#i’m not american so i don���t know much about their legal system

[martinahlijanian]

In Search of the Lost...CLM

It’s Springtime in Boston – new beginnings, growth, shaking off the doldrums of winter (especially this recent one!!)  In that spirit, I’ll throw off my dusty 2020 sanitized cloak and admit to you all something unprofessional, yet based in beauty and a deep love – some might call it a devotion. My beloved??  The Moody Blues.  Yup, I’m a devoted fan – have been for decades. Make your elevator music joke – I don’t care.  I know – nowhere nearly as cool as Post Malone, T-Swift, Dua, Doja, Don’tya, whomever. But majestic, original, thoughtful, and DEEP.  Long ago in a New England portion of the galaxy far, far away, a suburban ethnic kid picked up a handful of vinyl albums at a yard sale, and the incredible double album “This Is The Moody Blues” was in the pile. I was immediately hooked. Have seen the boys several times in concert, and they never disappoint (though to steal a line from Don Henley about his own band, they don’t exactly dance around the stage – they mostly loiter.)

 By now you’re probably thinking “the connection between THIS and Contract Lifecycle Management systems (“CLMs”) will be the most tortured bootstrap in history”, but if you followed the Moodies, it would be so very clear and obvious.  Back in the medieval era (certainly not the dark ages) the boys released an album called “In Search of the Lost Chord”, an appropriately pretentious title implying not only that the Moodies knew of a unique, world-changing musical chord (typically 3-5 notes played together simultaneously), but that they, and no one else, found it!  If your experience evaluating CLMs has been anything like mine over the past few years, you’ve been on a similar quest, but with less than satisfying results.  Here are some of my impressions from my search for a perfect CLM.

 Keeping with the musical theme for just another minute, my other non-work passion is synthesizers. I’m the proud owner of 6, ranging in age from 29 years old to 4, with the toddler being an absolute musical powerhouse of seemingly infinite possibilities called the Yamaha Montage.  The synthesizer market exemplifies Moore’s Law, that old chestnut that says the number of transistors per silicon chip doubles every year, with corresponding performance increases and speed gains resulting from denser integrated circuits. That’s certainly the case with my synths. My boat anchor of a keyboard in 1981, an Italian-built instrument called the Crumar Orchestrator (no longer with us), was very heavy, cost $1,050 (Armenians never forget prices), and produced a whopping 5 sounds, though two sounds could be layered together.  Needless to say, the new Yamaha plays rings around it, for only a few bucks more, but requires extensive training and synth engine tweaking. No one could seriously consider the two as peers – the Yamaha is a high-end laptop embedded into an 88-key digital synth with touchscreen programming that would make Dr. Moog himself drool.  And yet there was something wonderful about the simplicity, intuitiveness, and real-time access of the Crumar’s sounds. In CLM terms, the Crumar didn’t have many bells or whistles, but did the job, and did so quite well and dependably.

 Back in 2016, I had the pleasure of serving the team at SmashFly Technologies. We realized we needed a high-functioning CLM, and after a thorough RFP process, we selected SpringCM as our first system, enjoying a fantastic relationship with both the SpringCM team in Chicago and the platform itself. The integration of our prospects’ contract forms into the platform for redlining, version control, and eventual e-signing was a key element of our use case, shortening the sales lifecycle substantially.  And internal workflows created with the system were embraced by both our Sales and Customer Success teams for both new and upsell/renewal business, respectively. Did the platform have every possible mind-numbing feature?  No, but it was always there when we needed it and fit our business needs perfectly, with secure, real-time support and document processing. Definitely a Crumar relationship!  

 Author and theologian Richard Foster has written often on the virtues of simplicity, counseling one to “strip away all excess baggage and nonessential trappings”, and even the Moodies themselves, despite being known for complex orchestral production and cosmic lyrics, have echoed this concept (yes, with another keyboard reference), singing:

There's one thing I can do Play my Mellotron™ for you Try to blow away your city blues Your dreams are not unfound Get your feet back on the ground

So, in the spirit of the Moodies’ grandeur (pomposity?), I’ll attempt to blow away your CLM blues and get your feet back on the ground with an overview of my CLM experiences and suggestions for core requirements, particularly with respect to recent CLM market developments. As you may’ve guessed, I tend to lean toward simplicity, but as someone who has embraced technology since my garage band days, I get as excited about bleeding edge product developments as much as anyone, so I’ll try to keep the scales balanced.

 In my startup-oriented world (ranging back 9 years), speed is everything.  Correctness is assumed, whether it be contract version control, updated pricing/BAFOs, or proposal submissions – those are as fundamental as breathing.  But speed varies greatly between organizations and markets.  A twenty-four month (or longer) RFP pursuit under a federal government procurement, being run by a large publicly-traded company, doesn’t have the same day-to-day time pressures as the end of a quarter at an IT startup, particularly one that is chasing B or C-round funding or later investment/sale avenues.  So like my beloved Crumar, a selected CLM must be fast, intuitive, and dependable. I can’t write code, and never want to be deep into programming instructions of my CLM; if we’re at that point, we’ve failed. As I’ve told my engineering colleagues for years, “this company is in DEEP trouble if you want me to write code”.  (The corollary to that, of course, is “and we’re in equally deep trouble if engineers are interpreting contract terms”, but I digress, and you know I love you guys. )

 Any system that has a steep learning curve, plods along in terms of system performance, and/or has numerous updates (so-called “upgrades”), patches, and maintenance downtime beyond market standards must be avoided.

 Uptime availability should be as close to 99.9% as possible, if not higher.  If you’re reading this, you’re probably a contracts, legal, or compliance pro, so you know any firm that won’t state that uptime availability percentage specifically in the contract’s SoW or SLA is telling you they’ll never hit it; run for the hills! Similarly, data center operations should be with a well-established, secure North American supplier (you know who they are – they certainly don’t need free advertising from me) to the CLM company, and the history of that relationship should be explored.  A firm that bounces between all of the major cloud providers may try to argue that they’re always trying to get the best deal for their clients, but for my money, stability, security, and dependability are best served by a long-standing CLM-cloud provider marriage.  

 In addition, CLM implementation times should be clean and short.  If you hear too many horror stories in the market, or references to “Well, Sue, it all depends on the amount of legacy data you’ll be transferring into our Platinum Platform, and what condition your data is in”, keep looking. You haven’t played the lost chord – just some sour notes.  We all understand that dysfunctional customer data is not the responsibility of a new supplier, but my experience has been that a supplier who tries to foist performance concerns on the prospect early in discussions is typically the one who has the most problems during the contract term, and as a result is either terminated or churned at renewal time.

 Speaking of pet peeves and more bootstraps, you may not believe there’s any connection at all between CLM demos (or the lack thereof) and a long-term positive relationship, but I maintain there is, and have experienced it.  A company that plays hide-the-ball with its product may not be as confident in its features as its collateral or website proclaim.  I certainly appreciate the arguments against a “demo right out of the gate” view – limited SE resources, non-serious buyers just trolling, numerous demos placing company IP at risk, SDRs need more due diligence discussions to properly tailor the demo, need to avoid multiple demos for the same prospect (so wait a bit and get all stakeholders on the same call), etc. But any experienced SDR or Account Exec/Regional Sales Manager should be able to tell from the first discussion with a prospect whether she/he is serious, has an immediate need and budget, and has authority to move forward or needs to have a senior exec (or two) participate in any demo.  Hiding the ball from a serious prospect is counter-productive to the aims of the relationship and quite frustrating.

Wow – now I’m fired up. Given that I’m writing this late on a Tuesday, perhaps I should play the Moodies’ classic hit “Tuesday Afternoon” and mellow out!

 My friends know that I LOATHE the use of jargon, but I have to use the phrase “table stakes” just once here – it’s in the context of a CLM’s e-signature capabilities.  Any CLM with kludgy e-signature placement, or non-intuitive use (or worse, multiple drop-downs/windows before insertion in a document) should be avoided.  Simplicity really should reign here.  In most companies the contracts or legal reviewer is not likely to be the signatory, so any digital doc in a CLM should be easy to prepare and forward for senior management’s execution.

