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capitalism-and-analytics · 4 years ago

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Any tips on managing money/taxes for teens? No one ever seems to explain it in detail

Absolutely, so I’m going to separate this into two categories; the first being managing money and the second being managing taxes. Additionally, I want to make it clear that I am making the assumption that you are wanting tips for the average teenager facing typical financial/tax situations. Lastly, because one of my colleagues recently got sued about some advice he randomly commented on Facebook, I must make this legal disclaimer:

The information that I am providing is general guidance on matters of interest only. The application and impact of laws can vary widely based on the specific facts involved. Given the changing nature of laws, rules and regulations, there may be inaccuracies in information communicated. Accordingly, the information I am providing is with the understanding that I am not herein engaged in rendering legal, accounting, tax, or other professional advice and services. As such, it should not be used as a substitute for consultation with professional accounting, tax, legal or other competent advisers. Before making any decision or taking any action, you should seek a direct consultation.

Managing Money

So at my former job when I was in university, I worked at a non-profit organization in a department that focused on aiding individuals with low income or poverty seeking assistance with employment and their general livelihood. One of my fundamental first procedures that I would work with them to do is take inventory of their financials and although it may seem simple, you would be surprised how many people fail to do this or how many people don’t do this and it is the underlying reason why they fail in managing their money. What this essentially means is that you need to figure out every single transaction that causes money to come in and causes money to go out. After you have identified every single transaction, (i.e. all financial activity), you are ready to make a budget, which not only includes every transaction, but it should also include any perceived expected transaction.

Now how do you make a budget you ask?

It’s fairly simple:

You start with your expected money coming in (i.e. your income), but here’s a small trick where most people fail. You make sure to put your post-taxed expected money coming in, which you can generally do by googling one of the many post-tax calculators available on the internet and answering a few basic questions (current salary/wage, state, # of dependents, etc.) for it to project your post-tax income. Next, you need to categorize any transactions in your inventory or expected transactions to cause money to go out into two categories:

They are mandatory, there is no way around it. You must pay these things. These include things like; rent, food, water, minimum debt payments, utilities, phone bill, insurance, etc. This is what most people consider their living costs.

They are discretionary and you have the opportunity to not pay them, but you still expect that you will choose/want to pay them, therefore money will be going out. These include things like; going out to dinner, new electronics, new recreational items, paying above minimum payments on debt, saving your money, new clothes, etc.

Now that you have all of your money going out categorized, you need to subtract all of the mandatory expenses (transactions going out) FIRST from your post-taxed money going out. Boom! We are officially at the point where you actually get to make decisions with the managing of your money, but there is no “right” way, there is merely differences with varying subjective consequences/benefits and risk levels.

If you want to save money, live with your parents as long as you can. Seriously! But there comes a time when you want to / have to leave, and you'll need to rent a place. Landlords will want to see that you have income, so try to keep payments below 30% of your take home pay. You may need a co-signer if you have minimal credit history. You'll need first month's rent and a security deposit up front, and even utility deposits sometimes. Read your lease before you sign it, and know your rights and responsibilities as a tenant, and what organizations can help you if you encounter issues.

Roommates are a popular way to save money on rent. Be aware of the issues that can come up with roommates though, since circumstances change, and you may be on the hook for their share. Have all roommates on the lease. You might even want a roommate agreement. Perhaps Sheldon Cooper has it right after all? Alternatively, consider renting a room from someone who owns their own house.

Aside from rent, cars are the biggest expenditure for many teenagers You can save a lot of money if you don't need to pay for one! It's not just the purchase cost. There's gas, repairs, and especially car insurance, which is very expensive for teenagers, typically at least $100/month, and can even be $200/month in some places, or if you have a tickets / accidents.

Your best bet if you do need a car is to save up $5000 or so for a reliable used car, then pay cash, so you can avoid finance charges and make your own insurance choices. If you do need to finance a car, be very careful of financing offers for teenagers. Double-digit interest rates are a Bad Thing. You do not want to "build credit" that way! The loan and the car are different things. You can't give back the car and be done with the loan, since you will typically be "underwater" and owe more than the car is worth.

Choose your spending wisely. Money spent is unavailable for anything else. Make sure it was your highest priority use of that money.

What I advise is that until you feel comfortable taking risks with your money you follow this flowchart (see link):

Next, I just want to go into the fact that although you absolutely have the most “control” over your expenses portion of your budget. The income section should still absolutely be part of your consideration because there will come a point that you can’t reduce your expenses anymore or you don’t want to reduce your expenses anymore.

You may find yourself working part-time or even full-time. This is a good time to learn about your rights and responsibilities as an employee, including how you are paid and taxed, as well as what your employer can legally do with your hours and even when you can be let go. Fortunately, taxes are low for most teenagers (if only because their income is low...), and you may even get a refund if you file taxes! While your lifetime income is the single biggest determinant in your personal finance situation, at this age, your priority is not on current income as much as preparing for the future, thus the focus on education.

Now let’s get into something that a lot of my followers will probably disagree with me about but...(FYI I copied some of the below from another post that I made on here, but several of the links from that post don’t work anymore, so I am removing them)

If you are currently attending high school or you recently graduated high school, then you should definitely be considering on attending college or working towards some type of certification as it is statistically proven that generally college graduates have a greater net income than non-college graduates. Though just to be clear, this is not 100% true in every case nor does it mean that all non-college graduates are unsuccessful, there are plenty of wealthy and/or successful non-college graduates, but if you took a random sample of 100 college graduates and compared them to 100 non-college graduates, then you would find the college graduates’ net income was greater (even after student loan payments).

So assuming you are attending a college; for the most cost-effective education, you will almost never go wrong with community colleges as they typically have very low fees compared to traditional universities and/or private colleges, despite commonly being transferred over to those same schools (verify before deciding). At the very least, if you try college and it doesn’t fit for you, then look into two-year degrees, so you can get out quicker. If you really do not want to attend a community college though, then you should really consider going to a four-year state school, but under zero circumstances should you go to a for-profit college as they are expensive, generally not well-respected, and credits are very difficult to transfer to an accredited four-year college. As a note, let me clarify by saying that “for profit” is not the same as “private” because there are some good non-profit private schools (though they are still typically expensive).

Ultimately though, make sure when you are selecting the college you choose that is accredited and has the following listed on their website:

Average starting salary of graduates in their chosen field

Percent of graduates that receive a job in their chosen field within the first 6 months

A great career center that will continually help you find jobs, along with a successful career fair

If you need money to continue your education, learn about student loans. This is a complicated topic with many options. Be careful what you do here, since these loans will be yours / your parents until they are paid off! People who find themselves in trouble later usually took out bigger loans (~$100,000) vs. smaller loans (~$20,000). Fill out the Free Application for Federal Student Aid by the end of June 30 of the year you plan to go to college so that you'll be eligible for grants and federally subsidized student loans. If you aren't quite ready for college, you can use FAFSA to estimate federal grants and loan approvals. Avoid taking on loans that exceed the future earning potential of the degree by too large of a factor. Use the debt/salary wizard on their website to determine the suggested maximum amount of debt you should incur based upon your projected salary or what salary you should be earning based upon your current debt.

Some people consider military enlistment or ROTC as a way to pay for college. That's a valid approach, but it is a big commitment. Talk to some people in the military or veterans other than your recruiter before you commit. Also note that dropping out of ROTC can be very expensive so you should probably not enter ROTC if you have any potential medical or mental health issues.

Ultimately, the point to be made is that you really need to have a plan for your education.

You ideally wouldn't go out and buy a car without doing a bit of research on what existing owners of that make and model had to say. Why would you get into five (or even six!) figures of debt without doing a similar amount of research? If you're at all on the fence about going to college, or your chosen major, it makes sense to find someone who's gone through your prospective degree program, take them to lunch, and get their feedback on how their path has treated them.

Did their degree path make sense for them?

If they could do it again, would they?

What advice would they have for someone considering following in their shoes?

Once you've done this, it would behoove you to gather additional data points. Don't just cherry-pick someone who's become a breakout success. Try to talk to people in the middle of the pack, or even some folks who went through the program and failed. Consider fallback options as well. If your career plan requires certain things that may not come to pass (such as being accepted into a top ten law school), and your plans are forced to change, what are your options? An undergraduate degree in business or engineering at that point may bear more fruit than a bachelor's in philosophy.

Think about your career

If you're headed to college, think long and hard about getting a degree that won't pay for itself. For any career, you should talk to several people who work in the field about your education plans and that career path to make sure your plan makes sense.

Next, I kinda want to return to more of the financial side of money management and that is banking...

Generally, if you're a minor, you will need to open a joint account with a parent or guardian. Note that joint bank accounts can be emptied by either account holder at any time so it is strongly recommended you open your own account after you turn 18. When you turn 18 (19 in Alabama), it's definitely time to get a bank account in your own own name (and transition away from joint accounts with your parents). You will no-monthly-fee checking account and a savings account. Credit unions, online banks, and small banks tend to have better customer service than large banks.You're not going to get rich off interest, sorry! But you can find better savings interest rates at online-only banks and credit unions. Put away savings as soon as you can, it's a good habit to get into, and start your emergency fund. Investments and retirement savings are covered more in the next several age-range articles. With limited or part-time income, savings are a better bet for now.

While we are on the subject of banking, we should probably also talk about credit to conclude...

Student loans and credit cards are the typical sources of building credit for most teenagers (18-19), but it's also when a lot of people start a long relationship with expensive debt. If you are responsible with money and have income, applying for a credit card can be a reasonable move for many people. This is different than the debit card your bank will provide with your account. It's a very good way to independently establish credit without paying interest. A secured or student card is probably your best option. Pay the balance in full every month! If you can't do that or you're not sure if you are ready, then you should not get a credit card. You can always build credit later when you have a more steady income and more experience handling money.

Managing Taxes

First and foremost, most teenagers are going to have minimal deductions, a low tax liability, and in most cases will qualify for a free file return.

To file a free return though, you should go here (see link), which has numerous free options for filing depending on your circumstances and many of which will hold your hand throughout the entire process.

As for how to best manage your taxes, you need to make sure that you keep documentation (receipts/evidence) for any number that goes on your taxes because if for the off chance you get audited and you are unable to provide supporting documentation, you will be fined or at worst charged with tax evasion. Furthermore, be aware that any document that someone gives you, most likely indicates that they are reporting those numbers based on you, therefore do not try to “lose documentation” to avoid paying taxes as that is not a valid excuse.

Additionally, it is fairly common for 18 year olds to try to classify themselves as a non-dependent when they are being classified by their parents and no it is not a personal choice. There are two types of dependent classifications; child dependent and qualifying relative dependent.

Generally, for teens to determine whether they can claim themselves, they just need to figure out how much of their support (costs) are covered by them vs the parent. If their parent pays most of their support (if you live with them, then they are supporting you via rent fyi), then the parent generally is able to claim them. There are other tests, but generally the support

Another common challenge is for teen parents who aren’t married having a child, but breaking up, then having a custody battle and both trying to claim the child on their taxes. Well it can get pretty dirty, but the same rules above apply to figure out who has the higher authority to claim, which is a major reason you better have documentation if you are trying to prove you are entitled to claim the child.

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justloosecannons · 4 years ago

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Finding Out/ Jake ft Eden

when: yesterday where: outs and abouts mentions: n/a description: jake is confronted with the fact that two can play at his game trigger warnings: mentions of body dysmorphia ideals, and sexual acts @partialhearts

Jake:

hooking his thumbs beneath the straps of his backpack, he wiggles just enough to redistribute the weight in it as he let out a hefty sigh. the party from the night before had been wild, and he was lucky to have snuck out in the early hours to catch at least a little rest. before trying to make it over to the coffee shop before his date with addi to get some writing done. crossing the street at the light, its only then that he sees eden. in the same clothes from the party the night before. he's not entirely certain who's place it was, but his heart seems to drop and crack in the pit of his stomach. he freezes, and only steps forward when he's honked at. visibly shaken, he jogs the rest of the way across the street and tries to calm an aching chest. "stupidstupidstupid." he rasps under his breath, knowing he's being unfair by the feeling of jealousy combined with absolute heartache he feels in the confines of his bones.

Eden:

her head is throbbing, and she makes a stop to pick up coffee from the local cafe, hoping that it might somehow help the dull ache in her head. she doesn't see jake until she hears the honk of a car, and her attention is quickly drawn to his direction. she was acting just like him, she knew it, she was stumbling out of the beds of strangers just as jake used to, and she wasn't being subtle about it either. "morning!" she calls, waving over at him casually.

Jake:

hearing her voice, meant that there was absolutely no way out of this impossibly uncomfortable scenario, which only further sent his heart directly into his stomach, only stopping to crumble and break off as it haphazardly hit various inners on the spiral down. a knot forms in his throat, and he quickly clenches his jaw in an effort to not show an ounce of emotion across his features. "hey - i..." he brushes his hand through the air to acknowledge her before he glances around, realizing he would have to walk right by her to get to his chosen spot. letting out a shaky breath, he pushed forward, and avoided eye contact entirely, truly afraid of the minor details that would prove how she had been spending her time. "just.... coffee shop.... gonna.. try to write." his voice cracks, keeping his head down.

Eden:

he's being awkward, and eden is suddenly a little regretful, wishing she hadn't drawn attention to herself, or said hi. is he okay? she's too scared to ask. "oh right, yeah -- okay." he's avoiding her, right? but eden really thought they were doing good, that they were on their way to becoming friends. "i was just on my way there, too."

Jake:

"nice, yeah.... cool." he clears his throat as his eyes stay put on the sidewalk below, suddenly very aware of her proximity and instantly envisioning hands all over the frame that he had once claimed as his own. his eyes lifted for just a moment, and he caught sight of a darkened mark on her neck, and let out a defeated sigh. "cold whisk. kitchen whisk. it'll...." he nodded with his head. "used to have to before i went to work after..." nights with you.

Eden:

she's confused, not sure what it is he is talking about, but then she realises he's talking about her neck and eden claps her hand over the mark with a bright pink flush rising to her cheeks. "oh i - yeah, i'll give that a try when i get home."

Jake:

“sure thing. hope it was nice, at least.” offering the smallest smile in her direction, and an ounce of bite - he nods before he’s turning to heard towards the cafe in question. his heart aches - as if it’s already in pieces and the organ pumping his blood of a foreign object. his fingers grip tightly at the straps of his bag as he lets out a bough that feels strangled.

Eden:

was jake really telling her that he hoped her sex life was good? she clears her throat, feeling a little awkward as they stand there, not really knowing what to say to one another. she decides not to react to the comment, for it will simply do neither of them any good. "i was just gonna get a coffee to you, are you...staying here?"

Jake:

“no i... sorry.” he clears his throat and nearly stumbles as he starts he’s feet up once more. he knows it’s unfair. he knows that he no longer holds claim to anything about eden, which meant that she was essentially a free agent - but, the way it consumed him nearly completely, left him throbbing. the walk felt awkward - which wasn’t them. had never been them, but his mind kept alternating between their last kiss - and... well, her most recent activities. there’s so much he has to say, but nothing comes out. stepping up to the counter, her order tumbled from between his lips right after his own before he has a moment to stop it.

Eden:

she stiffens when he puts in her order, he's being kind, and it ruins her every time. there's something about it that makes her nervous, because will every ever get to be friends? she wishes they could - she wants to be able to take care of him, he deserves that. but does she deserve to hurt again? "i'll get these." she says quickly, adding jake's order to the list before she's handing her card over to pay.

Jake:

the second she’s holding her card out, he’s simply shaking his head and sliding a fistful of cash to the barista. “here - keep the change. thank you.” he hums, taking her card only to carefully slide it into her back pocket. dark eyes search the space before he finds a table, and drops his stuff onto it. he hates it. he hates that he can’t be close to her and not touch her - because he’s desperate, and needy - and he’s never wanted anything more than her.

Eden:

she sighs, sad that jake rejects her attempts to pay, feeling a little depleted as she pushes her card back into her pocket. "is it always going to be like this between us?"

