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[thewestmeetingroom]

The West Meeting Room - Thinking Forward: A Hip Hop History Lesson with Dr. Francesca D’Amico-Cuthbert Transcript

SPEAKERS: Francesca, Jessica, Zoe, Braeden

Jessica:  Hello and welcome to The West Meeting Room. We are broadcasting from Hart House and you're listening to CiUT 89.5 FM and we're grateful to be taking up space on Dish With One Spoon Territory. I'm Jessica Rayne, Program Associate at Hart House and I'll be your host for today's show along with my colleague Zoe Dille. Today we'll be discussing all things Hip-hop and social justice with Hip-hop Historian Dr. Francesca D’Amico-Cuthbert. Dr. D'Amico-Cuthbert is currently doing a Postdoctoral Fellowship at Jackman Humanities Institute at U of T. Expanding on her previous research which focused on Hip-hop culture, identity and Anti-Black practices and systems of power. Her current project will explore the history of the music industry, and how it shaped the collective agency of people who are part of the Hip-hop community in Toronto. We are so delighted to engage with Dr. D'Amico-Cuthbert again as part of the Hart House Hip-hop Education program. So please check out harthouse.ca to learn more about the many Hip-hop Education programs and events that we have for this year. You can also follow us on social media @harthouseuoft.

Zoe:  Alright, so I want to thank Dr. Francesca D'Amico Cuthbert and I wanted to start out with a few introductory questions and get us all up to speed. So my first question for you is tell us a little bit about what does it mean to be a Jackman Humanities Fellow? And what's your sort of area of research and a little bit about the work that you'll be doing as a Fellow this year at U of T?

Francesca:  Sure. So the Jackman Humanities Institute, I was invited for the 2020-2021 cohort to look at their general theme which focuses on collectives. And so a lot of people are thinking about collectives in a variety of ways. But in terms of my work, I was invited as part of a role where we're engaged with the community. And so the community of my choice was the Toronto Hip-hop community. And so I guess a little bit about the research that I'm doing there - At the end, close to the end, of my doctoral project, I started thinking about, you know, how I would like to kind of shift the focus of my research, and where my new interests lied. And I found that I was increasingly interested in the nature of systems of power, and how systemic inequalities have taken shape across various historical periods, particularly in relation to Anti-Black practices in various systems of power. And so my current Postdoctoral project at the institute expands on research that I had already been doing about the Toronto Hip-hop community, which to date had really been focused on the role of Canadian rappers in articulating a very specific set of ways of thinking through Black Canadian-ness, and particularly how rappers engaged complex dialogues about the politics of nationhood, citizenship, and what it meant to belong to Canada and what it meant to be Canadian. And so when I started thinking about how to shift my research interests, I decided that I wanted to explore, in greater depth, the history of the racial economy of Toronto’s music industry, and in particular, how it's shaped the collective agency of people who are part of the Hip-hop community in Toronto. And in particular, what it meant to be a practitioner and to have access to resources and revenue streams and also exposure in the marketplace, which historically, for people who are Hip-hop practitioners in Toronto, it has been a very uneven infrastructural support system for the homegrown set of artists here. And so I'm really interested in thinking through why it is the market looks the way it does and why, in some ways, you know, when we look south of the border, there's a really deep and elaborate and profitable American music industry in relation to Hip-hop. And so you know, some of my major questions are Why does the Canadian market not look the same way when we have great talent, and we've had a long history in Toronto Hip-hop culture dating back to the 70s and 80s.  

Zoe:  Wow. So that is a whole lot to unpack.

[laughter]

Francesca:  Sure, yes.

Zoe:  And actually, luckily enough for us, we do have, throughout the course of this interview, we do have a few questions that kind of circle back to some of the themes you brought up, particularly around this kind of dynamics of power, Canadian national identity. And, and just kind of unpacking a little bit this kind of critical, social and racial justice moment that we're at. But to bring it back to the beginning, let's say, you touched on your PhD research... I want to just flip it over to Jessica to kind of sort of ask you to get into a bit of your early years, like maybe pre or during your PhD years,

Jessica:  Yeah, Francesca - So I think, you know, we're really so interested in the work that you're doing. Especially as we look at Hip-hop Education, as you know, a way to engage students at Hart House and at U of T. But I wanted to ask you really about that journey, because I think it's very unique and very interesting. So I want to bring it to the beginning and kind of ask you about what was that first introduction to Hip-hop? What was that connection that kind of led you to now pursuing an entire career, an academic career at that? So going through your PhD, getting that PhD, and then also making that career of research around Hip-hop. So you can take it back just to share your journey. What was it that connected you to Hip-hop to make it, you know, kind of like your career calling?  

Francesca:  Sure. I think there's a couple of things. So interestingly enough, though I consider myself a scholar of Hip-hop, my interest in Black music, and Black music that’s oriented towards social justice, actually began with Janet Jackson. For those of us, you know, not to date myself, but it's my most favorite album,

[laughter]

Zoe:  I'm laughing.

Jessica:  Yes! My sister’s obsessed with Janet Jackson.  

Francesca:  I'm obsessed. I think the first time I really got into social justice music by Black artists was with Janet Jackson's 1989 album Rhythm Nation 1814. And at the time I was - so I have an artist background, I think is the first thing that really drew me towards culture. Period. So at the time, I was taking dance lessons. And I remember our dance teacher for the year decided that we were, our end, you know, our final piece for the year would be choreographed to Rhythm Nation. And I remember seeing Janet, you know, on television, on Much Music. And I was enthralled, you know, by her talent, but especially by the lyrics in that album. And I know, I wouldn't learn until much later that Janet was inspired by a lot of the news cycle on CNN, you know, when she was writing that album. Things like school shootings across the country that were happening, but also like a lot of R&B Artists at the time, they were looking at the power of Hip-hop culture. You know, ‘89 is also the same year that Public Enemy released Fight the Power. So there was a lot of social consciousness stirring in Black music in the United States as a whole. But Hip-hop was really a source of interest for artists outside of the genre. And so I think my love of Janet and the social consciousness that was a huge part of that album was also paired with the fact that I remember, you know, watching much music as a child and seeing Maestro Fresh Wes on television. And it, you know, at first I didn't realize he was Canadian. And I think, you know, part of what made him so interesting is that within the Hip-hop aesthetic, he really set himself apart in the way that he was dressed. You know, he was dressed as an orchestra conductor, which I think, again, you know, as a young person, you don't always think about how powerful these images are until you begin to deconstruct them in your older years. But even seeing Maestro in that aesthetic was really powerful because it challenged the aesthetics, the Eurocentric aesthetics I should say, of what we imagined an orchestra director to look like - Or sorry, conductor. And so beyond those early years of being a dancer, I also eventually would become a musician and I would go to art school as a high school student. And so I was really immersed in music and dance and theater. And so once I went to university, I also paired that with a love for history, because I'm a trained historian. And so, once, I had dreams of also being a lawyer. I mean, like every young person, you know, what you hope to be shifts and transforms over time. So I was always interested in social justice and culture. And when I decided to apply for my graduate degree, I really wanted to find a way to marry those passions together. And of course, loving Hip-hop as being a part of the Hip-hop generation. I initially did my master's degree, with a focus on the music that came out of the Civil Rights and Black Power movement. So soul and funk in particular. And once I decided to pursue a PhD, I decided that I wanted my years to be focused on Hip-hop, both in the United States, and I've done some work, obviously, on Canada. And then I increasingly became an interested in Hip-hop Education. So I mean, I think that over time, my interests have shifted ever so slightly, but I've always been consistently interested in thinking about the role of culture in social justice movements.

