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night-unfurls-its-splendour · 5 years ago

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I'm watching the entire series of Game of Thrones for the first time. I've made my way to season 3, making sure to watch as many commentaries as I can. Last night I listened to the Set Design / Costume Design commentary for S3 Ep 4: "And Now His Watch is Ended".

I know most historical costume Enthusiasts / Critics either don't touch, or make exceptions for Fantasy productions and on the whole I agree with that. But something about the Game of Thrones costumes (and how the show's popularity has impacted costume design on productions actually set in the medieval / Renaissance time period) has just really been bothering me.

(Perhaps you see what I mean here with Contessina De Bardi in Medici: Master's of Florence and her sneaky mini structured neckline)

It may be a couple of things, but lots of the ... insights from Michele Clapton shed some light on this for me. I have a few questions.

First: North of the Wall, we spend some time in this episode with The Night's Watch at Craster's Keep. Of Craster's wives, Clapton said [Disclaimer this is not an *exact* quote because I couldn't find a transcript anywhere and my sister sent back the Netflix DVD and I do not have an idetic memory - but the important parts of the comment are, in my own estimation, accurate] : "With Craster's wives I got this idea of them just having bits of rabbit, whatever they can get, woven with grass..." this raises in my mind, SO many questions.

Firstly - we ARE north of the Wall, yes? Where, as we have seen, the ground is just about ALWAYS covered in snow, or 90% mud. So where is the grass coming from? And also what they are wearing is so clearly not grass?

This also provides a segue into my second question.

Do sheep exist in Westeros?

Why is it that this show has such an aversion to wool? Every man wearing protective clothing is wearing Leather (or rather I should perhaps say "vegan leather"). Every Hearty Weave (TM) appears to be an attempt at Linen; and every Fine Lady is wearing Silk satin, or if you're Olenna, silk brocade (in obviously hot weather, because naturally elderly ladies benefit from heat stroke).

I've not seen one woollen cloak. Not. One wool... anything really. I ask myself "Why?"

100% natural wool is wondeful. It's naturally flame retardant; it keeps you warm; it breathes well; it's soft in a light weave; it's strong in a heavy one; its water repellent. So what is with this endemic erasure of wool? Even productions like 2018's Mary Queen of Scots have had costume designers like Alexandra Byrne who, when searching for a durable fabric for cold and rainy Scotland, came out with a wardrobe comprised entirely of DENIM. Which, as we all know is the WARMEST AND MOST COMFORTABLE of fabrics when damp. Now we all know Byrne's real reason for using denim is because it's cheap. The problem is Byrne tried to justify it by saying all of that guff about wanting a fabric that wears well in rain (Which, I cannot stress this enough- denim does not) and, of course because denim would be "ReLaTaBLe". But I digress.

All that aside, perhaps the things that bother me most are components and composition. Which is where we get into the wooly (heh) area of me being a person with interest in HISTORICAL costume, critiquing a FANTASY series.

So let's just get this out of the way: I'm not saying that anything that the costume Department did with this series was "Wrong" [with one exception, but we'll get to that when we get to it]. I'm just going to say that I don't like the way it was approached, and my reasons on WHY.

I think I have a modicum of justification for my opinions here because, fantasy is fantasy, yes but the concepts of "Fantasy" and "Medieval" have become so strongly connected that the line between them has become so blurred in the modern mind as to be almost non-existent anymore. We're in a strange cycle here. "Fantasy" was directly inspired by Medieval and over the years took more and more creative wiggle room because, the great thing about fantasy is, you can make it whatever you want it to be aesthetically. But as Fantasy and Medieval have become so intertwined, more and more creative license has been taken with the latter, so that the original inspiration has become beholden to imitate the art it inspired.

But I'll save my pontification on the modern eye and Medieval fashion for another post, and try to keep on track only as far as this affects my feelings on Game of Thrones.

My justification is that GoT is not just inspired by Medieval England/Europe in the broad sense that most Fantasy of the Sword and Sorcery variety is; it was SPECIFICALLY inspired by ONE ERA of English History, The Wars of the Roses [15th century] (with character inspiration from other eras, as recent as the 16th century).

The thing about being interested in Historical Fashion is, once you know it, you can't UN-KNOW it. For example, my understanding of the medieval approach to clothing composition is "Cut as little as you need to because sewing is tedious". You don't want to have to sew more than you have to because what's the point of that? Practically no clothing in the medieval period was tailored because why bother doing that when you can just sinch it with a belt, or lace it up the sides? Is any of that applied here? Nah. Because when we look at Sansa's dresses, look at those obviously machine stitched, perfectly pristine seams. ~whistles~.

I'll never throw shade at a costume department for using sewing machines, but I will shade them for not bothering at all to make clothing for a universe that has no sewing machines look like it was made in a universe that has no sewing machines.

I can agree with not holding Fantasy series to historical standards - to a point. To wit: as long as it's believable IN-UNIVERSE.

AS FAR AS WE KNOW, the GoT universe doesn't yet have Mechanized looms. Now I know that they make some pretty unreal lace in Myr, but I just can't think of any in-universe justification for the texture of Danny's blue number in season 3.

Another thing that bothers me is the proliferation of corsets and how those corsets are approached.

Here are some historical corset facts.

• the term 'corset' wasn't widely used to refer to structured undergarments outside of France until the late 18th century (1700's). Before tart they were called "stays" (16th-17th century) or "a pair of bodies" (15th-16th century)

• structured undergarments first appeared in the 15th century, as the bodice of under-dresses(kirtles) were lined with reed or Buckram to provide back and breast support and provide a smooth surface for the gown worn over it. It also provided a foundation for multiple layers of petticoats, so the waistbands wouldn't dig into your sides.

• Structured undergarments that existed independent of a kirtle or petticoat aren't in evidence until the 16th century (Elizabethan/Renaissance) and aren't widely used by all classes until the late 17th century.

• Most 16th-17th century boned foundation garments had straps, since they didn't reach down much farther than the natural waist, unless they were designed with a high back.

• Corsets, stays and other structured undergarments were never worn without a shift/chemise/slip underneath because...

• Corsets chafe.

• Corsets are difficult to clean, but shifts are easy to launder. Shifts protect your skin from chafing and protect your very expensive corset from the oils produced by your skin

(Reproduction example of 15th century style kirtle, from Prior Attire. Source video here)

(Sansa's... corset here has this bizarre low back and 18th century style tabs on the bottom? It also seems to lace only down to her navel. Not quite sure what's going on here, it really doesn't seem to be supporting her at all.)

The reason I hate, hate, hate the way Sansa is costumed under her... very suit-like gowns is because she never ever is shown (so far) wearing anything under her corset; her gowns are all long-lined, flowing and loose fitting; and show only wears (usually) one petticoat under them. So in short, I dislike that Sansa wears a corset because Sansa has NO REASON to be wearing one.

◇◇◇◇Another Thing◇◇◇◇

I want to spotlight on a little thing from the commentary that really hits on one of my larger problems with the aesthetic interpretation of this show in general.

During one of the scenes with Stannis and Melisandre, Clapton mentions that they made Melisandre's hair a darker shade of red in season 3 than it was previously. She says the phrase "sort of makes her more earthy".

Yes. Let's make the FIRE priestess more EARTHY. LET'S JUST DO THAT. AS OF THIS SHOW ISN'T "EARTHY" enough.

There's this fantastic quote I read somewhere by GRRM about how he loves fantasy because it's colorful, where real life is gray and brown and olive and dull. Melisandre is arguably the most colourful character in the show/series. In the books, EVERYTHING about her is Red. And not just red. She's scarlet and crimson. When she's introduced there's this fantastic description of her wearing flowing robes of scarlet silk with slashes in it revealing a darker, blood red fabric underneath.

That was passed up for a monotone, very simply cut red gown and I can't stop asking myself why a designer would scrap something like that without even trying to pay homage to it.

This show just sort of takes everything colourful in Martin's world and MAKES it gray and dark for the sake of Gritty Realism (TM). I suppose that's part of trying to appeal to a wider audience, but I just find it increadibly visually uninteresting.

◇◇◇◇ONE MORE LITTLE THING◇◇◇◇

Is this the sofa from the Study in Clue?

???

#historical costuming #game of thrones #corset #sophie turner #sansa stark #a song of ice and fire #emilia clarke #danaerys targaryen #danaerys stormborn #melisandre #15th century

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innuendostudios · 5 years ago

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We hit 200k subscribers! Holy heck! Here’s a small, celebratory video collecting my favorite bits and pieces that got cut from other videos.

If you like this, or the videos these bits were removed from, consider backing me on Patreon.

Transcript below the cut.

The Artist is Absent

If I tell you about what I did yesterday, you do what? You take a bunch of sights, sounds, tastes, smells from your experience and stick them together in your head into a complex picture of my experience? Well, that’s what I’m doing when I use my memory. I don’t have a prefab image of what’s happened to me in my life that I break down into pieces when I describe it to you; the act of remembering is building up from pieces, reconstructing reality from a mass of tiny sensations, and all a memory is is a set of instructions for which ones to assemble and how. This act is performed every time a thing is remembered. And the difference between my memory and your imagination is that, having lived it, I have way more sense memories than I could ever communicate, and the knowledge that mine actually happened to me. Those are really the only differences; you could characterize memory as “imagining things that actually happened,” or imagination as “remembering things that didn’t.”

The Artist is Absent 2

OK, quickie sidebar on what the meaning of “meaning” is in this context. I don’t want anyone to trip over this term and think I’m saying all art is part of some grand design, like I’m going to argue The Avengers is an allegory for the Bay of Pigs or something. I’m not using “meaning” in a lofty sense. If you wanna argue that the only substance to The Avengers is “it’s fun,” that’s cool. That’s still a meaning, but it’s perfectly valid if that’s all there is to it.

...I mean, that’s not all there is to it, it’s also about family, and about how being in a family with people who are different from you can make you a better person. It can teach you the value of selflessness, or the value of compassion over mercenary coldness, or the value of accepting yourself and your flaws, or help you fit your idealism into the modern world, or… deliver exposition, because Thor doesn’t have an arc in this movie.

But you see my point! All I mean by “meaning” is that there is an answer to the question, “Why does this exist?” If someone made it, they had to have a reason, anything from “I wanted to change the world” to “I wanted to make money” to “I was bored.” Those aren’t all great answers, but they’re answers.

Also, all creators exist within their culture, which means their works are products of that culture, and their contents will either reflect or differ from that culture’s values. Like, the fact that all the central characters in The Avengers save one are white, and all save one are men, means something. We can debate the whats and wherefores of that meaning and how much that meaning matters, but since things like race, gender, the military, and New York City, mean things to our society, they can’t not mean things in our movies.

And, let’s be honest: following The Avengers, Tony has PTSD from being a rescue worker during Something Very Bad that Happened in New York, and SHIELD dramatically expands the surveillance state and employs Cap in fighting terrorist threats, so, while not the Bay of Pigs, The Battle of New York is doing work as a 9/11 allegory. Both of these movies have been praised for exactly that.

But, let’s follow through: in our 9/11 allegory, the US government could not have possibly predicted nor prevented the bad Guys’ invasion, America is wholly innocent and has had no political or social impact on the Bad Guys, the Bad Guys are literally inhuman, and any amount of violence against them is justified, up to and including the Good Guys nuking them.

But whatever.

Bringing Back What’s Stolen

OK. A lot of psychoanalytic film writing comes from the 70’s, 80’s, and early 90’s, including gender analysis of horror films, and it can read a little Freudian: gender essentialist, heteronormative, and obsessed with the D. “Does this empowered woman look feminine? Well, she’s holding a gun, and I’ve got news for you: guns are penises. She’s smoking a cigarette, and cigarettes are penises. She’s wearing high heels, and high heels are penises. That slit in her dress that shows off her long legs? [Long Legs Are Penises]”

It’s a bit Second Wave-y. And not completely off-base! Like, I get it, Laura, sometimes a knife is a dick. (Symbolically, I mean.) But sometimes a stiletto is just a stiletto.

Bringing Back What’s Stolen 2

I want to stress that a trope does not define a character, and does not, alone, make her or the movie around her bad. I love a number of the characters I’ve cited. But when a movie, even a great movie, tells me, “Don’t worry, this woman is violent, but we’re not saying women at large are as strong or violent as men,” I feel condescended to. The lengths some movies go to soothe my ego, like I’m a seven-year-old who’s going to throw his toys against the wall, strike me as a big waste of time that could be spent on the more interesting parts of the movie. I’ll take another shootout any day.

WSGT3

Imagine you’re called onstage to do a cold reading of a two-person scene from a play you’ve never read. You don’t know the story, the characters, or even the stage directions. And the director hands out only one script to the other actor. You will have to improvise all your lines. The other actor knows the premise, knows the story, but they still need you to make the scene work. The person who knows what happens is trying to signal everything you need to you without straying from the script, while you attempt to discover your role in the story and perform it at the same time. That is the attention that must be paid. And, together, you try to make a story.

This is an exercise my acting teacher used to do with us, to get us listening to the other actors in a scene instead of just waiting for our cues. And this is how an adventure game feels.

DOOM

It was 1993, and we all knew about DOOM. It had a reputation. Many of us learned it existed with the same breath that forbid from playing it, in the same way we were forbidden from watching Beavis & Butt-head or Terminator 2. We didn’t have those kinds of parents. But most of us knew someone who did.

We came to learn three things about DOOM: that was intended for grown-ups, that our access to it was scarce, and that having not played meant getting teased by those who had. Some of us never asked if playing it interested us, we simply knew playing it was important.

And when we played - and we did play, on whatever computer someone had secreted the shareware version onto - it was like nothing we’d ever seen before. Amazing and terrifying, in the way that a kid alone in the house watching their first skin flick finds it shocking, because half-naked women and simulated sex are so far outside their limited experience. We had never seen anything close to this, and it unsettled us at first. But we played.

The titillation of an art student drawing a nude model lasts for the few moments between the dropping of the robe and the touching of charcoal to paper. Then nakedness becomes just another series of lines to render. We acclimated. When we fired our shotguns into an enemy, soon enough all we saw was an obstacle neutralized. We saw a series of lines elegantly intersecting a series of boxes. That’s not what our parents saw. Our parents saw an imp howling in pain as its ribcage burst from its chest.

And so part of playing DOOM became learning how to defend it. “I play DOOM for the gameplay” became a generation’s “I read Playboy for the articles.” When we got caught, we tried to explain the the lines and the boxes: The bullet wounds were just there to let you know when you’d hit your target. The space marine’s bleeding face was just there to tell at a glance how your health was doing. The enemies were Satanic hellspawn just to make it perfectly clear their function was to be dispatched by your shotgun. What we wouldn’t say was that all these things could be accomplished through other means, without blood, but we didn’t want to play Chex Quest.

What we couldn’t put into words, most especially under threat of punishment, was that, while the blood and gore wasn’t why we wanted to keep playing, it was usually why we sat down in the first place. DOOM was good, but being good wasn’t what made it important; it was important because it was illicit. Yes, we were kids, and we probably would play a game that offered us nothing but brutal violence, but if the lines didn’t pleasingly intersect the boxes we would soon stop playing. DOOM is loved today because there was more to it than that. Blood was captivating, but it wasn’t enough - we sat down, but we did not stay, for blood alone. What our parents could rarely put into words was that us no longer seeing the blood was part of what worried them.

Indivisible Talk

These are some fundamentals I want you to keep in mind as we look at the Right.

Everybody’s people. When I talk about the difference between the Right and the Left, I’m not saying “the Right does this and the Left does that.” I’m talking about things all humans do, and the difference between the Right and the Left is a matter of scale and proportion. If I say “the Left values data over gut feelings” or “the Right values family over extended community,” obviously everyone values all of those things. It’s a question of how they’re prioritized. But small differences in our priorities can lead to dramatically different worldviews. So when I say “the Right does X,” don’t get too hung up on whether the Left also sometimes does X, but try think about how it manifests on the Right versus the Left and what those differences between them mean.

People vote their beliefs, not their self-interest. The Left tends to ask things like, “Why would working-class voters who depend on Obamacare vote for the party that wants to repeal Obamacare? They must have been lied to.” And I won’t deny that a lot of lies were involved, but it’s a mistake to think people only vote for what’s good for them. It seems like this should be obvious; I mean, why do I vote to have my taxes raised to pay for someone else’s education, someone else’s food stamps? We tend to answer that by arguing it is in my self-interest, that a well-fed and well-educated population leads to a stronger economy and a richer culture, and that this will trickle down to make my life better in the long run, and I could make that case, but, really, that’s not why I do it. I believe in education, I believe in fighting poverty, and if you proved to me that neither would ever benefit me personally, I would still fight for them, because it’s the right thing to do. So when someone across the political spectrum does something that confuses us, it may be true that they are misinformed, but we can’t assume that simply correcting them will change their minds. Right or wrong, they are acting in accordance with their beliefs, they trust misinformation because it aligns with those beliefs, and, if you don’t understand what those beliefs are, you’re going to misdiagnose the problem.

Tolerance and sectarianism. A tolerant view of society is the melting pot, the idea that Real America is the combination of many different walks of life, all of which are valid and deserving of the same rights. A sectarian view thinks of one walk of life (usually one’s own) as the Real America, and this walk of life is one society should trend towards: that America is a Christian nation, English should be the national language, or the ideal family as nuclear and heterosexual. I think it’s obvious which ways the Parties lean.

But, again, these are human traits. Everyone is balancing both these impulses every day. And I don’t want us to split these into “tolerant good, in-groups bad.” Democrats who over-commit to the melting pot run into the Karl Popper’s Paradox of Tolerance: that, if you treat every group as equally valid, including Nazis, fascists, and the Klan, you create a less tolerant society. And treating one group as a greater priority than others is logical when that group is persecuted; there is a degree to which all minority activism is defending one’s family. So it’s a matter of knowing when to be tolerant and when to be familial, and coalition-building is all about being both at the same time.

End

Um. So. I’m not sure how to end this. Uh. 200k subs! Wow! I find that number very humbling. Thank you all so much. And back me on Patreon, if you want to and if you haven’t already. There’ll be a proper video soon. Uh. What do people usually do in these things, they do Q&A’s, right? People ask you “what’s your favorite movie, book, game, comic, anime, musical, poem, album, joke”? I’ve been wondering what it says about me that all my answers would be things I experienced in my 20s, or earlier. Is it that I don’t love things the way I used to? Or is it just that, the more art you experience, the harder it is to be blown away? Like, something can be better than anything I’ve seen before, but it can’t shatter the record the way it could when I was younger. But I’m not making a video essay about that, so: Eternal Sunshine of the Spotless Mind, The Motion of Light in Water by Samuel R. Delany, LOOM, Sandman, The Melancholy of Haruhi Suzumiya, Hedwig and the Angry Inch, A Woman is Talking to Death by Judy Grahn, a three-way tie between In The Aeroplane Over the Sea by Neutral Milk Hotel, Lincoln by They Might Be Giants, and Onomatopoeia by Jonny 5, and the lemon cookie joke.

#video essay

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riusugoi · 6 years ago

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Protocols: Duty, Despair and Decentralisation transcript - Matt Dryhurst

https://medium.com/@matdryhurst/protocols-duty-despair-and-decentralisation-transcript-69acac62c8ea No-one is going to pay for music anymore sufficient to keep scenes as we know them going. At least not in the ways many have been used to. So while some artists might make petty change from digital sales through Bandcamp, my assumption is that those figures will dwindle over time as streaming establishes greater supremacy. My assumption is also that whichever streaming platform wins (as all roads lead to monopoly in this current paradigm), the artists that benefit from that streaming platform will be those that most dutifully satisfy the requirements of the streaming platform, which I think is a very different aspiration than satisfying the requirements of feeding healthy international and local music scenes. When Daniel Ek says he wants “one million artists to live from their work”, I think of one million musicians, sitting in flat shares, stocking playlists for people to shower to. Music from nowhere, for no-one in particular. A far cry from a healthy, or interesting, music community that people in attendance today might care about. My other assumption is that Spotify won’t succeed. If I were Google, or Apple, or Amazon, I would look at Spotify’s immense burn rate: “they posted an operating loss of $461 million on revenue of nearly $5 billion last year”, and bide my time. From where I stand, Spotify is spending immense amounts of money to reorder the way music works as we know it. They might well eradicate the traditional label and publishing model, by finding new ways for artists to post directly to their platform, locking them into new forms of agreements over their work that also indemnifies them, or any prospective parent company, from legal action over copyright infringing material that might be hosted on their servers. Soundcloud is trying to do something similar with their new agreements, and in lieu of a viable business model appearing, all I read from that is that these are moves to leave the door open to potential acquisition by a bigger fish I don’t think there will be a streaming competitor to Spotify, or whoever might acquire them. Our best bet is to drastically reconsider the value proposition of music. What do people value and what are they prepared to support? the club music economy is resilient in ways that other scene economies are not. Club music, on the contrary, is very much based on location and loyalty, and is more generalised and functional. People go to dance, and are often less concerned with who is playing than what they are playing. The functional underpinnings of most club music are also compatible with the functional expectations of streaming, as both require a fast and steady stream of somewhat anonymous compositions that transition seamlessly into one another. Music to work to. Music to play to. Seamless. This is all well and good, but again we are left asking, what about those musicians who don’t want to tailor their output to a predetermined function?