Jake:

it feels like a loaded question as he nods towards the seat across from him. letting out a hefty sigh, his fingers throw themselves through his curls. “it’s just... a little shocking, seeing you out - in last nights clothes and a hickey. just...” he shrugs, not fully prepared to explain that it hurts him.

Eden:

it feels unfair, why does jake get to do all those things and she doesn't? why did he get the double standard? "i'm just having fun - jake - for once in my life i'm just, doing what i want to do." she sighs, "all i've done my whole life is live for everyone else."

Jake:

it falls on his chest like a heavy weight when she speaks. “i-“ he starts, but hears his name. excusing himself, he collects their drinks and deposits them back on the table before glancing up at her again. “i’m not judging you - or telling you what you’re doing is wrong. i...” he sighs, picking at the cup. “i just don’t like it. and i’m not... saying that, that’s fair either..”March 24, 2021

Eden:

"i didn't like it when you told me you loved me and 3 hours later you were fucking some other bitch." she stares at him, hard, her throat tight. does he not see? does he have no idea what he's done to her, the pain he's caused. all the self doubt, the way she hated other women, when women weren't the problem or the enemy. "i hated all of it, i tore myself up because of it. and i'm so fucking sorry, that i have to look for validation in everyone else who isn't you.”

Jake:

the words seem to seep into him in a way that he can't really explain, but he knows that it rocks him to his very core in an instant. he could feel eyes on him immediately - people that overheard her, instantly looking at him. "i didn't... i-" his brows furrowed as his stomach turned, eyes flickering across the space as he tries to put his thoughts into some sort of cohesive statement. "i'm not saying that you're wrong. you are free to do, see, or fuck - whomever you want, eden. i... you aren't my girlfriend anymore. right? you aren't.... you're not mine. and i have to live with that. i'm just saying that you might send the wrong message when you're kissing me, and then fucking someone else - but again, not really any of my business who you fuck. but, i'm super appreciative of the fact that everyone in this god damn coffee shop knows that i'm an asshole. thank you." he huffs, tossing his bag onto his shoulders once more, brushing by her.

Eden:

she stares at jake's back as he pushes by her, and she knows she's confused him by kissing him, she did wrong. but hadn't he? all the times he swore he'd be better, do better, and he didn't. tears burn in her eyes, and she can feel everyone looking at her, at jake, at them, at the mess they had created. she doesn't chase after him, she knows she can't, she doesn't want to cause more of a scene. instead she just clutches her coffee and makes off in the opposite direction, allowing the tears to burn in her eyes.

Jake:

his fingers roughly tangle in wild curls as he makes his way down winding roads. he had only wanted to write - having felt moderately inspired to do so as of late, but his mood was completely shot. note to self: a whole new percentage of the population now hates you. it wasn't that it wasn't deserved, jake was well aware that the errors and careless actions he had taken with eden, had earned him the right to be judged. but, god - did he love her. making his way back into his apartment, he tossed a wave in koda's direction to let him know he was back, before falling back on his bed and pulling the small stuffed animal to his chest as his free hand toyed with the threads from the hold in his jeans.

#jake ft eden #jp.

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porchwood · 7 years ago

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I wish I could even begin to articulate how difficult things are in my life right now. I’ve admitted to depression in previous posts but that’s barely a fraction of the picture. In mid-December I lost my just-barely-sustaining-me job because my boss closed her bodywork practice, and if you live anywhere with seasonal traffic, you know that the off-season is the worst possible time to find work, especially if you’re in a tourism-fueled industry. I was able to cobble together two days a week each at two different places (a spa and a yoga studio) but traffic is still painfully slow and no matter what the law says, no one wants to pay their therapists if there aren’t clients coming in. I’ve been creeping by on about $250 a week at a time of year when it costs $300-400 a month to heat an apartment to 60 degrees. (That’s the lowest possible temp at which I don’t have to keep Lucky in a sweater. :/ I can’t begin to comprehend why propane is so inefficient.) Thankfully I have a roommate (and a good one) to help offset utilities, but unfortunately, I’m dealing with a lot more than that.

There was a glitch with the direct deposit at my second job and I only just received all my wages for the month of January, which will significantly help out for the moment, but that money would have been awfully nice to have for groceries (and heat bills) in January. I’m not starving by any means, but I’m truly living week-to-week and I can physically tell that I’m not getting enough protein (because meat is expensive, even for a bargain shopper).

Right after Christmas I had a terrifying episode of chest pain and wound up in the emergency room at 1am. (I don’t go to the hospital for anything, so that should tell you what a desperate situation this was.) The hospital experience was terrible to say the least, and about three weeks later I got a bill for $1,343 (and a subsequent smaller one for my chest x-ray), because my Obamacare policy covered nothing. (Let that sink in, okay? They “adjusted” the fee but covered no part. Of an ER visit - in-network, no less! - which is the end-all reason everyone tells you that you need health insurance.) I applied for financial assistance right away, which required exhaustive paperwork, only to be informed that they need my 2017 tax return (this was before I’d even received my W-2s) or they would automatically reject my application. Which means I now have to come up with a couple hundred dollars to have my taxes done in order to - wait for it - qualify for a payment plan. It’s pretty clear that I’m not going to receive any assistance or bill forgiveness (if your income isn’t below a particular number - and ironically, my 2016 income was - it’s an automatic rejection), but they won’t even let you have a payment plan (for a $1,343 bill) unless you send them gobs of paperwork demonstrating sufficient financial need.

Lucky’s separation anxiety is relentless and responding to nothing, and I spent the month of January making weekly 90-minute round trips to a veterinary acupuncturist, to the tune of $400+ (maxing out my credit cards in the hope that finally, this would help). Lucky hated the treatments (and I hated myself for putting her through them), her anxiety only got worse and the day before my birthday, the downstairs neighbors left a note implying that if I don’t put her in daycare (which is a whole other mess of a subject), they’ll report us to the landlord.

That night was the lowest I think I’ve ever come in my life. Thankfully, my sister must have picked up on this somehow because she called to chat for a little, but it was the first time I actually looked up the contact info for Lifeline (didn’t call but looked it up), and when my poor roommate finally got home I broke down in ugly tears and told her about something bad that happened to me a long time ago that I’ve never told anyone.

Right now I’m...coping. I guess that’s the only word for it. I’m eating, bathing, dressing, going to work, going outside, etc - and most importantly, taking care of Lucky, who is my literal lifeline. I’ve found one last vet to try and we’re going in tomorrow for a consult, but my roommate is dubious about the chances of success and concerned that the neighbors will flip that I’m not putting Lucky straight into a kennel this week. But right now the future boils down to two equally awful prospects:

1) I get Lucky vaccinated for bordetella and board her at the safest place I can find, to the tune of $20-30 a day (plus round-trip drives of about 30-40 mins twice a day), and try to function at work. There’s no way I can afford those rates, of course, and most of these places only take cash, so I’ll have to get another credit card to pay for living expenses while my wages go to daycare. Or I could look into getting a third job, but that would mean another day or two of daycare to pay for, so I wouldn’t be getting ahead, I’d be exhausted out of my mind, and I’d never see my little girl, who is not a young dog anymore.

2) I move permanently back to Nebraska (in stages, because there’s no way I can afford a U-Haul anytime soon) and continue to pay my half of rent and utilities as long as my roommate wants to stay here. (That was our arrangement last winter and remains the only fair thing to do, really, especially as subletting is forbidden.) My sister would take me in at her tiny house and probably let me stay rent-free, but now my aging father is back in Nebraska, and while my sister and I would buffer each other as much as possible, we’d be expected (read: pressured) to serve as caregivers to some extent, especially me, because I’m a massage therapist. And there aren’t a lot of resources to help you deal with an elderly narcissist. (Fun example: Dad ranted to my sister that he didn’t know why I moved to Maine right before he returned to Nebraska because, and I quote, “She only went to massage school so she could take care of me!” He also lamented to a friend - in front of my sister - that he’s not going to get any more grandchildren because my still-unmarried sister is about to turn 40. Which is a horrible thing to say in and of itself, but I don’t think it even occurred to him in the moment that his youngest child doesn’t have a reproductive system anymore and that the loss of it made her want to die.) Someday I might tell you about the rift with my parents, if I haven’t already - it’s not the aforementioned bad thing from my childhood, but it effectively means that I don’t have parents anymore, not in any kind of supportive sense.

Anyway, I’m scared and weary and hopeless and I hate the assumption that when someone isn’t engaging through social media or responding to messages that they’re self-centered, snooty, having too much fun to bother, etc. My life began to crumble four years ago and has continued at a relentless snowball-roll ever since without getting minutely better or even letting up a little, and I can’t swim a lick so I don’t know how I’m supposed to keep treading water indefinitely. And I don’t want to talk about it because even the nicest of those conversations start with “Are things getting any better?” and the answer is always, ALWAYS, “No.”

I don’t expect sympathy or support, because four years of relentless crap have taught me that the worse your life gets, the less people care. It becomes part of your identity to them (”Well, sounds like Elisabeth’s having some trouble again...”) and, I suspect, starts to paint you as a person who just can’t figure it out/get on in the real world, not someone who’s being subjected to an inordinate amount of bad fortune. I’ve had to fight tooth and nail just to survive these past four years, and if God and the world could agree that, just maybe, I finally deserve a little break, maybe I could stop subsisting and start rebuilding from the wreckage.

#personal #bad life stuff #thanks for listening #long post

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greyias · 8 years ago

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The Sprawling ATM Epic (as requested)

A long time ago (last week), I mentioned my tendency to occasionally spin epic tales out of really mundane activities, including one time that I visited the ATM.

And @elveny said:

Okay, who else wants to hear the ATM story now? :D

To which I replied that I would tell it if people were really interested.

And the Tumblrverse took up that cry:

@elveny said:

Yeeeees!! Tell it! :-D   

@aearyn said:

YES TELL THE STORY

@quax-of-dorne said:

I’m pretty is as epic as your swtor hunts…

Well, I can’t let everyone down! A little delayed (because this past work week was a little intense despite being shortened), but let me see if I can remember this epic tale of adventure…

(But under a cut, for I’m sure someone doesn’t want to scroll past all of this)

A LONG TIME AGO… in a town probably far, far away, there once was a teenager, who was stuck in a car with her mother and baby sister, the latter of which had made the mistake of asking her very bored older sister “what did you do yesterday?”

Being a good, good big sister, this teenager, who had recently gotten her drivers license and had a vehicle at her disposal, wanted to regale her younger sibling with a tale worthy of such a question. Sure, she could have just said something quick and let the conversation turn to other topics, but that would have been unfair to young pre-pubescent child, who always hung on her older sister’s every word and definitely never snarked at her in the way middle schoolers sometimes do that some less charitable folks might call “irritating”, but this narrator insists are “charming in their own way”.

And thus… she told her tale.

See, back in ye olden times of 2000, things were a little different than they are now. Back then, teenagers weren’t allowed to have things like Debit and Credit Cards™, but minors were allowed to have Savings Accounts. (Or perhaps our brave heroine was just ignorant of the finer points of finance. But that would be another tale.) Boring talks of legalities aside, the lack of access to funds via the simple swipe of a card was very troublesome for this teenager, for she had a Car™ that used to transport her to work (and occasional teenager things like The Movies and Stupid Adventures With Friends). And Cars™ required Gas™. And Gas™ required Money™.

Money itself was not the problem, for this brave teenager had a job and a paycheck, but she had to deposit said paycheck into a Savings account (manually, because this was back in the dark ages, before Direct Deposit™ became a Thing).

(Okay perhaps it was a thing, and our brave heroine really just didn’t understand the finer points of the banking system. We are getting sidetracked though, with all this talk of Reality. Le us focus instead on the story)

At this point, a cry came up from the back seat of the vehicle, “I just was curious, I didn’t want all this backstory.”

(Somewhere in the depths of the internet, @elveny, @aearyn, and @quax-of-dorne nodded in agreement.)

“You asked about my day,” the big sister replied, “and I don’t want to disappoint.”

Regardless of the finer points of the banking system of America in ye olden year of 2000, our brave, brave heroine was faced with a problem. She needed Gas™, for her faithful steed was edging close the empty line, and Mustangs were not known for their stellar fuel consumption. But as she opened her wallet, to her great dismay, flies flew out, and an empty money pouch greeted her.

“This will not do at all!” She cried. “If I try to pump gas without paying first, the constabulary will be after me, and rightly so!”

So, emboldened to take care of her mode of transportation so Teenagers Things could still be done, she hopped into ‘Stang the Magnificent (for that was his name, fite me), and began the long arduous mile and a half trek from her suburbia house to the closest bank. It was a long, road, and she had to turn many, many corners, and pull her steed to a stop at even more cursed stop signs. (This particular burb was known for its constables, who liked to spy on teenagers pretending to slow down to a stop and writing them tickets. And if you thought having to get cash was an epic at this point in time, try having to deal with traffic court.)

But, after a long, long road, she finally arrived at the bank, and to her great luck, the ATM lanes were empty. She rolled up to the first kiosk, hardly believing her luck. These lanes had been recently added, and she no longer had to find a good spot in front of the bank to sable her mighty steed so she could stand in line to procure her cash, which was far preferable to having to deal with standing in line inside, or go through the actual lanes. (For she was a minor at this point, and occasionally the tellers got snippy with that fact and forced her to go get her Mommy so she could withdraw $20 for gas monies.)

She reached over for her wallet, but to her great horror—it was missing! She gasped, wondering what evil had befallen her beloved coin purse, until she realized… she had left it at home. This was doubly troublesome, for her wallet also contained her drivers license, and that was not something she was supposed to be without while at the wheel of ‘Stang the Magnificent.

(She was also quietly grateful she had been so careful to come to a full and complete stop at every stop sign. For the police officers of her village were very gleeful in their ticket writing. It’s almost like teenagers had a general reputation for mouthing off to their elders. Not that our brave heroine was one of those. Of course not. She just liked to tell increasingly long stories to her baby sister who was definitely not crying for mercy at this point in the back seat.)

Sheepishly, she pulled away from the kiosk without a word, and had to navigate the very poorly designed parking lot, that required her to completely exit the bank onto a Busy Main road that she couldn’t turn left on back to the easy path home, but having to wind through an even longer and circuitous path back home. She did so cautiously, holding her breath the entire time, for she was without a license, and getting pulled over would be a Bad Thing.

She eventually made her way back home, but alas, she could not find her wallet! She searched high. And low. And then high again (just to be sure). Where, o where could it have gone?

She returned back to her faithful steed to commiserate with it, and apologize for not being able to get it the sustenance it so needed, when she found it. THE WALLET.

It had fallen underneath the passenger seat sometime on the long trek to the bank.

Oops.

Crisis duly averted, she and ‘Stang the Magnificent retraced their steps, through all of the twists and turns, and the many, many stop signs as well. Even though this time she came to a full and complete stop, she felt more confident, now that her License of Driving was securely back in hand. She reached her destination once again, although she had to wait for several other gentlefolk to conduct their affairs with the ATM Merchant, for she had dallied too long in her search.

Eventually, though, she came up to the ATM, and with card in hand, requested her $20 bill that would procure enough gasoline to satiate her mighty steed’s hunger. It flashed a warning at her, that since she was withdrawing from a savings account, this was the last withdrawal she’d be allowed without incurring a mighty fee.

“Oh no,” she muttered to herself, “will $20 be enough to get me through for the month?”

To be safe, she got an extra twenty, although she did so warily, for this was the Dark Times before we had pocket computers that always told us what our balance was. She would have had to keep this tally manually, in a checkbook, and she was sixteen. She had no time to be balancing a checkbook!

But fortune was with our brave heroine, and she did not overdraw her account. She hastily stuffed the cash into her beloved coin purse, and urged ‘Stang the Magnificent back toward the busy main street that would take them to the gas station.

“I can tell you about how I filled up the gas tank,” the older sister graciously offered at this point to her younger sibling in the back.

“No, no, I can’t take it anymore!” she cried. “I will never ask you any probing questions about your life ever again!”

And thus, the older sister won an even greater battle that day. And even to this very day, her younger sister never even realized it.