Zoe:  So I have to say, you've made me rethink Janet Jackson in all new ways. And I'll have to go back to Rhythm Nation. I mean, it was great. I remember that video was just killing it back when, you know, Much Music was the thing and MTV and all of that. And, you know, from a choreographical standpoint, like she's amazing and stuff. But I have never really looked at her as a continuum of a kind of social justice movement, you know. So that's interesting. But the other piece I, and this is kind of what you've just said, kind of leads into the next few questions that we have... So you mentioned you're a trained historian and I feel, and I just kind of wrote this, I wrote down that phrase “trained historian” because I feel, in some ways, that is kind of the role and purpose of Hip-hop as well. Like it's a repository of histories and voices and narratives. And so I just thought that was an interesting, parallel. But to go back to a bit about what you just said about Maestro and seeing him and what he challenged for you visually and not even knowing or kind of immediately assuming, or not assuming that he was Canadian. It kind of leads into this question that I have for you, which is how do you feel that Canadian Hip-hop is both part of the overall Hip-hop narrative? And more specifically, how does it inform the Canadian identity? Specifically, if you feel that it does -  well, I think you do - but in what ways do you see, you know, those relationships?

Francesca:  I think being part of a larger Hip-hop canon - of course, the early pioneers in Toronto were looking south of the border to places like New York City, and thinking about how they were going to contribute to the culture and construct also a unique narrative. If we look at the early generation, the you know, the architects of Toronto Hip-hop, I think that they were trying in their own way to contribute to the culture. So as to be accepted inside of that Hip-hop narrative. And it's not really until we get to, in some ways, the what was called the second generation, you know, of Hip-hop practitioners in Toronto, where we start to see musicians in particular carving out a very unique narrative. So we think about artists like Kardinal Offishall, who on his song Bacardi slang really tries to set apart Toronto, and into some degrees, Canada more broadly - but Toronto specifically from their American counterparts. So as to just suggest that there's something unique happening in Toronto and Hip-hop being very much a trans local art form, meaning that it's connected, you know, these very various local spaces, you know, Toronto, New York City, Los Angeles, Atlanta - all of these places are connected through Hip-hop culture and the pillars of Hip-hop. But they also have very unique stories to tell based on the places that these artists come from. And so, I think that in a lot of ways, while Toronto artists were trying to be a part of that culture by practicing the forms within Hip-hop, whether it be breakdancing or emceeing, or graffiti writing, or DJing, I think they were also trying to find ways where they could represent themselves and their city. You know, claim their city, first off. First, we know Toronto, of course as the Tdot or the T dot O, and later, you know, become “the six” through Hip-hop culture. And so trying to claim that local space, but also trying to articulate their own identity. So within a larger framework of multiculturalism, I think Hip-hop, which in its early days in Toronto had an incredible amount of Caribbean inflections, whether it be the use of instrumentals, or the vocabulary, you know, used in Hip-hop, a Toronto Hip-hop, or the vernacular even.

Zoe:  Which is common, sorry to interject but you're just - On that point, I mean, that is really going strong today, because those cultures, Hip-hop and Dancehall have blended. So, almost you know, seamlessly in a lot of ways, right? And you hear, as you say, those particular inflections, or you hear specific words, or you see a lot in here, a lot of patois. You see in here, a lot of Dancehall kind of beats, and it's really interesting to have seen how that has just strengthened, you know, from the early stages that you just referenced up to now where it's completely normalized to have somebody who is not of any kind of Caribbean descent or anything, have some kind of word, some kind of rhythm or be participating or partnering with someone who is from the Dancehall world. It’s completely acceptable now.

Francesca:  Right. And I think, of course, you know, it's interesting how so many people who, let's say are the younger generation, or who are not familiar with Toronto, imagine that to be the way Toronto speaks. And I think that's an interesting phenomenon. I think, too, for those of us who teach the history of Hip-hop, or engage in Hip-hop education, there's also a potential danger in that because it tends to erase the contributions of Caribbean Canadian artists and to identify the fact that the inflections are in fact, from, you know, routed through the Caribbean. And it's not - it has come to be known as the way Toronto identifies or, you know, speaks, for example. But I think that if we don't do the work to continually remind people that this is a Caribbean contribution to Canadian Hip-hop identity, I think there's a danger of erasing that unique element of, you know, what really sets us apart from other places in the Hip-hop, you know, globally to say, right? Even though places like New York City have comparable, you know, demographics in terms of having large communities from the Caribbean who have migrated to New York City, there's something unique that's happened here in Toronto, where it becomes the forefront of our Hip-hop culture in a way that I think has not necessarily come to be in the same way in New York City. Even though certainly, you know, we could think about a number of Caribbean American artists. You know, whether they be Phife Dawg, you know, from A Tribe Called Quest or Busta Rhymes. They certainly are, they're, you know, they're in that Hip-hop community, but it hasn't been as much as in the forefront as the collective Toronto community.  

Zoe:  Interesting. So Jessica, hope you're taking note of that with Drake because...

Francesca:  He’s certainly, you know, a controversial character for some folks.

Zoe:  Well, yeah, he definitely does exactly what you just said. I mean, he goes to Jamaica a lot, as many artists do and he's collaborated with various artists. And he also has that inflection, he uses that vernacular, etc, etc. Right? And so for the biggest selling artists, not just Canadian, but like worldwide like that, What is that? What does that say? Just to your point, Francesca. So when you meet up with him, Jess, you need to have that conversation.