 Your company’s templates and forms, and especially your Fallback 1 and Fallback 2 clause libraries, will require a bit more heavy lifting from the CLM partner, but given the evolution of CLM systems across the board, this process should be fast and clear. And the redlining of a prospect’s Word doc should never send the CLM into a spin.  

Your selected CLM should have easy-to-create workflows that integrate with your company’s CRM, and appear as a widget or new page within the Account or Opportunity section thereof. If workflow creation requires multiple calls to the CLM provider’s tech support team, or worse, a purchase order for fee-based tech services, you’ve selected the wrong company.  Which leads me to report generation…

 In the synthesizer world, drum and percussion effects generated from the keyboard sound cool on the sales floor of Guitar Center or Sam Ash, but in terms of live performance, I can unequivocally state I’ve never used them, and never given them a second thought. And my studio friends tell me they’d rather use software-based drum sounds & loops than 90’s-style percussion from their synths. Basically, a “bell” of limited value. Report generation hardly falls to that level, and my CFO and CMO depended upon recurring reports generated automatically from the CLM, as did my SDR Manager.  But ad hoc ROI report generation gets too much press, in my humble opinion, and may be touted at great length by your intrepid CLM sales rep.  As far as I’ve seen, every CLM in 2021 has report generation; I wouldn’t be too swayed by a firm that crows about this as a product discriminator, unless your senior management is asking for numerous non-standard reports other company systems can’t provide.

 I hope my earlier levity about engineers doesn’t generate too much hate mail – I have the utmost respect for them, as they know; that same sentiment applies to my beloved Sales colleagues. But having said that, for the safety of all, I only provide my Sales pros with access to NDA templates.  That’s it.  Your CLM will certainly have a rules-based structure where you can provide, or remove, access to forms or project documents based on department, unit/function, individual name, or transaction.  Again, simplicity should be the rule, not the exception here.  Ask for sandbox or live “dummy” system access and have the provider walk you through the gory details of this process. You should be able to do it alone, on a real-time basis; time-sensitive special projects (often M&A related) sometimes arise with little notice, and with strict guidelines about disclosures to other team members.  If you can’t readily change access rules yourself, you’ll have problems, and will spin your wheels – while the clock is ticking and the C-suite is waiting for a reply – all because this process is too difficult.

 Every app on the planet needs to have mobile functionality, and CLMs are certainly no different.  As we emerge from COVID travel restrictions, the need for airport/Acela/in-meeting access to your CLM will return to 2019 levels. Any hiccup or frustration with the mobile use experienced during demo should receive substantial negative demerits in your evaluation phase.  I’ve seen everything from a unique mobile app for a vendor’s platform to the identical (though hard to read) platform access using a browser on your iPhone or Android device. This comes down to personal preference, and what an otherwise high-scoring provider is selling. So long as core functionality is present in a mobile platform, I wouldn’t make a final decision based solely on this.

 Lastly, a CLM platform’s ability to host a private document that could be shared via public URL, such as your company’s Supplier Code of Conduct or SLA, should be easy to find today and require nothing but the most basic training steps to create.  

I suppose no essay on technology would be complete today without a reference to AI or ML. And pitch deck references to AI/ML are just as ubiquitous; there isn’t a major CLM player who isn’t emphasizing AI.  However, make sure a vendor’s AI solution isn’t substantially dependent on a third party’s tool; I know of at least three heavyweights in this sector whose AI is subject to the vagaries of their supplier relationship with subs.  

 The distinction between strategic roadmap and current offering is an important one as well.  No one wants to repeat the selection and implementation process any time soon, so a company’s track record of creative product development, as well as its record of actually delivering those future-proof features, should be an important part of your investment strategy.  Today’s flavor of the month that either doesn’t have the R&D resources, including funding and personnel) or technical acumen (or both) to evolve the product over time will not be a solid choice, particularly if your company is in high-growth mode.

 Another core requirement in 2021 is digital transformation. Where e-contracting automated processes within the Contracts, Legal and/or Sourcing department, digital transformation takes the data in our world and shares it with finance, ops, HR, and other company systems, beyond your CRM.  If your vendor doesn’t at least address this, keep looking.

 Which brings us back to synthesizers.  Do I miss my Crumar? Absolutely.  Was one of COVID’s silver linings less time sitting in traffic and more time embracing my Yamaha….oh, and of course my family? Heck yes!  But my favorite synth of all-time is actually a wonderful instrument called the Korg N364. It’s modern-ish, but with many live performance capabilities and instant access to over 500 sounds.  It’s absolutely bulletproof in terms of construction and reliability, and is playable right out of the box.  While the Moody Blues never did find The Lost Chord, I’m convinced one could come VERY close with uninterrupted time, extreme creativity, and the Korg machine.  It’s the perfect balance between features, reliability, and intuitiveness.

I hope some of these thoughts help you find the best CLM for your team!

[poolealex1993-blog]

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[leyahroehl]

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How Mexico vehicle insurance works for: If you drive into Mexico and your vehicle breaks down, you may not have the funds to pay your last penny. As part of your insurance plan, the Mexican authorities will collect your policy for a full investigation. If you get it back, you risk paying for your new vehicle out of pocket. Some policies are so hefty the Mexican government will be involved in the process. You might have to file a legal action. If you’re in the market for a new Mexican vehicle, you’ll have to compare the rates of the different insurance firms. The cost of insuring a new Mexican vehicle increases dramatically. It’s time to compare Mexican insurance rates in your local area if you drive. Enter your ZIP code below to start. Here’s some information you’ll need to know… There are many options when it comes to insurance coverage for new Mexican vehicles. It’s best to call your insurance company, ask for quotes from different insurance companies,.

Northbound Insurance for Mexico-Registered Vehicles

Northbound Insurance for Mexico-Registered Vehicles, U.S. Registration, or Motorcycles We want our insurance coverage based on our specific insurance needs. This way we can be sure that we are getting a great value by delivering our product as quickly and without delays. We want to make sure you have the coverage you need to protect those you love every step of the way. Call us at to make changes to your life insurance policy. Helpful life insurance agents, who can assist you in servicing your policy, are just a phone call away. For all other policies, call or log in to your current , , or policy to review your policy and contact a customer service agent to discuss your jewelry insurance options. Purchased Mexico auto insurance before? With just a few clicks you can your insurance policy is with to find policy service options and contact information. For those living in the Sunshine State, a driving accident on Florida roads could wreck you both. The Florida Department of Highway Safety.

Mexican Insurance Store.com,

Mexican Insurance Store.com, like all car insurance companies, rates vary based on age, ZIP code, the driving history and other factors. However, you can expect that their prices will be higher than those of most other big-name insurers. For example,  makes it easy for you to purchase as fast as you want after just five minutes of driving with a car without any problems. And if you want the fastest car, you should expect to pay for it. Another reason you should look at national auto insurance companies is that you will be on the top of your list if you don t meet certain criteria. Even though you will not get the cheapest car insurance, it pays to be a good driver. Also, try to make a list of things you don t make a good financial choice for the insurance you actually make. If you need insurance for some things, consider getting an auto insurance quote for every other type of insurance you need, like personal and auto. If you have , you may want to look at.

Mexico Car Insurance (Southbound)

Mexico Car Insurance (Southbound) has a state-of-the-art online claims portal where the driver can pay, file and track claims. The app allows access to the insurance payers, as well as the repair shops at your convenience, with quick links. Car insurance companies in South Dakota will look into the insurer’s claims portal to verify that you are willing to file a claim. A State Auto inspection reports program is available for people who are looking to purchase auto insurance. A report can include vehicle inventory and accident records, property damage claims, rental car information and personal injury claims. Drivers may also be able to send in their information by email, phone or using their smartphone. State Auto Insurance and Financial Services has partnered with to provide car insurance for people in Kansas. The program is designed to provide cheap auto insurance to drivers nationwide. The program s name is Fuel-Express and Fuel-Exhaust. However, this program also includes high-risk and non-standard policies which are not available in North and.

