#i need 50 bucks for my phone bill this month in a week so shares are super appreciated!!

[swingstep]

hey hey, hope you dont mind me once again rattling my commissions page at you all, but hey. economy's in shambles.

so, i've neatened up my comms info again! so if you've got a hankering for some art, hit me up on ko-fi! right now there's two options listed, but if you want something that isn't on that list, feel free to shoot me a dm here or there and i'll gladly talk it out with ya!

that's all folks, keep it fresh, and have a lovely day! o7

[ Ko-Fi Link ]

[youhaveaguineapigwhere]

Hi guys. So I'm a young bi trans kid experiencing some health issues & insurance complications & need some help paying for Optometry expenses! Please take a couple minutes to read & help out if you are able, or share so others can possibly help out!

Cash app: $OliveEmelio

(TW: breif mention of assault. U can skip past this part it's just the first paragraph)

[To keep stressful events as breif as I can. I was assaulted in my apartment this September (2021) a drunk man grabbed me while I was walking up the stairs to my apartment, it escalated into a fist fight which quickly turned into 3 guys against me & one man smashed an open beer can into my eye.]

I'm all healed besides a small scar and my eye is fine! But my glasses were damaged that night and I still have not been able to afford/schedule an Optometry appointment for a new perception or a new pair of glasses.

My glasses are very scratched up & currently held together by glue. My main issues & barriers with this have been;

1. I have chronic migraines which symptoms are worsened by damaged glasses and an outdated prescription. It's negatively affecting my health

2. It's been over two years since my last eye exam and I am in need of a new prescription (my eyesight is pretty bad. For reference I'm using a -5.5 prescription now)

And 3. My insurance has continously misinformed me about my coverage & where I can receive an eye exam.

I've been back and forth over the phone with insurance & Optometry offices. Although I technically 'qualify' for a free exam since it's been 2 years, I have confirmed (after being dismissed by my insurance office multiple times) that there are no Optometry offices in my county that will take my insurance.

Biking is my only mode of transportation so my options have been limited.

After a couple months of trying to find a viable option for an affordable eye exam, I was able to schedule an Optometry appointment at Costco Optometry department for this week (12.11.21) & arrange transportation, which was a big step for me!! It has been a very anxiety filled process & I've struggled a lot.

But the exam is out of pocket, on a sliding scale of $50-75.

And on top of that ordering new glasses online can be anywhere from $30-70+

I work minimum wage, pay all my own bills, bike to and from work everyday because I can't currently afford a car. my work shoes are literally falling apart at the soles. My only freind who was able to help drive me to the grocery store moved out of town & to be honest I have almost no food at home right now. I'm experiencing a lot of financial stress.

Anything will help, i mean that! even if it's just a few bucks 3, 5, 10. Anything I don't have to use on vision and just being able to see properly & reduce migraine pain will go a long way and I can put $ towards groceries & new work shoes. Please consider helping a queer out. 💙🐝

Cash app: $OliveEmelio

P.s. I've never done a fund me post before so if you've read through this thanks i love you. All power to the people

[inkonablock]

94Some more math, roughly speaking, at 7.25/hr for 40 hours a week thats around $870/month after taxes.

1/4 of 870 is $217.50

Ain’t no rent anywhere for $217.50, even if you have roommates. In my area, you can get a 2 bed 1 bath apt for around 1300 if you’re lucky. If you cram 4 people in there (probably no comfortable, but do-able), thats still $325/person.

If I make 870 and my rent is 325 that leaves 545 for everything else.

subtract, say, 100/month for food (this is not much food)

We’re down to 454/month

Lets say utilities come out to about 55/person (heat 70, electric, 80, phone/internet 70, shared by 4 people). This is a low estimate and assume gas heat and you’re in a place where renters don’t pay the water or sewer bill. If you’re low-end apartment has oil heat god help you.

down to 399.

You gotta get to work. So you either need a train/bus pass (150/month) or a car (100 payment + 100 insurance)

We’ll take the average and call that 175 for transportation.

Down to 224.

Ok, what else?

Oh, haha, you want HEALTHCARE. That’s cute.

Lets say you’re very lucky and you’re minimum wage employer offers a healthplan with a low premium, something like 80/month. Unlikely, but I’m being generous with these numbers. Lets say your insurance is 80/month, now you’re down to....

144.

Now lets say you have a chronic illness and your prescription co-pay is 50 bucks. You’ll die without this med.

94.

Uh-oh your car broke down and needs a 500 repair.

Guess what you just either got evicted for not paying rent or lost your job because you couldn’t get to work.

This is what living on the federal minimum wage looks like.

[wayneooverton]

The golden rule for a perfect travel budget and why you should break it

You wanna know why my hair’s so big? It’s full of budgeting percentage ratio secretssss.

As a money-obsessed human, I hear and say the word “budget” all the damn time. You know when you repeat too much, the meaning gets all distorted and then you get dizzy and you blackout? Right?

But here’s the question no one can answer very well: What the hell should my budget even look like?

As a Millennial overachiever who likes gold stars whenever possible (honesty is chic, y’all), I looove to be told what to do. But no one can actually tell you what your budget is “supposed” to look like. Like the fragile snowflakes we are, no two persons’ bank accounts or financial needs (or financial neuroses, don’t get me started) are the same.

How can we budget better to be able to travel more?

Oh, just basking in my unique, Millennial sameness (Fansipan, Vietnam; Photo Credit: @dongaduchieu)

However, hallelujah, because budgeting gods have conferred and they – meaning most of the Internet-having financial experts of the world – agree: There is a general outline that all good budgets can follow, at least at the beginning.

And you know what else? I tried it.

And that sh*t actually works. So let’s talk about it – and, for good measure, let’s ALSO talk about when it totally doesn’t work, too.

How to fly for free (for real!) using credit card points

I’m “boss b*tch hiking” on the outside; “omfg pls tell me what to do” on the inside (Arthur’s Pass, New Zealand)

The 50/20/30 Rule

Yes, that’s the incredibly sexy name given to this budgeting outline: The 50/20/30 rule. It’s incredibly straightforward.

When you are given a paycheck – or any sum of money greater than $1, really – you divide it up thusly:

50% of if should go towards your bills.

The “I need this to survive as a human” stuff: Rent or mortgage, bills, debt payments, subscriptions, groceries. Basically, if you don’t pay it, either you’ll literally die (mentally or physically) or someone in a suit will come after you? That goes here

20% of it should go towards your money goals.

Maybe you want to build an emergency savings, eliminate debt, or just save up for Bali like every other dang Millennial. If your goal is to eliminate debt, your minimum payments are covered by that 50% Bills category. This 20% is for paying more than your minimums each month. That’s right. It’s B-E AGGRESSIVE time.

30% of it should go towards your fun money.

This is the category you’ve been waiting for: The Whatever The Hell You Want category! Whatever’s not essential for your human survival – social stuff, hobby stuff, treating y’self – goes here.

This girl, and her leg, once spent all of her 30% on Pad Thai. True Story. (Franz Joseph, New Zealand)

That’s why I eff with this rule – that last 30% Whatever The Heck category. It supports my life mission that budgeting is not about limiting the fun you have with money; it’s about getting in control to allow as much fun as you want.

Now, this rule actually works out for tons of people. But let’s talk when this cookie cutter mess doesn’t fit you.

Not all of us fit in a box, right?

I call one big hot breath o’ buuullllshiieeeet. (Taitung, Taiwan)

When the 50/20/30 Rule is Crap

Here’s the truth: If you want to get truly aggressive about eliminating huge debt or building up a travel savings fast? Unless your paycheck is a zillion bucks a week, 20% from every paycheck is not going to cut it.

When I got super serious about eliminating my $50,000 debt to travel, I calculated it: If I only used 20% of each paycheck for this goal, it would take me almost 15 years to take down my debt and build a year’s worth of travel savings.

Skrrrrrrr? Nununonunono, honey, no.

Running away from my debt forever like… (Tongariro Crossing, New Zealand)

I messed around with the percentages, one paycheck at a time, and eventually, I reached a place where my rule was more like:

20% Bills

68% Money Goals

12% Fun Money

Yup. That’s what it took to get to my goals in the timeframe I wanted.

I moved in with family, and I eliminated lots of the things I thought I “needed” and became insanely frugal. But it worked. In less than two years, I was debt free and sittin’ on a real cute travel savings.

­

All that adult discipline… just to act like a child in a foreign country. Worth it. (Whatipu, New Zealand)

Not only can you mess around with the 50/20/30 rule to fit your life, but you should.

To build up your Money Goals percentage, you can ask yourself these questions:

Can I slim down my Fun percentage without ruining my social life? (Yes. You can.)

Is there anything in my Bills category I can truly survive without?

Is there anything in my Bills category I can reduce? Can I get on the phone with my Internet people can squeak out a better deal? Can I find folks to share subscriptions with?

WHAT UP, estranged cousin! About that Hulu login… (Hanoi, Vietnam)

How to stop sucking at budgeting so you can travel more – part 1 How to stop sucking at budgeting so you can travel more – part 2

Remember: A rule is basically just a random thing someone said once. (Don’t quote me on that, lawyers.) But when you customize that rule to your reality, you become much more likely to follow it, because it isn’t “someone’s” anymore – it’s yours.

Take ownership of your financial situation, friend. You are the rulemaker here. Always.

What budgeting tricks do you have up your sleeve? Share

The post The golden rule for a perfect travel budget and why you should break it appeared first on Young Adventuress.

from Young Adventuress https://ift.tt/2H9Cmyr

[kennethherrerablog]

This Actor Is Saving More Than $1,100/Year — Just by Switching Car Insurance

When you’re watching the big screen, or the little one for that matter, you probably don’t think about actors’ daily lives. Believe it or not, most of them deal with the same day-to-day hassles you do.

They have to find time to eat and sleep. They continuously search for work. And, just like the rest of us, they have to pay bills.

For Kevin Gerdes, a 32-year-old professional actor living in Los Angeles (whom you might have seen in the 2016 Oscar-nominated movie “Lion”), keeping his bills under control is a constant effort.

“I work in an industry where, when you’re not working, you’re not getting paid,” says Gerdes. “I don’t know when I’ll have another job.”

When his car insurance rates with State Farm climbed from $186 per month up to $220 in about one year, and then jumped again to $240, he knew it was time to find a better insurance company. Is finding cheap auto insurance with great coverage like looking for Harrison Ford’s chops on a B-list budget?

One Company’s Performance Saved Him Almost $100/Month

As an actor, Gerdes is used to putting himself out there and competing with other actors to get the part. What’s the key? Simply be the best fit for the part.

State Farm says on its website insurance costs are rising due to distracted drivers, more miles being driven and higher costs to repair vehicles. In other words, Gerdes was supposed to pay more because of factors beyond his control. As he watched his car insurance hike upward, through no fault of his own, late last summer, he decided to let the car insurance companies do the auditioning.

“I thought, ‘This is absurd,’” he says. “I went to all the sites.”

All he wanted was the same insurance coverage without the ridiculous cost.

“I came across Clearcover, and they gave me a quote for the exact same insurance for $146,” he says.

That’s a savings of $94 per month off his $240 rate. That stacks up to $1,128 back in Gerdes pocket over a year.

This Company Puts Expenses on the Cutting Room Floor

What Gerdes wanted was to pay for coverage he might need in case he had an actual claim. That’s what Clearcover provides. The company avoids wasteful spending on its end, so its customers can pay less for coverage. Simple, right?

“It was really easy,” he says. “You go to the website, and you can sign up right away. I was like, ‘Whoa, I just signed up for new insurance.’ It’s just done. No phone call.”

Clearcover lets you access your account through its mobile app, so Gerdes can file a claim digitally and get repaid faster if. Plus, it does a lot of cool things you won’t find at other auto insurance companies, such as:

The Quick View ID Card lets you keep your insurance ID right on your phone, even when you don’t have cell service — you know, for when you have a fender bender in the forest.

Alternate Transportation Coverage gives you $50 per day cash in-hand so you can decide how to get around when your car is being repaired. If you want to save a few bucks by riding the bus, that’s your call.

Digital Claims let you can file a claim right in the Clearcover app — 24 hours a day, seven days a week.

Even though he hasn’t needed to file a claim, Gerdes liked the idea of alternate transportation coverage. If he

“I like to know that if my car is getting worked on because of an accident…” he says. “I can just use Uber and not put gas in someone else’s car.”

A Lower Bill Helps Him Keep Living His Dream

“I think the one thing with insurance is that it’s not something you really feel until you need it,” Gerdes says. “Until then, it feels like you’re throwing money away.”

He needs to keep an eye on his bills, because paydays are not always consistent. Getting his car insurance under control helps him keep his car on the road so he can make it to work and auditions.

“That savings makes a huge difference in paying my other bills,” he says. “It’s a sense of security for me.”

If you’re looking for car insurance that won’t steal the spotlight or bogart your cash, see how Clearcover can help you save 20% to 40% on your premiums simply by not paying for the stuff you don’t need.

Tyler Omoth is a senior writer at The Penny Hoarder who loves soaking up the sun and finding creative ways to help others. Catch him on Twitter at @Tyomoth.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.

The Penny Hoarder Promise: We provide accurate, reliable information. Here’s why you can trust us and how we make money.

This Actor Is Saving More Than $1,100/Year — Just by Switching Car Insurance published first on https://justinbetreviews.tumblr.com/

[ourmrmel]

Mel Feller Best Apps That Help You Earn Money

Mel Feller Best Apps That Help You Earn Money

 We all have smartphones, and almost everything we do with them necessitates using an app.  Would it not it be great if you could make some extra money just for using your phone?  Well, you can.  You are not going to get rich by downloading mobile apps that pay you, but you can use these to earn a passive income every month.  Moreover, you have to agree that something is better than nothing is!

 Considering some of these apps require you to do almost nothing, just watch videos or participate in paid surveys, it does not seem like a bad deal to make a few extra dollars.  In addition, they are free from the app store for iPhone or android.  Therefore, to get you started, here are some of our favorite moneymaking apps:

 Earn Money While You Watch TV

Certainly, surveys are not my favorite way to make money, but if you are just relaxing on the couch or guarding your eyes while being forced to watch “I love Lucy reruns”, why not click a couple buttons and earn a few bucks?

 There is a bunch of paid survey sites out there, but two of the best I have found are Swagbucks and MyPoints. Companies rated A by the Better Business Bureau run both of these sites. On MyPoints, you’ll earn a $5 bonus when you complete your first five surveys.

 Get Free Virtual Scratch-off Tickets

 There is something that is satisfying about those gas station scratch-off tickets, but it is better to avoid them because, well, that is not making money, that may be losing money.

Instead, try scratching free using an app called Lucktastic. Each day, it releases a new assortment of digital scratch-off tickets. Lucktastic says instant wins range from $1 to $10,000. You can also earn tokens, enter contests and play games. The app is underwritten by advertising, which allows it to keep the payouts high and the games free.

 Earn Cash Every Time You Shop and a $10 Bonus

 I know it sounds strange, but Ibotta will pay you cash for taking pictures of your grocery store receipts.

 Here is how it works:

Before heading to the store, search for items on your shopping list within the Ibotta app. When you get home, snap a photo of your receipt and scan the items’ barcodes. Ibotta is free to download. Moreover, you will get a $10 sign-up bonus after uploading your first receipt.

 Some cash-back opportunities I have seen include:

25 cents back for any item.

25 cents back on strawberries.

50 cents back on frozen fruit snacks.

$1 back on a box of tea.

$5 back on a case of Shiner Bock beer.

Notice a lot of those are not tied to a brand just shop for the staples on your list and earn cash back!

 Let This App Get You Lower Prices

 It turns out deleting your emails could be costing you serious money. Do you want to know more? One of my secret weapons is called Paribus, a tool that gets you money back for your online purchases. It is free to sign up, and once you do, it will scan your email archives for any receipts. If it discovers you have purchased something from one of its monitored retailers, it will track the item’s price and help you get a refund anytime there is a price drop.