One of the significant battles we face at the moment is a war between music from nowhere, and music from somewhere. Music designed for instantaneous engagement, and instantaneous dismissal, and music that communicates with an archive. The role of the critic has been under threat some for time, and will continue to lose influence to algorithmic populism, and the kindof process-hack algorithmic manipulation that makes stars on Instagram and Youtube. Spotify and Apple are already hiring journalists to cover the work they promote on their platform, so we will see more hagiographical journalism feeding that system, and the traditional idea of the critic as arbiter of taste, and gatekeeper of the archive, will continue to be eroded. Other gatekeepers, such as labels and niche festivals, will continue to lose prominence over time unless they radically reconsider their value propositions. The end of history? Nope, but the end of an era for sure. The recent announcement that Conde Nast intends to paywall all of it’s publications, presumably including Pitchfork, by 2020 is interesting news. Exclusivity like this might work for the cream of publications, and also might perhaps trigger a snow ball of similar subscription plays by smaller publications. I like it when people pay for things, and we will see how that experiment plays out, but once paywalled, what we understand as the archive might well end up being housed behind those walls. Better that than disappearing altogether, perhaps. RBMA and Boiler Room have been busy creating maps of culture. Maps are valuable, as they allow for the establishment of trade routes. On the one hand, RBMA and Boiler Room are doing a great job, as their models are predicated on the primacy of the kind of cultures that are under threat by the algorithmic populism of say, a Spotify or a Youtube. Contrary to the hackneyed divisions that linger from the past, there really is no “mainstream” or “underground” in this new economy. Under ad-driven platform capitalism, there are either fertile pathways to sell people stuff, or barren and quantified pathways to sell people stuff. It’s a map. I’ve said a million times, in this economy, unique niches (or unexplored corners) are highly valuable. If you are an artist whose practice speaks to a unique intersection, say based on genre, identity, or personal narrative, then you are an interesting proposition to advertisers, as you are prospectively establishing new territory to sell people stuff. Brands, as patrons, want you to establish new territory on their behalf, and be first to that party. So, for example, if now millions of people have the tools to create good-enough-Jeff-Mills-derivative techno tracks, it only makes sense that the distinguishing logic that someone might use to opt to support producer X over producer Y would heavily focus on tangential narrative elements. So much so that these narrative elements become the main source of value when competing with art of similar formal characteristics. Those tangential elements are perhaps better understood as metadata; equally optimal for growing new audiences and courting the interest of brands looking to achieve visibility in new niche markets. The original indie pioneers did a great service to music, but let’s be real, have left us all an impossible legacy to continue. Record sales = money in the bank = options. Period. Options to say no. Options to do wild, and risky things. Who has those options today? Where would the money come from? So the original indies, as far as I can tell, were predicated on two firm principles: 1.The majors were corrupt, strong armed bad music into the popular spotlight, and ignored radical new developments in music creation and localised scenes that needed to be represented. 2.On the other hand, being independent meant doing what you wanted, however you wanted it, with no-one above you influencing your creative decisions. Self sufficiency basically. People who colluded with brands were considered sell-outs as they had to tame their vision to appeal to a wider audience and secure that funding. I know of more people who cite concerns about the gentrifying effects of transnational cultural institutions spending money across the globe, but lets be honest, indie music scenes of socially mobile young artists were doing just fine at gentrifying neighbourhoods before brand money got involved. So, in the vast vast majority of cases, what is the inconsistency here? Warp, or Dischord, or 4AD, or whatever, aren’t communist enterprises. They aren’t radical free culture enterprises. No. They are and were, for better or worse, entities that made great strides to support the individual visions of unique artists, and helped them to gain prominence in the market for music, and for a period of time symbiotically reaped the rewards from sales of that work. I think that in many ways, the foundational logic of independent music won. Now large portions of the economy are predicated on the promise of individualist independence. Everyone is free to self publish their unique perspective, and hypothetically find an audience for it online. That being said, we hardly live in a utopia as a result.

It is no secret that many of the original indies were founded by the wealthy, or in many cases by middle class entrepreneurs who could afford to dedicate their 20s to a speculative cultural business. Equal ability to publish something means nothing when only those with the ability to fund promotion of the work are discovered. I’ve said it before, there will be an abundance of free culture, and free time, in the slums. Amazon can produce your product cheaper than you can, and strong arm you out of business unless you work with them. Facebook can acquire any competitor before they become dangerous. Pop music can appropriate and spit out your micro-scene before it has any ability to generate its own momentum, or it’s own funds.

In 2019 we all work for Kanye, only some of us figured out how to get paid for it.

So in the absence of the ability to accrue a foundation of wealth and stability for new music, independent artists who gained prominence via the centralised media channels of the 80s and 90s will reign supreme over the long tail of precarious younger artists until the day they choose to call it quits. The gravitational pull of those artists who established the categories by which playlists, and festival line ups, must orient themselves to reach enough people, dictates that most new music emerging needs to flatter the formal and conceptual foundations of those pioneers.

There is going to be a whole lot more music that flatters the impressive legacies of Aphex Twin, Bjork, Timbaland, Missy Elliott, Aaliyah, Jeff Mills etc as those are the kind of petrified shapes of envelope-pushing music from just before when the volcano of Web 2.0 went off 🌋 .Radical musical culture circa-1996 preserved forever, like the ruins of Pompeii - or as I believe Mark Fisher (or Simon Reynolds, or both??) referred to it, a kind of permanent 1990s.

Well on the one hand, the platform monopolies like Spotify and Youtube are going to continually erode your influence with every new person that comes online. Their algorithms will direct traffic away from your priorities, and towards theirs, and to survive in that ecosystem you will need to satisfy their agenda. Doesn’t sound too independent does it? Journalists will have to write more about what Spotify prioritises. Artists will have to make work to satisfy the debased formal requirements of those platforms. Labels will be shoo-ed off like annoying pests that are messing with the platforms long term vision. Really bad, and a great reason to be really angry at that particular logic of culture.

If your previous raison d’être was to support marginal communities, and weird music, you are probably going to end up being out competed by their models. Models that manage to leverage brand money to support those communities will grow and grow in prominence. The thing is, if you are playing exactly the same game, and one entity found a model to support exactly the same thing that you have supported traditionally, but more effectively, then you are probably going to lose that game. It sucks, but that’s what is likely going to happen.

I think the ‘cultural cartography’ model discussed before is quite precarious, as of course they too need for new and diverse things to actually be happening on the ground in order to maintain the model that they have built. Companies dependent on brand money are always a few emails away from being out of favour. State supported festivals are very fragile to that possibility too. As the popular narrative that Spotify is ‘solving the problem’ of music proliferates further, it is going to become increasingly difficult for people to convince brands, or an increasingly conservative state, that these niche pockets of music we might care about are worth the investment. Stat-supported music, if unimpeded, will come into direct conflict with state supported music.

So I actually think it is in everyone’s interests for new models to emerge.

I think some of those models can be complimentary to the institutions we have today, and some can be wholly antagonistic, and ideally we would see both come to prominence in the next few years for the health of scene development across the board.

As I said before, one reason I see things going south for competitors to the brand-aligned organisations is that they are competitive. You solve this problem quite easily by becoming uncompetitive, and doing something they can’t or won’t do.

One thing brands or their intermediaries can’t do, for example, is distribute ownership under a cooperative model. They literally can’t. But there are all kinds of reasons why that might make sense for various different cultural scenes or organisations.

Co-operativising creates loyalty and an alignment of interests between an organisation, festival, artists and audience.

Co-operativising allows for collective strategising towards common objectives. Rather than funds being ingested to the benefit of one artist, in competition with another, those same funds can be channeled into infrastructure that helps everybody and keeps the culture afloat.

So what of decentralization? To explain what decentralisation is, I’m going to borrow from Ethereum founder Vitalik Buterin’s model, which is focussed on technical infrastructure but has application beyond that.

He breaks decentralisation into 3 groups:

Architectural (de)centralization — how many physical computers is a system made up of? How many of those computers can it tolerate breaking down at any single time?

Political (de)centralization — how many individuals or organizations ultimately control the computers that the system is made up of?

Logical (de)centralization — do the interfaces and data structures that the system presents and maintains look more like a single monolithic object, or an amorphous swarm? One simple heuristic is: if you cut the system in half, including both providers and users, will both halves continue to fully operate as independent units?

Benefits of decentralisation in the context of music:

1) the network/archive is hard to take down. If Soundcloud fails, what happens to all that music, and the activity around it? If a magazine goes down, what happens to all of that history?

Decentralised, nodal systems like blockchains, or torrent networks, are resilient both architecturally and logically. You can’t cut the head off them. It took the state to take down What.cd for example, such was its resiliency.

Projects like IPFS propose a peer-to-peer immutable web, a web that can never be taken down, fortified by a nodal structure not dissimilar to torrent seeding.

2) regarding political decentralisation, this can be approached by entertaining ideas of common ownership. Rather than a centralised team at Spotify, or Youtube, making decisions that determine how your artwork is distributed, or the logics by which some work is made more visible, and prioritised over other work, politically decentralised networks entertain the possibility of pluralistic and democratic decision making.

3) Decentralised networks, when dealing with an open source code base, also allow for forking. If you don’t the way things work, you are encouraged to take the code and build something that disagrees with it. Over time what this mechanism creates is a healthy competition of ideas, and participant choice.

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your-dietician · 3 years ago

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Notre Dame new beginnings as NCAA football recruiting dead period ends

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Notre Dame new beginnings as NCAA football recruiting dead period ends

Drayk Bowen, for one, was appreciative that Notre Dame skipped the gimmickry of a football recruiting midnight madness earlier this week and drenched the start of potentially the most pivotal — and frazzled — recruiting month of the Brian Kelly Era in normalcy.

After a pandemic-induced, 15-month NCAA recruiting dead period of no (hosted) in-person campus visits and an overdose of Zooms, the largely universal knee-jerk template put in place at many college football programs across the country for Tuesday’s reopening was a mixture of pomp and chaos.

Notre Dame chose instead to be calculating and evolutionary.

Bowen, an elite linebacker prospect from St. John, Ind., and Chandavian Bradley, an ascending defensive end prospect from Missouri, along with their parents were the only invitees on Day 1. Bowen tagged along with new Irish defensive coordinator and linebackers coach Marcus Freeman, while Bradley got one-on-one time with defensive line coach and recruiting coordinator Mike Elston.

The structure of the visits themselves was right out of the pre-pandemic playbook. Who was taking those visits is what was different and significant.

Both visitors are 2023 recruits, players who will be high school juniors in the fall. Bradley, unranked in the Rivals top 100 and No. 90 nationally in 247Sports’ early playoff rankings, has the traits. productivity and the frame (6-5) to grow into a five-star prospect, even if he’s only 205 pounds at the moment.

Bowen, No. 16 in the Rivals Top 100, is already on that five-star trajectory, with a work ethic that will make that difficult to dislodge.

Before getting in the car with his parents to come to South Bend Tuesday, the 6-2, 215-pound Bowen performed his daily 5:30 a.m. ritual or speed work and lifting before making the 30-minute drive to Andrean High School in Merrillville, to take final exams.

“Drive is something I saw in my parents,” Bowen said. “My dad built a business pretty much from scratch and built it into a multi-million dollar business. My mom worked a couple of different jobs to provide for us. So I got it from them.

“Obviously, I want to be the best — the best player I can be, the best teammate, the best person, so wanting to be the best kind of drives me a lot too.”

► Related:Inside Recruiting: How Notre Dame will finish at WR and CB, and looking ahead to 2023

► More:Chat Transcript: Talking Notre Dame recruiting ramping up and portal possibilities

Twelfth-year Irish head coach Brian Kelly, meanwhile, is driven by the incessant questions pushed at him of how he’ll close the gap with College Football Playoff bullies Alabama, Ohio State and Clemson, as well as his own self-imposed directive of Notre Dame starting to produce top five national recruiting classes on a regular basis.

June thus becomes an important and overt benchmark toward turning rhetoric into results, though the momentum has been building behind the scenes for months since Alabama’s 31-14 dismissal of the Irish in a Jan. 1 playoff semifinal.

The Irish currently stand fourth nationally in both the Rivals and 247Sports team recruiting rankings after finishing ninth in both in the 2021 cycle.

“There have been two major changes with Notre Dame recruiting that are paying big dividends,” CBS Sports recruiting analyst Tom Lemming said. “They’re swinging for the fences in terms of who they’re going after.

“Marcus Freeman came in, and he’s not afraid of anybody or anything. That’s rubbed off on the rest of the staff. And Mike Elston, as recruiting coordinator, enhances that approach with impressive organization and creativity.

“Also key is Notre Dame is now evaluating and offering kids earlier than ever before. In the past, they were always about a year behind Alabama, Ohio State, Clemson, Georgia and LSU — and they couldn’t catch up. Those schools had already established strong relationships before ND ever got involved.

“Now they’re on top of the 2023 kids and getting them on campus. They’ve even offered some 2024 kids the past few weeks. When was the last time Notre Dame offered a freshman? Never. Kelly lit a fire under these guys. And you’re going to see that pay off with the 2022 class.

“But you know what — 2023’s going to be even better.”

That would be an indication, if it came to pass, that Kelly coaxed a sustainable recruiting shift and not a one-cycle bump from its playoff appearance.

What that will look like this month is a blend of camps, official visits, unofficial visits, rolling out Notre Dame’s name-image-likeness potential in the imminent new amateur sports model, and blending the transfer portal into all of that.

Two potential 2021 starters — Tulsa cornerback Akayleb Evans and Marshall All-America offensive guard Cain Madden — visited this week as grad transfers.

Madden became the first verbal commitment of June on Friday when he selected the Irish over ND’s season-opening opponent, Florida State.

On Sunday ND resurrects its Irish Invasion Camp, a key evaluative and exposure tool that will draw 90-100 prospects from the 2023 and ‘24 classes. There’s quality to go with that quantity, though many of the campers are prospects that are ascending or underexposed to this point.

Still between the Irish Invasion and regular visits, like the ones Bowen and Bradley took, 16 Rivals top 100 prospects and counting from that class will get a taste of Notre Dame in June.

“That’s a Notre Dame trump card, to be able to be holding these visits in June,” Lemming said, “when the campus is as beautiful as any in the country.”

The Irish recruiting staff opted to wait until the weekend of June 11-13, when its players returned to campus for summer school and workouts, to introduce the 2022 prospects into the equation.

‘Last piece of the puzzle’

The NCAA didn’t alter the existing recruiting calendar when it truncated the dead period, meaning schools had just four weekends before the fall to shoehorn in all their official visitors. The Irish will do it in three, along with some midweek visits.

“The competition to get 2022 kids on your campus was fierce, given the limited number of weekends,” Lemming said. “Notre Dame was pretty much able to get every kid on their wish list to commit to an official visit, which is huge.”

That includes 13 players ranked in the top 100 of Rivals, 247Sports or both. Notre Dame begins the month with 13 players already committed in a class that’s likely to number 26 or 27 when the December signing period rolls around.

“I think you’re going to see a lot of these 2022s commit quickly,” Lemming said. “They’re antsy. They’re tired of talking to the coaches on Zoom. The visit is the last piece of the puzzle. Even some of the sophomores may be quick to commit.”

Bowen won’t likely be one of them. He’s got a full summer of travel baseball and unofficial football visits to take. He followed up his ND visit with a tour of Michigan on Wednesday. Clemson, which offered the morning Bowen visited ND, will get a visit next week as will Tennessee, Ole Miss and perhaps Ohio State.

Then after more baseball commitments, he’ll take an Alabama-Auburn-LSU swing at the end of June.

“The way I was looking at it, I wanted to visit colleges, get to meet people, see the campuses,” Bowen said. “Probably start narrowing down after that. So that was kind of my timeline.

“Then maybe mid-junior year — the end of football and the beginning of baseball — is kind of when I wanted to almost be done with it, be able to be done and just enjoy senior year.”

To land Bowen, Notre Dame will have to theoretically beat out at least five of the six schools that comprised 247Sports’ top six classes last season.

An unexpected bounce in favor of the Irish is the surge of the Notre Dame baseball team under second-year coach Link Jarrett. Notre Dame is the overall No. 10 seed in the NCAA Tournament, and hosting a regional this weekend for the first time in 17 years.

► More:Notre Dame feeling good going into NCAA baseball regional in South Bend, ready to see fans

Bowen is familiar with the careers or two-sports Notre Dame stars Jeff Samardzija and Cole Kmet, and the shortstop/third baseman wants to try it himself.

“It wouldn’t be a deal breaker, but I do want to do both,” he said after touring the Irish baseball facilities and meeting its staff during his football visit Tuesday.

Whether he sticks to that notion, those who have studied Bowen’s game believe his best football is ahead of him.

“He’s going to be a Butkus Award favorite in 2022, and he plays like one now,” Lemming said.

“I think when you watch him, it becomes very obvious that he’s just relentless on defense,” Andrean coach Chris Skinner added. “On any given play, he’s going to find his way to the ball regardless of what side it goes to, where he’s at.

“You take obviously a high-end physical skill set and match it up with this relentless enthusiasm for the game. And then you talk to him and you find out that he’s a straight-A student and works harder than the average high school student (4.17 on a 4.0 scale).

“He really does study the game of kind of understanding the pass concepts of the opposing team and what windows do they want to be in? When you throw it all together, it’s pretty cool to think about.”

The same might be said of Notre Dame recruiting by month’s end.

“There’s a lot coming at the coaching staff and the recruiting support staff this month,” Lemming said. “But it seems they have a plan for everything, including how to personalize visits when the sheer number of kids visiting would seem to make that impossible.

“Notre Dame was never going to be great in recruiting unless they changed their ways, and now they did. I’m excited about the way they’re going about it now. I’m excited about what that can turn into down the road for them.”

Follow ND Insider Eric Hansen on Twitter: @ehansenNDI

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merriammusicinc · 5 years ago

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Kawai ES8 Digital Piano Review & Demo - RHIII Action, Harmonic Imaging, USB Audio

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Introduction

The ES8 from Kawai, first introduced in 2016 and re-released in late 2019 with some minor engineering improvements, is one of the most well-liked digital pianos on the market today. It's popularity stems from the RHIII action with triple sensor and let-off simulation, the unique and highly efficient onboard speaker systems, its extremely attractive gloss black finish and available designer stand, the onboard accompaniment styles, and world-class piano tone generator onboard.

It's a digital piano that's extraordinarily well equipped for any musical occasion, whether on stage, in your home, or in studio.

We hope you enjoy this video review and accompanying article by Stu Harrison of Merriam Pianos.

Kawai ES8 Portable Digital Piano Review Video Transcription

Hi everybody and welcome to another digital piano review. My name is Stu Harrison, we're here at Merriam Pianos and today we are taking a look at the Kawai ES8 digital piano. We're gonna be covering everything on this instrument, talking about its action, talking about the sound, and all of this beautiful luscious tone that we get out of this instrument, and of course discussing and reviewing all the features that you get with the ES8. If it's the first time to the channel we'd really appreciate it if you subscribe. We love the support and of course, we like to keep you up to date with all things piano. So let's get started right away and dive into the Kawai ES8 portable digital piano.

