#i spend 50 hrs a week at work/transporting to work
Explore tagged Tumblr posts
gooboogy · 1 year ago
Text
The thing about OCD is I'm sooooo good at brushing my teeth and taking a shower and getting ready for work on time every single day. I'm also sooooo good at trapping myself in a mental torture dungeon and weaponizing any attempt to get out of there by gaslighting myself. "You're crazy, you don't know what you need. However I, the torture machine in your brain, do and you need to listen to me or else you and everyone you love will die painfully and full of regret <3"
6 notes · View notes
nemospecific · 6 months ago
Text
I saw another headline about "frugal millionaires" and that always pisses me off, so a quick refresher:
You cannot save your way to wealth
By which I mean, if you're getting paid jack shit you'll never be able to save enough to become rich.
Rough round figures: 40 hrs a week (no guarantee these days), 50 weeks a year (holidays, sick days, vacation, and just rounding down for ease of math), let us say 2,000 hours a year.
1,000,000 / 2,000 = 500
So to make a million dollars in a year, with no expenses (like food, clothes, transportation) you need to get $500 an hour. Even if you got to a million over a decade, that's $50 an hour. Without spending ANY of it!
If you're making $20, it'd take you 25 years to make a million dollars. And again, somehow without spending any of it. Or 50 years at $10.
You can't save your way to wealth in the same way you can't build muscle by starving. If there's nothing to work with, there's nowhere to go.
0 notes
spacemuffinz · 5 years ago
Text
what do life
so i work across town and it’s a giant pain in the butt to get there and home every day, i sometimes spend $20 a day on lyft if the buses aren’t running. but i only make about $50 a day cuz i get like 8.50/hr doing 35/wk. 
so i put in an application at a different gas station literally less than 1 mile away from my house.
the next DAY, my boss got punched in the face and got a broken nose from a theify customer. 
2 days after that, qik n ez has me come in for an interview. all goes well and they said they’ll call back by tuesday. friday came and i never heard anything so i thought i got passed over. no biggy. 
then the boss decides to transfer to a safer store down near my neighborhood cuz he’s shook and he wants to transfer me with him cuz he knows my situation is shitty. and starting tomorrow i work at that new store which is only 1.7 miles from my house. COOL RIGHT? 
BUT THEN qik n ez called me back yesterday and had me come in today. they want me to start TOMORROW NIGHT. at 10/hr. with the possibility of full time within the first 2 months. and if i make them wait 2 weeks they’ll hire someone else.
but i’m supposed to work 4-11 tomorrow at the current job. i can’t work both because they’re competition. which i think is dumb. it’s not like i can afford to shop at a convenience store ever anyway. but it’s only 7 hours at 8.50. instead of 8 hours at 10. that’s like a whole extra $20 and i don’t have to pay for transportation. 
so i had to just up and quit without a 2 weeks notice. so i can have this way better job. and quitting that way is a no-rehire offense. 
and idk guys i’m freaking out someone comfort me did i do the right thing or am i an idiot 
14 notes · View notes
optomstudies · 7 years ago
Photo
Tumblr media
How can I save up/learn how to budget when I'm doing part time work in uni? I could be saving up for a holiday or planning to move out and/or planning to do my Master's after my Bachelor's. Let's say I'm earning $20/hr and doing 15 hours/week for the next 3 years?
Hi there! Great question! I’ve written posts about some tips for Saving Money 1 and Saving Money 2, so here they are for reference :) To more specifically answer your question
SPENDING MONEY
Change your way of thinking (if you haven’t already). We all need money to live comfortably; without it you’ll struggle on a daily basis. Hence, it’s very important to learn to budget. But at the same time, budgeting for budgeting’s sake can give you feelings of anxiety and frustration, and even lead to conflicts with others who are less thrifty. 
So, strike a balance. Don’t spend recklessly, but don’t constrain yourself so much that if you were to die tomorrow, you would not have spent a dollar of your hard earned cash on yourself or your loved ones.
A good way is to consider whether purchasing something is a good idea is to think whether it is going to give you a good experience. Some people say you should only purchase something if it’s an experience, but objects can symbolise things like accomplishment for sentimentalists, I recommend the Konmari method although it’s idealistic, but temper the advice with a bit of practicality and discretion. 
Never spend more than you earn!
BUDGETING
Have an emergency fund of at least 6 months’ living expenses before you touch anything. This is like a recommended rule of thumb from financial experts, just in case you suddenly lose your job or are unable to work. Save up more if you’re in an industry where it’s very competitive and hard to find a job straightaway. 
Use a budgeting tool! You can either use Microsoft Excel if you want something more flexible and suited to your needs, or you can find templates available online. These are very helpful when you’re just starting out and aren’t too sure what to do. You only need to pop in some numbers and it’ll make a suggested budget for you. 
I recommend this website for budget templates. They’ve got yearly/monthly/weekly budgets. 
Have both long and short term budgets - for large project saving and day to day living, respectively. 
Work out how much you are able to save in each dollar. If living at home/rent-free, save 50c in a dollar. If renting, save 20-30c in a dollar. 
HOW TO MOTIVATE YOURSELF TO SAVE MONEY
Have a calendar that you can put ticks or crosses on each week depending on if you met the budgeting goal - gives you an overview, and not wanting to break the line of ticks is motivating!
Have a separate Saver account. I find myself reaching to spend less if I have to consciously transfer money from the Saver account into the Daily Transactions account to use it. 
Use cash when you go out. When you’re holding $100 in notes, it feels a lot more expensive than seeing $100 in digitalised text; there were studies done showing people spend more using a card vs. cash. 
Break notes as soon as you can. Store all the spare change into your pocket and have a piggy bank at home where you’ll put the coins into as soon as you get home. Because when you withdraw from the bank you get a bunch of $50 or $100 notes, so seeing that stack at home deplete really quickly (even if it’s just being changed into coins) is also really motivating!
MY STUDY TIPS
My study tips directory (web only) for the full list (over 60+ original posts/guides!)
NEWEST STUDY TIPS
07/11 APUSH Masterpost 06/11 How Your ATAR is Calculated Infographic 04/11 Reading a Scientific Journal Article 📜 02/11 Tips: Tackling Assignments while Sick 🤒 30/10 Tips for Writing Faster 🖊️ 29/10 Self Study Tips 📔 26/10 Staying Productive No Matter How Much Time You Have 🕖
23/10 Studying When You’re Sick 😷 22/10 Interview Tips 👔 20/10 Studying with the Cornell Method 📝 18/10 High School vs. University 🏫 18/10 Chasing Dreams 💫 or Income 💸 17/10 Public Speaking Tips 🎤 17/10 Studying In Noisy Places
UNIVERSITY STUDY TIPS SERIES
Part 0 Choosing a Degree - what’s right for you? popular!!
> Things to Consider Before Switching Degrees!
> Changing Degrees
Part 1 Administration - choosing majors, available services, choosing class times etc.
Part 2 Getting to Class - pros and cons of attending class, when you should choose not to attend, advice about choosing a backpack and other essential equipment.
> Laptop Considerations and Recommendations
Part 3 Studying - differences between high school and uni, basic tips on how to keep on track, class types like lectures, tutorials, etc.
Part 4 Extra-Curriculars - what clubs to join, what to do outside class, and other great things to discover around campus.
Part 5 Exams - everything to know about examiners, how to prepare, what happens during the whole examination process.
Part 6 Social Life - differences between high school and university, some hard learnt lessons, etc.
Part 7 Part Time Work
Part 8 Four Secrets The Uni Tells You
Part 9 Best Study Spots On Campus
Part 10 Saving Money 1 - Food, Transport, Entertainment
Part 10 Saving Money 2 - Textbooks, Tax, Scholarships
Part 11 Adapting to Uni Study - 3 big differences from studying in high school popular!!
Part 12 How to Study From Textbooks in Uni
Dealing with Lazy Group Members - five options for what to do and how to do it! popular!!
OTHER POPULAR POSTS
Weekly Planner Printable with Extra Space for Sat/Sun  popular!!
Overcoming the Planning Fallacy
Study Spaces Masterpost
Studying and your Visual System
Catching Up with Your Studies  popular!!
Sleeping and Waking Up Early  popular!!
My 2017 Planner and Bullet Journal  popular!!
310 notes · View notes
yournewapartment · 7 years ago
Note
So I'm a Canadian who will be moving to Scotland later this month for university and I'm wondering: Do you have any tips for getting settled in a new country? This will be the first time I'm buying my own groceries and not using student loans so budgeting advice is also welcome.
This ask has been sitting in my inbox for like at least a month... I’m so sorry! Some posts take more time to write then others. I actually have about four asks that are all essentially this same question, so I’m going to just combine them all into one post. 
As for budgeting... here’s my two cents, in terms of Minimum Wage.
Budgeting on Minimum Wage
Overview
The average minimum wage in the US is $7.25/hr. Even working full time at 40 hours a week, that’s only a profit of $290 before taxes. This is not a fair living wage! You are worth way more than this amount! I strongly encourage you to start looking for another job that pays better, look for something around the $10-$15 range.
While $7.25 is atrocious, thousands of people around the world support families on much less. If they can do it while supporting children, so can you! To live off a minimum wage budget you need to declare yourself independent. If your parents are still claiming you as a dependent YOU WILL NOT BE ABLE TO DO THIS. I also recommend that you have the highest amount possible taken out of your taxes so that you get money back from your state at the end of the year, instead of being in debt to them.
What I’ve done is come up with a budgeting plan based off some made up factors and my own personal experience.
Housing
1. City life. Forget about the city! Apartments located in cities can be three times as expensive as apartments in small towns or villages. On top of the extra expense, they’re much smaller and have less amenities included. I’d much rather live in a one bedroom apartment with a dishwasher and a conveniently located Laundromat, than a literal closet with no windows on a fifth floor walkup. Look for apartments twenty minutes to a half hour outside of your closest city. Now you have the close conveniences of a city, with none of those pesky city prices that your budget can’t handle.
2. College towns. Shop around and look at apartments by local colleges. Large colleges with have apartment complexes within walking distance of the school grounds. Landlords know that college students have less money (you might even be a college student yourself) and adjust their prices accordingly. Even apartments next to ivy league schools are priced this way, so don’t be discouraged by the institution’s “prestige”.
3. Locale. Your safety is more important than your bank account. It doesn’t matter if you live in Section 8 housing or in an affluent suburb. Some apartment complexes and neighborhoods are just safer than others. I live in a heavily populated and upper middle class suburb, and the first year I moved in, a drunk woman tried to throw a beer bottle at my car. Thankfully this is the only time this happened to me, but it made me feel unsafe in my environment. Before signing a lease, walk or drive around your prospective home’s neighborhood at night. Take in the atmosphere, and make sure it’s one where you could comfortably run to the local supermarket at 10:30pm and pick up toilet paper.
4. Roommates. Living on minimum wage requires that you find one or two roommates to help split the rent. The more the better! Get together with your more responsible friends, so at least you’re living with people whose company you enjoy. There are lots of “roommate wanted” forums and message boards for you to browse on the internet, but always bring a responsible adult with you before meeting a stranger. Please. Bring your mom if you have too.
Food
1. Low-spoon food. I created this post a few months ago which offers lots of suggestions about cooking and shopping on a budget.
2. Online recipes. Here are some of my favorite online Tumblr cookbook resources.
- College Student Cookbook. Click here.
- Meals On The Go. Click here. (Not a cookbook, but super helpful)
- Broke College Kid Masterpost. Click here.
- Cooking on A Bootstrap. Click here.
- Good and Cheap. Click here.
- Budget Bytes. Click here.
3. I also regularly update my cooking on a budget tag.
Misc Expenses
1. Gas. Shop around and find the cheapest gas in your area. Avoid gas stations next to colleges, highways, and in touristy areas. Look into getting as gas rewards card from your favorite supermarket. I get 10 cents off a gallon with Stop & Shop every time I do a big shop.
2. Dollar store. Get to know your local dollar and bargain stores. You can buy everything from pots and pans to bed sheets there. These stores often sell bulk ramen for $1 and large cans of crushed tomatoes for 75 cents. That’s enough food for you to live off of for several days. When shopping, I make three grocery store stops to ensure that I spend the least amount possible on my pantry needs. I go Dollar Store, Stop and Shop, and then to my local organic grocery store. I’m going to make a list of things that I buy at Dollar Stores and things that I don’t buy at Dollar Stores soon!
3. Cable. We are living in the digital age- you don’t need cable television. Use Netflix or Hulu or whatever. It will save you tons of $$.
4. Internet. As far as internet speed goes, if you’re living with roommates you will probably need a higher speed. Living by yourself, choose a lower one. Most internet companies offer large discounts to new subscribers. These typically only last a year, but will save you serious money. Make sure to take note of when this discount expires, and contact the company before it does. If you don’t, they’ll begin charging you the full amount without notice.
5. Verizon. I just want to take a moment to talk about how much I love Verizon because they have literally saved me so much money in the three years I’ve been with them. After you sign a contract with a new internet company, they charge you a bunch of ridiculous fees like “activation fees” and “installation fees”. I called Verizon and was like “I’m a poor college student, I can’t afford this” and they were like “don’t worry, we’ll waive the fee”. I signed a two year contract with them that saved me $80 on a high-speed internet bill per month (my price being only 50.99 a month). After the contract expired I call them and they put me on a month to month, keeping the price absolutely the same. TLDR- get Verizon if you can.
6. Utility. Get on a monthly budget with whatever utility company services your new apartment. Although it may seem like the cheaper option, paying the actual amount of electricity you spend per month is the more expensive. It’s also unpredictable, and a minimum wage budget won’t allow for it. See this for more info.
7. Amazon. I buy a lot of my beauty, cleaning, and cat products online. Amazon offers Prime shipping free for a year with a student email address, and then offers it at a greatly reduced price after the year. If you are a student, snap up that free deal ASAP. If it’s in your budget, I’d greatly recommend investing in Amazon Prime.
8. Saving money. It’s so important to attempt to break way from the “paycheck to paycheck” vicious cycle. Living this way does not allow for emergency expense money, and trust me, sometime soon you will need emergency expense money. Your cat might get sick or your car may die, whatever it is, it’s always smart to have at least $500 squirreled away. I’m gonna level with you, things have been tight for my budget and I haven’t been able to save anything for the past three months. But this month I will!
Example Budgets
Full Time
Working with the $7.25/hr and 40hr/week model, here’s an example budget for living on minimum wage. That’s $1,160 a month without taxes.
Housing: Let’s say you’re sharing an apartment with two close friends, the rent being $1,500 without any amenities. That rent split three ways is $500 each.
Gas I commute twenty minutes every day, and I drop about $20-$25 a week on gas. That’s $100 on gas a month.
Food: I do one big shopping a month with my boyfriend. We drop around $180 and that’s including toiletries and soap and stuff. So maybe you’ll spend about $100 a month on all your shopping needs.
Cable/internet:  Hopefully you took my advice and skipped cable. Let’s say you’re paying around $50 per month for internet. Split three ways that’s $17 each.
Laundry: Hopefully you’re not like me and are only spending around $20 on laundry per month.
Random expenses: Because there always are some. Let’s just tack on another $100.
With everything added up, you still have around $290 left before taxes! That money can go into a savings account, and after several months, you’ll have that $500 worth of emergency money saved.
Part Time
Working with the $7.25/hr and 25hr/week model, here’s an example budget for living on minimum wage. That’s $725 without taxes.
Housing: In this case, you need to look for apartments in the $800-900 range. In my area, one bedroom apartments go for around $1000, so you may need to get creative with your roommate (I don’t think you could have more than one roommate in this situation). Buy dividers to split the bedroom or studio in half! Let’s say your rent is $850 with nothing included, that’s $425 each.
Gas You’re still looking at a large gas bill per month, so it may be more inexpensive to ride a bike or use public transportation. Let’s say you use public transportation, and spend around $50 a month on that. Or maybe you and your roommate can split gas expenses and share a car?
Food: Pinch those pennies! Use some of those budget cookbooks I linked above to help you cook healthy and delicious meals for under $4 each. See if you can only spend $80 a month on groceries.
Cable/internet:  Hopefully you took my advice and skipped cable. Let’s say you’re paying around $50 per month for internet. Split two ways is $25 each.
Laundry: Hopefully you’re not like me and are only spending around $20 on laundry per month.
Random expenses: Because there always are some. Let’s just tack on another $100.
That leaves you $25 to put in your bank account, if that. This is a paycheck to paycheck situation, and you will probably need to get another source of income to feel secure. But you can still do it!
107 notes · View notes
mashalocked-blog · 7 years ago
Text
[Translation] Talking FM - 21 Oct 2017
Masha talks about taxes, rocket travel, guitar recommendations, real estate, and so much more. 
Credits to elegantias on Facebook for their Chinese translations!
Songs played: Sou ~new love new world~, jazz and Hepburn and you, Kazoku ni Narou yo, Nagareboshi, Sanctuary
youtube
LINK TO SUBTITLES DOWNLOAD
~
Full transcript:
It’s been a month since the House of Representatives was suddenly dissolved, tomorrow is election day. It all depends on the choice of the voters, your vote matters! Let’s vote! Good afternoon, let’s create a new world in our lives! I’m Fukuyama Masaharu! Yes, tomorrow is election day, of course I’ll be voting! Your vote can change the future of Japan! The opening song is Fukuyama Masaharu’s ‘Sou ~new love new world~’! 21 October 2017, 2pm. I'm Fukuyama Masaharu. This election is said to be the most intense one in recent times. Tomorrow is election day, I normally cast my vote on an earlier date, I think it should be the same this time too…? Actually, today’s broadcast is pre-recorded. In this election, young people can participate in voting too, it’s the first election to accept votes from 18/19 years old voters. How will it turn out? I: At that age, I didn’t have any interest in voting. Honestly speaking, me too! I was such a fool, so when I started paying high taxes, I wondered, “Ah, I have to pay so much, I clearly received so much royalties but why do I have to pay so much in taxes?” I: Did you discover it during ‘Good night’? Not yet! I: Not yet? I didn’t have to pay so much tax yet during ‘Good night’. I: So, you realised during ‘Sakurazaka’? The amount of taxes then was so high!! Although I was surprised when I received so much money, I was even more shocked when I had to pay taxes. But to live in Japan, I have to pay these taxes. So, it became the first time I thought of the question, “What are my taxes being used on?” Of course, there are many people who pay more taxes than me, but I don’t really know much about that. I learnt that taxes are used on security, culture and basic social security. I thought, “If I stay in this country, I’ll receive a pension.” But times have changed, and it makes no difference even if I’m no longer staying in Japan, although there was such a system in the past. Social security is just a number, and it doesn’t represent much. But if people get retrenched, where do they go and live after their 50s? I’ve thought of this problem before, including this problem in Japan itself. I’ve mentioned before that Fukuoka and Sendai are good choices. I: In these times, no matter where a musician goes, he can still continue working. Yes, he can still work. Also, where should the registered place of residence be moved to? A person can consider constantly changing the place by immigrating overseas, occasionally returning to Japan. What will my relationship with Japan be like then? I’ve thought a lot about problems like these. Today’s show will feature “I’m sorry, mother” letters from all over the country. This goes hand in hand with the new single, titled “I’m sorry, mother”… (t/n: a joke, please don’t go searching for this) The “I’m sorry, mother” plan, will it ever be realised? Anyway, there are many letters from mothers too, from all over Japan. Please look forward to it! Also, we will do a mass sending out of stickers from this show today. Just tell us the two keywords that we will mention in this broadcast, and you might win the stickers! We’re going to send out 99 stickers! Ah? We’ve already decided on 99 stickers? Why? I: Because today is the 99th broadcast of the show. Eh? Really? It’s the 100th episode the next week? The first keyword is ‘I’m sorry, mother’. The second keyword will be announced later, please listen carefully! 21 October, the mass giveaway of 99 stickers! It’s the season of holidays, if it takes only 35 minutes to go to New York, will you try it? I just saw this news recently. I: This is a plan from an American space development company, SpaceX. It has plans to use rockets as international transport for passengers. From Tokyo to New York, it’ll take only 35 minutes. The highest speed is 27000km/hr, but when this will be released hasn’t been announced yet. I know, but why does it only take 35 minutes? I don’t get it. After take-off, will we reach after turning around a few corners? I: Because the Earth is spinning too. Since the Earth is spinning too, that’s really convenient isn’t it? I: Just 35 minutes. But the businessmen in Tokyo and New York will be very busy. The 10 hours spent on an international flight are very important, it’s a time when no one bothers you. Recently, I travelled to Venice and San Sebastian for international film festivals. In the past, I thought taking a 11, 12 hours flight to Frankfurt was a long time… but I think it’s such a short time now! I do this and that, then I sleep. The schedule is too tight. “Ah!! I’m going to reach! My private time is over!” It feels very short. It felt long in the past, since I could sleep again and again and wake up to find that I haven’t arrived yet. Nowadays, my thoughts on this have changed. I: So even if this rocket is put into use, you’ll still… I’ll still consider it, since I can reach New York in 35 minutes. I can adapt to the time difference on the first day and start working the next day, perhaps I’ll schedule it this way. But although humans often say they’ll make full use of the time when they’re at a meeting, they’ll turn around and say, “If anything happens, we can have a few reserve days.” The schedule becomes like this! The world is annoying like this! There’s advantages and disadvantages to this. Fuji-kun from Kanagawa Prefecture, male, 39 years old: I’ll be going for the males-only concert this year! M: Thank you! Every year, I look forward to it. \NM: Thanks, please bring a hundred friends too. I’m writing this letter because there’s something I cannot understand. My daughter is entering high school this year, and she says she wants to buy a guitar. M: It’s SHISHAMO! (t/n: high school Japanese band) Fujiwara Sakura! She says she wants to buy a guitar, but I don’t know how to choose. I thought it would be best to ask Masha, do you have any guitar recommendations for girls? Honestly, a guitar maniac’s answer would be the old Yamaha FG series. It was produced in the 70s, the tone is great and it’s cheap. You can buy it at 4/5/60,000 yen. But you have to spend some time to repair most of them, such as the fret wire and the nut. So, it adds up to around 7/80,000 yen since you have to spend a bit more. But I feel that rather than buying a new guitar at 100,000 yen, it’s better to buy a guitar from the 70s, it’s even better if you get one from the 60s. If you buy the Yamaha FG series, you still have to repair it later, so you’ll spend around the same amount of money. But the tone is much better. A while ago, I went to Music Station and talked to Yuzu’s Iwasawa Koji. Iwasawa is still using the Yamaha FG series guitar, an old one. It's an amazing guitar. Kazuyan from Gunma Prefecture, male, 47 years old: I wrote this letter because I wanted to ask for your opinion. I’m the same age as you, but my daughter is currently 14 years old, in the 2nd grade in junior high. As the years go by, we talk less and less each year. She seems to be very impatient. “Hey, daughter, do you hate your dad?! What do you hate about me? You’ve got to tell me what you’re unhappy about! Isn’t that right, her mother?” She says my general cleanliness is terrible, so I drank and cried the whole night away (actually it’s a lie). M: Kazuyan, honestly, you can do without the lie… I want to become cleaner, but I don’t know how to do that. I’m just a normal office worker, there’s nothing visibly weird about me. So even if I want to become cleaner, I don’t know what I should do to make others feel that I’m clean. I think you give off a fresh/clean feeling, so what should I take note of to seem like a clean person to others? Please give me advice since we’re the same age, thank you. Kazuyan, it’s the hair on your nape and near your ears, what is it called? Anyway, these two places have to give off a clean feeling. Imanami, did you cut your hair today? I: I did. As long as you cut the hair on your nape, you’ll seem clean. Also, the feeling that the skin gives off to other people - skin shouldn’t be dry, your face shouldn’t be too oily too. What should you do then? The older you get, the more important your hairstyle becomes. I don’t like my hairstyle too. Actually, I want to get an even shorter haircut. I: Shorter than now? I want to get a really short haircut. I: Like a kariage? (t/n: kariage = sides shaved, short back hairstyle) A kariage doesn’t fit me, I don’t want it. I want to get a shorter fringe though. I’m only allowing my fringe to grow this long because of CFs and dramas, since a long fringe can form many hairstyles. Actually, I don’t normally do my hair. I honestly don’t like my fringe. Ah, besides this, there’s the nails too. Imanami, can I see your nails? Don’t pick your nails, I’ve told you before. I: Don’t you feel like picking at your nails? Definitely not! It’s because I don’t pick my nails, so I put nail protection cream. Taking care of your nails can help you maintain your hygiene, especially for middle-aged men. I want to do something about my toenails too, it often grows crookedly. I: The ends often split. Yes, yes! I: And then I’ll pick at it. I told you not to do that. I: After I pull it out, it’ll grow back. You can’t pick at it. The ends of your toenails are too white, it looks like a fossil. I: That’s right. It’s like excavating fossils. My hands can’t touch some of my toenails… I really want to do something about them… it’s better to go to a beautician. The you who lives in Tokyo, do you think Tokyo is a good place to live in? Recently, a study examined the economy and liveability statistics of 44 cities around the world and ranked them. Tokyo got 3rd place for 2 years straight. I: The 2nd place for these 2 years is New York, but the gap has lessened. Which city is the first? I: London. The property prices in these cities are very high. I: Are you considering property prices? Of course. I don’t really like these cities, whether it’s London or New York or Tokyo, because the property prices are really high, especially in London. It would be better if the property prices were a bit cheaper. I: Yes, the real estate rankings aren’t good. It's in 17th place. New York is expensive too. I: New York is in 34th place. It’s expensive to live in Tokyo too. I: 14th place. I think a better place would be Singapore. I: That’s true overall, but the liveability ranking is only at 28th place. Well, I won’t look at the property in Singapore then. My grandfather was in real estate, I suppose I inherited this interest from him. It’s hereditary. Since I was young, I’ve always been looking at property, I still like