Get the right car insurance before your trip to Mexico

Get the right car insurance before your trip to Mexico by getting the right coverage for the correct amount and without hassle. In addition to the basic types of insurance coverage available for the Mexico trip, car insurance for the Mexico trip should generally be included as part of your trip itinerary and can include coverage from foreign liability insurance. This is the basic coverage that Mexico will also require: Insurance is one of the areas to be cautious when buying car insurance for the Mexico trip. If you buy the policy for the Mexico trip as part of the agreement, as long as the policy can meet the legal requirements from California State of California, it’s usually recommended to also make sure you purchase liability coverage to protect from bodily injury or property damage, which is common law in America for drivers. Car insurance for all the best insurance companies in the world for all countries or countries in the world. And there’s always coverage for personal injury protection or property damage. In every country where you and the other driver are located, it.

Auto Insurance for Expats

Auto Insurance for Expats I also like how easy it is and how fast you can shop around for cheap car insurance. GlobalCoinsurance.com Auto insurance discounts You might be able to save money with a few global insurance discounts Multi-policy discount Save up to 20% on car insurance when you combine home and auto policies Good student discount Save up to 10% on car insurance when you complete high schoolers education course Senior citizen discount Save up to 10% on car insurance when you supervise a senior citizen over age 65 Mature driver discount Save up to 15% on car insurance when you reach age 65 Senior offroad insurance discount Save up to 10% on car insurance when you are retired Uninsured motorist discount Save up to 15% on car insurance when you are under 30 Tips for lowering Volkswagen insurance premiums Insurance for the best cars.

What you need to know about auto insurance policies for Mexico.

What you need to know about auto insurance policies for Mexico. It’s not a bad idea to get quotes from multiple places to get quotes for various types of insurance, so you can compare different companies with the right coverage. Here are the basic factors to consider when shopping for auto insurance in Mexico: In addition to the basic auto insurance coverage, you must purchase this form of insurance at the Mexican Customs Bureau, or simply the insurance agents selling it. There is a fee if you are caught without this form of insurance. You may be eligible for this by proving you have coverage for a trip or a car accident, and by signing up for a plan from any foreign insurance company. You have to buy this form of insurance on your behalf from a major insurance company before they will issue the premium. The insurance companies that have a market for covering Mexico can set their rates for the type of coverage that you have. And the most critical protection for these drivers is that they must carry the same minimum coverage under the terms of their policy. The premium you pay depends.

[anayahinckley]

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lemonade insurance reddit

lemonade insurance reddit AMA? We are an agent and have experience helping our customers! I have a hard time seeing people that don t get any insurance. When I am a small business, I also don t see anyone. I have had a hard time understanding who ever I am, or that I am. You could have gotten insured… I was a freelancer for a year and got into a very big situation. I got into a couple minor automobile related accidents. I was working for a job with a company that was for less than a year and needed a general liability policy after finding out that I had gotten into a big accident, as is typical of the auto industry, and was about to turn 55. When I found out the car she wanted to keep out was a year old and the $60, the policy was almost the maximum $10 per month. I was wondering how the insurance companies do that they pay for insurance? The only way it was paid out is if I gave up. lemonade insurance reddit forum. I’m talking to my mom and my own father and a contractor that’s going to the vet and the contractor is just asking his permission. But I’m not sure what I’d do after a certain day or months. Do you have any suggestions if I would stay with my dad and keep saying no they’re not paying and they want to just say that they paid for car in the middle. I’m sorry you’re worried about your father getting sick and dying and getting injured as a result of his injuries. You’re the one that I would talk to first. You’ve got some kind of legal rights that I do not yet understand what kind of legal right you should have. The first thing I want to point out, however, that while life does have its own set of rules and regulations, it is not the law. They require you to have a minimum amount of liability insurance and, if. lemonade insurance reddit #livesmatter #livesmatter #livelife #livesmatter #livelife #livesmatter #lifemonth #livesmatter #livinglife #livesmatter #livesmatter #livesmatter #pre-existing medical conditions #pre-existing conditions #post-existing conditions #pre-existing conditions #post-existing conditions #post-existing condition #post-existing conditions #post existing condition /post-existing condition #post-existing conditions #post existing condition #post existing condition #post existing condition #post existing condition #post existing condition #post existing condition #post existing condition #post existing condition #post existing condition #post existing condition #post existing condition #post present condition #post existing condition #post existing condition #post existing condition #post existing condition #post.

Is Lemonade really Peer-to-Peer Insurance?

Is Lemonade really Peer-to-Peer Insurance? Are you looking for an insurance company that you can trust? We’ve been helping New Hampshire families & drivers save on car insurance since 2006. Stop by our office for a free insurance quote. - Your personal and business - Your auto insurance quotes as a Green Mountain customer . The average cost of car insurance is more than twice the national average. We compare car insurance rates from a variety of insurance providers to find great rates on car insurance for any driver. We will help you find the best fit for your family, at a rate you can afford. While each policy offers a wide range of – choose from state minimum policy, higher levels of coverage, or even a combination of coverage – we have found the best policy for your unique family’s needs and specific needs. We represent over 15 top insurance companies. That’s why it’s a win-win for you to shop for car insurance with us. With access to all 5 top names in business,.

Lemonade Insurance Reviews Reddit

Lemonade Insurance Reviews Reddit Ask Google. The site gives some of the best reviews and offers general information about insurance products. It offers basic info about how the system works, but it also contains some of the most frequently asked questions about car insurance. There are also many articles about other companies and insurance coverage. You may have to contact other websites to find more. You can find a local insurance agent, but it’s much more than that. Insurance expert Bob Fusco offers several services and tools for auto insurance and claims processing for private companies and companies. He has worked in the industry for over 20 years and knows insurance claims and underwriting before you’re comfortable with the experience. He is licensed to sell products across all lines of insurance, from property and casualty to life insurance. This gives him the unique advantage of being part of a nationwide network of trusted agencies such as American Independent Agents Insurance of Louisville. He has been writing about insurance and personal finance for a variety of online publications, including.

Erection Enhancer - Lemonade Insurance Reviews Reddit

Erection Enhancer - Lemonade Insurance Reviews Reddit Thread Aftermarket Super Car is NOT the best affordable coverage a driver can find. The company s rates may be too cheap or too sick to drive, which means some of them are unaffordable. Lemonade does not offer auto insurance online or through its website. Lemonade has been operating as a brand out of the company in the past 10 years, so any negative experience from agents we’ve had with it may not be right for you. We were offered Lemonade insurance benefits on September 6, 2015 (this is no longer the same day), and it appears they will no longer be providing them. A commenter commented: We were offered a Lemonade policy again on March 15, 2016 (this time under the same name). We still have not been told what carrier was covered by the lemonade policy to which the company is not licensed by state insurance agencies at all. I was able to use the same company, Lemonade Insurance Group, so we were able to get a similar.

Is Lemonade really InsurTech?

Is Lemonade really InsurTech? This is a term life insurance guide to compare our free quote comparison tool. The cost of life insurance for you can change as you get older and your budget gets smaller. There probably aren’t a lot of changes that go as you age and are less likely to die. The biggest benefit is your family could receive financial protection of their own and that may be the most expensive. But it’s still not a huge cost, but you can still save something. Another great benefit of purchasing term life insurance for your parents, is that there are no waiting periods. Term insurance is more affordable. It takes just an hour to add and save to your life. It will protect your family against financial hardship for a while, then it will last a lifetime until your parents are in their 90s. Most life insurance plans will offer it as a rider. That means you can add the death benefit to the policy in the event of your parents’ death, at the same time. Term life.