 Build Your Savings Without Trying

 Saving money is tough. So what if you could do it in a way where you would not even notice?  Digit makes that possible.

 This innovative app automates saving for you. Simply link it to your checking account, and its algorithms will determine small (and safe!) amounts of money to withdraw into a separate, FDIC-insured savings account.

Please Note:  If you need that money sooner than expected, you will always have access to it within one business day.  Digit is free to use for the first 30 days, then it’s $2.99 per month afterward.

 Invest Your Pocket Change -- and Get $5

 You can start small and stack up change over time with its “round-up” feature. That means if you spend $10.23 at the grocery store, 77 cents is automatically dropped into your Acorns account.  Then, the app does the complete investing thing for you.

 The idea is you will not miss the digital pocket change, and the automatic savings stack up faster than you would think.   At that rate, you could set aside $1,000 in about two and a half years without trying.

 The app is $1 a month for balances under $5,000, and you will get a $5 bonus when you sign up.

 Download This App

 A number of companies will actually pay you for downloading apps on your smartphone or computer this is a great way to boost your passive income!

 One I love is called MobileXpression. After you have installed this app on your smartphone for one week, you get to play an instant rewards game for a prize everyone wins something. I have seen users win a $25 Amazon gift card, but some of the other prizes include iPads and Samsung TVs.

 The app collects data and helps companies better understand web and mobile usage such as what times of day people browse, how long they stay on websites and use apps, and what types of sites and apps are popular or which ones are not.

 Play the Slots

 Are you more of the “sit at home and play video games” type of person but you’re making yourself read this because you’re determined to get this rather fun game thing down?  The folks who created Long Game have you covered with a game that is fun and helps you achieve your financial goals.  

 As you save and accomplish missions, you will earn coins to play mini games for cash prizes! I am talking the classics, like slot machines, scratch-offs and spin-to-win wheels.

 Get Paid for the Things You Were Going to Buy Already

 Let us say that you have a need and now you have got a shopping trip planned already. If you have the Shopkick app downloaded, it will pay you in “kicks” just for walking into certain stores including Walmart, Target, TJMaxx and more. You can redeem them for gift cards to a number of retailers, including Amazon, Target, Walmart, Starbucks, Sephora and Best Buy.

 It pays you even more “kicks” for photos of receipts that include qualifying items you purchased in-store with a connected credit or debit card. You can also earn kicks for online purchases. You do not have to do anything; your linked cards will automatically apply your kicks.

 Get Rewarded for Paying Your Bills on Time

 Your parents probably gave you an allowance for washing the dishes and sweeping the floor when you were a kid. Now all you get for doing it is a kitchen that is clean for, like, 4 minutes.  As an adult, you do not typically get rewards for doing things that are expected of you until now.

 This invention rather rules them all: MoneyLion, a free all-in-one app for managing your personal finances.  MoneyLion offers rewards to help you develop healthy financial habits and will literally pay you for logging onto the app.

 You can earn points in the rewards program by paying bills on time, connecting your bank account or downloading the mobile app.  You can redeem those points for gift cards to retailers like Amazon, Apple and Walmart. If credit cards are not your thing, MoneyLion is like having a rewards credit card without the temptation to overspend.

 The app also connects with your entire bank, credit card, student loan and other financial accounts. Based on your income and spending patterns, it offers personalized advice to help you save money, reduce your debt and improve your credit.

 Find out Where You are Wasting Money

 We all sign up for stuff. Sometimes it is easier to put subscriptions on a recurring payment and forget about it but that just leaves us in depression once we are not using things and we have kept making payments for an extended period.

 If you cannot keep track of them all, check out an app called Trim. Once you sign up and connect your bank account and phone number, it analyzes your transaction history for recurring payments.  When it finds one, the app sends you a text and cancels any subscriptions you do not want to keep. That is money back in your pocket every month!

 Grow Your Money

 Where you stash your money is almost as important as how much you have. Maybe in a box? It is not earning you any interest in there. In a checking account? Probably not doing much for you there, either. Even if you keep it in a high-interest savings account, you are probably only earning around 0.05% on your balance.

 It is frustrating, for sure so you have to think outside your bank.

 Worthy is a free app that invests your money in bonds and pays out a fixed 5% annual interest rate — around 100 times more than what you’d get from the bank. The bonds act like a savings account — you can deposit or withdraw money at any time.  Say you have $300 in your Worthy account. You just passively banked $15 this year.  You can start investing with as little as $10. Moreover, that is still an extra 50 cents this year.

 Share Your Amazon Purchase History

 This is such an easy, passive way to rake in an extra $36 a year. ShopTracker, one of the leading public opinion research companies, wants you to share your Amazon purchase history. Moreover, you will be paid for every month you share!

 When you sign up for ShopTracker, it keeps your private information, well, private. All it wants to see is your order information.  To earn your first gift card today:

 Sign up, and download the ShopTracker app on your Windows computer and Apple or Android phone. It takes about two minutes. You will need to answer a few questions about your Amazon use to qualify.

Open the app and log in to your Amazon account to automatically share your purchase history. You will receive your Visa e-gift card code for $3 via email within 48 hours.

Take a couple of minutes to share your purchase history to earn another $3 each month.

 I hope you take the time to utilize some of these great apps and have fun making some extra cash!

 Mel Feller – Personal Development, Business, Execute, Internet and Real Estate Investments Coach/Mentor and Business Owner

 Mel Feller was a senior staffer for over 5 years with both United States Senator Jake Garn and The Senate Banking and Finance Committee.

 Mel Feller is a speaker at entrepreneurial forums training business professionals on marketing strategies and the “Secrets of Online Marketing”. He provides consulting services on all aspects of business including organizational performance, sales and marketing strategies, employee productivity and retention, successful solution implementation, technology leverage and customer service in all business and fields.

 Mel Feller's areas of technology expertise include emails and social media, solution development discipline and methodology, business process leads and project management.

 Mel Feller has twenty-five years’ experience with companies, nonprofits and individuals in the research and writing of both government and private grants.

 In addition to his regular consulting and management responsibilities, Mel Feller was published in the Top 100 Mentors; he has published two book on "Creative Real Estate Financing" and “Multiple Secrets to Success”, and presented numerous executive lectures for Fortune 500 corporations on “leadership and business practices”.

Visit him at www.melfeller.com and www.melfellersuccessstories.com

 Mel Feller’s dynamic presence, instinctive strategic vision, and creative thinking produce effective, sustainable bottom-line results for his clients. His “Can Do” attitude generates confidence in his executive coaching clients and strategic consulting corporate clients. Throughout Mel Feller’s career, he has increased the profitability of nearly every organization with which he has worked.

 Mel Feller has a unique ability to relate to his clients because he came from The United States Senate, where Mel was the Chief of Staff for a United States Senator and was always meeting with prominent business people or politicians.  His main love was dealing with constituents that were the grass root voters!  Since founding Coaching For Success 360 In 1989, he has effectively translated that experience into results for his clients. He focuses on separating daily distractions from the real issues in order to put the executive and/or business on the right path to grow and prosper. Results are immediate, growth sustainable, and profitability long-term.

 Dozens of Mel Feller’s clients have been on Inc.’s 500/5000 list and many have been named as a “Best Places To Work.

Using Mel Feller’s intuitive, systematic approach, and our proven strategic and tactical tools, we help you plan for profit.

 Mel Feller believes that what gets measured is improved. Therefore, he is continually developing processes and systems that allow you to easily measure, manage and maintain a highly profitable business.

 Mel Feller is  ready to help you increase your sales, trim and manage your operating costs and see your profits soar and/or leverage your time for Business or Real Estate!

  “Truth telling, honesty, and candor: I loved you Mel Feller! You have so much energy and knowledge! I truly hope I get another opportunity to be coached by you. I see myself a little clearer now, and it’s not so bad.”

Lisa Mathews

 “Mel Feller you added more value than we can possibly see right now. Mel Feller, you are warm, inviting, and accommodating. Thank you for coming alongside us in this transition!”

Vanessa Cavanaugh

“Mel Feller the best education session that we have attended in many years! Thank you so much — I am very excited to put everything you have taught us into practice!”

Michael Randolph

 “Mr. Mel Feller, Thank you, thank you, thank you for giving a marvelous keynote at our Symposium! While we have not yet collected the official feedback, the unofficial feedback was that You Were a Hit! I heard nothing but compliments regarding your presentations. Thank you for making such a positive impact on our attendees! ”

Lyle Cunningham VP

 "Mel Feller uses his humor, compassion, and direct nature to help bring out the best in me. Mel Feller is committed to helping me live...I mean, really live, life to its fullest."

Jose Rodriguez

 Mel Feller Links

 https://www.instagram.com/mel.feller  

 https://ourmrmel.tumblr.com/  

 https://www.pinterest.com/cfs360/  

 https://twitter.com/melfeller/following  

 https://wordpress.com/page/melfellerinternetbusinessinnovations.wordpress.com  

 https://dribbble.com/melfeller  

 https://biggerpockets.com/forums/79/topics/49008-larry-goins-bootcamp  

 https://txbusinessdb.com/p/mel-feller  

 https://xindex.com/c/12031660488/mel-feller-financial-services-group-inc  

 https://buzzfile.com/business/Coaching-For-Success-940-569-9260  

 https://melfellerrealestateinnovations.wordpress.com

 https://myspace.com/mfcfs360  

 https://goodreads.com/user/show/86266194-mel-feller  

 https://mfcfs.contently.com  

 https://alignable.com/wichita-falls-tx/coaching-for-success-360  

 https://quora.com/profile/Mel-Feller  

 https://about.me/melfeller  

 https://independent.academia.edu/MelFeller  

 https://medium.com/@mfcfs360  

 https://melfellerentrepreneurialideas.wordpress.com  

 https://about.me/melfeller  

 https://thecoachingoffice.com  

 https://quora.com/profile/Mel-Feller  

 https://linkedin.com/pulse/reflections-journaling-mel-feller-mel-feller  

 https://creonline.com/finally-my-first-deal  

 https://etrainingguide.com  

 https://reitips.com/open-letter  

 https://thecoachingoffice.com/testimonials.html  

 https://fortunebuilders.com/student-success-old/testimonials/page/9  

 https://agrandpaslove.blogspot.com  

 https://plus.google.com/u/0  

 https://youtube.com/channel/UCk_zDXJgadnWwmab0PhaIkQ/videos  

 https://linkedin.com/in/mel-feller  

 https://challengesinlife.com  

 https://melfellersuccessstories.com  

 https://melfeller.com  

[revpauljbern]

It’s Winter In October For Older American Workers

Winter Arrives Early for American Workers,

Especially Older Ones Like Myself

Pastor Paul J. Bern

For a website view, click here :-)

“....for the worker is worth his/her wages.” (Luke 10: 7)

“Do not muzzle an ox when it is treading out the grain.” (Deut. 25: 4)

“Look! The wages you failed to pay the workmen who mowed your fields are crying out against you. The cries of the harvesters have reached the ears of the Lord Almighty.” (James 5: 4)

The US Department of Labor's announcement on Friday of this week about US unemployment numbers for September were simply stunning, primarily for their untruthfulness. Really now, 3.7%, this is what those inside the Beltway expect us all to believe? Granted, jobs are plentiful, there are no two ways about it. But this figure is only for those working full time 40 hour per week jobs. What is being swept under the rug is the huge drop in wages that has been gradually ongoing for decades. Moreover, those who are working multiple part-time jobs are not being counted at all. Neither are those such as myself, who have simply given up looking for work permanently. America's unemployment rate may well be at 3.7%, but the quality and pay rate for those jobs are abysmal.

In point of fact, due to the minimum wage here in Georgia where I live being a paltry $7.25 per hour, many people who work still rely on public assistance, mostly for groceries and utilities. The minimum wage in over half the country is still stuck at this level. In a country that bills itself as the world's richest, a minimum wage of only $7.25 hourly is a crime against humanity! There are even those who work who are homeless and living in shelters or with relatives – even sharing living quarters with strangers. Such is the state of affairs for the average American worker here in the early 21st century. We have all been sucked into a whirlpool of debt slavery!

I was among the least fortunate. After being forced out of IT after the dot-com crash in 2001 I changed careers, putting myself and my small pickup truck to work as a contract delivery driver for a local courier company. I did just fine for over 3 ½ years, and I stayed busy the majority of the time. But then I suffered a stroke in March 2006, 4 months after my 50th birthday. Although I did recover from my stroke after a week or two, I had a hard time handling the heavy boxes of printed matter and other small freight jobs that were my bread and butter. Then my van abruptly broke down. It needed an $800.00 fuel pump, and I only had half that much, so my days as a courier were over. After a 4-month period of homelessness during the summer of 2006, I managed to re-enter the technology field I was trained in that I had left 4 years previously.

I had the good fortune of landing a job as a phone rep working at IBM's main call center in Sandy Springs, Georgia, an Atlanta suburb. The following year, the agency I was working for laid off all the oldest people, and I was one of the first to go. Over the next 6 years, I bounced around from one IT staffing position to another. All the jobs were temporary, even though I wanted permanent work. While this was happening, the frequency of those temporary assignments gradually decreased. By the fall of 2008, I could only find short-term assignments, and that's when I ran out of money and unemployment benefits. For the second time in three years, I found myself homeless and unable to sustain myself, and this time I was without a car. One day I wandered into a homeless shelter asking for help, and the next thing I knew I was on my way to a hospital. It turns out I had double pneumonia, plus blood clots in my legs, and I had no idea I was in that bad of shape. I was also suicidal after being homeless and on the street for the previous three weeks. I was a real mess.

I'm now in my tenth year of recovery from the gradual but complete collapse of my physical and mental health from 2006-2008. Personally, I credit my faith in Christ's healing power for pulling me through. I was diagnosed with bipolar disorder, chronic depression, and PTSD, not counting my cardiac issues. I've since learned that recovery from mental health issues are similar to addiction recovery – I take it one day at a time. But, as we all know, the first step to any recovery from a health crisis, whether it be physical, mental or spiritual, is to be honest enough with ourselves to admit to the existence of the problem. Only then can one recognize that it is advantageous to find ways of dealing with one's illness – not only for oneself, but for all we know or come into contact with.

My original plan once I was released from the hospital was to get well enough to return to the workforce, but after being out of the job market for nearly 2 years, all attempts at obtaining employment in my field – either as a contractor or an employee – proved fruitless. So I looked into retraining for a new career as a long haul truck driver, only to be told that I didn't qualify for financial aid because I had a poor credit rating due to my unpaid medical bills (I had no insurance when my stroke occurred). While all this was happening, the bottom fell out as far as wages were concerned within the IT industry. Technicians and support personnel like myself who used to make $20-35 dollars an hour are now being paid $10-$12 dollars per hour for essentially the same work, and that's assuming they're lucky enough to have a job. Financially speaking, it is a profoundly sad state of affairs.

But that is only half the story for myself and for the multitudes of others who suffer various ailments that are brought on by being under extreme stress. The rest of the story for nearly all who are managing a physical or mental illness diagnosis, and especially those who are suffering while not yet diagnosed, can be summed up in two words: Economic devastation. During my recovery I discovered that reentering the job market was nearly impossible for a man in his fifties like myself. After an additional 1.5 years of searching fruitlessly in my field (I was a computer/IT pro with a total of 21 years experience), I was forced to settle for being put on disability instead. I hate depending on the federal government because I do not trust the government! Any country that spends more on wars overseas than it does looking after its citizens at home is a government gone mad. I wanted to return to work but I was prevented from doing so, partially because I can't afford to own a car anymore. That, and because companies won't hire older workers because we won't work for 8 bucks an hour (we know economic slavery when we see it). In effect, the system has kicked me to the curb unjustly, and my case is only one of tens of millions.