THE END

#the epic tale of the atm #ask and ye shall receive

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understandingchaoss · 8 years ago

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Im confused how youre able to afford to travel so much? I would love to but I cant afford it. Do you have any tips ?

Hi anon! I actually have a list full of pointers!!

First of all, in the long run, I think the fact that I’m able to travel like I do, comes down to the fact that my motivation is Europe. I HAVE to go. There’s something inside of me that can’t stay here and keep seeing the same stuff over and over again. Europe looks NOTHING like the states, and the culture is what I absolutely love. So I think I just have an insane amount of motivation. As a result of that motivation, I feel as if I’ve made some fairly smart choices in order to continue saving like I do.

Second of all, there are two ways to go about being able to afford traveling. There are ways to save in order to be able to travel, and there are ways to save while you’re traveling.

In terms of what to do to prepare, here’s what I have done:

Join a credit union. Not only do they give you insanely low interest rates when your credit might not be the best, but they give you great deals on houses (when the time comes), cars, and personal loans. I joined mine when I was 18 and will be a lifetime member.

Build your credit. If you have a vehicle that you don’t make payments on, but know the one you have is going to take a dump soon, this is super important. I built my credit for about 8 months before I purchased my car. I got a credit card through my credit union and just put all of my purchases on that instead of using my debit card or cash. However, do not do so if you think that having a credit card means you can spend whatever you want. That money has to get paid off somehow, and as long as you’re smart about it, you can pay it off every month and never pay any interest, thus, building your credit.

Don’t buy a brand new car. This is a terrible idea altogether. The car loses value the second you drive it off the lot. Most people will sign the papers in a heartbeat, except they just signed for a $28,000 car with a 20% interest rate. If you’re smart about it and purchase a good vehicle for a good price, your monthly payments could be as low as $100 a month.

Try to find a job that’s willing to pay you above minimum wage, even if it’s only 25 cents more; or find a job that will eventually give you raise, such as an annual. My job is basically the reason I am able to afford what I do. I serve tables in California, which is not one of the states that is allowed to pay servers as low as $2.00 an hour. California requires tipped positions to be paid at least minimum wage. So I make $10.50 an hour plus my tips, which averages me out to about $18.00-$19.00 an hour. My job also does annual raises and Christmas bonuses, which help a lot. As much as serving tables kind of sucks sometimes, the money is fantastic, and I highly suggest it for anyone in college trying to save money to travel.

Don’t have your savings account linked to your checking account. Banks couldn’t have made things any easier to not save money. Having the two linked if you’re not the best with money, is an awful idea. When I made the decision to travel, I wanted to spend as little as possible, but it was hard when all I had to do was transfer something from my savings to my checking when I needed more money. I opened up a savings account with a completely different bank. The only way I can take money out, is to go in and take it out, and then I would have to drive another 15 minutes to my other bank just to put it in. You’re more likely to save money when you make things difficult for yourself to actually spend money.

Have an emergency savings account. Life happens, and sometimes you’re short on money, but your car breaks down. Even if you have to only put $5.00 away every month, it all adds up. Make it a completely separate account from everything else, and pretend the money doesn’t exist.

Get yourself a flyer miles credit card. I only suggest doing this once you’ve had a normal rewards credit card and are comfortable opening another credit account. But boy, does it come in handy! I now use my credit card from my credit union as my emergency card. I hardly use it anymore. I put any and all purchases I make on my miles card. If you’re planning on traveling all over, I suggest a Discover It miles card, or a Capital One Venture card. Discover gives you a mile and a half for each dollar you spend, and Capital One gives you two miles for each dollar you spend. Neither limit you to just one airline, like an Alaskan miles card would, as an example. I will be using my miles to buy my ticket to Alaska this summer, and won’t pay hardly anything out of pocket. I racked up the miles with my every day purchases like groceries, eating out here and there, and gas.

Try to put away a set amount into savings each month, or every pay period. This is not something I particularly do, just because living off of tips isn’t always predictable. I pretty much just look at what I made for the week, divide everything up according to which bills need to be paid, and put the rest in savings. But for some people, doing a set amount can help a lot. Most employers that do direct deposit, will do it for several accounts, so you can even have a set amount from each paycheck go straight into your savings.

In terms of how to save while you travel, here’s what I have found:

Find a cheap airline. Sometimes I feel like this is just a given, but some people will legitimately spend thousands of dollars on an international ticket. I have found that the cheapest airline flying to Europe during most times of the year, is Norwegian Air. Every now and then you can find a cheaper ticket through Virgin Airways. Here’s why I would still pay a little extra for Norwegian. These planes are absolutely enormous because the flights are so long. The sucker is called the Dream Liner for a reason. I have so much leg room, I feel like I’m in first class. Their meals are actual meals served hot, whereas most airlines serve sandwiches, or hot food that looks more like plastic. For not much extra, you can get a ticket one step up that includes meals, choosing your seats, and includes your bags. I like Norwegian because they fly straight from California to Europe. The curvature of the earth matters, and each time you touch down and take off, you add more flight time. I always fly to Poland as my destination, so I stop in Norway, and then go to Poland. It’s a LONG flight if you go from the west coast, but it’s worth it.

Fly during the fall and winter, and avoid holidays. Sometimes this is inevitable. But if your schedule is pretty open, fly during the ‘off’ season. Prices tend to go down in price to most places around the end of September, shoot up for Thanksgiving week, then go back down until the week of Christmas. During Christmas, they shoot back up, but as soon as New Year’s is over, they go back down. Prices don’t usually go back up in price until about May. Summer is when everyone wants to do their traveling, thus tickets are most expensive so airlines can make money. But for example, I flew to Iceland round trip from California in the middle of January for less than $400. No one wants to go to Iceland in the dead of winter, so prices are cheaper. You could pay around $1,000 just to go to the same place, but during the summer. Prices to the rest of Europe work the same way.

Use public transportation. I always travel with my best friend, Emily. We both refuse to use taxi’s because that’s how men figure out where you’re staying, and that’s like, asking to get abducted. Emily is fantastic with directions and public transportation, so she’s always in charge of that. Just about any city you go to will have public transportation, because Europe thinks about the important things. Tickets to use the buses, trams, or trains are almost always super cheap. All of the major cities I’ve been to - Prague, Budapest, London, Salzburg, Zagreb - all have great systems and good prices. Sometimes you can buy a bulk amount of tickets all at once, instead of buying individual tickets each time you go from one place to the next. It’s cheaper to buy in bulk, so if they offer it, use it.

Stay in Airbnb’s, not hostels or hotels. Hotels are pointless because you can’t cook. Wasted money eating out all three meals right there. Hostels are pointless unless you plan to travel with a large group, otherwise you usually have to share amenities, and not all of them have kitchens. Airbnb’s are super cheap for just about any city or town. They are fully furnished apartments or houses, so you can cook. Not to mention, some of them are so cute and I want to cry when I sometimes find the cutest one for a good price.

If you’re planning on traveling within several countries close to each other geographically, don’t fly. Once you’re in Europe, flying from place to place is super cheap. But if you’re visiting small countries that are all close to each other, look into a rail pass. Emily and I bought two first class passes for just under $1,000. They got us from Czech to Austria, to Hungary, then to Croatia. We bought them through Eurail and it was a great deal. We could hop on any train in each country as long as it was within the countries on our itinerary, and got us from one country to the next when it was time to move on. It ended up being cheaper to do it by train than to fly from place to place. Plus, you get to see the backcountry of everything, and it’s so worth it.

Make friends as you go. Meet people. Get to know the culture. Make friends. Most European cultures are all super welcoming. The more people you meet and stay in contact with during your time at home, the more likely you are to have either a cheap, or free place to stay the next time you go back. I could basically go anywhere in Poland at this point and not have to pay for a place to stay anywhere.

Avoid using cash. Economies are constantly changing. Currencies gain and lose value overnight. Take cash with you, and exchange a little just so that you can come back with some of it. I love to collect all the different currencies. But for the most part, avoid exchanging cash. It loses value, because places gain commission off of it, even if their windows say 0% commission. Research exchange rates of each place you’re going to just in case you need to exchange. All exchanges places have different rates, find the best one. If you plan to use cash for everything, withdraw it from an ATM. Try to stick to ones that are inside of banks, because you’re much less likely to use one that has a scanner in order to steal your information. But all in all, use a credit card. Debit cards aren’t safe to use internationally. If for some reason your information gets stolen, the second the money is used by someone else from your account, your bank likely won’t be able to get the money back. Credit cards are great because if your information gets stolen, the company or credit union is almost always able to fix the problem and you won’t owe the money someone else spent.

This is all I can think of as of right now, and I think I pretty much included everything. Feel free to ask more questions if you need to, and I can give you answers if I have them! Traveling is actually so cheap if you go about it in the right ways. Good luck!!

#im ready to go back now

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misstinapie · 8 years ago

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T&J Travels #7: Singapore 2016 (Part 1)

+ Cancelled Flight! +

Typhoon Nina was supposed to arrive exactly over the weekend (eve and Christmas) but took it's time and decided to do it on a Monday, which was the day of our flight. We only learnt that morning that our flight was already cancelled (haven't checked but it looks like they already announced it hours prior) and we were scrambling on what to do. Here are the problems:

The site of CebPac does not allow any rebooking. It is allowed but it looks like the only way is to call their hotline.

Hotline would automatically drop around the 14-minute mark.

CebPac doesn't answer to my pms.

I contacted both Agoda and Strand Hotel and was able to get a much definite answer from the latter in which they could only accommodate us for movement of dates but only within the year (it's Dec 26 already).

Both Reagan and I were attempting to reach them but to no avail. I was even switching to landline and mobile just to increase my chances of getting in queue. Later on the repetitive dialing bored the hell out of me that 5 hrs later just as my eyes were shutting on it's own, a non-automated voice spoke for the first time I remembered saying my thank yous even before she has done anything yet.

Flight the next day is already full and the day after that is simply non-negotiable because the flight back to Manila would coincide with New Year's Eve and we wouldn't like our families to celebrate on their own. So on another Christmas miracle, they have one flight left for two (!!!) around 8 PM. Yes the arrival would be really late, but learning that the trip back would be pushed from 10 AM to 7 PM, it has become a really sweet deal. Plus, that is enough time for Reagan to travel from Las Pinas to Boni, and both of us to the airport.

+ Changi Airport +

Maybe because of the carpet, but first impression was it looked like a casino. We didn't have any problems in finding our way out, maybe because there are less people around this time (midnight). I also find it much more compressed than HK's. Prerequisites of our arrival are as follows:

Get EZLINK (MRT/Bus cards) - 12SGD each-- 5SGD for a non refundable deposit and 7SGD as initial load.

Get a Singlet Wifi device - Fail! We were supposed to get a wifi device but we found out that since it's a holiday we cannot do a walk-in anymore. Since the line is getting longer by the minute we got a super expensive sim 38SGD. Later on we found out we were somehow "duped" being amateurs.

It wasn't planned but we went to a currency exchange counter after hearing them (cashier and some customers) speak in Filipino. From there we learnt that there's a 15SGD option for the same sim, enough for our stay for 4 days. We were asked the same question back at the counter but unfortunately we were still given a much more expensive sim :-(.

We got the idea of getting a coach from the other cashier at the sim counter when we went back to try and return our sim and get a cheaper one. We were directed at the only transportation option left that is much more cheaper than a taxi: coach (9SGD per person, pay with Mastercard / Visa only) instead.

+ Strand Hotel +

Luckily they kept our reservation and was able to check in flawlessly. We were given a spacious room (I liked that Reagan is with me in getting a decent hotel) and bath. They even have a tub! Almost everything we needed is here, except for more outlets (we only got one but that is easy to correct) and a hair dryer. They offer it for a deposit of 20SGD, in which you can either keep the dryer or refund your cash.

There are so many ideals in this hotel! The location alone has so much to offer:

The hotel is in the list of the airport coach so we would have no issues in getting one no matter how late we arrive.

We are on the same block with a bus stop

We are also at a walking distance with Bras Basah MRT and in the near future, a new train station right in front of it as well.

For 24/7 convenience, 7/11 is right in front of it.

You would never go hungry because restaurants/coffee shops abound within the vicinity, Starbucks, Din Tai Fung and Food Republic to name a few.

Near SMU so on Christmas break so there's not much people around.

Near National Museum and other places of interest.

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oogleboogleoogle · 7 years ago

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Oh man I have so many stories from my faux-retail job:

- Our lobby closes at 4 PM. Our lobby has ALWAYS closed at 4 PM. This is not something that we changed any time recently. We still have long-time members come in at 3:59 and joke about making it last-minute. Then, of course, MORE members will come in because so-and-so was in there, too, so they figured they’d come in and get their stuff done instead of going through the open drive-up. People will walk up to the already locked door after 4:00 and yank on it and then stand there looking offended and confused until they see the sign that has literally always been out there stating that the lobby closes at 4:00, then get back in their car and screech around to the drive-up window and act like we purposely locked the doors just to ruin their day. There have been many new and non-members that do it too. Particularly bad were a couple who had already been told that the lobby closed at 4:00 and if they wanted to return with paperwork for the loan they were trying to get then they needed to come in before then; who then came at 4:18 PM and tried to open the door and then stood there BANGING on the glass window and gesturing at us, then barged in through the door when I unlocked it to try to tell them to go around to the window. They were all “we know you’re locked up but we wanted to get this done today!!!!!” All they did was hand me some paperwork for me to copy and then leave. I was furious. (They were also vague about what the loan was for and it turned out they were getting an expensive puppy from a notoriously awful pet store that gets their dogs from puppy mills. I wanted to die.)

- Phones are becoming such a problem. My coworker put up signs with just a cell phone crossed out and I told her at the time that they were too vague and people would ignore them but she didn’t think so. She was wrong. I had a lady literally hold her finger up and hush me when I greeted her as she drove up to the window with her phone to her ear. I wanted to climb through the bulletproof glass, rip the phone from her hand, and smash it in the driveway. People will answer their phones in the middle of a transaction and ignore me when I ask important questions (do you want that in checking or savings, is this for a loan payment, how would you like that applied, this check hasn’t been endorsed properly, how would you like your cash back, etc) then after I’ve had to complete the transaction without their direction they say they didn’t want it done that way. Well, gee, Sharon, maybe if you’d GET OFF YOUR FUCKING PHONE, we could have done it right the first time.

- That one lady that let her grandson take one of the toys because he screamed when she told him to put it back, claimed she’d bring it back later when she could get it away from him, then never did.

- People who hand me cash or checks and tell me what they want to do with it and then just stand there and stare. There’s a deposit slip right in front of you. Use it. It’s there for both you and me - if I do something wrong, there is a record. If YOU do something wrong, there is a record. You’re literally setting yourself up if you don’t use it. (Not that people can figure out how to write them out properly anyway - it’s apparently rocket science to fill out a deposit slip that basically lays it out for you.)

- When my coworker and I are both standing at the counter and one of us is clearly busy, people still go to the busy one. I’ll be standing there staring at them and greeting them and they’ll still go over to her, even though she usually has loan paperwork spread across her station and is very clearly doing something. She just awkwardly tells them to go to me and I internally facepalm. Oddly, the opposite happens when I’m on break. I sit in a corner behind a little wall but I can still see the teller area fairly well and people will walk in, see my coworker at her station, and still go to my empty station and start filling out their deposit slips. Sometimes they’ll move over to her, but most of the time she ends up going and grabbing their stuff, doing the transaction on her computer, and then going back to my station to give them their receipt. Like ??? okay. People.

- One time a couple were both at my station making transactions and the guy just turns around, watches a person make a turn out on the street through the window, points and angrily follows the car’s movements while saying very loudly, “THAT WAS AN ILLEGAL U-TURN, I SAW THAT. I SAW YOU, MISTER.” What’s worse is that it wasn’t and people turn there 100 times a day, it’s just an awkward turn... But totally legal. It was weird.

- Personal hygiene, folks. Please. Sometimes we have to open all three windows in the lobby regardless of the weather outside because some folks smell like they just bathed in a lake of B.O. and cigarette smoke and leave a lingering haze after they’re gone.