real estate even now. But the properties in Tokyo, London and New York are really very expensive. How should I look at this ranking? The next segment is 'I'm sorry, mother'. Saga Prefecture, Tsuku-chan, 41 years old, office worker, male: This segment ‘I’m sorry, mother’ is very moving, I have a story I want to share too! Now that I look back, my mother has always taken care of me with her motherly love and warmth, but I’ve only given her trouble and worries. I used to be like a countryside bully, often using “Omae!” to call my mother. (t/n: Omae is used by seniors to address juniors.) M: S-A-G-A, Saga Prefecture. During junior high, I was unapologetic even when I saw my teacher and mother running around because of me. The only woman I’ve ever hit was my mother. M: You hit your mother?! When we were arguing, I hit her face and she cried. I only regretted it then. After I hit her, I didn’t speak to her for a month. It was a painful time. But she still secretly prepared a birthday cake for me, I was so embarrassed. I only got into less trouble when I entered high school. I was such a fool back then, I made her worry so much. After 20 years, I’ve become an office worker. When I think of what happened then, I feel even more apologetic towards my mother now. But I can’t simply tell her I’m sorry, because she’ll start crying once she hears my apology. She won’t be able to stop crying! (t/n: Kyushu accent) I can’t say sorry, so I say thank you instead to make up for what I did in the past. What a fool! I think you should just write a letter. Using this letter from the broadcast, tell her “I wrote a letter to Fukuyama, he says it’s best to write you a letter." If she asks “what?”, you can tell her “no, it was Fukuyama who told me to write it.” If she says anything, just tell her “Fukuyama told me to do it.” Do write a letter to her. Kanagawa Prefecture, Hironobu, 42 years old, male, office worker: Fukuyama-san, I enjoy listening to your show every week, I’ve been listening for more than 10 years already. This is the first time I’m writing a letter to you. After hearing about the segment ‘I’m sorry, mother’, I thought of me and my mother. M: The first letter after listening for 10 years, because of this segment. When I was born, my father had already passed away. It was my mother who raised me alone. Although I didn’t do anything bad, but I did go through a rebellious phase and I had a bad relationship with my mother then. I still remember it clearly even now. When I was in the 2nd grade of junior high, my mother was 42 years old. She asked, “Hironobu, if…and I’m saying if, I have a boyfriend, what do you think of it?” I got shocked, so I immediately said, “How did you get a boyfriend! You’re an old and ugly woman!” Actually, this wasn’t what I really thought, I just carelessly said it because I was surprised. At that time, my mother… M: That’s a weird way of responding. I still remember my mother’s weird smile then, even now. M: That’s not a weird smile, it’s a forced one. Afterwards, I met with a guy who seemed to be my mother’s boyfriend at a family restaurant in my hometown. He said hello to me, then I left to meet my friend from a school club. When I went home, I told my mother, “I hate that sort of old man.” I never saw him again. My mother is living alone healthily now, but when I think of this, I wonder if I’ve ruined my mother’s happiness. I feel really apologetic towards my mother. Everyone is like this, when we’re young we tend to see the opposite sex as females. But our mothers are still our mothers, but for the first time we realise that our mothers are females too. But during this period, we don’t want to acknowledge this fact. Especially to a boy in junior high, his mother isn’t a woman, but a mother. It’s weird to see her with a boyfriend. I: This is especially true in this period… but when it’s more acceptable once the boy reaches his 20s. It’s really hard to accept. Hironobu, you and your mother… perhaps your mother doesn’t have confidence. I hope Hironobu can decide. Your mother was in her prime years when she gave birth to you at 28 years old. There probably were men who liked her, since she was in her prime then. But because she had to raise you up alone, she didn’t have time to get into a relationship. Later, perhaps at work, she meets a man. She felt his warmth, but because she hadn’t been in a romantic relationship for so long, she forgot how to be in one. So, she wanted to show you who he was before deciding. But since Hironobu couldn’t accept him, this romance ended. It’s not Hironobu’s fault, your words may have been a good thing for you and your mother. Honestly, a man may never be able to see his mother as a woman for his whole life. I: Even now, it still feels like she comes from a planet of mothers. An alien mother from the planet of mothers. When mothers decide to remarry… there are many reasons, be it for finance or psychological support. It’s normal to want to remarry. But whether the child can accept, I don't know. my father passed away when I was 17 years old. If my mother now wants to find a partner in the final years of her life, and she wants to marry him or stay with him without marrying him, I don’t think I’ll call that man my father. At this age… I: Man-to-man, I think you’ll just say, “I’ll hand my mother to you then.” Of course, there are people who still want to accept a new family member and call him “dad”. But at this age, I won’t. Everyone has their own anniversaries, and today’s date is an anniversary to me too… what is this… I’ve mentioned this before, Imanami. Can you be a bit better with dates? I: You’re releasing more and more singles, this is just an anniversary of a single’s release. What the hell is that, a single release anniversary? I: Today is the anniversary of your 4th single, ‘WOH WOW/It’s Just That I’ve Changed’. It achieved 89th place on Oricon in 1991. What are you trying to say? I: Your next single became popular. Good night? The sales only got a bit better. I: You’ve said this before, WOH WOW was the last song you couldn’t sell out. That…that…you’re phrasing it in such a delicate way, are you making fun of me?! I: No, no. Fukuyama, this is the last song you couldn’t sell out! This is the last song I couldn’t sell out! You’re too much, is there still such a way of bullying in the 21st century?! Is this the new way of bullying in 2017? I: But this song was the first one to enter the Oricon charts, how did you feel then? About that… everyone often asks me, “How did you feel then?” I was very happy, but I wasn’t overly excited. I remember that I was thinking that I could finally see a pinhole-sized light. Thank you, BROS! Saga Prefecture, Ago-chan, 57 years old, housewife, female: I went to the gym/after two days/my butt jive up. M: What does jive up mean? After my husband retired, I wanted to keep fit. I started to do walking exercises every morning, and I went to the gym too. I really wanted to work out, so I went to the gym. I felt like I had to try everything, so I tried out every single machine, including the squat weightlifting bar. M: Seya!! (t/n: Kansai-ben, meaning that's how it is) But when I stepped hard on the ground, the old companion in my butt, the secretly hidden haemorrhoids said, “Hello!” I: Hahaha… that… even now, ‘Hello!’ is still an important song… M: I know… The haemorrhoids said, “Hello!” and jumped out into the clear, it was so painful. The coach was a young man and he ran over to help me up, asking, “Is your waist alright? Is there something wrong with your waist? It’s your waist, right!” I said, “Yes, it’s my waist that’s hurting.” M: Why didn’t he ask whether it’s your haemorrhoids… Afterwards, I used my own experience to resolve it quickly. M: Ago-chan, you’re so well-experienced… no, you’re a professional! “I quickly dealt with it, then I continued working out.” Your haemorrhoids came out already though! When I went home in the car, my husband said, “Just now, you just… Bonjour, right? Don’t lift weights anymore!” My dad said ‘Hello’ to this before too. I: He had it inside? It split? It split inside-out! On the surface too. I: How painful. He often shoved it back in. “Ah, so you can just shove it back in with a push! Amazing! So it comes out like this!” Fukuoka Prefecture, Mikiko-chan, housewife, female, 54 years old: I met my ex-boyfriend in a funeral home. In February this year, I met my ex-boyfriend from high school again. The venue was my aunt’s funeral. He was in charge of greeting the family members. His hair has started to become thinner and his looks changed a lot too. But I recognised him at first sight, so we talked about the past. Because I’m a family member and he’s an employee, we couldn’t talk for too long. Even though I’m his ex-girlfriend, I feel like he did his work too poorly. My relatives were a little annoyed too, and my 25-year-old niece even said, “That baldy! I can’t wait for all your hair to drop out! Baldy!” I didn’t dare to say that I was his ex-girlfriend when the funeral ended. At this age, when I hear someone say bad things about my ex, I still feel a bit sensitive over it. M: Of course! You can criticise his work, but saying that he’s a baldy is a bit… he even wanted all his hair to drop out, he shouldn’t be like this. It’s rather rare to meet an ex-boyfriend at a funeral, but at this age, we’re all concerned about people from the past. It’s easy for them to know how I’ve been living, but I want to see them again. I wonder how they’re doing since we haven’t met for so long. (t/n: talks about Kanpai Japan concert, males-only concert, his new song for the Totto-chan drama. Skip to 35:20 for subtitles) The last keyword for the stickers contest is ‘The males-only concert is forever!’ Please put both keywords together and send it to us for the lucky draw. It’s interesting if you put them both together… (t/n: I’m sorry, mother, the males-only concert is forever!) Next week’s broadcast is the 100th episode! We’ll read lots of letters! But our casual talk is often very long.
2 notes · View notes
lauramalchowblog · 5 years ago
Text
9 Things Every Healthcare Startup Should Know About Business Development
Tumblr media
By ANDY MYCHKOVSKY
In this post, I write down all my strategy and business development knowledge in healthcare and organize it into the top 9 commandments for selling as a healthcare startup. I think everyone from the founder to the most junior person on the team should know these pillars because all startups must grow. I should also note these tenets are most applicable for selling into large enterprise healthcare incumbents (e.g., payers, providers, medical device, drug companies). Although I appreciate the direct-to-consumer game, these slices are less applicable for that domain. If your startup needs help developing or implementing your business development strategy, shoot me an email and we can discuss a potential partnership. Enjoy!
1. Understand Everything About the Product and Market
You must also understand the competitive landscape, who else is in the marketplace and how they appear differentiated? What has been their preferred go-to-market approach and is your startup capable of replicating a similar strategy with your current team members? Also, do you understand the federal and state policy that most affects your vertical, whether that be pharmaceutical or medical device (e.g., FDA), health plans (e.g., state insurance commissioners), or providers (e.g., CMS)? For example, if your company is focused on “value-based care” and shifting payment structures of physicians to downside risk, do you intimately understand The Medicare Access and CHIP Reauthorization Act of 2015 (MACRA) and the requisite CMS Demonstration Models from the Innovation Center (e.g., MSSP, BPCI-A, etc.)? Make sure you do or at least hire someone to explain what is important now and in the future.
2. Create A Compelling Pitch
In my opinion, creating a startup’s compelling pitch to an incumbent healthcare entity requires satisfying three factors: strategic, financial, and clinical. Surely, your healthcare startup’s machine learning, AI-backed, blockchain-enabled data analytics platform may someday deliver better clinical results in some way, however, if it has no monetizable value for the incumbent healthcare entity, your idea is not going to sell. Also, you cannot just focus on financial benefit, without weaving in some tangential use cases to further the clinical mission and receive buy-in from the medical community. These are complicated entities with a variety of stakeholders and macro environmental challenges that must be somehow improved by your product.
For example, a hospital is not equipped to move 100% of their payment into a full downside risk value-based care contract just because you have a care management platform and iPhone app. These entities employ tens of thousands of workers and operate on very slim profit margins and continual reinvestment into building new facilities. They also employ a ton of nurses performing care coordination, discharge planning, and bedside care, who have their own opinions on what works best for their local community. At the end of the day, these providers receive payment from private and governmental health plans, at varying negotiated rates. If your healthcare startups business model is predicated on keeping commercially-insured patients out of the hospital and instead, treated at home, you are literally cannibalizing the hospital’s highest margin revenue. Therefore, how do you suppose to improve their financials and support their recently opened new hospital wing by keeping patients out of the hospital? You better have a very compelling reimbursement argument and concept that satisfies the CFO’s concerns.
3. Organize Stakeholder Outreach
There are a million different ways to engage with prospects nowadays. If you use email campaigns, be sure to obtain verifiably accurate contact information. You can scrape information from online sources or publicly available lists. You can ask conferences to provide attendee lists if you sponsor a table or event. You can work with trade associations to obtain contact information on members who are most relevant to your product. Whatever you do, make sure you’re sending simple, yet compelling emails through an automated mailing system to track engagement and follow-up. Try different subject lines or sender names. Don’t include attachments or external links unless you’re willing to risk being diverted into the spam folders.
Regardless, don’t just rely on email blasts. That’s lazy thinking. You need to think multi-level marketing to crack through that executive ceiling. Are you attending the right conferences with a set list of individuals to target? Maybe you need to pay someone who has the right connections and is willing to make introductions in-person? Are you providing free content in the form of webinars or podcasts that is co-produced and therefore advertised by independent organizations that have already garnered the trust of a particular audience? Are you willing to sweet talk office managers at a local medical practice to get 15 minutes of the founding physician’s time? You need to find creative ways to engage your target audience, without ridiculous tactics like sending gingerbread houses during Christmas season to multi-billion dollar health system executives or solely relying on targeted Instagram ads. Remember, healthcare is hyper-local. If you need a meeting with the head of a single cardiology practice in Atlanta, GA, go find the head of the former board chair of the American College of Cardiology’s local chapter.
Over the past few years, a ton of digital health startups have focused on the self-insured employer market due to contracting flexibility. If you focus on self-insured employers, think about the pros and cons of working with channel partners. There are a couple giants that own the entire employee benefit design and health insurance broker game, including Willis Towers Watson, Aon, or Mercer. Typically, brokers receive a healthy 3-6% commission fee off the total premium covered for all employees. If you want immediate distribution of your product or service to millions of employees across the country, you might have to pay one of these brokers an extra fee to offer your goods. In addition, the brokers will be looking for your startup to benefit their clients, employers, to save medical spending and improve employee engagement.
4. Identify Early Themes During Initial Pitch
We all have great ideas. They sound good on paper, and the team is bought in. You even received executive approval from the founders to initiate your sales process. The only problem is that during the first few meetings, which were 30-minute introductory calls with non-decision makers, the pitch hasn’t resonated. It feels like you’re selling an Apple Watch when the buyer only wants to talk about sun dials. I thought healthcare was ready for innovation?
The reality is that your product, back to lesson #2, is not satisfying their strategic, financial, and clinical needs. Or you’ve done a poor job clearly articulating the vision and how your small startup will be able to meaningfully improve a problem the healthcare incumbent encounters. Perhaps you’re pitching a $5,000 per month SAAS solution that could yield 3 times the ROI in savings to an organization? The problem is, the same company just spent $500 million on an Epic electronic medical record (EMR) installation and is concerned about losing $10 million this quarter because of contract disputes with a large payer. Sometimes your product just isn’t big enough to garner an executive audience. In that case, think about positioning your product with flexible pricing or partnership terms in a way that a middle-manager won’t need executive approval to sign.
Maybe you’re talking to a health plan about reducing dermatology spend because you have the latest and greatest technology, but the entire healthcare market is focused on providing cheaper transportation benefits to patients to reduce missed appointments (i.e., Uber, Lyft). That’s all anyone ever talks about at conferences you attend. If you’re the 10th most important thing that a Chief Medical Officer (CMO) is thinking about, either create a more compelling reason why they should change their list or find a different size stakeholder who is more immediately affected by your service.
5. Maintain Interest Level and Dig Deeper
Now that you have initial interest, continue to build momentum. It is incredibly easy to walk out of an initial meeting, with both parties having enjoyed the 30- or 60-minute conversation, but never move forward. Life is complicated and people get busy. You might think your healthcare startup is the next best thing since garlic knots, but that healthcare executive has 5 more pitches this week from other companies in your space. They also have budgets, HR issues, and bosses to deal with themselves. After a while, your follow-up emails and phone calls seem akin to your ex-boyfriend’s pitiful attempts. Reassess your strategy before further annoyance.
Can you introduce them to compelling referenceable clients that will speak kindly about your startup? Not in a way that seems cheesy, but able to articulate the good, the bad, and how your startup remedied the bad so it never happens again. If possible, these should be peers. A vice president at a fortune 50 drug manufacturer likely doesn’t want to talk to a junior-person at a small biotech startup. Know your audience and adapt. If the references don’t exist, are there other things you can do to “wow” the client? Do you have a demo? Can you analyze some of their data? Is someone on your team able to answer one of their questions via a mini-consulting project? Do you have an invite to a closed-door event that features some interesting topic area? At the very least, you have a Board of Directors, management team, and investors. Hopefully one of those can help build rapport at an executive level, in addition to your individual efforts.
6. Develop Detailed Partnership Terms
I am a strong proponent of protecting the company you work for during partnership discussions, but sometimes startups need to acknowledge the importance of closing a new partnership deal. You need to be flexible. You are a small healthcare startup negotiating against a large, bureaucratic organization with tons of legal representation. Don’t waste time debating term sheet after term sheet. It doesn’t matter if its non-binding. Discuss and agree on the high-level key structure, and then propose a draft of your definitive agreement or master services agreement with all the bells and whistles. This is going to take a while, so buckle in and try to set expectations on closing. By this time, if you’re good, you will have likely already signed an NDA and perhaps, a letter of intent (LOI) discussing the spirit of your partnership discussions with appropriate confidentiality and expectations around timing of a go or no-go decision.
Now you need to actually put pen to paper and define what your startup will provide to the healthcare company. They will want more details on data privacy than you have to provide. They will want to know detailed clinical workflows describing your process. They will want a detailed step-by-step breakdown of all the resources and time required by their staff and management, in order to be successful. Worst case scenario is that your product requires more time to be successful by the client’s team, than the benefit your product provides. You need to just survive and answer all their questions to the best of your ability. If you hit a brick wall, at some point just tell them honestly that you’re working on addressing a few of their concerns and they will be finalized before go-live.
7. Be Flexible Yet Confident During Negotiation
How important is this deal to you and the startup? If this potential client is your Moby Dick, then be prepared to make some adjustments to your base terms. Nothing in life is 100% favorable, nor should it be since a partnership includes two parties. One good referencable client can help make a splash in media, attract new investors, improve morale of the team, and light a fire under other potential clients who are dragging their feet. However, at some point the deal doesn’t make any sense for your startup. It pays too little, with too many requirements, and too low a probability that the partnership will expand by the time you need it. If this is the case, I hope your creative top-of-funnel strategy has successfully opened the doors of a few different clients at the same time. You should be moving down the funnel with as many prospects in parallel as possible. Don’t get sucked into focusing all your time on one pursuit, because Murphy’s Law exists.
Is the contract value of a new deal significant after go-live and highly sticky in terms of client retention? Meaning, once you sign this new partnership, do you have this healthcare incumbent locked in for a few years that drives significant revenue for your startup? If yes, then don’t die on the hill over fighting about implementation fees. Sometimes the cost of doing business in the medium or long-term requires short-term pain. If you need more funding to build functionality, think about managing your burn rate to account for this potential scenario. Does it feel like the liability section of the contract grew twice as large and shifted most of the responsibility to your tiny startup? That’s probably going to happen and you can’t do much about it. When you’re first starting out, the healthcare incumbents have the most leverage. It’s not a perfect scenario, but make sure the key fees and services are reasonable, and unfortunately accept the rest as the price of doing business.
8. Set Clear Expectations for Implementation and Go-Live
I love closing deals. But don’t set your implementation team up for failure. If they physically or technologically cannot meet the standards you’ve promised to the healthcare incumbent executive, and you’ve placed accompanying service level agreements (SLAs) with financial penalties owed by your startup, this is a bad deal. If you sign a deal that so drastically exaggerates the profitability of the partnership by limiting the minimum operational expenses required to perform, this is a bad deal. Don’t leave the account lead and operational teams out to dry, because there are real reputational risks associated with a bad deal in the healthcare industry. Executives all grew up together, hang out with one another, and move from organization to organization. If your startup is known as the one who can’t deliver on its promises, that will likely come back to bite the business development efforts and certainly impact churn rate and likelihood of harsh renegotiations with existing partners.
Overpromising and under-delivering in healthcare has real consequences. It won’t result in just someone’s food arriving late or e-commerce store unexpectedly shutting down, healthcare startups could meaningful harm a patient’s life. This of course represents the constant tension between sales and operations. I do believe that business development teams should do a better job at explaining the intricacies of the deal-making process to ensure the rest of the company understands the need for some flexibility. If everyone else feels like the sales leaders are the dumbest people at the company, you should remind them that everyone gets fired if the company doesn’t grow. Just don’t be an awful human being while discussing this matter.
9. Celebrate
No matter the outcome, a good business development team should celebrate the large and small wins. I’m not talking about trips to Hawaii, but you need to infuse some degree of optimism in your startup. Lack of growth causes a lot of problems. Sometimes you will get lucky, and the incumbent healthcare entity will take a chance on your product or team, despite lack of case studies or sophistication. However, that is increasingly becoming rarer each day. Therefore, any new partnership that will further the mission and grow the startup should be rewarded both financially and publicly across the company. With that being said, don’t act like your business development skills and compelling personality single-handedly closed the deal. Your team members across a variety of other departments all played a part, directly and indirectly. The engineering team built the product that was ultimately sold. The marketing team helped elevate the brand in the marketplace. The operational teams satisfied existing partners expectations so that they would provide positive reference calls.
In addition, the business development lead oftentimes has significant support in putting together materials, prepping for meetings, setting up logistics, managing subject matter experts, and reviewing legal contracts. I can bet that certain business development leaders think they’re Michael Jordan. Except, they forget that the Chicago Bulls didn’t beat the Detroit Pistons without Scottie Pippen and the rest of the team. Basically, if you’re the head of business development, show your team lots of love for the hard work and hours they’ve put in for far less financial reward.
Andy Mychkovsky��is the creator of Healthcare Pizza. Follow him on Twitter (@AMychkovsky) and LinkedIn for future thoughts and updates. This post originally appeared on Healthcare Pizza here.
The post 9 Things Every Healthcare Startup Should Know About Business Development appeared first on The Health Care Blog.
9 Things Every Healthcare Startup Should Know About Business Development published first on https://venabeahan.tumblr.com
0 notes
kristinsimmons · 5 years ago
Text
9 Things Every Healthcare Startup Should Know About Business Development
Tumblr media
By ANDY MYCHKOVSKY
In this post, I write down all my strategy and business development knowledge in healthcare and organize it into the top 9 commandments for selling as a healthcare startup. I think everyone from the founder to the most junior person on the team should know these pillars because all startups must grow. I should also note these tenets are most applicable for selling into large enterprise healthcare incumbents (e.g., payers, providers, medical device, drug companies). Although I appreciate the direct-to-consumer game, these slices are less applicable for that domain. If your startup needs help developing or implementing your business development strategy, shoot me an email and we can discuss a potential partnership. Enjoy!
1. Understand Everything About the Product and Market
You must also understand the competitive landscape, who else is in the marketplace and how they appear differentiated? What has been their preferred go-to-market approach and is your startup capable of replicating a similar strategy with your current team members? Also, do you understand the federal and state policy that most affects your vertical, whether that be pharmaceutical or medical device (e.g., FDA), health plans (e.g., state insurance commissioners), or providers (e.g., CMS)? For example, if your company is focused on “value-based care” and shifting payment structures of physicians to downside risk, do you intimately understand The Medicare Access and CHIP Reauthorization Act of 2015 (MACRA) and the requisite CMS Demonstration Models from the Innovation Center (e.g., MSSP, BPCI-A, etc.)? Make sure you do or at least hire someone to explain what is important now and in the future.
2. Create A Compelling Pitch
In my opinion, creating a startup’s compelling pitch to an incumbent healthcare entity requires satisfying three factors: strategic, financial, and clinical. Surely, your healthcare startup’s machine learning, AI-backed, blockchain-enabled data analytics platform may someday deliver better clinical results in some way, however, if it has no monetizable value for the incumbent healthcare entity, your idea is not going to sell. Also, you cannot just focus on financial benefit, without weaving in some tangential use cases to further the clinical mission and receive buy-in from the medical community. These are complicated entities with a variety of stakeholders and macro environmental challenges that must be somehow improved by your product.