Sounds and Tone Generator

Hey everybody, so let's get into the sound of the Kawai ES8 digital piano. This instrument is loaded up with Kawai's Harmonic Imaging XL technology. That sounds very fancy. What does it actually mean? Well, this is about the 5th or 6th generation of Harmonic Imaging chipsets or, you know, algorithmic updates or enhancements that Kawai has come out with since their Harmonic Imaging technology hit. And I think the mid-2000s is when this really first came about. So they've been working on this for a while. And the ES8 was one of the first instruments to receive that chipset as well as the updated Shigeru Kawai SK-EX concert grand sample set. So this was a big leap forward in terms of sound technology when the ES first came out and quite frankly the ES8 is still standing up to even the most stiff competition from Roland and Kawai - and that partially is owing to the fact that we have 88-note piano sampling, a rather unusual feature for a stage piano. We actually have also just done a Roland FP-90 versus a Kawai ES8. You can hear the direct comparison there. You'd be surprised even a few years after this ES8 has been out of the market how well it continues to stand up to the competition in terms of the realism of the sound, in terms of how complex that tone is. It's equipped with a 256-note polyphony capability or potential which for acoustic piano playing you're really never gonna run out or max out 256. Even with a basic accompaniment track that's running through sort of a MIDI triggered accompaniment track it's gonna be very difficult to run out 256. So you got plenty of polyphony and you've got this lovely SK-EX sample set.

It's a very dynamic sound, and that's one of the first things you notice when you're playing it, is when you're really down in the lower volume ranges it's this dark, very luscious sound. But the minute you start to build some volume... you start to get all of these upper partials out of it, it brightness the sound up. Now, this is something that happens to an extent with almost all really good high-quality digital pianos, but I notice it more on this than most. This dynamic nature of the tone. This has a few dozen sounds on it. It's not an instrument that comes with like these 300 or 400 sounds that you might be looking at or, you know, researching with something like the Roland FP-90. The number of tones is quite low but the quality of each of the tones is really quite exceptional. There's only a few patches on here where I would go, that's, you know, a bit of a poor effort. But for the most part, you're looking at sounds which are really lush, very, very believable. Wow, that's got such a nice broadness to it. That's the EX concert grand sample we were just listening to right there. Jazz piano, warm grand, pop grand, it's nice. SK5. Oh, that's gorgeous. Not quite the same overtone complexity that you get out of the full SK, but still quite lovely.

The other instrument sounds beside the acoustic piano options are well done and very believable. Specifically, the electric piano sounds on here I love. They're thick, they're very warm. The phaser, chorus and tremolo effect, accessible through the effects and amp simulator on here is quite believable, to be honest, and the reverb engine is also very well executed. It also includes rotary speaker for drawbar organ patches, and guitar/keyboard amp simulations

Then you've got harpsichords, and mallet strings, choirs, and a couple of bass tones on there as well. It's also very easy to match two sounds together in a layered blend. You just press and hold the two categories you want, you get there. It's also easy to split the keyboard into two so you get one sound down here and one sound up there, and the four hands mode which is great for teaching or duets.

Speaker System

Driving all of this is this beautiful onboard speaker system. Now, on paper, this is not that powerful. I think it's 30 watts in total, 15 watts aside. That used to be considered pretty beefy. These days when you've got like an FP-90 coming out with 60 watts you'd think, okay, the ES8 might now start to feel underpowered compared to what other companies are putting out there. This is really not the case. And I think it owes to the fact that Kawai has designed the speaker boxes in here to be really super efficient. And we've got like air inlets on the bottom of the machine. You can sort of see them, it almost looks like it's kind of a subwoofery looking air inlet. I don't know speakers that well, but I know that that looks fancy when you look at it from the bottom of the ES8. So the speaker boxes are designed sort of as self-contained units and it's got two two-way speakers in there and then these sort of air ports on the bottom. I don't know how that contributes to the sound, but what I can tell you is that for 30 watts this thing generates a ton of sound, enough that if you're in a small or even a medium room and you're playing for yourself you do not under any circumstance need an extra amplifier or to plug it in to a stereo to reinforce the tone. We've got plenty here. Yeah. Anyway, so that rounds out our discussion on sound for the ES8.

RHIII Hammer Action

The action on the ES8 is what they call their RH3 action or Responsive Hammer III keyboard action. It is fashioned after similar plastic counterweight actions that are graded heavier in the bass and lighter in the treble. This is an action which they have installed in a number of their digital pianos. Think you can also find now a modified version of the RH3 from Kawai in Nord's new grand model, which is really cool but not surprising because you are talking about a very satisfying and a very accurate piano action. So it's got all the basics covered. We've got a nice micro-texture on the white key, sort of similar to like a NEOTEX as well as the blacks thanks to Kawai's ivory touch key surface technology. So you've got good grip on there and it also helps to absorb a little bit of extra moisture. It has the escapement in there to add that extra little kind of flip about two-thirds of the way down, a little bit more realism. And it's got the triple sensor. This is a big deal for anybody who is using this for production or recording because when you look at the MIDI output from Kawai's triple sensor system and you compare it to other MIDI outputs it is really accurate. So you're gonna have to do less velocity editing if you're taking a MIDI feed off here for any sort of tracking or recording, which just is gonna save time but it's also more satisfying. It's just it does add to the sensitivity and the realism of the overall piano playing experience. So top points for the action, I would say that this action is designed or is going to feel a little better to people who already have some acoustic piano experience because there is a bit of an intentional sponginess to the bottom of the key bed that simulates what actually does happen on like a real grand piano, which you might not be used to if you're only coming at this with prior digital piano experience. You get used to it very quickly but it can initially give you the feel that it's kind of a heavier or a slightly slower action. It's really not the case, it's just your finger getting used to that extra little cushion at the bottom.

Other Features, Stands, Options

Now let's talk about the remaining features. We've already discussed the fact that it's got a nice selection of sort of fundamental piano patches or tones, your pianos, E-pianos, organ, yada yada. In terms of other functionality on here, Kawai's Virtual Technician allows you to go into the piano sounds and edit various parameters like how much the lid is being simulated open, string resonance, you know, hammer sound, damper resonance, let off sound, you know, key off sound, all those kinds of things. It's really quite interesting and it's fun to get in there and play around and edit them a little bit. Other functions, it's got a basic recorder, you can record USB audio straight into like an MP3 or WAV format with a USB key plugged in. That's handy. But it also has intelligent accompaniment. And what's nice is you can access that very easily without having to get into a menu or hook up like a peripheral device like a tablet or smartphone. So you just press rhythm section right there, it gives you the option of selecting your accompaniment mode. I personally find that one finger mode is actually the most useful if you're gonna be, you know, playing with some more complex harmony because it gives you the most amount of control. And then you've got the option to select through various rhythms and then there's sort of a AB rhythm mode. So I'm just gonna play this really quickly so you can hear it. And then you can flip into the next variation.

So you can have some fun with that as well. This has the USB port so that you can connect this to the computer, and you can also record to USB drive in either MP3 or WAV - high quality audio files straight to USB stick...it's actually pretty handy. It also has discrete audio line out so that you can run this into an amplifier or PA without defeating the local speakers. There's also a dedicated line in (mini stereo jack) that makes it easy to send audio from a portable device through the ES8's speaker system. That's separate from your headphone jacks, of course. And you've got two quarter-inch headphone jacks on either side at the front. That's kind of handy. And the ES8 also comes in two colors (black polish and snow white) and the option for a full furniture stand with a triple pedal system or just the slab as you're seeing now with the single pedal system.

And finally, it has all the basics as well: metronome, transpose, included high-quality sustain pedal (with available triple pedal system and designer stand), auto switching mono out to eliminate any weird phasing effect,

Conclusions

So there you have the Kawai ES8. It's been out for a few years, but an instrument that's still delivering tremendous value and a great musical experience to people out on the market. I recommend this to a wide variety of customers and a wide variety of settings. It's great for people who need an all-in-one portable piano, who are really focused on the piano experience and don't need a huge amount of power like to fill up a large room or they're gonna be tying into a PA. Works really, really well for that. I think this is perfect as well for small spaces, apartment, living condo, living townhouse, living where you have the occasional need to relocate it. Because, yes, you can get digital pianos out there that are, you know, in a similar price range and deliver similar specs or maybe even slightly better but they're in these big bulky cabinets, tough to move around. The ES8 stays portable, it makes it really easy to either change locations or just move it from one room to another. And of course, for people who are thinking about using this in some sort of a production setting even if it's, you know, semi-professional or professional, this action and the triple sensor, the MIDI output on this is good enough to be used in absolutely any pro setting. So lots to like here, hope you've enjoyed the review. Good luck with your shopping, and of course, try and get to a showroom and try one yourself.

Please let us know what you thought in the comments. We'll do our best to respond to every single one. We're here at Merriam Pianos. My name is Stu Harrison, and we'll see you back for more reviews shortly.

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bettydgunter90 · 4 years ago

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The Wealth Creator

No one could blame RealInvestors® Chief Visionary Sherman Ragland if he had shied away from real estate after his first introduction to the industry. When Ragland was in junior high school, he begged his mother to take him to a real estate seminar that someone he saw in an infomercial was hosting. He bought a pair of expensive cassettes only to find out the host would eventually go to jail for fraud.

The event only strengthened Ragland’s resolve for real estate, however.

“It didn’t deter me from wanting to pursue real estate success,” he said. “I got my real estate license while in college when I was 22, competed for a national fellowship to attend the MBA program of my choice, and ultimately chose the Wharton School of Business where I got my MBA in real estate development.”

A Real Estate Career Is Launched

Ragland’s first job out of school was Chief Financial Officer (CFO) for a major land development project the Xerox Corporation was building in the Washington, D.C. area. He saw the opportunity as a chance to not only work on a large-scale project, but also return to his hometown of Washington, D.C. and pursue a commercial real estate development career. It was also a chance to work for some of the biggest real estate developers in the D.C. area—Xerox Realty as well as the Oliver T. Carr Co.

After working on major projects in the D.C. area, Ragland started his own company in the early 1990s. His firm mostly handled walkouts and took on busted loans from the savings and loan industry. The company also did a lot of work for the federal government for 12 years, achieving significant accolades for its work, including recognition from the White House.

It was in the late 1990s when Ragland decided to go back to what he really had a passion for—real estate investment and development.

“When my youngest son was born in 2001, I remember saying to my wife that I really wanted to focus on real estate,” he said. “She said it was a great idea, and I went to a four-day event in Atlanta. It was funny because they keynote speaker was this up-and-coming investor, (Rich Dad Poor Dad author and businessman) Robert Kiyosaki that no one had heard of who had this board game and book that was going to be coming out in six months or so.”

Ragland also met Steve Cook, another real estate investor at the event. When they returned to Washington, D.C., Ragland paid $500 for a one-on-one mentoring session with Cook on how to get his first real estate deal.

“It’s funny because here I was, somebody who had a career in commercial real estate, an MBA in finance and real estate development, and Steve by his own admission ‘barely made it out of high school,’” Ragland said. “[But], here’s a guy that basically taught me to fix and flip houses for my first year as a full-time real estate investor. I was fixing and flipping houses and the more I did it, the more people would come to me and say, ‘Hey, how do you do it?’ That’s how I got into the education business. People asked me, ‘Hey, can I look over your shoulder?’ Soon I became the ‘go-to guy’ in D.C. area real estate.”

Sharing Real Estate Knowledge through RealInvestors®Ⓡ

Ragland and his RealInvestors® Team have let a lot of people look over their shoulder and learn about real estate investing since 2001. The company began as a local networking group that helped one another out with real estate matters. It eventually turned into the largest real estate club on the east coast—the D.C. Real Estate Investor Association (DC-REIA). By 2003, it became clear that people really wanted to learn about real estate investing as it’s done closer to home. At the time however, there were a lot of speakers going around the U.S. pressuring attendees to sign up for training that was centered around going to out-of-town boot camps.

“The challenge with boot camps is they are a three-day event and by the time your credit card statement shows up, you don’t remember half the stuff you were taught in those three days,” Ragland said. “So, we started doing training in our own backyard for local investors in the D.C. market. We were doing a session one day when somebody asked what we called ourselves. I said, ‘I don’t know, RealInvestors®.’ We went online and found that nobody had grabbed the domain name.”

The club soon started its own training programs that consisted of a day of training at a hotel and then 30-45 days of “hands-on” training at local properties. The hotel company asked what they wanted to call the event, and Ragland replied “Real Investor Training.” That same weekend he registered the domain names and the training program was known as RealInvestors® from that point on.

Located in Prince George’s County Maryland, RealInvestors® had to go through a number of processes to comply with the county and state regulations so it could offer formal training in a permanent facility. The company purchased a 5,000 square foot building and then became a licensed trade school and the Maryland Higher Education Commission approved it. RealInvestors® is the only real estate investor school in the U.S. that a higher education commission has approved. The Maryland Higher Education Commission has also regulated popular colleges like Johns Hopkins and the University of Maryland.

“We’re in the same peer group as (those schools),” Ragland said. “So with that, we have to provide a curriculum and go for an annual review. We’ve done everything except get accredited, but we’ve thought about that from time to time. We are licensed and sanctioned by the state.”

RealInvestors® also offers certain classes under career school programs like the 60-hour real estate agent licensing program as well as continuing education (CE) classes, which a state agency regulates. The courses are part of the RealInvestors® Academy, which students pay a small membership fee to join. Classes are now offered in a 10,000 square foot campus located just east of Washington, D.C. where people learn to become real estate investors within a 90-mile radius of the White House. Programs offered vary from getting started in real estate, “quick-cash” real estate strategies, transitioning to commercial properties, raising capital, and using crowdfunding.

“There’s something for everyone from the newbie to the more advanced investor who’s looking to really take it big time,” Ragland said. “I have a project now that I’m working on that’s a $10 million deal. Steve Streetman who co-teaches a commercial course with me just raised a $26 million fund. I would say a big part of sustainability and resources is can you actually take somebody who knows nothing about real estate and help them build a $26 million portfolio.”

Streetman did his first commercial deal with RealInvestors® 10 years ago, not knowing anything about commercial real estate, according to Ragland. Six years ago, he became a RealInvestors® teacher and started to put together numerous deals using cryptocurrency and crowdfunding.

“That’s ultimate success to me—the fact that you can continue to not only educate people, but as time goes on, those people that you educated now become successful real estate investors and teachers,” Ragland said.

By having students become the teachers, RealInvestors® is consistently expanding its curriculum. Ragland admitted that when the academy was first starting he questioned the need to go through so many certification hoops just so he and his team could teach some real estate classes. In hindsight, he realizes the process was worth it so RealInvestors® can be a longstanding educational resource.

“This is the same certification process that a Johns Hopkins University has to go through,” he said. “It causes you to think about how do you create something that is sustainable, something that has longevity and is an institution. That’s what RealInvestors® has become—an institution.”

Closing the Generational Wealth Gap

One of RealInvestors’® goals is to help members solve their real estate investing challenges in part so they can create wealth that they can pass along to their children and grandchildren. Ragland noted the large wealth divide in the U.S.—which unfortunately falls along the lines of ethnicity. African-Americans have one-tenth of the wealth of non-African-Americans and Hispanic Americans have approximately one-eleventh of the wealth, according to Ragland.

“Fundamentally, if you look at the absolute numbers in terms of where wealth comes from, it comes down to just one thing: home ownership!” Ragland said that “The vast majority of African-Americans do not own homes, and it is similar for Hispanic Americans, while the vast majority of non-African-American and non-Hispanic whites do own their home. I’ve been a student of these facts before social justice and wealth building was popular.”

The motivation for Ragland’s interest in wealth building through real investing came from close to home. His daughter approached him one day and said she was thinking about buying a house and needed advice. They had a series of conversations and Ragland guided her though how to purchase her first home. That led to more people asking him how she did it.

After getting a large amount of inquiries, Ragland sat down with his daughter again about everything they had discussed. This time however, he recorded the conversation. The transcript turned into a series of TV appearances on the topic and an Amazon best-selling book, 7 Simple Steps to Getting Your Own Home!, which discusses the wealth gap and the importance of home ownership.

Today, home ownership is a family affair for Ragland. His three children all own real estate (even his youngest son who is a college freshman) and all three are on the path to financial security because of it—an achievement that Ragland calls his “most important accomplishment.”

“The reality is, the wealth gap can be closed in one generation if people just get serious about home ownership as that first step,” Ragland said. “After you get your first home, don’t stop. Get another rental property and then another rental. It’s almost like a game of Monopoly—four green houses, roll them up into a red hotel, except they aren’t hotels, they’re apartment buildings. And the formula for creating wealth isn’t hard. You just have to pay attention, find yourself a mentor, and be willing to get out there and actually do it.”

Ragland also noted the easiest way to close the financial gap is for people to pay attention to what they’re spending their money on—including how much they’re spending on rent versus what would that same rent payment would look like if were applied to a mortgage.

“I think most people realize they could probably get more housing if they took the same dollars that they are spending on rent and dedicated them to a mortgage,” he said. “Granted, it might cause them to move outside of an urban area and to a suburb. Case in point, my oldest son and girlfriend were paying $3,800 a month for a one-bedroom apartment in Washington, D.C. Finally, he said, ‘This is insanity.’ They’re now in the process of buying a four-bedroom house about 15 minutes outside of the city.”

Home ownership can be the first rung on the ladder to creating wealth, according to Ragland. In as little as three to five years, anyone can follow our system and own five to 10 rental properties if executed properly. Those rental properties could pay you between $5,000 and $10,000 a month in passive income in the Maryland/D.C. area. For many people, that is enough to be able to retire, or at least have your spouse leave their job and come home.

“That gives you real choices in terms of what you want to do with your life,” Ragland said. “If you go to work, you go because you love the job, not because you need the paycheck.”

Develop an Ownership Mindset

Whether someone owns one property or 10, it’s important they think of themselves as a real estate investor, Ragland says. His thinking is home ownership draws a distinct line between the consumer and the producer. If someone spends their whole life consuming, they may look at life as, ‘What can I consume next?’ The producer meanwhile has a very different mindset.

“It’s the mindset that says, ‘My wealth is dependent on what I do’ as opposed to a mindset of, ‘This happened to me at work, or I got laid off, or it’s my employer’s fault,’” Ragland said. “You just look at things through a different set of lenses.”

And it doesn’t matter if you have one property or a hundred.

“Once you put yourself on the side of ownership or investor-ship, you begin to look at life very differently. You realize that your capacity to create wealth for you and your family, and then teach those same concepts to other people is really just a function of how hard you want to work and not a function of catching a break,” he said.

Learn This Business by Doing It

When Ragland was in college, he had the opportunity to work an internship at the IBM Product center in the Inner Harbor in Baltimore. One day, Jim Rouse, a nationally famous real estate developer and founder of The Rouse Company, came into the store to purchase a typewriter for his wife. Ragland sold him the typewriter and two days later Rouse asked Ragland to come to his office and interviewed him for a job with his real estate development company. Rouse informed him he’d start in the internship program, become a developer and eventually a project manager. Ragland said the opportunity sounded fantastic, but informed Rouse that he had just applied for a fellowship and if he was accepted, he was going to the Wharton School of Business to get his MBA.

“I’ll never forget these words as long as I live,” Ragland said. “(Rouse) said, ‘Sherman, the Wharton School of Business is a very fine place, but you will never learn real estate in a classroom. You learn this by doing it.’ I would have to say that was the most powerful, impactful advice I ever got because you really do learn the real estate business by doing it. I got my MBA, and he was correct—learned a lot of stuff, but I did not truly learn real estate until after I started actually doing it. I learned most of the stuff about real estate after I got out of Wharton.

“It’s something I carry with me when talk about our training programs at RealInvestors® because all of our training programs are designed around real projects. If somebody’s doing a rehab or we’re teaching a rehab class, you are meeting with a contractor. You’re going out in the field with us as we’re buying a property.”

Ragland could have easily turned his back on the real estate industry when that seminar host was exposed as fraudulent when he was in junior high. Instead, he took the opposite approach and built a successful real estate development, investment and educational career. He didn’t quit—advice he gives to anyone interested in real estate today.

“Real estate can be confusing and it can be challenging,” Ragland said. “There are a lot of times where people feel like it’s not worth the effort, but they should hang in there just a bit longer. I’ll say to people if you need to take a break, take a break, just don’t quit. You simply need to connect with the right people who will let you look over their shoulder and don’t be afraid to follow in their footsteps. Most importantly, just don’t quit.”

The post The Wealth Creator appeared first on Think Realty | A Real Estate of Mind.

from Real Estate Tips https://thinkrealty.com/the-wealth-creator/

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hellosaltysaladcollectionstuff · 6 years ago

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SEVENTEEN AND HIGH, Nikki Darling swaggers down the middle of Garvey Boulevard, a busy thoroughfare in the San Gabriel Valley, as cars swerve around her: “‘Three Days’ by Jane’s Addiction is playing on my Walkman and I feel like I’m in a movie, like I’m an assassin.” She stands in the street with a cigarette hanging from her lips, with “someplace to be or maybe nowhere to go.” She taunts the cars as they pass: “Fly around me, motherfuckers! Fly around me like I’m not even here!”