But, if America had a system in place for retraining American workers who can't afford a student loan, I and the millions of others like me would have a way to train for new vocations and professions without having to pass a credit check. If I could have had a way to do this, I could have gone back to work as a long haul trucker and became a taxpayer again. Instead, I subsist on my tiny little disability check, living off the taxpayers when I would rather be contributing. Tough luck for me, I guess. But even though I'm in my sixties, it shouldn't have to be this way for formerly hard-working American taxpayers like myself who can still be productive. So now you know why I continue to work from home without pay, blogging and writing nonfiction books about my passion for social justice and equality, as well as for my faith.

So, I am forced to conclude that the American system is rigged. I can't go back to work even though I'm still healthy enough to do so and would like to. I can't go back to school due to an artificially constructed financial barrier known as student loans. Although I'm certain that I could be successful in learning a new trade even at my age, that does not matter because I can't pay the price of admission. The for-profit health care system that we are currently stuck with is the same way. Health care and higher education in the early 21st century US are easily available for those who can afford it while both have been intentionally put of out reach for those who cannot. And that, people, is a recipe for revolution any day of the year.

[decadenttimetravelmentality-blog]

Hyrum Utah Cheap car insurance quotes zip 84319

"Hyrum Utah Cheap car insurance quotes zip 84319

Hyrum Utah Cheap car insurance quotes zip 84319

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

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Hyrum Utah Cheap car insurance quotes zip 84319

Hyrum Utah Cheap car insurance quotes zip 84319

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Hyrum Utah Cheap car insurance quotes zip 84319

Hyrum Utah Cheap car insurance quotes zip 84319

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Nearly 18 and I need to drive, what is the cheapest car and insurance for someone my age?""

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My uncle bought a school bus and I'm wondering how much insurance is gonna cost him.?

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Do you have health insurance?

Hyrum Utah Cheap car insurance quotes zip 84319

Hyrum Utah Cheap car insurance quotes zip 84319

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Car Insurance how many cars?!?

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What is the benefit of buying life insurance if you are young and not married and have no kids?

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""Car Insurance..if i go out of state, but my parents pay for the car insurance and i live in another state...?""

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What should I do regarding my auto insurance situation?

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What is the cheapest auto insurance for undr 25's in Texas?

Please provide me with the web address if possible.

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What's the song from that farmers insurance commercial were there doing the driving simulation with distractions?

Why is guico car insurance cheaper than allstate?

Why is guico car insurance cheaper than allstate?

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""If u wrote-off a $5000 car, on average how much would ur insurance company give you back?""

If u wrote-off a $5000 car, on average how much would ur insurance company give you back?""

Is this true about car insurance?

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""2011 Subaru Impreza WRX STI, [price help]?""

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What all does someone under 18 need to get car insurance?

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How Much Would A 17 Year Old With A G2 Pay For Insurance For A 1995 Geo Metro Hatchback in Toronto?

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Hyrum Utah Cheap car insurance quotes zip 84319

Hyrum Utah Cheap car insurance quotes zip 84319

https://www.linkedin.com/pulse/northern-kentucky-insurance-companies-daniel-grant/"

[gocasualrunawaycollection-blog]

Do health insurance companies report paid claims ?

"Do health insurance companies report paid claims ?

I had a year of therapy and was on anti depressant for about 3 years (ended 2004). Does the insurance company report to a database or something saying they paid out for services I received? Do insurance claims like this come up on a HIPAA mental health check? Please only answer with facts, not opinions.

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

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trying to find a insurance broker that does good deals for 16 year old drivers. trying to insure a 2003 DERBI GP 50. cheapest deal iv found so far is 370 pounds. anyone know a good insurance company that can do cheaper. thanks in advance

Does anyone know of any kind of affordable health insurance?

My husband works independantly and needs health insurance in the Atlanta area.

Car insurance and the state you live in and registration?

I just moved from Richmond VA to Greensboro NC. My car insurance is in Richmond VA and and my car is registered up there. I'm only going to stay in North Carolina for about 8 months. I want to know if I can switch my car insurance to North Carolina with out having to register my car and switching my license plates over to North Carolina. Car insurance is a hell of alot high up in Richmond than here and I want to save some much needed money. Anyone know if I can make the insurance switch with out having to register my car and switching my tags over to North Carolina? Please respond with only legit answers.

How can I take the insurance of my car off my parents name?

Okay sooo, my dad has never been a good father figure until i turned 16. I'm now 17 and have a car that i bought and i have the title and loan in my name. He is the co-signer. He also pays the insurance. I have a boyfriend and he doesn't like it when i have a boyfriend. He thinks i'm too young for one. My mom and him are divorced and i live with my mom. She doesn't care that i have a boyfriend and lets me go over to his house and go on dates, etc. He doesn't approve. So he threatened to take my car away if i don't be home when he says. My home is my moms house. I have more of a right to listen to her than i do my dad. She thinks so too. He says since he pays the insurance he should be able to take my car away if he wants to. I offered to pay my own but he won't let me because then he won't have anything to hold over my head. How can i get my own insurance and take it off his name without him knowing until its done?""

Should i buy car insurance through a family member ?

My grandpa is a insurance agent and I'm.wondering if i should.purchase car insurance through him

How do i get an online auto insurance quote in British Columbia??

Fvcking stupid place! How do i get insurance online in this god damn provence!!!

Insurance rates for 19 year old?

what would the insurace rates be for a 19 year old driving one of these cars. all cars would be sedan (4-door) models. 03-04 honda civic 97-01 subaru impreza RS 96-98 BMW 318 94+ acura integra 98-01 honda accord 00-03 nissan sentra

What are some good cheap car auto insurance in the washington dc area for a 23 yr old female?

What are some good cheap car auto insurance in the washington dc area for a 23 yr old female?

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

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

What is the cheapest car to insure?

My Boyfriend has just passed his theory test today and has his practical test in a few weeks. He's 19 years old and we live in England. He wants a cheap car to insure but all are really expensive the cheapest insurance he can get is on a Romeo Mini for 2,500 a year. So i was wondering if anyone could tell me which is the cheapest car to insure and who with? Thank you for your help, Secret""

How much is my car worth?

I just totaled my 2003 nissan sentra gxe. I have full coverage insurance and was wondering how much I should expect the insurance company to give me for the car? I looked on kelley blue book website but I am not sure if it should be considered private party value or trade-in value. It was in excellent condition prior to the crash.

How much would insurance be a month for a 1988 ford mustang gt for a 16 year old driver in ny?

hi i want a 1988 ford mustang gt 5.0 and i am 16 years old. i was wondering how much the insurance would cost a month. im in new york and plz no answers like alot or anything like that just an estimate. pl answer and thankyou

Do health insurance companies report paid claims ?

I had a year of therapy and was on anti depressant for about 3 years (ended 2004). Does the insurance company report to a database or something saying they paid out for services I received? Do insurance claims like this come up on a HIPAA mental health check? Please only answer with facts, not opinions.

How much would it cost to add me as an occasional driver?

If I get a new car and its under my mom's name but I'm listed as an occasional driver wouldnt that be way less expensive than having my own insurance which would cost about $1500? I'd only be driving the car to and from school and occasionally out to the movies or something. So would that work?

How much is insurance per year on a E46 BMW M3?

I'm looking into buying a 2002-2004 M3. I'm 18 yo male with a clean driving record.

Do you need insurance for a day when you buy a car?

I m planing to buy a car and i want to know if i need insurance just to bring the car home, a one day insurance or something like that??""

How much will liability insurance pay out if my car is stolen. ?

How much will liability insurance pay out if my car is stolen. ?

Will the car insurance pay for my car to be fixed?

i was rear ended. its the other persons fault. the kid that hit me was driving their parents car. the parents had insurance on the car but the kid wasnt listed as a driver. just the mom and dad were. i was told since the car is insured then the insurace will pay for it no matter who was driving. is this true?

How much will be my car insurance for new or used car?

I am planing to buy a car.I am thinking to get a new one but i am afraid of high price for its insurance.I am a new driver,till 25 years old,no driving experience,NJ.I need a professional advice,please. Maybe to buy a used one is a good idea but the new car is less headache.:)""

Car & Health Insurance?

How pathetic of a country are we, that car insurance is mandatory, even criminal if we don't have it, yet health insurance is not? What does this say about us as a society?""

Insurance on Giving Birth?

Me and my husband don't have any insurance and we want to have a baby, what is the average monthly payment for insurance that will cover everything from the ultra violet sound to the monthly check-ups to the auctual giving birth in the hospital.""

What is the lowst 18 year old male car insurance?

What is the lowest car insurance for an 18 year old male in Alabama? I need info for sports cars and non sports cars.

Is there anyone who thinks that car insurance is a ripoff?

We pay so much in car insurance and have yet to have a wreck or anything. Not to mention the ridiculous amount for car tags. (Thank God)I say it is a rip off because my grandmother had insurance with a certain company for years. She always paid on time, sometimes for months at a time. She was in an accident that was not even her fault and the insurance company totaled her car and booted her from the insurance. She is not able to drive now, but I still think that sucks.""

USAA Insurance Questions?

I'm thinking about switching my auto insurance from GEICO to USAA, but had a few questions. And since it's the weekend, they're not open when I called. I purchased a used vehicle about 4 months, so my insurance went up, and have heard great things about USAA, so here goes,,,, Question #1 - From all of the research I've done on auto insurance, USAA is approximately $125.00 dollars cheaper for a 6 month premium than GEICO. This sounds too good to be true, but I did the free quote steps over and over again on the site, if you have have USAA auto insurance, does this sound right? Question #2 - I submitted a quote for property insurance as well, and that quote was $10.00 a month, does this sound about right? I did this quote with website assistance on how much my property is worth. Question #3 - My 6 month auto insurance premiums gets paid in 4 monthly installments in a 6 month window, does USAA do this as well, or do they do it by monthly deduction? Thanks to all in advance""

Where can I get affordable child only insurance in Virginia?

We had Virginia FAMIS but they took it away after my husband got a new job. Though he does make more money now there is no way I can pay 200$ a month for my son to be added to the company health insurance! I work, but they take out 340$ a month for child care out of my check! Why doesn't FAMIS consider things like this? Anyway it seems everywhere I check for child only insurance it doesn't seem to exist. They want you to have a parent on the policy as well, and I really don't have money for that!""

I'm 17 years old- how much will it cost me to get my own car insurance?

i have a 1992 chrysler lebaron im 17 years old what the cheapest i can get car insurance

Help! Car insurance suspension and keep no claims!?

Hey, need some urgent advise please! I'm intending on selling my car and am currently 6 months into my car insurance - the menace in this is I intend to purchase another car though my insurance aren't able to insure it though others are! Is there any possible way I can maintain my current insurance to btain the NCB and just become insured by a alternate insurer for my new purchased car? My method was suspending my current insurance and then cancelling at renewal (therefor obtaining no claims?) Need a real helping hand please!""

Geico homeowners insurance experience?

I have been getting quotes for a new home I am in the process of purchasing. I checked Geico homeowners insurance whiich works through ASI insurance. They quoted me a very low rate. 50% then the lowest of the other companies for the same coverage. Is there something I am missing here? Does anyone have any experience with this insurance?

Cheap auto insurance in miami?

Does anyone know of a cheap auto insurance company in miami? i am 20 years old and i have gotten quotes from Esurance, geico, and progressive. the cheapest was Geico and it was $278 a month for the Basic coverage. I own my car and it is a 2003 Hyundai Tiburon""

Who sells auto insurance for $300 per 6 months for CO?

Senior, perfect driving record, recent driving course, excellent credit rating, lives in 80104 Colorado. Retired and drive approximately 10 miles per week.""

Cheapest car insurance????

looking for a cheap car insurance guys, plz help""

Car insurance quote sites not recognising vehicle reg?

Hi my partner is thinking of buying a car and we're looking at gocompare.com and confused.com but we are not getting anywhere as neither website recongise either the vehicle registration number or the make and model of the car! we know it is genuine as we have done a vehicle check on it. any ideas why we can't get quotes? it's a nissan pickup from 1999. many thanks

Is it true that in PA if you don't own a car you don't need car insurance but could still drive someone's car?

I have my own car now and insurance, but I want to get rid of it and just drive my bf's extra car around. Is that legal because he has insurance on his cars? This is in Pennsylvania. Thanks.""

Can anyone give me a quote for car insurance on a 2006 Trailblazer??

I'm 22, female, a college student, I've never had any tickets (knock on wood) I wanted to lease the car but I wanted to know what people thought my insurance would be.""

Insurance companies that will insure a Cat C motorcycle?

I got an online quote for my insurance broker, they took the reg and all was fine until i phoned up and they said they dont insure total loss vehicles.. so now im looking to find a place that will. Otherwise i will be looking for a frame n logbook from another bike lol""

Possible to have such cheap car insurance at 20 years old?

Hello all, i'm looking for car insurance on gocompare.com site and if i'm taking the insurance on my own name, the price comes up at 1,200 for a 1995 Ford Fiesta LX 1.2. I am 20 years old, male and held the licence for 1 year (1 year and 6 months to be exact) and have 0 NCB. Now, here is where the 'cheap' part comes in. The 1,200 was ON me as a prosper and owner of the car. If i put my step dad as first driver (main) and me as an additional driver (second) it comes up as 1,500 for insurance. How is that possible? He has 6 years no claims and held the licence for over 20 years. Never made a claim or had accident. Now if i put my self as FIRST driver and him as SECOND driver, meaning that everything goes on me and i would be getting no claims bonus every year, i get the price at :- 750! Now basically my question is - Is that possible? The companies that are at 750 are Diamond, Elephant, and Admiral. Then the prices goes up to 1,500+""

Best Insurance policy for children?

Pls help me in selecting the best insurance policy for children. Should I go with LIC or private insurances like HDFC Life, Aviva, Max Newyork ?? Is unit linked policy reliable ?""

1 Day Car Insurance?

Does anyone know of companies that offer one day car insurance for 20yr old they all seem to be 25 and over why is that.....

Do health insurance companies report paid claims ?

I had a year of therapy and was on anti depressant for about 3 years (ended 2004). Does the insurance company report to a database or something saying they paid out for services I received? Do insurance claims like this come up on a HIPAA mental health check? Please only answer with facts, not opinions.

https://www.linkedin.com/pulse/what-cheep-insurance-18-year-old-guy-harry-franklin/"

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"health insurance quotes colorado

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

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Please, if you're not 100% sure don't answer,, it's confusing. Anyways, i recently financed a vehicle, 06 Taurus, and the insurance is killing, nearly higher than the car note! ($314 a month). & now that I'm pregnant i need to save $. My boyfriend doesn't have a car or license, but is there any way he could get insurance under his name & then add my car? Or any other work a rounds? Btw, I'm willing to fix his license if that's an issue. I'm 23, He's 29. I live in what's considered to be more dangerous city than he does. Also, he has less moving violations than me. So a policy for him maybe be anywhere from 40-60% cheaper than mines.""

How much does points on your license affect my insurance?

I would like to let you people know that I'm a full-time student, and that this month has to be officially the worst month of my life. Throughout this month I've been pulled over twice, and the reason for them are pretty stupid if you ask me. I basically see it as being at the wrong place at the wrong time. The first time I got pulled over was while I was getting off a red light with a car in front of me. I got hit with 3 tickets. - Tailgating, (supposedly I was too close to the other car when i was getting off the red light) - Careless driving, (don't know how this plays a roll in why I got pull over) - Loud muffler, ( just got it back from the mechanic that day and had a leak on the exhaust) The second time I got pulled over I stopped on a red light and checked if I can make a right on red, there was no sign stating I can't, so I went ahead and turned red when possible. I was given two tickets. smh -____- FML - Failure to observe traffic control device ( don't know how if I clearly noticed it was red) - Careless Driving _______________________________ Aside from the facts that they are points on my license, I'm going to do my best in trying to take some courses that can remove the points they gave my license. All in all, how much will this affect my insurance. Again FML, I'm a full-time student who commutes and has no job.""