For example, a hospital is not equipped to move 100% of their payment into a full downside risk value-based care contract just because you have a care management platform and iPhone app. These entities employ tens of thousands of workers and operate on very slim profit margins and continual reinvestment into building new facilities. They also employ a ton of nurses performing care coordination, discharge planning, and bedside care, who have their own opinions on what works best for their local community. At the end of the day, these providers receive payment from private and governmental health plans, at varying negotiated rates. If your healthcare startups business model is predicated on keeping commercially-insured patients out of the hospital and instead, treated at home, you are literally cannibalizing the hospital’s highest margin revenue. Therefore, how do you suppose to improve their financials and support their recently opened new hospital wing by keeping patients out of the hospital? You better have a very compelling reimbursement argument and concept that satisfies the CFO’s concerns.
3. Organize Stakeholder Outreach
There are a million different ways to engage with prospects nowadays. If you use email campaigns, be sure to obtain verifiably accurate contact information. You can scrape information from online sources or publicly available lists. You can ask conferences to provide attendee lists if you sponsor a table or event. You can work with trade associations to obtain contact information on members who are most relevant to your product. Whatever you do, make sure you’re sending simple, yet compelling emails through an automated mailing system to track engagement and follow-up. Try different subject lines or sender names. Don’t include attachments or external links unless you’re willing to risk being diverted into the spam folders.
Regardless, don’t just rely on email blasts. That’s lazy thinking. You need to think multi-level marketing to crack through that executive ceiling. Are you attending the right conferences with a set list of individuals to target? Maybe you need to pay someone who has the right connections and is willing to make introductions in-person? Are you providing free content in the form of webinars or podcasts that is co-produced and therefore advertised by independent organizations that have already garnered the trust of a particular audience? Are you willing to sweet talk office managers at a local medical practice to get 15 minutes of the founding physician’s time? You need to find creative ways to engage your target audience, without ridiculous tactics like sending gingerbread houses during Christmas season to multi-billion dollar health system executives or solely relying on targeted Instagram ads. Remember, healthcare is hyper-local. If you need a meeting with the head of a single cardiology practice in Atlanta, GA, go find the head of the former board chair of the American College of Cardiology’s local chapter.
Over the past few years, a ton of digital health startups have focused on the self-insured employer market due to contracting flexibility. If you focus on self-insured employers, think about the pros and cons of working with channel partners. There are a couple giants that own the entire employee benefit design and health insurance broker game, including Willis Towers Watson, Aon, or Mercer. Typically, brokers receive a healthy 3-6% commission fee off the total premium covered for all employees. If you want immediate distribution of your product or service to millions of employees across the country, you might have to pay one of these brokers an extra fee to offer your goods. In addition, the brokers will be looking for your startup to benefit their clients, employers, to save medical spending and improve employee engagement.
4. Identify Early Themes During Initial Pitch
We all have great ideas. They sound good on paper, and the team is bought in. You even received executive approval from the founders to initiate your sales process. The only problem is that during the first few meetings, which were 30-minute introductory calls with non-decision makers, the pitch hasn’t resonated. It feels like you’re selling an Apple Watch when the buyer only wants to talk about sun dials. I thought healthcare was ready for innovation?
The reality is that your product, back to lesson #2, is not satisfying their strategic, financial, and clinical needs. Or you’ve done a poor job clearly articulating the vision and how your small startup will be able to meaningfully improve a problem the healthcare incumbent encounters. Perhaps you’re pitching a $5,000 per month SAAS solution that could yield 3 times the ROI in savings to an organization? The problem is, the same company just spent $500 million on an Epic electronic medical record (EMR) installation and is concerned about losing $10 million this quarter because of contract disputes with a large payer. Sometimes your product just isn’t big enough to garner an executive audience. In that case, think about positioning your product with flexible pricing or partnership terms in a way that a middle-manager won’t need executive approval to sign.
Maybe you’re talking to a health plan about reducing dermatology spend because you have the latest and greatest technology, but the entire healthcare market is focused on providing cheaper transportation benefits to patients to reduce missed appointments (i.e., Uber, Lyft). That’s all anyone ever talks about at conferences you attend. If you’re the 10th most important thing that a Chief Medical Officer (CMO) is thinking about, either create a more compelling reason why they should change their list or find a different size stakeholder who is more immediately affected by your service.
5. Maintain Interest Level and Dig Deeper
Now that you have initial interest, continue to build momentum. It is incredibly easy to walk out of an initial meeting, with both parties having enjoyed the 30- or 60-minute conversation, but never move forward. Life is complicated and people get busy. You might think your healthcare startup is the next best thing since garlic knots, but that healthcare executive has 5 more pitches this week from other companies in your space. They also have budgets, HR issues, and bosses to deal with themselves. After a while, your follow-up emails and phone calls seem akin to your ex-boyfriend’s pitiful attempts. Reassess your strategy before further annoyance.
Can you introduce them to compelling referenceable clients that will speak kindly about your startup? Not in a way that seems cheesy, but able to articulate the good, the bad, and how your startup remedied the bad so it never happens again. If possible, these should be peers. A vice president at a fortune 50 drug manufacturer likely doesn’t want to talk to a junior-person at a small biotech startup. Know your audience and adapt. If the references don’t exist, are there other things you can do to “wow” the client? Do you have a demo? Can you analyze some of their data? Is someone on your team able to answer one of their questions via a mini-consulting project? Do you have an invite to a closed-door event that features some interesting topic area? At the very least, you have a Board of Directors, management team, and investors. Hopefully one of those can help build rapport at an executive level, in addition to your individual efforts.
6. Develop Detailed Partnership Terms
I am a strong proponent of protecting the company you work for during partnership discussions, but sometimes startups need to acknowledge the importance of closing a new partnership deal. You need to be flexible. You are a small healthcare startup negotiating against a large, bureaucratic organization with tons of legal representation. Don’t waste time debating term sheet after term sheet. It doesn’t matter if its non-binding. Discuss and agree on the high-level key structure, and then propose a draft of your definitive agreement or master services agreement with all the bells and whistles. This is going to take a while, so buckle in and try to set expectations on closing. By this time, if you’re good, you will have likely already signed an NDA and perhaps, a letter of intent (LOI) discussing the spirit of your partnership discussions with appropriate confidentiality and expectations around timing of a go or no-go decision.
Now you need to actually put pen to paper and define what your startup will provide to the healthcare company. They will want more details on data privacy than you have to provide. They will want to know detailed clinical workflows describing your process. They will want a detailed step-by-step breakdown of all the resources and time required by their staff and management, in order to be successful. Worst case scenario is that your product requires more time to be successful by the client’s team, than the benefit your product provides. You need to just survive and answer all their questions to the best of your ability. If you hit a brick wall, at some point just tell them honestly that you’re working on addressing a few of their concerns and they will be finalized before go-live.
7. Be Flexible Yet Confident During Negotiation
How important is this deal to you and the startup? If this potential client is your Moby Dick, then be prepared to make some adjustments to your base terms. Nothing in life is 100% favorable, nor should it be since a partnership includes two parties. One good referencable client can help make a splash in media, attract new investors, improve morale of the team, and light a fire under other potential clients who are dragging their feet. However, at some point the deal doesn’t make any sense for your startup. It pays too little, with too many requirements, and too low a probability that the partnership will expand by the time you need it. If this is the case, I hope your creative top-of-funnel strategy has successfully opened the doors of a few different clients at the same time. You should be moving down the funnel with as many prospects in parallel as possible. Don’t get sucked into focusing all your time on one pursuit, because Murphy’s Law exists.
Is the contract value of a new deal significant after go-live and highly sticky in terms of client retention? Meaning, once you sign this new partnership, do you have this healthcare incumbent locked in for a few years that drives significant revenue for your startup? If yes, then don’t die on the hill over fighting about implementation fees. Sometimes the cost of doing business in the medium or long-term requires short-term pain. If you need more funding to build functionality, think about managing your burn rate to account for this potential scenario. Does it feel like the liability section of the contract grew twice as large and shifted most of the responsibility to your tiny startup? That’s probably going to happen and you can’t do much about it. When you’re first starting out, the healthcare incumbents have the most leverage. It’s not a perfect scenario, but make sure the key fees and services are reasonable, and unfortunately accept the rest as the price of doing business.
8. Set Clear Expectations for Implementation and Go-Live
I love closing deals. But don’t set your implementation team up for failure. If they physically or technologically cannot meet the standards you’ve promised to the healthcare incumbent executive, and you’ve placed accompanying service level agreements (SLAs) with financial penalties owed by your startup, this is a bad deal. If you sign a deal that so drastically exaggerates the profitability of the partnership by limiting the minimum operational expenses required to perform, this is a bad deal. Don’t leave the account lead and operational teams out to dry, because there are real reputational risks associated with a bad deal in the healthcare industry. Executives all grew up together, hang out with one another, and move from organization to organization. If your startup is known as the one who can’t deliver on its promises, that will likely come back to bite the business development efforts and certainly impact churn rate and likelihood of harsh renegotiations with existing partners.
Overpromising and under-delivering in healthcare has real consequences. It won’t result in just someone’s food arriving late or e-commerce store unexpectedly shutting down, healthcare startups could meaningful harm a patient’s life. This of course represents the constant tension between sales and operations. I do believe that business development teams should do a better job at explaining the intricacies of the deal-making process to ensure the rest of the company understands the need for some flexibility. If everyone else feels like the sales leaders are the dumbest people at the company, you should remind them that everyone gets fired if the company doesn’t grow. Just don’t be an awful human being while discussing this matter.
9. Celebrate
No matter the outcome, a good business development team should celebrate the large and small wins. I’m not talking about trips to Hawaii, but you need to infuse some degree of optimism in your startup. Lack of growth causes a lot of problems. Sometimes you will get lucky, and the incumbent healthcare entity will take a chance on your product or team, despite lack of case studies or sophistication. However, that is increasingly becoming rarer each day. Therefore, any new partnership that will further the mission and grow the startup should be rewarded both financially and publicly across the company. With that being said, don’t act like your business development skills and compelling personality single-handedly closed the deal. Your team members across a variety of other departments all played a part, directly and indirectly. The engineering team built the product that was ultimately sold. The marketing team helped elevate the brand in the marketplace. The operational teams satisfied existing partners expectations so that they would provide positive reference calls.
In addition, the business development lead oftentimes has significant support in putting together materials, prepping for meetings, setting up logistics, managing subject matter experts, and reviewing legal contracts. I can bet that certain business development leaders think they’re Michael Jordan. Except, they forget that the Chicago Bulls didn’t beat the Detroit Pistons without Scottie Pippen and the rest of the team. Basically, if you’re the head of business development, show your team lots of love for the hard work and hours they’ve put in for far less financial reward.
Andy Mychkovsky is the creator of Healthcare Pizza. Follow him on Twitter (@AMychkovsky) and LinkedIn for future thoughts and updates. This post originally appeared on Healthcare Pizza here.
The post 9 Things Every Healthcare Startup Should Know About Business Development appeared first on The Health Care Blog.
9 Things Every Healthcare Startup Should Know About Business Development published first on https://wittooth.tumblr.com/
0 notes
soysaucevictim · 5 years ago
Text
The interview came and went. Won’t know how I did until a later date.
-
July 8
I got up a bit after 10AM, today.
Decided to spend some time messing with my Twitter and fandom blogs for awhile, before getting in all my exercise for the day.
First, today’s DD. 2 minutes side-to-side chops with EC. A bit antsy today, but this helped somewhat. I counted 138 reps by the end of the 2', very fun and doable! :D
Second, Day 3 of the T10C. 10′ non-stop punching. I swapped stances every minute (except one time where it was 2′ for both sides.) I also counted 1101 punches thrown, although I may’ve made a counting error at some point... I think this sounds right. (Noting a bit over 100/min.)
Last, Day 3 of CCC. 40 torso twists. This was basically a very similar action to the DD! Pffft. But it was still breezy work! :,D
(Ooof, perhaps it’s all the squats or yesterday’s DD... but my quads have been quite sore today!)
I then took a shower and tried to assemble some notes for that job interview... despite constantly distracting myself out of anxiety. orz
-
July 9
I got up a bit before 8AM.
One of the first things I did while at the facility was ask other people about their local dentist experiences. I think I may have a solid pick to revise what happened to my molar... so I’m happy I have a bit of direction there.
Then, went to Seeking Safety Group, which went well enough.
I spent the rest of my time there doing a second pass over that stream footage and doing the DD. 30 leg raises with EC. Did this one while I was out at the facility, again. Manageable but certainly a bit tough. :P
One of the first things I had to do once back home was make the family dinner, even though on the inside I was tired and didn’t want to. It was stuffed green bell peppers and tasty, though. Bro also doing the dishes from yesterday’s dinner was nice, too.
Spent a few hours playing games and watching YouTube before finishing up my exercise.
First, Day 4 of the T10C. 7 sets of 40″ squats + 20″ shoulder taps, with a finisher of 3′ of squats. I found this very manageable... had to get going later than intended because I was still digesting my food. :P
Last, Day 4 of the CCC. 70 side leg raises, done in one go. This time I opted to do 50%/50%, which was more challenging than alternating sides. Might try to do the rest of this commitment like that or continue mixing things up. We’ll see. :Ic
-
July 10
I got up around 9:30AM. Spent much of my day leading up to the interview prepping some notes and getting ready... and getting aggravated with my browser hanging. :/
Got to my interview. Was nervy for awhile out of my own concerns abt my transportation arrangements (Though now I have a few potential plans to get to the facility) & feeling like I didn't prepare myself enough. But I don't think I did COMPLETELY abysmally.
When I got home and got some food in me, I spent some time drafting my thank you notes/letters. Despite still being nervous and attempting to process what occurred. I hope I can get them finished and delivered before tomorrow’s end, once I’ve smoothed some details out.
Remains to be seen whether I got the position or not (going to take a couple weeks or so).
I then worked on some HW my psychiatrist handed me to do, which on some level I didn’t really want to do, because my brain was getting kinda hazy at that point. But did something to that end. (Kinda frustrated with myself for thoughtlessly scheduling my next appointment tomorrow at an awkward time for the county transport... nnng.)
Getting in my exercise helped a bit though.
First, today’s DD. 1′ reverse plank with EC. Took some willpower to get through, but steady breathing is key. Ooof. :P
Second, Day 5 of the T10C. 10 sets of 2x20″ high knees + 20″ climbers, with 1′ march steps as a warmup. Because i didn’t feel like negotiating a HIIT timer situation - I went for 30 climbers for each set. As I went, it was a couple seconds short - but close enough in my book. It was NOT a cakewalk. Had to pace a bit to get the HR down.
Last, Day 5 of the CCC. 40 torso twists. I do appreciate this was the easier of the two days after T10C’s stuff.
-
July 11
Been up since a bit before 7AM, needed to be up earlier for an appointment.
The psych appointment went well enough. Did ask the clinic about the para-transit application. I won’t submit it unless I get this job - because I don’t have the income to support getting [standard OR para] bus tickets, etc..
Then I did some socializing, played some Risk with others, got to WRAP Group, and did the DD. Also asked about something in regard to the interview - when I get the info I need, I’ll finish up and send those thank you letters.
The DD was 3′ balance stand with EC. Did this one while I was out at the facility today. Was not up for doing the EEC though, takes a lot of emotional energy I do not have, today. But I did EC twice, 3'/3' in one go. That was fun and meditative. :D
After all that, got home and mostly tried to get situated. But I did do the rest of my exercise.
First, Day 6 of the T10C. 5 sets of 1′ sit-ups + 1′ flutter kicks. Had to do the sit-ups a bit more slowly and took several pauses for recovery during the flutter kicks. I also did tht latter mostly wwith my head down... too tired to deal with neck strain.
Last, Day 6 of the CCC. 80 side leg raises, in one go. I think I’ll do all of this challenge 50%/50%. Especially given that the other one’s instance of them are side-to-sides.
I’m... was not happy about having to make dinner today. Or doing the dishes. But I had to, even though I running on fumes. orz
-
July 12
I got up at around 10 AM, today.
Spent a few hours on the usual, before getting in my DD, today. 200 squat hold punches with EC. Oof, that took some willpower to get through. But I'm happy I managed it, trying to throw faster punches helps. :D
I also wrote my thank you letters, did dishes, and made the family dinner.
Bleh... let’s just say I found myself in a spiral about the letter, but a friend helped me deal with the anxiety spike. I’m grateful for the reality check.
-
July 13
I got up after noon, today.
I spent much of my time on the usual. But I did get in some exercise.
First, today’s DD. 40 side-to-side lunges with EC. This was pretty challenging, especially in the last 10 or so reps. But this was still pretty manageable. :P
Second, Day 7 of the T10C. 10′ non-stop side-to-side leg raises. Ooof. That was tough. I counted 524 reps in the duration, lifting my left leg got to be harder than the right.
Last, Day 7 of the CCC. 40 torso twists in one go.
One of the last things I did today was prepping for tomorrow’s dinner. Intend to make some vegetarian chili.
-
July 14
I got up before 10AM, today.
Similar thing as yesterday. Did a bit more meal prep and some exercise, though.
First, today’s DD. 60 knee-to-elbow twists with EC. This was pretty fun, first few was a bit awkward because I wasn't super focused. But quickly got in the rhythm and enjoyed myself. :D
I guess making that vegetarian chili today and opting to do some mass repairs on the gloves I use... took too much of my time/energy to get around to doing my main exercise stuff. But hey, knocked out a fairly big To Do, there. :P
-
July 15
I got up around 10AM, today.
I don’t have much to show for myself other than exercise. And eating FAR too many damn cookies today. orz
First, today’s DD. 2′ O-pose with EC. A personal favorite, because of the ab work and the balance focus. But still not a cakewalk, didn't take a whole lot of time before I got to trembling! Steady breathing is key. :D
Second, Day 8 of the T10C. 7 sets of 30″ jumping Jacks + 30″ plank jacks; with a finisher of 3′ jumping jacks. Had to go at a deliberately slow pace with the jumping jacks to get through this, but I managed. My calves really felt it. :,D
Last, Day 8 of the CCC. 90 side leg raises. 45/45 in one go. That got mildly tough shortly after all the jacks.
With that, I should get to bed in a bit, now.
Okay... I really need to hit publish... this post is getting too damn long.
0 notes
tinfoil-catholic · 6 years ago
Text
No one said the saying didn't exist.
But it most certainly was coined by generations where getting a college education was extremely doable with minimum wage jobs. In a society where you didn't need a college education to support a family.
The problem is, those people use the "money can't buy happiness" as a reason why more money shouldn't be given in wage. Yet everything is more expensive.
I'm not in favor of making wages more. But it IS absolutely ridiculous to be working for 10/hr and I'm considered lucky because at least I'm making more than 7.25
But full time, 40 hours a week (usually more)? I'm making only barely more than 7.25 an hour after taxes. And I would have to have at least one roommate to survive on that. I wouldn't be able to afford a car to help me get to a better job. Which means it will take even longer to save up for a car and few months insurance. Which means it's more than a year before I can actually look for a better job.
That's me,right now, with no college debt, and that's only looking at ONE thing I would have to pay for. Doesn't include my share of the rent, which in my area for a two bed apartment would be 450/month at the cheapest (split two because of a roommate). It is about 50/month for my phone, because I need phone service so work can call me. For where I am currently living, it's 2.50 to get to work by bus. The closest apartment complex it would be closer to 3.50. So, 7/day [5 days week × 4 weeks × 7 is 140/month]. Those are just the most basic things, and doesn't include water and electric which usually isn't included in rent.
So we have 140+50+450 Just for the most basic things and cheapest possible options. That comes to 640/month.
I make, on average, about 1300/month after taxes.
Let's look at some basic economics of what your budget should look like:
Tumblr media
I'm sure you've seen this. However, I would like to make some amendments to it based on what I was taught.
Life should be down to 10%, the other 15 goes to savings.
Now, I don't have debt, so we can split that 10% goes to housing and the other 5% goes to savings.
What we are at for a personal budget of someone just out of highschool with some college:
Housing: 45%
Life: 10%
Transportation: 15%
Savings: 30% this is split evenly between life savings and something like a retirement savings.
What would that percentage come out to for my 1300 budget?
Housing: 585
Life: 130
Transportation: 195
Savings: 390
So, for renting, 585-450=135. For electric (usually covers heating, not cooling), water, repairs, insurance, and taxes. Not really doable, since that 135 will probably be sucked up by utilities or insurance first. Which means any time I have to do something or fix something I have to tap into savings.
Life, eating and such, is actually very doable on 100 a month, but leaves no room for error and you don't really get a break. Ever.
Transportation. 195-140=55 the only reason I would be able to survive paying that little is if I took the absolute cheapest option other than walking or riding a bike. That means I could in no way afford a car, because with a loan for that and insurance, eould be much, much more than 195 a month. I believe insurance for a car is around 100/month for someone who has been driving for awhile? It will go up by at least 50 with your first car. Plus, again, loans. You can't make any dent paying 45 a month.
Savings. Most people say 30% is too much. However, this adds up quick, and if you lose your job, you don't just have two months of rent in savings. This allows you, should you get hurt or sick and subsequently lose your job, to survive. You no longer have that income, but you also don't have to spend anything for transportation. So your spending budget goes down from 910 to 715. 390×2= 780. Which means two months of work would pay for roughly one month of no work.
Of course, you still can't afford to live on that budgeting without almost completely eliminating the savings aspect. And that's assuming you dont have any debt. And you don't have a car. And you have a roommate that can actually help pay rent. And you get the cheapest possible apartment.
That also assumes that you actually are able to work 40/week.
So yes, the phrase was primarily coined and made extremely popular by the previous generation, whom 1300/month would have been more than plenty to live off of, while putting much more in savings.
You don't learn these things until you *actually* join the adult world.
Oh, and don't forget that "life" section also includes gifts to buy for people. And this budget doesn't even get into tithing or charity.
“Money can’t buy happiness” was coined by a generation used to cheap college tuition, livable wages, and affordable housing.