In an opening scene brazen with feminine adolescent rage and emotion, Nikki Darling the author dares readers of her debut novel, Fade Into You, to come in close. By writing in the New Narrative style popularized by Eileen Myles (Chelsea Girls) and Michelle Tea (Rose of No Man’s Land), Darling keeps the veil between fiction and nonfiction purposefully thin, and having her protagonist carry her name builds intimacy. In an interview with the popular feminist podcast Call Your Girlfriend, Darling said she named her character Nikki because “being in the interiority of a teenage girl is not something readers are always familiar with.” In Fade Into You, Darling gives us more than an intimate view of a teenage girl; she gives us an intimate view of a young, mixed-race Chicana living in the suburbs of Los Angeles, the kind of portrait that is nearly nonexistent in L.A. letters.

Luis J. Rodriguez’s Always Running: La Vida Loca: Gang Days in L.A., an award-winning 1993 memoir that shares the tale of a young man struggling to survive gang life and addiction in the 1980s San Gabriel Valley, is the most notable and celebrated literary depiction of Chicanx teen life in Los Angeles. But not every Chicanx can identify with living “la vida loca.” Darling’s protagonist struggles to find her identity in a city that says to be Mexican can only be one thing, an issue many Mexican-American/Chicanx Angelenos understand. As Nikki thinks,

It would be my luck not just to be half-Mexican, but the wrong kind of Mexican. I am not from East Los. My people are borderlands, the frontera. I am a pale ghost of a bloody past. A daughter of the viceroyalty. A lady of Spain. But I’m not that either. I’m me. I’m SGV. I watch from the schoolyard as the sad boys mark up the EMF, throw down the emero. I live in the cool shadows of libraries.

I grew up in the SGV in the ’90s, and when I was 17 I liked to wear loose-fitting, faded blue jeans with a white T-shirt and blue Chucks. It’s how I felt most beautiful. One afternoon as I was sitting on the front stoop of my grandparents’ Boyle Heights home, my party-crew cousin from La Puente, in stiff Dickies and dark hoodie, looked down his chin at me and asked, “Eh, you like a rocker? You a skater? What are you?”

“I don’t know,” I said. I read his questions to mean, Why aren’t you more Mexican?

On a different day, a friend from my hometown of San Gabriel came with my family and me to that same Boyle Heights home for Sunday menudo. When my father parked in the driveway and I slid open the door to our Dodge van, she refused to get out. “I’m going to be shot!” she screamed, tears running down her face.

Her shocked reaction meant, I didn’t know you were that kind of Mexican.

By the late ’90s, I had not yet seen in books or TV these disparate expectations of what it meant to look and act Mexican. But I had seen them in two movies: My Family (1995) and Selena (1997). The latter, written and directed by Gregory Nava, put into words how I often felt, a dilemma perfectly articulated by Selena’s father, played by Edward James Olmos, as he rants to his family about the possibility of Selena touring in Mexico:

We gotta prove to the Mexicans how Mexican we are. And we gotta prove to the Americans how American we are. We gotta be more Mexican than the Mexicans and more American than the Americans both at the same time. It’s exhausting! Man! Nobody knows how tough it is to be a Mexican-American.

But Selena grew up in Corpus Christi, Texas, a vastly different setting from Fade Into You’s San Gabriel Valley, California, which in Darling’s hands becomes its own character. Schools, streets, and favorite hangouts of this L.A. suburb east of downtown are namedropped with acute knowledge, and the dialogue between Nikki and her friends — with all its dudes, mans, and bitches — is so accurate to the time and place it sounds more like transcription than fiction.

As I read, I was in awe of how much I had in common with Nikki. I, too, had a gorgeous, gay best friend I was in love with. I, too, studied theater. I, too, got high and went for pancakes at Denny’s before driving up to the mountains because they were close and we could. But as I moved further into the novel, I noticed another layer of the Mexican-American experience that is specific to the suburbs. Nikki narrates,

We are the kids of LA.

They write books about us. They make after-school specials about us. And none of it is the real us. None of it really captures who we are. But we eat it, digest it, and let it redefine us until we no longer know what is real and what is fake.

Nikki inhabits the parts of the SGV where teen movies and TV series such as Pretty in Pink and My So-Called Life are filmed, but these stories never center people like her. When she says, “They write after-school specials about us,” the us is never really us. The best we could hope for was to be the quiet and queer best friend, the Rickie Vasquez to the story’s Angela Chase. Hollywood used our streets but not our faces, and this became a kind of trauma.

I attended a private school in Pasadena not far from Casa Walsh and Dylan’s surfer bungalow (RIP Luke Perry), and my friends and I behaved as if we were characters on Beverly Hills, 90210 even though we were in 91107 and a good 25 miles from the über-rich neighborhood. Like Nikki attending a party at a midcentury home at the edge of South Pasadena, nearly everything we did felt cinematic: “Chelo and I walk into the party and I can tell things are about to get real cinema tonight. It’s a night when this city we live in really shows itself.”

To keep the fantasy alive, many classmates bleached their hair, and when people started driving, a good number opted for convertibles without concern for the make or model. But our proximity to Hollywood teen life affected more than our outward appearance — at least for me, it corrupted my very sense of self. I remember one day bounding into my house after being dropped off by a friend in her white convertible and catching my reflection in the large mirror that hung across from the front door. I didn’t recognize the person I saw. The image of my own brown face shocked me, and for a moment I was invisible.

Latinx people make up nearly 50 percent of the population of Los Angeles, with the majority being Mexican or of Mexican descent. And yet even though most films and TV shows are made here, I can count on two hands the number that center Mexican-American stories. In the afterglow of the 2019 Oscars, Los Angeles Times features writer and taco historian Gustavo Arellano tweeted, “Still waiting for Hollywood to give love to Chicanos.” Sure, over the last six years a Mexican director has won Best Director five times, but these are Mexican nationals, which is a very different experience. What of the immigrant families, children of immigrants, and multigenerational Mexican Americans who live in this town and help make it work?

The literary world maintains a similar sparsity. As a senior in high school in 1998, I read The House on Mango Street by Sandra Cisneros in my English class. Though it is set in Chicago, I saw a young, Mexican-American character in literature for the first time, and the book thrilled me. In my 20s, I obsessed over Michele Serros’s Chicana Falsa: And Other Stories of Death, Identity, and Oxnard (1993), and in my 30s I fell in love with Isabel Quintero’s Gabi, a Girl in Pieces (2014), which follows a 17-year-old, light-skinned Chicana who lives in the Inland Empire and loves poetry and hot Cheetos. Author Helena María Viramontes (Under the Feet of Jesus) also tells stories about young people living in East Los Angeles, but a nuanced view of growing up Chicana in the L.A. suburbs has been missing until now.

We SGV kids live close enough to Hollywood to be infected by its story lines and cultural sprawl, and yet only our streets are worthy of making it onto film. We live close enough to East Los Angeles to know we aren’t the right kind of Mexican, and yet we’re at the same time too Mexican. We are pushed into the margins of pop culture. So while Nikki Darling the character is walking down the middle of Garvey Boulevard dying to be seen, it’s Nikki Darling the author who’s shouting: We’re here! We matter! We live on these streets! And that’s a reflection I recognize.

Women Who Submit co-founder Xochitl-Julisa Bermejo’s work has appeared on Terrain.org and in KCET Departures. She is the author of Posada: Offerings of Witness and Refuge (Sundress Publications, 2016).

The post Invisible No More: How “Fade Into You” Reflects the L.A. Chicanx Experience appeared first on Los Angeles Review of Books.

from Los Angeles Review of Books http://bit.ly/2JR8b01

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nest-raider · 6 years ago

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How SEO 2019 Can Ease Your Pain

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dangerouscrusadefire-blog · 6 years ago

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Car insurance for a new driver?

"Car insurance for a new driver?

Car insurance for a new driver?

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

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Ive been looking into pet insurance and Im a bit confused.?

Ive been looking into pet insurance and Im a bit confused. When it says: wellness exam (split between two visits per year) $40 vaccinations $30 heartworm test $25 fecal test $15 deworming $20 microchip $20 flea and/or heartworm preventive $50 blood screen or x-ray or EKG $50 Is the dollar amount the price the insurance pays all year or per visit?

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I drive a 50cc scooter on my car licence. Been driving for 47 years. I was surprised when my insurance with Rampdale Insurance cost me 170 Full No claims etc. Im in the South Midlands. This is as much as I pay for a car. Is this the going rate for a small 50cc scooter.?

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Okay, so this is the deal. I have a 3.3 G.P.A. Not bad, right? Well, for one of my classes I actually have an F in for ONE of my Spring 2011 classes. Although I can get the discount, my parents keep hounding me for my transcript and I don't want them to see that F or I'm screwed. Can I still get the discount if I send the car insurance company my trancript from the previous semesters and not my most recent one?""

Car Insurance Question?

I have bad dmv record. An accident, a failure to yield and 2 speeding tickets within the last 3 years. I totalled my car and can only affod a car I can buy cash, which I have 18,300 dollars currently. Is there a max of how much the car can be worth for liability through the insurance agencies? I am thinking of spending about 14,000 cash and just getting liability. Is this a good idea? Or should I get a cheaper car? Help is very much needed. Thank you""

Car Insurance Payments?

Is the car insurance still in act even if I don't pay for it on the day the payment is due, or does the insurance stop and resume until I pay for it? And, if I don't pay the car insurance on time, will they charge me until I pay them?""

Has anyone used or made a fake car insurance card?

Okay I will be honest. I have been unemployed since September so money has been very tight and i havent been able to afford my car insurance. I have court tomorrow and when I was pulled over i didnt have my insurance card on me. I have court tomorrow morning and I have to bring my card with me. I still dont have valid car insurance. I am freaking out because I can lose my license over this. If i do how will i take my daughter to school how will I be able to look for work. I just cant bottom line! Now I have heard of people getting away with fake insurance cards for situations like this. Has anyone ever done anything like this before? If so can you please help me. Look i know this is very stupid and breaking the law. I have never had to deal with anything like this before. I could buy one of those cheap policies right now for the future. I told the officer though i was insured just didnt have my card on me. So thats why i need help right now. Please anyone a lot is at risk for me right now just because i had some officer on a power trip pull me over because I pulled into a tow zone to pick my daughter up from school one day. Please anyone it would be very much appreciated! I have my old card i can upload and tweak on photoshop but i dont really know how to use it im not very tech savy. Also idk if that would pass wouldnt the judge be able to tell?

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Why do i have to have my car inspected by my insurance company?

I just changed insurance companies and the new one wants to inspect the car which I never had to do before. How come?

""Got into a small accident with my mothers car. She has insurance I dont, what will happen?""

I was driving my mother's car, was in a small accident. I rear ended a car in front of me at a stop sign. Completely my fault. There was no damage to both cars but the driver called an ambulance due to neck pain. A police report was made. What will happen next? She has full insurance for the car with Geico. Will the insurance rate go up? Will I have to pay any fines? Will I get into trouble for driving her car with no insurance? My mother wasnt feeling well I was using her car to run errands. Thanks!""

Is full liability auto insurance the same as full coverage auto insurance?

Need advice on a life insurance policy for my parents.?

My parents are 67 and 57, and despite being the youngest of 6 children, I am somehow viewed as the most responsible. I have power of attorney over their estates. They trust me more than each other or any of their other children, because they know that I don't care about money for myself. I believe my parents have life insurance policies on themselves, but with the way they manage their finances the policies may very well have lapsed. I would like to open policies on both of them myself. I would like to get coverage for not only death but any life-threatening incidents so I can pick up the slack for them if their coverage is insufficient or doesn't kick in. I already have a policy on myself for $500,000, and I pay only $30/month. I'm sure that it'll be much more expensive for my parents, but this responsibility falls to me. My father is in poor health and probably won't make it another 5 years. When that happens I want to be able to pay off his house and any remaining debt, put on a nice funeral, and make sure that my mom has a financial buffer for retirement. Any advice on bringing up the issue of mortality with my parents, and getting their consent? Also, is there anything that I should know about policies for older people?""

""Car Insurance, young male?""

I'm 18, i applied for a 6000+ loan and was approved, I didn't even need a cosigner because my income is very good. Its too bad the insurance company's just DESTROY ME when I find a car I like. I dont wanna drive a damn beater, I dont care how much it will save me. I am currently insured under state farm, they told me insurance for a mitsubishi diamante vr-x would be about 2800 a year.... My family has been with state farm since my grandpa, we have insured over 30 cars in our familys, and this is just the terrible quote they give me!? Its despicable, I refuse to insure with them. What are some good insurance companys that will cost less? I already checked e-surance and the price was better by far.""

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Cheap Insurance for 17/18 year old in UK?

Currently I'm 17, going for my practical soon, I checked insurance for myself and it's over 15000 for a Vauxhall corsa 1999 reg. Does anyone know where to get cheap car insurance for under 25's?""

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Cavities before getting health insurance?

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Got in an accident with no collision on my car insurance?

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What cars are cheap and affordable for first time drivers ?

I am booking my driving test soon and looking to save some money for a car, already have some saved up, i wondered on any opinions on cheap cars, low-ish insurance and a reliable one. In the UK which i could buy.""

Any Cheaper Car Insurance..?

Hi I'm in U.K (young driver, no claims bonus). and ive just recently bought a nissan micra 1.0 R reg i got a quote from AA, churchill, norwich union, zurich and they all are giving me a price of over 1500 pounds. I have pass plus. Any cheap car insurance out there in U.K please help need to get one fast. Thanks""

Do any states not require car insurance by law?

Looking for a state that does not require me to have car insurance.

Look! Auto Insurance?

Has anyone heard of Look! Auto Insurance based in Michigan? Are they a legit agency? http://www.look-insurance.com/home.nxg

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Can a car insurance broker be wrong?

This insurance broker gave me a quote that is a lot lower than what i pay for my car insurance right now. He double checked my information and my driver's licence and gave me a low quote, while all the other brokers told me higher amounts. Could he be wrong? What if I say I want to switch to that insurance, and it turns out he cannot get that locked quote for me? what happens then?""

No claim bonus on previous car insurance?

HI I WOULD BE GRATEFUL IF YOU COULD ANSWER ABOUT CAR INSURANCE CLAIM BONUS DID 2 YEARS INSURE WITH FIRST CENTRAL INSURANCE FROM DECEMBER 2010 TO DECEMBER 2012 THEN STOP DRIVING AND NOT DRIVE FOR 13 MONTHS DO I STILL HAVE CLAIM BONUS I WAS TOLD YES IT EXPIRE AFTER 2 YEARS IS THIS TRUE? I TRY CONTACT MY PREVIOUS INSURANCE ABOUT THIS BUT NO REPLY YET THANK YOU

Do you really believe that America has the best healthcare in the world?

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Insurance through the military?

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Is medicare a good insurance plan or will a lot of things not be covered. I know there is no drug coverage.?

I recently started recieving medicare after becoming disabled, and pay over $100 per month to recieve this insurance out of my small disability income. I am wondering if this will ...show more""

Car Insurance question..Im confussed ?? ( uk )?

O.k so Im a new driver and bought a car and signed up with insurance which worked out about 60 a month. My car broke down beyond repair and I have suspended my insurance as had to scrap the car. Now I been on car insurance websites to compare many different cars to see which is cheapest and all my other details are same but no matter what car details i put (different ages/ values) but all small cars similar to my last vehicle the quote comes up double the cost at over 110. Why is this ?

Car insurance for a new driver?

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Can I get insured for a Volkswagen Golf GTI? (i'm 18)?

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If you work at GEICO what is your insurance rate for your car and house?

how much of a % off is it compared to customers?

Can you insure two people separately on the same car?

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How come Americans can't afford medical insurance?

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Me and my fiance are buying a new car, im 20 and hes 22. Its a 2010 Mazda 3. We already went to the dealership and got a good price on it and even 0% financing. Signed all the papers and now we are looking at getting insurance but its putting us back a little bit. The car is all ready to go but not until we have insurance. Any ideas on good cheap insurance or are we basically screwed?""

How to get a cheaper car insurance in new jersey?

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Insurance agents - Life insurance commissions?

Hello everybody, I am hoping to find life insurance agents working with different companies. my question is what is the commission I can accept to receive from different publicly traded companies what offere not only auto, home and others but also life and disability?? I am currently working with Mutual Company and I am a captive agent and only receive 35-55% commission on any life insurance produce i sell and it seems like it was important for me before to work for a mutual company and never was conserned about low commission, but I am also getting invoved with Auto and home insurances and i am hearing that these public companies offer higher commission and let me tell you now days I want to get higher commission becuase the industry has slowed down for me and I am interested to make the most out of what I do right now... any information about commissions with different companies would be appreciated.... I am open to any advise, suggestion, information, and comments.... thank you all""

""Car Insurance: What are premiums, legal fees and voluntary excess?

I have been trying to get car insurance quotes online but I dont understand what the above terms mean Also if my road tax (UK) is not due for renewal till thursday can i buy it today? Will they adjust the date for me. Any help will be appreciated Thank you for your time

Does anyone know the best car insurance to buy from with just the minimum required?

i am so sick of car insurance companies taking advantage of people with these super high prices just because the dumb law says you have to have insurance.

Do car insurance quotes go up daily?

I am being quoted much more now than a fortnight ago

How does car insurance work for a student learner?

I'm 21 years old and I just got a permit to learn driving in the state of Illinois. I do not live with my parents, I live with my aunt and uncle who have a car and have auto insurance. How does auto insurance work for someone in my situation? The car I'll be using to practice is not of my parents, and I myself have no auto insurance (I don't own a car or have a DL, obviously) Is auto insurance attached to the car and not the person? Suppose I'm driving a car which has auto insurance of my aunt and uncle, is the car still covered by the insurance? When I take the drivers test using a car that belongs to my aunt/uncle, they will obviously not be present in the car. Will I need to have car insurance at that point to be able to take the exam?""

Will Health insurance costs be lower now that they are making us get it?

How much will we be Taxed if we still can't afford it ?

Do insurance companies use mortality rates to set premiums and other costs for certain age groups? Why?

How much does your car insurance cost?

Im 18, third party fire and theift on a Nissan Micra and its 400""

Insurance companies rating?

I am thinking of changing insurance companies how do i check their rating.

Motorcycle Insurance?

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

What is the cheapest car insurance company in San Antonio?

I'm just looking for a liability insurance. Thankssssssssss!!

IM 19. I HAVE A FULL PAID CAR. WHAT IS THE CHEAPEST INSURANCE I CAN GET?

IM 19 YEARS OL. I HAVE A FORD CONTOUR. WHAT WOULD BE THE CHEAPEST ROOT I CAN GO FOR ONLINE INSURANCE. ALL I NEED IS COVERAGE..HELP!

I got a ticket for failure to show insurance in NJ . How will this effect my insurance rates.?

The day I got my car, I was got a ticket for not having insurance in NJ.I had insurance but paper had not come in the mail yet. I went to court and it was lowered to failure to show insurance and I paid like $185. How will this effect my points and and my insurance rates. Should I reopen my case and plea not guilty or see if I could get it dismissed and would I have to get a lawyer for that? Is it worth the money? This is my first ticket ever. I though he would dismiss my case after explaining my case but my public defender was really rude and impatient when I asked him If I could have the case dropped saying You're should be glad I am not getting your license taken for a year! which is true, but I had proper documentation so there was not way my license would have been suspended.""

Why did my insurance go up for switching cars?

I have liability insurance in the state of California. The company is multi state. Recently I switched the vehicle I have on the policy from a 2005 pontiac GTO to a 1995 lincoln town car. I am wondering why my monthly actually went up, vs going down. When I spoke with a representative they explained to me that the GTO is a level 21 and the town car is a level 26 . Was this true? I hardly understand how a 1995 4 door sedan is more costly than a 2005 400hp 2 door. I have had no accidents or tickets hit my record, in all, it only went up $15, but I'm still at a loss about why it went up. Thanks.""

Do you pay a lot of money for car insurance where you live?

Wher so you live an dhow much does it cost. I live in NY it the sh*t is HIGH.

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I'm Male 18 yrs old. I don't have a car yet. I finished taking DMV Written Exam. My problem now is the Behind the Wheel. My mom told me if she will include me in her Insurance, it will add her around $400 more. I'm planning to go to a driving school maybe to lessen the amount. My question is, if I would use the car of the Driving School, do I still need to have an Insurance? Any suggestions? Thanks!""