Motorcycle insurance in Ontario?

Hi I will be turning 17 in a few months and plan on getting a sports bike such as the ninja 250r or the gs500f. I am just curious if someone could leave me a rough estimate on how much insurance would cost me if I were to insure one of those 2 bikes in the province of Ontario. Thank you in advance.

What are the cheapest car insurance companies in NJ for a new driver above 21 years old?

What are the cheapest car insurance companies in NJ for a new driver above 21 years old?

health insurance quotes colorado

health insurance quotes colorado

What is the cheapest but most reliable car insurance?

What is the cheapest but most reliable car insurance?

How much do you pay for car insurance?

how old are you? what company you with? what car you drive? are you the only driver under this insurance?

How much time is given for car insurance company to settle a claim?

my car was hit in parking lot and insurance is dragging its feet to investigate. how much time is officially allowed for this investigation and what are my rights bacause it has been 30 days today. i have a full insurance on this car and insurance company is investigating as a fraud claim!. insurance from metlife!

What is the difference between a law to make you get car insurance and a law to make you get health insurance?

What is the difference between a law to make you get car insurance and a law to make you get health insurance?

What is the best cheap car insurance qoutes in the uk!!?

pleas help!!

Do you have to have full coverage insurance on a new car?

We are going to try to get our first new car ever,and not really sure of the whole insurance process..We do keep liability insurance on our 2 cars we have now,but that alone about kills us,we pay $105 a month for 2 vehicles and 2 22 year old drivers..Everyone says its our age that causes us to have high insurance.Anyway, are we going to be required to have our own full coverage insurance on a new car if we get one? Or will the dealership help us with it or factor it in the payment? Because I don't think we could afford full coverage if its much higher..I priced it when I was 18 on a mustang and it was like $300 a month...I know crazy!!""

Insurance for a street bike?

how much is insurance for a street bike starting out

Motorcycle insurance quote?

can you get a quote without entering a social security number? i dont want to give it out

Car Stolen with Keys - Insurance Claim Issue?

Hey guys need some help My partners car was stolen last night and we have just noticed this morning The keys to said car was in another car (within a handbag) parked beside the stolen car what has happened is the car with handbag in it was broken in to, handbags were raided, found keys to the car beside and it was then driven off with What way will insurance see this? I know if the keys for car are left within that car and its stole most insurers dont pay out but what way might this situation pan out??? any advise greatly appreciated""

What insurance is available for those who are between ages 18-24 and can't qualify for Medicaid?

Any low cost health insurances out there?

Health insurance quote?

Where can I get a free health insurance online quote? Hi Everyone- This is my first time on Yahoo Answers! I'm looking for a place where I can get an online free health insurance quote. I'm always skeptical everything out there is a scam. Thanks for your help!

New driver trying to get insurance... Quote for 1750 in November... Why has it gone up to 4400 now?

Hello all, I'm 17 years old (male) and passed my test earlier this month. In November I just thought I'd get a rough figure for insuring a 1.2L Corsa (2001)... I got a quote from Quinn Direct for 1750 (I put in the details as if I had already passed etc). So yes, more than the car is worth, but my parents and grandparents were willing to help me out with it, and I was pleased. So, Christmas has been and I thought I'd get looking... I went back on to Quinn Direct and now for a 1L Corsa (2001)... The quote is 4450!! That is ridiculous! It's true, I'm a 17 year old male... Bla bla... But 4450 for a 1 Litre car? All my friends are with Quinn Direct, and their 1.3L Fiesta's etc are only 1900 to insure! Gocompare and all those don't give me much better quotes either. I've also done the Pass Plus. Can anyone shed some light on this please? Thanks!""

Health insurance cost?

In June of 08 my fiance and I are getting married in IL. I will be just out of school and looking for a full-time teaching job. My soon to be husband graduated 2 years ago and found a part-time music job, but the school eliminated all the part-time positions. He is now subbing and teaching percussion lessons every week. We both will have to pay for insurance until we both get full-time jobs. What is a normal cost to pay per month. If I was to average $150.00 a month is that to little or to much for the two of us. I will be 22 almost 23 and he will be 25. I know he has insurance, but it only covers things that will cost over $8,000 and everything else he pays for out of pocket like shots and etc. It would be nice to have a better plan. He has a screwed up back and some other issues with his body hurting from time to time and blue cross and blue sheild rejected his application. So, it was hard for him to find a company to insure him. Thanks!""

How will this speeding ticket affect my insurance?

Back in April I got a speeding ticket CVC22350, went to traffic school, and paid it off. Now, I got another one today, CVC22349 (a) for going 87 in a 65 (on the freeway). I read that I can request traffic school and if the judge gives it to me, it will take the point away but they will still notify the insurance company of my ticket. Let's say I don't do traffic school. How will this affect my insurance rates? I have Wawanesa insurance. This will be my first ticket that they know of, right? And your first ticket shouldn't affect your rates? Please help!""

Why is michigan car insurance so high?

I am a 21 year old female with no little credit but I have no bad credit. I rent an apartment and pay all my bills on time. I have a 2004 monte carlo ss that I paid 3500 for. This is my first car. The cheapest quote I got was 350 a month and that's only for the state minimum. I already have health insurance. They want me to pay more for car insurance than my car is worth and if I get in an accident they wont even cover it.

How do I find the best car insurance rates?

How do I find the best car insurance rates?

How much would auto insurance be with State Farm for an 18 year old male with a 2006 Mazda 3 hatchback?

No tickets, no accidents, 3.0+ gpa.""

Will my insurance be high?

I'm 16, turning 17 soon. I have strait A's so I get the driver discount and plus my insurance company has a program you can do for an extra 15% off which my mom is going to make me do. I'm a girl so I know my insurance will be less then a boys.. But If I got my own car ( years around 2000-2009) will my insurebce be extremely high?""

Im confused about car insurance process?

Does any body know if its standard for the other person car insurance company to know the social security number of the not at fault person? Also, can they deny paying all the medical bills for the accident? Thanks for your inputs.""

Insurance In California?

What's the insurance law thing in California? Someone told me that anyone who has a license and drives a car MUST have insurance. Do you HAVE to have insurance to drive in CA? Another thing is that my parents were telling that it's expensive to put my name under their policy especially because I'm a newly licensed driver, meaning I don't have a lot of driving experience yet. Is this true?""

""18, Looking for car insurance, a little lost?""

I'm really not entirely sure what to do or look for. My parent has pretty much told me to sink or swim at this point and is not helping whatsoever, so I need a little help or atleast a push in the right direction. I only need cheap liability insurance, since between my job and school I'm strapped for cash. Does anyone have any recommendations? Any advice on where to start looking? I'm an 18 year old guy with a beat up 18 year old truck with a great driving record in Oklahoma if that makes any difference.""

Premium tax rate on car insurance cancellation?

I want to cancel my insurance policy. I am currently paying monthly with insure to drive. I have had the policy for 3 months and reading the cancellation points it says a 35 cancel fee and premium tax rate. I currently pay 133 pounds a month for insurance if that means anything (totalling 1600 a year)

Cheapest 1st car possible?

For a 17 year old what car would bet the cheapest considering gas, insurance, and the actual price of the car.""

What kind of insurance do I need as a teen?

I am looking for quotes and anchor insurance asks which insurance I want I have the choices of Liability only, Comprehension and collision and Comprehensive only""

Health Insurance for i130 documents?

Can I used Health Insurance that I have added to my wife to my policy as a support document. She is out of status on the Visa. She has also been on my insurance for 4 months now.

health insurance quotes colorado

health insurance quotes colorado

Do you need motorcycle insurance when you just have a motorcycles learners permit?

in MN. I already have car insurance but is motorcycle insurance nessisary when i just have a permit? I know I did not need it with my car permit but is it different with a motorcycle?

I was driving my firends car and had an accident. Whos insurance covers the wreck? My friends or me?

I was driving my friends car and wrecked it. My insurance says that insurance covers the vehicle not the driver. Is this the opinion of all insurance companies?

Insurance and Driver License MN?

I just started my policy with 21 insurance and I moved from home to my grandma to now to chaska. Which is closer for work. Im getting a new driver license. But I told the insurance company my old address since I didn't get the new card for driver license. Is this bad will my rate go up ? I told the insurance company I work 3 days a week and its 45 min one way. But now im closer to work.

Do black males have higher insurence then white males?

Do black males have higher insurence then white males?

Cheapest auto insurance for young drivers?

Who do you use and what are your payments a month on your vehicle. I'm trying to get an idea of what my insurance payments are going to be and I'm not sure who to go to. I'm looking at buying a scion tc. Anyone that you do NOT recommend using is highly appreciated also. THANKS!

Is there any affordable Car Insurance for 16 year olds?

PLEASE READ: The problem is this. I'm 16 years old, and I really would like to own a car. But the problem is this. When your 16 and you first get insurance, it is super expensive. I have a brother the same age who would also like a car. But I have a single mother. If we have 3 cars and 3 people on one policy, that means it will cost over 10,000 dollars. I know I have to take a defensive drivers course to get 10% off, and I should get honor roll (But that'ss too hard). I've suggested that we get minimal coverage, but my moms the kind of person who thinks she has to pay a lot of money to be covered. Because she won't take minimal coverage, Now I can't have a car. What is the name of a car insurance company that is very affordable but does not make you go on minimal coverage to afford it? If you want, you can tell me what it cost you so I get a best estimate. Thanks.""

About car insurance a few questions please answer all thanks?

If my aunt was a Co signer on my car but it's under both of our names does her name have to be put on the insurance ? And can I get insurance with my mom's under her policy ? In other works if I'm a partial owner of the car does her name and my name both have to be on the insurance or even any of our names have to be on the insurance?

Who has the best & affordable dental and medical insurance?

I need a lot of work on my teeth and I will know it will be expensive. I'm trying to find a good and affordable insurance for dental and medical. I would like my copay to be no more than 20% and my deductible to be no more than $3,000 & doctor visits no more than $30. Can anyone help me out? I'm also looking for not only me but my child as well.""

How old do you have to be to buy insurance?

how old do you have to be to buy Business insurance?

Are private pilots required to buy insurance for their planes?

Are private pilots required to buy insurance for their planes?

If i have a probe GT how much will car insurance cost me a month?

If i have a probe GT how much will car insurance cost me a month?

I am confuse in my shop insurance?

Insurance company says your insurance in under insure so you can not get full claim amount. What can I do?

What insurance company should i use as a 17 year old male?

I am looking for the cheapest insurance firstly as with a provisional license holder and then with a full uk license, the car is a 2001 Vauxhall Corsa (Y reg) and has alloy wheels. Also if its better to be a named driver with one of my parents as the owner. Thanks""

About how much will a Subaru Impreza Wrx/sti insurance cost me?

**Im 17 years old now with no tickets. I have a 1998 V8 Explorer now - will it be a lot more money?

Will my car insurance go up if the accident is not my fault?

if i get into a car accident that is completely not my fault, and the other person pays for the damages through his insurance company, will my insurance premium go up too? thx!""

Car insurance for diabetics?

So I'm relatively new to the world of driving at the age of 23 and I am also a Diabetic trying to find cheapcar insurance that would cover me. Anyone know of any insurance agencies that won't drastically raise my insurance costs because I'm a diabetic, or any low cost ones that cater to diabetics?""

VW beetle car insurance?

Im nearly 17 and female and love, even though I know its expensive.. A VW beetle as a car soon. Any idea on what the car insurance may be?""

What is the cheapest car insurance in michigan?

I am looking for cheap car insurance I live in battle creek mi. I am 22 years old and on ssi. I have autism diagnosis. And I want to be able to get a car I do not have a license right now. But can get one social worker told me that. I would be allowed to drive. I do not own a car right now. But I have $2000 save up for a car. Before I take anymore steps I need to find out if i can afford insurance. I have about $30-$45 to spend a month on insurance for a car. That cost about $2000 I only need the bare minimum that will allow me to drive with a license legally. Dose anyone know where in i can get cheap car insurance? Any help would be greatly appreciated.Thanks

Was it wise for me to cancel my car insurance?

I had gotten into an accident. ICBC says it's 100% my fault, and I did just file an injury claim for myself and my family members that were in the car with me. I don't think my car is drivable, but if it is, then it's not worth fixing because I don't have collision and it would cost more to fix than how much I had bought it for. What I did yesterday, was cancelled my car insurance. But I was just talking to someone who told me that it wasn't a good idea to do that. And now I'm doubting myself. Will this be held against me? The person in the other car claimed injury and her car is also damaged. Did I just dig a deeper hole for myself?""

How much does car insurance for minors cost?

I live in Victorville, California and I'm 16 years old. What is the average price for car insurance in my area and for my age?""

What is the average deductable on car insurance?

What is the average deductable on car insurance?

Question about Motorcycle insurance?

If you crash your bike solo will your insurance cover the damages

Do i need insurance for a project vehicle?

I am looking to get a project car to build until i can drive do i need insurance

How Much Would A 17 Year Old With A G2 Pay For Insurance For A 1995 Geo Metro Hatchback in Toronto?

Im planning on getting my first car but the insurance is holding me back. Please Help.What Company do you suggest? Maybe you know someone with the same car and around the same age.

Should we keep health insurance or get rid of it?

anyone know the pros and cons of either getting rid of health insurance or to keep it?

health insurance quotes colorado

health insurance quotes colorado

https://www.linkedin.com/pulse/how-much-car-insurance-bentley-jacob-foster/"

[beardedwinnerobject-blog]

Can you borrow someone’s car without getting in trouble for car insurance?

"Can you borrow someone's car without getting in trouble for car insurance?

My boyfriend and I are going to mall tomorrow and my dad said he could borrow his car. My boyfriend has his license but he does not own a car so he doesn't have insurance at the moment My dad on the other hand has full coverage. I keep getting told different things about the insurance. Some say my boyfriend needs insurance before he can drive the car without getting ticketed, and others say that since he is only borrowing the car that is already insured, and doesn't live in the household that we would be okay if we happened to get pulled over. Does anyone have an accurate answer? Is the person insured, or the car? Or is it different in different situations like this one?

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

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17 year old male car insurance!?

I am 16 (soon to turn 17) and I already have my lessons and car sorted out. If I passed my theory and practical test first time I am looking at getting a 1.0L Toyota Yaris in mid-September. I live in Blackpool (UK). I have been looking at quotes and insurance companies for ages but I can't find a consistent price. I was wondering (roughly) how much my insurance would be with and with-out a black box and any ideas for which insurance company to go for?

How much car insurance coverage do i need?

I'm buying car insurace and i need to know how much coverage to get. I want to get the lowest amount of coverage, without being unsafe. i have a clean driving record; im 18 yrs old, female, and i drive a 95 carolla, good condition. what do you feel is the minimal safe coverage?""

Can you cancel your car insurance for a month and the get it back?

I'm going out of state for like 3-4 weeks and I was wondering if there's anyway to stop your car insurance for just that month and then Get it back when I come back without having to pay for it since that's kind of a waste. I have allstate

What is the best way to use technology in comparing insurance premiums for MEDICARE costing?

Many of the baby boomer generation will shortly be reviewing insurance costs for our retirement years - health, medical, prescription and the like. We will need to make decisions based upon retirement income and expenses. I have done some preliminary research and it appears I need to do a lot more. The data for health and medical costs is easily available however there is a ton of it. For this reason, I intend to use spreadsheets to crunch through this and any other tech tool I can locate. One of the problems with this approach is that just about every quote is proprietary, that is each quote has its own bells and whistles which make it more or less expensive than the next company. Although I have spreadsheet skills, I can visualize that any template I make must provide for more assumptions than I want to make. From the above it's clear to me that I need some kind of generic (FREE) spreadsheet template that is not proprietary, combines monthly income and expense (insurance premiums counted as expenses), is not locked in terms of making formula adjustments, and has the ability to forecast. If this is as clear as mud to you, welcome to the crowd. Surely, there are fill in the blanks templates dealing with MEDICARE comparative cost determination. If there are and you are aware of them, please let me know. I would be in your debt. Regards, Rich F. Florida""

Insurance Car coverage?