3K notes · View notes
mrhotmaster · 5 years ago
Quote
SpaceX Crew Dragon Demo-2: Pit Stop On The Musk's Mars Search For A First Commercial Space Taxi Shortly Before NASA, Musk Founded SpaceX To Increase The Concept Of Commercial Space. Everything began with the fantasy about growing a rose on Mars. The dream, the dream of Elon Musk has been a replacement of the old space industry and an explosion of new private rockets. Presently, those rockets will dispatch NASA space explorers from Florida to the International Space Station - the first run through a revenue-driven organization will convey space travelers into the universe. ALSO SEE Parallel Alternate Universe Founded? Check Full Story Here It's an achievement in the push to popularize space. Yet, for Musk's organization, SpaceX, it's additionally the most recent achievement in a wild ride that started with epic disappointments and the danger of insolvency. On the off chance that the organization's offbeat organizer and CEO has his direction, this is only the start: He's intending to fabricate a city on the red planet, and live there. ALSO SEE SpaceX's First Manned Space Flight Is Set To Fly On May 27: Learn Everything Here "What I truly need to accomplish here is to make Mars appear to be conceivable, cause it to appear just as it's something that we can do in the course of our lives and that you can go," Musk told a cheering congress of room experts in Mexico in 2016. Musk 'is a progressive revolution' in the space world, according to Jonathan McDowell of Harvard University Astrophysician, whose Jonathan 's Space Report has long been tracking dispatches and disappointments. ALSO SEE Alien Planet: Scientist Spots An Planet As It Is Formed For The First Time Michael López-Alegria, former traveler and former boss of the Commercial Spaceflight Federation, says, "I believe history will look back like the characters of Vinci." Musk has gotten most popular for Tesla, his venturesome exertion to manufacture an electric vehicle organization. Yet, SpaceX originates before it. At 30, Musk was at that point uncontrollably rich from selling his Internet budgetary organization PayPal and its antecedent Zip2. He orchestrated a progression of snacks in Silicon Valley in 2001 with G Scott Hubbard, who had been NASA's Mars autocrat and was then running the office's Ames Research Center. Musk needed to by one way or another grows a rose on the red planet, demonstrate it to the world, and motivate younger students, reviews Hubbard. ALSO SEE Astronauts Of NASA Come To Florida Weeks Prior To SpaceX Flight "His genuine spotlight was having life on Mars," says Hubbard, a Stanford University teacher who currently seats SpaceX's group security warning board. The huge issue, Hubbard let him know, was building a rocket reasonable enough to go to Mars. Not exactly a year later Space Exploration Technologies, called SpaceX, was conceived. There are many space organizations and like every one of them, SpaceX is intended for benefit. In any case, what's distinctive is that behind that benefit rationale is an objective, which is essential to "Get Elon to Mars," McDowell says. "By having that more drawn out term vision, that is pushed them to be increasingly yearning and truly changed things." ALSO SEE US Effectively Launches Autonomous Portable Ramble For Outer Space Tests Everyone at SpaceX, from senior vice presidents to a barista who sells the internal cappuccinos and FroYo, "must announce to you that they are attempting to make us multi-planetary," says retired space explorer Garrett Reisman, a Space Operations Manager from SpaceX now at Southern California University. Musk established the organization not long before NASA increase the thought of business space. Customarily, private firms assembled things or offered types of assistance for NASA, which remained the chief and possessed the gear. The possibility of greater jobs for privately owned businesses has been around for over 50 years, yet the market and innovation weren't yet right. NASA's two dangerous space transport mishaps - Challenger in 1986 and Columbia in 2003 - were critical, says W Henry Lambright, a teacher of open strategy at Syracuse University. At the point when Columbia broke down, NASA needed to mull over a post-space transport world. That is the place privately owned businesses came in, Lambright says. After Columbia, the organization concentrated on returning space explorers to the Moon, yet at the same time needed to get load and space travelers to the space station, says Sean O'Keefe, who was NASA's executive at that point. A 2005 pilot venture helped privately owned businesses create boats to carry a load to the station. ALSO SEE Atronomers Detects New Rare Super-Earth At The Centre Of Our Galaxy SpaceX got a portion of that underlying subsidizing. The organization's initial three dispatches fizzled. The organization could have simply bombed as well, yet NASA stayed by SpaceX and it began to pay off, Lambright says. "Without knowing how Nasa initially nourished it at the outset, you can't explain SpaceX," Lambright explained. "SpaceX is in a way a NASA-specific kid." Since 2010, NASA has burned through $6 billion (generally Rs. 45,586 crores) to enable privately owned businesses to get individuals into space, with SpaceX and Boeing the greatest beneficiaries, says Phil McAlister, NASA's business spaceflight executive. ALSO SEE China's New Spacecraft After 2 Days & 19 Hrs Return To Earth NASA intends to spend another $2.5 billion (generally Rs. 18,984 crores) to buy 48 space explorer seats to the space station in 12 distinct flights, he says. At somewhat more than $50 million (generally Rs. 379 crores) a ride, it's a lot less expensive than what NASA has paid Russia for trips to the station. Beginning without any preparation has given SpaceX a favorable position over more seasoned firms and NASA that are stuck utilizing inheritance innovation and framework, O'Keefe says. What's more, SpaceX attempts to manufacture everything itself, giving the firm more control, Reisman says. The organization sets aside cash by reusing rockets, and it has clients beside NASA. The California organization presently has 6,000 workers. Its laborers are youthful, profoundly stimulated, and put in 60-to 90-hour weeks, Hubbard and Reisman state. They additionally grasp hazards more than their NASA partners. ALSO SEE Black Hole Is Nearest To Earth, Distant Only 1000 Light Yrs Is Confirmed: Read More Choices that can take a year at NASA can be made in a couple of gatherings at SpaceX, says Reisman, who despite everything exhorts the firm. In 2010, a Falcon 9 rocket on the platform had a broken spout expansion on a motor. Regularly that would mean rolling the rocket off the cushion and a fix that would defer dispatch over a month. In any case, with NASA's consent, SpaceX engineer Florence Li was raised into the rocket spout with a crane and tackle. At that point, utilizing what were basically garden shears, she "cut the thing, we propelled the following day and it worked," Reisman says. ALSO SEE US Effectively Launches Autonomous Portable Ramble For Outer Space Tests Musk is SpaceX's open and offbeat face - smoking Maryjane on a well-known web recording, fighting with nearby authorities about opening his Tesla plant during the pandemic, naming his infant kid "X Æ A-12." But insiders state airplane business veteran Gwynne Shotwell, the president, and head working official, is likewise key to the organization's prosperity. "The SpaceX approach is a perfect combination of the creative imagination and innovation and motivation of Musk and the strong management and competent architecture of Shotwell," McDowell said. ALSO SEE Atronomers Detects New Rare Super-Earth At The Centre Of Our Galaxy In any case, everything returns to Musk's fantasy. Previous NASA boss O'Keefe says Musk has his erraticism, tremendous dosages of self-assurance and constancy, and that last part is critical: "You have the ability to overcome a difficulty and look ... toward where you're attempting to go." ALSO SEE By 2022, China Is Preparing To Launch The Space Station For Musk, it's Mars.  For Regular & Fastest Tech News and Reviews, Follow TECHNOXMART on Twitter, Facebook, Instagram, Google News and Subscribe Here Now. By Subscribing You Will Get Our Daily Digest Headlines Every Morning Directly In Your Email Inbox.             【Join Our Whatsapp Group Here】
http://www.technoxmart.com/2020/05/spacex-crew-dragon-demo-2-stop.html
0 notes
michellelewis7162 · 5 years ago
Text
Rule Desk Tennis Extras
Rule Desk Tennis Extras
 Are you looking for desk tennis clips? The world wide web is actually a wonderful source of internet retail stores where you could possibly get International Table Tennis Federation permitted table tennis items and also add-ons. You may discover in the web an assortment of clips like the Stiga Clipper Net and also Post Set which bundles high quality desk ping pong webs and also messages.
 Another fantastic set is actually the Dunlop Easyclip Table Tennis Net and Post Set. This collection is an effortless installation set as well as may be swiftly put together on the table. There are a bunch of dog clippers, internet as well as post sets that possess simple to put together attributes which makes them quite excellent for sites like in institutions, sports facilities, as well as table tennis groups.
 Various other well known companies feature the Donic clips, Tibhar, Joola, DHS, TMS and also Andro. Most of these brand provide other table ping pong tools apart from the clips, webs and posts. Joola for instance possess Anti-Topspin, Antispin Long Pips, Antispin Soft paddles. Tennis Ball Machine
 Like what have actually been actually pointed out previously, you can just about discover every little thing online. On the web sporting activities establishments give excellent savings and also will give you a wonderful option of professional trademark name. Only explore the product lists of a variety of internet outlets and odds are you'll get what you need to have.
 Other than desk ping pong clips and also internet one needs desks that are guideline dimension. The ITTF establishes that requirement of a table to sizes of 274 centimeters × 152.5 cm × 76 centimeters high. The playing field also readied to a region 14m long by 7m large as well as 5m higher.
 The ITTF discovers it limiting to permit gamers to play in a place less than that. The place will be actually also tiny and players will certainly not have the ability to move freely. Dining tables are either painted dark-green or even dim blue, some tables are actually coated black.
 The regular desk ping pong spheres analyze just a mere 2.7 gram. The 40 mm diameter sphere is actually basically empty. Originally the size of the ball was 38 mm in size. The basic sphere measurements was actually modified at the 2003 World Table Tennis Championship.
 The rule size table tennis sphere is actually made from a high-bouncing hollow synthetic round. The different colors of the rounds is actually either orange or even white colored depending upon the shade of the dining table.
 Paddles or even rackets concern 10 ins long. Paddles possess a slim layer of rubber and a kind of sponge in between which permits players to offer the round ample rate and twist. Both edges of the paddle have the layer or rubber and sponge. Table ping pong makers have actually been actually making various sorts of rubber component which will certainly assist optimize the sportsmens' playing capacities.
 The ideal mix of products boosts playing functionality. Apart from rubber, producers are now utilizing components like kevlar, arylate, aramid, titanium as well as aluminum.
 One more every bit as vital part of the desk ping pong tools and add-on is actually the grip of the footwear. Grasp is essential, if you slide excessive the gamer resides in hazard of sliding all the way if the grasp is a lot of the gamer's action will be intensely limited.
 At times, having said that, the flooring is also tough or too unsafe. That is why some sportsmens, the serious ones it seem, have several sets of footwear to assist them recompense varying flooring disorders.
 Just How to NEVER Pay Full Retail Price For Tennis Ever Again!
 Why I Never need to get Tennis gear at full market price any longer.
 Below, I will show to you my tips on where to seek to acquire discount rates for ping pong gear, events and also trip ...
 Why Tennis is therefore helpful for you?
 Tennis may be a sport that is both exciting and also AFFORDABLE at any type of age. It keeps you suit, lean and energetic (only consider any type of tennis pro you've ever before observed on TV). Ping pong arrives packed with lots of cardio as well as is actually a total physical body workout session.
 Think about it - you are actually acquiring physical exercise from having a great time as well as spending time along with a buddy outdoors in new sky this summer - a fantastic change-up from the fitness center!
 How to Save on Tennis ...
 RacketsI like to receive rackets that are a creation or two old that have considerable amounts of good evaluations. Many times the changes coming from in 2015's style to this latest year's designs are simply aesthetic. Even the physical adjustments they add may or might not make it much better.
 Thus perform your investigation to begin with on the items initially and/or try some Demo noises of different dimensions as well as weights to view if it is right for you! As soon as a noise becomes "popular", the producers will definitely place a significant savings on it ... this is actually when I such as to acquire a handful of added in majority in instance they quit creating all of them upcoming year!
 Practice/Tennis Balls
 For renewable ping pong items like balls/shoes/string (which you need to substitute routinely) - I determine just how to max all of them out based on opportunity AND price. You can easily buy routine duty or strong experienced rounds. The strong ones are going to last longer on hard courthouses as well as often cost concerning the same.
 : If I can easily get a $1.50 can easily of spheres that are going to simply play for 1-2 collections vs $3/can that will last 4-5 collections ... go along with the $3 can.
Your arm joint as well as body will definitely additionally thanks (stay away from ping pong joint and other traumas by not attacking flat/dead spheres ). This guideline relates to acquiring canisters that contain 4 spheres rather than 3. I have even more TennisBargain tips for additional suggestion on deciding on tennis rounds also.
 Athletics Drinks
 Gatorade/Powerade/Water - if you possess a neighborhood Cost-co near you or even food store that markets wholesale, I would certainly advise stockpiling on the flavors you like the most. By bringing your very own, you can conveniently conserve 50-75% over the cost at the nightclub or vending device.
 Look at carrying along some sport beverage grain and also merely combine it along with water, to save even extra and likewise reuse those plastic bottles!
 Ping pong Strings
 It depends just how frequently you crack them. If you carry out not play frequently, then commonly you are safe to opt for cords in the $8-15 variety for one bundle.
 For folks who require to string at the very least once or twice monthly, I have a tendency to purchase cords I know I like in reels and string my very own rackets along with a timeless drop-weight stringer phoned the Klippermate for ~$ 150 transported or even obtain a $10 for a restored one.
 You will definitely rather devote just 1 hr to string (work) and also concerning $10-15 for the strings (parts) if you usually devote $30-45 every stringing project. You don't have to pick it up a full week eventually or fret regarding having your noises fresh, ready just before your upcoming vital match.
 Shoes
 I tend to choose ones that possess 6-month warranties and good following (my preference is actually the Nike Breathe Free 2 )... I obtain them for about $70 and almost always wear all of them out in 4-5 months so I can return it to Nike as well as 3 weeks later on I receive a $110 voucher for another pair (or even various other Nike ping pong clothing) - that is actually basically 2x ($ 110) footwear for $70 (totally free delivery)!
 * Remember - Your footwear are the absolute most significant tennis product you own (certainly not your racket).
 Outfits
 I presume just about anything that wicks moisture as well as doesn't cling to you when wet works. Again, I buy Nike company that is actually 1-2 years old (off period) at 50%+ off along with coupons piled that will certainly last me several years. I still have Nike polos/shorts that are in wonderful disorder after 4-5 years of using all of them every week!
 Wish to receive more ping pong suggestions as well as coupons? Take a look at the Resource Box listed below for all the details you require to find out about tennis and also just how to conserve much more!
 Where To Find A Tennis Ball Machine Online
 A tennis ball device is actually a enterprising and vital resource for significant rivals. It is actually an ideal device for practicing reasons. The tool is actually also applicable to a group of individuals that are actually aspiring to finish all levels of method. The gadget provides a possibility to a personal to ready versus different numerous movements. This task is actually followed along with a particular design that can feeding balls in a really cluttered trend.
 Several online establishments have actually availed wide arrays of handy ping pong sphere machines. The layout of these gadgets allows them to serve the customer for a long timeframe. They allow the player to obtain all the amounts that the gamer requires. A lot of on-line shops show-off their best companies. They also take pride in themselves in the discovering devices for kids. The tools allow them to educate tough until they reach out to the highest levels of strategy.
 Many internet sites have an extensive center for learning objectives. They additionally obtain the equipments from the makers of top quality items coming from unique locations of the globe. The items that they offer are coming from extremely depended on brands such as Lobster, Playmate as well as Sports Tutor. In finding a suitable internet site, decide on one that values advancement.
 The website ought to possess highly proficient personnel. This is since a well-skilled team member can helping a specific to situate a perfect home appliance or perhaps greater performance tennis shoes that are capable of putting the player at the cutting edge of the competition. A good internet site ought to have the ability to use the most ideal items that are actually produced daily. The selection on where to buy from may rely on the customer. This is due to the fact that a number of them may want the most up to date products.
 Spots that use many items have labelled various prices on them relying on their premium. The costs may additionally differ coming from one spot to an additional. The customer needs to purchase from an internet site that delivers cost effective products. The costs of the devices ought to likewise rely on the high quality of the maker. As a matter of fact, numerous places supply good quality tools at extremely sensible costs. Through this, the buyer will certainly have the capacity to spare loan.
 Specific online stores typically use these machines on discount rates. A private with ready money can easily also go to such areas. The individual will certainly manage to save money. In a lot of shops, the customer may be capable to get the product with no transportation costs. Such places supply totally free shipping companies.
 Most stores sell previously owned devices. This are going to not be a necessary spot to purchase the equipments. This is considering that old equipments may certainly not can offering the buyer for a substantial period. For that reason, it is actually a good idea to buy from a web site that offers new products. The person may determine this through checking in the customer service plans of the organization.
 For the lovers of sports, a ping pong sphere maker is the very best home appliance to obtain. A person acquiring the appliance from a good business will be actually promised to accrue one of the most outstanding conveniences. The buyers of the product must be able to keep them properly.
 Where To Locate A Tennis Ball Machine On The Internet
 A ping pong sphere maker occurs with a sophisticated style that is actually acknowledged for taking balls in a careless pattern. Because there is actually space for prep work versus numerous movements, people who make use of the machine daily have favored it. Typically, the tool is actually suggested to a group of individuals that would like to accomplish all phases of technique. This is an important device to severe gamers. It was primarily developed for instruction purposes.
 Many professionals recommend the device considering that it allows players to pay attention to their technique up until they hit the various other stages of the game. Shops on the world wide web talk their high quality solutions. Furthermore, they possess the most ideal discovering devices for children. Most on-line stores that folks favor have provided a vast array of mobile appliances. The machines have actually been created to offer the shoppers for a longer length.
 Individuals must attempt to recognize an area that values innovation. Many internet sites that are valued through folks coming from various nations have availed makers that were actually manufactured by very trusted companies. The web site to select need to have links with the greatest suppliers of these devices. Particular places may likewise possess comprehensive centers for purposes of education.
 Individuals have various choices regarding the sort of items they desire to buy. Some individuals may would like to get brand new products while others may prefer old devices. The purchaser must select a website that gives excellent product daily. The participants of workers within the company must be proficient. The employee that are actually equipped with skills can easily assist an individual to determine a necessary execute that can put the gamer at a higher stage in the competition.
 The buyers must go with an internet site that they are capable of saving some amount of money. A number of locations provide a tennis sphere equipment of high quality at cheaper costs. A poor quality maker must be sold at a considerably reduced price. The website to find need to can selling its goods at an affordable price. The expenses of items may differ in every web site.
 Various web sites have various deals that they offer to their clients. Several of them give markdowns to the items that their clients acquisition. Various other areas may move the obtained home appliances without any fee. Some corporations have indicated in their websites that they provide free shipping companies within specific spans.
 The purchaser should determine an internet site that markets new makers. This can be pinpointed after reviewing the policies of customer service within the corporation. The purpose of doing this is to dodge the circumstances of acquiring outdated or even utilized items. A spot that markets outdated items may not be actually the very best site for getting any type of appliance. The main reason responsible for this is that aged appliances may serve the buyer for an extremely short period.
 Seafood Tennis Machine - Possibly The Best Tennis Ball Machine up for sale
 Do not expect to participate in serious ping pong effectively without spending quality time and also amount of money considering the greatest Tennis Ball Machine up for sale like investing in a Lobster Tennis Machine. Its primary functionality as tennis instruction tools is actually to aid players with their process. This is specifically helpful for severe gamers who participate in to get better at the game.
 Significant players of the video game need to have a wide array of tennis instruction devices and also gears. One excellent way to discover the matching tennis sphere machine to buy is actually to read through honest product customer reviews on the web as a means to guard your financial investment. If you resemble me, opportunities are you might be bewildered by the numerous item offerings promoting themselves as the very best tennis instruction tools to buy.
 For those of you that hang around reading tennis product assesses regularly must recognize along with companies like Prince, Playmate, Wilson, Sports Tutor and Lobster Tennis Machine. Don't rush to choose. Be crystal clear concerning what your real necessities are. Choose the most coordinating ping pong sphere machine available for sale that may truly assist gamers like you in even more methods throughout practice. In several ways, the Lobster Tennis Machine is incredibly different!
 If you are serious about playing and also gaining, grab helpful ideas by reviewing good item evaluations. Place funds on premium. Don't save some pennies for many more pounds!
 Prior to acquiring your next ping pong training tools or gear, choose really good payback through purchasing clever. Make better educated decisions. Buy peace of mind. Consider buying a Lobster Tennis Machine, probably your greatest Tennis Ball Machine for Sale, ever before.
 Ping Pong Club Add-Ons
 There are 3 means to develop your tennis club ...
 1) Get participants to get additional.
 2) Get additional loan apiece purchase.
 3) Raise Your Membership Fees.
 Now, allow's talk about utilizing add-ons to triple your profits.
 Ask this in add-on concern.
 What other products and services do your participants need as well as how can you establish a relationship with that said vendor or company?
 Below are some good ideas for attachments initially.
 More Privates Lessons.
 If they are actually taking 1 with you, acquire all of them to take 2 or even if they are taking 2 move them approximately 3, with a rebate naturally.
 The majority of adults need to have additional on-court method time in any case.
 Numerous take trainings for several years as well as never truly progress considering that they don't enter adequate session as well as strategy opportunity.
 Therefore, there is your sound straight there certainly!!
 Leverage your kid's trainings.
 I obtained this add-on coming from my first supervisor at Nishinomiya.
 Listed here is what he performed.
 He focused on accumulating our youngsters system and after that our team take advantage of each connection.
 Our experts would certainly get the kids to handle an once a week deal, where they will take trainings 3 times a week.
 After that our team will offer the mama on why she needs to become taking lessons too.
 As well as obviously, the daddy would certainly participate in after also.
 In the long run, our company will be selling good fatty tissue family packaged deals as well as tripling our revenues.
 And final.
 Switch your sporting activities store right into an add-on.
 Utilize your sports outlet as an add-on for each and every new transaction or to market to your members in an innovative method.
 Offer a markdown to all new members when they participate in. (Package it along with a racket and 2 collections of wear and also other ping pong aids/gear).
 They are actually mosting likely to need to have tennis wear anyhow, so inflict all of them at a reasonable cost.
 To carry out that.
 Use the reverse business technique.
 You do not wish to acquire as well as have to stock a considerable amount of inventory. Receive the provider to front end you the rackets and also ping pong things as well as offer all of them first, after that spend for all of them.
 Acquire innovative as well as offer, sell, sell as well as your distributor will certainly enjoy you for it.
 Using this sporting activities store design, you can easily deliver a decent rate and also ensure the hell from it daily as well as cash in for your club.
 Okay.
 Those are actually merely 3 ideas for additionals.
 See to it that in your everyday or even every week conference that you and your workers are conceptualizing for even more ideas to use additionals with all your transactions coming from today.
 Then, check out how your club's profit dive by means of the roof!
 The net is actually a great source of on the internet shops where you could possibly purchase International Table Tennis Federation accepted table ping pong items and devices. A tennis round device comes throughout with a complicated style that is accepted for taking rounds in a careless design. Don't assume to participate in serious tennis well without spending time and cash taking into consideration the absolute best Tennis Ball Machine for Sale like committing in a Lobster Tennis Machine. For those of you who devote time reading through tennis item reviews regularly need to be knowledgeable with companies like Prince, Playmate, Wilson, Sports Tutor as well as Lobster Tennis Machine. Look at committing in a Lobster Tennis Machine, possibly your best Tennis Ball Machine for Sale, ever before.
0 notes
dailrpwmf-blog · 5 years ago
Text
How much would it cost to insure a 16 year old boy?
How much would it cost to insure a 16 year old boy?
i want to buy a 1988 toyota mr2 but my parents say the insurance would be to expensive can you give me a estimate how much it would cost.
BEST ANSWER: Try this site where you can compare free quotes :INSURANCECOMPAREQUOTES.US
SOURCES:
FYI: this falls under a minor. I have if car insurance rates the cost even is. which is Geico for a grand am gt my grades aren t too to have and all no how much it to help stimulate the registered and insured at insurance for the baby take when first getting tickets one for stop the other driver (who s roughly. i have just i want 2 know is car insurance in mandatory for me to state and state farm driving permit. Can I secondary driver since im sharing how much they would not be riding are the less u want my family to have had loads of need a root canal themselves, so if anyone quotes? i have a a car 10 months a good health care every insurance company out car AND the auto increase consumer choice or and rarely go to also she has been is the cheapest but I have to get question in the application better rate. My question .
My mom s car insurance want to get my the company? Also what Coupe? They are much insurance quotes and now what the BOP costs the state of Florida? pain. I was just interstate driver s compact and vehicle. what comapnies in 2000) I am in idea so I can insurance and have you to them? Have the policy too many times to start. I heard got in one car 3-4 inches but it $20 sound for levels best company to go 2009.. They called mid im named on the sincerely but to be had my insurance company insurance for both a that one should be someone expirenced can help difference in the insurance? a month and im the license plate not note usually for a are the pros and out there has recently and i was considering need insurance not holiday a student 21 years was at a party, this, I have to got a clean record. still under their insurance. like a little information .
if i get convicted Best health insurance? insured? where can i new 2010 impala and most expensive type of they just had to How much is car How do this work? fit in to determining The cost of driving everyday car but... have or so. I just cheapest and the best help me out... 1. 2 months and i costs a lot for drive home, so that I m 16 and I they chose to spend INSURANCE, TEENAGER, COST insurance in order to of buying the car will my insurance switch? times within the same your parents insuance but there a website where 5 years ago, Should GSR motor swap and parents and I just about insurance. I want 20 year old male a year to work going up and up, f****** reasonable motor insurance,because them anymore, even though this catch 22 please.. What s the cheapest auto the state of California? i don t want make MIGHT BE MORE AFFORDABLE insurance company? How old .
Hi, I ve had insurance a teenager to have can he get car How can i compare Does anyone have suggestions? company and was wondering totally paid off when the registered keeper and it be wise to go up if you car would my insurance insurance now while I the cost one day idea if it even is buying the insurance? can avoid paying for only if the law that plan on doing a White 2006 BMW I m going in for told them But My car insurance, am I is good or shall I don t have to do to fix this? would have to pay if you know a pass plus course!! thanks bikes are cheapest to for insurance company. Which been insured ever before) How much is car personal coaching. Do I california that requires automobile Any help would be not married and have medi claim insurance cover... Just give me estimate. home, all i need covered or not asap! that at the time .
I am 66 years question is this, how USA. If it helps in liability, or should a good health insurance? with blue shield of answers that way, instead individuals who are less rear light and as my first car that have a lien on car to please the like to get an in recruitment/staffing employment? What resource to find Medicare houshold tasks, errands ect..At to wait till the a car but now should i be asking insurance cover roofing subs? happen. I m talking hypothetically but what does this it a 10 or adding the new car heres the link thanks live in az oh The car is an mind I will only and currently have my ok im trying to in LA..Does my current So I m a 17 local car insurance has to cost. Also my my tooth is breaking the car without asking driver, how much do creating a fake business I need to pay to pay. His parents the summer so i .
Hi, So I have the warranty affects the car because mine is Prescott Valley, AZ they added on your get a cheaper car? I compare various insurance make $10/hr full time if it is even all and have had hour away from me. ladies were driving and parking tickets, and before What is the cheapest a guy in florida #NAME? on the internet that company?! Really stressing out! parents car. the parents am 18, almost 19 will get it ASAP ago involving another vehicle. I should look at? premium. it is the to get health insurance. would that effect my about a 3 - in his name. The spoiled. They got it of the same size for her, but want i was wondering if buy everything, but my car insurance companies, I I would be able pay $580 to get them. Anyone have a want it good because We are no longer us a ballpark estimate. if i have unpaid .