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I will be a sixteen year old male and im getting my lisence the summer before junior year i have around a 3.2 gpa and the main car ill drive is a 2006 honda pilot and my dad has a 2007 honda civic. Also my dad is insuraned through geico and same with my sister but shes at college. Around how much would my insurance be? I know its more cause im a male but I would just like a ballpark amount. Thanks.

Does car insurance cover this..?

my freind borrowed my car and he and his father went to the mall,his father got into a car accident which was his fault.now the car is totaled.i only have basic insurance does that cover my car or am i out of a car?""

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""California Life and Health Insurance, How can i Lower my Insurance rates?""

California Life and Health Insurance, How can i Lower my Insurance rates?""

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How much is insurance for young men drivers?

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Insurance Cost?

I'm 18 and I have a 3.0+ GPA and I'm a male. I'm looking to get a new 2007 Honda Accord two door manual transmission. I live in California in the L.A. area. Does anyone know the price range of my insurance?

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If a motorbike was stolen and returned with minimal damage why would the insurance company pay out twice what the bike cost?

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Last year I had Unitrin Direct....they were charging me $85 a month...this is with NO tickets or accidents for the last 5 years of my driving record....this is also with the BASIC insurance that you need in Florida...10/10/20...NO collision...and a $1000 deductible..... So at the end of my 6 months...it was time for a renewal...they tried to bump me up to $140 a month for no reason...still no accidents/tickets...nothing had changed...i had expected my rate to DECREASE....they tell me it's a STATEWIDE INCREASE ......so i called around... Ended up switching to Allstate who has been charging me $90 a month (better than $140 right?).....6 months go by, everything's cool.....now my policy renewal is coming up and they're trying to tell me i need to pay $160 a month for their basic insurance. Are you kidding me? And according to them it's another STATEWIDE INSURANCE INCREASE ...... They also told me that it could be due to not having CONSECUTIVE insurance for the last few years, as in...I switched from State Farm to Unitrin to Allstate......they told me call the state insurance commissioner...which I did.... Got connected to some guy in Gainesville who tells me that the INSURANCE companies are the ones who decide the rates and increases...not them. Pretty much BS....Allstate's blaming the state, state's blaming them...feels like a huge runaround to me. Guess my questions are.... Should I stick with Allstate and pay $160 a month for this absolute BASIC insurance (keep in mind..no collision, $1000 deductible)...my car's not even worth a YEAR of their insurance. .... Or shop around? But if I switch back to Unitrin or get Geico or whatever....will I risk having ANOTHER increase after 6 months? And is it true that one of the reasons for these statewide increases is not having consecutive insurance with the same company for so many years? Thanks all.""

17 year old car insurance prices ?

im comparing cars on moneysupermarket because im 16 an need a heads up on insurances costs etc... but i compared a classis mini 1.0- annual: 6000 and Monthly: 650 also, 2007 vauxhall corsa 1.0- annual: 8000 Monthly: 852 and a 1993 Ford Fiesta 1.1- annual: 12000 Monthly: 1152 now i can sort of understand the price for the mini, due to its a small car with a small engine, but the corsa's like brand new? how can the insurance be sort of lowish. but why are they charging huge amounts for a fiesta that is older than me and is probably falling to piece's slowly ? im so confused :S can some one help me and please explain this i really want to be able to have a first car at 17 but at this rate i might be stuck on a motorcycle for a few years then maybe have enough money to afford a car :/""

""How much cheaper would it be to go under my dads insurance for a van, if it was 2000 on my own policy? (Year)?""

My INSURANCE quote is around 2000 Annual for my Ford Transit Van. Im 17 years of age and would really like this to be a tad cheaper for the first year until I get my little own run Business going a bit more. Is there anybody who can give me an estimate on how much Im looking at if I went under my fathers Insurance? Cheers Guys! Jack Osborne. All Answers Appreciated. (Added - I am not able to get a quote from my dads insurance people so we are changing it over. Please do NOT give me nasty answers as these will be classed as immature) If you haven't got anything nice to say, Don't say anything at all.""

""I pay right now about $160 for car insurance a month. It's with progressive, and this is the cheapest I can""

get and it doesn't cover much at all it will only the cover the other car if i cause an accident. I live in midtown atlanta so this is why insurance costs so much, but does anyone know anything I can get cheaper? Is safe auto a good deal? Help please!""

A question about how much will insurance cost?

i am looking at a few cars , toyota mr2 which should be cheap on insurance because it's a classic car and im looking at a renault clio 1.2 now im just wondering because im nearly a 17 year old and wanting to know how much would insurance cost on these 2 cars thanks people""

""My brother wrecked my car and the Insurance wont cover it, what can I do?

While I was out of the country my brother wrecked my car and the insurance company wont cover it. I have full coverage and my brother had my permission to be driving my car so how can they refuse to pay?

Car insurance?

i live in northern ireland , just got a really good quote for car insurance from a company called endsleigh, i have never heard of them does anyone know if this is a good reliable company""

What are california's car insurance laws?

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

1999 Chevy Cavalier convertible insurance price?!?

I would like to know how much the insurance for a 1999 Chevy Cavalier convertible would be for a 17 year old driver with no tickets or accidents! Please help me out.

I live in NC and I cant afford my car insurance; I'm on disability and I can't drive.?

Can someone else get insurance and use my car and take me to appts.?

Do I really need travelers insurance?

We are taking a trip from Oregon to Cancun Mexico soon and am wondering if I should purchase travelers insurance. We are going to purchase airline tickets directly from Delta Airlines and also from our chosen hotel. I'm thinking that if there are any problems, the airline and hotel would take care of it. What are your thoughts?""

Which state has higher insurance rates texas or california?

I am getting stationed in San Diego and moving my car from Texas to California.

""I have AETNA insurance full coverage, and my hospital bill is $42,519, will my insurance pay all of it???""

i was in a sever car accident, lost control hit a tree. and my hospital bill is $42,519, for only 5 days in the hospital. No broken bones, no surgies. i only had a minor head concussion, and a few bruises. i have AETNA full coverage insurance and i am a full time college student. now will aetna pay all of the hospital bills..or do i have to pay some. im really confused.""

Car insurance for a new driver?

https://www.linkedin.com/pulse/affordable-health-insurance-medicare-solutions-cincinnati-jose-silva/"

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fancycollectionfury-blog1 · 6 years ago

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San Francisco California Cheap car insurance quotes zip 94128

"San Francisco California Cheap car insurance quotes zip 94128

San Francisco California Cheap car insurance quotes zip 94128

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

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I live in Massachusetts and it is more than 3000 per year (252 per month). I am 18 so i have only been driving for a little over two years and i understand the inexperienced driver thing, even though i have never had an accident or fender bender or anything. Anyway, when will this go down? I want to purchase a home within the next year or two, and i dont have a huge income so this takes a large chunk. I know that it varies by state so would i be better off in Connecticut? I know it is cheaper there but by how much... and what does your state have to do with it?""

Anybody know of any car insurance co's that will give auto insurance policies to 17 year olds??

I have a 17 yr old that has already gotten 2 tickets so I want him off my policy - as he is making it too expensive for me to afford - I told him he needs to get his own insurance. I already called my insurance and tried taking him off my policy (as I took away his driving privelages) but they told me I HAVE TO keep him on my policy even if he doesn't drive - He has a license and has to be covered under my policy because he lives with me - so I can't take him off til he gets his own insurance. My problem - most co's will not issue a policy to anyone under 18 (PS - we live in New Jersey)

""What is the average cost of homeowner's insurance for a home that is appraised at 169,000 and bought for 166k?

Home is in Rhode Island.

How much is Student Insurance?

Hey guys, just wanted to know that how much is student insurance on a 1999, 2000 and 2001 car? You see im thinking of buying one but i hear that insurance is a whopper so just thought i would be careful and ask. Thanks.""

How much is car insurance for a 17 year old boy who is workin fast food?

Transferring Car Insurance?

I just re-newed my car insurance but now im purchasing a new car. Is it possible to get the balance of my last insurance payment transferred over to my new car? Or will I have to pay for insurance again in full?

""Can't afford car insurance, parents won't help?""

OK im 17 and a guy. I passed my test about a month ago so i can drive :) My parents agreed that they would pay insurance for me if i paid for lessons and the car. Ive saved up for years and scrounged all the money i have and had just enough. Anyway i now only have 1500 left and i cant find any car insurance near to that. My dad keeps saying he will do it one evening but its been a month so i asked him today because he had nothing to do, and he just started shouting at me for always going on and i should go get a '******* job because im a lazy little ****'. This is pretty unfair as i work hard at school, get straight A's, never in trouble with the police like most people who live near and don't drink or do drugs unlike most my friends. How should i get him to pay for it, its not even though he's paying all of it, im putting up prob 60% of it and he promised to pay for all of it :(""

Where can I get affordable health insurance?

I'm a student and I work, but work does not offer it.""

Who does the cheapest 1 day car insurance?

On average how much do you pay for your car?

My boyfriend makes about 1,100 a month. I made about 1,200 a month. We're young, so we don't make that much but we do live together and we have been since I was 18. Pretty soon, I should be making around... 1,400 a month. WE NEED TO GET A CAR. I had one but gave it to my mother who was struggling. We want to get one so here it goes: 1, When we go to the car dealership what information (other than the standard info) will they ask for? 2. What is required to buy a car other than insurance and a license? 3. How much is an average down payment? 4. Say we get a used car made before 2005, how much on average should the monthly payment be? I know there's a million answers but this but anything will help. Maybe like a honda civic or ford focus, something small and cheap. You're help is very valuable. :) :) :) :)""

San Francisco California Cheap car insurance quotes zip 94128

move over law NC; how many points on insurance?

over xmas break i was pulled over under the move over law . i had never heard of this law and was very shocked when i received a $250 ticket (plus court costs) for it. i slowed down but appearently this isnt good enough because there werent other cars around to stop me from getting over. my question is this: does anyone know how bad this is on insurance (the equavilent charge)? i dont have any points on my license so hoping it wont be too bad. that being said, should i just call the insurance and ask? would it be worth fighting the charge? any advice/knowledge would be greatly appreciated! thanks!!""

Car insurance question?

if you let someone else drive your car , and they get in an accident , what happens? does their insurance still cover them? are you covered to fix your car? i have my friend (who has had his license way longer than i have , and who i feel is a better driver than me anyways) drive my car sometimes when we go out together is this a bad idea, and why?""

How much is car insurance for teenagers?

I've been trying to find the answer for awhile now, but all I find are websites that have paragraphs of information that I don't care too much about. Could you just give me an average number?""

Whats the best insurance for a college student?

Cheap car insurance with no deposit?

where is the best place to get insured that is cheap and no deposit asked for or cheap deposit?, thanks""

My age is 30 years and spouse age is 21. which is the best Health insurance policy?

I want minimum 3 lacs sum assured. I have option of Tata AIG (Hospital sickness Policy), Star Health Insurance's family floater, Max bupa's Family Floater or government company's policies.""

Why is my insurance so high?

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

Insurance for my car stuck in the middle of an accident?

Driving in the UK today, my car was hit by a car from behind. becuase of that , my car lurched forwards and crashed into a car in front. The car in front did not suffer much damage. I have third party insurance. Who pays who ? Should i settle with the guy in front to protect my no claims bonus ?""

Can my insurance drop me?

Hi, i took a urine test with my doctor the other day. I asked what h was testing for and he said everything , so Im not sure what hes testing. He said he was gonna check for diabetes and what not. I was wondering, in the case he drug tests me can he tel my insurance? Can I get dropped from the insurance for this? I smoked weed about 5 weeks ago. I live in California amd hnet is my insurance. Thanks!""

How much would my life insurance be?

If I get it as soon as I'm 18? I am also physically disabled, have epilepsy, visual cuts, and partially deaf. Would it be higher? Or lower since I'd be considered a vulnerable adult?""

Insurance question?

What is better on insurance if you have a spotless record: 2007 PT Cruiser Touring Edition 2006 Toyota Corolla LE Thanks in advance!

""Im an 18yr old girl, and can not find car insurance for under 2000, help?!?""

The car i'm trying to insure is a 1.1 Citreon Saxo, it has no modifications. The cheapest insurance i've found is with Tesco but this is still just shy of 2000. The comparison sites have all been useless, all coming out at over 3500. Any ideas would be appriciated?""

What's the cheapest car insurance?

8 weeks pregnant without medical insurance?

I'm a server and don't make enough in my paycheck to pay for medical insurance at my work place. I can't be put on my fiance's insurance until we're married. what are my options to cover all my medical bills?

Should I sue my parents...?

When I was 4 years old I was in a car accident and my parents had a settlement with the drunk drivers insurance and recieved 100,000 dollars for me. At such a young age I didnt really know what was going on and they told me that it had to be put up till I was 18 and I couldnt have it. Well that money is no longer there and I am now 20. As I grew up they told me that it all just went to lawyer fees but obviously I am old enough now to know better. I found out from other family members that they just blew it. I am now married and have three month old baby and I could have used that money to help get a house for us or help with the financial problems that come with being a new parent or newlywed. Should I sue them to get what was mine to begin with and if so how do I go about it and what are the chances that I will win?""

I crashed a friends subaru and his parents are hunting me for money. How much am should I be expected to pay?

Turning a corner I overturned and have dented the front fender in front of the left wheel. Knocked the front left wheel out of alignment, all but removed the passenger mirror and scratched the left side of the car, only paint deep to my recollection. Also the left front indicator cover has been smashed, bulbs unharmed though. The car is a subaru legacy 1985 station wagon 4wd. They either want $700 for the cost of the car itself or repair money. Please help soon, friends parents are hunting me down.""

Adding car to insurance policy?

I just bought a car from a local used car dealership, and they tried to have my insurance company (All-state) add the car to my policy. But All-state refused because i'm not the ...show more""

Isn't it mathematically impossible for EVERY car insurance company to save me $300 if I switch to them?

I'm just complaining about the Lyin' Lizzards, so don't bother pasting in a car insurance website, and don't bother telling me that it's just advertising. First person who doesn't read this part is an idiot. And the first person to tattle on them in their answer gets the 10 points. Good luck! The hunt is on!""

Why is my car insurance so high?

Just finished paying a year of car insurance at like 125 a month. Just got my new bill for the year. They want 195 atleast first month. Are there cheaper car insurance companies out there?

Why do insurance companies base rates on credit?

Illness hurt our family financially but we recovered and are on the credit mend. Funny thing is we have never missed an insurance payment - nor have we lapsed policies. We have been steady insurance users for 19+ years now. Our driving records and insurance record is also clean. Why is it fair for insurance companies to use credit against you - when they can't possibly know the circumstances.

Car insurance with teenagers.?

My mom and I have been checking around for cars to buy because I have a scholarship and one college class right now, and I need the transportation so that I can go to study sessions for the college class, and to the meetings for my scholarship. We really don't have a lot of money. I work but only on Saturday because of school. My mom has Progressive right now and she checked how much it would be to have me and a new car on the insurance and it is a whopping $500 a month (her, her truck, me, and my car included).. We need an insurance company that isn't going to cost us a 1/4 of our income. At first we were looking at older cars under $2500. Then my mom was thinking it would be better to get me a new car with good gas mileage so she wouldn't have to worry about me being safe and not breaking down on the side of the road... But we can afford a new car, not with our down payment. The monthly payments are too high. So now we are going back to the older cars, and if we have a fully paid for vehicle, I am sure the insurance won't be as high. But here it, I am 16 years old, took driver's ed and have an insurance waiver that is supposed to bring the insurance down 10%. I also have good grades, a scholarship, a job, etc.. These things should look good to the insurance and bring the cost down.. I am safe driver as well.. Not driving far daily at all. Basically back and forth from school and to those meetings and study sessions every now and then. Any suggestions as to what car to look for and what insurace company we should go with? Thanks, in advance.""

How much would I pay for the Insurance Renewal?

I recently had a car accident with my brand new 4WD vehicle. The front part were badly damaged and is now in the manufacturer's garage. Good thing I didn't get any physical injury as the vehicle's air bag went off just on time and my comprehensive insurance will cover for the agency repairs. My question is, assuming that I'll never encounter another major accident for the next 11 months, how much(more or less) would I pay for the vehicle's insurance renewal next year after it has been assessed by a qualified individual. As early as now, I want to have an idea how the insurance company will compute for my insurance renewal and what are other factors do they consider say I paid them around $1,300 for this year's fee. I hope someone could give me an idea re insurance renewal and other pertinent info re this matter.""

Is it compulsory to buy home insurance?

I'm going to move to my first house soon. There is one thing I want to ask you here. Is it compulsory to buy home insurance? If it is a must, then do you have to get an insurance before you move in?""

Car insurance question?

i recently quit my job and was woundering if it is possible to cancel my car insurance and get it back when i get another job and btw i got state farm

How i can get insurance on my brothers car?

San Francisco California Cheap car insurance quotes zip 94128

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blogdangerousobjectcollecto-blog · 6 years ago

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Paying HSA penalty to avoid paying out-of-pocket?

"Paying HSA penalty to avoid paying out-of-pocket?

I elected HSA through my high deductible family health plan in the middle of last year when I got my job. I knew nothing about HSA then and just thought that the the health plan I picked was better compared to a traditional one. Fast forward to November and my child had to get medical care and when the bill came, I saw the amount $500. I thought, oh I'd just pay this with HSA (my company contributes $1000/year). I later found out that my HSA wasn't even set up yet. Again, I knew nothing about how HSA works, nobody explained it to me, and I thought that by checking the box next to elect HSA? in one of those new-hire forms I filled out

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

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I got a speeding ticket out of state for driving over 10 mph. The cop told me just to pay the fine and that my insurance rates should not be affected. He told me it was three points. I asked him over and over again if my insurance rates would increase and he kept reassuring me it wouldn't. is this true? This is also my first ticket and i have a clean driving record

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Hi. Ive been living in Spain for almost the last 6 years and recently came back to the UK. Im after insuring a car, but the quotes im getting are ridiculous! I've been driving for nearly 6 years, I'm 24 years of age and I'm being quoted over 2,000 for cars like a 1997 1.3L Ford Ka... I have no proof of NCB due to living abroad in Spain but surely this can't be right can it? I've been told by a friend that their daughter of 17 years of age who still has not passed her test has been quoted 1,700 on a similar car. Finding this a bit hard to believe considering the quotes I'm getting. So, is insurance really this overly priced in the UK or am I going wrong somewhere? Cheers""

Did I get a good quote for my car insurance?

I am 28 years old and recently passed my driving test. My full UK driving license is 4 months old and I got car insurance with my uncle for 43 a month including 7 years no claim bonus, 506 a year. Is that a good deal?""

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I've just made my first claim ever for a car accident, I was rear ended at a traffic light and the other driver accepted liability immediately, however what details will their insurance company check about me? I've made the claim through my insurance but want it to be handled stress free! Thanks in advance!""

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How to get proof of financial responsibility?

I'm 21 a year old university student from California and I am graduating soon. I have always put off getting a license before college and once it started, I have been busy but because I want to get a job after graduating I really need my license pronto! My parents back home already taught me how to drive but I'm signing up for a driving school in my area just to practice and get the local roads down. I made an appointment for behind the wheel test next week and one of the things I need to bring is proof of financial responsibility. I know it's not insurance because I need a license to get that so how do I get it? I'm also probably going to borrow my friend's car for the test.""

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my brothers not going to be using his car for the next month and i want to know how i can get insurance cover for a few weeks or maybe a month. my brother in law got it on my dads car so he could use it for a while but im not sure how to go about it. can i do it through his insurance and how much roughly would it cost? thanks

Can you switch car insurance companies easily?

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Just like it says, need insurance to get my lisence here in NC but i dont got a car, HELP!!! I plan on gettin a car soon.""

How much would my insurance cost . . .?

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""Fender bender, but did not have insurance?""

hypothetical situation, fender bender. I was in a fender bender, I was not the Fault person, but I did not have any insurance. Does the fault person insurance have to pay me for the damages done to my car even though I didn't have insurance when it happen? the insurance company refuse to pay me for any damages done to my vehicle. If I take them to court will I win. (the question is for me to know if I can get sued because my insurance company is not paying for the damages done to the other vehicle, but she did not have any insurance so they refuse to pay anything.)""