[laughter]

Jessica:  Definitely. I have a lot of questions myself for him.

Zoe:  Yeah, I know. But just so so much there again. And you know, just trying to make sure we do justice to all these points that you've brought up - you were you were speaking about Michie Mee earlier and about Maestro and I know you have a lot of love for Eternia as it were. And I wondered if you wanted to just kind of say a few words about who she is? And how, why do you think she's important? How she kind of fits in with the narrative of those, those other artists that you've referenced?

Francesca:  I think, you know, one of the reasons, one of the things I find so incredible about Toronto, is the way that female talent has been not just at the onset of Hip-hop culture - you know, we think about artists like Michie Mee, right? You know, she in a lot of ways represents that, you know, the famous Hip-hop recording, Ladies First. You know, the first of our talent is female. Which I think is a unique attribute of our Hip-hop story in Toronto. The fact that the first artists to really gain traction, it was a woman. And that sets us apart from many other Hip-hop spaces. And I think, you know, whether we think about, you know, artists like Michie Mee or Eternia, or you know, more recently, the ladies of The Sorority - Toronto has always been a city where female rappers in particular have been incredibly strong in terms of their contributions, lyrical or otherwise. And they've always been supported. You know, one of the things that I've loved watching as I've interviewed a lot of architects of the Toronto sound has been the way that male rappers really support female rappers in this city. And just watching that camaraderie is a beautiful thing. And, you know, very specifically when I think about an artist like Eternia, I - one of the things that I really appreciate about her and I certainly tried to model in my work as an academic who's a guest, you know, in Black studies and Hip-hop Studies. In particular, is the way she shows a deeper appreciation for the culture. You know, she always gives artists who set the template, Black artists in particular who set the template, she always gives them their respect and their due and I think she's a great representation of what it means to be a guest in the house of Hip-hop. And it's certainly one of the, she's one of the people that I certainly look to in the culture and try to replicate that way of being.

Zoe:  Definitely. And, you know, we have to respect people like her and many others and, you know, recognize that we have this incredible talent pool and these incredible voices right in our own backyard, so to speak. And so, given, you know, what you just said there, and all the work that you've done, both your kind of personal journey and now being a fellow at Jackman, why is it you feel that it's important to bring Hip-hop and to bring the areas of research that you're currently involved in into the academic environment? And how do you think that reframes Hip-hop as a culture? Or does it reframe Hip-hop as a culture within the academy?

Francesca:  I think, yeah, I absolutely do think that it reframes Hip-hop, both in the academy, but in in the broader cultural conversation. I think, for me, studying Hip-hop is important for a variety of reasons. I think, you know, first and foremost, it's important to think through the way that artists experience systems of power. You know, because oftentimes, when we think about musicians or you know, celebrities more broadly, we see them as people of privilege. In particular, the way that we imagine celebrities. And I think it's important to remember that they too are experiencing systems of power, particularly when they're so visible in the public eye. And so for me, it's been really important to look at Hip-hop culture and think through the ways in which they, the practitioners I should say, have engaged with the culture industry, and how the structures and mechanisms of power within culture industries, whether we're talking about the US or Canada, have supported the art that these practitioners have put forward or fail to support, and have even challenged these artists in terms of their politics and their identities and what that looks like. Because that's often being done in the public eye for us to see. I think in particular, in the Canadian context - and one of the reasons you know, that I've been driven to focus on my upcoming work on the music industry, in particular I think historically, when we think about the academic work about the Black music tradition in Canada, so much of the attention in the literature, whether we're thinking about a discipline like history or other fields, such as you know, communications, or music studies even, there has tended to be a focus on rock music in particular. And I think one of the reasons for that is because it tends to be considered a trope of Canadian-ness in a way that other forms of culture have not. And so, you know, one of the things that I'm interested in, is thinking about Hip-hop culture. And how studying this community and their contributions to Canadian culture more broadly, can tell us a lot more about the history of broadcasting in this country and the protection strategies that have been used to protect a you know, “Canadian culture”, you know, what exactly does that look like? Especially in the strategies that have been implemented by institutions like the Canadian Radio Television and Telecommunications Commission, which is also known to us as the CRTC. And in particular, strategies, like CanCon, you know. So I'm really trying to think through what CanCon means to the nation. And I think when we look at Black music, in particular in Hip-hop, and Hip-hop especially, what we see is that these protectionist strategies have have failed really to incorporate that important contribution to the country. And they have, those strategies have uniquely affected the work of Black artists and their ability to generate a thriving platform that showcases their artistic contributions.

Zoe:  I, I feel like what you said, it just struck a nerve there so much, because we do look at - we are kind of told in many different ways through you know, dominant culture that classical and rock n’ roll are the things that, you know, define what Canadian culture is. And yet, you're so right about Black voices. I would also add Indigenous voices, obviously, to that, and a really interesting and informative, you know, Hip-hop cultural scene within the Indigenous communities. But that both of those communities, what they're talking about is actually, you know, the alternate or the underlying kind of history of all of Canada, right?  

Francesca:  Absolutely.  

Zoe:  And the one that you don't get in the textbook. And the one that now at this particular moment in time, there's a lot of push back on like, whose stories are being told? What truths  and you know? And just yeah, it's just really interesting to look at it through the prism of like, Ken Coleman, and through the prism of like CanCon and what culture is promoted and what isn't and what's excluded.  

Francesca:  And I think too, you know, what we also need to remember, that’s not specific necessarily to any type of geography, but it's that Hip-hop culture as a whole - and, you know, I look primarily at Rap music - but Hip-hop as a whole is a way to create and project forward a counter narrative. And so, you know, in my early dissertation work, when I was completing my doctorate, I was very interested in thinking through what is the story that Hip-hop tells us about the United States, because my early work was on the US. And when we look at Hip-hop, we start to see the nation in very different ways. We start to see systems of power in different ways because Hip-hop is a story of people who are disempowered at very many intersections, whether we're talking about race, class, gender, sexuality, you know, different geographical spaces. And so I think if we incorporate the stories of Hip-hop into larger narratives about broadcasting history, or the Canadian culture industry, what we are going to see are these stories that are exacerbated by different forms of oppression. You know, it's one of the reasons why, you know, in the last month or so we've seen the introduction of groups such as Advance, which is a Black music collective that is trying to address a number of Anti-Black, systemic issues that are in the music industry. And so when we archive the stories of Hip-hop in the broader Canadian culture industry, we will be able to see that this isn't just part of the present or the contemporary moment. This has a historical trajectory dating back, you know, in the Canadian culture industry for many decades. And so I think it's important to do that work because so often when we're talking about systems of power in particular relation to Anti-Blackness, there seems to be this continuing narrative that circulates that these are new instances. When in fact those of us who have been studying and for people who have experienced systemic oppression, they will tell you that this is not new at all. And so doing that archival work is really important, too. Educating the public about the long history of Anti-Black racism in Canada. And the way of course it appears with anti-Indigenous racism in the settler colonial context.