My car got flooded bacuase of the Hurricane IKE in the houston area. The current market value of this car is 9k but I still owe 13500 and I do not have GAP insurance. I had an offer for this car three weeks before the hurricane for 12k. As we all know insurance will only pay what it worth now. What are my possibilities for having the insurance pay it off sice this was a natural disaster.

Does car insurance cover for shattered side window?

My car got vandalized this morning and someone broke my backside window. (Not the big one but the small triangular window that does not slide down. Will my insurance company cover for the damage or do I have to pay out of my pocket? How much will it cost for that tiny window?

What should I expect to pay for car insurance?

We are a family of five living in Bakersfield, CA. We have four cars (2005 Infiniti Fx35, 2006 Toyota Highlander, 2008 Acura TL?, 2011 Toyota Camry). How much should we expect to pay for car insurance? Its just that the cost of adding one more person and one more car increased my car insurance by a little less than 50%.""

Does liability coverage insurance cover car theft?

i have only liability on my car insurance and i would like to know if that covers car theft .

Do i need car insurance in my name?

My brother and me are sharing a car, I just got my license and my mom says i dont need to worry because the insurance covers the car not the driver, i live in texas, is this true?""

Good/Cheap Turbo'd car? No hondas?

What's a good and cheap car around 15,000 used with around 20,000-40,000 miles on it, I was thinking of a SRT-4 or a cobalt SS but I want more ideas too, I'm 18 and I dont want my insurance to completly blow up, I did drive a 1999 merc cougar and I was paying more for a sports car in insurance til I blew a head gasket on that POS, so I am wondering if a 4cyl turbo'd car would be cheaper or not too bad in insurance,? I live in Florida, thanks to whoever""

Why is my insurance so high?

So I am 21 years old working part time as a supervisor with a certain big brown shipping company. I am making decent money, and was, at the time, driving a really high mileage 1998 explorer that got terrible MPG and was nickle and dimeing me to death, so I decided to go look for a new car. The car I found, was a 2011 Suzuki Kizashi S. It had really high safety ratings, the car itself was in very good condition (the previous owner was a little old lady who I actually got to meet because her nephew was the car salesman I bought it from, who even brought me all of the paperwork on the maintenance she had - impeccable maintenance record I might add), and the average highway mpg, is double that of my explorer. However, I made a mistake of not confirming what my insurance rate would change to when I called State Farm over the phone to have my coverage changed to the new vehicle, and now here I am paying triple what I did for the explorer. I don't get it, how does a little 4 door sedan w/ awesome safety ratings and all that jazz cost me $224 a month to insure, but a 4WD fully loaded explorer, in Colorado, that I had since I was 17, was only like $63 a month. I mean, I understand that a vehicle that isn't paid off yet is going to have higher insurance thanks to the lender requiring full coverage, but I don't know ANYONE around my age paying this much except for a guy I work with who drives an Acura and got a massive ticket for going a buck 20 in a 45 speed zone and now pays like 350 a month. Is there something particular about this car that I wasn't aware of? It's a great car, but the huge insurance cost is really hurting what I'd planned to be able to afford per month on top of my other bills.""

What's the cheapest and most reliable auto insurance company in LA?

i'm with state farm and it's kinda expensive, so i'm thinking of switching to another insurance company.""

About old car insurance?

i want to buy a 99 honda acoord and i need to know how much shuold i pay for insurance ?

Is this the best way to go about cheap car insurance at 17?

Get insured on my mother's car for a year then get my own when the insurance drops.

Estimation on car insurance?

Im 18, i have my g2s, getting my G's whenever i make an appointment.. im planning on getting a car this summer, i really like toyota celicas, they only come 2 doors. anwyays, just wondering how much i would be looking at for insurance on a car, im also female and live in ontario if that makes any diffrence..""

Whats the average price of insurance for a moped ...vespa...49 ccs in Los Angeles?

I'm 17 yrs old and am planning on buying one when im 18... so i want to know the average price of the insurance for someone barely obtaining their license... i'm guessing its way more convenient then paying a ton of money for car insurance...

What health care insurance I can get that is affordable?

I need health insurance. And I can't afford it with my pay checks. I work part time. I have research over and over for health insurance. And nothing that I can afford comes up. So please help.

Homeowner's insurance?

if you own a duplex and reside in one half and rent the other half, is the homeowner's insurance only for the rental part or both?""

What are some home insurance companies in FL?

I am looking for a list of home insurance companies in FL, or if not a list if anyone can tell me the name of a few? Thank you very much!""

Average insurance?

Is there a place where i may find out the average insurance on some cars, particularly a Corvette.""

Now that health insurance companies must give a rebate to companies for group plans?

that don't completely utilize coverage, according to an obscure audit formula, will those insured under the group plan feel guilty if they have to use it and it affects everyone in the plan's annual rebate check? And how will insurance companies make up for this loss?""

Can i get cheap car insurance if i provide a different address?

I'm living in a busy area where theres alot of traffic and cars, i wanna give my dads address because it much more quiter there, ive heard you can nock back sum money if its in a quiter area and not much traffic. Any ideas or is that jus made up. or is there any other ways where i can reduce my car insurance.""

Car Insurance companies?

I have car insurance on my 2010 ford focus. When i signed up with them they never asked me about my title. it does have a salvage title but they never asked me if it had one or not. I have been insured with them for approximately almost 2 years with A+ plus driving history. I had some small damage that has been done to my car by a citizen of whom I have no idea but that scratch the sides of my vehicle with I guess the key or some type of odd objects. I put a claim in to have my car to be looked at and to have them to pay me the value of what my vehicle was worth. I've been paying full coverage since the day I started with them. when I put the claim in is when they discovered that it had a salvage title. Theey did send me a check for the amount of damages. this is an out of state check so its not able to be cash immediately. I have two questions I would like to ask. 1. are they able to put a stop on this check. 2. the retention department has been calling me what is the retention

Easy ways to save extra money on car insurance?

i am looking at buying a evo ix (for those who don't know, it is the quickest car under 50K) and i am just wondering how to save some money on car insurance. should i be listed as a part-time driver with a parent, as i am only 20 yrs old. ????""

Can I throw away my old insurance card?

I got new insurance. do I need to keep the old card for any records?

Can you borrow someone's car without getting in trouble for car insurance?

My boyfriend and I are going to mall tomorrow and my dad said he could borrow his car. My boyfriend has his license but he does not own a car so he doesn't have insurance at the moment My dad on the other hand has full coverage. I keep getting told different things about the insurance. Some say my boyfriend needs insurance before he can drive the car without getting ticketed, and others say that since he is only borrowing the car that is already insured, and doesn't live in the household that we would be okay if we happened to get pulled over. Does anyone have an accurate answer? Is the person insured, or the car? Or is it different in different situations like this one?

Car Insurance for Mum + 17 Year old?

My mum and I are looking to buy a car soon, since I have just passed recently. My mums been driving for about 6 years.. I just passed last week, and I'm 17 years old. I was trying to get quotes for me as a Named driver on a VW Golf 1.6l, but i seem to get no quotes at all.. My mum WILL be the main driver and I will be driving it only once in a while. Have any of you guys experienced the same thing? How do you think I can get a quote for my mum and myself for a reasonable price? Any good insurances websites that i could check out/call? Thanks in advance""

""What is an affordable used coupe for about $8,000 that wont be incredibly high on insurance?""

What is an affordable used coupe for about $8,000 that wont be incredibly high on insurance?""

Can I use my mums Tesco Clubcard to get cheaper car insurance?

I'm looking to buy my first car and naturally insurance is expensive. It is usually just out of my price range but I discovered yesterday that if I use my mums clubcard to get a discount on Tesco's website it brings it down to an affordable level for me. However I was just wondering if I can use my mums clubcard to lower my insurance or is this not allowed?? I can't find anything that definitavely answers my question on Tesco's website.

Auto Insurance Claim.?

hi, i just got into a collision and it was my fault. the damages were minimal i know i am a auto body man myself. the other vehicle will be needing a bumper and right headlight +paint material+work hours (hourly rates vary by shop 25.-35.). i know my insurance will go up due to this collision but, i was planning on fileing a claim on sandblast on my truck i live here in the desert side of california and the free ways here can sometimes be very bad. i had painted my truck at my own shop about 7 months back my truck came out clean but, now its just sad there is little sand pits all over the front end not to mention the sides. Even after being in this collision, will i still be coverd for a sandblast claim?""

Driving without Insurance?

Let get to the point, can my licence be suspend if my car insurance expire and I live in nj""

How much would insurance be for a 17 year old new driver?

The car would be a Range Rover. The cover would either be comprehensive or on parents insurance. Thanks

""Dealt with car accident outside of insurance company, how can I chase up the receipt?""

On Christmas Day I went out in the car to pick up some drinks from the petrol station and on the way out of the station I bumped someones car. I stopped and got out to give them my details (name, address and phone number) and then went home. In the panic of the moment I think I just wanted to get home as it was Christmas Day and I didn't hang around to take photos, ask for witnesses or discuss options with the other driver, which in hindsight I regret and realise was stupid. When I got home, the guy called me up and, again with the stupid mistakes, I said that I would rather settle outside of insurance; the driver wasn't keen on the idea at first and wanted to settle through the insurance company but I couldn't call them until the next week as they were closed for Christmas. He texted me the next day saying that he was going to get a quote from a garage and got back to me later with a quote for 400 through a 'friend of a friend's garage'. At this point I was a bit suspicious and the amount seemed very high for what I thought was not a lot of damage but at the same time he said that he either wanted to do it like that or through the insurance and I really didn't want to loose my no-claims discount as insurance for young male drivers is very high without the no-claims. In the end I decided to pay him, not without a certain bitterness owing to the fact that he was pressuring me for an immediate decision, which also made me suspicious. Having sent the cheque for 400, he kept up communications initially and let me know that he'd received it. He said that he would send me a copy of the receipt from the garage for my records but once he received the cheque I never heard back and now cannot get a reply. Bit long-winded for a question but that's the background story, my question is two-fold: 1. Can I do anything about it? It's more the principle than the money that bothers me, I know that I caused damage to his car but I now suspect it wasn't as much as he claimed. 2. Does 400 sound like too much or should I stop worrying about it? I hit the back corner of his car with the back corner of mine, and he later told me that I had cracked the rear bumper, which needed replacing. I'm not sure of the make of the car but I think it may have been a Ford Fiesta or something similar. I would really appreciate any help as it's weighing on my mind... I don't like people walking over me. At least if the amount he claimed sounds reasonable I can put it down to him being a wanker but the amount claimed being fair and forget about the whole thing.""

Where i can get car insurance groups explain?

Where i can get car insurance groups explain?

How much will insurance cost for a 16 year old.?

Nissan 350z in florida. I heard that if you take drivers ed in school it lowers your insurance, is this true? To SLACKER286 (answers all of my car questions lol): how old are you and how much is your insurance each month for your 350z, thanks""

""If I buy a term insurance policy for 30 years, what happens if I live more than 30 years?""

If I buy a term insurance policy for 30 years, what happens if I live more than 30 years?""

Will my insurance go up if i get my first speeding ticket?

I live in Louisiana and have farm bureau. I dont pay for my insurance so i was wondering if i should tell my mom since she will see if it went up. Please Help!!!

How to get cheap car insurance at 19 ?

I passed my test on the second of January at 19, i have been looking at getting a ford fiesta , or a vauxhall corsa for around 500-1500. i might go on to do the pass plus but not sure if its a waste of money. Anyone got any tips on how to get cheap car insurance ?""

Does having a CDL help lower your insurance on your vehcile?

Does having a CDL help lower your insurance on your vehcile?

How much do you pay for ur car insurance every month and how old are u?

I pay $83.09 every month and i am 20 years old. is that too much??, keep in mind that i never had any kind of accident or anything and i started driving when i was 15. I kinda starting to think its a waste of money if u think about it.""

Can student loans cover health insurance?

I am attending University and I do not agree with the Health Insurance my University provides. The semester expense is $1875 and it is applied to my tuition costs. Those costs are being covered by a mixture of scholarship and student loans. If I opt to purchase my own student health insurance through a different provider - can I pay for it with Student Loans?

How could I get a car home without no insurance or tax?

In buying a ford fiesta zetec which is about 100+ mile away, the owner of the car is currently not insured for it now so I can't drive it home and also it has no tax. I was hoping to get it tomorrow but I guess I can't. How can I get this home apart from using a trailer? I've heard trade plates? But what are these and how do I use them? Do I buy them? Help...""

Good Student Discount for Car Insurance?

I am a Senior in highschool living in california and my parents are trying to get me car insurance this week, however i dont know which GPA matters. Last year for my junior year i recieved a 3.8gpa and this year i have a 3.4. Am i supposed to show my cumulative gpa or one of these semester report cards?""

What are some quicker cars that are lower in insurance?

I'm looking to get a quicker car, I've been looking at WRX, Speed3, and GTI, but they are all really expensive on insurance for a 19 year old, are there any comparable cars that might be a little less on insurance rates?""

What is the cheapest car insurance?

I'm 17 and i'm after buying a car. I have my full licence but every time i look for insurance its 8,000. Whats the best Car to buy, with cheap insurance and who with. Thanks""

What is the best health insurance?

what is the best health insurance?

Whats the cheapest insurance company?

I need to know the cheapest car insurance to use? I'm an 18 y/o female single living in Portland,OR I graduated Ive never been in a car accident I took drivers Ed The car ...show more""

What is the best place for an 18 year old to get health insurance?

My ex is dropping my daughter from his insurance because she is 18. To pick her up on my insurance would triple my premium, which is already outrageous. Is there a reasonable policy out there for a healthy 18 year old?""

Car insurance for 16 year old boy in Bay Area California under parents?

I have good grades (above a 3.5), and I'm looking for cheap insurance for either a 2003 Honda Odyssey LX or a 2002 Lexus RX300. As of now, I am 16 and 4 months.""

I need help finding an affordable health insurance plan!! I am a young adult!?

I need help finding an affordable health insurance plan!! I am a young adult! I currently am 20, and I am on Medicaid. Full coverage. I am a former foster youth. Being a former foster care youth I get medicaid until I am 21. I turn 21 in October...I need some sort of affordable health insurance plan. I take ADHD medication, it really works and helps me focus. My work ethic has improved SIGNIFICANTLY, and I can actually focus. Its great, I am about to start college and am worried I am no longer going to be able to take this ADHD medication. I support myself for the most part, and no, I can not be on my parent's health insurance. I make about 16,000 a year, and pay half of rent and some bills etc. I need to find a health insurance plan that either A. will pay for all my my 198.00 a month prescrption cost, or B. pay for most of it. Will someone help me out? Direct me to any insurance company you know that can help me? Thank you so much. And please..real answers. Thank you for your time!""

Do I need to buy healthcare insurance if I turn 26 in April 2014?

This is referring to the Affordable Care Act in the US. I turn 26 in April 2014, but I already have Kaiser coverage under my dad's insurance plan.""

Can you borrow someone's car without getting in trouble for car insurance?

My boyfriend and I are going to mall tomorrow and my dad said he could borrow his car. My boyfriend has his license but he does not own a car so he doesn't have insurance at the moment My dad on the other hand has full coverage. I keep getting told different things about the insurance. Some say my boyfriend needs insurance before he can drive the car without getting ticketed, and others say that since he is only borrowing the car that is already insured, and doesn't live in the household that we would be okay if we happened to get pulled over. Does anyone have an accurate answer? Is the person insured, or the car? Or is it different in different situations like this one?