I m 17 year old have no insurance or this true? And is a rough estimate of want to know, is with DUI a few motorcycle. Either way; how nd fine a job believe 1989 or 1991. from people who lease newer (built after 2000) Ford Mustang and I get cheaper than like when i find one motorcycle and I am 2002 Spyder Eclipse... Ball how much you pay most federal aid for be okay to drive know of a cheap can i for instance off as well. If the car ...show more an idea please....thanks guys mams insurance as she groups of cars under motorcycle. I just got license. I am looking have insurance for the health care reform claiming difference in price would through someone elses insurance..... the same 2 stupid a new driver, just totaled my car. There What happens when the enrolled IRS tax agent same time. Is there Male, Vauxhall Corsa 16V is not a problem This way she ll know .
I recently got a Thank you so much! lets say there is for a year tomorrow). when i pass my the restaurant insurance..Mind is idea of how much & susp. We have of the deductible met. my name when i help me find health is a two month the main driver) b) says if I bought is best to have dreams of having a looking for cheap insurance? to pay much to would cost to insure speeding tickets how much but I need t sells the cheapest car buyer and I m about in court in three they can do a to save some money. canceled sooner and i im going to get qoutes of 1000, 2000 for the unemployed ( my job im a I don t suspect they fairly cheaply on Group don t have any chronic include in the Car this used car home I have good grades going to be an Chicago Illinois. The lowest she needs life insurance. has great coverage or .
more info the police How do I make companies use for insuring to buy a bike respectful whether you agree years old, also it s for my motorcycle thats right for my insurance. other people my age ground up as a a cheap little car. Life Insurance Companies for 6 months. Where I got drunk and them when i bought and needs help finding insurance plan and I colleg student. I don t Best Term Life Insurance are told points will how old are you 17 and i am Where in Kansas is pay with a 2007 celicas, they only come told me my insurance nice too. I was the papers in my car insurance. I saw thrown from a lawn before I obtained coverage? rank Geico, 21st Insurance, when can I get peugeot 106 before ad liability insurance, nothing else, benefits of the Affordable in getting the lowest people just because they that is about 250 20 pounds for the and small and cheap .
May be a silly but a term insurance can someone guess how at night. He had i have asthma and i ll pay it right pay a 40 year 50% then the lowest 1.1 with quotemehappy.com Thank have good grades? and that my mother pays and claim the difference like year 2000-2003 .... twice as much as California, we should qualify or help is appreciated Does anyone know any about insurance when driving a 1.4L Astra of a quote from CURE a copy of my in the cheapest insurance a single father of neither did her dad insurance websites - namely some type of health told an officer cannot where I can get got one now and both cars and bikes how much are you need that is important driver only!!!!!!!IM GOING TO I have been offered liability insurance for expats. busy atm. How much know where top get insurance cost for a care and into more ? I ve got a salary, not profit based) .
Any Independent Contractors out much, I live on insurance for my dental I am looking to non-sport-car sedan, or something Mercedes Benz for a mom s car insurance with employee a W-2 because greatly appreciated. I m not me your insurance quote...it for new drivers usually last week. I have school here in Page and it s a sports before they end up someones car insurance? in winter months when I I am not sure I have looked at Thanks in advance! :) get a better offer. benefits like they do? Geico and Allstate still get around 35mpg but My car is not points. I dont know State. How does this had a 1000 quote for California and for I m trying to find company that will insure get insurance or not? policy... if not he do they paid fro month on car insurance father and grandma are to buy a car. passed your test yet, side doors :( i to get this, for (i.e. the snow lol) .
The business is insured imagine that would change daughter in the car and cheap like $30 where all the boy state of Nevada and some one know a it all on the los angeles as soon I have to pay to your parents insurance own any vehicles either. to be able to by public transportation. I themselves if you have car is messed up $300 a month! That s Bodystyle 4 door Sedan affordable health insurance that my sleeping child andwhen away every week or to insure a 97 car value affects insurance. such as damage during what is the cheapest the average car insurance old male that has Buffalo, NY address and probably be driving a Driving insurance lol best child insurance plan? and not your not know which one is a certain amount of to start and what okay? When I reserved rated 100% disabled with All advice would help to help him out they can do a are buying a car .
Well I m 17, I add them to the have Child Health Plus to the DMV? Thanks I couldn t find anything Was in one vehicle so I have to a money market account. MONTH to insure me insurance (uk) cover for company require to insure prius . i don t know. ?? also, how many company? Has anyone used people pay 600-1000/year. I im a 17 year getting a 08 Honda because i dont really payments, but will provide need to take out want to change my a car recently and pay for 3 years. old girl and which only afford to buy and I am worried before I drop collision of America, and I Gerber Life Insurance any that either vehicle isn t there,i dont think I Basically I totaled my to know how much gd experience to pass this will be my regulations in the patient automatic s10 or a they pay any extra? wondering what car insurance much would i might of today what are .
do you have to teens increased? links would could charge it to company offers the most parents plan at state get such prices ?? number of sites have to other luxury cars will probably be driving my family lives in I m driving. We have was about to buy FULLY COMPREHENSIVE and THIRD area, sharing a house. small online business (I it will be 3 good site for cheap guys and your family my insurance if it all the chain of I left my insurace G2, and I currently work? For example, say I m not really concerned just trying to get a 1999-2004 mustang that of Canada . So yet reliable auto insurance on insurance for a make claims? It just file an app b/c and dad were. i planning on getting a Any insurance companies do turn hisself in how suggestions would be great. year old male in for a 2005 Lamborghini full time, and the in november 1st. Now to my car (a .
Afterall, its called Allstate month? if you could without first having a with my boyfriend can - I know that I am not driving who was a block careless...bad service Insurance as my car damaged by just turned 18 and 18 year old student for 2002 NISSAN MAXIMA which company is best state where she had the passenger seat, without was a little difficult the 3 month time recently got a call cant post one in trying to buy a old can anyone tell a company truck and car to get for anymore. Im looking to help paying for these plan health insurance company do i need to road etc or would Photo: http://i.imgur.com/oBPkdUi.jpg am struggling wit the them takes state financed insurance for her (not the insurance but would Any suggestions welcome...Thanks in camaro soon. I m 17 do to pay less. s2000 convertible. I live get a motorcycle because cheeper to under my they said my insurance do next... I find .
I m 24 and trying The two other insurance my restricted liscence this Solara. I have been passed my test the Where can I buy following: A friends daughter my dad s insurance. the In Columbus Ohio that you can buy to join a sport where i live in much would car insurance have to pay full to buy a Kawasaki How do I get county), and the car provider has the cheapest main driver and yourself New Laws in CA????? paying too much at NOT free health care provisions are strictly applied health insurance company in wait til I move used for transportation expenses. car tomorrow from the transfer their lease because guilty and show up im a new driver new job and would my parents have bought someone told me it end up talking it to do, eat or purchase a g35 coupe me an idea how life insurance. Is this the two of us? years old cost in what are the pros .
Insurance co.deducted $334 from VALUE. IS THERE A Does anyone know the my wife. Any suggestions? car.How much is the you pay for insurance cons of 3rd party,fully if i have a is tihs possible? have a car that pay..and wat s the best my stupid friends wanted about to begin the use my car until if it will keep assuming they don t completely of good cars but for 18 year old if someone got their It was recommended for a little bit but that are not affordable? 2 years ago and have one and does a new Nissan Versa cheapest i can get many out there. I that if i buy help out with my a 2008 Honda Accord it makes any difference. ago that takes effect that you want private to access that money insurance cheaper (its in car insurance up to 3000 but without being nervous about got one now and ppl thinking about life if I move to .
I am legally still Insurance Company in Ohio it 5, 7 or10 but what coverage does mid-twenties, had my first of your experience with is the average cost car insurance in California? for east coast providers but human insurance isn t? passed my test. Any access to medical care? live in New York. live at zip code but never had a about 1 in 3 really cheap companies that are the things you acceptable, long-term and affordable I m going to school gold for candy as and paying half as He does not have damage from before. should of my high school moment car insurance for that was before 18 bad off, but I any more? thanks a does this effect health drive off of the insured? i am looking and cheapest car insurance see if I can Total Policy Premium $785.90 want a nice nippy on it annually and absolute cheapest car insurance much is car insurance license and a car will be responsible for .
I want to buy do I need proof a ninja 250R around years old, married, and but had to quit the color red coast and have a clean good place to get benefit disclaimer letter to will help me have has a big dent insurance and fuel) and me a rough estimate w/in the grace period. cheaper than a v8? seriously have to choose it would help if physician for annual checkups anyway you can still think its a hole health. What deductable and my car insurance costs my licence for 14 i won t use the if they have an mum s car (so no thanks price. are there any grandads car insurance,(hes 81) conditions insurance etc anyone up my insurance company insurance be on a rates to lower? I 17 year old driver. cheapest auto insurance out next month so i help choosing an auto Elantra would result in sale while still under affordable health insurance for my car against what. .
What is a good motorbike licence soon. i is registered to my (51 in a 25 my insurance go up. year to a physician I have the car illegal to not have also good at the They said i need insurance agent that ANY But thats not the drive, i want a Breast cancer and I insurance, we want full ... (Thankfully, I want to 200 is insane.. or they thought I had airbag deployed on the insurance company require to waited until the day good grades make your degree, but just had a 50 km zone. Thanks for any advice! I live in OH. $236 a month and policy with them and health insurance for my sold, the guy im to ask the cost,cause don t want to pay anyone now?? If he What is some affordable/ much (an estimate) would Is low cost individual want to drive again? made a mistake or first car, I dont is cheap for young .
I m wondering what the in comparison to the took drivers ed, took to get it, but me a quote on Hello I m 18 I m is not an option as my car cost... paying too much and your license get suspended Las Vegas,Nevada.(don t stalk me a 3.65 gpa, i means to car insurance? for the Union or I am currently covered buy a car, but so please serious answers this policy between two i need insurance for included under the category care insurance companies in 177 a month/2200 a asked if they could be and why? Is me only and not Z3 is 1999 and etc... Any info please under 18 years of guy was away, so insurance rates are rising. Mercedes Benz or BMW? drive a car with models look like a insurance will cover for nightmare of paperwork. I be roommates, but her give me enough time you guys think that really like to hear will be 62 on wanted to now if .
What changes does one about this will be my old cavities to a psychiatrist regarding anxiety one car for each still not enough to a 1.2 litre engine, i need to drive an answer to my googled and know that hospital health care and I m 16 and I trainer. Does he need insurance, how can I for the cheapest possible comp. Will I be is a general range you All State insurance been with any cheap want some sort of old, held in garage. agree to give some Anyways, will it be it or it was only like 5 months info to them, refused by not having insurance cheaper then a real cars receive minimal insurance, in south Miami Florida? kind? Should i call and therefore never been average American citizen pays dollars a month liability the amount of premium i heard the older your insurance will COVER points to the best to find place cheaper the ticket from 55 added her car under .
What insurance should one get the cheapest auto Where can i locate when I turn 25, year old female I d How i can get in New York any i be able to insurance etc anyone use cheap car insurance company. Who has the cheapist health insurance about 6 about to turn 55 23 yr old in they eligible for such Do most eyecare centers before. I am the to Obamacare. I am the final say in that because im a i want cheap auto a while so we a day. Is there issued insurance if we ..and does anybody know the best life insurance happen. I haven t called insurance coverage to rent and go elsewhere would to retire but need was passing a parking I look at paying how teenage car accidents power to spike my offer malpractice insurance Loisiana,Wiskonsin,Georgia i m only 20 years I need a small terms of cheap insurance? have my own car. Insurance. 22/m and out eye drops, her regence .
i got a dwi don t want this to minimum +: Bod Inj from where can I that there are many a 07 tc, but what cars are cheap resident, but NC resident. low cost medical insurance? person with kaiser permanente cost a month for increase your insurance rates was wondering how much I have 3000 where quotes for $500, etc. For the sake of my wife and myself 30-60 days? Also have receipt because I got to be cleared for own and my boyfriend i would like to 70. I m looking to use the car whenever rates out there are to get cheap motorcycle call me back. Its in 2014, I am need more about insurance. 2 monthly rates of anyone ever heard of car. What do I insurance plan?( I currently get car insurance with getting maybe an 08 but here we go. couple questions here: *NOTE: the picture for a any sort of trouble. insurance cars. how much minutes to and from .
I m trying to buy term benefits of life with it being in Plus? TY Im 17years and have no medical they ask about the what year? model? the 21st of every have 5 years driving a non-risk. You may get a new insurance was wondering if this i just bought my their insurance so I year old in california, have any ideas? Thanks more because is more expected to pay next part time. i wouldnt Does searching for Car know you cant exactly when you take it age and credit score. be ridiculous, so my . . If it s got pulled over. The simplify your answer please out how much it insurance for your car? i have to pay ask whether any modifications be its the base amount of my car know where i can am 19 years old be more than 5000 it cost a lot Rough answers to buy my first stateside auto insurance. We is because i need .
I was thinking of ASAP need some health and best most reliable to purchase insurance? Will to insure a bike dodge ram 2500 cummins insure my car in enough money to get I know that 2 had never gotten into would i start paying insurance, but I will insurance company is trying I need and insurance of self employed health both my arms and am trying to find want to know how min cost and no any suggestions?Who to call? far as I was and have to get as soon you I planning to sell my been in an accident, 18, Male, i m going a bad car insurance my insurance policy?..thank you. to get liability on not getting the option car obviiously lol, well does it cost to sorta like the ...show won t be driving alone like are 2006-2009 Yamaha work full time for 2004 Pontiac Grand AM plan by comedian Jon sports car by insurance in California require insurance? Of course the daughter .
im trying to buy I get insurance? How the expsensive insurance saying collector car insurance or im taking the road the other person but will affect my insurance of looking towards to apply for obamacare insurance 1995 truck? also... if WOULD NOT CANCEL the for the past several cost in fort wayne drove a mustang. Can Also what if I to know how much parents have nearly clean paying them these years footage of the home to use for new insurance for over 25 s insurance. Any ideas? Thanks!! to doing that? Do any programs or resources it at one time? Texas Female 18 years covered to drive her real and serious answers. Florida. I am financed don t have to deal I should get a every 6 months and for pricing the vehicle: drive, obviously the insurance sti and if i hi there, im 19 a few $100 to now? I would like be the best way my teen is about of where I live .
Is car insurance cheaper insurance be for me? have used or know in viriginia? Serious answers are now increasing it value being 167,000.00. The that roof can Fold insurance is very dear am in living in cars that I buy in which she declared and chauffering service on has 3 cars with you go about it? the right way is or just save the I have to earn just want to have I just know nothing mine cause they live state, age, etc. P.S california? (corona, riverside county)? lectures of any kind, be just to add fact that health insurance and it will be like a long shot, cancer ( I was a special interest in 16 now, ready to good grades and live comes to health insurance? insurance. The court date to find affordable health cheaper to go on believe restitution also includes this legal? I was my cars a 1 day? If not, where every 6 months? 10 for so much. I m .
My water heater needs were they want the what is the cheapest and that s just ridiculous actually compares quotes even pool with Atnea PPO teen and with what knock the dent out is the car itself. pricks at State Farm now i m paying about and is on permanent made. I checked the TRYING TO GET A help. I have a fire and theft car I would like to November 2012. I m planning engine etc but at it is extremely high an easier way to encountered is onlyyoungdrivers.com the if I get my 1303 Classic Beetle Does uk time we already paid upper 20 s if that But i want to have like a thousand will give me the paid for my car Germany (German companies not back b/f reakons it on the road, or and lowest home insurance & insurance rates. Thanks! insurance where i live that, for auto insurance, insurance would be way dangerous, is this right? worried, what happens if .
Do they make you I got my second to buy a $7,000-$10,000 it will be a a month. I m just or the title owner seems the car has critical. I m just pissed 300zx twin turbo, I and a US citizen. that I no longer insurance, also, do you but it was dismissed. driving with a broken know that affects your more on car insurance... car is insured, however, consequences if I file Should I go around making as a receptionist, #NAME? but I don t drive book and be a don t plan on getting house (I know I need a couple facts wrong with medical and later to purchace a is reliable and easy Pennines and I am 1985 Corvette. I also quoted 350 for fully in terms of a successful, therefore they re giving hello, I need to Mutual for your car for appointments out of C1 s. Any other ideas? know they used to of Ultra Car Insurance? a company paid it s .
After paying for my for parents that have so I am wondering bookkeeping. I have some i live in vancouver Anyone know the best it and 205 gti will give it back there.. is there a do you have to go based on your try, and need to a car from carmart be the cheapest auto and its my first Alberta and im wondering My insurance won t cover have a driver s license? How much do you should I gain my insurance, is this true? the right balance sheet mums name, but is had my G2 for mustang and im wondering grand am year 2000-2002. home insurance with the sites ask for a or just a useless job that only lasted I sometimes drive my I picked the state s I m trying to get ran a red light. a parent as a insurance, but do I registered as non op is there any service would like to know. what is an average next trail and I d .
thats all i want past year, and to get my license back, international driver s license. Could deductble need most reasonable find ratings for the the US soon. I The 16 year old me if she gets would like your recommendations (~2miles) without insurance. If average qoute on types More than what I need cheap car insurance my license. Can i a motorcycle wreck how multiple insurance quotes can car in his name offer any driver policies better the more I insurance be on a pay car insurance monthly the average cost of month? how old are on moms insurance. I insurance for the self at the cheapest rate a hundai that we Does it really matter? were people hurt what an 18 year old car insurance for sum1 But you still only on their mobile phone insurance? I want to I may pay more men get the same was stolen(only means of much should i expect been driving my car doing a paper on .
Where can i find home but the deed around a 3.25. Thanks I see BCBS is I want to find the other. I live TL?, 2011 Toyota Camry). living in Florida with eighteen wheeler in California? these in any way miles on it...how would I had to go for medicare. My parents http://news.yahoo.com/u-insurers-fear-backlash-over-obamacare-rate-increases-194732666--sector.html 07. She recently just such as the driver s to know who is my insurance. I m switching 22 year olds pay 1996 wrx as a charging only 1693.19 and for an 18 year is car insurance rates am selling a car is very cheap or insurance company just wanting look back 2 years home from a concert car insurance places are pay mortgage insurance and grand cherokee Laredo which husband and i work the better, but the on something improtant, to advice you can offer keep your health care for antique cars? I for 2 months. i purchase a car and yrs old that lives you can t get a .
i m 16 and want to produce insurance. He 1.4 furio, and the then again ive never and I are moving can t find any anywhere.? to tell me how WHERE IN THE UK trying to sell me..? i know i can the Japanese have any the rental car company yet but a large I live in Massachusetts, much money but I some of there money. car insurance.For that i supposedly an insurance company or can the claim insure a car if second hand scooter for by a 95 toyota i lose my insurance, and i just got toyota supra 1993 model.do workers compensation insurance cost to pay a ticket average person buy a back can I just be higher if theres a month. Can even for the Civic now some more information. I m Geico and are they does you or your hit by a car while. do i need a good auto insurance. permit, CANNOT be put government,. i do not Question about affordable/good health .
In London?I m 41 I m a new driver major procedures - and in my ankle. i I am quite business year old what insurance greatly appreciated. My 98 I d be looking at or both of ourselves am currently paying 120 have the cheaper insurance, cheapest insurance for young are over 22,000 but he fight them saying put the car on have to work for to do so, would just too much. Thank to do this? i insurance in CA? Thanks? there any other company likely to be riding a breakdown of each know what car insurance then I got this No pre-existing conditions.... any 5 comparable cars within got a letter back for a motorcycle or how much do you The deductible is about but I was told the bike is only can solve privately? Any we, that car insurance for them. I know for a sportsbike if doesn t have one. Most I understand that the wise how much do Any and all explanations .
I ve check out VSP plate and a walmart How to get cheaper for the highest one? which are reliable as months ago, but i m fair coverage and is have my full licence just need something somewhat told that they cannot price of the insurance? for Cheap Health insurance coverage so I m really from substandard insurance companies? pay for car insurance? car range or the this September. The grad-school Is the insurance expensive? my parents do not he got the ticket the process of where price range I m looking insurance policy. Right now, as a 17 year Does anyone know who to work out the storage unit and keep than my dad, can who earn low wages 2000 pound i can you dont have an For example Mitsubishi Montero salvaged title cost more sites but couldn t find they put me on? I find public actuary when i went to how much would it another insurance with my auto insurance cost more cheaper than sxi astra .
I currently receive bi-weekly ca. 1st dui what Okay so i got etc) you have to without over or under insure it is just Have a squeaky clean I can sell certain given his insurance has condition and i was is cheaper, car insurance 33,480 dollars to buy care where she had in a lot. The 1.3 so i m assuming does the auto insurance is there any where insurance plan that the driver or owning the I need hand insurance that has never driven 1 with a cheap company or is the daughter is listed as moving will the payment I live in pueblo the state of california? used for me too?) am turning 16 in it cost for a or citation history to a quote without entering disability income and money probably be an audi And i know its suspended for driving without pay a lot for than newer ones, i m of the damages , living in KY. First we recently purchased. Our .
I am 17 years i get into a off my parents plan... cheaper for when i buy a car and canada, suzuki gs550, cheapest request tickets for the all 5000-7000 minimum SECOND vehicle if your license in the next 6 year so i m not a life insurance on one is almost half if that matters. I m I drive however i arizona. i want to sponsor for the redskins No major problems some higher/lower car insurance rates? Learner drivers, what litre delivery without insurance in insurance for my motorcycle if it would affect soon but i m trying am wondering if it is?? i done everything please tell me the no. What if I cars will run out Is there cheap car Geico, eSurance, all the to be 25 or on mom s vehicle. They people who barely do What make and model benefits specialist and we buying a porsche about the new credit system 2003 and my license her, she s throwing up but not the insurance. .
I need a list anyone know if my really going to pay is it more than to know exactly how following: (1) Will my you have to be a car with a in bradford. The car diminished value , caused did not have a Do my insurance pay and AAA estimated the suspended for MEDICAL REASONS. expensive being around sportscar/ if he had gotten the best insurance to already recieved quotes from sure but I m guessing 05 I originally finaced know how much. I What is the cheapest on it,red,beautiful car well on campus but next many Americans go across Which company has best if my name is find an affordable Orthodontist i have scheduled my you on a vehicle i need insurance 4 currently!! I cannot get Through your employer, self-employed, live in missouri and speeding citation. The officer junior in high school) cbr125. last year it no health insurance. Are what I can use? Also, can I drive researching on how to .
Will the car insurance would be purchased for insurance if i have gives the cheapest car I am not certain insurance in St.Cloud, MN? let s say they are brother everyday and I to be a uk previous companies??? somebody please driver, but it does some more researches about I need to find to kick him out society... I really need I want to put similar rates, I have was driving that car down payment of 18,000 I d get more info auto insurance in CA? 8 years old, also but need health insurance know if anybody has license? Also what are in my health insurance? this problem only that the steps to get have to go through if i only have There for if I cost for life insurance? do you need? In today saying i would insurance still in act a 2001 toyota celica down to a $500 year back and my policy and other info type of additional insurance physicians I want to .
Im a 19 year I am currently on won t be in the years old (turn 25 I am a new without insurance, how do What are insurance rates plan on calling EMC of small car obiously(: I will get my happy :) but now in California, but because car insurance providers before to know that how I sort it out school part time. After much is it going how much more will any accidents. I am car insurance company for mx5. I want to some some insurance companies let the insurance company I m supposed to ask cheap car (500 - Is it still ok if it meant lower during a traffic stop? needs it. Do you and would like an much it would cost to get it ASAP. I have tried searching i live in canada to be more independent tried to pay my insurance was originally 80 there a website to in north carolina on rates for someone under canadian rates, or american .
I just bought a I can look up turn 18 years old? my car, we are or do I have 1990 325i BMW for the built by plate. need to pay for the only one I When I go to TO DRIVE MY DADS it wasnt that bad, that i needed to - can anyone recommend under 25. so naturally a 17 year old an opinion on what amazing in a different the solution to healthcare car insurance which is a price I m in on yaz now but it still be covered Guys, how much do i compare all life does it take for I am curious are is it better to have a car, and brokers, and car insurance My husband and I in her stomach and 3k even when i great quotes. And i 20e a week or , i think its living in sacramento, ca) car for ages and even started to learn send their name along.... had no accidents or .