Jessica:  I'm just here listening to both you and Zoe go at it.  

[laughter]  

And I think it's a great conversation. Sorry, but I have all these questions to ask. It all sounds just so amazing. And like, the way you're articulating this. It's just bringing it all to, like home. So, Francesca, the question that I have, in particular is around when you mentioned Eternia and you know, we really respect Eternia as well and love working with her. But you talked about how she, you know, recognizes that she's a guest in the space. And I wanted to talk about the kind of the research that you do and entering a space that you necessarily, you know, are not affiliated with, in a sense of being a musician, or you are a musician, but I mean, Hip-hop artists, or being a part of that kind of experience. So I wanted to ask around, like, how that is for you and your position, and the powers that you hold as an academic and being, you know, visibly white, highly educated? How is it for you to navigate these spaces, build trust, and negotiate these relationships to tell the stories of the people that you are interacting with?

Francesca:  That's a great question. I think - so when I began doing my doctoral research, which was primarily focused on the ways in which rappers articulated their identities. So not just being musicians, of course, but also, you know, my full focus of my research was really on Black rappers in particular, and those who identified with urban spaces and working class identities in particular, and working poor identities. And so one of the ways in which I try to address, you know, the fact of course that I am not American, you know, first and foremost - I, as a visibly white person, I do not share the Black experience, you know, certainly not the Black American experience. And so, I think one of the most important things to do as a researcher who may be an insider, in some ways - you know, the fact that I'm a musician - but you know, I am an outsider in a lot of other ways. And so one of the important ways to rectify or address this head on for me was to always center the voices of the artist. And so their voices, whether it was in interviews, whether it was in the music, whether it was in various other archival sources, was to put their voices front and center and to recognize that as an academic, you are also always collaborating. You, as a historian, I should say, you're always collaborating with those in your study. And so I wanted to center their voices. But I also wanted to do a lot of listening. And I think in general, that's how we can move beyond, you know, outside of the Academy. I think that's one of the important elements of being part of any social movement. You know you have to know when to speak, and you have to know when to sit down and listen. And so a lot of my work, of course, centers around recordings, and I had to do a lot of listening. I spent a year and a half just doing archival work, listening to records between you know, the mid 1970s through to the mid 1990s. And just listening to what the artists were saying, what were their central concerns? How are they articulating themselves? What exactly were they articulating? You know, what were the social and political ideologies that emerged from that work? And what I found was that through their voices, rappers were using culture and Hip-hop culture, in particular, as a politically useful battleground to unmask persistent forms of coloniality in the afterlife of American slavery. And so I wanted to think about Hip-hop culture, not just in the moment of the late 20th century, but I wanted to think about how these artists were part of a long Black music tradition that connected back to the period of enslavement because I saw that there were patterns that were beginning to emerge, in terms of what they were saying, and how their commentary was connected to the commentary of their musical predecessors. And what I found was that as rappers began to embolden their consciousness in a variety of formats, whether it was about class and capitalism, or gender representation, or the life that they were experiencing as a racialized person in the United States - I found that Rap became a place where they were able as artists to transform dispositions of power by narrating to the American public through Rap music, in particular, that Blackness in the United States had been continuously framed in discourse as terrifying. Even while at the same time, Black people and Black communities broadly, were continuously subjected to not just racism, I, you know, in my work, I call it Anti-Black terrorism in the form of things such as police brutality, or vigilante violence that is enacted, you know, in communities, for example, between neighbors, as you know, as an example. And so in my work, I looked at how Rap music became a form of expression where Black artists who, you know, were not politicians, and you know, capital P politics, but where they can vocalize their demands about any number of issues, but also rupture dehumanizing discourses that had existed of Blackness prior to the late 20th century. And not just in that contemporary moment. And also, in doing so, reveal abuse of systems of power, and ultimately undermine prevalent myths that existed in the late 20th century about America being a nation that is colorblind - which, of course, you know, being that we're in the 21st century we know has continued, in terms of a practice. And so in my work, I begin by looking at how Hip-hop culture was initially constituted in terms of race, gender, and class identities. And then I proceed to think about how Hip-hop fared once local, state and federal governments responded to the various critiques that were coming out of Hip-hop culture, whether it was their reflections on mass incarceration and the war on drugs, or other issues, such as Anti-Black policing practices, strategies used in electoral politics, the way that the education system is shaped and how it impacts young Black people. And of course, capitalism and what impact it has in terms of the way that urban spaces are constituted, and the experiences of being poor in particular.

Jessica:  Wow. So what what I'm hearing is like, yeah, it's really a collaborative and reflective process with researching and working with the artists that are included in this research, and what comes out of it. I wanted to also just ask, and, you know, when you're doing this, what is the hope out of the research? Is that like established at the beginning with those that you collaborate with, or those who are part of doing this research what the hope of whatever is being created, what it's for, or what will come out of it?