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My boyfriend has gotten a dui recently and his insurance went up like crazy tripling how much he use to pay. To avoid paying for the high insurance rate for the next 4 or so years, he suggested that he transfer his Wachovia car loan to me. How do I go about to doing that? Do I contact Wachovia first? Do I then have to get a car loan from the bank for the remaining amount of his car? By the way, my credit score is excellent. Thanks your answers.""

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I am thinking about putting my first car insurance under my mothers name, but in a couple years I want to start paying it on my own. Will the fact that I was under her name help me a little with my rate? Or will it not matter, and the insurance company will treat me as a new driver?""

Homeowners insurance in NE ALABAMA?

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Just a question about Geico's insurance rates versus their advertisements?

for as long as I can remember Geico has always used the advertisement pitch about how much money you can save with them. What I'd like to know is there some kind of communication breakdown between their marketing and pricing departments? I decided to get a Geico quote once, I was 27 years old at the time male unmarried and a spotless driving record. they quoted me like 800 dollars for 6 months!!! at the time I was using Nationwide where is was paying a hair under 500...a YEAR!!! yes this was the exact same amount of coverage/ deductible car everything. everyone else I know has had similar stories about Geico's rates. so tell me if anyone knows when the speak of 'all the money you can save' with them, just what the hell are they talking about? where do they get their facts at?""

How can I become an Insurance claim adjuster in California?

Ive searched and searched for classes offered, or forming but there seem's to be non of that offered so how can i get my foot in the door to become a claim adjuster? it seems as if its a catch 22, because jobs that are hiring for trainee adjusters or in house adjusters need you to have experience but there seems to be no way to get your foot in the door. Ca someone guide me towards the right direction? Thanks""

Health Insurance Options?

If I move out of my parents house can I remain on their health insurance (In Massachusetts)? I am currently on my parents health insurance and I plan to move out but I work part time and the health insurance my work offers is around 500 dollars a month.. which I simply cannot afford. If I can not remain on their health insurance does anyone know of any other alternatives?

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Would insurance for a small SUV cost much more than insurance for a pickup truck?

I am thinking about buying a used 2WD CRV, or something of that nature. I am wondering if insurance is typically higher on that type of vehicle.""

Do insurance companies have insurance?

Do insurance companies have insurance from a higher up company or resources? eg Government

Insurance for a new financed car?

I'm planning on financing a car. (May be a Kia Forte, Hyndai accent, or something simmilar). Right now I just have liability insurance and want to know what type of insurance I have to have legally to drive a new financed car. All advice are appreciated. Thanks.""

Can I insure my car for more than it's worth?

I recently spent a lot of money getting my car into great condition. I don't want to have an accident and have the insurance company only give me a quarter of what I put into it, just because the book value of it is low. I have USAA if that makes a difference.""

Which car insurance would be cheaper?

I know it's different for everyone but which would be cheaper (details about me would be exactly the same)? Getting my own 1L car and insuring it as the main driver or becoming a named driver on my mum's 1.4L car? Her being the main driver. I'm a 17 year old male on a full license. Thanks x

""Cheapest car for insurance, and also cheapest insurance company in uk?""

hi, I have just passed my driving test, so I am looking to buy a car. As I am a new driver, I would like to get some tips and help about choosing a car that is cheap to insure and also a cheap insurance company. to give u an idea I have around 2000 to 2500 pounds to spare for a car and insurance. do u think it would be possible with my budget Please help.... thanks.""

Questions about car insurance?

I need to make a change regarding my car insurance but I am not sure what is considered being dishonest. I got the policy through an insurance agent and i think the below factors are what is causing it to be a little high. 1. I live in my mom's house at the moment but I pay rent to her. On time/every month, it's non negotiable. Am I ok to say that I rent? 2. I have had my car for two and a half months and have never driven to work. It just seems like a huge hassle to wait in traffic and pay high parking rates. However the agent put it down that I drive to work and for pleasure. If I choose pleasure only would that lock me into really never ever being able to drive to work? I did an online quote with the same company that I have now (Progressive) and put in rent and drive for pleasure only;it came out $40 cheaper. I'm just not sure if I'm being dishonest. Thank you!""

Can you renew a car's registration with non-owners insurance?

I am driving a car that has no insurance that is owned by someone else. Obviously because of no insurance the secretary of state won't renew the tags. Will they renew the registration if I show them my non-owners insurance?

Affordable studio apartments?

I lived in a great 1 bedroom apartment with my fiance a few years ago in Myrtle Beach for only $550 per month. It was very clean, very quiet, very safe and within walking distance from the ocean. We're looking for a studio basically anywhere in the United States but they're all running for around $600 as far as I can tell, which is ridiculous for something so much smaller than a 1 bedroom. Is there anywhere that has a studio apartment (kitchen, bathroom) which is not an efficiency, which is in a nice location? I'm looking for under $500 per month, I don't want to live in the ghetto. Any ideas?""

Whose insurance company I should contact for the car accident?

I am involved a car accident 5 months ago. There are four cars hit from rear one by one. I am the second car and have no fault in this accident. However, I did not have a collision insurance, so I should look for reimbursement by myself. I asked the insurance company of the car hit me, they said their insured driver has no fault(indicated in accident report), so they cannot pay for me. And they asked me to contact the company of the fourth car. Is this illegal? Cause in our country, no matter in what reason, the car hit you from rear should pay for you directly. And if their insured driver has no fault, they can ask payment from the insurance company of the car hit them. Anyone could help me? I will very appreciate.""

How does a 'unsafe vehicle' violation affect ones insurance?

I got my speeding ticket reduced from a speeding ticket to a 'unsafe vehicle' violation. How many points is that and how does it affect your insurance rates. I thought I herd te judge say it counts as zero points.

Daily car insurance for a 18 year old?

Hi, I don't really know where to look, but my friend said that it is possible to get daily insurance for my age... I guess the question is where can I get daily insurance that allow 18+ If it helps, the car is a bmw 5 series m sport.""

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

need cheap good car insurance

How much money insurance can offer my car severely damage in accident 1999 Mitsubishi diamante 132000 mileage?

some one hit in front while i was waiting to traffic pass , i have aaa and they have state farm insurance.""

Can a woman add a man to her health insurance?

Im about to graduate college and hope to become a teacher in August...my fiance wants to open a tattoo shop and therefore will not have insurance coverage... so my question is: Once we're officially married, and i am employed as a full time teacher...will I be able to add him (and my 2 kids) to my insurance? The reason im asking is bc im unsure (embarassingly) if a woman can add her husband to the insurance..bc i know men add there wives and stuff all the time? Does my teacher insurance cover all of us, including my husband and 2 kids?""

What is the lowst 18 year old male car insurance?

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What is a private jet's insurance price? and maintenance costs? Averagely.?

For school I have to do a business plan. We are creating a fictive private jet renting company in Colombia but i can't find these informations. It is really important as i is part of our financial statements. Thank you very much.

Good car insurance rate?

Is $400/annually for 1 way car insurance a good deal? I an with triple a, and drive a 94 Honda accord 1 way policy. Ive been with them for a couple years now bcuz they got towing in my policy. Just wondering is this a good price? as my policy renewal deadline is near.?""

Insurance on a 1998 Toyota Camry 16 y/old about to be 17?

Ok so i need your help. I am 16 years old and about to be 17 im going back to the u.s. and have a old 1998 toyota camry waiting for me (btw yuck) ok and my parents said to drive this until my insurance lowers and theyll get me a new car by graduation which is next june. So my question is how much do you think my insurance will be? Its a fairly old car and not in a good condition and i have had 1 accident which was pretty big but not completly my fault like 60%

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Is there any affordable way to get insurance, i am a first time driver, no collisions 17 years old btw on my dads user name, what is the most affordable way i can get insurance. All the quotes i have gotten so far have been 1300 for 6 months or more. I will drive a family car.""

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I got pulled over by a cop the other day, and he asked for DL and insurance. I lost my DL along with my wallet months ago and I haven't had the time to go to DMV and re-take the test. Anyway, I showed my Texas ID and insurance and he said without a DL your insurance is not valid. They're pretty much just eating your money. So he gave me 3 citations: No DL, speeding, and no insurance. The ticket said if I had insurance at the time I got pulled over to show it to the payment window and it will be dismissed. I wanna know if I should do that or is the cop right and I'm completely done?!! Any good answers would help. BTW this was in LaPorte, Texas.""

Can I insure more than one limited company on one business insurance policy?

I need to know if you can have one UK business insurance policy, which includes employers liability, that covers more than one limited company. I am getting quotes for three limited companies and some insurers are happy to do ABC Ltd and/or DEF Ltd and/or GHI Ltd, whereas others are telling me that I need three separate policies (at three times the cost!). Help please........""

Does my credit score affect my car insurance costs?

Someone told me it did... but that just doesn't make sense!

Just got a car insurance quote for 6000?

Ok, Im a 17 year old male driver, so I expect my insurance to be through the roof, but come on can this amount be real ? This was for a 1997 2 door corsa""

""Can I register my car in my name but have insurance in my husband's, in Florida?""

I live in Florida, I'm 24years old. So you know my insurance would be sky high. I was wondering if I could register my car in my name but have the insurance in my husband's?""

Where is the cheapest Motorcycle insurance for a Honda CBR500R in Vancouver?

I'm a new rider buying my first bike. I am not really sure which options are available for insurance. I know ICBC has mandatory liability that has to be paid to them, however I'd like to know where the cheapest motorcycle insurance for a CBR500R is. Any help or info would be appreciated - Brad""

How much auto insurance do I need?

How much auto insurance should I get for a 1999 Ford Escort that is already paid for. I have insurance now but it is 660 dollars a year and that sounds like way too much for an 11-year-old car.

Car insurance for under 3k?

Hi, im 18 and im trying to find car insurance for under 3k and pay it off monthly. Im getting quotes like 5-6 grand, the comparison sites are a load of rubbish as their saying way ...show more""

Can I cancel my car insurance and get my money back?

The car that was insured was scrapped in January but the insurance is still running. Can I cancel the policy and get my money back? It was with Admiral and I paid the whole amount up front. Policy expires in August 2012. Also, I have just bought a new car and want that insured. Can I transfer it onto the Admiral policy, or am I better off cancelling everything and starting from scratch? The scrapped car btw was a peugeot 306 that broke. The new car is a bmw 318d thanks!""

Where can i go with my insurance? ?

Hurt my knee. I have myers Steven toohey insurance. Do I just go to any hospital? Who accepts this insurance?

Car Insurance in California?

Anyone know a good low cost auto insurance company in California? Someone w/ a suspended licsence that is now released?

California State Disability and Insurance?

Hi, I am trying to figure out how much of a % I will be getting back from the state. I have short term disability but I havent called them yet to figure out how much I will get every month. Also, I have insurance through work and apparently not all the hospital fees are paid for. For example, my coworker just had a baby and cost her about $1500 out of her own pocket. Altogether was $9000 (rest was billed to the insurance). My doc is telling me I might have to have a C-Section. How much do those usually cost? What the heck is the point of having insurance if there not even going to pay for crap! BTW I am 29 weeks""

I need car insurance in broomfield co?

I have one speeding ticket and i'm 19 years old where can i go to get car insurance cheap i get min wage. and i need full coverage and if you know what full coverage consists of please let me know i have a 2003 dogde neon se

Buying a new/used car & insurance?

Okay, if you are buying a new/used car will they refuse to sell it to you if you have a warrant? How about insurance will the insurance company refuse to insure you & your vehicle if you have a warrant?""

Is there cheap car insurance in tucson az?

my car insurance ends tommarrow and i really need new car insurance that is cheaper then what i am paying now. i have a 2007 prius that i am financing on so i need full coverage and i ...show more

Why are car insurance companies trying to make me go bankrupt?

Okay, this is extremely frustrating. I'm a 19 year old student, who works part time. I have all-state insurance full coverage, and I drive a 2001 toyota tacoma, which is paid off. And guess how much Allstate charges me every 6 months? $750!!!!!!!!!!!! That is absolutely ridiculous. These son of a bitches are totally ridiculous charging me that. I've never had a ticket, never been in an accident. And I don't care if i'm 19 that price is absolutely absurd for that car. I'm almost at the point where I just wanna go illegal and drive without insurance. I'm looking sleep every night over this I mean seriously do they think a 19 year old college student is made of money. And the funny thing is it's under my parents policy and its this much!!!""

Is proof of insurance need to transfer title?

My parents are transferring the title over to me, however I do not have insurance at the time. The registration renewal isn't due yet. I don't know if that plays any part. We live in california.""

""Cheap car insurance, I'm 21 had my license 2months?""

Hi I'm in the uk, I'm male, 21, had my license 2months and I need cheap car insurance please.""

Cheap insurance?

cheap insurance

Father is looking for medical insurance. Any suggestions on which company?

My father is looking for medical insurance that covers stuff like x-rays, perscription, doctor visits, etc. Does anyone have a good medical inssurance company that covers that stuff ...show more""

What is a good cheap auto insurance company?

I had missed some payments from geico a while back, and havent had insurance for a couple months so now it is getting more expensive to get another insurance, but I need just a cheap, basic policy with minimum liability and collision, any suggestions/""

Paying HSA penalty to avoid paying out-of-pocket?

https://www.linkedin.com/pulse/insurance-quotes-progressive-canada-agatha-ibarra/"

0 notes

love-transparentstudentarca-blog · 7 years ago

Text

Will Infiniti G35 coupe be a lot more expensive on insurance?

"Will Infiniti G35 coupe be a lot more expensive on insurance?

I have a 1997 Jeep Wrangler Sport with a 3 inch body lift and 33 mud tires. I'm selling it today and getting an 05 Infiniti G35 coupe. I'm 17, so my insurance right now is 200.00. I will be 18 in October. Do you think the Infiniti will raise it A LOT? A little doesn't really matter, but how much more would it raise it? I've never had a ticket or anything like that. My insurance is 200.00 because I have full coverage at a young age.

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

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How much will my second speeding ticket make my insurance rates go up?

I received a speeding ticket in January for 90 in a 70 (I-5 on my way down to San Diego), and today I received another ticket for 86 in a 65 on Freeway 85 in Cupertino. The first ticket is being taken care of with traffic school right now, and since I can't go to traffic school again so soon I'm assuming the 2nd ticket will increase my insurance rates. Does anyone know how much they will increase? I'm 21 and am on my parents' insurance (USAA) because I'm in college, but I will be paying whatever the difference in premium is so I'm trying to get an idea of what the damage is here. Also, I know I messed up, so no need to tell me in the answers. I thought I'd learned my lesson after the first ticket but apparently I still haven't, so at this point I'm just afraid to get into a car.""

If I own property and pay insurance from 2 different insurance companies.?

If something were to happen to my property can I collect money from both insurances?

Cheap motor insurance?

hi everyone... my hubby is tinkin of getting a new mitsubishi lancer sports edition (A) as a weekend car. only problem is insurance. he's 24yrs old n just got his license a week ago. he's been ridin a bike for the past 4yrs but insurance companies say it is not counted as driving experience. N their quotaions are arnd $4k which is very ex... any help will be greatly appreciated thx:)

Re saga insurance?

has anybody had a bad experience with saga insurance [over 50s only]

Car Rental Insurance?

What happens if you rent a car and decline any coverage? I was told that if you were involed in an accident you would have to make a claim with your own insurance company. What if you don't own a car and thus don't have an insurance company? Are there limits to the amount of responsibility of the renter? I mean if the car is totaled does the renter really have to replace the entire cost of the car out of his pocket as well as damage to the other car and injury to it's occupants? I know i'm not alone in declining insurance. But if I got into an accident I always assumed I would just be responsible for a deductable and not the total amout of damage to the cars and injuries. Serious answers only. I really don't need to hear yes, you need insurance or you're screwed That tells me nothing.""

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?""

How do I get health insurance if im 17 and not living in the same state as my parents?

Im a 17 year old male and im moving from Georgia to California. I need health insurance and im trying to figure out if I can stay on my parents health insurance until im 21 or do I have to get something else? please help

First time driver and car insurance ?

I live in California and im 18 and im curious as to which of these two options is cheapest if my mom puts my on her car insurance policy so that i can legally drive her car anytime or if she can put my car on her insurance which is cheaper ? also if i drive my moms car sometimes like to the store or something and i have my license and the cars registration and insurance with me will a cop still give me a ticket becasue im not on the insurance policy or will they be cool because they just want to make sure the car has insurance ?? thanks

Why is car insurance exhorbitant for 17 year olds and migrant workers run round with insurance thats cheaper?

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?""

Should I get car insurance in my name or parents?

I'm 16. A lot of people are telling my parents to get my car insurance in their name and not tell them i'm the primary driver because it will be so much cheaper. Does that mean if I get in my first wreck they won't cover it or they'll just raise it after?

Car insurance for 17 year old male?

hi how much would cost a car insurance for 17 year old male? with engine 1.4 or 1.6 for example volksvagen golf or honda civic? is it worth to wait a year until im 18 will cost of the insurance descrease much?

Need cheap & affordable Health Insurance?

I have a friend, Yes a Friend, She and her husband are paying $160 a month for Health insurance & its, Medi-cal, Which is Welfare, So I told her that there has to be a GOOD Insurance out there that is cheaper, She needs help, Can she find anything thats better then $160 month.""

Will the check from the auto insurance company be in my name or my mom's?

under name of insured it has my mom's name and my name. the car is in my name. I hit a car and the insurance company is sending a check for the repair costs after the deductible. will the check be in my name or my mom's name??

How does health insurance work??? Payment?

I'm 18, jobless. My parents will stop paying for my insurance soon. How do I get a new plan and what will the cost be? NO MEDICAID. also what if you're pregnant""

How can I be seen by a doctor in Colorado with no insurance while only working part time?

I really need to be seen by a doctor I need meds bad! I have UTI and It wont go away.... How do I see a doctor with no insurance while only working part time... I Live in colorado is there anything?

How to find cheaper auto insurance?

i have a 98 honda civic, and got an insuance quote from geico.com the quote was $365/month thats ridiculous, i dont even make that much every month any suggestions?""

What type of car insurance coverage do you have?

So, I just bought a new car, and when I called my insurance to switch over my policy the agent tried to sell me this that and the other, saying I really needed all these things since I have a new car now. Just wondering what other people have on their car, and have you ever needed more coverage then you had?""

Anyone ever heard of a car insurance company called The Electric Company?

I called them and got a really great quote on car insurance. Has anyone ever used this company and is it a good company to go with?

Will Infiniti G35 coupe be a lot more expensive on insurance?

""How do I get this auto insurance issue taken care of? Possible Law Suit, advice needed.?""

I originally had State Farm and was paying $232 for a Hyndai Tiburon, had a traffic accident for, Improper Lane Change, the other person did not file a claim, had to spend $500 to get my car fixed and $89 on municipal court fees. I was told that the incident, since I paid it in full and did not receive probation would not be held on my license, however it did make my insurance go up to $302, because of the deduct able, very understandable. This was in Ga. I moved to Ok. I looked at new insurance here and found one with Mercury Auto Insurance through a 3rd party company and received a quote for full coverage at $232 a month, so back down to normal price. They ran my license and everything, everything was fine, I even told them about the accident and they said that it would not change rates. Well, it did. I got my first statement and my bill was $314! I called up to the 3rd party company and they said that the insurance company charged my Improper Lane Change, as an Erratic Improper Lane Change, and as such it was classified as a traffic accident on my license and that's what made it go up. She said she would call me back, but she never did and I have been working so much, I haven't had a chance to call back. So here is what I need to know, and please no stupid insurance companies trying to solicit. 1. Who do I call in Ga. and have them dismiss those charges on my license and if they can't, how do I go about filing a lawsuit for illegal allegations after trial? 2. Who do I contact, when I have the proper information, the 3rd party company, or the actually insurance company....or both?""

Am I covered by my car insurance if I park illegally?

I park my car on a Bridleway the Police say it is illegal but they class it as parking so will not touch me the Council will not touch me either as they cannot apply any laws as there are no kerbs. My question is if a Horse injury's itself due to my car being there or a person hurts themselves,or causes them to be injured whilst negotiating my car am I covered by my insurance as I am illegally parked.""

Will Caresource health insurance from ohio cover braces?

My sisters teeth are awful. Will her health insurance cover the cost of braces??

What is a Car Insurance Down Payment?

The insurance company is charging me $500 for a down payment. What is this?

What are the advantages/disadvantages of Life Insurance?

Just in general, what are the pro's and con's of investing in Life Insurance""

If I got a car video-recorder is my car insurance going down?

I bought a video-recorder for my car as project.Keeping in mind cyclists and other motorist are driving mental sometimes in London can I get my insurance down if I got a recording device in my car.Did anyone managed to do that?