How much would insurance cost for a 1995 Honda civic ex?

For a 35 year old with a good driving record? I know its different from company to company but what's a good estimate

""In Alabama, is it hard to get insurance for a Jeep if...?""

i'm turning 16 soon. Getting my intermediate license, then six months later i'll get my real license. I've been looking at Jeep Wranglers, but i've decided I need something that gets a little better gas milage. So now i've really come to like Jeep Grand Cherokee's. The price of the Jeep isn't a problem, I can pay for the gas too. But the insurance is another. Does anyone have any clue how much insurance might be? I think my mom is with progressive if it matters. Thanks in advance!""

""If your added to a car's insurance, can you start driving right away or do you need to wait until you get the?

document in the mail

I'm stuggling to find car insurance HELP!?

I'm 21 and i past my driving test in may 2011 and got my car in july, I was insured by swiftcover for 145 per month but then I become ill and had to leave work so I couldn't afford the payments and decided to cancell my insurance til I could get back to work, but when I tried to renew my claim with swiftcover then said their policies have changed and they can no longer provide insurance for people who have been driving less then 4 years! So now every other insuance company want around 250-280 per month and I just can't afford this. Do u know any cheap insurers that take on young drivers in the UK, HELP!""

Insurance in Queens?

I live in Queens, New York (I'm 27). I have a Toyota Camry 1997. I only have liability insurance but for some reason I pay ridiculous insurance - I pay around $330 a month (have ...show more""

What is a good cheap car for a 17year old? I want cheap insurance as well.?

I have recent started driving lessons and I want to buy a car. I only earn 30 a day tho.

This is About car insurance?

I am getting a car soon and I want to kniw how much insurance was for me. I'm 17 and a boy so I know isles should be high. And is it a monthly thing or a one time fee?

How much is the insurance for a '01 pontiac firebird?

i wanted t know how much the insurance is for a teen on a '01 firebird?

How do i find my previous car insurance providers?

all the different car insurances details how can i track them?

How come im being quoted over 5000 for insurance?

im 20 years old and i am looking at buying my first car i have been looking at all sorts of cars from new to old staying well within the 1.0 -1.2ltr engines but i still cant get a quote lower than 5000... why is this, when i know 17 year olds that are getting quotes for 1.2 corsas @ 1500... am i doing something wrong? need to knows; im 20 i have a full UK licence i passed my test in febuary 2012 i have a full time job, not married any help would be great""

I can't get car insurance because of where I live what can I do?

I am 17 (boy) and passed my test on 15.08.2013 and I cannot get a quote under 4000 because of where I live. Don't try saying its my age or the car I want (Mini One 1.6l) because they seriously don't change a lot. I've tried every car possible with a 1.4l and lower engine and the prices don't go below 4000. If I change the address to my friends house who lives like 2miles away the price goes down to 2700 and if I change the address to my Nans address who only lives 15minutes away it goes down to 1500. I am seriously thinking of putting my Nans address down for insurance because there is no other way I can see myself driving and I know it's insurance fraud but how else am i suppose to get f***ing insurance. Someone please help and don't just tell me stuff I already know.

Cheapest car insurance out there?

I am looking for something really cheap. Not Geico, Allstate, StateFarm or Progressive. I want something even cheaper than these. thanks.""

Cheapest car insurance? I am talking less than $70 bucks a month. I have seen maybe 60 bucks a month lowest?

Only answer this question with exact information of a company that can go cheaper than 70 bucks a month as that is the lowest I have been able to find.

Ticket for no proof of insurance in FL?

I received a ticket for no proof of insurance, i did not have the card on me at the time but i do have insurance. When i go to court, will i have to pay the fine or will the ticket be thrown out?""

Is a saturn sky a sports car?

im a 17 year old boy, looking for a car, heard the sky is a fun and really cool car. But since im 17 and have school and what not i dont have time to for a job to pay for the ...show more""

How much is the average insurance rate for someone in alberta without drivers ed at age 16?

How much is the average insurance rate for someone in alberta without drivers ed at age 16?

Adding my dad as a second driver on my insurance - is it legal if he won't actually be driving my car?

I don't mean fronting! I know that is illegal. I've been researching tips on getting good insurance rate (as a 21 year old new female driver I know it will be expensive no matter what though) and they always recommend adding a second or third driver. But only my dad drives, but he would not be driving my car. Is it illegal to add him as a second driver?""

I have a question about cars and insurance....?

i just bought a car and im going to go register it today and put insurance on it and i was wondering , can my husband drive my car even though the insurance is under my name only and the registration is also under my name? our insurance is basic (not full coverage) like if the police stops us... will we get in trouble? thanks""

Can i get cheaper car insurance with historical license plates?

can i get cheaper car insurance with historical license plates

How much would a Jeep Wrangler cost to insure compared to a Honda Civic?

How much would a 1990-1995 Jeep Wrangler cost to insure compared to a 2004 Honda Civic? It would only be liability insurance, and I live in South Jersey.""

How would i go on my parents car insurance? and how much cheaper than being on my own insurance would it be ?

how would i go on my parents car insurance? and how much cheaper than being on my own insurance would it be ? first decent answer gets 10 points:)

Help with car insurance?

I am 16 and my dad wants me to pay for my own and i want to i just want to know the cheapest car insurance so will you please post a url that i can go to?

What insurances are affordable when persuing Gastric bypass surgery?

I am at the beginning of my journey to have gastric bypass. I am having trouble finding a insurance that is affordable and will cover the surgery, any and all suggestions are welcome. I also welcome any advice people can give as this is something that i have researched for 4 years.""

Average Motorcycle insurance?

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

""Moved out of state, Can I still be on my parent's car insurance?""

I just graduated college and moved to California. I bought a new car in Iowa before I left and my parents cosigned the loan. We registered the car in Iowa, saying my name first or my father. Since then, they have brought the car out here. Am I able to stay on my parents insurance (Farm Bureau) even though I am no longer a resident of Iowa or their house? Also, am I required to register the vehicle in California even though he is on the loan and the current provider of insurance?""

Can you borrow someone's car without getting in trouble for car insurance?

My boyfriend and I are going to mall tomorrow and my dad said he could borrow his car. My boyfriend has his license but he does not own a car so he doesn't have insurance at the moment My dad on the other hand has full coverage. I keep getting told different things about the insurance. Some say my boyfriend needs insurance before he can drive the car without getting ticketed, and others say that since he is only borrowing the car that is already insured, and doesn't live in the household that we would be okay if we happened to get pulled over. Does anyone have an accurate answer? Is the person insured, or the car? Or is it different in different situations like this one?

""Whats so affordable about $6,000 deductibles and over $500 a month for one persons health insurance?

When can we expect the $2500 in savings Obama told us back when he was trying to get ACA passed?

Car insurance question ?

I am now 20 and i am planning on buying a car. I heard that the insurance price is high for beginning drivers so I was wondering if the price goes down as I age...what are the best insurance companies that do this ? Thanks !!

Hi all.......car insurance!!!.?

hi all.......car insurance!!!. is it legal and possible for a person who lives in england to look anywhere in the world for car insurance. so to put it clearly can i insure my car from any insurance company anywhere in the world - could make payments cheaper cheers

Does urgent care cost a lot without insurance?

Please don't treat me like I'm an idiot. I went to the doctor at my college. They told me my throat looks very bad, but I tested negative for strep throat. They are closed all weekend, so I would have to go to urgent care. Last time I was sick (way less sick than this) they gave me steroids and they told me I would have been in the hospital if I waited after the weekend. When I was born, I had a pneumothorax, so I have very bad asthma. I just had an asthma attack, so I want to go to urgent care. However, my dad passed away in january, so we can't afford health insurance (only the one the school provides with tuition). I was just wondering if anyone knows about how much a regular visit would cost without health insurance. Thank you""

""I am 66 years old, can I get health insurance??? how about medicare???} how dan I proceed?""

I am 66 years old, can I get health insurance??? how about medicare???} how dan I proceed?""

How much will I need to pay a month for car insurance?

I'm an 18 year's old. I'm buyiing my own car soon. How much do you think i'll have to pay for car insurance a month? and what company should i get?

One day car insurance?

Does anyone know were a 20 year old girl can get one day/week car insurance or is it pointless looking? Can't seem to find any for under 21's and i don't have time to go to family insurance companies tomorrow. its urgent!!

What is best single Premium Insurance Policy?

My father looking Good Return Single Priemium Insurance Policy and father age is 58.Please help me.

Insurance for tuners ?

Getting a car soon and wanted to know how insurance works if you tune it uo...like say a geo tracker with an RB26DETT in it...yes i no its close to impossible...would they charge more or what....i no they dont cosmetically but like adding a turbo would they add to ur insurance??

I have a question about my insurance for...?

ok i am 16 years old...17 in September and i am wanting a motorcycle sometime before i go to college...i have farm bureau insurance and i've not had a wreck before...so what would my insurance cost me to be driving a motorcycle at the age of 17 with no wrecks or tickets or anything?

Have you lied to get car insurance?

There was an item on the news today saying that at least 1 in 10 people have lied to get car insurance. Usually the lies are about motoring convictions and where the car is being kept overnight. Have you ever lied to get cover and what lie did you tell?

""Renting house to teen driver (18), Does my car insurance go up?""

I'm 42 and considering renting out a room to an 18 year old in the house I own. Will having a teen driver putting this as their address, will MY car insurance cost go up?""

What is General Insurance?

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

Why are insurance companies under the Obama health care plan allowed to not cover existing medical problems?

How is this making health care affordable? My physician wrote a letter stating I have no complications, but the letter BC/BS sent me was that under the Obama health care plan they do not have to cover my thyroid or anything related to it. I am a widow, unemployed for 1 1/2 years and pay for my own health insurance. Will you do anything to change or eliminate this health care plan?""

""Before Obamacare, my health insurance premiums were stable...?""

...this year they went up 17%. How can this be, if Obamacare was supposed to make everything more affordable?""

Is Liberty Mutual a good reputable car insurance company?

If you know anyone that has them..or heard stories..or if you have them please let me know some things about them..pros,cons. Geico is quoting me $3500 for 6 months..I got a new car and Libery Mutual is quoting me $2000 for a year..so that's pretty good I really want to switch but I dont know anything about them. All advice open...""

Rough cost of insurance group 17 cars?

Hi all, I'm looking at a Lotus Elise for my next car. Its insurance group 17 and I'm 25 with nearly two years no claims. Anyone know roughly what the insurance would be? Thanks xx""

What is the average cost of insurance for box truck owners?

looking to start a company and i am wondering how much it would cost so i can get the ball rolling.

How do you get health insurance for under $500 a month?

My health insurance premium costs $500 a month. What options do I have for a cheaper plan? Would I have to avoid going to the doctor for many years to get affordable health insurance ? What is the secret?

""For Americans, How do you feel about your current health system?""

Reason I ask, I saw a segment on television of people in the states lining up in a showground to receive basic health care, instead of clinics, I was horrified, is this the norm? In Australia we have Medicare & Private health insurance, the main difference is one is a bit more comfortable than the other, I would really like to hear your views.""

Are online car insurance quotes usually close to the actual cost?

Are online car insurance quotes usually close to the actual cost?

Which stae has the cheapest car insurance.? I know Jersey has the highest.?

Which stae has the cheapest car insurance.? I know Jersey has the highest.?

Good health insurance?

I am a 29 year old male, i don't smoke or have any health problems. I am looking for good health insurance that doesn't have a high monthly cost. any recommendations of what to stay away from or some good ones would be much appreciated. Thanks. :)""

Can a 17 year old get insurance in her name in mo?

I'm 17 and i have my own car, dont live at home 2 hours away to be spacific, have a job and a son i turn 18 really soon and i was just wondering is it possible to get insurance in my name? Its in the baby daddys name right now but its like 200 dollars a month and i think its so high because his age sex and criminal record and his wrecks. For me i have never been in a car wreck or in trouble with the law and attending GED classes until school starts back up and then im going to take my ged at the school and get my hs diploma ive heard if your attending school or what not there are discounts. Any way please just answer my ? all rude comments will be deleted thanks!!!""

Good car insurance 17 years old?

what car would be cheap to buy and cheap on insurance for a 17years.

Can you borrow someone's car without getting in trouble for car insurance?

My boyfriend and I are going to mall tomorrow and my dad said he could borrow his car. My boyfriend has his license but he does not own a car so he doesn't have insurance at the moment My dad on the other hand has full coverage. I keep getting told different things about the insurance. Some say my boyfriend needs insurance before he can drive the car without getting ticketed, and others say that since he is only borrowing the car that is already insured, and doesn't live in the household that we would be okay if we happened to get pulled over. Does anyone have an accurate answer? Is the person insured, or the car? Or is it different in different situations like this one?

https://www.linkedin.com/pulse/can-you-write-off-cost-car-auto-insurance-your-taxes-self-maus"

[abeetomoney]

26 Ways to Save More of Your Paycheck Each Month

I’m often asked how to save money, and my response is always ‘live more frugally.’I’m surprised how many people, especially millennials, don’t know what this means. It’s not that they can’t try or won’t try to live more economically – it’s just that they don’t know how. So I’ve written this article to share my tips and tricks on how to live a more frugal live.To start, I must add that living frugally doesn’t mean I’m cheap, or tight with money, or don’t want to spend. It simply means I’m economical – always searching the best price.To be certain, living a frugal life isn’t for everyone. It’s not easy, it requires constant action and it quite frequently involves not doing what you want to do. (My biggest lament is giving up my gel nail polish pedicures. A gel polish in my state is around $26. Gels last approximately two weeks, so multiply times two, then multiply that times twelve – that adds up to $624 annually (not including tips)! That could pay for a plane ticket to Spain, or, more practically, my car insurance for the year.)

Living frugally is essentially saving today so that I can afford what I want tomorrow

. It’s about saving for retirement, for my next vacation, or (worst-case) that air conditioning replacement in my car.As I said before, frugal living takes commitment. Commitment to always turn that light off before you leave the room. Remembering to not turn the water on full when rinsing dishes. Maintaining grocery lists staples per store so you always get the lowest price for each item. In short – it can be hard work!However, it’s work that is rewarding financially and therefore, is worth the effort.So how do you live frugally? How do you save more money day-to-day?I’ve compiled the following extensive list of ways I save money every day.Please note, this list is not for the faint of heart. My lifestyle is very low-maintenance compared to a lot of people and, as such, my frugal life may not be suitable for every individual. However, even if you pick only one item from the list below to start saving, it will put you one step closer to a frugal life.Always remember, saving one penny at a time adds up in the long run!

1.) Use a credit card that offers cash back. With 1% cash back on purchases, this can quickly add up. And some cards, like Chase Unlimited, offer up to 5% cash back on select stores or items throughout the calendar year. All you have to do is activate within the app and start saving!

2.) Turn off your water heater during the day. This one never occurred to me until a landlord said if I could remember to turn the water heater off in the morning before leaving for work, then turn it on when I returned home, it could save up to $10 a week! She was right, too – I immediately saw a decrease in my electric bill and I’ve been using the trick ever since.

3.) Turn those lights off! Again, a basic idea, but it’s true. Don’t leave every light on in the house. Flip the switch – save a few bucks.

4.) Don’t run the water! Yes, I’m sure you heard that a lot growing up, I know I did! My parents were always reminding us to not turn the water on full blast, to turn it off when soaping up hands or dishes. This was redundant when I was a child, but as an adult, it saves me a lot of money. Don’t flush money, literally, down the toilet.

5.) Compare grocery costs and keep a list. It may surprise you to compare costs in one grocery vs. another – and perhaps not a good surprise! For instance, our local grocer costs up to .30 more for basic vegetables and fruits than WalMart. This may not seem like a lot, but a simple thing like creating a grocery list by store will help you remember where to buy which item at the lowest cost. You’ll be surprised how much you can save! I save up to $75 a month shopping at our local Aldi vs. WalMart.