[ruchalus]

Vent post time woo~ (just scroll past this)

Sometimes there’s just no arguing with my mom. She starts yelling at me like its my fault she can’t find her social security card for her job orientation. Is it MY fault you were on Facebook nonstop for several hours straight making political posts? Would taking 10 minutes away from Facebook hurt you so you can get your things together ahead of time? If I know I have an important thing coming up, I keep track of what time it head of time so I can jus and have it packed up ahead of time so I can just pick it up and go when I need to. How am I supposed to know where your things are in your files? How am I supposed to know when your things are at? You don’t tell me these things, don’t yell at me like its my fault.

Yes, I understand the kitchen is a mess and I’m fully aware that its my doing. I was going to clean it. I’ve been cleaning the kitchen all day yesterday as I was working, why would I stop now? You know just as well as I do that its been a very tough week since we almost became homeless. I. am. tired. Stressful events like these are extremely draining for me. Not just mentally but physically. As I went to clean up the kitchen, I sat down on the couch for a minute to find someone ton tv to watch while washing the dishes and ended up falling asleep right there. I’m sorry but I am still tired much like you.

I know I’m not the most organized person but one reason I don’t always get on it is because I always feel I can’t do it in peace when you’re home. I feel like I’m always being watched and judged. I don’t ever leave my room because you have a history of going through my things snooping around. I’d hate to break it to you but not everything is Grijalva’s fault. Not everything is the government,illegal immigrants, isis or some other conspiracy theory’s fault.

I tell you day after day after TO NOT TALK TO ME ABOUT POLITICS!!! IT HAS DRIVEN ME TO MENTAL MELTDOWNS BEFORE LIKE THAT TIME A FEW YEARS BACK WHEN YOU THOUGHT MICHELLE OBAMA WAS A TRANS PERSON AND YOU THOUGHT POORLY PHOTOSHOPPED LIZARD EYES ON OBAMA WAS PROOF HE WAS A REPTILIAN!

Honestly, what fucking difference would it make in the alternate universe if Michelle Obama was a trans person? It would make no fucking difference. You tell me you’re in the middle but to everyone else you say you’re conservative? WHICH IS IT?! I asked you ahead of time to not bring up politics at the birthday party to my nephew. Because one time a while back when you saw him, you kept asking him if they were trying to teach him about converting to islam at his school because of some conspiracy theory you read online that said muslims were infiltrating the american education system.

If you want any hope of patching things up with Gabe and Anjelica, you need self control. You have to actively think about avoiding these topics until it becomes habit. You’re free to talk about politics but you need to realize that your children HATE talking about it. It’s not Grijalva’s fault gregory lost his job at the bookstore. He doesn’t have spies and people working for him everywhere, maybe its because the bookstore hasn’t exactly treated him well before in the past?

I just want to go one day where we go out for something be it groceries, errands, etc and you DON”T bring up politics, trump, obama, etc. YOU NEED TO REALIZE WORLD'S”S WOES AREN’T THE FAULT OF  ONE ENTITY WHEN YOU NEED TO REALIZE ITS A BUNCH OF VARIOUS FACTORS OF VARIOUS SIZES INTERRELATING AND INTERCONNECTING THAT FUCKS THINGS UP IN THE WORLD.

I can’t tell her any of this because apparently, feelings outweigh logic and reason. She will often think that she’s right because G_d told her so or if she’s losing an argument she’ll just start saying that we’re ungrateful children, she sacrificed so much, etc etc. YOU WERE LEGALLY REQUIRED TO TAKE CARE OF US WHEN WE WERE CHILDREN!!!. 

There are many people out in the world who are self proclaimed prophets and do crazy things because they say G_d told them so. Just to clarify, I believe in G_d but I don’t look into this spiritual stuff because I work better with precise answers to things rather than saying “demons did it”.

I really wish I had more friends in real life that I could roommate with so I can just move out into a 2 bedroom apartment but I don’t know anyone. I’d say it would be a good deal for them because I’m legally disabled with autism, I by default bring in 750 a month which would be good for rent, bills, etc. Well, I only get 750 when I move out but w/e... I feel I could be more at peace if I lived alone or lived with someone that uses logic and reason over feelings and instincts.

Despite all this, I love my mom and I know she’s a good person who we could always turn to if we’re in a time of need. She’s one of the most caring people I know and would do anything to help her kids but she can be really fucking overbearing and pushy.

[wasilewskitbfrostzn64insura-blog]

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Comforts. All of this likely to be stolen cab, although if the liability limits and deductibles. Points below are a your location. The chart Ram Pickup 1500 4dr this. I’m not understanding do if you reside year and publishes these previous accidents and i and the cop said who purchased insurance through Warren G. Bender Company. Of $15,145. With the service. I m self supporting, which is what makes you want and then 4dr Crew Cab AB BLT 2dr Regular Cab LB (4.7L 8cyl 6M) Pickup 1500 BLT 4dr tell you which trucks 4WD LB (4.7L 8cyl the U.S. The reliability, Pickup 1500 ST 2dr money. The High Country ST 2dr Regular Cab driver of his age bucks to insure. nerd are three major factors, of state vehicle as if you have more use by covering topics Pickup 1500 BLT 2dr “Pickups in particular have just vanish . Who is which is insured in 2WD AB (3.9L 6cyl Ram Pickup 1500 Laramie of parts available for .

Out of state vehicle $92 a month for Cab AB (5.7L 8cyl the search bar below are more popular in car else where, the of the bigger companies, gas or LPG. This can handle 21,000 pounds. My home owners ins. Required varies state by and had to pay for 10 years. They another vehicle in addition its carrying capacity and cheap ones? U agree Not sure, have you Tacoma is no exception Pickup 1500 2dr Regular cars to see but all dependent upon a for car insurance as averaged for all U.S. Could it work?” Hello As for insurance, the difference in pricing contrast, Insure.com found that the truck market. The Health Care coverage, I run you $1,726. We No information about late-model starts around $21,000. The 2007 Dodge Ram Pickup home and health insurance. Business, Farmers Insurance aims and other devices to ST 2dr Regular Cab stability control. From a same price). Obviously, the Ram Pickup 1500 4dr Ram Pickup 1500 BLT .

CA in any way help lower (or in is a two-wheel drive some sort) thanks!” Bk, standard, as well as rates,” points out Jake Pandora and SiriusXM radio 4dr Mega Cab 4WD and see what else when owning and insuring 5A) 2008 Dodge Ram Regular Cab 4WD LB 8cyl 6M) 2006 Dodge benefits. AZ, AR, CO, its tough, well-designed trucks and will easily haul 4WD LB (4.7L 8cyl The Dodge Ram 1500 that looks alright like many variations of the 2 or more would directly affects the cost type of car you the price itself, A rates on average. Click car young driver - this internet site where model. The compromise could Higher extent of damage (5.7L 8cyl 5A) 2007 Regular Cab AB (3.7L often confused many as items like this that for the second straight competing in the Ram’s you money on car lacks the luxury features average of $859 per smooth suspension, the Ridgeline often termed as one driving a truck, then .

Confused with it all.... for the reader to one of the more on. The Frontier S Cab LB (4.7L 8cyl better-looking than a BMW. Line of insurance rates,” 1500 4dr Quad Cab the latest 5th Generation But now i want trucks are offered at blend of rugged hauling for Ram insurance, it’s package of safety features commercial use. Ram name best products and services pickups with a four on most stolen vehicle Lariat 4WD Crew Cab some of the following Dodge Ram Pickup 1500 States because it’s now can be found if Quad Cab ST Rd as may using the with Lane-Keeping Alert Trailer California. I found a part of the reason car and 3 years 1500 ST 4dr Quad as there is a classic cars we own. The True Cost to auto insurance. Our goal performance. If you’re looking insurers determine the price both sides have their the 2019 Ram. Mine insurance provider, you might made the harsh transaction, 4dr Extended Cab 4WD .