I was in a car accident with no insurance.?

It was a minor accident no injuries and my insurance ran out 3 days before the accident, i have got insurance again but The person I was in an accident with is taking me to court to try and get $2800 for the damages. Now I know his vehicle is not worth more than $1000. Could that mean that I can pay the price that the car books for and then he will have to give me the title, like insurance companies do?""

Advice onCar insurance?

which cart insurance is best for two 19 year Olds? I have never had insurance of my own and I have never gotten a ticket or been in an accident. My boyfriend will be 20 next month and he has had insurance but not recently. We are on a fixed income and would prefer to only spend around 150 per month. Any advice on insurance for a 2000 4x4 2 door Ford explorer? It's a 6 cylinder engine..automatic transmission.

50cc motorcycle insurance?

I have a 1982 honda mb5 street bike. Its 50cc and has a 5 speed gearbox. I live in indiana and i want to get my motorcycles endorsment but it requires that i have insurance for the bike. How much would that be?

How much is car insurance for a new driver?

How much would car insurance cost in BC in a rural area for a 17 year (new driver). Thanks

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

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

Insurance for a 2nd hand two wheeler.?

Recently purchased a second hand 2wheeler. Changed RC to my name already. Regarding insurance, which one is good?? 1) renewing existing with my name or 2) purchase a new insurance. which one is best?? do we have any difference for the above options?? Approximately how much it costs for both options??? Please guide me.""

Which insurance is better?

Which insurance is better health or life?

""I need to cheap insurance, like say, $50 a month. Anybody out there have any ideas?""

I need to cheap insurance, like say, $50 a month. Anybody out there have any ideas?""

Is Landlords insurance much higher than homeowners insurance?

in Philadelphia, PA.. I have my house rented and the homeowners insurance found out and now they are cancelling my policy. I did not even know there was such a thing as landlords insurance..""

""Please tell me the difference between insure , assure , and ensure . Thank you""

Please tell me the difference between insure , assure , and ensure . Thank you""

A 1967 FORD MUSTANG coupe Insurance (UK only please)?

Can anyone tell me what the average insurance is for this car is. I tried car insurance sites and all they want is my info and i dont have a licence yet i just want to know what one would insure for. An estimated guess is all i am looking for. Thanks. Also does the historic tax still in use? if a car was made before i think its something like 1974. That would a helpful thing to know as well. Thanks People.

Will insurance cover girlfriend who lives with you?

My boyfriend and I live together and are going to get married within the next year or two (i am in nursing school and want to finish before getting married so we can afford a really nice wedding). He has United Health Care insurance and I've tried to find info online but cannot find the info i'm needing. He has this insurance through his employer. Can I be covered on his insurance without us being married? I see online you can do a family plan, but that's all i see. doesn't say if non-married couples can be covered.""

How long does it take to recieve a settlement from an insurance company?

my husband was in a car accident jan of 07 he hurt is back and hasnt been able to work as much as he used to. we filed a suit against the other drivers insurance company and we just now in sept of 08 got a settlement offer of 7,000! not to sound greedy but that seems like it's just enough to pay his medical costs?! it's been a long time i no that the insurance company wants us to settle for the least amount possible, but i feel like if we don't settle for this amoung were going to be waiting another two years! i'd like to hear from anyone who knows anything about this any advice on what we should do settle or wait? and if we do settle how long before we get a check? thank you..""

""When buying a used car, what is the process of getting insurance for it?""

I live in Indiana, but am about to buy a used car that is in New York. I am going out there to pick it up and drive it back to Indiana. How do I go about insuring and licensing the car? This is my first experience with this. Do I need car insurance before I leave New York, or do I get that once I get it back to my home state and get it licensed and tagged? How long do I have before it needs to be insured? How long do I have before I need to get plates and everything for it? Where can I search on the internet to find more information about this, also? Thank you.""

""On average, how much does car insurance cost for a 17 year old male?""

Dear reader I am a 17 year old male. I am searching for car insurance once I get my driver's license I will be required to pay for my own car insurance. I want to get an average cost (monthly) for someone my age- regardless of the company I am not sure what factors play into a policy's amount- however, if it does matter, I am a straight A student with a 4.2 GPA (scale of 4.0)- I have never been convicted, nor prosecuted for a felony or anything of that sort. To sum up, I am quite responsible for a male my age. Please do not be rude in your responses I appreciate your help PS. the car that I would be driving is a Toyota Camry 2005 (all paid for). I also live in the state of MD""

Will my auto insurance company check my husband's credit and driving record if I add him to my policy?

I have been married for 4 years. My husband bought his car with his parents and has been covered under their insurance all this time. The car has been now paid off and he needs to go ...show more

Why does another persons driving record affect my insurance?

sharing a residence with other people doesn't mean sharing vehicles or the responsibilities, so why should their driving record affect my insurance rates?""

How to get cheap car insurance?

im 17, my mates have got theres for just over a thousand pounds, but all my quotes are 3 thousand plus, how can i make it cheaper? like by putting my mum as a driver or?""

How much qualifies as full coverage insurance?

Will Infiniti G35 coupe be a lot more expensive on insurance?

Scooter insurance price ?

i live in the uk and I'm 16 and i was going 2 go 4 my scooter licence until i pass my driving test witch i will b starting in december i want 2know ruffly hw much wld it cost me 2 insure a 50cc scooter ??

UK CAR INSURANCE QUESTON?

I've recently cancelled my car insurance and started a van insurance and used my no claims bonus from my car for the van, I've now decided that im best to keep the car and im wanting to insure it again, I got quotes without my no claims bonus and its stupid prices even though I said that I have the no claims on the van If I used the no claims on the car it brings it right down to a more sensible price Can I use my no claims bonus on two cars? If not can I tell my van insures that I want my insurance with 0 no claims and for them to amend my policy- ive only just took out the policy and am still in the process of sending off the no claims proof from the car Regards im advance""

Car insurance first time owner?

Hi, I'm an international student with USA drivings license in Fl. I'm covered by my boyfriends car insurance company in order to drive his car but that's everything what I have as insurance. I'm on my way on buying a new car and I don't know what to do. Because I have my driving's license for an less than year the rates are pretty high. Almost 500$ for a month. Does anybody know any cheap insurance company that will help me to overcome this obstacle and moreover is there any other trick that I can use in order to reduce the rates. Thank you in advance.""

I have a question about car insurance?

Okay I get my license on Monday but i don't have insurance yet due to my grades but does that mean i cant not drive a car that has insurance like my parents cars??? Thanks I really need an answer

Is four wheel drive worth it for where I live concerning insurance costs?

I want a jeep cherokee as a first car and I cant decide between 4x4 and 2x4. My friend told me that four wheel drive will increace the car insurance. I already thought insurance was expensive, does anyone have any idea how much more this will increase insurance on average. Should I even get a 4x4? I'll be getting the car off craigslist so its not the cost of the vehicle that concerns me its all about the insurance. I live in florida so its not like ill be going through snow or anything i just thought it would be handy if I ever wanted to go off roading once or twice.""

Where can I get affordable insurance for my girlfriend?

There could be a chance she might be pregnant in the future. Where can I get affordable maternity insurance?

What's a low cost yet good car insurance co in California(northern)?

I have a gas hog and I am trying to lower my bills since the economy slump and I am trying to find if my car insurance is high and if I should switch and to who I pay every six months 681.00.Thanks in advance.

Do I claim my car insurance or my boyfriends car insurance?

I borrowed my boyfriends car and I accidentally backed it up onto someone's car and I want to pay in cash instead. but my dad said that I should claim my boyfriends insurance instead of mines because the guy may claim to much. But I'm the driver not my boyfriend. Arent they suppose to claim my insurance? I don't want to claim my boyfriends insurance because his insurance may increase and his dad may get really mad at me. What do I do?

How will a speeding ticket going 9 over affect me personally and insurance wise?

Hi, i just got my first speeding ticket going 9 over 40, the cop said usually it would not effect my insurance but if not how will it affect me? If i pay the ticket and not call my insurance will that be that and it will be over? Please help""

Do i have to register my car under my moms name for it to be cheaper?

I just bought this car and I'm 18 years old I want to have cheaper insurance so I'm putting the insurance under my moms name but would I have to register it under her to too in oder for it to be cheap? Or can I register it under my name and still have it be less money

How much are you paying for motorcycle insurance?

I'm trying to get a quote for insurance on a 2008 Ducati 848. I tried Geico, State Farm, All State abd Progressive but they all are quoting me around the same which is around 4k a year for full coverage and 1k a year for just liability. This seems crazy to me as im only paying $350 a year right now for full coverage on my ninja 250. I know the Duc has a much larger engine but the price difference is drastic. Im a 23 year old male with 2-3 years riding experience. Clean record and i did the MSF course when i started riding. The 848 im trying to buy is used and i would be paying in full. How much are you guys paying?""

What is the best car insurance company out there today?

I'm gonna get a car soon and I'm having difficulty picking an exact car insurance company to insure my car so I just wanted to read others opinion on what car insurance they think is the best.....if availabe tell me the pros & cons....

Best Place to get a Car Insurance Comparison Free Online?

What sites are best for car insurance comparison? I am trying to find a site that has the widest range of quotes and policies so I can pick insurance cover that is right for me, the plan I have that's due to expire soon is terrible and I feel really ripped off. It's just proving really hard to find something affordable and with good quality cover. Has anyone tried a car insurance comparison site that offers quotes from more than just the usual four or five insurance providers?""

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?""

Vehicle insuranse rate with new increasing cameras.?

I was wondering if auto insurance is lowering their rates due to new speed cameras , red light running traffic cameras, and right turn cameras are starting to rise in the county. Now is this something the auto insurance companies look at to make rates for county or city of which we reside in?""

Car insurance?

i am currently insured and my policy expires on July 1st. I don't want my policy to renew so I called to tell them not to renew it. They said ok...and they wouldn't take out the June 1st payment. (I pay monthly). I just bought my new policy with a different company and I want that policy to start on June 31st. I made the down payment today but my next payment with that company isn't until July 31st. Basically I'm really confused....but there is probably some logical explanation. I'm not going to have any gap in coverage but I feel like I'm getting a free month of car insurance just because I switched companies.

If a have a named Driver on my car insurance will it make a any Difference in price?

Whats the best car insurance?

I am an at risk drive at age 19 driving a 2005 toyota sequoia that hasn't been paid off yet i have one at fault accident ( i hit a car in a parking lot with nobody in it) and i have two speeding tickets now i need full coverage because im still making payments but I would like to know what to go with because so far all my quotes are really expensive! please help me out guys i cant afford 300 dollar car insurance!

Need advice suing homeowners insurance?

In 2008 lightening strike hit house and since that time we hav had 6 water dameges in the house.Since that time all insurance companies NEVER real INVESTIGATE or find COUSE OF THAT, Finnaly again We have had BLACK SEPTIC WATER n the house 06/19/2012. 9 days after adjuster show and underastimate damages. month after that , after we constantly complain, ask for updated estimate and approval damages so that we hire contractor Property finaly has been inspected again and they find much more damages ( so far $83.000.00 ). House is damaged very much as well as our belongings. All that time from 2008-today insurance companys charged as with deductibles , we spend lot money trying to fix problems, we are darined emotionaly and financionaly. Last year , just after one similar claim ( 01/06/2011 black water flood ) we were FORCED to file for CH 13 that we can at least save what we can save, TODAY, Insurance company with who is house covered has not reacted We think fast enough to save more house and our belongings. Insurance is escaping to cover what need to be maybe replaced( wood entrance door through septic water was running , built in castum made cabinets in master beedroom, cut wall and replaced behind showertubs........) 9 days after that accident we finaly has Insurance attention and the send SERPRO here. Servpro find that water was SEPTIC, Walls need to be Cut ( so far 1 foot from the ground ). When Servpro cut draywalls ut shows that stabs 2x4 has been damaged , they spray them ( we think that they need to replace them )......... We are now in almost two months after accident becouse we do not agree on damages sattlemant. They serve us on 08.01.2012 with activating adjusster process and we do not have money any more to pay for that, OUR HOUSE DURING PAST 4 YEARS BECOUSE OF ALL THIS LOST LOT ON VALUE AND WE WOULD LIKE TO SUE INSURANCE COMPANIES AS WELL AS TWO LANDERS WHO WERE IGNORING PROBLEM IN THE HOUSE. WE HAVE PROOF FOR ALL THIS . IS ANYWHERE POOSIIBLE TO FIND ATORNEY WHO CAN HELP US LITTLE BIT WITH THIS BIG BROBLEM MY HOUSBAND IS 61 I AM 55 AND MY HOUSBAND IS THISE DAY WORKING OUTSIDE FOR AROUND 70 HOURS A WEEK THAT WE CAN PAY OUR RAISING EXPANSSESS. IT IS NOT RIGHT.""

Does auto insurance do this? Pay or Scam?

So it always seems that my Girlfriends mom is trying to slow her down by take her money or use her to get money from the state or what not. One of the new things is that her mom says is that geico called her up and told her because my girlfriend just got her Drivers License that she has to put her under her policy. She doesnt drive her moms car and is currently looking to get a new one. Is this a normal thing for the Insurance company to call up out of no where and tell them they have to pay because there is a new licensed driver that doesnt even drive the car the policy is on or Is it another way for her mom to gain more money

Can you get life insurance if your already sick?

I have life insurance, and my children have the gerber grow up plan, but my husband doesn't have any and now he's sick. He's 21 - in case his age matters - he was tested for lymphoblastic leukemia last night - but no results yet. Probably because it's Saturday. If he ends up having this, can he still be approved by life insurance?""

What are the Best site for Comparing AUTO INSURANCE Quotes Online?

can anybody please shade some lite of reasonable car insurance quotes comparison sites?

Getting car insurance - online quote?

hello, why shopping for some online car insurance quotes, i came across the below questions. what do they mean..i live in florida. Does the driver require an SR-22 or Financial Responsibility Statement? (If unsure, select No) Yes No Does the driver require an FR-44 or Financial Responsibility Statement? (If unsure, select No) Yes No""

Insurances for starting a small business?

What are all the difference insurances for starting up a business? Please include a source or proof of your numbers

In California does it state anywhere in family law divorce forms that a spouce has to have insurance !?

cont..... -----------> on the other party ? (do i half to have my ex. on my Ins. policy (health)

Will Infiniti G35 coupe be a lot more expensive on insurance?

https://www.linkedin.com/pulse/insurance-policies-pre-existing-conditions-larry-spears"

0 notes

bizmediaweb · 7 years ago

Text

How a World-Class Museum Inspires Millions of Followers on Social Media

Every year the British Museum welcomes millions of people through its doors. And on social media they attract equally large crowds—nearly 4 million followers between their Facebook, Instagram, and Twitter handles.

In this episode of our Hootcast podcast, the British Museum’s senior digital marketing manager Kate Carter tells us how they keep their millions of fans engaged on social media.

In this podcast you’ll learn:

Storytelling strategies for social media

Ways you can challenge and educate your audience

How to engage a large following

Press play to hear the show in its entirety, or if you don’t have a set of earbuds handy, read the transcription of our conversation below.

Q&A with the British Museum’s senior digital marketing manager Kate Carter

When you think of a museum you don’t immediately think of social media. So, what is the British Museum’s mission and main goal on social media?

It’s essentially interpreting the museum’s mission, which is we are a museum of the world, for the world. We have over two million years of human history brought together under one roof here in London, which includes some of the greatest cultural achievements of every culture that has ever existed across two million years. We’ve got over eight million objects, a repository of human achievement from across the world.

And so, social is kind of the perfect space really for us to be trying to tell that story. The audience we have across Twitter and Instagram is in the millions. We hope that that will continue to grow. And it’s hugely international; it’s between 80 to 90 percent overseas. So, what we believe we’re doing with social is really fulfilling our mission, which is to bring this world collection to the world.

How do you measure your success on social, what are your KPIs?

It’s something we’re constantly re-evaluating. We started off with the usual metrics around how many followers we have and then trying to make that grow, which is still important.

Increasingly, we’re looking at the number of interactions that we’re generating and the rate of engagement for different platforms. How fast is the growth, how engaged is a percentage of our followers with the content that we’re posting.

We’re benchmarking more and more against our peers as well, so we compare ourselves not just against other museums in London or the U.K., but across the world. We look at who is doing that really well and make sure that we’re constantly trying to be up there amongst the best.

So you’ve gone from measuring social following to also looking at engagement and diving a little bit into competitor analysis as well.

And also looking at our responsiveness, so the customer service part has become an increasingly important, too. We’re now looking at how many people have tweets, you know, when they have questions, how many of those are we replying to, how quickly are we replying, how much added value are we bringing to people by being able to respond to feedback or being able to answer those questions to be able to navigate our website etc.

So, like you said, you’re a museum of the world, for the world, and your social following definitely reflects that. You have over a million followers on Twitter and Facebook and almost a million on Instagram.

We were thinking you likely have two separate audiences, people who come into the museum and they follow you and are fans, and then people who are also fans who may never come and may want to learn about the history you share. How do you balance that experience on social?

It’s really interesting that you define it like that because I guess the way I like to think about it is that everyone in the world is someone who has maybe visited the British Museum once in their lives or potentially will one day visit. And maybe that visit becomes something that we can provide through a virtual reality experience. I don’t believe there’s anyone out there who might be choosing to follow us or engage with us on social who has no intention of ever stepping through our doors in some form.

I like to think of it more as a continuous lifetime relationship that we have with people, that they’re either hoping one day to come or they’re physically here right now, they’re planning their visit onsite. We still get comments from people on Facebook saying I came to that exhibition in 1972 and I had the most amazing time and there’s a lot of nostalgia for that. It can be a really special visit for people.

Yeah for sure. So even the people who may have not come yet you would still consider like an aspirational audience rather than defining that bucket as people who may never come.

Exactly. Because that’s reading into the sentiment that we see in the comments on our content. People talk about how much they’d like to come or how much they loved coming in the past. And so, that’s really informed my way of thinking about that audience. And rather than putting them into a box of assuming that they’ll only have this relationship with us through interacting with our Facebook posts, I like to think that there could be potentially something more substantial that we can offer them.

And like you said even offering like a virtual tour, that in and of itself is a form of visiting the museum.

Exactly.

Do you find since you’ve really ramped up your social, that it’s been an important way for you to reach out to young people to discover the British Museum and learn about historical collections that they might not otherwise see?

Absolutely, we obviously see the trends and audiences that are engaging with us on social that might be different to the ones that we’re picking up through other more traditional methods like surveys.

And by channel there are big differences. So our Instagram audience is, you know, on average much younger than our Facebook audience, which doesn’t mean that we necessarily think about the content differently because we think about people more in terms of their areas of interest rather than grouping them by age. But certainly looking at the youngest end of the spectrum and thinking about how we engage kids and young people; we do a lot of programming around that.

We have an amazing schools and families program. We have the Samsung Digital Discovery Centre in the museum, which has this incredible program of digital-based activities for young people. Increasingly, we’re looking at how we integrate social media into those experiences but also how we use social to better promote them as well.

That’s something that a lot of brands can learn from. I think we get hyperfocused on targeting millennials or a certain age demographic and making assumptions about what they would want to see. So you’ve actually noticed through sharing content that you see a wide range of interest across age groups based on different types of content.

Yeah, exactly. And you receive different audiences for exhibitions we might be putting on, for example a live broadcast we’re doing. You can bring together a community of people who might seem demographically quite diverse by those sort of traditional categories but have a really shared interest, something like history or art is something that does connect across those different segments. There are people here who are real history buffs, who read a lot in their spare time or people who are specialists working in the field, they can all have that shared interest even though they’re in kind of very different places in their lives.

Do you have any channel-specific strategies or tips that you could share?

I think we realized that by becoming more channel-specific, that in itself has made us more successful across the board. A couple of years ago we were in a situation where we were cross-posting a lot. We were thinking about what are we going to share on social media on Wednesday and would adapt that message, like we would edit the characters down to fit it on Twitter. We might think of the image differently for Instagram but essentially we were sharing the same kind of stuff.

Now we plan totally differently. We plan every channel separately as well as thinking about what’s coming up this week, next week, next month etc. We’re also thinking about what does that trajectory look like on Facebook and on Instagram and we do different climatic series of content on the different channels and they really kind of standalone now in a way that I think has helped them all grow and become more engaging.

You do a lot of cool stuff on Facebook and with Facebook Live as well, do you think you could tell us a little bit about that?