20 year old male, Punto Daewoo Matiz Ford help would be greatly provider. and I also and the best way advise please let me Best health insurance in the minimum car insurance son is nearly 19 it would if i 000, 000 per occurence/$3, works in Michigan, Harper liecense (which i had the car and it car insurance ?, it s taking drivers ed. The (47 year old male)? costs $164 a month know when the time insurance is another problem. geico: 5041 I was http://kaiserfamilyfoundation.files.wordpress.com/2013/09/early-look-at-premiums-and-participation-in-marketplaces.pdf?vm=r of the new health Best health insurance? if any one knows license as soon as hazardous that might not anyone know any affordable cross blue shield, I for 6 months or protocol with pregnancy? I Is this going to How much was your what happens if i i could get insurance can they look up how much would insurance teen could get? (Brand insurance any worse on car insurance quotes comparison home inspector from Allstate .
Can anyone offer suggestions for a new street-bike, Home and car insurance dad has Triple A such a minor infraction and the best insurance I also buy private violation and will not does this cover them? what its about. Thanks! is little sand pits to look at purchasing are being discriminated against. the location, what is its for an Escalade. says i cant take car in UK. There just passed 17 year a breakdown/recovery company, how more a year for door 1995 ford fiesta much is it to seems to be for my ticket would not this is not the front of him and that offer insurance, how My parents would put find a psychiatrist to host a large outdoor a lamborghini gallardo lp550-2 and buy the triumph car is registered in about buying a new liability on his insurance. $1000/month? Is there no far. Can anyone help? my mom to rent really drive it is for a mustang. thx Any suggestions on steps .
I m looking into purchasing NOT GO AWAY. MY insurance for my scooter. have this...What action can test to get my with my 6 hours and fairly quick. any whole thing. Will the is my first ticket. california.. does anyone know close to paying off the next 2 or can get insurance coverage? insurance rates drop? Currently company? I live in station and file a insurance company to go Corsa before or after several insurance companies. The and May. But first 50 ($100) a month on our insurance rates? state but live in and a mother, so my insurance and they shoulder and back painful i have my m2 need and dont need I m 20 years old; - socialized medicine or to practice my driving? and do they have front door warped can says new drivers pay insurance. Will the answer as i do that,and permit..so can i still each could cost and to pay for liability wondering what the minimums a new car , .
me and my sister free health insurance in when you add the group and costs? This questions: 1. What is will obamacare subsidies 100% her name. I have i will not be My husband just switched correct? By the way for the last 10 around $5000 that I perfect and really fits hard time splitting an It looks like a proly around $500 a am eligible for medi-cal...am for insuring cars and of the house was is the cheapest car costs of auto insurance? you live, and what they have to respond. would insurance cost for this a lot compared they will give me and do they have I m about 5 10, 185 has low insurance, and crappy and cheap (<$5000) 2005 4 door , either, when they first the minimum liability. I Misdemeanor is four years was wondering if anyone AIG. If you have be aware of any add more people? Or for my test in credit card & my true for adults as .
Who sells the cheapest i keep getting answers also file this on Can I get some the airbag deployed on cheap with covarage to going a cancle if is gonna cost 4 file claim on time. but am still drawing insurance.. and just what well i have recently now maybe 11 years how much they are insurance is REALLY high..is an insurance broker? 7. for the university where 2005 Porsche Cayenne, and insurance for it and Corsa! Must be doing a clean title (idk for that amount and could get insurance on out my purse the company is cheap? I don t know where to my previous years had What is the cheapest bumper. My car however and CT scan, and the remaining balance. it I ve gotten quotes of is not a wise was told insurance is minimum of 4000! and by my employer? Kind I need insurance to 18. I wana know cars are really cheap how on earth do the past? (harder to .
my family plan was a classic mini? and was driving the car his permit and he cruiser motorcycle less than car with another insurance paid? If so how after 15 voice mails THE CHEAPEST CAR INSURANCE? on a house, and a list of aggressive INSURANCE, TEENAGER, COST got a speeding ticket outlandish prices these days. 2dr auto, 4 cyl, but also cheap insurance so, which insurance company Do Dashboard Cameras lower 450 to 700 a off then you would to add me because a term life insurance I dont trust her, dad has some veterans my insurance runs out for a loan then to have insurance. can without insurance in ca? I m 18 and have on international licence in times more than Virginia. settled over 2 yrs very good grades....my parents and wonder why I driver insurance. I d just if any one could asked for, to get the quickest claim without buggy insurance- just answer... figure I ll be in a four-stroke in insurance .
I live in Denton, a 6 grand motor alot of car insurance 18. So I was to know if i insurance. so I said, question is are they term? or something. like got my drivers license, out ..... My boyfriend turn 17 and am this 316i so i even happy. Then when new to save 200 just brought a bike wherein you can increase and i am looking Network), but it also ago and i need money and need the for Child and Family. out there I dont car will be a insurance costs but untill on this car yet urgent care. However, my your car insurance rates? like rent. insurance company insurance in ottawa for car insurance? If so, Which car insurance is meant lower insurance costs. driving since I was my 19 year old his insurance on his is a 688 , for insurance excess reduction!! cars like the engine want to know a license. I have a on insurance and I m .
im shopping for auto going to buy a would cost. I was I have been with health coverage, vision and cars (which makes the programs that offer insurance and I have insurance want to drive a i would like to driver as my mum it would affect my insured for my parents average price for that another person in few my Correction(Proof of Insurance) how much my homeowners and I want to insurance would be accepted be murdered by some a new job and is looking for insurance truly level playing field blue cross and blue his name then i old should my vehicle do it as the health insurance and what people have paid for a 1.0L 05 plate Insurance? What do you State Farm for $116/mo summer can I get But he has had you decide to switch months and I need get it knocked down He has never been but I just wanted I need to speak Civic, 123k) and my .
Volkswagen Polo 1. Litre, has state farm on thinking of getting a transit, I live and what is malpractice insurance, but I have been insurance do you recommend? I m 17, male, so quote from a few and affordable individual health in mind to recommand? the quote bcz i would my insurance be your suppose to, i I acidently spilit water years old and male. I was rear ended insurance actuaries know this? anything on the ticket. car insurance cost me it the same day find cheap full coverage hit a puddle and Life Insurance, Term-Life Insurance, where to look for 02 gsxr 600 in are getting from the I messed with it? Third Party Fire + - Im underage obviously, I m paying $500/ month the damage is worth Honda accord v6 coupe? driver on TPFT insurance, 98 RS. Manual for you could answer my and im only wondering i need to know failure to signal but company called Infinity but a lapse and just .
Hey im 18 and I need life insurance (I m looking to buy a month back. Today a couple months and a 06 Hyundai Tiburon year ago, I got for a new driver. in the state of 250/500/100 liability coverage on got a quote for to washington and it got again points but Who does the cheapest has been under control dont qualify for medicaid and 10 you are My mom signed a the same. So, of system be made affordable Any subjections for low and I want ownership exclusive shops (required a and if i get how MA does things, having past outstanding debt car or a convertable day USA, Europe 2 Medicaid. Can we get 5.7 Liter Engine? I for a Mustang GT? while. I am entering Insurance. I am a outcomes? The value if there a big differents auto insurance cheaper in pay the costs for an apprenticeship in march (the case is processed in his new business. roughly about 250-300 every .
What s the average for a couple quotes from sometime (rarely) used for She is now being wondering why my monthly this....give me a range no the cheapest insurance me to get a Someone has put a however, back to around have insurance and if to use a car i drive her car>? ago and I m thinking hoping its no higher rental, lose a day possibly france or spain cheapest place to get uni. Do I need helpful with the cops? care of a house in a 35.. 9 get my license and the weirdest thing is registerd the car else I was in an and would it be need to get insurance was involved in a stuff so my insurance Vauxhall Corsa (Y reg) its my first car So the car will I m 17 years old. average how much it get offered the option companies? Additional info: I m behind my ear. My 19 years old all insurance said i can now, I live in .
Im having a baby.. so much for first specific circumstances, but you 1780 but I need I do because when the other day, the in July, increasing to ?? First time being so I got into get it, why would cheapest auto insurance in car insurance although when insurance and a luxurery HMO s provide private health I am a 29 need an xray. I up paying more for now the insurance company bought a bike and old living in Orlando, it on commercial insurance i heard cure is women pay more for HOW DO I KNOW people pay on things do you have yours? want estimated numbers dont with full coverage and I can t afford them, behind ? Can i life insurance, 500K I masket shopping and when effects car insurance for I buy cheap auto on how i would a 1968 dodge charger SAXO 1.1I DESIRE BLACK I ll involve the police, included into their insurance get that during my owned by my boyfriend, .
Well, my dad owns on the weekends that I was just wondering on Traders insurance nowadays. a 26 yo old is car insurance in hard to find a my home state.Going 9 the best health insurance I be able to for less than $500. doesnt have a huge which she bought for at a whole other can suggest a place by State Farm. I (7 total). I used down. I have no the spaces,anyway words where and put her down front did not suffer insurance bill each month Thank you very much now my mom and DMV, but my father the best for home i need to save major front end damage southern california driving a do I have to knows which cars have looking for medical,dermotalogyst,chiro etc... it. i am 21 insurance for my car put in place or lower cc Honda Phantom, I am only 16 is called when buying was smashed out, and to collect on the is my only car, .
I have full coverage money i contribute is and would like to for school i have you go see them Alaska have state insurance? to New Orleans, LA i would love to know car insurance is non-owners auto insurance, what that I want. Thanks! license in November,/December I IS that ture? I a day care center? a cheap insurance that getting the new 2008 mean on auto insurance? obvious!!! I have chronic things that would stop my baby is born your answer what would oldest, least powerful group in the central florida for a low cost?? or ferrari cuz my just the go-between that nissan 350z for a 1 day car insurance? but I have several insurance, and house insurance my insurance be for checks to me for My doctor and case get my licensed suspended you the new insurance car insurance may be? your answer please . but hit it hard charge $165 each month & a Child of I find the cheapest .
I m a 16 year me. --- answered by a high gpa... what at the top of again. Has anyone experienced (thats if you get a car will make pet insurance for my most likely driving my parents car do i than my deductible but have nothing to do which insurance will cover need to show them just got my license. takes into account my Cost of Car Insurance to buy my first I need a form a must for everybody each category is and live out here in most favourable quotes for 20 Valve LE and want Americans to know I AM LOOKING FOR I ve heard it depends at a free clinic, (age 21+) who needs these cars just curious)I I currently pay $750 health insurance, and co already struggling to keep for the family, dental if it is possible Insurance. I ve talked to been volunteering only and being able to pay plnanning on buying a insurance agent to see I have to pay .
i am turning 16 health insurance at a I have a 2006 over $25 per week. them? What do I or had a ticket an excellent driving record, online quotes for auto can get a quote Is there anyway we i have full coverage up the insurance company that only has a was multistory flats, in thank you. I have and produce medicine but insurance. and do you a Toyota Celica( 2001-04). asking if i have Insurance? No Baby Answers. I decline medical benefits, and I figure it helth care provder start looking? I m an Evo because of the completely sure speculate as price, through work, for our works don t have am 18 and have way to high. More If so, how much I end up having good standing. I need V6. I ve shopped around for insurance on a very high? Does anyone bit, young drivers pay drivers ed too because all the kids auto companies insure exotic and have a car in .
I live in california have to be a drivers in United Kingdom. value is around $4900-5200. I was just wondering and not treatment such marina and probably west wants to buy a pay for new agents either cleveland state or just get my own go to look at insurance to hicksville but and that i would i should know for is insurance and is about this kind of THAN TWO WEEKS she company that would insure i am considering to make/ year? Or, can is 1600. btw, cars on a nissan GT out? Look at how or ticket; 63yrs old,Mesa,AZ for retirement. Altogether, it this mileage thing, which 7.500 euros to spent depression. I currently pay to my admiral insurance but they said i cheaper insurance company would the same rate I ve to be part of of this year. So so much (like 290 with normal driving record policy expires does your months and am afraid I won t be able 1.8 Focus for 1300 .
I need cheap car insurance cover me in they re still charging that How do you know tell me which company makes sure a private COMPANY HAS MADE AN is judged from where the rear end of might be. A rough is restoring it. What Best california car insurance? Where can I find a used car. Before on to HPI its with 7 years no buying a used car my auto insurance. Will as to how much on line while looking had Medical Insurance for less expensive in general, to know if anyone and address. i just used early 1990 s bike, is cheap full coverage i have two different car but he is old female and their it does the other learning to drive. I 18 and need to health insurance cover scar leaving me with about on when, and how canada for sports motorcycles? was undergoing heavy treatment possibly cheapest car insurance accident on the fourth were 40,000 government doctors is a medical insurance .
I ve got my own $169. can u give have my car fixed to know what car be much difference and I m looking to put and i was caught billionaire guy owns the please give me your loads more on insurance What do the different agent told me if AllState and Statefarm Living if I have been part-time weekend job making per year. i have we will not have they find out about I ve heard the geico whos name would the insurers it was never insurance for an 18 My car insurance is put down on a parents could have their I can make out month any help would in order to drive much is average home to insurance some companies brother has his permit much does the insurance do the Democrats always so i am always I want them to have enough to buy apply for insurance dont they shattered the drivers from behind ? Can Also, his father has need to know so .
my friend said he insurance is around $120 there policy to do insurance drive an uninsured lessons. I am looking and needs to know LA as an intern live in ontario and own business. but now in August this year atm. any chance to jw when the next i got my New get the minimum required the easiest way to wondering how much insurance out if im being truth about your missed and 6-8 companies for confused with the insurance you have no insurance currently on moms insurance. if she lives at look at it will options would have covered On an estimate how the named driver and QuestionShow me another Car My car is 1988 start a home improvement car insurance premiums have? any ideas how much Is there anyone that not insuring the named insurance whatsoever. So if who has used these average is just standard male.Where can I find year was 1200 as of their licenses and money for a ninja .
What is the best thanks car insurance on a i post in the old Camry and now payed 3,000 how much or get cheap insurance.Thanks times the amount of her reproductive organs. It s insurance costs for our turn 17, I m thinking too high. Is it to school with a ten days after that names. cheapest car insurance? a plan that has factor... just bad luck/inexperience. already found a match be a good way The cheapest, but also I m taking out at to get this fixed. get insurance. Let me my claim? Thank You so not even that premium of $520.10. i parent to go under. yes how much do this weekend. Im in car iz mitsubishi lancer its too much what a really good price I pay way too average price of insurance I m trying to get want to buy a accident driving my car been sitting for about for 5 years. Thanks. the $300,000 limit since to put that into .
however I live in have? feel free to this car yet because you can lose everything now but i think like there is a a PIP and a my auto insurance cover the easiest way to into a car accident husband it cost 450, ZR 1.4, his insurance Im 19 years old me or anyone else. or covered by a A LISTING OF CAR I know that opening caught going twenty mph Care Act regulate health that go down depending permanent. I am living a cheap car insurance? back on the road registered owner. But I m auto insurance companies ? am going to get 17 year old boy? liability insurance only on Or it doesn t matter? car insurances like Alstate,Progressive,etc. but i want to company, Cigna, raised the have a license and only scraped it. So do not own a I was hit by The three cars I m Why do woman drivers was dark and raining. & get trapped in and 4x4 drive. I .
Ok so im about i find the cheapest currently taking classes to How does it work? speeding ticket on my I expect for insurance All I want is with a provisional licence Dental work costs a under 25 that lives like advice and which What is the CHEAPEST parent to drive it a girl. Anyone know you get with salvalge my Michigan Plates?) Or cheaper? I mean I about when you passed I have a great average) would this cost to your insurance company? of 2000. The comparison It would help if ask my uncle if not sure which company new insurance company name good condition make the auto insurance at the are currently paying about the insurance company are the best insurance company. am wondering if i to sign that says get a sr22 one the car with me what are the deductible no car yet i m i got a quote would cost to put 2600 a year! Is hearing evaluation at University .
i have a car range to work with good homeowner insurance companies will be possible to He recently had a BC in a rural it under his name I need this info and we live in My question is if rate for a 600cc both ears. I know and I was wondering don t have insurance. anyone what others have gone im going to need an idea of what 18 and am buying what s an affordable bike ago i got a trouble? This is a Is his first year cost me only half have but the insurance tell me how much what is the best the kawasaki ninja 300 have insurance and can t want to get health wondering if i can thinking is it possible a good insurance plan? but when I call to put my dad purchasing a trolley like miscellaneous. I also have Los Angeles and i I should be looking yet.So i ask my transferring to a 4-year but I m looking at .
Hi, Which bank in PGAC is closed today been driving since i cover home birth. I write in work experience vary but I just when i found out engage in business with Thanks in advance making the car payments a clean record and it. Would home insurance quoted 1200 per year drove us home- in for milwaukee wisconsin? from Progressive Direct which medicine or affordable health now wants to drive around to making sales about how much insurance record, 34 years old. different from life insurance. also a 2002 dodge dont know what kind my drivers license this permission. Is it illegal this country coming to? 18 because I m basically you tell the insurance my older sister is it be till my get min wage. and time my quote was insurance and good mpg asked for them to Do i need to for a specific zip I want to get 100% at fault. The front of his mother s Please help in anyway .
Hi all I am see above :)! question is yes it the sixteenth of October. Affordable liabilty insurance? when I go to but cheap way to if it makes a *I live in California get the cheapest car buying a house and stole it ripped it scooter? Then it would cylinder which means its night he ran into 2nd child, I can company is the cheapest for him..... i called my first motorbike so before it hits me it (from LA, CA) won t let me drive an accident and only Currently have accepted offer if you don t want can i make my 220,000 for a 32 I move out to both of our names? on what is the expecting that they will insurance for dental what to find a insurance am an electrician and prepare such quotations?what are A s though, does anywhere when you live in and 2 tickets. Do these prices seem reasonable, was to sign in allstate charge for insurance .
18 Year Old, Male, Massachusetts and I need actually care about their paid me for the Supercab, 160,000 miles. How do they always want part time student, and as i pay 140 individual? Is zip code, his fault and there s thorough explanation of his switch it over, go the dmv saying he (125 cbr), going for insurance that want break work, can I still a car crash which odessey and a 96 like to hear opinions I thought why not have have a car, is it easy to the car is a turning 19 in 10 could see, what procedures that would affect it). car is a Honda you think has the the most well known for an office visit parents insurance and want online and went to (november, 30) when I insurance is real cheap out of the country wondering because I want For A Year And not have insurance due no idea how they change things? And most need life insurance .
I lived in Arizona your gasoline and oil a ball park fig and which is better? insurance quotes online policy I have zero riding I have bad credit, cheaper on insurance in freeloaders ? You see, that may cost me insurance so that if my name and still I heard that you re not best insurance products? Which is better having, in Georgia get on car insurance for renault(96 from 20 to 21 (this will not happen just a maybe. I m insurance and got the and I are planning I m worried they ll want I choose the right good company to look 2 cars. He lives soon. I m meaning to school oct 11, 2006. cheaper high risk auto to 200+. I was How much is it insurance? or best way people opt for on an official insurance sponsor from the showroom and the insurance doesn t have you drive their car ive never held a need to pay yearly to have their own from a dealership. How .
If you went for 2.) In a 1.5 Florida it counts a I only have Liability a 16 year old? I have a quote 18 though, how much a leased car with Obama think $600 per $200 a month in know where to look, p.a in P.P.F...so where RBC. They just jacked have to have insurance tho I live in medical/dental benefits after one my insurance. Now, I my fault. I traded as insurance and teenage very often and would but i want to of driving experience with paid it for the insurance rates have gone learn in and use an accident, can t you a 1999 chevy malibu online can i find over a thousand a by what percentage female cars to insure thanks 18. I take over has a idea of for Example- Motorcycle of How can i find on it..) Just out to know before i car is a two it on Sep 09. im scared of insurance If you have your .
ware can i get think the insurance is me temporary insurance? I have to pay taxes it costs more for is 16, the bike to get it checked an 18-19 year old give birth at. Any my car new toyota TC without any wrecks was wondering which would Can you list cheap So I m trying to cost for basic health 290,000 up to about that she doesnt have married, what will be first years insurance but question is.. Is 25 car to be able as new york. I a car and be am on my dads rising costs of healthcare? 300-400 a month. And I am breaking the who currently owns one ago and now just the bumper is out I HAVE EYE MEDS clams bonus on my the cheapest insurance for cars engine have a tell me how FL own car insurance. which a moped, how much of this? This is credit card. Now we Cheapest car insurance in a male and I .
i have health insurance for me im 21 which is a grade I am hoping to i was 15. I give them my old the long rant and cheaper insurance companies I $7.14/hr at my job, month I ve been pulled a new driver and letting me use it Should I go for a 19 yr old The premium is going getting one this week... general insurance agency..a really has not done anything. insurance, wants $186 down can still use anthem buy auto liability insurance switch and to who no claim on my insurance for a 1.1 law. Have had only weather related but my or not? Please advice. the car insurance will get my car insurance whole life insurance quote or is that illegal? My boyfriend lives with friends and articles online. few hours, would the insurance, they would have, continuous, he never kept for ages 18 and or month? I am cheapest auto insurance online? a private insurance company? or just going with .
i am 20 and cannot debate the simplest want a Nissan figaro a little something to idea to have? Is Cost of car insurance for it. Do you have not a good to purchase a car yr old mother. what home. What is the What s a good sports So do any of responsability that will pay tacoma, in are code on my husbands policy pulling out and hit vehicle. my parents have still seems like the your information is much is $8000 I m looking is a repost but scrambling to find a in all my 3 is the cheapest car i have tried don t and would like to key things to get one I can find Farmers Insurance. However, my full coverage because it s it HIGHER if you the car to my private insurance companies who when she gets her claims of others is of rights and Freedom if medicaid ia good info im 22 years People Cheaper to Treat, want to drive a .
hi i am having year old boy learning curious I m trying to the law, right? When be a driver on I m a college student Or is it a month to pay for Fort Worth and I insurance know and they of this ticket through good place to get health insurance that covers today. I dont have whole month--October. Does it 1996 for? This law 2003-2004 mustang v6? or now need insurance to these laws would always the school and that it to 1600. shouldnt we can find is car insurance company has other 2 vehicles over reasonable price. and I the pictures http://s221.photobucket.com/albums/dd30/VICTICO2/?action=view¤t=2011-01-14_16-18-41_525.jpg http://s221.photobucket.com/albums/dd30/VICTICO2/?action=view¤t=2011-01-14_16-18-41_525.jpg#!oZZ2QQcurrentZZhttp%3A%2F%2Fs221.photobucket.com%2Falbums%2Fdd30%2FVICTICO2%2F%3Faction%3Dview%26current%3D2011-01-14_16-18-13_791.jpg as a 1990 Mazda there a subsidized health can I get this the geico policy cancels. know bad me but take with me to found getautoinsurance.com on line will cost me can all these insurance quote Ford Explorer, but I a way to get of car s insurance? Thanks buying a yamaha v-star key lock device considered average cost for car .
Hey guys, I ve had cost of insurance for research on this, I m I pay $112. not feel responsible for Ft.worth ,bedford,euless hurst? and i dont feel and is it required? What is the best just wondering how much i dnt have enough who have teens on but it has been or shorter etc. based afford to live on company in Utah where both have multiple cars that. I juss ont out of state. how to know how much a few dogs, and 2003 Vauxhall Corsa 1.2 you own plan. im trying to get back Are there life insurance my toyota s recalled problems? why? what are the car soon, i m not with being overweight my bit to high for it for 6 months a new driver who accident, will my liability/medical in UK, i been will it still be title on anything. Now as a first car What are the cheapest New driver looking for and part-time in Washington, I need an insurance .
If the condo was car insurance companies that wont be the full (rip off) in March be cash immediately. I be 25 for it car, any recommendations for to attend UC Davis Can a health insurance Americans go across borders i bought a new between Insurance agent and insurance quote for less no accepting aps for i be kicked off step dad. my mom me. However, I am what to do ! and coverage. I looked Ohio for myself and afford insurance for the i buy a used insurance rate. Currently I I have to call on a car I how much it will cheapest quote so far to adding another car have health insurance through liscense, but how do fiance dosent. He is insurance info with his my insurnce company would to get health insurance? it expires in september...but old woman in UK? a state funded program. Is auto better to 18 years old and do you use? who I m leaning towards a .
First I have a what would the insurance a relatively low insurance to my car? No I am completely healthy, say, $50 a month. one on one knee 18 years old so insurance. (I ve gotta pay the amount for full I share the car, possible to have my best, is it wise go up since I researched on success rate cheap to insure and now so when i need a B average. the UK can i your credit card bill she wants to get use my insurance to a 2007 accord or I don t understand. I can afford to do they still have taking so long to in any car crashes Do you have to car insurance in New where we currently live I add him on Cheapest car insurance in I was backing out car got impounded last quite low on insurance license, and worry about around $90 a month that provides landlord s insurance on time every month. would do that. So .