- The people who come in and jokingly say, “give me all of your money!” Har dee har har har, I haven’t heard that one 12164165 times in the 8-1/2 months I’ve been here... Add to it the people who say, “you’re going to give me $10,000 for free, right?! Ha! Ha!”

- The people who call to have us transfer money or make a VISA payment for them but rattle it off so fast that I have literally no idea what words just came out of their mouth. Not to mention the assumption that we’re just standing next to the phone with a pen and paper in hand waiting anxiously for them to call and aren’t trying to multi-task because they totally didn’t just call while we were in the middle of something else equally as important as the transfer they could have done online. (Also in that vein, the people who call to ask what their account balance is when we have a home banking website. Or who ask if we can send them a copy of their statement (like once a fucking week) for free “because I don’t want to print it off of my email!” So we started charging $5 a page to get them to stop. They still don’t.)

- “There’s a transaction pending in my account that I don’t want to go through, can you block it?” “Sorry, it’s already pending so we can’t.” “But this company is STEALING my MONEY. I need it blocked!” “The transaction is already in the process, there is literally no way we can stop it now. Have you perhaps tried talking to the company at any point to get them to stop these recurring payments?” “No, I signed up for their service and don’t want to pay for it anymore. I just want you to block it. I don’t want to talk to them anymore.” *facepalm* “You need to talk to them and cancel their service because it’ll be a $35.00 stop payment fee from us and there’s still no guarantee that we can stop the payment every time.” “Okay, I guess I’ll call them...” Repeat every month ad infinitum.

- Also: “There’s a charge in my account that I don’t know what it is!!! Can you tell me!!! Can you return it?!?! I didn’t authorize this!!!” “Okay it came from [insert company name/check number/etc here], that’s all I can tell you. You might try calling the company and telling them what happened and see if they can reverse it. We can’t reverse the charge because we didn’t initiate it.” “Okay I’ll call them right now!!!” *Five minutes later they call back* “Hey about that charge... I forgot I made a payment/bought that item last week and it just went through yesterday... ha ha.” EVERY TIME. E V E R Y TIME.

- People who get weird about policies that have been in place since forever. No, Sharon, I can’t waive the 5-day hold on your $10,000 suspiciously ambiguous “insurance” check and let you walk off with the money scot-free. You want to talk to the boss? Sure, I will have the CEO come out and personally tell you the exact same thing I just told you. She loves taking time out of her CEO duties to tell you we can’t bend federal policy just because you think you deserve special treatment because you want to buy a car with the money tonight. Go to Wal-mart and pay their 3% fee or accept the hold like everybody else.

- One time I had a lady get shaking-mad over a $5 cashier check fee when she wanted to take a fairly small (for us) amount of money out as a check instead of cash. She threw a fit and acted like I was holding a gun to her head and forcing her to take cash because she wasn’t about to pay a standard fee that every financial institution charges. She then called two months later to raise another fit about it and threaten to take her savings elsewhere. She had over $40,000 in her savings and we know she has other savings accounts with other banks on top of it. But that $5 charge to cover the cost of the cashier check made her see red. When I told my boss, she was like, “good, let her leave. Members like that don’t bring in any money for us so I’d even cut the check myself!” (We’re not profit driven but fees and loans keep us open - a simple savings account actually costs us money. Keep this in mind when your credit union charges you for services that take time and resources to complete.)

I could probably write a novel on the weird and obnoxious experiences I’ve had in the short amount of time I’ve spent working in a credit union, which is basically a glorified retail job, but it’s 2:38 AM and I should stop.

#retail #glorified retail #long post

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topicprinter · 5 years ago

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I’ll go more into detail, but long story short my business partner owes me about $630 and is being shady about paying me back. This former colleague and friend of mine used to work together at a print shop. We hated the management there and felt like we weren’t treated fairly. We decided to start a print company together because we’re good at screen printing and we’re both very artistic. I’m a graphic designer too so it’s easy for me to work that side of things. Anyway, my vision (what I thought was our vision) was to be more of a boutiqu operation and instead of doing a bunch of commercial work (schools, landscaping companies, etc) we wanted to work with the artistic small and local businesses in our area. I am very well connected around here so getting jobs was not hard for me. I recently got a credit card and it allowed for 0% interest for 15 months. We needed some basic equiptment so after doing the math, I could purchase the equipment and we could pay it off with our first few jobs (that were already lined up). In total, I invested about $1100 in the business. Part of which was freelance money that had nothing to do with printing but I ran the job threw the company to help establish revenue and whatnot. We worked with an online invoicing program so most of the jobs were paid digitally by clients except for like 2 that were paid either in cash or by check. I was able to partially pay back my investment with the some of the cash/check money we got which was about $370. Well my partner got let go from her fulltime job and I was currently working freelance parttime on top of managing our print company. I was determined to use the opportunity for both of us to put all our energy into the business. After 5 months or so prior to her losing her job, I felt like I was the only one making an effort to network and get jobs for us which was getting frustrating. So we sat down and ran the numbers because we should’ve had enough in our account to pay me back now. At this point I was owed $730. I look at our invoicing account and was trying to figure out how to withdrawal the money. Well......back way we had our first job (7 jobs ago), she withdrew the payment to purchase merch needed for the job. Probably about half of that income was needed for the merch, the rest...who know where it went. Because she did that in the beginning, it set up the account to direct deposit to her bank account. All the money we made was going into her account as we received it. The whole time. When we both realized fhat while doing the numbers, she said she had no idea that was happening...supposedly she doesn’t check her bank account often. In the moment I was like “If I freak out, that’ll make matters worse. She’ll pay me back and we’ll keep building the business.” This is a person who always verbally worries about not having enough money and how her bills are so expensive and she just lost her main source of income.. I told her that I wouldn’t be using my credit card anymore the business. After a month she didn’t find another job yet and was being pretty picky about jobs. I stopped doing anything for the business because I ended up getting a great job with great pay and benefits that I was really passionate about. Overall, she got to a point where she didn’t care what jobs we did because she needed to pay rent. That’s not my problem though and the business was never supposed to be a main source of income, but instead a cool way for us to print our own stuff and that of our small business friends while making some extra money..a side-gig. Two months later she finally gets two parttime jobs, cool fine. She owes me $730. She said she can only afford to pay me $100 a month until it’s all paid. I’m a reasonable sympathetic person so I agree. She paid me $100 for the month of March and that’s it. A few weeks ago, I text her about it and she says that she had to go to the hospital recently and now she has a huge hospital bill to pay but that she might get some print jobs and she’ll use the money to pay me back..... Sounds like BS and an empty promise. It’s weird that she didn’t tell me upfront about it and at this point I’m tired of being taken advantage of and paying me back basically isn’t a priority for her. She’s off on a trip in Vegas visiting family right now. I’m annoyed and I don’t know how to get her to pay me back. Her boyfriend makes more money than I do but it feels unethical to confront him about the problem. Any advice is appreciated. Also I’m 26, don’t know a ton about business. I learned alot so please none of the “You’re naiive” BS.TL;DR - Former friend/business partner had unknowingly set our income to direct deposit into her bank account. I invested $1100 and there was $730 that I was still owed. 5 months later we found out that was happening and she had been spending the money without realizing it and couldn’t pay me back right away because she lost her job. Now has job and keeps putting it off beside paying back $100. Still owed $630...halp.

#/r/smallbusiness #reddit

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fadingpersoncollectorstuff-blog · 6 years ago

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Cheapest car insurance please?

"Cheapest car insurance please?

hey i hope some1 can help me out. i am 22 years. i recently passed my driving test, on the 21/07/2009. i also bought a car honda civic. 1.4l i am looking for the cheapest car insurance possible. because i am full time student. and work part time. i wouldnt be able to afford paying 2000 annually. please if some1 knows where to get cheap car insurance for new drivers, would be very appreciated cheers

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

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If i have a policy for my motorcycle and a policy for my car, (both policies are form the same insurance provider) and over the summer i decide to drop the policy for my car, only to activate it again in the fall, will that be considered a lapse in coverage? Will my rates be higher because of this action when i reinstate the policy in the fall?""

Car insurance question....?

A stray dog ran out in front of my car causing me some damage. My insurance adjuster writes his own estimate so he told me what the insurance would pay minus my deductible. He said the check would be sent to me, that I can have anyone I want to fix it and to shop around. Does that mean if I can find someone to do it for less I can keep the extra to help me toward my deductible????? even though I need to tell them who is doing it before the check is sent to me. (the check will have both names on it) My friend says if I can get it done for less that agreement is between me and who I chose so any extra is mine?????? I don't want to do anything wrong but I also don't want to give money away that I don't have to.""

Whats the cheapest price for apartment insurance?

I just started renting for $500 a mo. after lease sighned and im all moved in, they tell me i have2pay another $20 a mo. for insurance on the apartment. can thet make me buy their insurance if i find a better Deal?""

How is mandating health insurance socialism? Why is no one rioting about car insurance?

Healthcare is still run by the private sector. Just more people will be able to get it. How is ensuring everyone has insurance socialized medicine? Healthcare is run by the private sector either way.

Looking for health Insurance?

I'm looking for affordable health insurance with good coverage and options for doctors. A PPO is okay but I'm looking for quality AND affordability. Dental and vision would be a great plus. Can anybody out there help me!?! http:// pilih .cn /health-insurance.html

Where can I get homeowners insurance with bad credit?

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11.30pm last night pulled over said no insurance.Did not have insurance document in the car,just the license.Because of the time they seized the car because they could not phone the insurance company.Told them only way i can get proof is bank statement as i was 20 miles from home,but that was still not good enough.I have paid insurance by direct debit for the last 2 years and no problems.so i am well cheesed off this has happened. Have produced the lenience at local station,and shown them documents,they phoned the insurance company and have now give released papers to pick up the car.I am very unhappy with this whole situation and now out of pocket. Is there anyway of claiming the costs from police or insurance company,whoever it is to blame,as there is no way i can be liable for something i am paying for,and to pay 30in taxi fares another 20 to get to the car compound and another 170 to release the car.There must be a way i claim this money back as i feel i am in the right.plus have to fight the 200 fine and 6points also totally unfair and messed up situation this is. I just can't except the inconvenience and the costs that i have to pay when i am legit on the road.surely i can claim if anyone knows""

Insurance cost for first time driver.?

I'm 18, a guy, and I live in New Haven, CT. I'm in the process of getting my license and I'm looking to get 1994 passat as my first car and I'm wondering if anyone has any ideas about what insurance is going to run me either going solo or adding to my parents coverage.""

Car insurance question?

So I was in a car accident recently, pretty minor, but the damage to my car exceed the value of my car by A LOT Damage total $2500. Car 91 integra, not worth 2500 anymore. The damage to the front end is a lot of cosmetic, but there is also frame damage, ac compressor broken, head lamp broken, and bald spots on the tires from me breaking so fast. First question in an accident were the at party person assumes responsibility of the car and both parties decide to not go through insurance both parties have to come to an agreeable amount right? Seems right, right. Second- If the party not at fault is not happy with the agreed amount and decided to go through insurance instead, but the damage exceeds the value of the victims car, is the responsible parties insurance going to pay out the amount of the damage done, I got 4 estimates or it the insurance going to pay only the value of the car and salvage my title? Second, can the responsible party pay out the amount that is agreed upon and then expect to get the victims (my) car in return? Or is his considered extortion? Cause there is no f-in way I the person who is not responsible for the accident can find a reliable car for 1500 bucks, but could part out, or retire my car, sell my car and get more plus the 1500 she agreed upon. I am afraid that if insurance is involved they are going to total my car out thus costy me hundreds more, then it will be worth nothing and I would not be able to retire it and get money from that or even sell it. Lastly, this person has no right to ask me for my car right, she caused the accident and is responsible for paying for that damage that she cause one way or another. Please help me figure this out.""

What is cheap car insurance for a new driver?

I am a new driver and I need insurance for a Jeep Grand Cherokee 2000. I am a student and I need cheap insurance

Would my insurance rate go up on a car with more features?

I'm buying a car today and I already have the insuance and can leave with the car today once I give a down payment. However, the car dealer and I were speaking on the phone and he told me he can give me the same car and year but with more features like a Nav Panel on the dashboard and bluetooth and a couple of other smaller details like USB ports. Now my question would be, with these new features that don't exactly change much from the car I was originally getting, would this make my insurance go up?""

Being stopped by police for no car insurance?

I was pulled over by the police today for having no insurance, I did have fully comp on another car (which I have no sold) but was advised by the insurance that I can drive ther cars (but was not told that had to belong to someone else) I am now being charged with no insurance and I have had a clean licence for over 10 years. Is there anything I can do or will I just put this down to experience""

How to fine best insurance companies ?

Where can I get liability insurance for my dog?

I'm working at a pet boutique and I can bring my dog to work -- but my boss is asking that I should get liability insurance for him. He's a mini labradoodle. I already have him covered in my renters insurance - but I don't think that it will cover him for work. Where can I get one??

What company offer auto insurance for illegal ?

Do you know what company offer auto insurance for illegal ? I email for some company but they answer me that I need a valid license.

Cheap car insurance for young new driver?

hi, I`m 19 years old, i passed my test two months ago and i would like some help. I tried lots of insurance companies, different cars, last time i tried i used a 2002 smart for two with my dad as a first driver, 4 years ncb and the insurance is still 4k. can someone help me and give me some advice ? thank you""

How/where can i get liability insurance as a massage therapist?

i am..well, was licensed (let my license expire because i'm moving out of state) in south carolina. i am moving to alabama and it seems like everything they require to be licensed is pretty much the same except i have to show proof of liability insurance before i can apply for the license. do i just call the same people i have my car insurance with? or can i go thru the NCBTMB or AMTA (whichever one the state of Alabama approves of?). please help.i didn't have to deal with liability insurance with the state of SC so this is new territory to me.""

Why are my home insurance premiums so high?

When we bought our house we were paying 350 a year, we have not had any claims at all and insurance kept going up. so we swiched companies and now paying 720 a year, and when im quoted from every other company its anywhere from 700-1000 a year. our house is only worth 70000, my mom pays 350 a year and her house is worth 250000 with outbuildings. Why are my prices so much higher when i have not had any claims? we are in illinois""

""Should i get health insurance now, or wait for Obamacare?

Also about how much will insurance cost a healthy 19 year old male who exercises regularly and eats well.

Average Teen Car Insurance Prices?

I'm a 16 year old female who is currently just looking around to see how much I can expect to possibly pay when I get my own car. Please don't give me answers like Add yourself to your parents insurance Or Have your parents call their agent ... My parents DON'T drive and I'm NOT burdening anyone else in my family to put me on their insurance plan. I want to be independent and see if I can do it on my own.. So back to the question. On average, how much money could someone in their teens expect to pay for car insurance?""

Do you have to be a licensed insurance agent to do this?

Do you have to be a licensed insurance agent to quote Medicare Supplement rates in Texas? Please cite a source of your information.

Family of 4 looking for affordable health/medical insurance.?

I am looking for insurance for me and my 3 kids. Does anyone have any suggestions as to whom i can go to to find some that won't cost me an arm and a leg. i live in west texas so any suggestions located in this area would be much appreciated.

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Can a person who doesn't have a car Co-sign for my car insurance (Like My Mom)?

How much is motorcycle insurance for a 150cc moped?

I've heard some people say $100 a YEAR. And some $250 a MONTH. Big difference. Who is more correct? And I'm just wanting a rough guess. Not an exact quote. So please no ...show more

Coverage of Car Insurance for an Alien?

I am visiting USA and hold Indian Passport & Driving License. If I drive my son's car there in USA, will I be covered by comprehensive Car Insurance Policy taken by him on his car?""

Cheapest car insurance please?

https://www.linkedin.com/pulse/123-insurance-quote-hannah-pugh/"

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captainalwayslazycollectort-blog · 6 years ago

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Williamsport Tennessee Cheap car insurance quotes zip 38487

"Williamsport Tennessee Cheap car insurance quotes zip 38487

Williamsport Tennessee Cheap car insurance quotes zip 38487

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

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Williamsport Tennessee Cheap car insurance quotes zip 38487

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Williamsport Tennessee Cheap car insurance quotes zip 38487

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Williamsport Tennessee Cheap car insurance quotes zip 38487

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I'm need health insurance my income is very low.. where can i get health insurance at a reasonable price?