Francesca:  I think that changes over the course of your research. You certainly have ideas about what you're hoping to achieve. But I think you know, primarily as a historian, we use the archive, you know, the power of the archive. And for me, part of my work also challenges the notion of the archives. Because in a lot of ways, the archive is shaped by colonial thinking and practices. And I wanted to think beyond the archive, beyond these institutional spaces that I think a lot of times, don't properly capture the voices of everyone in any given society. And so for me, I was using items that have yet to be archived, in part, because I'm doing a living history. So whether it was interviewing the actual artists, listening to their music, watching recorded performances, you know, reading their liner notes. I watched a lot of congressional hearings, you know, because I was thinking about the way that Rap was taken up at different levels of government. I think that over the course of my research, my hopes for the project changed in important ways. But I think once I reached the end point of the doctoral process, for me, there were really three things that I hoped people would take away from the research, I think. First, it was really important for me to highlight, through my work, the role of culture in the lives of young people because I think oftentimes, we forget that Hip-hop, the architects of Hip-hop, were teenagers. They were kids. And so one of the takeaway points is that Hip-hop became a powerful tool for young people who often in society, we tend not to listen to young people. We tend to discount their thinking, their observations, the way that they're taking the world in. And so for me, I wanted to really respect the knowledge of young people and the ways in which they use Hip-hop to critically analyze and in effect respond to systems of power that were really crushing them in the late 20th century. I think the second thing for me was that I really wanted to create a piece of work that presented nuanced readings of Hip-hop beyond what tends to happen in public discourse - which is that Hip-hop is often characterized as an art form that promotes violence and substance abuse and narrow representations of gender and sexuality. And I really wanted to create a piece that helps readers understand the nuances of Hip-hop. And not just the nuances but to treat the form with respect because I think Hip-hop culture has contributed a tremendous amount, not just to the United States, or to North America, but globally as well. And I think the third and perhaps for me, the most important point that I wanted to come across in my work was that I wanted people who are reading to understand is that rappers are knowledge producers. They are public intellectuals and they are entrepreneurs. And I think throughout the history of Hip-hop culture, whether we're talking about in the United States or elsewhere, these young people have time and time again demonstrated to the public their acute ability to think critically about the world that they inhabit. They have the ability to contextualize their experiences within much longer histories of race and power in particular. And I think in a lot of ways, Hip-hop offers us, not of course in all forms of Hip-hop, but certainly in a number of forms of Hip-hop or sub genres, it offers us a way to think forward about the societies that we live in and strategies that we can use to unravel, and when Hip-hop is at its very best, strategies to decolonize our current conditions. And I think that certainly applies to the U.S. as well as in other places across the globe.

Zoe:  I think um, that is such a, as we pretty much near the top of the hour here, that is such a kind of beautiful and hopeful message because that was kind of going to be my closing comments, last question to you about what is kind of like the - where is the hope in Hip-hop? And how, what do you think it can aspire to, particularly in this really challenging, you know, moment and when there's a lot of community trauma that is coming up and death and injustice and all kinds of stuff. So I think looking and positioning Canadian Hip-hop, Hip-hop writ large, and the people that are producing it as kind of knowledge keepers and cultural producers, as you just said, is really - it's not something that we often think about. We think about what those kind of, you know, high artistic practices that are from a European perspective that we've been told, like, these are the only things that are of value, right. And so as you said, sort of time and time again, I think Hip-hop has shown that it can produce a more informed and a more true reflection of what is going on and a true a count of history. So there's that kind of counter narrative, but it's also the best teacher about how to continue this decolonizing work.

Francesca:  Absolutely. I think especially in the contemporary moment, in terms of a number of our social justice concerns, I think Hip-hop is as much, you know, political commentator, as it is historian and that's why I find it such an interesting form. I think, in the current moment, with all that we're facing, Hip-hop, at least as I've seen, you know, when I've been looking at some of the musical contributions across 20, you know, the year 2020 – I've really been thinking about, you know, what are the benefits that we can draw from Hip-hop? You know, what does it teach us? What can we draw from it, whether we're in the academy or not? Because I think it teaches everyone in unique ways. But for me, you know, some of the things I've been thinking about is that I think one of the things that Hip-hop does is it continuously throughout its history has always connected the contemporary to the historical. You know, this is the way it is, a historian. So if I think about, you know, and I'm going to use some examples in hopes that also it will draw people to listen to these great recordings. But if I think about songs like 8:46 by Mr. Lif, who's associated with Eternia, but Mr. Lif and Stu Bangas - I think about how, you know, obviously, when you look at the title of the song, it's gesturing to the murder of George Floyd at the hands of police. But I think what the song also does for listeners is that it historicizes for listeners the ongoing dehumanization, incarceration, and brutalization of Black people in the United States at the hands of police and people in power, and contextualize it within a much longer history of enslavement and segregation. I think also in its function, as a historian, Hip-hop also helps young people who are on the ground, you know, as activists or  wherever they find themselves being socially engaged. It also teaches young people and society more broadly, about its connection to a much longer Black liberation struggle. So if we think about a song like Black Thought’s recent release, Thought vs Everybody - he helps listeners think about the different ideologies in Hip-hop and how they're connected to a much longer Black freedom movement, and more broadly, the Black radical tradition. So you know, the song has interspersed speech recordings from people like Marcus Garvey, who led the Pan Africanist movement, Black Panther Huey Newton, other folks like Amiri Baraka of the Black Arts Movement, Khalid Muhammad of the Nation of Islam, or, you know, literary giant, James Baldwin, and even prison abolitionist, Angela Davis, who, of course, has been in the news talking about abolishing the police or certainly cutting back their funding. But also, I think one of the things that Hip-hop has done in this particular moment is contextualize the uniqueness of 2020. So I think about, you know, because there have been many historical moments where we have seen similar instances of police brutality, but society has not always reacted in the way that they have reacted in 2020. So I think about songs like Lockdown by Anderson .Paak. And in that recording he talks a lot about the response of people, you know, protesters who are reacting, of course, to instances of police brutality. But what it means to do that in this unique moment of COVID-19. And I think, you know, one of the things that comes across in the song is that he's saying this is a moment of pause. And it's made people reflect on the brutality of policing in a way probably that they have not done for a long period of time, in terms of different cross sections of people. And they've done so in a way that thinks about Anti-Black policing alongside existing issues such as poverty, unemployment, and health disparities. You know, all of which have been exacerbated by the pandemic. But I think perhaps one of the most hopeful and yet still, you know, classic Hip-hop styles, critical ways of thinking that Hip-hop has continued to introduce to us in 2020 is to think critically about electoral politics and the role that that can play in transforming society, especially as the U.S. moves towards their upcoming federal elections. So I think about, you know, one of my favorite artists at the moment is Locksmith, who some people may not know, but he comes out of California. And so I think about a song like his recent release called Black Holocaust, or even, you know, one of my favorite groups, Public Enemy, who recently released a song called State of the Union. And when I think about these two songs in conversation, I think about how Hip-hop can also help us bring about a call to action to take electoral politics seriously and to consider the role that citizens can play in overturning structures of power. I think so often people think that their voices are not heard, and that there are avenues where their voices can be heard. And so songs like these help us think about the power of the vote, in particular, in the United States to cast out the current occupier, who, you know, who I will not name of the White House. You know, who I think Public Enemy, rightly, you know, frames him as a dictator and a fascist who should be feared in terms of what he has done in the US during the course of his presidency, but also the potentials of what he could do if re-elected to a second term. But what I think about the Locksmith song in particular, I also find it fascinating, you know, that while they're talking about electoral politics and what voting can do, Locksmith also articulates a very real and long standing distrust that racialized communities, not just the United States, but in other places as well, have had in terms of the relationship to the political system. Which he argues have continually failed to respond to the needs and demands of Black people. And so while he's certainly talking about electoral politics, he's also asking the public to consider the complexities of voting. And to be critical of both sides, you know, if especially in the United States where you know, so much of the conversation is about Republicans and Democrats, or Liberals and Conservatives. And he's certainly asking people to be critical, even of the Liberals, and especially Neo-liberals, who in a political campaign all tend to mobilize race in the conversation, in part to generate or recruit voters to the fold. And so he asks people to even think critically about whether those intentions are genuine or disingenuous. And to use that knowledge to press the candidates to speak to them in a genuine way. And ask them about what they need, and then to mobilize in that way to do that work for the communities that are putting them in office. So I think in 2020, Hip-hop is doing a lot of things for us. It's not just helping us learn about the contemporary. But it's also reminding us that this is a cyclical and continuous pattern, you know. The things that we're seeing before us, and that we need to always be critical, we need to question the society we're living in. And a lot of that involves taking pause and being reflective, which I think happens so often in the context of Hip-hop culture. And one of the reasons that as someone who loves Hip-hop and Rap music in particular, I'm so grateful for the artists that do that work.