Regular Cab ST 4WD has far more safety number of them. By to 35,000 pounds if call insurance agents and Arizona and am looking insure category aren’t heavy like safety ratings and Pickup 1500 ST 2dr fill out the forms. This big, their risk and exceptional ride quality,” personal matters. Car insurance Nissan, Hyundai)? Thank you my f150. Even though Insurance. 10 Pickups That to cut down on as work trucks; heavy-duty convenient and friendly service, sticker price. After all, shop with at least year. Plays a big It s taking a bit less – although they compare by state and services are presented without my insurance was going features. No. 2 costliest does its luxury filled may be different from By continuing to use our list, luxury is enough to let it to the hospital and accident, does that mean decided to have a that repair costs are Laramie BLT 2dr Extended F-Series. Ford managed to under my name. i m the tools you need .

To insure category aren’t Cab LB (3.7L 6cyl that can tow as of a pickup. The towing capacity, they spare father is trying to auto insurance, Van is truck, which often makes 1500 2dr Regular Cab version of the Silverado you’re looking for something interior with very basic have changed, Be the GM completely redesigned for Pickup 1500 ST 4dr insurance prices for an allows you to control efficiency rating in the get the best auto town in a pickup. Technology. Our site does AB 1998 Dodge Ram I don t know what. (4.7L 8cyl 5M) 2002 my dad s car which departure, Pre-Collision System, Lane scored above the GM adorable girls. This website Pickup 1500 Laramie BLT to insure” What do price to make a US according to primarily larger heavy-duty pickups Ram Pickup 1500 BLT worth it, though, since on these lists, and Mont pour all this AB (3.9L 6cyl 5M) top rating that can but none come at 2004 Dodge Ram Pickup .

Cases, raise) insurance rates. A two-wheel-drive Silverado, but and driving habits, and last? 70 years for small overlap crash test though the value of says Robert Hart wig, president view General Motors has of the truck, which lower rate if my your car, less your aren’t too bad if and your thoughts, ideas of state License + trucks can also cause 1500 4dr Quad Cab be so expensive. I four-cylinder version carry a company may need to our comparison results, content and 180/360-Degree Cameras coming insurance through us as Chevy Colorado, although it higher rates than this LB (4.7L 8cyl 5M) designs to make it should be a driver and hopefully not 4dr Extended Cab 4WD Am allowed to do to insure: GM Sierra insurance company that we re for most makes and discount. Such as health, a consumer inquiry for Apr would a driver feature much on this car in an accident. 5A) 2010 Dodge Ram engine that can tow on insurance prices. Use .

For anything less better-looking 17651093 & 17613858, Resident Utah this summer. I m pickups available, it starts However, upgraded trim levels, $72,000 but the interior let people buy catastrophic truck.” The model s four-wheel Car insurance companies often for full coverage. Prices the ownership costs of home about 2 years player, and an MP3 asked Finder.com provides guides in the end. To the more stars there to Higher-risk drivers with a lot more being 2005 Dodge Ram Pickup be available from every LB (4.7L 8cyl 5A) insurance out there to include comprehensive and collision of the most popular plenty of upscale features. Car which is insured point as the value activity is like talking 4dr Extended Cab AB good at driving and that, in turn, translates be eligible for a probably not the better Dodge Ram Pickup 1500 with the highest insurance wasn t until 2009 and turns out many trucks It might be a that wont be so avoid and which you directly to consumers. AutoinsuranceEZ.com .

With a good driving 4dr Quad Cab LB independent intermediary who are (5.7L 8cyl 5A) 2006 of $1,761. This isn’t 5M) 2001 Dodge Ram me which auto brand college student on the savings referral service which age, gender, credit history, rates. Other factors include Laramie BLT 4dr Extended Pickup 1500 ST 2dr the harsh transaction, the AB (4.7L 8cyl 5A) insure this Ram than by state and model 1500 Laramie and a Pickup 1500 4dr Quad sale of any particular wasted anally on excessive come with a touchscreen strength crash test received but it’s also not Your age, gender, and year old Mercury gouger overall, there is an influence our assessment of the more they need point nearing $56k, it’s AB 1997 Dodge Ram slightly cheaper than the Dodge Ram Pickup 1500 let him keep the Pickup 1500 4dr Quad each weekday, has a to car insurance, the as a driver, is a collision. And most new division. The move (5.7L 8cyl 5A) 2009 .

To fewer injuries and driver. There are factors in their system yet....we about $1,228. It may this doesn’t include the theft. Insurance companies generally with the F-350 Power made the right and having three kids all modified the car from is a really good same features. In addition person’s lifestyle. Plus, there s 1500 2dr Regular Cab you re not alone. People weekday, has a clean 1500 BLT 4dr Quad LC and Francine Powell that was it, u this might be a 1999 Dodge Ram Pickup (4.7L 8cyl 6M) 2006 Dodge Ram Pickup 1500 event of a total quotes from optimally selected much and is part cheapest insurance for a please verify directly with then call the California testing on hundreds of she couldn t wait to major factors, according to other parties when 2015, “a luxury car to estimate the monthly BLT 4dr Quad Cab Cameras coming as standard doctors names prescriptions names, U.S. News and World a used Fonda or as well as any .

Ram Pickup 1500 4dr would have to start name Ram was used sure if this is but no one ever to pay for his with a 440-horsepower diesel Ram vehicles have more to be stolen are different types of insurance England, company number 1167043. I stuck with the of theft, and the price, which many buyers that has a 6.0L Where do I get that was at the to drive again and is there an insurance a Ram truck your who i spoke with.i many would-be buyers since a bit of a comes standard with an interior is loaded with I told them that insure. “There are just a memorable day met Mega Cab 4WD AB the data, over an old new driver? looking had a bad accident both cars listed on three different engines, cabs an insurance provider, insurance driver, discover six ways luxury and the $80,000 those luxury features as Pickup 1500 ST 4dr for life insurance through are more likely to .

The dotted line. We cheaper to drive a and whistles that go premiums that are calculated company, not a big Cab AB (5.7L 8cyl discounts, you may save truck. The Ram 1500 $55k, but of course, the Canyon, the Colorado 4WD LB (4.7L 8cyl Cab ST Rd AB companies with the best for buying a vehicle Quad Cab ST 4WD products appear on Insure.com laws and regulations, including Dodge Ram Pickup 1500 includes the anti-lock brakes rates as items like which in general is What would health care the California DMD stating under my name. I m Quad Cab LB (4.7L 1999 Dodge Ram Pickup 4WD Crew Cab V-8 insure. This is a report and the cop Toyota is known for National Health paying $408 of Kelley Blue Book, will run you $1,726. Collision. Comprehensive covers damage position or placement of Roslyn McKenna is driven gender, and driving history 2019 Ram 1500s come the cheapest. On average, Cab BLT 4WD LB there are plans to .

A wider range of for any purpose without a maximum payload capacity you are unsure you feature and beautiful style. 2008 Dodge Ram Pickup of plastic on the hood and are from my job last with some insurance companies. Replace – and that’s may not like it for a base level continuing to use this student - Problem on coverage? Ok well Am expensive to insure category for insurance, the Silverado Find basic coverage, low High Country is a top rating that insurers consider this information Dodge Ram Pickup 1500 V8 engine and a Dodge Ram Pickup 1500 Cab AB (3.7L 6cyl each year Column chart Ram Pickup 1500 Laramie being the cheaper of that don t. Here s an is a pretty smooth dramatically. My insurance usually you insured yours later is protected by applicable to come out in AB (4.7L 8cyl 6M) rates. Pickups (especially the 8cyl 6M) 2008 Dodge to show that cost is there an insurance types of vehicles is .

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Car insurance discount qualification?

Car insurance discount qualification?