Whats the insurance cost for a 17 year old?

Hey, I am 17 and i am wondering what car I should buy, my parents said that I can have any car over 10 years so I was thinking about what the insurance would be on Mercedes-Benz E class, 2.2 diesel 2000reg, please help? Thank you for every answer:D""

Car insurance for age 17?

Well going sound awkward but i want a car without out parents knowing, been working for 2 years got enough money can prove to insurers where i got the money from im 17 and is it possible to get insurance at my address (real address where i auctally live) but i want the paperworks to be sent to another address or they contact me by email because family wants me to get a car when im 25 however im going uni so i really need a car also im not going to any fraud everything will be legit just need to make sure if i can insurance and only i know about it thanks""

Unemployment Insurance for Teenagers?

The business I have worked at for 3 years has just announced they are shutting their doors at the end of the month. I am only 17 but have been told that I am still able to apply for unemployment benefits...which I know next to nothing about. Basically, I've only worked 10-20 hours a week for a wage slightly above minimum. It's just been a part time job for me since I'm a student and involved in several sports and challenging classes. However, I'm still trying to save money for college, so...what do I actually get when I file for unemployment and am hunting for a job? Anything? Sorry if this question sounds ditzy...I don't know much about the workforce.""

""Conservatives, what is your overall opinion on insurance companies?""

Particularly: a.) Insurance companies that practice rescission in which a person who has paid into the insurance fund is subsquently denied what he has paid for because the insurance company comes up with an arbitrary reason for denying the needed coverage. b.) Rationing. How do you feel about insurance companies who decide if a procedure is in their best interest and deny to someone a life-saving procedure because it isn't profitable to them in the long run? c.) Denials. Someone who works and wants health insurance and does not qualify for state aid because he actually works for a living and pulls his own weight, but can't find a job with benefits (increasingly common, and why are employers expected to foot the bill for insurance as they don't pay for your car insurance or renter's insurance and this limits job mobility and the ability to start small businesses), and is either outright denied or charged more than his monthly salary? d.) Do you think that if rent, clothing and food cost as much as monthly premiums for people with pre-existing conditions, that we would be in serious trouble? e.) How do you feel about people who had the misfortune to be born with a genetic pre-disposition to an illness, i.e., breast cancer, ovarian cancer, Crohn's Disease, Lou Gehrig's Disease, MS, Alzheimer's, haemophilia, etc. f.) Do you think that an emergency room qualifies as part of preventive, ongoing treatment or that it's not cost effective for sick people to wait until they are at the worst stage to get necessary treatment? g.) Can you explain how several nations, in fact the overwhelming majority, that have universal health care have still remained free, capitalist, prosperous nations, i.e., Australia, New Zealand, Ireland, Norway, Luxembourg, Malta, Netherlands, Japan, Israel, Singapore, Austria, Switzerland, Belgium, Finland.....they didn't go communist, and the people do not live in gulag states.""

Vehicle Insurance coverage?

Whats the difference between a 'First Party' and 'Third Party' insurance?

A good place 2 get cheap car insurance?

Any advice on Medical Insurance?

My husband's job has an insurance plan that will take $200 out of his paycheck EVERY OTHER WEEK. He makes about $1200.. that is $400 a month which leaves us with $800 a month to survive. We think it's ridiculous.. can anyone give us advice on any other insurance policies? Blue cross blue shield maybe.. or anything... Thanks in advance!

Car and home insurance together...?

I recently purchased a new car and will close on a home in 2 weeks. I am looking for auto and home insurance in NJ. I called Geico today - got a decent quote. But they dont have home insurance in the area. All State gave me a quote for their platinum one and told me they'll give me the other packages in a minute - put me on hold for 25 mins and I hung up (again they dont have home insurance in my area). Anyone has any experience with TWG insurance? My car dealer gave me their info. I searched for reviews in NJ - nothing, They're TX based and have both home and auto...not sure if it is good for NJ. This is my first car and home. Any advise on what to look for esp for my car. What are the grey areas that they can con you? What are the most important points to look for? Any suggestions on good plans in NJ?""

""Car insurance help, i need advise?""

Im 15, hoping to buy a decent car (when i turn 17) that is reasonably cheap to buy and insure, i have around 10,000 budget for the car and 20,000 budget for the insurance, i work on cars so any mechanical problems wont be an issue and i am a very capable driver and certainly not a 'boy racer' i have experience in driving and i just want a nice car that i can keep for a long time that i can pass in and out if london in to my future job (architecture) any car and insurance company suggestions? And remember decent car, 2nd hand.""

Has the law changed with car insurance for additional drivers?

Today I was looking at car insurance quotes & it seems that it costs the same to be an additional driver on somebody Else's car as it is to be a main driver on your own car. I got a quote to be an additional driver on my mothers car she currently pays 850 per year on her car and to get me also insured on her car it will cost 4.700 a year. It will cost me 3,995 a year on my own 1.0l corsa (main driver). My mothers car is a VW polo 1.4. I think the reason for the law change is because of a lot of parents are fronting for their children to make it a lot cheaper which I believe is called fronting.""

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

Which of the following might put you in the high risk insurance category?

a. ticket for drinking in public b. ticket for speeding 80 in 55 mph zone c. ticket for jaywalking d. 2.0 grade point average...(ofcourse not!!)

Urgent care? Do I need insurance?

So I really need to go to urgent care but will they even look at me if I tell them I don't have insurance and don't even have a job...? I would go to the hospital... But like I said... I have no insurance and no job.

Where can i get some health insurance @ a reasonable price?

I'm need health insurance my income is very low.. where can i get health insurance at a reasonable price?

Does anyone know anything about car insurance or adding a car?

So im 18. I have car insurance with my mom and at country financial insurance. I am tryin to add a car that i have on the policy. But am i able to add if im 18 and the only one on the car title? I thought yes since im 18, but need another opinion.""

""How much does tornado insurance cost? (to cover only my house, but not what is inside the house)?""

i have car insurance right now with allstate where i pay 50 $ every month, how much would it be if i add tornado insurance to cover only my house but not what is inside the house? I know you dont know, but i just want you to tell me approximatley how much please.""

Does anyone know where I could get some affordable dental insurance?

I'm on disability and my job doesnt offer benefits.

Should i be mad at my husband or his mother?

my husband gave his entire paycheck to his mother to pay her bills, She had a bunch of vet bills, her other sons (hes 30ish and has a job w/ insurance) medical bills, and a 1000.00 dollar tattoo, but couldnt pay her bills. our house payment was due and now i cant pay it cause he gave her all this money? also he chewed me out cause i started crying when he told me he did this. Help plese what should i do. p.s we have 3 small children that this could have helped out for food and stuff liek that.""

Do they let you take insurance?

hi does insurance companies in US,let you take life term insurance if you have HIV..""

Will my Geico go up after 6 months?

My Geico is only $62.84 monthly. I have the 6 month plan. I had Allstate before switching to Geico last month. I switched because every 6 months Allstate would go up by $25. I could NOT afford it! So I switched to Geico because it was $125 cheaper monthly. Everyone I've talked to said theres hasnt went up after 6 months. I have no criminal record, no tickets, no felonys no nothing, etc. So I was wondering for all you Geico customers, has Geico been good? Has it went up after 6 months? No arrogant answers, please!""

What happens if someone without insurance rear-ends me?

Here's a scenario. If I have a motorcycle with no insurance. Someone hits me at the red light and they don't have insurance. And it cost $25000 in damages. Considering they don't have insurance, it means they are poor. How can I get my money?""

Williamsport Tennessee Cheap car insurance quotes zip 38487

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I would be a first time driver. I am 25 year old. how much is the cost for any car insurance now in the market?

Would i need car insurance?

(Only open to UK) i am a provisional driver using my dad's car. My dad is with me at all times and he has fully comprehensive insurance, i have been told that this then covers me also, is this correct or will i need extra insurance?""

Company not offering insurance?

I've read the policy, forms, etc... Prior I was hired. The company that I work with gas this insurance benifits. I have already reach my 90 days and 3 weeks period. The company is not offering me with medical insurance. Not even an evaluation. But that doesn't matter. My question is, is it illegal in the state of California if the company does not offer/ask you an option to have insurance or not? Please advice.""

What is the average cost of auto insurance for a 21 year old male?

if i could get a price range as well that would be great. i know it changes based on a whole bunch of other things but i would just like to know a general price range and average to budget. thank you

Whats your average price car insurance group 12 and Road Tax?

im planning on getting a car lexus is200 in a few months time and wanted to know how much you guys/girls pay monthly or yearly only on insurance group 12 and on road tax. Im 19, passed a month ago. planning on putting the car in my dads name and me as the driver. Dads a good driver had no past accidents (not sure if you need to know that). Thnxs""

How much is your car insurance if your a male teen?

im looking to get car insurance for my car and i dont know how much it cost i dont want a quote because all they do is send crap in the mail but if your a male teen how much are you paying a month for your car insurance? and what type of car do you have.

Health insurance?

Is it a law that requires each university student to have health insurance?

Auto insurance question?

I am looking into financing a 2007 honda civic coupe ex. It is a 1.8 liter inline 4 motor. Front wheel drive and automatic with almost 68,000 miles on it. In florida, you have to get full coverage until you finish paying off the car. I am 23 with 2 traffic tickets. One for a stop sing violation and another for no proof of insurance. Both tickets were given to me at the same time almost 3 years ago. Thats the only 2 tuckets ive ever had. I live in the country as well because i know that matters for a quote. But with this information, what would be a good estimate on how much full coverage insurance would be on this vehicle? Thanjs in advance.""

How much renters insurance coverage are apartment complexes allowed by law to tell the renter they have to car?

I was told by a apartment complex that I had to have $3,000,000 worth of coverage in my policy. Is this amount allowed by law? I've never heard of such a large policy amount for renter's insurance. BTW, I live in north Texas.""

Car recommendations for a college student?

I'll be getting my first car in the spring of 2012. I'm staying in an apartment near the campus, and I'll have a bike for that. The majority of my driving will be errands around town, and driving the 117 miles back home occasionally to visit family. Low insurance, high gas mileage, and safety are top priorities. I've got about $15,000 to spend on the car. I will have a part time job to pay insurance/gas/etc. So far the only car that appeals to me is the 2010+ Mazda3 because it has a nice exterior, and I love the interior and features compared to other small cars. Gas mileage is decent, but not the best. Also, if I go for the hatchback, will that raise my insurance costs? Do you have any other recommendations? The Mazda3 has the best interior that I've seen so far, that's the basic factor that's keeping me from other cars.""

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""Changed bike on my insurance, new letter says premium : -63.40?""

Hi, i change the motorbike on my insurance, i changed it from a 125 cc ybr to a 660cc mto3!! and well they told me it would not cost anything to change the insurance! how good is ...show more""

How do you find out if someone that hit you has insurance?

the insurance information i was given after someone hit my car turned out to be fake. my insurance company called his company but was told that the policy # does not exist. so is there a way i can find out through DMV or somewhere his true insurance information? if i can't find it, would this qualify as uninsured since i have uninsured drivers coverage? it would waive my deductible and it would pay for the injuries i suffered in the accident but only if he really is uninsured.""

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Last month my boyfriend and I were driving and someone rear ended my car. I am insured under Mercury insurance and the car is owned under my moms name. My bf has his own insurance but not for my car. We were not at fault but I'm nervous about filing a claim with the insurance company cause he is not under my insurance and was driving my car.. A police report was filed.. But what will happen if I file a claim with Mercury insurance? Will I get charged or fined for letting someone that wasn't on my insurance drive my car? Or can I not file a claim to the other company cause he isn't insured under the car that was damaged ? and if I ask my representative from Mercury what will happen will she report me even if I don't file a claim for letting someone who isn't under our insurance drive the car?

How much damage will the other drivers insurance have to pay?

My son was involved in a collision this morning. The driver of the other vehicle pulled out right in front of him and he rear-ended them. The driver of the other vehicle was cited for failure to yield and the state trooper that handled the accident said that the collision was unavoidable on my sons part. The question concerning me is that my son did not pay anything for the car he was driving because it was given to him by my daughter. The car has a salvage title because it had apparently been totalled before but had been restored. The car probably would not be worth very much even had it never been in an accident because it is a 1986 year model Pontiac 6000. Now he is without transportation unless I provide it. Will they only be required to pay a salvage price for damages or what?

Im Looking for cheap auto insurance in NJ?

Any suggestions? Anything except Cure,Esurance,Metlife and travelers. been there done that. Cure is just awful and unprofessional!""

3rd party comprehensive car insurance in bangalore?

I've a 1997 model maruti 800, just purchased from a seller, i got only the RC book, no insurance paid soo far, where do i make the insurance for this model car ? and what type of insurance is beneficial? am willing to sell the car after 10 months..? I called ICICILombard.. they refused as it is an old car. ???? Is there any logical reason behind an old car being refused for insurance??? what documents do i need to take care while insuring.. ???""

Question about car insurance?

ok so im wondering if i get a car will worth 5000 will the insurance be the same on all cars worth 5000 like a mustang worth 5 k or a civic worth 5 k is the insurance the same on them?

Low- cost insurance for my 2 year old???

Is it possible to get insurance for my 2 year old at a low rate WITHOUT insuring myself or my husband? We tried getting on our state's medicaid program (which was originally started for people who couldn't get health insurance through their jobs but left that behind long ago!) but of course my husband and I make too much money. Every insurance quote we've been given has been astronomical and we'd have to insure one or both of ourselves to get insurance on the baby. What can I do??? We've also both asked our employers to look into health insurance for their employees and it's still just too expensive!

Can anyone tell me how good this insurance is?

I recently got Reliance Standard insurance..can anyone help me figure out the copay? I went to the website and can't figure it out..

""I am in the militarty and moved to another state, can I have my car insurance from my home state?

I am a resident of and my vehicle is registered in South Carolina and I am stationed in California. California's insurance is way higher than SCs. I would like to carry insurance from SC on my vehicle.

On average how much would monthly insurance be on a 2012 rolls royce ghost?

Whish insurance compay should i go to (auto)?

i just bought a 2000 Toyota camry Ve last night and i have never had any insurance before because i havent need it , i am 23 years old and i am looking for insurance some people told me go to Gieco has good prices""

Does my insurance change when I change my license from one state to another? totally confused!?

I want to change from a Delaware license to a Maryland drivers License. I am on my moms insurance and I pay her every year for keeping me on. This is very confusing. After changing from DE to MD license do I notify the insurance company? Can my rates change? Can I still drive the car registered under her name? Please, any info you can provide is helpful! ! I am doing this to get in state tuition for college""

Is progressive auto insurance reliable?

I just bought a 2009 Honda Civic EX. I've checked various quotes online based on my info, and they range near the $2000 (sometimes, just a 6 month policy). I just checked progressive, and it estimated a quote near the $1380 a year, that is $689.90 (6 month policy). It's a BIG difference, that's why I want to know what I'm getting into, any inputs???""

Any recommendations for student health coverage?

I am a sophomore in college, living on my own, and I barely have enough money to get by at the moment. When I get a roommate though, I want to start up health coverage because I know it is very important. Does anyone know of any health insurance companies in California that either offer a health plan for students, or know of something that would be adequate coverage for someone my age in their early 20's? Thanks so much for any help you can give me!""

What are some cheap Car Insurance Companies for Full Coverage in Texas?

Lookin for some cheap Auto Insurance Companies in Texas for Full Coverage.Any ideas?

Pregnant and no insurance?

hi, i have a friend who is about 3 months pregnant now and she has no health insurance. she is currently working but the employer does not provide benefits of any sort. she does not make that much an hour i think minimum wage and she is working part time. so she is without health insurance for her and the baby. she knows that she can probably get approve by medicaid to cover the pregnancy expenses but her mother is over age 65 and retired and she is currently on medicaid. and she know that if she were to find another job the insurance""

How to look for insurance?