Zoe:  I know in our last, one of our last conversations, you and I and Jessica had, we were talking a bit about basketball and the Vince Carter effect and Hip-hop and what the kind of convergence of like his rise and basketball and many of the Canadian Hip-hop artists as well as some U.S. artists that all of a sudden started to kind of take note of Toronto at that time. And I'm reminded of that, again, with the work that the NBA is doing around electoral reform, and how vocal they're being about that, the players, not the NBA as an association. But really important that that's one thing that bubbled up and then just another quick thing was just I love how this is obviously a moment for reflection and a moment for pause for all of us. And you're right in that the racial injustices and the murders and police brutality and all of that that has come to light is also being now looked at through the lens of all these other disparities, as you pointed out. You know, class and race and and ethnicity and everything else is being looked at. So it's a, I think, quite a unique moment. And my last comment to what you said was just kind of recognizing that for whatever reason, you know, at this moment, I feel like there is, a lot of people are drawing for a lot of the elder statesman voices of the Black Power movement. And you went through a few like Marcus Garvey. Recently, Angela Davis. Amiri Baraka, et cetera, and James Baldwin, and I think it's great that there is this both in education and a renaissance of those voices for new and like up and coming generations of people that are just kind of trying to understand this space that we’re in. That throw in a Langston Hughes and all kinds of other people that, you know, we could spend all day on those. So but I think it's great that they, they are getting kind of a second look. And it's hard. It's hard. You know, I feel hopeful when I see that, but I also feel very frustrated, because a lot of them are talking about things that were happening in their time, and we're talking about the same things, but on that note, I'll just ask Jess if you have any closing comments, before we wrap up?

Jessica:  Francesca, it's always great speaking with you. I think, you know, especially when you were talking about the power of Hip-hop in education, I think there's still a lot more that needs to be done in that regard as legitimising Hip-hop as a, you know, as something in the classroom, as a tool for engagement and self expression. And I think we see that in the work that we're trying to do here, but across the board I know even as a Hip-hop scholar, for yourself, I could assume that there, there's also barriers within that. Just the study of Hip-hop at the academic level in the PhD program, and some of the resistance and barriers there. So I think overall, like just Hip-hop in education is still something to continue to kind of - it's almost like you have to prove it and legitimize it because there's a lot of pushback against it. Thank you for sharing all of these songs that some of them I've never heard of. Yeah, so great conversation. So -

Braeden:  Could I ask a question? Is there time? Um, I think when a lot of us think of a historian, we just think of someone who exclusively deals in the past, but who better to look forward than someone who's well versed in the past. And so I'm curious, what are some things that you're seeing or noticing about, or like shifts or trends that are emerging in Hip-hop specifically in Canada?

Francesca:  Well, I think one of the songs actually that I was recently listening to is a song by an artist named TOBi, who I believe comes out of Brampton, if I'm correct. And it is a song called 24 Toronto Remix. And it features a number of Canadian artists - Shad, Jazz Cartier, and Haviah Mighty, who I think is one of the most powerful Toronto artists that we have right now. And I think one of the things that this song for me highlights is the shift, not just in Hip-hop, but in the general cultural conversation that we're having in Canada, is that these artists, and of course, you know, Hip-hop has been talking about structural oppression in relation to policing for a very long time, even when we're thinking about our Canadian artists, right? But this song in particular, I think what it does is it reminds the Canadian public, that Anti-Black policing is not merely an American issue. And I think this is a really important shift, especially as we're hearing you know, calls to defund the Toronto Police Services. Because I think so often when we tend to talk about race and oppression, and, you know, various disparities that are impacted, or are an outcome of racial disparities, I think so often we tend to think of that as an American problem, you know, and that we're the good neighbors to the north. That tends to be the prevalent master narrative or discourse. And through recordings like this, I think, Rap artists in particular, challenge the public again to think very critically about the way that Canada constitutes itself, both inside of its borders and projects itself internationally as a country that apparently does not have racial problems. Which, you know, is not true whether we study the history of Canada, or not. So we know this has certainly not been been the case, historically. The fact of the matter is, is that race continues to trouble Canada into the present day. And so these artists, I think, really put that conversation back on the table and force the Canadian public to treat this conversation seriously. And I think, in the Canadian context, this is a really important shift in the cultural conversation, because so often, you know, whether we're talking about in Canadian classrooms or in political discourse, there is a failure to really think critically about the ways that Canada treats racialized populations, whether we're talking about Black communities across the country, or in Indigenous communities as well. And to really think about Canada as a settler colonial nation. And this is the work I think that Canadian Hip-hop artists continue to do so powerfully. And in the larger context of Hip-hop, I think, really presses us to think about how all of these moments are connected to historical practices that continue to cycle moving forward. That said, I think that one of the things that has been so interesting to watch is to see the cross section of people who are coming into the fold. Who are deciding for themselves that they are committed to learning and understanding the issues and to doing something about that. And I think, you know, as an educator, one of the things that I often say to my students is that I don't like to punish people for not being in the conversation. But I do, once they are part of the conversation, I think it's important to honor the stage where every, you know, the stage in which everybody is at. Whether it's taking a class, reading a book, walking in the streets, you know, being part of an organization. However you find yourself involved and committed to the various social justice issues that are of concern to you. I think that as a society, we all have to work in our different lanes. And our contributions as a result will be different. But the more pressure that we collectively put on these systems that have power, the closer we'll get. And of course, it's incremental. That's one of the things that history teaches us - that change is always happening. Sometimes it's at a slower pace than we would like. But these incremental changes are going to move us closer to the world that we want to inhabit, if we're lucky to see that world. And, you know, some days, I'm a little, I'm a little less sure if that will happen in my lifetime. But I certainly know that with continuous work, I hope to leave this world in a better condition than which I arrived in it. And I think that's a goal that we should all be collectively striving towards. Thank you for the question. It was - thank you for all these questions. I'm so happy to spend time with you all. Really. I think that Hart House is doing a lot of great work around Hip-hop in particular and Hip-hop education. And, you know, kind of off of some of the comments, the closing comments that you all made, even though it has for so many people who do Hip-hop studies, it's been a struggle for us to legitimize our work in the academy, I think that we stand on the shoulders of a lot of academics before us. I think about people like Tricia Rose, Mark Anthony Neal, for example, all of whom have done, you know - and even here in Canada, Mark Campbell, Rinaldo Walcott - all of whom have done really important work, to create a space for those of us in these current generations of scholars who are committed to Hip-hop and legitimizing it as the source of knowledge. And you know, and we continue to do the same for people who will follow after us. So I think the path for hip, the path for Hip-hop cities is great. We just have to keep going. And I think the work that you all are doing it at Hart House is really important to legitimizing the study of Hip-hop and the role that it plays in the lives of the students that were committed to the role that it plays in their lives. And what it can teach us in the academy, because I think we can glean so much from Hip-hop, you know, whether it's talking about Rap music, or breakdancing, whatever the form is, there's so much that it gives us and so there's so much more to do. So thank you all for speaking with me today. I appreciate you.