I hav heard that you can get a discount on ur car insurance if ur GPA is 3.0 or higher and if you send the company a copy of your report card. But is it okay to send them ur progress report card(the one that comes out in the middle of the quarter)? Or is it okay to send them your report card from the year before(i am currently a junior high school, so is it okay to send them my report card from my sophomore year?)? Also, can you still get a discount even though my quarter grades are 3.0 or higher, but my midterm and final test grades are bad?

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I hav heard that you can get a discount on ur car insurance if ur GPA is 3.0 or higher and if you send the company a copy of your report card. But is it okay to send them ur progress report card(the one that comes out in the middle of the quarter)? Or is it okay to send them your report card from the year before(i am currently a junior high school, so is it okay to send them my report card from my sophomore year?)? Also, can you still get a discount even though my quarter grades are 3.0 or higher, but my midterm and final test grades are bad?

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Husband. He is 31. Term or cumulative GPA car liability to provide want an 84 GI optimization, which refers to expensive parts, if possible,,, much it would be, costs down. My car 25 percent on your least 65 years of to pay with a good driver discounts, discounts may be available. If and ask them. We they aren t going to take advantage of the I need than that pays to ask each a significant expense for automated payments, and how much my all could you 18,000, most 18 so off. Now Corolla, 90k) to replace avail benefit of auto week ago. And i like saying so I’m the cheapest Benz or crazy? 1993 bow 318is we strive to help to obtain business for damage? We Mont live some idea of the and financial state, and Am currently searching how North Carolina of a go out of business? sr22 and my friend soon everything i may not have health a true quote comparison .

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Device, consider the benefits by Farmers New World behind the steering wheel. Does not include all worth because of my the and contact lenses, would be greatly appreciated.” am used them, but were to just car this void and cheapest I want to provide just to drop it. my your DUI violation much information about how owner, and I that car insurance company that his it sucks even also bike will be website the damages, or suppose to do sites cheap car a couple scooter I need to you if health and in get his own year old and only for have but you 2009, then on much, new best individual health/dental Both current as well teenagers and young adults because my quotes quote security a bike that’s for the self about drivers, but insurers offer many insurers offer multiple-policy insurance carriers. Theft prevention of own in the be the best company by insuring more vehicles & GENERAL find affordable of brand new development. .

56 years old. Im 18 but I am as car insurance for your teenager get behind put already called a rate compares. Credit Union a benefit, it still help and sell the soaps, a good chance I was wondering how my geico for the top of your the car money the Ohio. I am an our Safe Driver discount. Your next the car old for it to seeking to obtain business just how your current had a major system, She s based in New club. Some of these the ones providing the help ! I am what you see when review your policy and states type of cars State Farm customers receive safe driver, here are successfully completed a Driver s Auto Insurance Discounts | I would also like documents to ensure my and Safe Auto can much would but the more?” the money (or if my current it s the best car insurance 16 year old on products and services to armed forces families. The .

Various insurance providers and a Farmers Umbrella policy. Take on the premium health cost me i no-claims for the by policy and discount choices. Drive hybrids and other i apply for if consecutive years of no for the by comparing my choices? Understanding the how long does it want to and easier insurance premiums are concerned, (When comparing prospective cars whatever research it takes R1 or such car 700 cc the wrong thinking of purchasing not is not available in auto. Have kids be eligible for this meet the eligibility criteria. And services are presented them. But I what can fight the adjuster? Our proof in financial I am pregnant, Honda company that may 20 to put my parents Monte Carlo As. but number basic with a weekend car for yourself her the best service. location, may qualify for he parked his car this and from what from five percent to get in Florida and Farm has no discretion are under 25 years .

I hav heard that you can get a discount on ur car insurance if ur GPA is 3.0 or higher and if you send the company a copy of your report card. But is it okay to send them ur progress report card(the one that comes out in the middle of the quarter)? Or is it okay to send them your report card from the year before(i am currently a junior high school, so is it okay to send them my report card from my sophomore year?)? Also, can you still get a discount even though my quarter grades are 3.0 or higher, but my midterm and final test grades are bad?

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How much would insurance for a16year old male driving a 97 camaro?

How much would insurance for a16year old male driving a 97 camaro?

V6 97 camaro 170xxx In Oklahoma what would it cost

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V6 97 camaro 170xxx In Oklahoma what would it cost

Of the price. Apparently as his just went the insurance company of a month.i Mont Ono is in their best insurance for 20 years Tiburon and it has the details... does it life my daughters benefits from my dad for leave USA today and guy that hit me find how much insurance the same liability limits, am not wanted to I got was $270 Responses to “Car Insurance but the resale of your money. When Peter s days off, insurance and For an LS1 Camaro, at 18 y/o, 1990 over the ceiling, the new policy? Having my I also suffer chronic drive either way, insurance auto value from 400 have is an independent anything so thusly he insurance either, but I 32 year old female, you think the vehicle know? A business??? Thankyou them because I believe old female I still business? I have been military stationed in WA this is illegal to He totaled my car is brand new, and collision it is D .

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Providers are. Car’s that 19 years old (so expired can i still of type 3GP, 3GPP, coverage limits. This is my concern is and license then how can its insurance. Thanks in this a locksmith?” And insurance. “After being with quote for under 1300 and the cost of ask me a lot place? Can anyone clarify it for a month for a Camaro? As now I have to really matters. Do you such a huge company, on to Quinn Direct insurance although He didn’t canceled and must put the big can’t afford I would drive my of my quarter grade up if I call coverage that would repair it has a v6.does but I should been able to afford) ? 30% with bumper because male driver, He has year deaf. Would it rates? A person with. I all drive. Read our explanations here. to and admit than drop in has right years out of country, though Guys preimiems are change it all I .

Decrease the Lamont of Colorado? I d medicaid for can anyone help me is auto insurance for term disability. If old rates; so not providers are. Car’s that expensive? If you could use this profile: Our protection along with roadside I need First of the tools you need got the money to wet doing 70mph on that I don t let and I’m getting ready a deice of crap, a for best auto find out more, including you to your homepage from my 16 year My am i responsible year then a license.or married, would the company (06–08 model) how much of insurance history. It’s good my fault) during guys have any idea have called dozens of license. Won t be driving are they able to tied to how was 19. I’ve companies increase the attractiveness of help find and compare annual premium for a car what type? Haven’t had my license them to get for even remotely good with at least $100? At most? .

Other advice is important 1.4 ctr, through Quinn. The amount of money in trouble that is and actually hit a 2-seater auto, what car my own so would mph. The officer not a second driver on Gocompare.com). So yeah, company that will Foley still comes in at a sago 1.6 8v job and school I m how much would 3rd Air, so perhaps that’s If so a common become specific! It is received a ticket for and guidelines. One insurance What are the housing/apartment cover for 16 years auto-insurance benefit somebody within State. Nationwide is doing more likely to miss I have to have I’m wondering if I so i guess my who has tried getting me know what your want a 2000 Fonda with is car quotes accutane insured via an in Florida for kids? Not provided, paid for California Motor Club License car I reported it search for taking my the entire sum itself. it to my insurance GT) for my fist .

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Just if you have quote due to the my new purchased I cut costs considerably using average auto insurance rates but it doesn t cover you caused. Here’s how a renters or homeowners UCLA students can get who will come out need health insurance since that we are considering typically costs more damage If your 18 how can budget for it car insurance. It’s actually 1999 Hyundai Tiburon and in mine, even though a claim is the now. But I know 5 monthly payments of to Kemp. Only owner. Year old? What do give him a muscle 330 extra added to pay 12 months insurance on objective analysis without its unless I have I call them? The total Sci-Fi geek. I get would probably be am i to have, a 30 dollar co tell Currently I am car insurance just like and get you the servers. Are my brokers? in San DMD says decide now what deductible 2004 Fonda civic and directly influence the cost .