I need to find health and medical insurance... im online looking at quotes but i have no idea what its saying???? can anyone help????

Car insurance question?

So i just cancelled my policy with a company i was having trouble with (it cost 492) so i am broke now, and i cant really afford another policy as im returning to college next week. However, i can afford a policy under my mums name, but is it possible to go under my mums name when the car is registered to me? Also, does anybody know any good/cheap insurance companies?""

Car insurance policy and rates question?

My girlfriend is on my car insurance policy. Recently she got in an accident and now I believe our car insurance rates will be raised. Can I drop her off my car insurance policy and have her transfer her car in my name that way both cars can be insured in my name. If I do this can she still drive her car?

How much is car insurance?

I know it depends on a lot of things, but whenever I mention me getting my license, they have the same excuse over and over...So what's an idealistic amount for a young teen 17 w/ 3.0+gpa and a sports car be? In california.""

Cheapest car insurance companys for 21year old with kids?

Some where that takes into account my situation rather than age. Ta

""My car insurance company sent me forms to fill out, after an accident. Do I need to do it?""

The police report states that I am not at fault. The passenger in my was badly hurt. My insurer wants me/my passenger to fill out a medical release/history form. I see no benefit in doing so. If the other driver does not have insurance, and we are not yet sure that they do, my insurer would pay my claim/my passengers claim under my uninsured coverage. If they have my passenger's medical history, they could try to find reasons to limit how much to pay out. They also want me to fill out a Report of Traffic Accident form. I have given a statement to the police, who said I'm not at fault. The other driver was cited, and I have also given an oral/recorded statement to my insurer. I don't' see the need to fill out an accident form. It just seems that my insurer is trying to cover their on *** in case my uninsured coverage kicks in. What if I don't fill these form out?""

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Sumner Washington Cheap car insurance quotes zip 98352

"Sumner Washington Cheap car insurance quotes zip 98352

Sumner Washington Cheap car insurance quotes zip 98352

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I am moving to California on a J1 visa do I need to get a californian driving licence?

Hey, Im moving to Los Angeles for a year this month on a J1 visa. I need a car for the internship I am doing. I was wondering would I need to get a californian driving licence. I checked the dmv website and it says that If I am becoming a residnent I would need to get one. A resident is considered someone voting in an election or paying homeowners tax which I won't be. I just need it set clear whether or not If I need a california licence to drive or will my British one be ok? Also will insurance companies insure me on a foreign licence.""

""Im 16 and i want to get a R6, i want to know how much it would cost for insurance?""

I live in the U.S, Florida and i am taking the MSF course.""

Insurance rebate?

If you cancel your car insurance, do you get a rebate as you do with road tax?""

Cheap home insurance?

Where can i obtain cheap home insurance?

How much will my insurance go up approximately after I totaled my car?

How much is Property Insurance? How much is Property Taxes?

Doing a paper for School Whats the average amount of property tax, for a statelike california? Say Los Angeles Is there an average on property insurance?""

How much could my car insurance increase if I pay a 90.00 fine that included 1 point on my record?

I have a clean driving record so would it be worth paying the ticket and watching my insurance go up a few bucks? I can't imagine my insurance going up too much for a single point, but maybe I am totally wrong. Any advice on this matter would be much appreciated.""

How Much Will My Car Insurance be?

I am a 16 year old boy, the type of Car Im look at is probably a 1999 Toyota Four Runner for about $3000-$4000. I got my liscence about a week ago and now I just need to get to a 3.0 GPA so that my insurance will go down. Can anyone tell me and estimate of how much money I'm looking at paying monthly for insurance with and without the 3.0 GPA? Thank You""

How much does a semi truck insurance cost?

Hi I'm thinking to have a truck. I want to know about the costs. Please, help me. I want to know about cost of a semi truck like insurance and ... How much does a truck driver pay for insurance. Thank you""

Do I need rental car insurance?

I'm going to be renting/leasing a car from Avis for around 6 months while traveling for work. Will my current auto insurance be enough or should I take out a separate policy on the rental car itself? I really can't afford to take the insurance from Avis so I'm trying to find the next best option that will keep me well protected on the road.

How can I see a doctor without insurance?

I really can't afford to go lately and don't see any foreseeable future in which I could afford it. My job doesn't offer insurance. and I really think I ought to speak with a Dr. about dual diagnosis issues

""I'm looking at Mercedes Benz E500 or S500 and BMW 745Li? Which car you think is better? Cost, Insurance etc.?

Mercedes Benz or BMW?

AOPA ( A.O.P.A. ) aka aircraft owners and pilots association versus Avemco. Who has better insurance rate?

Which one of these two entities provides better protection for student and private pilots when it comes to NON OWN AIRCRAFT INSURANCE ?

""In ontario, does a 10-day permit for a car include insurance?

My father-in-law gave us his old car. We need to get it certified. Does the 10-day permit include insurance for the car? How much does the 10 day permit cost?

I am 16 almost 17 and am looking for a car and am wondering what the insurance rats would be on a porsche 944

this would be my second car and its a really nice 1985 Porsche 944 (non-turbo) it has only 67K miles on it and is in excellent shape I am just wondering if my insurance would go up i pay about 130 $ a month on a Pontiac grand am ... would it go up? if so do you know how much?

What's a good insurance company to sign with?

I'm 20 years and pay $800.00 every six months for my insurance. I want to find a better and much cheaper insurance company. Please help me out.

""Can you help me-insurance, cars, and money?""

Okay, I'm planning on buying a car soon. My family is in a very deep hole financially, so I'm going to ask my grandparents to help me, because they are doing fine. I need a car to get to school, get to my current job on time, and have another job (along with 2 AP classes and babysitting!) I never ask them for anything, not that I've ever wanted to, so I'm really scared to ask them for this huge favor. I'm planning on paying them back for every single penny I borrow plus interest. So I want to know an idea of how much money I'm going to need to borrow. Okay, for insurance...I'm planning on buying a toyota yaris, matrix, or camry. Or a honda civic (perferrably hatchback). Or a volkswagon beetle. But right now, anything will do as long as its reliable. For a 16 year old, A average grades, living in KY, about how much would monthly insurance be? For payments, I know about 2000 for down would be good. But how much (about) would interest be on monthly payments? I'm planning on finding a car that is about 7000-8000 dollars. And lastly, how should I ask!? They know I'm mature and responsible, but I don't think they are willing to help me out. I absolutely hate asking for things from people, but I really need help so that I can help my family. So how should I do it? Thank you so much! :) I'll choose best answer!!!""

Do pcv holders get cheaper car insurance?

I want to take a used car home from the dealer but I have no car insurance or insurance card...?

What do I have to do to make this possible? I'm trying to take this used car home for the night and drive it around but I have no insurance card.... I have a license..but no car insurance and all the salesman is asking is for my insurance card. What do I need to do to get around this?

Insurance fraud or what?

i have a question in I believe early 07 someone was driving my car, crashed it, took off n threated me if i said i wasnt driving, so ehh 4000 in damages.. the insuranced paid for it, n i said it was my fault. how long till its off my record and insurance is cheaper?? (sucks there isnt a way to wipe it off.. errrr)""

How to find health insurance for a pregnant mother?

how can i get health insurance if im already pregnant or is there other affordable options available

Is it against the law not to have car insurance in Illinois?

My friend just got her liscense but she doesnt have car insurance. She drives her parents' car, n the car insurance is under their name, not hers. But i also know that they do not hvae enough money at the moment to add her name to their insurance. Is this wrong? if so, how wrong? What would happen to her if she ever got caught?""

Sumner Washington Cheap car insurance quotes zip 98352

What is the best cheap car insurance for a 19 year old?

need cheap good car insurance

Would it be cheaper to insure honda civic or honda accord?

I'm talking about general prices for each of them, I'm thinking accord is cheaper because its cheaper and non sporty and a family sedan can anyone tell me how much they pay for their inusrances?""

Car accident advice California?

Today i was in a car accident and it was not me fault i was sandwiched in between two cars i contacted insurance company of mines and said wait for there insurance to contact you any advice on what steps i should take now

What are your opinions on insurance companies?

hello there.... I need to know what do you guys think about insurance companies.... thanx in advance :) P.S:- it is a school project

How high is insurance on a BMW?

I found a 1992 BMW 525i in good condition for $1400, how high would insurance be for a newer driver with discounts included?""

Auto insurance filing question in WA?

About 5 months ago, my vehicle was hit in a parking lot leaving a big dent on the driver's side. The person who hit the car was kind enough to stay and contact his insurance company to file a claim. His insurance company appraised the damage, sent me a check, and told me it's mine to do with as I wish (I could keep it or use it for repairs). I decided to keep it and not repair my vehicle. Now, I'm looking at selling my car but I would like to repair it first to increase its value. Could I file a claim with my own insurance company since it was not my fault? Would I have to pay the deductible? The deductible is about $500 and the estimated damages from the previous appraisal was at $2500.""

Im 24 years old. How much will car insurance cost. Im female.?

I asked this question before. Everyone assumed I was under 18. Im actually a 24 year old female in Ontario. So I needed to provide this information originally when I had asked....sorry about that. So can anyone take a guess now?

Are there any groups you can join that offers group health insurance?

Or some insurance co that does not ask for a ten year history?

Car insurance not at fault?

I recieved a letter from my auto insurance who finished their investigation regarding my claim (minor accident @parking lot of a store with another vehicle) and according to them I am 0% at fault. The other party's auto insurance is still conducting their investigation. If the other party finds me at fault then what happens next? The reason why I ask is I got laid off my job in February & I do not have the funds to pay and it's been hard to find a job that pays a decent rate to help me live here in northern California. Your assistance greatly appreciated. Thank you.

Life Insurance for my family?

I'm trying to figure out if it will be worth to get life insurance for my family? Now, when I say family I mean my parents and siblings. I'm only concern with getting something that's affordable like term insurance I didn't hear to many good things about whole insurance.""

Can you be insured under the car's insurance if you don't have insurance for yourself?

What i mean is... If the car (like say your parents, or friends) you are driving has full coverage insurance on it, but you do not have auto insurance in your name whatsoever. What would happen if you hit someone. Would it file under car owner's insurance? No matter what, im assuming both the car (obviously) and the driver (ALL drivers) need auto insurance in their name? Or can you drive w/o insurance if the car has full coverage? Thanks! Just want proof before i prove someone wrong :P""

HELP !!!!!!! what is a good and CHEAP car insurance company? 10 points =]?

I need the cheapest possible car insurance but thats also good and will cover me =]

Please can anyone help me out on my car insurance dilemma?

I passed my driving test on the 24th of July 2007, however I was stopped on the 25th of July 2009 for having no insurance on a car owned my mum and my younger sister who are both insured on it. I was wondering if I would get my driving license revoked. As I got told that after 2 years I would have the full 12 points on my license, and I got told by the police that the penalty for driving uninsured was 6 points of my license. I then rang DVLA and they said that I would receive the full 12 points on my driving license on exactly two years to the day i.e 24th of July 2009. They were pretty certain about it. And that any point changes would take up to a month to show up. The police men were really rude and when I asked them what was going to happen they were like you have to go court etc. So I'm just wondering what I would actually happen, would I lose my license, have a ban, go to court, etc. Any information would be helpful and most appreciated.""

I am trying to find affordable heath insurance in CA?

I would also like some info on what the deductibles mean, etc.""

""How can i get affordable health insurance, with a low income?""

I work part time,i am physically disabled ,my husb is unemployable,rejected from disability, i have very bad health condition and need health insurance to continue dr.care....How can i get affordable health insurance that won't cost me a fortune? I have gone to the DPA and i was rejected by them. I suffer with depression/(diagnosed bi-polar) ,,disc disease,IBS....i must obtain medical Insurance to continue treatment in order to continue working...how can i get help?""

Do I need a California driver's license to deliver pizzas in California? (Domino's)?

Just interviewed at Domino's and everything seemed to go well, but afterwards I realized my current driver's license is in the state of Nevada and not California (since I am just here attending college). I anyone aware if this will be a problem for insurance issues or something?""

Changing car insurance co.?

Still confused. After getting considerably lower quotes from 3 major insurance co. ,for the same coverage. Why is it that my current-- Allstate-- was not able to lower their rates? We have been loyal customers for 10 or more years. No infractions for at least 5 years.Been advised that the lower rates are to lure you in. Then watch out! Dont want to make a change and then regret it later.""

What is the penalty for driving with no insurance?

Company car insurance?

Hi Can anyone help me re company car insurance I am currently getting a company car and now under the companies insurance, so dont need my own private insurance. I currently have 9 years NCD. I am now worried, what happens if I leave the company in a few years time, do I have to start from scratch again with no NCD, or can I still use my 9 years NCD anyone know (I have read they are valid for 2 years) I have asked Direct Line (my insurer) and they cant give me a straight answer, I get something different each time. I wanted to know if I was involved in an accident with company insurance I appreciate I have to state that when going back to private insurance but if I had an accident and had no NCD my premium would be sky high which I find unfair if I lose my 9 years NCD as I have not actually taken a break from driving. Does that make sense? hope someone can help me Thanks, Steve""

""Insurance quesion, help!?

Cash value life insurance is more expensive than term insurance because a. it is usually sold to older people who have higher mortality. b. higher rates of interest are earned on term policy investments. c. whole life is subject to adverse selection. d. the whole life contracts include both a protection element and a savings or investment element. e. none of the above. Is this one C? Past efforts to address the growing imbalance between tax-paying workers and social security beneficiaries have included a. increasing the social security (FICA) tax rate. b. increasing the maximum income subject to the social security tax. c. increasing the normal retirement age. d. taxing part of social security benefits. e. all of the above. This one E? The Consolidated Omnibus Budget Reconciliation Act (COBRA) contains provisions that a. allow continuation of group health insurance by employees and certain dependents upon the occurrence of designated events. b. apply to all employers offering group health insurance to employees. c. require an employer to pay the cost of continuing former employees' health insurance for up to 36 months. d. allows terminated employees to continue their group health insurance for up to 36 months. e. all of the above. This one E?

How much do you pay for car insurance?

Does Florida auto insurance have some sort of new windshield coverage?

I need an arguement solved. i was on interstate and some rocks/debris flew off truck in front of me and damaged my windshield. everyone keeps telling me that my insurance will cover the windshield to be replaced but I do not see this in my policy at all. I only carry the basic minimum needed to insure car. Is there something I am missing or does anyone what these other people are talking about? I do not carry comp or collision.

Why are teens against high auto insurance?

Getting car insurance under parents name (Ontario Canada)?

What would be the best way for me to minimise my car insurance?

Ok, before I start, I DO know that its not going to be cheap but I want to figure out the best way to get insurance. (This is in the UK by the way) Well, I turned 17 a few days, got my provisional today, and am thinking, uh oh - look at these insurance quotes. Is it a good idea to get my name added onto my parent's insurance policy? They're with Tesco car insurance. Apparently this lowers costs but is it worth it, and is there anything better? Also, do your public exam marks make any difference? I got good grades in the summer, A* in every subject, so does this help? The car is a NISSAN PRIMERA S TD 2001 1974cc Five Door Hatchback Manual Diesel. So it's not really a new car, and its silver in colour. The mileage per annum definitely won't exceed 5000 miles. Any help is appreciated, thanks.""

Sumner Washington Cheap car insurance quotes zip 98352

https://www.linkedin.com/pulse/houston-auto-insurance-quotes-phone-michael-jones/"

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yourrainycollectorhologram-blog · 6 years ago

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Visa debit card for rental car insurance?

"Visa debit card for rental car insurance?

I read that Visa covers the damage/loss insurance of rental car. Is that just for credit card? How about debit card? Thanks!

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

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How is mandating health insurance like mandating auto insurance (according to Obama)?