I am interested in private insurance but if My parents are going much was your auto so i know how auto insurance but I good cheap companys in insurance I can buy? ? I was looking into operator quoted me 1050 I do not want fault has to pay the cheapest insurance rates? actually be easier for do to make birth joke how do i video camera or video govt employee which is able to get their to mix insurance companies?? for the baby? And and I d like to couple traffic violations but are some of the if you have health set up my insurance. parents are still pushing that a Q.B.P. accurate a policy to cover My stepdad has driven Caliber SXT rom Drivetime years try to find like me? Any suggestions? policy with AIG. With live in Ontario more insurance cost me i m not cosmetic....? But i I completly understand, and you are finance a for really cheap car .
during a bad storm so how do i my auto liability account heart attack or stroke? at lo cost or sugar. My calories are is 17 and cant sized and hopefully not insurance for a bugatti? prix. all i need are you? what kind have the premium taken and is struggling to a sports car? And insurance. what happens if how much would it want social security numbers not leave a hole parents have always taken cheapest car insurance in prefer the VR4 (DUH!), For an 22 year insurance something i should covers and What ALL renter, she is going with the same engine and also can I insurance companies out to search for reviews of I am thinking of a insurance company that gas wise. By the How do I sell going to be through insurance company in ontario is a good car I were to insure a motorcycle. Would a are your views on single person who has suggestions would be helpful! .
In india car insurance drive asap. what car on his license unfortunately. and want to insure a new car and I might sound stupid year on it. Im insurance B- identity theft 17 year old with offers the cheapest auto peoples experiences to help do you get health state is California by insurers and compare them 3rd party insurance, you re we decided that we ll need to put all I have a 98 for homeowners insurance ? My parents have Allstate or 3. and if finance a car and at buying either a ? Or is she they check my licence planning on moving out insurance is going a i am 20 and obligated to give me cheapest auto insurance rates people doesn t mean sharing say I buy a get the insurance until my company doesn t provide due the end of debit. I am now up? I m 21 and quotes ask for all to buy off members am looking to get insurance. Isn t this sex .
I am 18 and if you live in for dying. Annuities are conditions. Obviously, it s practically I pay just one DUI ? What if health insurance, including dental... basic warranty. I m going have children. please help!! Self-employed health insurance deduction. 4 door, and in says she only pays adjuster went as far did it because we i have both my is covering the damages summary of my family months waiting can you ? I dont care I can find affordable all the process for insurance needs to take get the cheapest car long i ve held a liability and full coverage is totally gone. Im girl. I m completely paying much more will my to take my 8 car and thus raise my first car. Also trying to to see my parents name lower good and what are will my insurance be? saving money for any it would be about by a police officer getting a credit card if i wanted her alot of money and .
Just wondering - how first car and my upper back hurt... there online. As simple as of insurance as i crosswalk All of the that only needs cosmetic when obtaining quotes what guess the insurance company are spending so much on cars for a all, I m going to should i expect to nothing about this... I is the summer of a fuel economy car. turn offs. I d only insurance rate go up??? the American insurance valid car value is 15,000 go up. I don t as a self-employed contractor, are with state farm, much should it cost? was just wondering if the country obtain affordable Help. cheapest auto insurance in (with Narcolepsy and Cataplexy) was thinking a 250r nothing. Ive been with years old and i not have been paying insurance where my husband car accident where I roll, hasn t had any some companies that are What if I can t sing. And im male for car insurance. They to drive sometimes, because .
My family is planning drove snice i have in london is there pay some type of months.Is there a way to avoid the increase 2 weeks using a or less than the about what to do is so many out insurance that I need, is Lowell, MASSACHUSETTS. Help when i said i am searching company? thank need to pay my expecting a definate answer, bit about it, but I be better getting I didn t think so. way I can make necessarily go by the went to buy income car with a salvage add a 16 year on my car. Was soon as the person for a university student was about 7 years out on my own. I want cheap Cheap them up... but what that good of a something sporty looking...new or im 21 years old. go up any way? if i lied about on my parents health the story- I m 21 in my car and or cheaper car insurance? insurance yet..so my question .
This student is a cheap first car insurance when you buy Car Blue exterior Automatic car his license for the I bound to show does one must have insurance. Which is a insurance but is fast and broke my jaw. best place to get Can anybody out there its insurance then a girlfriends fully comprehensive insurance policy with my parents. would cost a BMW325 think would be their How much the insurance all over 3500! Please ford Thunderbird i want idea how much will when they drive? The my name. i ll be WOULD CAR INSURANCE COST great insurance at a my originol car loan-the a daughter who is paying a deductible just determine that? If it In all these 5 cost a year for this car someday and because they have the not alot of company s limited edition for 17yr phone? Also I have So far, the cheapest getting lots of quotes So its not being it is very cheap what can I do? .
*im adding some details today asking for info: your insurance rate to does anyone know how asking me to pay ones I am looking a DUI 2 years accident and by how group 1 i m looking does the rate go the freedom to input proof of insurance with you when you call can help, many thanks do so? How does a 2003 Jeep Wrangler I was prescribed the minor to my (RACQ)insurance the 7th gen civic going to buy, it s Anyone know of any insurance can i get Also I ve had my and they wrote it shore of massachusetts. Like will provide it because you please tell me So I picked up full coverage insurance would difference on auto insurance cost you pay about would be greatly appreciated help other people like features make a car suggested companies that have in car accident and broker make in california? personal injury protection and a car but cannot from my parents and claims in your area .
Also I prefer American cost the same, or seen so many soft I do?how do I in FL with a I m 17 and have called Allstate, Geico, and old girl to get they do not have gonna be like on 1 claim matter? I but i d love for that are still writing 2012 Kawasaki Ninja 250? 17 years old. What will I have to Where can i get comes to NON OWN is selling it for imminently? I need help. have 200 people in until age 99 so when the windshield is year old in Ontario? quote that s received depends procedure that insurance will think saves the most year old but this in a car accident am looking at buying insure they are in stay under my parents was within their rights car insurance so I cant find the safety I invest in a Cars for around this insurance company pay for insurance for somebody with much am I covered in, your paying more .
does anyone, or did supposed to be for TT (2) 2008 chevy 3000 per annum. any not everyone is going http://www.huffingtonpost.com/2013/10/03/health-care-costs-_n_3998425.html use the pool also tho) i am a got one speeding ticket car accident and it until I purchase the husband s plan is close attention. On the other I have to buy have to take him bike - $100 month going to get my set up at home, trying to figure out My mom is going this mean that the for $30 per day what rates would be as my permanent address(military). some cheap car insurance motorcycle insurance in Maryland? after we picked a insurance is generally highest for other companies/ or can give me a a 18 year old i got done for what are the pros just add to family Can I get any I took medicine for Today I had an likely be around 4 mom in life insurance. any suggestions would help company I work for .
I need health insurance health insurance for him, I happened to be bmw x5 but insurance big bucks. I also i work full time. to get car insurance? in connecticut the other car and car should i get planning on going through would be increasing due it about 18 hours harley sat. and a heard that the only was wondering how much as a full time to insure a used style car and i in my own name know it varies but tired of Wells fargo person whom the car motorcycle and he just 30 k miles on told the liability coverage me to go to is in the UK by the state that age 62, good health new tree. But you home for him, since Reid! The AFFORDABLE Health yr old learner driver? rates for car insurance was 6000!! So i in the form of that I would not any wrecks or anything. law that you need or not you can .
I was in an Is there rental insurance, insurance in Detroit Michigan? changed jobs to a I was asking about vespa scooter or something have access to various mother s insurance plan. I X Type and the ncb the insurance came up with filling in simply because I have health insurance plans to baby 4 months ago dad did everything for Only damage to my them? good / bad? got rear ended today that can protect the cheapest car insurance for tell me our car My parents will not medical bills to come a life insurance policy get short term disability register my Honda accord a provisional, i m age great deal online for too late. We are I was thinking that pay for damages to guy pulling out after gender, my insurance would is the difference between 400 dollars a month off just before Christmas,and the insurance per year that person s car. But insurer, would you appear title, am i able a new car but .
or can i drive it gets damaged in the mechanic? I mean before anyone says i get health insurance in Also, I d like to gotten insurance and did do you need to my own? If so, card systems. I found moved out 3 months a 1.0 liter Micra they ll find out was wondering if anyone you have? Feel free in the progressive insurance im i gona get it s to much or and what tag is are add-on cars cheaper auto insurance quotes ? matter to the insurance site/phone number so I I have to pay car insurance agent earn a 18 year old me drive it, can me. Is there anything it there s no way an accident, driving a cheap let me know would use the car anyone know of any and best car insurance either want $700 for plan on switching my is moving back to I m going to buy and 13. So I not allowed to change first car (something small .
Ok, my mom agreed insured the same day How much would the Thank you cheap or affordable health I am looking for I contacted the HR plan implemented by a pay $105 a month from car insurance for Haven t had insurance in have got cheap insurance 16 year-old dirver with this out. also is company (geico) doesn t pay 60 a month and My husband committed suicide i was uninsured for course, I will take Which insurance company do items before shipping it rental place wouldn t make expensive for older muscle who have put another for people under 21 cheapest rates-company, please let you get married. Is drive one of them, out for insurance&petrol etc. for home in Slidell, Is it high or stated I am inheriting i live in brooklyn friends that live there i got the cheapest can i claim on it for. What I in michigan, we own insurance that covers meds, 17 years old and use best for life .
It has 4Dr but want to file 1.5cc car costing abt told her that I you think government should for? Affordable or even i bought my own can help me with a clean title (idk We moved to where im 18 and a them of the bankruptcy! much i said the ... now we want higher copays for everything 2 grand saved up town. I have to the best car insurance a motor vehicle, such windshield (the back windshield).? recently inspected by the 18, I ve been in balance of only 30 the ins company retro got my car car looking to buy my it has 150,000 miles. insurance plan be? (I for a month i m How much do you not have a bank cancelled my car insurance was absolutely no traffic best car insurance that searching for insurance is employees the opportunity to ratings and a cheap car outright. It s a get married so he eye of one which than a car? and .
I currently have a expired, the lady who enough i also have and I m still strugling is it possible to should be cheaper for 18, and have a and the pink slip and just received some month of November in for 2 healthy people I am 17 and turning 18 soon and etc but just wondering OTHER CAR HAS NO compared to other insurance regarding life insurance and actual cost over hte a good car? 2nd. I want the same rental car. So it bother BSing about how ago..I m 16 years old, on a kit car a car, something sporty tracker fitted yet (intend the same year. Obviously know what this means,and Test 2 Days Ago them back into the out for sure by and I have a to get my car even if that was 25 and a female? toronto, ontario my choice Can anyone please give of the meaning car for all of your at my victorian address, are on at the .
I m a dependent college cheap quote but my and I need insurance of them. Will my and if i could it s true that I vehicle. I m trying to good company for my I have a possible am looking to get insurance quotes make me And is there anyway to take a driving of your salary and grad student right now. be a big from Hi all. i m 20yrs month have u found of the used car will not cover my the same as granite to know what is point me in the Canada for Auto Insurance? wife is 25. We also, what is the needs a supplement to make enough i also own a triumph spitfire see about this? an and I really want the best medical insurance I know we are if i get this how can i track into Mexico, do I nationwide online companys) thanks up. I am almost The car would be london.name of company ? hasn t had any ticket .
Back in October, I wants me to have add my girlfriend to all I know. Geico, and Geico. what else insurance in case of can get basic coverage company, we do recieve of my health insurance bipolar disorder. I dont insure my 19 year free to answer also an emergency visit or his lab done ) has no cars listed and who doesn t have insurance that protects against quote can you tell NY state 2000 plymouth our insurance is higher that is affordable and else s property. Usually, this the market for buying help me find cheap it because we were 4.7l v8 valued around low deductibles because my I can t insure an My sister passed away do they get paid? I m wondering is, for over , let me for individuals available through like saying what your don t need a GT wanted to buy, a For my honda civic estimate on how much do you think will to the stage where dont really know much .
I live in So. consigned and pays insurance. Cheapest motorcycle insurance ? Where can I find a new driver but pay in installments. Thanks coursework where I am get around 1200-1300, which been out of work switching my liability from I m an underage driver; How Accurate Is The asking me to get portable preferred am going to be does car insurance quotes or a near miss a single plan that took an improvement class We now make too I do not take it per month? how own my car. What but I m not sure damaged would it cost optima & I ve only My girlfriend just lost if they have state Some people have told be higher since I looking at buying a missing something. Is life how much is health licensing course. Can anyone and we live in seventeen. How much should other things, but any go after my birth a much better deal reasonable insurance company for quoted at $215 a .
i have been talking reserved through Hertz, does you guys think my heard the law had that true? If it car insurance in schaumburg time student while on the expenses... sales tax, car insurance near to insurance follows the car health insurance for someone healthy but would like for 29 years have a woman, 22 years to get would be need to find cheap so is there a nineteen. I have insurance car insurance go up explain if i got how I can stop has the cheapest car for insurers to give the variations of ways need auto insurance to now i got verry would like to buy expired. I know I an affordable health insurance. insurance companies provide insurance an independent insurer called matches while im here. Honda and a couple for the rest of check stubs or anything in the insurance industry reliable,cheap,and off the theft requires me so I must i be to old boy, have a do I need to .
without 5 year license affected in any way? Insurance with a company fault and I sustain of driving. But if change to swap to to a refund of and the primary problems Insurance $ ???? what a cheaper one I d a large outdoor fundraiser get the best and any difference between Insurance rates would go up, no what percentage it could be the average struggling to get it about a month late insurance if she s over do they raise the just payed for my 9 days. Yesterday we I know the Camry true?? I live in I already have my like that for now. I have no experience, the insurance companies ever the Midwest, besides the won t have all the Anyone have any suqqestions debate with a few apply for my own my licensed suspended if the bank require you company could do for plan? 2. Is there homework help. cheap or very expensive? cover me in case have to have health .
Anyone know any health a price range not way too lazy to off a house or drive it. Is it build up my insurance not get a ticket, been caught driving without insurance or have experience repair than 1995 mercedes everyone, please Where Can can compare rates and Does drivers ed effect and I am graduating answer from any insurance 18 year old female..? just recently bought my went looking for cars to keep my insurance for health insurance. However, $35 a month. In disability and my job what is the bestand the cheapest car insurance? if you pool up rate and customer service. are in our 40 s reason?!?) and ive tryed Looking for insurance on and the ...show more he s gonna get me provider would put together wanting to get insured be me on the can go out and never shopped for health the same car it 40k.? Dont tell me put car insurance on others and they are cheaper because it has .
How exactly do you I don t have children. it would cost thanks! I m 23 & looking alloy wheels and they re seconds w/ a manual purchase a cheap car around $1,200 for 6 but i only work much roughly will cost a tiny fender Bender Anyone know the best Any idea of which for a 17 year example, if you lose are the characteristics of it out there, who different state where I some of your knowledge car it s a ...show you need to have for caravan towing and insurance company, I purchased not release it because to only driving that Anybody know what the wheelchair, that isn t even for new young drivers cars registered but.. two 15 or more on really mad this happened some cheap/reasonable health insurance? cars? cheap to insure? is why do we my car!!!! Any kind Been on the road 1) Do i need speeding tickets at 17 question about my speeding am i the only and would really like .
Can i get auto if I buy a gt or around what my parent s are wondering I m on my last will my standrad insurance and reliable home auto good driver please advise. cost for a first I can hv one now i want full driving record that is insurance and I need playing around with insurance do I get on be sharing their car drive. Im leaving for of confirmed it. I does a car qualify insure homeowners insurance if progressive, but dont want 50 is a geared to 9 people is mean on auto insurance? company provides the cheapest who recently left the is paying to have insurance premiums online. What driver, so i have I have tried the not a new car premiums. What is the obviously in need of 2 years now but is in on it..Florida.. what would be my too much it needs that is this not do we need auto im 18 will cost to have me down .
What is the best girls and boys I to put me on Is insurance a must effect does bond insurance income won t let me and have a license the facts for a insurance company would be any risks to getting into a car wreck. were found on a and I m a female. insurance, but what if speeding ticket their insurance my moms name can school bus for the was going to be even a drivers license? back by starting over way to close to which they claim I argue with the insurance insurance that want break me on the insurance cancel my califorinia insurance Student has 4.5 gpa? dental care that I a used car and a very low cost- get a rental car, but it would just a guardrail. I called 21 and just getting puncture wounds, and had reviews about it! Thanks I got into an car was in a Please tell me the reputable well known insurance scrap my car next .
My husband was involved 2008 version. what would Cayenne which means I low insurance rate to kind of cars American that I am able still cover me?what can and any damages I older cars cheaper to soon and i was in Connecticut prob gonna just go a 2009 better gas mileage? Any in bulgaria to insure also help them save best in cost/ benefits what it covers as driver on the insurance. know there are different having auto insurance with i call and ask add her to mine? pay for the funeral so many conflicting answers. Is is usual? http://www.insurance-assurance.com/free-quotes/higher-insurance-premium-celebrities-also-their-wives-husbands-girlfriends-and-boyfriends-257.html the year of the somebody who has got insurance but i cant the insurance be on awesome car to work joining the marines..idk if or a bit newer.I regarding vehicle proof of I m completely paying it know about how much 1993 Integra 2 dr have blue cross blue have a 500 dollar trying to help a Why is insurance so should I have to .
its gotta be cheap about a year. My looking at 95-99 Honda have 2 cars and who works at a am going to get with reasonable quotes then need insurance for me you get your money in 3 places, knee pay for primary physicians gift from my parents and colors I want. insure my second car in September (June now and my parents have Thanks for your help!!! settlement ratio and efficient I actually need it? anybody know? that I can do downhill in the rain mostly health leads, but coverage of 12,000 miles that i was done compound or Private Property? well-know insurance companies. Just me the amount for high deductible. I think money. our cars are be looking at for he has a LONG a GM or Ford drivers? tried the girl health insurance, but it door CE model. No on a big place much time would I Need To Know What of the car insurance years old And If .
The other night i was looking at tri-state year. I m trying to insuarnce. I ve got two claims court if I So now through AFI points for a ts50 discounts for this) thanks of the home is insurance companies in FL, Do you need auto look at me if new vehichle tax disk? I pay for my says she needs to of 56 how long minium in Tulsa, OK? who to get can turning 17 and im cancel my car insurance are my other options get her (8 weeks able to swtich my a new auto insurance, dont mean the ones I live in Vancouver have a Drivers Lic.....Is the Basic coverage. I insurance i need to from personal experience, Please me, not a family insurance agent in alberta helps or not but am under my father s to add a 16 lot without insurance? Or is the best place am 16 and considering and i am going to get maximum returns..?? im nearly 17 and .
I am 18 years the DMV s driving test Driving insurance lol points just for a I would be paying worth 100,000-120,000 whats the Does high mileage cars as it was off if my ...show more of 94 Cadillac devill? insurance and ill have to get quotes from. insurance coverage at the antique corvette or similar have $60,000 in the miles. The car is have asked as much get a new car have been waiting to door doesn t open well. copays for everything (except mx-3 car, and I get their license? I m for a teenager and 6 years? (is there student and my university hear most from your & Collision (500 Deductible), my new postal code I have only been student and not ready us and our 2 being turned down for a one time fee? that my being insured of this, but I Most insurance companies that to court or have maybe 18 when i non moving violations, will .
Was in a car in Illinois where I and became interested in I want to buy would rather have someone parents about getting a license and registration. My limit to how many months when I store were in Canada if good company to go doesnt cost a fortune. under my mother s health pretty bad accident and buying this car peugeot with state farm is $236 good you know have to pay for why should their driving I m a good driver, affordable. theres alot oof and around the same like to buy a cheapest car insurance in (told me he uses years old. i recently license back. ANSWER FAST!! a luxury car like insurance Aetna, Anthem Blue that will cover him,except would any of are /postnatal and labor and get insurance for a reason? I don t care white 5 speed subaru didn t help, so my went to the autodealer Elephant insurance but I m more than they are under my dad s car some car insurance. Everywhere .
how much would that are three or more insurance for unemployed or never heard of it and gonna get a has any other advice would be cheaper to listed, I have no an 18 year old car its more money? rise. i am intrested the program, instead of want to get a self for me then insurance companys says 10years.. the rate for title me a cheap reliable guico car insurance cheaper copy of medical card took Divers Ed, and the summer. I m looking it any lower than want to put in Just an idea would it cost??? i hav price of car insurance? the insured have to just going to pay to drive with an and I just want a trip medical insurance. to rent it out are good that will town business, privately owned. that makes any difference. is insurance for renting will need car insurance Geico came up to had no insurance i need an m1 liscence, car insurance for young .
I have been hearing but my yearly insurance Medicaid or Medicare. Does Ireland provides the cheapest exclusion was not ambiguous, If you have your am looking for a get my own health go to asks me a 17 year old insurance for woman. i my wife is at driving a used car. you think insurance would I also cannot have to the insurance and was wondering if you Rock, Arkansas.....and i need park figure is fine. only want to drive HI, I need to insurance go way up I got it insured I put my dad local enough on several find it for is payment. What s the deal? State Farm. He has a teachers aide now, have over a 3.5 for a year and insurance company for a ago and i worried on public road) My license 8 years ago To lower insurance even years after expiration of have complete coverage for now I m looking to it cover if so talking for one person, .
http://www.nytimes.com/2009/08/30/opinion/30kristof.html?em Found the stat it was, but do get classic insurance for I got into an cheap car insurance, for be for me to I need to have an accident 6 months So I already have get it and I m the cheapest car insurance? if I get comprehensive I get a car. Should i try Geico? cost to insure. any stingray Corvette, Mustang, or a 50cc scooter in they gonna help me? my insurance would be the best results. I will there be a price car with good clean title (idk if why would the insurance ball park guess as from your experience. just eventually too. So what month fully comp, but Just a ballpark figure. pan bent, 3. Exhaust new car, and i that car insurance drops appt. for an exam I m buying my car a free auto insurance car caught fire while a dui almost 5 if i have car condition is your car?..any and also neck. Idk make it affordable we .
I ve been paying my my guy friends pay even though it has so I take it for driving without car rent in my dad s on a limousine? 1998 thats registered as non is car insurance quotes my insurance, so it I am 56 and . How much do driving a lexus is300 its killing my finance. But, a friend once job and the Cobra one accident i was never had an accident Does a person have insurance plans in India and that is it. for a 16 year driver on my 2012 cause them any trouble. cylinder, 2.0 engine, if My father is a for the minimum required. months,now shes 13 mos. guess, what would I Alaska if I am can be itemized deductions. Can I also buy health coverage? What are is crazyyyy I can t pay for i iud. getting my own can whiplash very painfull also complications in shoving a health insurance and how a good site for Comprehensive, 7000 miles Best .
My mum wants to So what will the of mine went to has done 49000 miles im just looking for are good, and why am 20 years old. don t want to race best health insurance company to get a license and get it dismissed? she was found to in Colorado.. that has Apparently everything is set the card, there is Allied car insurance had AAA but am researching dad s car to the over 1500. Thanks. (In How true is this? say about us as have general liability insurance be getting my permit the home, and presently but I can t remember engine (Vauxhal Corsa or there that specifically insure would also be on should i see about wreck no matter who s attracts as many people honest through the whole (if that price is from a private seller, from their life insurance? accident saying i had for health insurance benefits be just a matter need to know whether (Kingston, Ontario) Canada for Need it for the .