Facebook Live has definitely become really important to our strategy. We’re trying to do a lot more live broadcasts. We find that they do something quite special that other video formats don’t do, which is that sense of bringing people together around a moment. And just for that kind of maybe half an hour or something that you’re broadcasting, you know, you manage to bring together thousands of people who are all over the world.

We did a few live events recently where we had comments from people in over 90 countries, which is phenomenal to see. And what we always do is get people to tell us where they’re watching from so you can see comments flooding in from all these different cities and states and countries. I think the audience get a kick out of that as much as we do because it feels exciting to have that sense that somehow these people are collectively experiencing something even though they are in completely different environments.

Would you say that one of your goals is to connect people from around the world, around one central experience or one learning experience?

Yeah, I mean I don’t want to start sounding like we’re Facebook connecting every human on the planet. But yeah, I think there is something about that. And I guess for us it’s that we have such a range of experiences to offer, you know, the content, the collection, from contemporary art to ancient sculpture and everything in between.

We feel like we are in this really privileged position of being able to offer this series of unique experiences that people can choose to come together and be a part of if they follow us and choose to tune in.

What are some ways that you’re using Instagram? Do you do anything with the stories, is it just images? What are your strategies around that?

Yeah I think we’d like to do more with Instagram stories, we’re definitely ramping it up. It’s sort of similar to that realization we had a couple of years ago around being more channel specific. I think that Instagram news feed and Instagram stories are two different channels. Now that we’ve separated them a bit more in our minds that’s really helped with loosening up and being a bit more creative with Instagram Stories. We try to use them to be a bit more playful, a bit more spontaneous. It changes things knowing that it’s only going to last 24 hours and that it’s ephemeral. Whereas, with our feed, there’s a lot more thought that goes into that in terms of the image selection and the length of information we share.

We try and make sure that each post has a really quality story to tell and a visual that’s strong and enduring and that they sit together. We tend to post things in threes so that they have the sense of this automatic journeys, which is quite a considered approach I guess, whereas Instagram stories is, as I say, something that feels much more ephemeral.

I really like the 360 virtual tour that you guys have on your Facebook. Would you mind dabbing a little bit more into that?

Yeah, sure. This has been a collaborative pilot that we’ve done with Oculus. So, we’ve kind of worked with them directly and it’s you can say it’s on our Facebook page at the moment but it’s the first of its kind experience where you’ve got an interactive 360 virtual reality experience directly with a newsfeed. You don’t have to go outside of your newsfeed to experience it.

So, it works if you’re using a Facebook app on your phone but if you want to go all the way into immersing yourself then you can put that phone into a Samsung Gear VR headset and then you feel like you’re walking around the galleries.

We were really getting a kick out of trying it out. And I think it’s such a cool way to offer that experience to people who haven’t been to the British Museum or who would love to come but haven’t had that in-person experience.

Yes. What was exciting for us about it is that VR still feels like something that a lot of people don’t have the devices yet and it still feels like people are in the early stages of exploring that. And what’s nice is this really puts it straight into people’s phones and puts the museum at your fingertips.

We notice that you use long captions to describe a scene or provide a lot of context for what people are seeing. How does that fit into your digital strategy around storytelling or education or both?

We are the custodians of this amazing collection and lots of the objects are visually stunning in their own right and maybe it would be enough to look at them. But with every object there’s a story behind it, there’s a reason why it has this particular status that it’s now part of the British Museum collection.

For us it’s about bringing the people to life that are a part of the object’s story. So, who made it, who was it made for, who’s worn it, who’s used it, how is it used? How might that relate to something that’s happening today? And we try to kind of bring the objects to life with that human aspect. And that does require a few words to sort of tell that story.

I can imagine too that providing that context for people also helps them to appreciate what they’re seeing more as well.

I think so. I just personally I feel that it’s when the curators start describing an object to me that I get excited about it. That’s the stuff we want to capture in a bottle and share with our followers on social. Not everyone finds world history instantly accessible. If something is not really familiar to you in your culture it sometimes takes a little more of an explanation to relate to an object and kind of get inside the heads of the people that made it thousands of years ago.

Yeah for sure. I mean I definitely have the same experience when I have a better understanding of what I’m seeing. I have so much more of an appreciation for what it is and where it’s come from. So how do you feature exhibits on social? What makes certain exhibits social media friendly or do you not divide out exhibitions that way or do you have certain ones that you choose?

I think every object that’s in the collection has a story to tell and therefore has its place on social media. And over the years hopefully you’ll get around all eight million of them.

Our selection criteria in terms of what are we posting now, is about trying to find balance. We’re always making sure that we’re being representative and sharing a range of objects that come from different parts of the world, different cultures, and different religions. We try to have a balance in terms of things that maybe were made or are about men and women, so the diversity of the collection is something that’s really important.

It would be easy for us to default to sharing the things that we know are super popular. You know, we could look at our analytics on social and see okay, people love Egyptian stuff and we could just only talk about that and it would go really well. But it would be neglecting our duty to actually share some of the lesser known parts of the collection. And there are some amazing objects that are far less famous that have incredible stories to tell. Part of the job is unearthing some of those and bringing them into the spotlight as much as the ones that we know have huge appeal and that people want to see and we’ll always continue to share on a regular basis.

In that way you are really important educators and using social to educate as well, not just get the highest engagement on every single post but also to inform your audience.

Exactly. We want to take the audience on a bit of a journey with us. Something that’s really important to us is that sense that people trust the British Museum and that they trust us to take them to places that they might not have gone themselves. So, whether that’s a culture they’ve never heard of or an aspect of the past that might surprise them or the fact that the museum is continuingly making new acquisitions from around the world to carry on telling that story of humanity. And that’s one of our challenges as well as one of the real joys is trying to get that across, there’s so much to share.

I think that’s something any business or brand can learn from the British Museum is that if you’re telling stories and you’re actually generating interest and educating and sharing things that are genuinely engaging then it resonates with people instead of just being talked at or told things to.

Do you have any stories of a strategy or campaign that really worked well, something that you did that you saw a huge engagement or really good results from?

Something that really worked really well for us was based on the Rugby World Cup and the Football World Cup. We did some really cool object pairings where every time a match was played we took an object from each of the countries that was playing and paired them up. So we’d have two different necklaces or two different helmets, something like that. And you can see visually the fact that these two countries have this kind of shared history, they have things in common, but also that they have distinct styles.

That worked really well. People really responded to that and we got a lot of interest not just from the public but some of the football teams themselves. The official World Cup account shared one of our posts and some embassies around the world who were supporting their teams. And that was a really nice way of us bringing something into a much bigger conversation that perhaps no one else could do.

I think that’s the tricky thing about getting a campaign right is working out what you can bring that’s unique—and sometimes the answer to the question is nothing and therefore you have to step away and let other people take the stage. That’s been a big learning for us as well is trying to figure out what we can bring that will add something really special as opposed to just jumping on the bandwagon for the sake of it.

Yeah, I think that’s really good advice for brands out there to make sure that any campaign that you build is relevant and that, as you said, you are adding unique value to people’s experience. Thank you so much for joining us today. You’ve given us so many good insights.

Thanks for having me.

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tortuga-aak · 7 years ago

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We asked a top hedge-fund recruiter what it takes to get a senior-level job these days

Ilana Weinstein.

Ilana Weinstein is the founder of The IDW Group, which focuses on recruiting investment talent for all kinds of investment strategies.

We asked Weinstein about the biggest trends in the hedge-fund business and how to get a senior-level job today.

"As the industry has become more crowded and efficient, I would argue the definition of talent has gone up," she said.

Ilana Weinstein is a force within the hedge-fund industry, recruiting senior investment talent and C-level staffers for some of the biggest funds. Her firm's approach has gotten a reputation for being the "Don't call us, we'll call you" search firm — something Weinstein is completely fine with.

She founded The IDW Group about 15 years ago. The New York firm recruits investment talent specializing in all kinds of investment strategies, ranging from long-short equity to credit and macro. IDW also recruits for private-equity funds, asset managers, and family offices.

We wanted to get a sense of what it takes to get a top job in money management, and we reached out to Weinstein to get her two cents. She emailed us back with her thoughts. Following is a lightly edited transcript.

Rachael Levy: You are coming up on your 15th year since founding IDW. How have you seen this industry evolve?

Ilana Weinstein: When we started, in the beginning of 2003, the hedge-fund industry was still relatively nascent. There were 3,000 hedge funds compared to 9,000 today. AUM [assets under management] was $500 billion versus $3.4 trillion. That’s explosive growth. Talent doesn’t proliferate like that.

Back then, proprietary trading desks on the sell side were where we went for talent because they were like mini hedge funds and there weren’t enough developed hedge funds to pull from. After the crisis, prop trading became a "no-go" zone at the banks and anyone who was a risk-taker (and any good) left.

Thomson Reuters

Today the war for talent is largely hedge fund to hedge fund, and as the industry has become more crowded and efficient, I would argue the definition of talent has gone up.

There is less alpha in the market, less volatility, less dispersion, and more market participants. If you get five consumer portfolio managers in a room with 20 ideas each, you don’t get 100 ideas. You are lucky if you get five to six. There aren’t enough factors to make 80% of hedge funds do well.

The list of truly investable hedge funds is probably 2% of existing funds. And concentration of AUM reflects this: 10% of hedge funds control 90% of the AUM. That’s a surprising statistic to a lot of people. It also means seismic changes can happen quickly.

We’ve seen big institutional funds like Eton Park and Perry shut down; other large players have had enormous and swift AUM drops. This leads to a recalibration of who the best funds are, and where talent wants to be.

Levy: What is your approach to recruiting?

Weinstein: Think of a Venn diagram with one bubble being best-in-class, stand-out talent, and the other being miserable, disenfranchised players whose résumés are papering the street. We have never cared about the second bubble. We are not in the business of helping people find jobs. The niche IDW has cultivated is to help the best funds attract exceptional talent. We only go after that first bubble. If there is overlap, it's a happy coincidence.

Levy: What are some recent trends you have seen with regard to talent?

Weinstein: We are all about, and only about, cultivating the most talented people in our industry.

Historically, the overlap between those two bubbles was low; as you might expect, talented people sat at what they thought were the best funds and were not receptive to leaving. This made our job difficult because we were only as strong as our ability to create an opportunity that didn't exist where they were.

Now many people are telling us how frustrated they are — so that overlap in my Venn diagram has never been greater. It feels like we at the center of a perfect storm.

It feels like we at the center of a perfect storm.

Even if fund performance is better this year, we are still coming off the back of three to four years where these people outperformed the funds in which they work. If you have multiple years of profit and loss where you were the bulk of your fund’s return — sometimes in its entirety — and then have compensation netted by poor performance in other parts of the fund, you start to question the value proposition.

These last few years have given these investment professionals more experience and confidence and made them more willing to bet on themselves. I recently interviewed someone who referred to this as “labor arbitrage” — his view of how he was being taken advantage of at the fund in which he sits. The risk-reward dynamic of staying and leaving changes. Funds that have the resources and forward-thinking-ness to seize this moment are going to pick up the best people in our business.

Levy: How would you describe the current hiring environment?

Weinstein: Robust! All the doomsayers in 2016 who predicted industry AUM would fall by some big percent were dead wrong. The industry has never managed more capital that it does today. That is the yardstick of health for our business.

Ilana Weinstein.

However, LP patience is thin, and we are going to see more funds — big ones — shutter or become family offices. There will be a shakeout in this industry, and there should be. Yet overall AUM is growing, so that means those that remain will get bigger and there will be space for new entrants who can build something unique.

That said, you need to be rich to start a hedge fund now, to build something attractive to institutional LPs. The industry is moving to greater scale and more sophistication. Those that can leverage scale and invest in people and systems to drive opportunities will win.

Levy: So if once upon a time the natural progression was to leave and start a fund but that is tougher now, where do these talented people go?

Weinstein: The best platforms are becoming more creative and bespoke about how they attract talent. I liken it to a managed account for an LP. There are accommodations made for someone truly unique — maybe more flexibility with risk parameters, concentration or the ability to invest in privates. More capital out of the gate — resources to build and train a team.

And then economics to take a lot of the risk off the table in the near term and unlimited upside longer term. If the choice is go at it on your own — bang the tin cup for capital, have a never-ending series of marketing meetings — and even if things go well still spend 20% to 30% of your time marketing because there is a natural 10% attrition of capital every year, and on top of this fund this enterprise out of your pocket until you break even (if you ever do) versus be plug and play somewhere, which will give you incredible resources, why take that risk?

And just to underscore that point, we are helping platforms gobble up small funds because the economics and time allocation of marketing versus investing no longer makes sense for these smaller guys.

Similarly, funds that have a real partnership are interesting. “Partner” is an overused and often meaningless title in our industry.

'Partner' is an overused and often meaningless title in our industry.

I can’t tell you the number of partners we meet, from big funds who can barely articulate what it means beyond looking good on their business card. Giving someone small points and then a “jump ball” for more is still a discretionary compensation model, in my view. It’s a convoluted way of saying the same thing. Once you get to a point where you are ready to do your own thing, you want to build something or having a meaningful stake in doing so.

The best platforms get you there as do funds with a real partnership and culture of meritocracy. We recently took a senior guy out of a firm he had been at for 14 years. He left because the founder created a role around him that leveraged his ability to build a business and mentor a team. Joining a $30 billion fund as a partner with a clear path on how to grow that stake and work directly for a founder who is brilliant at what he does and always expanding in ways that complement the fund’s strengths is exciting.

Levy: What has most surprised you in 15 years of interviewing the best people in this business?

Weinstein: How hard it can be to get them to make a move! Even now where they are the most receptive because of this disconnect between their performance and that of their fund, I still see the economic loss-aversion theory at play. These are people who are the most talented at taking risk for a living and yet when it comes to assessing their own career they have an inherent bias to weight the risks of a new opportunity over what they are likely to gain.

It’s amazing how lopsided their thinking can be, but luckily they are also highly rational, so once they wrap their head around what they are doing they can make the leap.

Levy: What is the most misunderstood aspect of the hedge-fund industry by hedge-fund investors?

Weinstein: Four things.

How lean these investment teams are. You can be a $10 billion-plus fund and have a team of five to 10 people if it’s a single-strategy fund. That means it is critical that everyone contribute in a meaningful way, but that is often not the case.

The strength of investment teams is lumpy. You may say so what but when the team is lean it matters. This is obfuscated when fund performance is good because everyone is happy and doing well and there is less individual accounting going on. Over the last few years returns were more challenging and it became clear who the stars are. If they leave it’s a problem.

Right now many talented people are unhappy and in-play LPs should know the hedge-fund industry is like a giant Jenga puzzle. All you need is a few key people to leave, returns drop, and the whole thing comes crashing down. If I’m an LP, I want to know who is key on the team and likelihood of them leaving. I don’t think anyone has this bird’s-eye view but us.

"Turnover" is not a bad word. Founders are often afraid of letting people go because of the perception of turnover by LPs. LPs should encourage founders to prune their team. This also makes room for talented people to grow and not be as vulnerable to our call. The key is for LPs to diligence who drove the turnover (founder or the person who left) and what the reputation is of the person leaving. The story that gets spun after the fact is often not the reality.

Levy: What do you think investment professionals in this industry most underestimate about themselves?

Weinstein: How difficult the transition is from analyst to portfolio manager to founder. These are different skill sets and people overrate their ability to make these transitions. An analyst is an idea generator. Once he becomes a portfolio manager he is no longer deploying capital through the lens of the founder. He is now responsible for portfolio construction, sizing, and hedging. The buck stops with him. I can’t tell you the number of people who don’t fully appreciate this ahead of time and flame out. As a founder you are building a team, running a business and dealing with LPs. There is little about an investment professional’s training that prepares him for this.

My second point is one I see talent becoming savvier about and that is how quickly things can change. Now that they have seen several large funds shut down and others struggling, there is more awareness about asking the right questions about where they sit.

Just because it’s a big, brand-name fund that doesn’t mean it is a stable seat. They need to look around and ask: "Are our returns differentiated? Are talented people likely to leave? Is the founder committed to investing in people, resources, and technology — effectively the future? Or is he just resting on his laurels?" That’s the kind of stuff we help people see through. Inertia is a killer and it’s a shame for a talented person not to be everything he can because he doesn’t have broader perspective.

Levy: What is critical for founders to know to hang on to their best people?

Weinstein: Founders need to provide their people with four things.

Impact: Their people need to feel like they can impact the bottom line. Even if the founder is the ultimate arbiter of how capital is deployed, if he has the right team they should be able to influence these decisions in a material way.

Transparency: Clarity around how they are measured; what they need to do to progress; why and how capital gets allocated. This is a pay-for-performance culture, and people need to feel connected to the results of the fund as well on their own trajectory.

Scope: Measured by remit and access to capital. As people progress they want to do more — maybe it’s a sector PM who now wants to expand to other sectors. Founders need to find a way to let talented people develop, or they will lose them.

Compensation: Obviously an important one and you need to know the market and be in line with that but if the above three are in good shape this one usually is too. It’s also the easiest one for a founder to fix.

Levy: What advice would you give to a young person coming out of school who wants to join a hedge fund? What kind of educational background are funds looking for now?

Weinstein: Focus on what lights you up — not the dollar signs. There are thousands of hedge funds, and most won’t make it.

There are thousands of hedge funds, and most won’t make it.

It’s like the dot-com bubble when I was coming out of school. Unless you live and breathe investing and everything that goes on in your area of interest, this is not for you. What I am most inspired by is passion. This manifests itself through someone who is on fire about what is evolving in his industry, sector, how committed he is. I know it when I see it.

I wouldn’t worry much about majors. School is a time to expand your horizons and learn how to think. That skill set and flexibility will serve you better as an investor than any individual class. I have had a few founders disparage the value of an MBA. They would rather the person spent those two years in an investing seat going through different markets. As an MBA myself I am mixed on that, but I understand the point.

Levy: What career advice would you give in general?

Weinstein: Always work harder than everyone else so you know you gave it your all. Very few people consistently put in 110%. It takes discipline but it’s worth it. It goes to the concept of grit too. I always tell my 13-year-old: "Being smart doesn’t count for much unless you pair that with exceptional effort." I didn’t have much growing up — I went to Stuyvesant High, which fostered an immigrant survivor culture — there was no safety net. No one was going to help me so I had to do it myself. That sense of needing to make it work also builds confidence because you see what you can do on your own and overcome.

That sense of needing to make it work also builds confidence because you see what you can do on your own and overcome.

It gives you the confidence to take risks. I wouldn’t be where I am if not for that set of experiences.

You also have to keep moving forward and not take things personally. I deal with a lot of colorful and sometimes intense personalities. I won’t deal with bad people, but other than that I can pretty much handle anything! It sounds clichéd, but it is true. If things don’t go your way, pick yourself up and move on. You will learn from it and do better next time. Don’t get bogged down in negativity.

As my dad often said: "Don’t sweat the small stuff. It’s all small stuff." I have to remind myself of that sometimes because I care deeply about what I do, but dwelling on negative things is not productive.

Weinstein: What was the most formative moment in your career?

Levy: I was at a big search firm and thinking about starting my own company. I didn’t know if I could build a business but knew I was good at what I did. I asked a client if he worked with me because of me or the fact that I was part of a big firm. I don’t know if he knew what was behind my question but he said, “Ilana I don’t even know the name of your firm.” Of course he was being cute but it gave me the confidence to go for it.

CNBC/ Heidi Guzman

Levy: Why are there so few women in investing seats, and what needs to be done to change that?

Weinstein: I gave a lecture on the hedge-fund industry at Wharton earlier this year, and one of the female students asked me that. I in turn asked how many women in the room wanted to join a hedge fund, and barely any hands went up. I then asked how many men, and about 70% of the guys raised their hands.

So there is self-selection going on which makes the pool shallow. You then factor in attrition, and by the time we get there we have very few talented women to pull from.

I can tell you, founders do want more women, but this is a meritocracy — they have a fiduciary duty to their LPs to hire the best possible person. If we had more women electing to go into the industry, we would have better numbers. It’s also a circular loop — women don’t see many female role models, so this dampens their interest. That being said, I do think there is something to this industry still being relatively young.

Look at law, medicine, banking, and consulting. They all have better female representation in senior roles. When I was at Harvard, the MBA class was roughly 30% female. Now I am told it is closer to 50%. So hopefully this is something that changes over time, but we have to do a better job of encouraging talented women to join from the get-go.

NOW WATCH: We talked to the chief investment strategist at $920 billion fund giant Invesco about where you should invest right now

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