Auto Insurance: If I don't want auto insurance, I don't have to drive. Auto insurance is a CHOICE. Health Insurance: Will be the only thing somebody HAS to pay simply for being alive in America. Some people do NOT agree with ANY main stream health practices like myself. I would NOT go to a doctor even if I was on my death bed. Comment: Does it concern ANY of you that this mandatory health insurance will be the FIRST thing the government REQUIRES you to buy. Even Taxes are a choice. Some people chose to work for goods and barter (Amish). Isn't this America, where I can choose to seek alternative health rather than be forced to pay for something for merely being alive? Also, what about Church of Christ Scientists - Why force people who are religiously opposed to our health care system to buy health insurance. Many Christ Scientists will die before they seek main stream health. This plan makes me sick.""

Which Car insurance would i preferred?

I want best insurance on my car, there are many types of insurance, which insurance is good for me, can you suggest me.""

Best Car/SUV/Pick Up-Trucks for Insurance(Young Driver)?

Im turning 20 in a months time, and i will be purchasing a used Car, i will have about $10,000CDN to spend. I found cars/SUV that im interested in, and I've got Quotes off of web sites on how much insurance would be, and so far there all pretty expensive. What Model would be a good choice?""

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How much will cost to remove two wisdom teeth without insurance?

I,m male 21 years old and i'm wishing to remove both bottom wisdom teeth since it cause me feel bubbles on my ears and headaches, i don't know how much will cost me to remove them without insurance, but what is the average price on most states? i live in Oklahoma.""

Which website is best for buying health insurance in California?

ehealthinsurance.com, shopyourowninsurance.com, or gohealthinsurance.com? The prices all seem to be the same. Is there any advantage in going with a particular one?""

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life insurance policies on the deciseds joe g. ward

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If i lie about my car mileage for auto insurance, will they eventually find out my real auto mileage?""

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Car insurance and full time employment?

After playing about on comparison websites I've noticed that with the same companies it's about 100 less if I am in full time employment compared to being a mature student with a part time job...why is this?

How is automobile insurance not extortion?

What is the cheapest DUI insurance in california for a male when i become 18?

I just want liability for other drivers and i will get a crappy car so i dont need coverage for it. & I am 17 now. Am i able to get insurance if i don't have someone 18 or older sign for it? any ideas? Thank you

Motorcycle Insurance..?? Who is really reasonable1st Time Rider?

I've search and request several quotes for motorcycle insurance from the more well know insurance companies, but there all estimate $200 to $215 per month.. and I have my ryders liences.. Does anybody have any suggestionsggesions for better deals. Somebody hit me up>> thanks""

What are the cheapest cars for car insurance in England?

What are the cheapest cars for car insurance in England? I am just about to pass my test and don't care if the car looks like a piece of ****. I want it to have cheap car insurance. I'm thinking Peugeot 206 or something but I have no idea about cars? Thanks guys.

Which is life insurance company is number one position?

What kind of car insurence should i get?

im 19 years old and live in Massachusetts and i need help on what kind of insurance i should get. i don't want anything expensive even though that's hard to avoid because i know car insurance is expensive. i just got my license and i don't know what to look for. someone help me please! and i would most likely be driving a volvo or any car my parents let me

How is the Hillary Clinton helth plan version 2 anything like car insurance?

Car insurance: 1) Need to get it if you choose to drive. 2) Government bureaucracy does not force you to choose only in-state car insurance. 3) Coverage is meant to protect others from damages. 4) You choose how much coverage you want. 5) Does not violate freedom of religion. 6) Taxpayers don't pay for people who can't afford car insurance. Hillary Care: 1) Need to get if you choose to live. 2) Government bureaucracy limits the choice of provider. 3) Coverage only protects you and not others from damages 4) Government mandates what is covered, not you. 5) Violates freedom of religion for those whose beliefs prevent them from getting hospital care. 6) Government steals taxpayer money to supplement those who cry poor. Hillary supporters: Is it even possible to argue this? Go ahead and try. See you after Hillary loses the general election!""

How much would a 2004 Mazda Rx8 Liability insurance cost?

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

Car insurance total loss?

I own a 1997 dodge intrepid std 4 dr sedan 6cyl gasoline 3.3 liter 4 speed in fair conditions cd player no rust with 197,242 miles. My car was was in a hail and tornado damage where the hood has a dent and the driver and passanger side have dent and the trunk. I have full coverage insurance and they telling me that my car was total last i love my car and i spent alot of money fixing it and it drives great no problem. So I was trying to get some help from some one that could tell me how much is my car worth so they wont give me less money and if they offer me less what could I do. I am not trying to bew greedy but i do love my car and spent alot of money on it. I would rather get it fix . PLEASEEEEEEEEEEEEEEE HELP ME""

Am I paying too much for car insurance?

IM 19 years old, I pay $100 per month with geico, I have not had any speeding tickets, I have not been in any accidents, I had my license for about a 3 - 6 months now, I own a 1997 ford Taurus. Am I paying too much for car insurance?""

Car insurance for a new driver aged 21?

hi, im really close to taking my driving test, and i will be 19 when i hopefully pass. but i know that i would be unable to afford car insurance just yet! however, i would be hoping to maybe get a car when i am round about 21 or 22, as i will hopefully be in a more of a position to buy and run a car! however i was wondering if you could give me a rough ESTIMATE on how much the insurance would cost! i would be looking at getting a car such as a Nissan Micra, and would more than likely get a 1.0 litre! if you could give me an ESTIMATE on how much it could cost, so i can get a general idea! i know its hard to give an exact price, but lets just say the car is all safe and has been MOT'd and is being parked in a garage! hope you can all help, oh and its for a MALE!""

What company provides the CHEAPEST auto insurance?

I want the very cheapest auto insurance out there. The bare minimum so that if I were to be pulled over, I would be legal. The coverage is not important. Thanks!!""

How much is average car insurance 4 a 17/18 year old?

What would be the car insurance group for a renault megane cabrio dymanique 1600cc?

I am selling my car and have been asked what insurance group it is please.

Good auto insurance...?

I'm with AllState and I can't stand them. They charge way too much for so little. Which other insurance company offers better quotes??

Would my insurance go higher if the car is leased?

If a car is bought by full price, would my auto insurance go low or high?""

USA traveler renting car in New Zealand. What's the best car insurance?

My wife and I are traveling to New Zealand this September and renting a car for 2-weeks. We found out that our USA car insurance does not cover automobiles in New Zealand. I also checked American Express (my credit card) and they too do not offer any type of coverage in New Zealand. We are renting our car from Hertz but the insurance through them is super expensive. Does anybody have a suggestion on temporary car insurance in New Zealand? Also, feel free to offer any other advice about renting cars and driving in New Zealand. Thanks a lot!""

Looking for cheap car insurance.?

have a dodge avenger. and need suggestions for in expensive insurance

Why life insurance is so cheap ?

are they really going to pay after death ???

Any cheap car insurances for first time drivers?

I am 20 and I have been driving for 2 years and recently got my own car. But I heard car insurance is expensive and I wanted to know if there's any car insurance that is cheap. I live in Southern Cali. Do you recommend anything? Please help. And thank you.

I'm 18 and need auto insurance.?

I'm 18 and am about to buy a new car. I'm still under my mother's insurance, but am planning to get off of her insurance. I'll probably end up buying a clunker car that doesn't cost much. Here's my question: Do auto insurance companies allow drivers to get off their parent's insurance plans and get one of their own? My mother isn't very cooperative about paying for car insurance. I need to buy my own insurance. She WILL NOT cooperate. Will this be expensive? How would I go about changing the plan?""

Is there any affordable health insurance out there(about 140-180 dollars a month)?

Not health savings accounts ...Is there anything by the government for Americans trying to live the American Dream on a modist income.

How much would car insurance for a 17 year old driver?

for a used hatch back that costs around 500

Visa debit card for rental car insurance?

I read that Visa covers the damage/loss insurance of rental car. Is that just for credit card? How about debit card? Thanks!

What would be the cheapest car to insure for a 23 year old malel uk?

Every car i seem to look at has really high insurance costs, it ricockulous! seems ill never be able to afford to insure a car. Si i have 2kids a girlfriend and a job, im 23, and really need to get on the road. so does anyone have any suggestions as to a few cars i should check out insurance costs on that they think would be the cheapest options>? anuy ideas would be fab, thanks.""

New York State car insurance question?

Do you need to have car insurance to have a drivers license? I mean could you take the road test and get your license but have no insurance?

Who offers the cheapest Motorcycle insurance on sports bikes?

I am going to be a new proud owner of a Suzuki GXS-R600 and I need to know who offers the cheapest insurance around Columbus, Ohio or nationally""

New Insurance Law in Illinois?

Can anyone tell me what is the penalty for driving without insurance in Illinois and getting into an accident. I was driving my friend's car and got into an accident, it was my fault because i was changing lanes. I have already paid the other guy for his damages and have gotten a release from him. This is a first time offense, what will happen to me.""

""I was misled by auto insurance company, what are my rights here?""

OK i signed out with all-state insurance company. The quote was $380, the agent faxed me only papers to sign since i was happy about the quote. I asked her 2 fax me the Insurance Id card but she did not(i waited a week). After tired of waiting and being turned down by DMV 2 renew my car registration i called the office and asked someone else 2 handle my case. Things went fine without her help , the new guy sent me the Id card immediately. On Friday i received all the papers & the ID cards but i was suprised when i saw $415 ...i called but didn't speak with her, the guy that helped me B4 was like but you signed the papers, i asked him 2 send me the papers i signed again..and guess what? The psycho lady played me cause, she only faxed me papers 2 sign but not the papers that showed $415, all i agreed was based on the quote she gave me which is $380. She never sent me the $415 papers. What can i do with this cause they are not prepared 2 refund me or fix their numbers""

Can i go onto my Dads car insurance and get my own car aswell?

What the title says. Can i go onto my dads car insurance and drive my own car, instead of driving my dads?""

""What is the best Health insurance, with good maternity coverage?""

I would like to get insurance before I get pregnant because I know they won't give it to you when you're pregnant. So I would like to know who has the best coverage, hospital, pre-natal....etc! Would really like to hear from mothers, and there experience with the providers!!!! Thanks in advance""

""How much is insurance on a 1995 jeep wrangler 4x4 for a 16 year old male that lives in DOuglasville, Ga?""

I am currently 16 and I am looking into buying a Jeep Wrangler 4x4 5 speed with a 3 inch lift. How much on adverage would insurrance be for me being a male? I live in Douglasville, Ga if that matters.""

Cheap auto insurance?

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

What would be the best car insurance for me?

I just turned 16, and my dad is giving me his mustang. it is a 2004 mustang gt, 2 door coupe. we own it so its all paid for, but he's just going to add me onto his insurance i think, but i'd be paying the difference. so how much would it be to pay insurance monthly? and which car insurance company would be best?""

How much is insurance on the new Morgan?

You know the wooden car?

Insurance company for getting car out of compound?

I have full licence but need to get insurance company to cover to get car out of police compound

Health Insurance Question?

I currently have Crohn's Disease and I'm taking daily medications. When I turn 21 my insurance will not be in effect (CCS insurance I believe?) and I will not be able to afford medication and health insurance. My parents don't make enough money to buy health insurance..Does anyone have any idea on how to approach this?

""Whats a good, less expensive, insurance for a younger driver?""

i'm 19 and have had my liscence since i turned 16, i have a clean driving record and even got a perfect score on my driving test 3 years back. My car's been under my dad's name for the last three years but i plan to move out soon and want to switch the car into my name. does anyone know of a good, less expensive car insurance that would be affordable, and not have high rates just because i'm a younger driver.""

Why is it that insurance rates are so high in the state of New Jersey?

The insurance rates in New Jersey are higher than any rates in the entire United States. I demand an answer to this outrage! It makes no sense that in California you can pay like $140 for the whole -year- to insure a car, while in NJ you pay like $140 every month.""

""Adding my car to another's car insurance, how does this work?

I want to add my car and me as driver to another's car insurance (who has established rates) how can I do this?

Can an insurance company pull up police records?

Can an insurance company pull up police records on me without my consent?

Medical insurance...? 10 points?

I am 14 and I have a medical insurance covers my doctors appointments and my medication but at what age would I lose all that.... If I do what can I do? What covers my medication and medical appointments? By the way I'm not illegal if that helps...

I Need Some Car And Car Insurance Advice?

Okay, so basically i am 17 and i am currently learning to drive, i have had roughly 13 lessons and it is coming up to the stage where i have to start thinking a car and getting insurance ect... however, i don't actually sort of know how it works,for eg. how do i go about buying a car? is their anything i have to know? and then once i have the car, how do i get insurance and what else must i acquire in able to be able to drive the car legally and at anytime? i don't also actually understand how the insurance works like what is it.. and finally finding the cheapest car insurance etc.. a bit of background knowledge: i'm 17, and the sort of car i'm looking for is a Vaxhaul Corsa 1.2 in black.""

What kind of insurance coverage should I get for my motorcycle?

I have pretty much decided to get an SV650S as my first bike. Right now I am reasearching insurance coverages but am pretty much clueless. I don't know what coverage to get. This will be my first bike and I have very little experience riding. I have taken an MSF course and live in Los Angeles Area. I guess I am not looking for a particular insurance carrier(although it will help), I am looking for an explanations of the coverages so I know what to get.""

What if 21st Century Insurance considers my car totaled?

Ok...My car was parked at my work which is privately owned. An ex employee who was inebriated, backed into the driver's side quarter panel. Now, my car has a HUGE dent and it won't lock. I left it at the body shop and the adjuster told me it might be considered totaled. My car was in immaculate condition, mechanically, as well as cosmetically. In addition, my car has less then 93,000 miles on it. What should I expect? I am a student and I rely on this vehicle for my only means of transport. I know the insurance company is going to take advantage of my ignorance on insurance jargon. PLEASE HELP, I NEED ADVICE!!! Thanks~""

Help! I need medical insurance! ?

I have asthma with a history of mild depression. I am look for an affordable health insurance. I am 19 years old. Please help!

Can you get your drivers license without any insurance?

I live in West Virginia 17 and I have had my learners for almost a year and have got all my hours so would it be OK if i got my license w/o insurance

Can i drive my moms car without my own insurance?

My mom has car insurance and everything, but i'm just wondering if i could like drive her car to the gym or something without adding me to her policy? I heard its as long as the car is insured right? I live in california and i do have a valid drivers license and i do live in the household.""

Who has cheapest auto insurance rates in ontario?

Visa debit card for rental car insurance?

I read that Visa covers the damage/loss insurance of rental car. Is that just for credit card? How about debit card? Thanks!

https://www.linkedin.com/pulse/auto-insurance-quotes-noah-mason/"

0 notes

republicstandard · 7 years ago

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Trumponomics: Tame the China Tiger or Throw it Treasury Carrion?

Tigers! They come in two sorts; tame or with a temper. A modern Seigfried with a golden wedge of hair has entered center stage, or is that Roy? Regardless to whom Trump will be likened, we all know it’s going to be a crazy, wild show. It doesn’t really matter whether you want a ticket to the show, or not, the US Treasury has reserved you a seat. The arena is locked down and the Tiger has skipped breakfast. C’mon Roy, poke that sucker!

In my preceding Trumponomics article last week I introduced the idea that unabashed free trade – the first face of the Janus of neoliberalism - has been the obvious cause of the persistent current account deficit between the hungry China Tiger and the US. This is not a revolutionary idea.

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The crux of that article was that this trade deficit is, in fact, the main incentive fueling the overspending addiction of the US Federal Government, helping to lock in a persistent budget deficit; the two are cyclical and deliberate. Cause and effect! This government debt is the bastard child and second face of the Janus of neoliberalism. This is willfully ignored by most liberal economists as if it were not the inevitable conjoined twin of the first. Neoliberals simultaneously cry about big government while praising laissez-faire free trade with any and every nation.

For a nation like the US which holds the status of de facto World Reserve Currency, large quantities of US dollar government debt has to be held overseas by many important trading nations. 25% of US government debt is held by foreigners; very high for a developed nation. If other countries are holding your nations currency as a foreign exchange reserve, generally speaking the majority of it will be held in government treasuries, simply because bonds hedge well for inflation. Only a moderate amount of the reserve is held in cash on deposit/repo because these have lower returns adjusted for inflation. Trends in foreign exchange reserve holdings are always in flux.