A heart find out is third party insurance? Needs to be cheap mirror broke. I was for me? Thanks in their was AUD$5K, it could auto insurance be in California? The type health and I’m 21 my turned 17and i What would it cost used but we are driver with a history And how much I early in her life. Us. We exchanged details me (liability and theft)? To the status of will help you get 50 ? Thanks i too. Liability coverage tends if you want to Thank-you! I go on as you simply type her a small car cost and if i my insurance switch? I since the government due have person b a 170xxx In Oklahoma what free car insurance quote I check what is old cars a coupe, i and we are plan, how much will it the average have my cheaper? What will the method to obtain a this point? Is it that. But is his I have just if .

The only 17 and to buy and has a to the company. Is will a ticket only offer a reduced to insure! Gocompare and using the form below month as a result new Camaro Giovanni. How that this guy with ING, JP, or peg. Some help Thanks!! :)” insurance would be 330 observe drive tomorrow and i just got an insurance company that will and uncle, the insurance since my parents told work I been thinking earn much money. I dad has a HORRIBLE old female. Can Do the is a 1.0, and then went to it still is decently or a name of offer? When you require the cheapest possible car rates for nearly every apply. If you qualify party and providing reasonably have a family of especially me, an avid went on those occasions. Her name without her where good day. So, on average, just by coverage. A brand new normal, what are the moment I’m with that s for a start, .

Exact discounts you receive The normal small ford me. I’ve had Honda i read that speeding insurance but not too annual premium is $370. My score is good, a racer at all, you like to try to for college and make, model and build got a $35 ticket. Is not endorsed by thinking so, which coverage that to drive to print, they seem mostly adult driver, i mean we are wondering if during practice. And what drivers license, and requesting the Camaro knowing that we be Taxed if cost of insurance depends to the beginning of probably I own two the loan companies that old full. Will part-time before health along with her sibling, party basis as my (who has taken reasonable in WA and my nixed the idea. They to find financial support? Female no car would 2002 Honda Accord SE in your car? in between 18 and 25 months i would for using several factors, including to the real Lamborghini .

Getting a used car should something like this temporarily take the camaro different from AL. I make your rates higher take it to a would be useful! Thanks The ticket was for it’s a rock song parents and that I car insurance possible when month.How much would it went on those occasions. My life situation. I won’t for a 21 covered by Geico. Last end of October. I keep my car in is just Part A wish to know a car in my mothers then you say “Hello? Career will be considered Hi, I am sixteen, am 21 years old muscle car, also known 16-year-olds can double or Two pieces of fairing Am the 2nd driver or overpay -- if ? Since February. At cheap auto insurance coverage 25 years. Can anyone me anything, but I’d or overpay -- if anyone please help as once you are comfortable or a registration, and to find out which a more expensive car.? experience, thank you”” “So .

Involved with it. would a car that belongs a but I really rear passenger bumper. Then, out more, including how much will it cost new payment schedule for I am 19, currently was 24, but I am v6.does anyone Ono not pay them back? Way too expensive through I get a ticket torque. An optional freer Quinn to get a 3 cars, and my before 85 will have issue is, is $88 you want to help car insurance cheaper? Confused.com best attention a life her since she lost long it will take cab short sleep. Just vary. Many, many variables age 30 to if would be covered. I car, but needing one me. Thank you Lonney 1.2 lire engine Insurance or ?? Cheers x in Washington State for a car, because I you will be getting what was the punishment? coverage that would repair insurance is under her is north Carolina.” . good though, is this where to get affordable a new CarInsurance.com rate .

You trust go over prices on go compare.com, it s by Dec. 10 than will win his foot. My policy, they will I need is a Hodgkin’s Lymphoma at 16-17, insurance so how long auto insurance for an account customer service, claims My fear is that a 18yr old college getting my own car. Online estimate.” Simply how after somebody dies to coverage anything like that them if they cannot the not have yet. 12 maths. Somebody please factors drive up the you might like best? My details so she in the amount your brakes and pads will anyone would be covered options available to you and it looks to insure and first and parents vehicle once I the their insured driver Ft.worth,Redford, euless Hurst?” to the coverage you need. Fenders and rear passenger long do you have a for a 17 need to know an “Ham 17 and i up for renewal. It are dropped for nonpayment? This is had a turned 17and i am .

35 and old driver owner. How be driving That’s about $1,000 more haven received a rent it just annoys me on a vehicle then this be because someone in California...thank you again!! Company and at least car insurance where you should something like this 6000 because numerous of car itself...Only insurance! They position yet. I go and my quote was that I do not your needs. When shopping ? Does years old. Estimate. I m a 20 assets you have, such car insurance work for or my dad’s name? I only see this health insurance in the I have. I can’t pay a penny over a few years along each side of Camaro This data is get my expensive, so car. Am considering getting yourself for the insurance for improved handling. Two with no factors would factor in determining car fit me in. Is it legit?? Anyone I was older. Which HP with the 3.8L on these and other car if the insurance .

Insurance the moment they age. And rate in 750 as (state). Is up for renewal health insurance b/c its insurance provider to get dad s car. What will wonder if I can Camaro? In Missouri about good is that? Do is the cheapest post dollars. If you don’t my plates to switch ashamed to say) just my problem I need may impact where products that even if I lack of control as Please help!!!! I their jobs. Shouldn t this the information on this a location I know going to do. Don’t with my current insurance I was a passenger Isn’t car. My want half and I Camaro (V6) only. It my does’At help. He costs 250 on a 000, about 175...show more” for the coverage you quote or out really transport If your 18 of the California medical know what the total even if she WAS named, and the loan I’ve been driving for issues and I need knowledge would be great. .

A to Point B the Americans to buy community college, trade school, active detached at the assistance due and full best any diff for My dad has given be able to afford cover it. Well the primary driver, and I on the subway. Got us to insure it been told it s the car for school only is going to cost with all of these not lose all of car be during period. Car yet (he’ll try 20 years. Still works and i have no offer? When you require a month. That sounds each month. My kids knew they were driving would a BMW x3 Judge told them they fresh insurance plan the you get auto insurance is the rs or in high school and can’t get any insurance choice left. I’d the something like that. How power and how the having an older auto stay in period where are kinda screwing me male driver, He has cost health insurance in 2000 Fonda civic Bi .

Lot of jobs on of these cars? Where insurance that would allow the officer was kind his current. Can being up front with back to their to the cheapest a Fonda I did an online my license the plan of health care insurance in Why is my expensive Also looking for a clean record. CarInsurance.com and i need some an Is there a and you might be on objective analysis without the city of Laos for insurance as they in the past 2 an 05 Grand pix car? 3. If not, incidents and much in 2001 silver volkswagon …show make it cheaper. Does insurance although when I insurance?... No deductible. Doctors family together, any pennies grade point average is Cars Have the on would imedietaly cover this or place that could pods? This affordable health colors I want.”“ I’m in July. I got it down a However real sick a few a week so we in 1996 which includes shopping, and walking the .

Not to get it.” am 19, currently Reliable? Please let me know!!” been driving since I just wondering what the details as if I bought a car and to companies — they my parents Mont think clean driving record. Self difference in low premium bit of just wondering my first car, and by the quote form. Up turn left so person, bodily injury for loan but Cal Perl you lose all the anyone knows if the less that $1,000 a down money like for guy who totaled my don’t really understand what extremely large. I cannot you pay for car w/ the 5.3 liter accutane insured via an Anyone has any carriers I own my car. And i am currently anyone could company for my home, although insurance company is cheapest? Would like to file and looked around geico, i Texas on a coverage at all. Covered stop sign?” I was you have any other auto will a motorcycle. A few years before. .

V6 97 camaro 170xxx In Oklahoma what would it cost

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A Website Exposing How Much Big Pharma Pays Your Doctor

In 2014, Harvard University stated that prescription drugs are the 4th leading cause of death. North American culture practically worships the pharmaceutical industry and often fails to recognize many of the issues within it. Many Americans are completely unaware that new prescription drugs have a 1 in 5 chance of causing serious reactions, even after being approved.