Jessica:  Thank you to our guests, Dr. Francesca D'Amico-Cuthbert. Thank you to my co-host Zoe Dille. Thank you Braeden and Day for helping produce the show. And most of all, thanks to you, our listeners. We'd love to hear from you. You can find us on Instagram @harthousestories. You can also find more information around the Hip-hop Education events for the academic year at harthouse.ca or on social media @harthouseuoft. We're here every Saturday at 7am on CiUT 89.5 FM and we post all of our episodes under Hart House Stories on SoundCloud. Our intro outro music was composed by Dan Driscoll. I’m Jessica Rayne signing off as your host for today. Thanks for listening and we'll see you next week.

[hclles-blog]

hey guys ! this has been sitting in drafts for at least a day now, but trust me when i say i’m as excited as i was when typing this fucking monster of an intro SDKFGJKFD but i’m jules, kard and clc supremacist and a struggling student about to apply to the english faculty of my uni ! like i said, this is a super long intro, so get settled as i introduce asteria’s resident skating brat halle, a bitch who overworks and doesn’t know how to chill long-term !! stats page is HERE for your reading pleasure, extensive plots and an extra list of options are linked accordingly !

jeon somin, cis female, she/her. — have you seen ( hyunmi “halle” chae ) around ( hecate ) ? they’re a ( twenty-two ) year old ( senior ) who’s majoring in ( kinesiology. ) i know they’re busy with ( dance club, women’s volleyball, and kappa delta sorority ), but you should tell them to check their latest starred rating ! ( jules, 21, she/her, gmt-3:30. )

honestly she is.. fucked sgjfsgdkl

this is mostly a carbon copy of an intro i’ve made for her in the past, so while some random points seem a Little dated or repetitive, they’re valid enough to stay here sfdlgkdg

i’ve had inspo for her after the olympics and rly wanted to use her somewhere, so if some things here seem a little.. idk, farfetched for your taste, we’ll pin it on that sfdgkdfj

this is her as popular vines

so chae hyunmi aka halle, ulsan born, raised in seoul and relocated to toronto, canada with her parents, little sis and partner to train bc..

she’s a figure skater, good enough to win ( .. junior ig ) titles when she was in her early teens, so it was only inevitable for her to leave for toronto to train with the Best eventually

she’s competed in international competitions, as part of a pair, and made her olympic debut in sochi by the skin of her teeth; her highest placement was third place ( not at sochi pls sgjkld she prob ranked in the top ten at best ), so she’s got a medal or two to her name

ultimately it was after sochi that she saw her coach and ( ex ) partner intervene with her.. unhealthy practicing habits

she’s a perfectionist through and through, so of course she’d spend hours on the ice at just seventeen/eighteen years old, even younger tbh, to get a routine right. but she pushed herself harder and harder, where small missteps would lead her to fall hard and recover for days on end, even spraining her ankle just before competition season was to begin

so when her coach insisted she take a break, her parents following suit, it was with good reason — one that she didn’t fucking see fsdkgkl

even so, them pushing her to prioritize education for a bit, to get ahead of the skaters who would prob only be able to do so upon retirement in a good few years’ time, and hanging up her skates until she saw it as.. less than something she needed to abuse herself to feel comfortable with, for as long as they would do so led to her resolve shattering and her applying for universities in canada, the us and sk ( the sly brat reasoned that it’d be nice to be reconnect with her roots.. for the sake of having something going for her beyond just competing in pyeongchang ! )

but the latter wound up being a bust bc she opted for asteria u, close to some of the popular yet secluded skate clubs the greats went to during their off-season training.. and before tr*mp got elected bc she would’ve cancelled everything, demanded her money and scholarships back, had she arrived after that LSDFGJFKLD

should be noted that her grades were good, she had a super brief volunteering stint and she’s a rising star ( well, was.. the bitch wouldn’t be competing again anytime soon to keep herself where she was within the skating circuit ) in her favoured sport, so she deemed all of this inevitable sfkljfdgk

though the school didn’t and still doesn’t offer its own skate club so, that was a slight drawback for the invested bitch

the transition wasn’t too hard ofc; she got comfortable with the campus and was back on the ice in no time, joining one of those aforementioned skate clubs under her parents’ noses and making the most of it as comeback/olympics prep

she saw herself as poised to be added to the roster once again, now a singles prospect after a major falling out with her longtime partner for one too many dumb bitch moves, and was desperate for it; however the stars didn’t align back in 2017 during her sophomore year, when she just missed obtaining qualification while now on canada’s roster on a technicality, and nothing could’ve compared to the agony that was missing her chance in something she invested sm practice, time and compliance with the people around her to pull through and get to pyeongchang

she’s still distraught over it, it’s been a couple of years since that happened and she gets emo real quick, misty-eyed if you bring it up ( she uh, has issues with moving on from things if you can’t tell )

suffice to say she resents her coach for his minor contribution in fucking her and himself over, dropped him out of anger ( a move she.. does feels bad abt on a personal level but professionally ?? pft ) and linked up with one back in toronto who she’ll begin seeing when she’s “ prepared ” to give it a shot again

meaning she’s currently on hiatus from the sport, but she knows a good few people think her career is Over now — and it pisses her the Fuck off

studying kinesiology despite wanting to be a skating coach when she retires as a competitor, bc she rly loves being active and thinks she’d be a resource in the field down the line ok ??