6.) Buy a used car and pay cash. Okay, a lot of people have to have the latest auto, I get it. I’m not one of those people, and I’m okay with it! I bought (and always have) my car used from a neighbor, gave him cash, and now I have no monthly auto debt. As a side note, the auto insurance is WAY less for older cars, too – so it’s a double bonus!

7.) Shop around for better car insurance. You may be surprised how much less you can purchase your auto insurance just by shopping around online. I was!

8.) Buy used. This, obviously, doesn’t apply to everything, but if possible, buy it used. For instance, a few years ago I needed a new washing machine. Instead of running up my credit card, I looked at local flea markets and yard sales and found one for only $50! I bought that machine three years ago and it’s still running strong! Remember, new isn’t always better.

9.) Shop outlets for clothes. Okay, I love to clothes shop. Love, love, love! I really enjoy the name brand and designer clothes, which can really put a dent in my savings. However, a few years ago, a friend turned me onto outlets and I haven’t looked back! Fortunately, I’m within a thirty minute drive of two outlet malls, and the savings have been fantastic. I found two Banana Republic blazers for $10 each – they were on clearance and 60% off the lowest marked price! I found a $199.99 Ann Taylor dress marked down to $29.99, again, a mark down on already reduced clearance prices. The savings on clothes alone have been fantastic, and as I work in a office that requires me to wear suits on a daily basis, this has been a great find.

10.) Look at local thrift stores. I’ve saved a lot of money by thrift store shopping. Of course, there are a lot of things I wouldn’t recommend buying at a thrift store, but there are so many great ways to save on some things. For instance, when I adopted my dog a few years ago, I needed a crate for him to sleep in. The most inexpensive one online or in-store ran $40+. I walked into our local Molly Mutt Thrift Store and found a crate for only $10 (just had to give it a thorough cleaning and disinfecting when I got home). And they were having a wooden nickel sale (show the wooden nickel and get the daily discount) which gave me 50% off the item. I got it for only $5! Thrift stores are also a good place for dinner ware, coffee mugs, kids games (just wash them first!) and furniture.

11.) DIY furniture and knick-knacks. Unless you’re buying an antique, furniture and decorative items have very little, if any, resale value. Why not look to Pinterest for some DIY ideas on how to paint that old coffee table you found for $5 at a local yard sale? Or perhaps repaint a vase you found for $.50 at a farmer’s market? The DIY tutorials online are endless, and there are SO many unique and fun ways to make your own home decor! Not to mention the bragging rights when friends come over.

12.) Merchant Coupons. Not every store has or offers coupons, but before you shop, do a quick browse on their website or do a Google search to see if they have any discounts. Macy’s, JC Penney’s, Ulta, Michaels Arts & Crafts and Kohls, just to name a few, almost always have a coupon code or barcode to have the cashier apply at check out. You’ll be surprised how much you save with this trick.

13.) Take advantage of happy hour. For those of you who enjoy dining out, you know how quickly those restaurant tabs add up. So plan your dining, if you can, around happy hour. You’ll find a drastically reduced food and beverage menu. I’ve found that this can almost halve my final tab – just remember to leave a tip for the waiter!

14.) Groupon it. While I do not use Groupon excessively, I did recently stumble across a local business offer for $12 beginner horse back riding lessons for children. As their initial lessons start around $50, this was phenomenal! I think they are a great resource, especially for local restaurant discounts and events. Worth looking into!

15.) Free admission days. Want to go to a museum but don’t want to spend the $12 admission cost? A lot of museums offer free admission day – our local art museum is the last Saturday of every month. Just remember to put it on your calendar so you don’t forget the date!

16.) Workout outside. Have a gym membership but rarely use it? Try finding a local park that offers a fitness trail as an alternative. We have a local park that offers outdoor elliptical, weight training and walking trails – and while enjoying the fresh air!

17.) Buy it used. Okay, I know I’m saying this a lot, but it’s my go-to frugal advice for people trying to save money. If you don’t have to have it new, buy it used. Bicycles, surf boards, pool tables, trampolines… the list goes on. There are so many things that are bought that end up as dust collectors or garage space consumers. Save yourself some money and buy it from someone who needs the extra space in their home. Your pocket book will thank you.

18.) Save your pocket change. This one may seem obvious, but you’d be surprised how many people discard, drop or just leave their coins anywhere in their home. Start a coin jar and see how full you can get it. (This is also a great money saving tactic to teach kids how to save!)

19.) Switch to a low-cost cell phone provider. The large providers too often bundle packages to make it seem you’re saving when in reality you’re not. Shop around and see if you can find an lower price option. I use Cricket Wireless and I’m amazed how much less their prices are than Verizon or AT&T.

20.) Shop after a holiday. This handy trick has saved me a LOT of money over the years. Wait until after a major holiday to snag wrapping paper, gift bags, bake ware, etc… Michaels Arts and Crafts often marks their Christmas items down to 70% off. Add that to a 20% off your total purchase coupon and the savings are amazing! Next year you’ll be stocked and ready to wrap gifts, bring cookies to the office party or decorate your home all at a discounted price.

21.) Open multiple savings accounts. Have one account where you pay your bills from and another savings account where you move any money left over at the end of the month. This will help keep your money separate and you can see how much you’re saving vs. how much you’re spending each month. I just did this recently and it really works as a great visual to let me see exactly how much I’m saving.

22.) Eliminate cable or paid TV services. This one is really hard for a lot of people. For me, it’s extremely easy because I just don’t have the time to watch a lot of television. Another option is to utilize your Amazon Prime membership and live stream movies and tv shows there. A lot of libraries offer free DVD rentals as well. While many people no longer have DVD’s, for those of us who do (yes, that would include me), it’s a great way to watch movies for free.

23.) Make coffee at home. A simple thing like a cup of coffee every morning can really take a hit on your savings, even at McDonald’s where coffee is a $1. Assume a cup of coffee every week day, multiply times four and then again times twelve – that adds up to $260. That could pay a few months’ water bill!

24.) Pack a lunch. Instead of always buying a restaurant or fast food meal during your lunch break, bring your lunch instead. As a single mom, this is a huge money saver. I pack my own lunch for work as well as the boys’ school and daycare meals and we save a phenomenal amount as opposed to eating out.

25.) Check if your employer offers any employee benefits. Some employers offer 401k match, childcare reimbursement, healthcare coverage, college tuition payment and more! My employer, for instance, offers up to $240 a month in childcare costs. They put it right into my paycheck each pay period! So if your employer offers benefits, make sure you check again and see if there are any offers you can take advantage of.

26.) Find free weekend events. This one is actually really easy to do. If you have kids, check out http://www.macaronikid.com for a local calendar of events – usually free! The library and bookstores frequently offer free children’s book readings. Weather permitting, find a local park for the kids to play on Saturday. For the adults, discover a unique hiking trail, walk the greenway, see if there are any live music concerts with free admission in your town, go to the library and borrow a book or movie, and check a local events calendar online to see what free weekend events your community offers. I’m always amazed by the variety of free events and entertainment that are offered in my community, and you might be too!

[idiottantrum-blog]

Archived Post: Ask a Husband #1: Joint Finances

So back when I first started this website, I did a few installments of this thing where I took some general relationship questions that people sent me and wrote a post in a mock Dear Abby sort of advice column. The few of them I did ranged in how serious the advice I gave was. This one despite being largely about cat sweaters and discontinued cereal (you'll see) I felt actually addressed the question that was posed. Others were far less helpful. 

I eventually stopped these as I didn't really enjoy doing them. I took that part of the site down and it's been buried ever since. I came across the posts while digging through some old stuff though and remembered I did actually think some of them were kind of funny, so I decided to re-post them on the main site. I'll put them up one at a time over the next few weeks, and possibly even post one that never saw the light of day in the first place. We'll see.

Here is the first ever Ask a Husband. Perhaps 'Ask an Idiot' would be a more apt title now.

Ask A Husband #1: Joint Finances

Originally posted July 19 2015

For the first ever installment of Ask a Husband, I'm going to discuss a question that I got a few times. That topic is "Joint Finances"

“A newlyweds guide to managing finances together.”

— Paula S.

“How to make his and her money “our” money while both still being able to spend as wanted!”

— Ashley M.

One of the big things that must be dealt with as a newly married couple is figuring out how to make the transition from maintaining separate bank accounts to managing your finances as a joint entity.

Before I begin dishing out advice on this topic, let me start with a disclaimer. On this matter, there really is no single correct way to do things. You and your significant other are going to have to talk things over, figure out what is going to work best for you and go with that. If you're having a tough time coming to a consensus you can always point them to this site and tell them "Hey, when that guy isn't writing stories about farts and giggling about unintentionally phallic objects he has a few thoughts on joint bank account management you should look into." That should pretty much seal the deal that I'm a totally credible source of information.

It's a whole new experience sharing your finances with someone

The prospect of someone else having access to all your financial information, as well as your purchasing habits once you get married can be unsettling at first. Who want's to face having to explain to their angry spouse why they bought a forty dollar box of Rice Krispies Treats Cereal on Amazon? Certainly not me. (Because they're goddamn delicious and you can't get them in stores anymore FYI) 

Going from having complete and total control over how and when you spend your own money to managing everything with another person can be stressful, especially if you end up feeling like your unable to have any 'fun money' to spend on the occasional frivolous item for yourself.

If this resonates with you, perhaps the same method of managing finances that works for my wife and I will fit you and your partner. We organize our finances so that we cover some things together, whilst still maintaining a portion of our incomes independently.

The Future is now!

First I'll say this. I love the continued progress we are making in the world towards not having to interact humans for basic services. When the inevitable robot apocalypse occurs and humans are overthrown as the dominant life form on the planet by the new master race of robo-murdertron 9000's and I'm hunted down and pulped to make some sort of battery recharging slurry my last words will be "At least for a while I was able to do my banking without having to talk to anyone".

Setting up multiple accounts with your bank and managing them from your computer or phone is awesome. In our household, we've got all our accounts at our fingertips and can move money around at will. It makes maintaining multiple checking and savings accounts which we've designated for different purposes a snap.

I highly recommend if you are not already doing so, get yourself set up to do mobile banking with accounts you both have access to. It will help massively with managing your budget and keeping you both on the same page with your finances. 

Getting your budget in order

Before we get to the part of managing your finances together where you get your own money to blow on headphones for your cat or something, you should make sure all of your other affairs are in order.

In other words, the order of importance of figuring out where your money is going looks something like this:

Bills and essentials

Savings

Cat Headphones

Seems simple but it's really easy to forget that you need to make sure you've got all your bills payed and you're putting something away for later before running out to buy a new gadget. Especially if you're younger and just starting out. Way too many times have I heard things like It's okay to be broke now, your just starting out, you're supposed to be broke. You've got time to save later. As justification for spending on things you really can't afford. A word of advice: It is okay to be broke, and it is okay treat yourself, but do so responsibly. Always be putting at least something away for later. Even if it's just a few bucks a month at first. Even if it just means going out to dinner one less time that month, that's twenty bucks more than you had before and it adds up over time. You may be glad you've got a few hundred or a few thousand bucks in reserve down the road in an emergency.

How We Do It

What we did for our money management was work out a system where all of our recurring bills are payed from a single joint checking account that we set up solely for that purpose. We each contribute 50% towards bills like rent, utilities, food, cable, ect, while putting in 100% of the cost towards any recurring bills we felt were individual responsibilities (things like student loans and individual car payments).

This works for us as it has all of our money going out from one account for easy tracking, and in a situation where my monthly expenses are much higher than her's due to my student loans and the fact that her car is payed off already, it doesn't put that financial burden on her. Everything is nice and even.

Once we had the bills covered we each took whatever was left from each of our monthly incomes and split it up in several ways. These boil down to: Long term savings, incidentals, and fun money.

Long term savings is money we put aside in addition to what we are each already contributing to our respective 401k and retirement funds. This is money that we don't touch, but have readily available in an emergency. (Like if one of our jerk dogs breaks through two secured gates, gets into the kitchen and eats seven ears of corn and needs emergency surgery, to provide you with a highly specific example).

Incidentals is for the various things you inevitably need to purchase that aren't  covered in the monthly budget. We move a certain amount of money to this account each month and use it for the random purchases we make throughout the month (like 95% of it being the twelve consecutive trips I end up making to Lowe's every time I try to fix something stupid around the house like the outside hoses.) As we are still in the process of furnishing our house we periodically try to let it build up over a while and then make a large purchase like a piece of furniture. (We never buy anything we can't afford to pay for then and there. Credit card debt is the writhing spawn of Satan's housekeeper Norma.)

Now onto my personal favorite: Fun money. We have together fun money, and we have individual fun money. Each month after we've moved the designated amount of money for our bills, incidentals and long term savings, we take whatever is left over and put it into the fun money accounts. We have one that we share, which we use primarily to save for vacations, and we each have a separate account that the other person doesn't have access to.

With the bills paid and some money being squirreled away for a rainy day, the money in this personal account is considered ours and ours alone to do with as we please. If I want to buy a 40 dollar box of cereal on the internet, I can do so entirely guilt free. She loves getting her nails done, if she wants to go do that, great! If I purchase a sick cat sweater, we have a talk about being embarrasing in public but hell if that's not my money to spend on cat sweaters if I want! Having that little bit of money set aside each month that is entirely yours to spend on whatever you want is, in my opinion, a healthy way to maintain that balance between "his and her" money and "our" money.

The other benefit to managing things this way is that it forces you to be more responsible and deliberate with your purchasing. If I want to blow all my money on Cat sweaters and Cereal, I'm free to do that, but I only put so much money in my fun money account each month. If I spend it all, there is no dipping into the other pools of cash, I've gotta wait. If I want to buy something more expensive, I've got to be happy with the sweaters I already own, and whatever bran flavored box of disappointing adult cereal we have in the house for a couple of months. Ultimately I find it makes purchasing that new laptop or expensive gadget all the more rewarding because the anticipation of saving up for it made it that much more sweet when I actually got my hands on it. 

Bottom Line, have boundaries set and stick to them   

Now before you run off and buy a purebred Welsh Corgi which is genetically proven to be a 99% genetic relative to the Queen of England's third favorite dog and name him Colonel Stuben Crumplebuttons, or roll out to the gentleman's club and make it rain singles on a dancer named Cinnamon who's "just working her way through nursing school", realize that while fun money is meant to be for you to spend on things that make you happy, you are still in a relationship. 

Don't go pointing the finger at me when your significant other is pissed that you got a dog without consulting them or come home smelling like glitter and broken dreams. "The cat sweater and cereal guy said I could spend this money on whatever I wanted!" is not going to fly, I promise you that.

Make sure if you are purchasing something that will affect the other person, you consult with them before doing it.

Like in all things in a marriage, you can usually avoid conflict by talking things out with one another and being on the same page with your plan. That goes not just for how you are spending your fun money, but for setting up your budget and establishing how any leftover money is being handled after the bills have been payed in the first place.

As I said before, the plan I outlined is just how my wife and I handle things. That's what works for us, but it might not be what is best for you. Figure out your plan for your finances and once it's in place, stick to it. Before you know it you'll be rolling in all the cat sweaters and cereal you could ever want.

[theeastasianlover]

Continuing from my last post I think it’s about time that I write a bit about my finances. I won’t elaborate much but I am glad I am maintaining at about (500 +/- 30)$ per month including rent, utilities and groceries.

As I said last time, I have heard and read many stories where a lot of students couldn’t afford their rent or food. Hence, they would live in shabby places and eat noodles to save on time and money. Honestly speaking, I draw my inspiration from them. I am fortunate to have enough to live in an apartment and eat all my meals everyday. However, I won’t deny that I still live a frugal lifestyle, without spending much on luxuries. But if I do find something which I would regret not buying later, I do go ahead with that purchase. Before I start, I would say that after my rent, phone, internet and electricity bills, I am left with about 80$ a month for groceries and other things.