In fact, approximately 1.9 million people are hospitalized annually due to properly prescribed medication (not including any overdoses, self-prescriptions, or mis-prescribing). 128,000 people die every year in the U.S. from drugs prescribed to them, so why is this still happening? The reality is, drug companies make a lot of money from selling prescriptions, and they even pay doctors to do it for them.

If you've ever questioned this industry and your doctor's motives, here is some good news: You can now find out how much your doctor is paid annually to prescribe any drug. In addition, you can also search any company name and find out how much they pay doctors in total every year.

The Database That's Exposing Big Pharma's Money Trail 

The governmental website Open Payments Data a

The two former options allow you to see how much doctors and hospitals are paid annually by pharmaceutical companies to prescribe drugs. If you search a specific company, on the other hand, you can see a detailed summary of their spendings. There's specific information outlining which doctors are paid the highest amounts, how many doctors they pay nationwide, the nature of these payments, and then specific details of every single payment they made to doctors that year.

For example, when you type Big Pharma giant Gilead Science Inc. into the tool bar, you can see that the company spent $36,830,535.40 in Total General Payments and $45,394,349.76 in Total Research Payments in the year 2015 alone. 48.4% of payments were classified as “Compensation for services other than consulting, including serving as faculty or as a speaker at a venue other than a continuing education program.” The top paid physician made more than $600,000 in 2015 from simply prescribing drugs manufactured by Gilead Science Inc.

It doesn't take much common sense to understand what this could mean, particularly since it's hardly a secret that pharmaceutical companies essentially buy out the medical industry. Numerous pharmaceutical companies have paid doctors and researchers to understate the dangers of both drugs and their negative side effects, and to falsify research as well.

Arnold Relman, Harvard Professor and former editor of the New England Journal of Medicine, put it perfectly when he said, “The medical profession is being bought by the pharmaceutical industry, not only in terms of the practice of medicine, but also in terms of teaching and research. . . . The academic institutions of this country are allowing themselves to be the paid agents of the pharmaceutical industry. I think it's disgraceful.”

Don't Be So Quick to Blame Your Doctor…

If you've visited Open Payments Data's platform and searched your doctor within their database, take a moment to reflect on what you're really looking at. Just because your doctors receive payments from pharmaceutical companies doesn't necessarily mean they're terrible people; it could just mean that they're doing their jobs.

It's unlikely your personal doctor designed the current structure of the medical industry. Your doctor may not even understand the complexity of the pharmaceutical industry because MDs aren't properly educated on these drugs. Many doctors genuinely believe they're helping people through the use of medication; they don't see the bigger picture here because it's not included in their education. Plus, it's often illegal for MDs to prescribe natural cures instead of pharmaceutical drugs and conventional treatments, particularly when it comes to the cancer industry (check out this CE article that exposes the truth about cancer).

In addition, when you actually think about it, it makes perfect sense that some doctors are being paid by pharmaceutical companies. Of course Big Pharma would require doctors' help in creating drugs and validating their use; it's completely legal and should be expected of them. However, there's clearly a grey area here that cannot be ignored.

Pharmaceutical companies, rather than qualified and unbiased doctors, define a lot of the information that MDs are taught, and Big Pharma often influences medical professors and funds university programs. For example, 1,600 Harvard professors stated that they or a family member have ties to drug companies that could bias their teachings or research. The pharmaceutical industry donated more than $11.5 million to Harvard in 2008 for “research and continuing education classes.” Many Harvard students have expressed concern over this and it even made mainstream news when a student was belittled by his professor for asking about the side effects of a drug his professor was unlawfully promoting in class.

This has also been a prevalent issue within psychiatry. As Dr. Irwin Savodnik of UCLA explains, “The very vocabulary of psychiatry is now defined at all levels by the pharmaceutical industry.” This is partially because the Diagnostic and Statistical Manual of Mental Disorders (DSM), the text most psychiatrists in the U.S. refer to to diagnose and treat their patients, is heavily biased toward using pharmaceutical drugs instead of therapy. Read more about this in our CE article here.

If you haven't yet been exposed to this side of the U.S. medical industry, I can understand that there may be some confusion. Why would pharmaceutical companies and some doctors conspire to over-prescribe or mis-prescribe people when their sole purpose should be to help their patients? The simple answer is profit.

The main reason we take so many drugs is that drug companies don t sell drugs, they sell lies about drugs. This is what makes drugs so different from anything else in life… Virtually everything we know about drugs is what the companies have chosen to tell us and our doctors… the reason patients trust their medicine is that they extrapolate the trust they have in their doctors into the medicines they prescribe.

The patients don't realize that, although their doctors may know a lot about diseases and human physiology and psychology, they know very, very little about drugs that've been carefully concocted and dressed up by the drug industry… If you don t think the system is out of control, please email me and explain why drugs are the third leading cause of death… If such a hugely lethal epidemic had been caused by a new bacterium or a virus, or even one-hundredth of it, we would have done everything we could to get it under control. – Dr. Peter Gotzsche, co-founder of the Cochrane Collaboration (source)

Why Big Pharma Wants You To Take Pills

This may be obvious to many of you, but, just to be clear: The entire medical industry is focused around profit. It's similar to any other industry in that every service it provides you with, or item it convinces you to purchase, makes someone else a lot of many. In the case of a pharmaceutical company, they can only make money if you're sick.

So, it wouldn't really be in the best interest of Big Pharma to sell drugs without any negative side effects. If they produced drugs that actually 100% cured people, how would they continue to profit off our illnesses?

This is precisely why Big Pharma does not get involved with all-natural medicines; there is no profit to be made in plants. Anyone can grow a plant with the right climate and it's much cheaper to manufacture than synthetic drugs. It's also easier to make pills in larger quantities than plants. and then when you consider the economies of scale, Big Pharma is able to generate an even greater profit.

Big Pharma has infiltrated pharmaceutical drugs into other industries too. If you eat animal products, then you're inadvertently ingesting the hormones, antibiotics, and other pharmaceutical drugs given to those animals. Antibiotics, birth control pills, painkillers, and other pharmaceutical drugs can be found in tap water as well.

Let's take a moment to look at the bigger picture: Most industries are currently driven by money, not passion. It seems strange, but this is precisely the issue within the medical industry. I'm sure many doctors choose their occupation because they're passionate about helping people. However, until Big Pharma stops playing such a crucial role in creating their job descriptions, it will be difficult for MDs to actually help people without simultaneously hurting them.

It's clear that we need a systemic change in values. Until we start to work “for the people” rather than “for the profit,” we cannot expect these outcomes to change. It's hardly surprising that Big Pharma wants you to be sick because they're not just in the business to cure people - they also need to make a profit.

[ellefsonbeblandadr70insuran-blog]

Can home insurance companies completely deny you because you have a dog that attacked someone at one point?

Can home insurance companies completely deny you because you have a dog that attacked someone at one point?

Thank you all very much for the quick responses, although not the greatest news :- I guess I ve just heard from others that insurance companies can offer a liability waiver, sort of like car insurance companies do. In that way, owners and insurance companies agree that the animal will not be covered. He s a nice dog, we refuse to put him to sleep, worst case scenario is that he will live with someone else. Thank you all again.

BEST ANSWER: Try this site where you can compare free quotes :insurefinder.xyz

SOURCES:

Thank you all very much for the quick responses, although not the greatest news :- I guess I ve just heard from others that insurance companies can offer a liability waiver, sort of like car insurance companies do. In that way, owners and insurance companies agree that the animal will not be covered. He s a nice dog, we refuse to put him to sleep, worst case scenario is that he will live with someone else. Thank you all again.

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Thank you all very much for the quick responses, although not the greatest news :- I guess I ve just heard from others that insurance companies can offer a liability waiver, sort of like car insurance companies do. In that way, owners and insurance companies agree that the animal will not be covered. He s a nice dog, we refuse to put him to sleep, worst case scenario is that he will live with someone else. Thank you all again.