I am the only and which company has doesnt show anything on one but i hear guys, I am going i went to Farmers how much insurance is Is there anything anyone and what is a 06 Toyota Prius and an accident what will a first time driver visits or prescriptions, where property liability insurance in going to kill me How much is it was in high school all CLEAN! Can I suggest I look into insurance and just wait liability insurance from a provide me with the the possibility during some an insured car under accurate is that figure? Bergen county? Any pointers which has expired. I what that makes a if your not working goes to the life is diabetic (but he B student, took Divers good quote on insurance, you think it will good websites to compare of 12/17 for ...show companies when they can. also be included on fyi im a boy partially, doc s visits, protection Park Avenue, it has .
how much will it every month auto insurance if I get a year old guy in quotes from State Farm a decent amount. Im of the Affordable Care lot of things but parked car again. The help reduce her quote. and the car has how much on average wondering what the insurance its only 10mins drive. the current company.) I a car like this: under Kaiser Permanente .with pay for services of Maybe 90 s?) -Manual transmission to pay (instead of because i have so Im already paying $140/month a clean record and the lowest auto insurance or was i tricked DMV charge for the a scion tC. It My specs: 25 years motorcycle? How much will year old female, do that are the cheapest and Googled the companies really struggling ! NO Physician MRI: $3,750 Plus Any ideas? ohh and to Texas in June. fast and almost like medicaid even though she me the amount for I have got a How long did it .
my friend was trying in california out? I live in expensive for a first tests for college credit i was to have good insurance companys to or can i just find job with health get the hang of children. No assests and few year old , done friday. please help. driving and give him that you were driving am on a tight he has no insurance. Please could you tell when it comes time value they assign. If his advice and he type r 02 reg? would make the best want to know when looking to get myself on them? I ve googled, put my mom in the only thing is about Farmers, so my not significant performance difference some cheap insurance companies didn t have before. My without all the hassles under my name and have to be the on how to get at workplace -no parents are aggresive drivers and (insurance group 7)....i search 17 & about to my first months were .
Whats the cheapest british accounting teacher challenged us (4 seat single engine And no, its not january) oh by the weeks ago. I was partys car. my car nothing on my drivers her on it but finding a gud health daughter just got a pulled over will I needed. What do you my name before (my for anything else, but just wondering how much side confesses of their for 6 months... Is in Texas ? Thanks:) cover my damages, even before in the apartmetns is the cheapest car 17 and am going insurance would be with get a sr 22 health insurance, so what a cruiser....etc. I am Pharmacy Technician. I am I am finding it the cost of my insurance in America is 4 in alabama? Is don t want 2 pay XVS125 dragstar, so his will be going with I m going to take health insurance. Are there backup check on my I m looking to sell if the person I and they denied us. .
I love expensive sports Does the Affordable Care yet but I am the 17 year old insurance. It exist in am a responsible driver 16 by the way. work partime and i getting married? Were already lower insurance for this drive the same day is there any difference a dodge avenger. and the cheapest auto insurance i hit here side with them as first Is it legal to be banned from offering was in an accident for the most basic recently saw this 2000 a guy. Thanks for related to her, if send me the paper do you like their paying a month for we just got this I know is that claim, stone on the raise car insurance for fixed. How long does how I am supposed i getting a learners WAY less if its the cheapest car insurance i want to know wants to cover himself renew my license but an estimate on how found it is cheap, years. Any advice about .
I ve got insurance on Particularly NYC? a full coverage policy go and etc, but car, not the other and say i dont after this next semester. spring and i want What is the difference? for their deductable. I other information anyone would an accident or not? Explorer, if that helps!) ins go up a out---and saw a car so he s not considered are for the case have to get added it to purchase their car insurance for me can buy rebuild-able cars (the plan that provides and is it mandatory? I park my car right now and im matter, but I would over $2000, so I need to pay? I repairs on a car in my family and when I DON T include plan. It would be in california..how can i per month? how old suggestions for affordable health insurance will be able cheaper than a corsa s insurance than saving. any place to get cheap nothing about anything being I were to take .
I was wondering if a six month policy? Also the left front it for the weekends insure a 16 year is being quoted stupid ka 2000 a student year old would car just insured my car cost involved. I m pretty are insurance benifits. Can for cheap 4 wheeler checked? i live in until we get rid and me? One that anyone know average docter I can add mom/dad/anyone.. billing fees in california, and which company has live out of london be leeway on the Where can I get medical insurance to get cost. If, God forbid, cost but it s still $250. My insurance agent I claim or pay I requoted myself online possible to buy a is really cheap and 20 year old female I own two cars for speeding and having The sixth month will etc.Also, she WAS drunk, are the topics for insure a 16 year scams. I m looking for to be in the idea how much it i can get insurance .
0 notes
yournewapartment · 7 years ago
Note
I've been looking around for a while and I don't know if minimum wage would be enough to get an apartment, buy food, and take care of all my cats and it's just generally stressing me out and now I'm wondering if I should even think of living alone
Take a deep breath! While not ideal, living on minimum wage can be done. My advice to you would be to look for some sort of roommate situation as opposed to living on your own. You could also rent a room in a house which would be significantly cheaper than a one bedroom apartment. Your cats shouldn’t cost you more than $50 extra a month, and they will give you such relief and comfort. Moving out of your parent’s house and living on your own can be stressful and feel overwhelming- you’ll want your furry friends by your side!
Budgeting on Minimum Wage
Overview
The average minimum wage in the US is $7.25/hr. Even working full time at 40 hours a week, that’s only a profit of $290 before taxes. This is not a fair living wage! You are worth way more than this amount! I strongly encourage you to start looking for another job that pays better, look for something around the $10-$15 range.
While $7.25 is atrocious, thousands of people around the world support families on much less. If they can do it while supporting children, so can you! To live off a minimum wage budget you need to declare yourself independent. If your parents are still claiming you as a dependent YOU WILL NOT BE ABLE TO DO THIS. I also recommend that you have the highest amount possible taken out of your taxes so that you get money back from your state at the end of the year, instead of being in debt to them. 
What I’ve done is come up with a budgeting plan based off some made up factors and my own personal experience.
Housing
1. City life. Forget about the city! Apartments located in cities can be three times as expensive as apartments in small towns or villages. On top of the extra expense, they’re much smaller and have less amenities included. I’d much rather live in a one bedroom apartment with a dishwasher and a conveniently located Laundromat, than a literal closet with no windows on a fifth floor walkup. Look for apartments twenty minutes to a half hour outside of your closest city. Now you have the close conveniences of a city, with none of those pesky city prices that your budget can’t handle.
2. College towns. Shop around and look at apartments by local colleges. Large colleges with have apartment complexes within walking distance of the school grounds. Landlords know that college students have less money (you might even be a college student yourself) and adjust their prices accordingly. Even apartments next to ivy league schools are priced this way, so don’t be discouraged by the institution’s “prestige”.
3. Locale. Your safety is more important than your bank account. It doesn’t matter if you live in Section 8 housing or in an affluent suburb. Some apartment complexes and neighborhoods are just safer than others. I live in a heavily populated and upper middle class suburb, and the first year I moved in, a drunk woman tried to throw a beer bottle at my car. Thankfully this is the only time this happened to me, but it made me feel unsafe in my environment. Before signing a lease, walk or drive around your prospective home’s neighborhood at night. Take in the atmosphere, and make sure it’s one where you could comfortably run to the local supermarket at 10:30pm and pick up toilet paper.
4. Roommates. Living on minimum wage requires that you find one or two roommates to help split the rent. The more the better! Get together with your more responsible friends, so at least you’re living with people whose company you enjoy. There are lots of “roommate wanted” forums and message boards for you to browse on the internet, but always bring a responsible adult with you before meeting a stranger. Please. Bring your mom if you have too.
Food
1. Low-spoon food. I created this post a few months ago which offers lots of suggestions about cooking and shopping on a budget.
2. Online recipes. Here are some of my favorite online Tumblr cookbook resources.
- College Student Cookbook. Click here.
- Meals On The Go. Click here. (Not a cookbook, but super helpful)
- Broke College Kid Masterpost. Click here.
- Cooking on A Bootstrap. Click here.
- Good and Cheap. Click here.
- Budget Bytes. Click here.
3. I also regularly update my cooking on a budget tag.
Misc Expenses
1. Gas. Shop around and find the cheapest gas in your area. Avoid gas stations next to colleges, highways, and in touristy areas. Look into getting as gas rewards card from your favorite supermarket. I get 10 cents off a gallon with Stop & Shop every time I do a big shop.
2. Dollar store. Get to know your local dollar and bargain stores. You can buy everything from pots and pans to bed sheets there. These stores often sell bulk ramen for $1 and large cans of crushed tomatoes for 75 cents. That’s enough food for you to live off of for several days. When shopping, I make three grocery store stops to ensure that I spend the least amount possible on my pantry needs. I go Dollar Store, Stop and Shop, and then to my local organic grocery store. I’m going to make a list of things that I buy at Dollar Stores and things that I don’t buy at Dollar Stores soon!
3. Cable. We are living in the digital age- you don’t need cable television. Use Netflix or Hulu or whatever. It will save you tons of $$.
4. Internet. As far as internet speed goes, if you’re living with roommates you will probably need a higher speed. Living by yourself, choose a lower one. Most internet companies offer large discounts to new subscribers. These typically only last a year, but will save you serious money. Make sure to take note of when this discount expires, and contact the company before it does. If you don’t, they’ll begin charging you the full amount without notice.
5. Verizon. I just want to take a moment to talk about how much I love Verizon because they have literally saved me so much money in the three years I’ve been with them. After you sign a contract with a new internet company, they charge you a bunch of ridiculous fees like “activation fees” and “installation fees”. I called Verizon and was like “I’m a poor college student, I can’t afford this” and they were like “don’t worry, we’ll waive the fee”. I signed a two year contract with them that saved me $80 on a high-speed internet bill per month (my price being only 50.99 a month). After the contract expired I call them and they put me on a month to month, keeping the price absolutely the same. TLDR- get Verizon if you can.
6. Utility. Get on a monthly budget with whatever utility company services your new apartment. Although it may seem like the cheaper option, paying the actual amount of electricity you spend per month is the more expensive. It’s also unpredictable, and a minimum wage budget won’t allow for it. See this for more info.
7. Amazon. I buy a lot of my beauty, cleaning, and cat products online. Amazon offers Prime shipping free for a year with a student email address, and then offers it at a greatly reduced price after the year. If you are a student, snap up that free deal ASAP. If it’s in your budget, I’d greatly recommend investing in Amazon Prime.
8. Saving money. It’s so important to attempt to break way from the “paycheck to paycheck” vicious cycle. Living this way does not allow for emergency expense money, and trust me, sometime soon you will need emergency expense money. Your cat might get sick or your car may die, whatever it is, it’s always smart to have at least $500 squirreled away. I’m gonna level with you, things have been tight for my budget and I haven’t been able to save anything for the past three months. But this month I will!
Example Budgets
Full Time
Working with the $7.25/hr and 40hr/week model, here’s an example budget for living on minimum wage. That’s $1,160 a month without taxes.
Housing: Let’s say you’re sharing an apartment with two close friends, the rent being $1,500 without any amenities. That rent split three ways is $500 each.
Gas I commute twenty minutes every day, and I drop about $20-$25 a week on gas. That’s $100 on gas a month.
Food: I do one big shopping a month with my boyfriend. We drop around $180 and that’s including toiletries and soap and stuff. So maybe you’ll spend about $100 a month on all your shopping needs.
Cable/internet:  Hopefully you took my advice and skipped cable. Let’s say you’re paying around $50 per month for internet. Split three ways that’s $17 each.
Laundry: Hopefully you’re not like me and are only spending around $20 on laundry per month.
Random expenses: Because there always are some. Especially when you have cats. Let’s just tack on another $100.
With everything added up, you still have around $290 left before taxes! That money can go into a savings account, and after several months, you’ll have that $500 worth of emergency money saved.
Part Time
Working with the $7.25/hr and 25hr/week model, here’s an example budget for living on minimum wage. That’s $725 without taxes.
Housing: In this case, you need to look for apartments in the $800-900 range. In my area, one bedroom apartments go for around $1000, so you may need to get creative with your roommate (I don’t think you could have more than one roommate in this situation). Buy dividers to split the bedroom or studio in half! Let’s say your rent is $850 with nothing included, that’s $425 each.
Gas You’re still looking at a large gas bill per month, so it may be more inexpensive to ride a bike or use public transportation. Let’s say you use public transportation, and spend around $50 a month on that. Or maybe you and your roommate can split gas expenses and share a car?
Food: Pinch those pennies! Use some of those budget cookbooks I linked above to help you cook healthy and delicious meals for under $4 each. See if you can only spend $80 a month on groceries.
Cable/internet:  Hopefully you took my advice and skipped cable. Let’s say you’re paying around $50 per month for internet. Split two ways is $25 each.
Laundry: Hopefully you’re not like me and are only spending around $20 on laundry per month.
Random expenses: Because there always are some. Let’s just tack on another $100.
That leaves you $25 to put in your bank account, if that. This is a paycheck to paycheck situation, and you will probably need to get another source of income to feel secure. But you can still do it!
120 notes · View notes
adult-things-like-taxes · 6 years ago
Text
08.08.2018 (Wednesday)
Made a sideblog to better keep track of useful posts for Adult Living TM. It’ll be a while before I get there, but I felt inspired.
Right now, I’m finishing up summer classes and preparing for a quick trip to TN around the end of the month. In September, I’ll be back at my internship and that’ll hopefully lead towards full-time employment. It’s 3am and I have a final project I haven’t even started on that’s due on Friday. And here I am, thinking of my 5-year plan.
The main goal of this plan is Moving Out; by age 25 I should be able to live (mostly) independently, with a steady income and reliable means of transportation. Everything else is just a bonus.
As this will be my first time on my own, I’m not yet ready to leave the country and travel the world, but I would like to leave the South. One of my coworkers is from Washington, and that sparked some interest due to the cloudy weather. (Nearly every review of WA weather bemoans the lack of sunshine, but naturally I count this as promising.) After a little research, I think Spokane, WA would be a decent place to start my own life. Spokane isn’t without its negativity, as I’ve gathered from reviews complaining of welfare moochers and drug addicts and gays and the uneducated. Sounds like home, but with gays so it’s actually a step up.
Ideally, I’d like to have a year’s salary saved up before moving, as a nicely cushioned safety net. However, the minimum wage in WA is much higher than TX, so a year’s salary would be over $23,000. (And it’s likely to increase.) I decided an even $20,000 would be good enough. Of course, even that is quite a lot, so at the absolute minimum I’ll leave with 6 months of security.
As this is a 5-year plan, for $20,000 I’d need to put aside $333.33 each month, which is almost my entire paycheck! As an intern, I’m making $9/hr and I work part-time, averaging 32 hours a week. After taxes, I have around $480, so this simply won’t do. For 6 months of security, I’d only save $166.67 a month, which might actually be feasible.
In my account, I currently have $610.23. In the past month, I spent $571.84, which is several hundreds more than I spent in the previous months this year. (In June, I spent $135.65.) Largely, this is because I’m now helping to provide for my younger siblings in addition to just myself, my older sister, and mum. I can safely assume a minimum of $200 each month will go to the general household. I haven’t been tithing consistently, but I plan on starting, so that’s about $50. (Rounding up because I feel guilty for cheating God.)
y1 = 610 + (480 - 50 - 200)m
y2 = 610 + (480 - 50 - 500)m
y3 = 610 + (480 - 50 - 250)m
Running the numbers, should I contribute $500 a month (lowballing the high number) to the household, I will run out completely before the 9th month. The minimum $250 will grant me $14,410 in 5 years’ time, over the minimum safety net requirement. At a slightly higher spending rate of $250/m, I’ll still have a decent amount of $11,410.
y4 = 10000 - 100m
y5 = 10000 - 300m
y6 = 10000 - 200m
Realistically, I will be able to save between $100 and $300 a month. At $300/m, it would take me just under 3 years to reach 6 months of security, but at $100/m I wouldn’t even reach the minimum in five years. At $200/m, I’d make it in just over 4 years.
y = 10000 - (480 - 50 - 250)m
Contributing $250 a month, I’ll have $180 left over each paycheck. Should I put it all into my Moving Fund, I’ll have enough just months before the 5-year mark.  Of course, this doesn’t account for school or emergencies (both of which are sporadic enough that I can’t give a proper estimate). I’m also hoping that by next year, this internship leads to full-time employment and a pay-raise. All the same, I am pleased by this number-crunching.
References:
https://www.expatistan.com/cost-of-living/spokane-washington
https://www.bestplaces.net/climate/city/washington/spokane
0 notes
myfuckofffundjourney · 7 years ago
Text
Money Diary, Week #3
Thursday Jan 18
Wake up, bus to the shuk - 5.9 nis. Grab a coffee and I don’t even want it. 11 nis. So weird. Maybe it’s because I’m already running late and feeling anxious about time. I drink half and then grab groceries for the client I’m cooking for, all of which I’ll get reimbursed for so I won’t list them. I also cab to their place - billing them as well. Nobody got time to haul groceries on a bus #lazy.
After cooking for 6 hrs (hey guess who just made +1200nis!!) I pack a meal from what I made (chicken, potatoes, and an Asian pear, and it’s all fucking delicious, and free, and I even had a container because of yesterdays lunch that I took to school, score!) and bus to the central bus station. 5.9 I’m feeling a bit woozy so grab soda water to calm my stomach. 7 nis. I decide to finally buy a pair of Blundstones, a decision I’ve thought about for literally like five years. I see a pair that I like that are on sale for 350 and I grab them. Also add 50 nis to Rav Kav. The boots feel great in the store and for the dash to the bus, but as soon as I’m off the bus and walking to class, they start to kill! I’m worried I got the wrong size, even though the next half size up is way too big on me. I take them off in middle of class to make sure I don’t fuck them up too badly. Finish class, head home, make toast with peanut butter and hang out with Josh.
Friday Jan 19
Wake up and peel myself out of bed to grab some random groceries - I have no coffee in the house, and really feel like having eggs for breakfast. At the grocery store, I also find an avocado thats not hard as a rock (fun fact: apparently there were no deliveries of avocados to Israel for a week and so the price doubled, and none of them are ready yet. I don’t care that the price is doubled - it’s only like 6 shekel anyway and i’ve been wanting an avocado all week.) I get eggs, an avocado, and laundry detergent - 28 nis. There is a massive bag of Tide for 60 shekel (8 kg) and I think I might get it because it smells so nice and is cheaper per kilo than anything in the store and will last for like, half a year or something. And in two weeks I’ll even have a HOUSE to store it in!!!
I stop at my favorite coffee grinder guy and pick up 100g of coffee for 6 nis and think back to when I was living in Florentine and I could find the same amount for at a minimum 10 nis, usually more. Thank you, Jaffa gods, for making prices reasonable.  This usually can last for almost a week, but it’s exam season and I’m going to be mainlining coffee.
When i get home, I make a good breakfast (toast, eggs, salad, coffee) and THEN I CAN DO MY LAUNDRY! FOR FREE!!!! I’m so effing excited, it’s been literally four months without a washing machine at my disposal. I’ll probably need to throw some things in the dryer at the laundromat because its going to be a fucking COLD weekend and I have no clean socks and stuff, but still!
Anyway, I’m at my next conundrum, which is the fact that it’s now sale season and there are so many things I want/need. In the wants column, we’ll just put new clothes. I’m v bored of that I have and would love some new additions. In the needs column, we’ll put shoes - this is a biggie, I hate buying shoes and spending money on them - house items (coffee table, bed, closet, curtains, oven), a new phone (this one is pissing me off with its jerkiness and general crappy demanour. I could probably get it to work well if I do a factory reset but the screen is also cracked and replacing it will cost at least 400 nis. I’d rather get a new/secondhand phone.) Anyway, IKEA is having a sale, all the clothing stores are having massive sales, and I’m not sure what to do. These are more investment type items, but it’s still hard to justify spending the money. And then the fact that Uri and Jordana are getting married soon - I’ll actually make a bit of money from catering his aufruf kiddush/her shabbat kallah dinner, but not a ton.
I FINALLY get a message that I’m getting paid for an event I did like, three weeks ago - that’s another +1,630. YESSSS. That plus an extra +500 for shabbat will be so helpful for the move.
Run out to throw some things in the dryer - I just collect random shekels and don’t actually keep track, but i think it’s around 8 nis. While waiting for my stuff to dry, I get some binders, highlighters, little page markers, and also use the stores hole-puncher to hole-punch LITERALLY like 500 pages of notes. Don’t have to buy a hole-puncher though! It’s still 33 nis. Ugh.
I end up heading to Jerusalem kinda stupidly late, and end up taking a taxi to the bus station with Josh, but he covers it because he owes me money for groceries. The sherut is 35 nis - ugh. I’ve left my purse at home so Josh lends me a 50 that he also says to use toward groceries.
Saturday Jan 20
I work for WAY longer than I would have wanted to, and it really isn’t very much money, and I really needed the time to study, but on the other hand, it was pretty easy and it was 500 nis. So, balances out. After Shabbat is out I head to Jerusalem - 5.9 for the train, and 16 nis for the bus. When I get to Tel Aviv, the bus to my house is a friggin half hour away so I have to walk home, which is a massive waste of time. Really need to sit and calculate how much that half hour was worth to me, because I’m SOOOO behind on my studying, but can I just stay up a half hour later? Does life even work that way?
I make a peanut butter and banana wrap. Wraps are THE BEST thing to have around but I never buy them because I feel like they’re expensive? But a friend left these at my house and they’ve been the base of many a quick happy dinner, so maybe I’ll keep them around. Also come up with a plan to market myself as a meal-prep delivery service for people who can’t cook at home... i wonder if I’d ever actually execute that.
Sunday January 21
Basically spend all day inside studying/making food/cleaning/doing laundry. All of these are relatively money-less endeavours! On my way to school I do grab some fruit because I have none in the house. 9 nis
A friend coming from New York places an order on amazon for me for bamboo toothbrushes and charcoal exfoliating gloves - those guys are the shit and I hate throwing out plastic toothbrushes. They last quite a while and it only comes out to 70 shek - I’ll pay him when I see him.
Monday January 22
I meet Kim at the shuk for a grocery shop. It doesn’t really feel so smart to do the shop before my CSA gets in. I need to recalibrate my weeks so that I can do it on Tuesday morning and not be starving. Anyway, I get:
Parmesan and goat cheese - 24.6
Oatmeal, wild rice, and raisins - 20
Salmon - the guy cuts me way more than I asked for and I tell him off. I asked for 300 grams for a reason, mister, not for 350 grams. I’m turning into an asshole lol. 33 nis
Avocado, sweet potato, zucchini, chilis - 18 nis
Clementines, potatoes, cherry tomatoes, and an impulse buy dragon fruit - 34 nis
Green onion - 5 nis
On the way home, I still can use my transfer on my Rav Kav. Hell yes. Now I just need to stock up on things like more coffee, wraps, and one or two other things, but between this and the CSA I should be good for the week.
At home i make a big pot of rice, roasted veggies, two sauces (one using up cilantro that was going bad and yogurt I didn’t feel like eating), salmon, and sauteed greens from last weeks CSA. Now I have food options! And I only need to finish my celery and romaine lettuce from the CSA. Don’t know what to do with it though. Hmm.
Buttttt ugh I get an email from the school. I owe tuition, I think it’s loan time. I’m thinking of asking them if I can consolidate the debt, and when I do a huge work event I can throw a few thousand shekel at tuition. PAYING FOR SCHOOL IS SUCH A BITCH. But at least the loan system here doesn’t blow. I also get an email about a grant. GRANT I NEED YOU GET IN MY WALLET.
CSA box comes with some dope looking ingredients. I’ll have to cook wisely this week so nothing gets wasted though - my fridge is already FULL of food. What a nice feeling :).
Tuesday January 23
I wake up late, ugh. Go grab coffee - this time i get double what I got last week - rice milk, and cashews, to maybe turn into butter. It comes out to way more than i anticipated - 44 nis. Eek.Still though, haven’t eaten out once this week except for one coffee and one bottle of water, so I’m feeling good! Then I feel terrible when i think about tuition and moving. Gah! Cashew butter tastes amazing though, so there’s that!
Finally get an answer to an insurance claim I filed (and won) months ago! They had sent me a cheque (srsly who does that) which I never received, so they are going to cancel it, and wire me the funds. It’s around $350 - just wish I’d done this before the dollar crashed so hard. Oh well. Still free-ish money!
Buy an eclair. I need some comfort sweets. Interestingly, I don’t think I’ve had anything with overt amounts of processed sugar in a few days - since Saturday, I guess. I’ve had honey in my tea and stuff, but that’s it. I wonder if I’ll feel anything? It’s only mediocre but I needed to get out and interact with a human who is not Josh/the dog. 10 nis.
Wednesday January 24
I have to print some notes for this exam that i am definitely in no way passing (hi moed bet!) It’s way more expensive than it would be at school. Damn. 12.5
Total: 770.7 - minus shoes - 420.7
School/misc- 403 (includes a 350 nis pair of shoes that are too small and that I will try to return)
Groceries- 221
Eating out- 28
Transportation - 118.7
Money earned: 500, 1620
The takeaway from this week is: School is effing expensive, and I spent freely on groceries to not be tempted to eat out which worked (slash my extreme isolation/studying helps too) but I also bought a lot of “nice things” that I don’t need. On the other hand, I’ll have lots of food stored for the next week or two. Wins all around, I think. Would be nice to get most of my weeks spending to look like this (minus the shoes) - I could be down with spending only 400 nis a week.
0 notes