Now, it is not to say that I cannot ask for more. I definitely can. But, to be honest, loans scare me. Debt is always scary, even if you have a job with you. Also, it doesn’t fit right with me that I ask my parents for money beyond absolute necessity (this is the Indian scenario and parents support their children financially till whenever parents wish). Hence, I try. Keeping my budget under 500 has been difficult. It means less occasional outings whether for food or vacations or just shopping. I did try some things to earn from here and there, since I was a new student and couldn’t really get an on campus job last sem. So, what did I do? Here is a list:

I got my rent reduced because I agreed to live in living room: We are three students sharing a 2 bed 2 bath apartment (sharing an apartment rather than having your own studio apartment is always cheaper). Hence, the third person had to manage with living room. I agreed to live in the living room for a reduction of 50$ per month in my rent. With a separator, it pretty much feels like a room/ private space to me. So, I am happy. For that, your flatmates need to be adjusting though. My flatmate who has a private bath in her room was fine with her rent increasing by 50$ per month, then only I could do this.

I signed up for various apps where I could save/ earn money: Ok, so this is bit of a stretch, but I signed up for various grocery cashback apps which give cashback on select grocery items in their catalogs. They are especially useful for people who eat (especially cook) non-veg and have drinks. I haven’t cashed out anything from these apps yet apart from an Amazon Gift card of very small amount from ReceiptPal and 27$ worth check from InboxDollars very recently. I won’t review any of those because there are plenty reviews out there. However, I would list down what all I use:a. InboxDollars: This is a survey site where you can earn money doing various activities apart from taking surveys. The thing I like the most about them is their TV section. I put the TV on on the website and keep doing my work. After sometime, it does ask to click a button to confirm if I have been watching the videos, but even if I am not, I can just refresh the page and the playlist of videos starts all over again. I recently cashed out a 27$ check from them after three months of joining. That too, because I did not know about the earnings from TV section. Earnings from occasional surveys add up too. Beware that this is not a place where you can become rich or earn your rent. But it’s enough to make about 30 bucks per two months passively. If you do surveys and other stuff actively, you can earn more. People say they have made upto 70$ per month on the site being more active. Well, grad students don’t have that much time. Right now they’re giving 5$ to any new member who joins. And if you’re interested, you can use my referral as well: InboxDollar Referral b. Apps like Checkout51, Ibotta, Shopmium, SavingStar: They all are apps which give cashback on groceries you buy. They have new list of items every week and you just have to unlock that particular item and scan your receipt. While Ibotta has many selections, they generally need membership details for the given store and Aldi is not there (the place where I do my major grocery shopping from.) Checkout51 has number of stores but their variety  in items is dropping down. However, these both would be my go to cashback apps. I haven’t cashed out anything from these yet but it never hurts to get some cents back on your purchase every time passively. One day, they will all add up. Walmart’s Saving Catcher is another option if you do your major shopping from Walmart. I’ll write down the referral codes for these too – Ibotta: rflsgnl (if you sign up using this code, you earn 10$ and I get 5$). I still don’t know how coupons work, but if I ever get time, I would like to try those too!

c. Apps like ReceiptPal, Yaarlo: I particularly like Receiptpal because you get a 1$ increment in Amazon Gift card for each 16 receipts you upload on their app. It can be anything whatever you buy. You read it right! I did sign up for Yaarlo but I am not very happy with its earnings. Nonetheless, nothing goes in snapping a picture or two of your grocery receipts. Another app is ReceiptHog, similar ot ReceiptPal, however they don’t have any space with them and I have been on the waiting list for 3 months already. I won’t really recommend that. Referral Code: Yaarlo: 4AUCKPG1667

The only catch here is, none of them is super fast. For some, it might be time consuming to just check out offers too. I check them out on bus or when I am idling around with social media etc. But trust me, when I received that 27$ check on 5th Jan from InboxDollars (I had won a 10$ worth target gift card too earlier), and when I deposited it to my account, I was overjoyed. Seeing that account balance going up always makes one happy.

I stopped eating outside: Not exactly. But yeah, I do my cooking entirely at home. Not only do I save money but my diet restrictions also has something to do with it. I am a vegetarian. I don’t eat eggs even in things like cake etc. but in US even pasta can have egg. Hence, I avoid all outside food whenever I can. A lot of people complain they don’t get time to cook because cooking takes up a lot of time. I have observed that with time, you start taking less and less time in cooking. Also, you can always spend less time on facebook. Home cooked food is fresh, healthy and cheap (I did some calculations and one meal comes out to be less than a dollar when I cook all the meals in a month by myself). And I will emphasize on healthy. My parents, who have always had healthy food in their youth are struggling in their 40s. I can’t imagine maintaining my body that long given all the junk I have already consumed. I want to keep fit with exercise and good diet. That is also one motivation behind me cooking everyday. I also save time when I make all my meals for the day in the morning. Or may be on Sunday and use them till Tuesday. Whatever arrangement works for you. That one hour affair pays me for the whole day(s). Proper nutrition also means more energy and better concentration.

I participated in researches: A lot of colleges are involved in researches where they need help of human subjects. Not talking about experiments on you but just interviewing, aptitude tests kind of thing. Try to find if that happens in your college. Mine has a huge system where various studies are available. They don’t pay much but if doing fun activities for 20 minutes is giving me 10-15 bucks, I am totally up for it. The mistake I did was, I was too shy and egoistic to sign up for them for a meager amount. But when I participated for the first time, I found it to be a relaxing activity. The hospital and another university near me pays as high as 600$ for some studies. Without an SSN, that particular study would have paid me 150$. Not bad for 6 hours of your life. (I didn’t qualify for it though, so that’s that).

Find an on-campus job: Goes without saying. It is the best way to earn money and add something on your resume. Because I did not have one last sem, I tried all of the above to make/ save some extra.

Some more things you can do is to stay away from subscriptions you don’t need. I don’t really watch TV, so I don’t have any netflix or hulu subscription. I use WhatsApp or free video calling apps to call home. Another thing I have heard about is, you can, in general negotiate your monthly bills in US. I have no experience in that at all though. Investment? Well sure, if you can. I don’t have that much money or aptitude to start investing in US yet, but some day soon.

Initial expenditures can blow anyone away. I spent whopping 2000$ in my first one and a half month here. After that, I have been trying to take care of my budget. I did start noting down all my expenditures. Writing down keeps my desire to spend more in check (or checking your account balance frequently :P). I am not bothered about people saying that I am stingy. Because at the end of the day, I want to be in less and less debt without ruining my health. I know the feeling of spending my hard earned money without any pressure of loans on me and I would like to achieve that state as soon as possible. Hence, I am not afraid, not concerned of ‘missing out on stuff’ right now. Nor do I forget to reward myself once in a while with good food or something I really wish to buy. I rewarded myself with food from my favorite restaurant very recently on finally landing an on-campus job. These kind of rewards keep me motivated to do better as well.

So, these were some of the things I have been following till now to manage my finances in US. What are your pet peeves?

My Penny Pinching Secrets Continuing from my last post I think it's about time that I write a bit about my finances.

[kennethherrerablog]

13 Ways for Android Users to Bank Extra Cash This Week

Do you have an Android phone? Do you scoff at iPhones?

Well, good for you! Android phones are easier to customize, have expandable storage and generally cost less than iPhones.

A whopping 99% of smartphones these days run on one of two operating systems — Google’s Android or Apple’s iOS. In this tug-of-war between tech giants, I’m here to stick up for Android.

With an Android phone, you have nearly 3 million apps to choose from. (That’s more than Apple has, NOT THAT WE’RE COUNTING OR ANYTHING.)

That’s, um, a lot of choices. To help you out, here’s our list of the best Android apps that will put more money in your wallet.

1. Scratch Off A Free, Digital Ticket

Once you’ve watched some videos, rest your eyeballs by checking out a free app called Lucktastic.

Each day, it releases a new assortment of digital scratch-off tickets. Instant wins range from $1 to $10K. You can also earn tokens, enter contests and play games.

The app is free to download — and play.

2. Let This App Negotiate Your Cable and/or Internet Bill

On the phone with your cell phone or internet provider, trying to haggle a lower monthly bill?

Go ahead and hang up. (We know you’re probably listening to crappy music while sitting on hold, anyway.)

Download TrueBill, an app that’ll negotiate your bills, cancel unwanted subscriptions and refund your bank fees.

After downloading the app, create an account and link your bank account and/or credit cards. Turn on the bill negotiation and outage protection features. Boom. TrueBill is already searching for potential refunds — it might get you a refund even when you didn’t know an outage occurred.

On average, Truebill customers get $12 in credits off their cable bills each month.

The app will also remind you of all those sneaky subscriptions you’ve signed up for through the years, so you can cancel what you don’t use and reclaim your monthly budget.

Signing up and using the service is free, though there are some paid premium services that are totally optional — but could totally be worth it.

3. Stop Deleting Your Emails

It turns out deleting your emails could be costing you money. Intrigued?

One of our secret weapons is called Paribus — a tool that gets you money back for your online purchases. It’s free to sign up, and once you do, it will scan your email for any receipts. If it discovers you’ve purchased something from one of its monitored retailers, it will track the item’s price and help you get a refund when there’s a price drop.

Plus, if your guaranteed shipment shows up late, Paribus will help you get compensated.

Disclosure: Paribus compensates us when you sign up using the links we provide.

4. Get Rewards for Paying Your Bills on Time

Clarity Money* is a free app that helps you see, organize, and take control of your finances.

The way it works is simple. You just download the app, connect your existing accounts, and get ready to learn more about where your money’s disappearing to… and how to keep more of it.

Clarity Money analyzes and uses your spending history to provide budgetary insights. It’ll show you exactly how much you spend in different categories, like bars and restaurants, as a percentage of your total expenses.

But it’s not just a recap of your weekend spending with pretty graphics.

It also gives you the tools and information you need to start making better financial choices. And they’re all super-easy to use, and accessible right inside the app.

5. Squeeze Money from Your Shopping Receipts

Shopping in person? How vintage.

Ibotta is an easy-to-use cash-back app that’s partnered with more than 50 retailers, just about anywhere you’d do any kind of shopping.

Before heading to the store, search for items on your shopping list within the app. Strawberries? Check. An ear of corn? Check. Add each cash-back opportunity to your list in the app.

Then shop.

When you get home, snap a photo of your receipt and scan the items’ barcodes.

Bam. Cash back.

Some cash-back opportunities we’ve seen include:

25 cents back for any item

25 cents back on strawberries

50 cents back on frozen fruit snacks

$1 back on a box of tea

$5 back on a case of Shiner Bock beer

Notice a lot of those aren’t tied to a brand — just shop for the staples on your list, and earn cash back!

Ibotta is free to download. Plus, you’ll get a $10 sign-up bonus after uploading your first receipt.

6. Cash in on Your Old Stuff

Are your closets and shelves packed to the brim with stuff you never use — or even look at?

You can sell virtually anything on Letgo. This intuitive app lets you snap a photo and upload your item in less than 30 seconds. It removes a lot of the hassle of selling things online, and it’s 100% free to use.

7. Play Games, Save Money

Blast is a savings app for Android made by gamers for gamers. It allows you to save, earn and win cash for playing games.

It works with every game in the Google Play Store, as well as top PC games, including Counter Strike Global Offensive.

The app is free, with no hidden fees.

While you play, the app works in the background and transfers small sums from your checking account into a high-yield Blast savings account based on “triggers” you set — things like the number of opponents you defeat or enemy bases you destroy. You can earn extra cash by completing “missions” that allow you to test new games or take familiar games to the next level.

Your Blast savings account earns 1% interest, is FDIC-insured and is secured by bank-level encryption. You can withdraw your money anytime or just let your savings grow.

8. Play Free Scratch-offs — and Win Real Money

You know that feeling when you find a $20 bill hiding in the pocket of those jeans you wore last week? Yeah, that’s the feeling of a lucky day. The Lucky Day app is just like that. Have fun on your phone, just like you do anyway, and you might just pocket some extra dough.

Lucky, indeed.

You could win up to $10,000 playing digital scratch-off tickets or even a whopping $100,000 in the daily lotto. You’ll also have a lot of chances to win gift cards to cool places like Amazon, Walmart, Dunkin and Target.

It’s all free to play, with no in-app purchases. The company has already awarded more than $3 million in prizes to winners since 2014.

Seriously, you could have that “I just found money in my pocket” feeling today just for playing games and having fun on your phone.

9. Get Paid to Share Your Opinion

Surveys aren’t our favorite way to make money, but if you’re just vegging out on the couch — or shielding your eyes while being forced to watch “Final Fantasy 113” — why not click a couple buttons and earn a few bucks?

There are a bunch of paid survey sites out there, but one of the best we’ve found is InboxDollars. It offers several short, daily surveys, and you’ll get a $5 bonus for signing up. Plus, you get to earn cash, so you don’t have to worry about exchanging points. Check out how one college student pocketed $600 with InboxDollars. Her secret? Persistence.

10. Snag a Free $10 Walmart Gift Card

One of our favorite ways to save is with Ebates, a cash-back site that rewards you nearly every time you buy something online. For example, Ebates gives you 10% cash-back on online purchases at Walmart.

Plus you’ll get a free $10 gift card to Walmart for giving the site a try.

To earn your gift card:

Sign up for Ebates with your email or Facebook account.

Use the Ebates portal the next time you need to buy something. It’s connected to thousands of stores, including Walmart, Amazon and Target. You’ll need to make your first purchase through the site within 90 days and spend at least $25.

Your account will be credited with rewards points you can cash in for your $10 Walmart gift card.

11. Take a Walk Downtown

No extreme physical activity or pulled muscles required for this money-making trick. All you need to do is download the Shopkick app.

Once you sign up, the app pays you in “kicks” for walking into certain stores (including Walmart, Target, TJMaxx and more). You can redeem them for gift cards to a number of retailers, including Amazon, Target, Walmart, Starbucks, Sephora and Best Buy.

It pays you even more kicks for photos of receipts that include qualifying items you purchased in-store with a connected credit or debit card. You can also earn kicks for online purchases. You don’t have to do anything; your linked cards will automatically apply your kicks.

But don’t make the mistake of buying things you don’t need just for kicks, you know better than that.

12. Winter Is Coming. Save Your Acorns

So, how’s your Android phone doing so far? It’s working great, isn’t it? That’s what I thought.

Now let’s step up your savings game. Whaddaya say?

Open a micro-investing account with Acorns. Once you connect it to a debit or credit card, it rounds your purchases up to the nearest dollar and funnels your digital change into a savings and investment account.

Because the money comes out in increments of less than $1, you’re less likely to feel the impact in your bank account. (You can also set it up so it doesn’t round up every single purchase.)

When you sign up, you get a free $5 to start investing.

13. Bank Smarter to Earn Money on Your Savings

There’s no law that requires you to bank the old-fashioned way — at a brick-and-mortar bank with a crummy interest rate on your savings.

It’s time to move your money into the 21st century. An iOS app called Varo Money combines traditional banking tools with modern technology to help its customers become financially healthy.

Here’s the best part: Pair your Bank Account with a Varo Savings Account where you’ll earn 2.10% annual percentage yield. That’s 35 times — repeat, 35 times — the average savings account, based on a 0.06% average reported by CNN Money.

Varo goes easy on the fees, too. As long as you use one of its 55,000 ATMs across the world, you’ll never pay fees.

Additionally, you’ll pay no monthly service fees, no minimum balance fees, no foreign transaction fees and no cash replacement fees. You’ll just pay any fees charged by out-of-network ATMs and cash deposit fees if you deposit cash in-store through Green Dot.

Disclosure: Clarity Money compensates us when you download the app using the links we provide.

Mike Brassfield (mike@thepennyhoarder.com) is a senior writer at The Penny Hoarder. He has owned both Android and Apple phones.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.

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