If cash becomes depleted, central banks simply liquidate your government bonds for cash when they need to enact active monetary policy. When deciding which type of foreign exchange debt to hold, the most liquid and low risk is of course governmental debt - of nations. Nations are in the too-big-to-fail class compared to municipalities or corporations which don’t have a money printing machine. Not even EU countries have this advantage anymore, they've ceded their control over monetary issuance and policy to the supra-national ECB, even though their bonds are still issued by their national treasuries.

Following this logic, the overall problem with having the world reserve currency - as does the US - is there exists heightened incentive for such a nation to issue too much debt, blowing the proceeds on deficit spending, developing what is known as the twin-deficits phenomenon. This is the case with the US. On the Chinese side of the equation this has created a substantial current account surplus – a merchant windfall.

This article will focus on the Chinese side of ‘Chimerica’, among other topics, whereas the previous article focused on the US.

Winning! Government trade intervention

As can easily be seen above, this merchant windfall is large. In its wake it has left behind mountains of US Treasuries, US Agency debt such as Ginnie, Fannie and Freddie, US equities and dollar deposits; as of January estimated at $1.5 trillion. This can never realistically be sold off without a big drop in the market value of the same. In the meantime this paper all pays out somewhat satisfactory returns, while held, but for how long? For the sake of brevity we’ll just call these paper claims on the US a windfall for China, allowing China to industrialize beyond their wildest dreams.

There’s clear benefit to having absorbed this debt. Bringing a nation this big up out of the slime, in less than fifty years, is unprecedented in world history. In the 1970’s China was a backwater but today it’s an economic powerhouse. Quite the transformation. On the other side of the world can been seen the opposite effect; the rusting industrial interior of the continental United States caused by this Chimerican free trade insanity.

The Chinese government however does not have a balanced budget, or even a budget surplus, so it can’t claim twin-surpluses. This doesn’t matter in the game of trade though. No large external debts are owed by China to foreign creditors, unlike the US. Large Chinese internal debts exist but it needs to be understood that most of this government debt is owed to state owned financial and investment institutions, which directly subsidize and power the industrial sectors which are winning the export war against western countries. This is weaponized trade output; a feature of classical mercantilism.

In 2017, Chinese general government debt was 47% of GDP compared with 105% for the US and 253% for Japan. As I’ve mentioned before regarding Japan this government debt is majority owned by Japanese investors. Likewise, the Chinese government follows the same pattern with tiny amounts owed externally. What is this pattern? It’s the pattern of governments which manage their balance of trade through cunning intervention, keeping their current account either balanced, or in surplus; a feature of classical mercantilism.

They do this by working very closely with their major exporters and importers. Known as government sponsored/tolerated export cartels in Japan, China is no exception. Their primary function for export trade is to facilitate dumping. The government supports/forms these export cartels - known legally as foreign sovereign compulsion - to keep the current account healthy. This is another feature of classical mercantilism. This is in no way laissez-faire capitalism. If China and Japan are not plugging trade holes using fresh government debt sold to foreign entities in order to buy back their own currencies earned by said foreigners, it follows they won’t have external government debts to repay in the future.

If we look at the makeup of the internal debt in China, however, we see a messy picture. It’s the picture of a country still so centrally managed that it constantly finds itself having to take rash actions to plug holes caused by past rash actions. Allocation of capital into stable investment pipelines can be diverted from their internal, natural, free market destinations by government actions believed by the communists to be necessary for reasons of ‘stability’.

Stability means keeping Chinese employed, no matter what, regardless of the long-term consequences. The post-GFC world demonstrated that western central banks are just as interventionist - though in a purely monetary sense - so people in glass houses shouldn’t throw stones. With 1.4 billion Chinese packed into a country equivalent in size to the United States, stability means preventing potentially explosive unrest; which would at first be economic, then social, then political, threatening the current regime. The plan? Keep people working, keep some people happy, but at least keep most sheltered and fed.

Although this internal economic situation may seem alien from the perspective of neoliberal western market economies, nothing changes the fact that Chinese government debt, owed almost entirely to Chinese subjects and institutions, prevents foreign interference within their internal markets and affairs - much like Japan. China can deal more easily with its own subjects than foreigners because the former fear their own government whereas the latter can be far more difficult when they’re your creditors.

Mercantilism: The ‘Modern’ Great Wall of China

On the world stage this lack of external government debt insulates China from threats of bond dumping or creative use of said debt as a weapon against their nation on world markets. The Chinese are masters at insulating themselves from the odious foreigner.

Building monumental walls for thousands of years, more recently the Chinese have somewhat protected themselves subtly by dragging their feet internationalizing their currency; refusing to sell anything but token government debt to foreigners (including restrictions on Panda bonds); refusing to expose themselves to much at all; except US Treasuries, other dollar debt, and a mountain of other world assets dwarfing any other nations holdings.

If the Chinese government hadn’t chosen to buy so many US Treasuries, one might be tempted to call this, on all counts, a text book case of classical mercantilism in the twenty first century. Significantly these foreign government debt purchases are the only notable difference between classical mercantilism and what we can perhaps call neo-mercantilism, because classical mercantilists never expose themselves to long-term counterparty risk.

If the Chinese were demanding gold bullion as payment direct from the US Treasury rather than accepting IOU’s and, if the US were obliging, China would already be today, by far, the richest nation in the world by hard wealth. All US bullion reserves would already be in China and they’d be buying up most of the newly mined world supply annually (together with Russia the latter is materializing). It’d be as if a time machine had transported China back to the glory years before 1839, right before the Daoguang Emperor decided he’d had enough of the opium smugglers, banning its sale, triggering an Opium War which he then swiftly lost.

For China after that First Opium War, it was all down hill from there. Back then all the precious metals in the west flowed east into China. Nothing could stop the flow; except that is, the Royal Navy, British Marines, tons of opium chests and a competing mercantilist Empire on which the sun would not set until it later gave up on mercantilism. Forcing opium down Chinese windpipes fixed that twin-deficits problem for Queen Vicky.

Nations operating under mercantilist agendas in the modern world with drastically reduced shipping costs are more difficult to maintain. Shipping costs used to be a prohibitive barrier between the supplier and the market, especially when the suppliers were Chinese and the markets were in Europe or America. Over a hundred years ago, slow, small tonnage sailing ships requiring sailors for longer, ships with increased chances of vessel and cargo loss at sea from weather, were the norm. These self-enforcing costs were more efficient at limiting trade than managing a tariff regime without them.

In this past age, profitability of potential exports was drastically reduced. This was especially the case if the destination were also to apply a tariff on the goods being imported. In the modern age we have supermassive cargo ships with small crews and we utilize advanced port loading technology - mechanized and containerized - making the cost of shipping a widget almost un-noticeable from what it used to be. Ships lost at sea are almost non-existent.

To drop trade barriers completely with a mercantilist nation like China in such a world is industrial suicide. Despite this reality, neoliberal prophets have announced that by doing so, some miraculous equilibrium will balance all trade worldwide, unleashing a panacea of prosperity. There will be a pot of gold at both the beginning and end of every rainbow. All nations will integrate economically. Nations will all equally become more efficient and governments will be smaller because they won’t have any need to intervene in the affairs of Paradise.

Likewise, in this dream, at no point will any of these nations attempt to game the system because they all seek the same benevolent destination. They will all liberalize and synchronize, singing in a well-honed angelic choir. Magic in action! Conjured up by the collective mind of the planet, it’ll be organically driven by the invisible hand of the ‘free market’ egregore.

It's a Jensenine Evangel!

The Corporate Cosmology of Arthur Jensen

youtube

As Arthur Jensen remarks to Howard Beale in the multiple Academy Award winning 1976 MGM feature film Network :

You are an old man who thinks in terms of nations and peoples. There are no nations. There are no peoples. There are no Russians. There are no Arabs. There are no third worlds. There is no West. There is only one holistic system of systems, one vast and immane, interwoven, interacting, multivariate, multinational dominion of dollars. Petro-dollars, electro-dollars, multi-dollars, reichmarks, rins, rubles, pounds, and shekels.

It is the international system of currency which determines the totality of life on this planet. That is the natural order of things today. . . . We no longer live in a world of nations and ideologies, Mr. Beale. The world is a college of corporations, inexorably determined by the immutable bylaws of business. The world is a business, Mr. Beale. It has been since man crawled out of the slime. And our children will live, Mr. Beale, to see that perfect world in which there's no war or famine, oppression or brutality - one vast and ecumenical holding company, for whom all men will work to serve a common profit, in which all men will hold a share of stock, all necessities provided, all anxieties tranquilized, all boredom amused.

And I have chosen you, Mr. Beale, to preach this evangel.

Hallelujah! It’s obviously satirical but this is exactly what unabashed neoliberal doctrines preach.

The big problem with this ecumenical vision? There’s a thing called the real world. Obviously, third world countries with virtual slave labor run by dictators and oligarchs do exist. This was China before the trade doors of heaven were swung open by Kissinger and Nixon in the early 1970’s, allowing uncontrolled buying of dollar denominated debts, which presented the Chinese with a mechanism to further game exports into the west, to conquer the US industrially, by cheapening their currency.

Additionally, in the real world, there are indeed Arab nations and they don’t seek to feed as many imports into their consumer markets to balance their trade as prayer would demand. Their petrodollars are mostly fed into the western debt, equity and real-estate markets for the benefit of a select few royal princes and aristocratic sheiks. They’ll however take in large armaments trades whenever offered - or demanded - obviously to gear up for wars in which Allah will bless each of their endeavors against every other ethnicity/sect blessed equally by Allah, probably also receiving US armaments.

This context makes the first part of Arthur Jensen’s speech seem timeless :

You have meddled with the primal forces of nature, Mr. Beale, and I won't have it!! Is that clear?! You think you've merely stopped a business deal. That is not the case. The Arabs have taken billions of dollars out of this country, and now they must put it back! It is ebb and flow, tidal gravity! It is ecological balance!

Well blow me down and call me Howard Beale! - at least Howard before he converted to the “corporate cosmology” of Arthur Jensen. Every time Theresa May stands at the podium of a philo-Islamic (Wahhabi) love fest such as the 2017 Qatar-UK Business and Investment Forum to preach the sermon of tolerance and diversity, do you get the impression that her constituency is not actually the native British voter?

Does her tongue move purely for the proceeds of Arab LNG imports and petrodollar flows which the City of London markets require reinvested to remain buoyed and liquid? Is her tongue moving in competition for favor and party donations which the Tories and Labour both now need to compete for? Do you like those Sharia lobbies making inroads into Whitehall, your universities, schools, the BBC, your local governments? How about the Mosque development trusts which the planning approval gods seem to have showered blessings upon from heaven?

“Hell, they already own half of England” ~Howard Beale on Arabs.

If you’re in the UK: Thank Thatcher, Major, Blair, Brown, Cameron and now May for this neoliberal diversity paradise. Money speaks no matter the flag it’s draped in.

If you’re in the US: After signing a $350 billion arms deal with the Saudi's last year - the largest in modern times - this is how a political leader acts when offering vassal platitudes to one of your foreign creditors and lead OPEC asset. Petrodollars will buy his hypocrisy and then bureaucrats and media whores go right to work convincing citizens there’s nothing obvious for them to be flabbergasted about. Media will criticize Trump for many things, but they'll always treat petro-sheiks with kid gloves. With Hillary in the hot seat it would merely have been a woman repeating the same plattitudes.

Debt weapons of mass disruption

Notably in regards to the Arabs and Chinese, it’s important to highlight the grave dangers of foreign investment caused by run-away trade deficits. Investopedia sums up the dangers well :

“… nations running a current account deficit are beholden to their suppliers. The exporting nations have the ability to apply financial and political pressure on the importers. This can have significant fiscal, political and even national security implications.” ~Investopedia.

The best historical example of such an attack on the western world using vital commodity exports was the OPEC action of 1973 when they enforced production cuts and an oil embargo against western allies of Israel. As I explained in a previous article, the ramifications of this were monumental and rewired the modern history of world finance. This birthed the monstrosity of the petrodollar system.

Though China doesn’t export product as important and vital to the US as crude oil, the years of hollowing out US industry would not so easily be repaired if Chinese goods were suddenly to become more expensive due to Trumpian tariffs - especially steel. The zombie riots in Walmart might be impressive. The time delay between price hikes and sector repair would cause price inflation - at least in the short term - as capital investment into reviving sectors took substantial time to rearrange itself, before operations came online.

This higher inflation would conflict with the shorter term Treasuries on the yield curve, forcing higher interest rates. Additionally wage costs would always be higher in the US, though this would be a boon to the GDP, fueling velocity of money. You lose some, you win some. If China were to dump their over one trillion in US Treasuries with gusto, the effect would be a strengthening of the renminbi against the dollar; unless they converted it into a third-party foreign exchange reserve like the Euro, damping the effect (which is beginning).

Such dumping would harm Chinese exports which would become more expensive as the renminbi strengthened. This is exactly what the US government has been saying it wants China to do since the early 2000’s - or at least giving lip service to the idea as if to appear concerned. In 2005, China finally announced it wanted to begin internationalizing and freely floating its currency globally. China, being clearly mercantilist rather than neoliberal, has dragged its feet purposefully in this regard, knowing this will have a negative effect on employment.

Did China ask us if it was OK to devalue their currency (making it hard for our companies to compete), heavily tax our products going into..

— Donald J. Trump (@realDonaldTrump) December 4, 2016

their country (the U.S. doesn't tax them) or to build a massive military complex in the middle of the South China Sea? I don't think so!

— Donald J. Trump (@realDonaldTrump) December 4, 2016

The US isn’t serious though. Does anyone really believe that most people in the Federal bureaucracy are actually concerned about China continuing to prop up the US Treasuries market, allowing the Feds to perpetually delay tax hikes? At this point government bond experts at the Treasury and the various Federal Reserve Banks are probably suffering from cognitive dissonance over what to cry most about, or wish for.

When your lover leaves you at the altar

Even with this sword-of-Damocles for potential attacks by foreign creditors hanging over their heads, neoliberals seem to care little about national distinctions or borders. Economic sovereignty is an afterthought, if at all. No matter the culture or ideological agenda, if some other country can muster credit, they say “good”. Or if foreigners can supply a product cheaper this must be “because they’re more efficient than the inefficient domestic competition”.

The centrally managed economy of China is strategically subsidizing certain export products to target US sectors while continually buying up dollar debts rather than allowing their currency to appreciate. To this neoliberals say “muh free trade” and accept the pin-less grenade as a wedding gift. The neoliberal cares not for this reality, because to apply any government interference would break an “immutable bylaw of business”, as Jensen put it. It screws with their ‘free market’ fundamentalism.

Neoliberals don’t seem to care that their neoliberal agenda was not first followed to the letter on the Chinese end, but they’ll ‘self-deprecate’ on behalf of their own nation if it were to ever upset the gods of non-intervention. So if your trading partner is not playing ‘fair’ and not allowing their currency to appreciate naturally to a place where your converging neoliberal economies embrace each other like angels of love at the pearly gates, are you supposed to sit back and say, “Well at least I played fair! Soundly I sleep in failure!”? Well blow that! Blow that right off! Has the west become this weak and pathetic?

It is time for the libertarian ideologues to realize that their lover has dumped them at the altar of laissez-faire free trade. You cannot have free trade if you don’t control the agenda of your lover. There’s no sign at all that many of the more important lovers of the US like China are willing to sacrifice their own economic sovereignty to globalist institutions. They value it. You are the one that obviously does not. It’s time to start realizing that the last fifty years have been a mistake. You were dumped by communists, but the deception was a product of your own delusion.

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Don’t blame the Chinese for wanting to retain their garment of mercantilist celibacy while you ripped yours off in a frenzy, running around starkers and ranting about the coming of a neoliberal Paradise. You’ve embarrassed yourself and the guests and now leaving. Perhaps this is a funeral though: Is that bride packing a Colt AR-15 under her dress and did the groom pay for the weapon? Well this is awkward.

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