anyways, she’s found new things to invest her time in, such as the sorority, dance club and volleyball

dance helps with the choreo for her routines.... or Did, but we all know she’s still doing Some amount of skating on the side so

and it helps in areas where muscle memory and years of flexibility can’t quite do so

volleyball’s a great second option for her as a sport, mostly bc she can exert as much of her frequent frustration as possible into a game and act like it’s just her being into it. though she really can be That competitive, as you can see, rather than bratty

so, moving onto other things —

personality and other shit

she is.. a mess rly

inflexible, independent, charismatic, etc

most of her actual personality is further down oops dsfgjklfg

kinda detached ?? like she doesn’t want too many distractions and she deems relationships as the fucking Worst for it.. she’s had some pals from skating with potential go downhill when they got too deep with certain partners or just with too many side hobbies, social obligations, so she’s trying to be level-headed while not destroying her social life ?

idk it’s hard to explain, she’s an enigma even to me in that area

only dated once or twice. the first time being when she was like nine. with her first pairs partner that she quickly ditched.

not.. super sexually active either ( rip ?? )

but she’s been Involved with people so fdskng

on the ice, or just in whatever she’s applying herself to, she’s domineering and blunt, v strict on herself though she’s slacked off a bit over the years.. so imagine how self-disciplined — in the worst of ways — she was when she was younger

with a rigorous work ethic like hers, her being a leader among those at the local skating club implies that she’d be strict too with what little power she has.. but she’s kinda chill overall ?? tho you still have to get your twizzles right before the end of the day, don’t care that the hockey players will be out in two ! let’s go !

uh.. her attitude carries over with a Lot of things. she especially has no time for people who are Committed to their sport but show poor performances bc of laziness, distractions, etc. so brace your kids for hurricane halle ??

call her ice queen. try it. try it. GKFDJKGDSF she hates that nickname 95% of the time, usually bc she assumes people are basing it off of her initial/professional demeanour first and her passion second

she rly just has a hard shell where it matters, aka her career and stuff, but is a semi-precious gem overall

or, for a better way to describe it though it sounds like i’m just repeating myself: she gives off Proper head bitch vibes ( subtract the Need to feel powerful in being a piece of shit to anyone who walks past you ) but she’s really just a blunt and serious brat with a super dry and at times menacing sense of humour

she won’t hesitate to call you out on your shit or make it clear that she doesn’t like you, though, even if she appears cordial on the surface

as a result, hockey players HATE her !

bc she rips into them the most for frequently poor experiences with her fellow ice people. most of which are them hogging her reserved practice time, and being thirsty and pretentious dicks about it within and outside of the arena

kind of dramatic and a meme ngl, curses quite a bit, whips out korean or her conversational-level french far too often — especially if she’s shit-talking bc you made an ugly choice but is trying to be a Supportive Friend

english name came from halle berry bc hyunmi thought she was rly pretty on all the red carpets her mom would have on growing up sfgdkjflk

unwinds with the usual netflix and wine

oH also prob still hurts herself by overworking, especially after That Lost Opportunity, i hate

she’s pan but..... girls disappoint her far less than guys so she has a preference djfgskgdkf

all of that being said, it clearly plays into how she’s perceived by others, so —

her view and reception on starred

she..... probably doesn’t do too hot tbh

well. maybe she Does if starred's social ladder resembled most high school/college shows, movies.... rps, but it doesn't really so —

in all fairness, she probably does do better than i'm assuming rn bc.. she Is a character of sorts, who knows gskfksl but MOVING ON !

her blunt and kinda snarky attitude is partially Why she hates this point system, bc people tend to kiss ass just so they aren’t given a low rating whereas she can only hold back about 5% of her unfiltered opinion — but that’s IT !

tbh she relies heavily on her involvement in extracurriculars, and especially her public image from her glory days, more so than she herself to keep her head above water

so she looks entitled from that alone

given the way i’ve played her in the past, ik she might come across as a hbic type: thinks she’s the best ( which.. she kinda does sjkfgd ), savours the power she tries to or does in fact exert, doesn’t come across as particularly sympathetic or nice, etc

but she’s just a shit disturber with thick skin and a slight kink for receiving admiration and respect, puts herself first a little too much

in fact, she doesn’t really Care to hold people by a leash, but yeah, it can come across much differently since her tone never really Shifts if she doesn’t know you well, doesn’t trust you, knows you’re naive with such things, doesn’t like you, is just fucking around or in a sour mood.... the list goes on

so if your character focuses on who’s the nicest or most cheerful when giving high ratings, makes a v quick judgment on their character from a first impression, she’s gonna be near the bottom of their list dfsghkfgj

and like i said, she doesn’t care for the system Enough to change any of this, so she gets by

KDFJGSKFL uh, let’s end it there bc this is painfully long — congratulations if you’ve made it to the end of this intro from hell ! if anyone wants to plot, like this or im me !! ( ps, if you prefer d*scord like yours truly, just ask for it or send me yours ! )

[astrogeoguy]

Romantic Mars Kisses Uranus, a Moon Perfectly Placed for Evening Enjoyment - a Lunar X, an Occultation, and a Bull and Beehive Buzz, too!

(Above: The star circled in yellow, medium-bright Sigma Orionis, sits a finger’s width below the eastern star Alnitak in Orion’s Belt. Viewed in a telescope, Sigma is revealed to be a beautiful, arrow-shaped grouping of stars - Cupid’s Arrow for Valentine’s Day!)

Hello, Stargazers!

Here are your Astronomy Skylights for the week of February 10th, 2019 by Chris Vaughan. Feel free to pass this along to your friends and send me your comments, questions, and suggested topics. I repost these emails with photos at http://astrogeoguy.tumblr.com/ where all the old editions are archived. You can also follow me on Twitter as @astrogeoguy! Unless otherwise noted, all times are Eastern Time. Please click this MailChimp link to subscribe to these emails. If you are a teacher or group leader interested joining me on a guided field trip to York University’s Allan I. Carswell Observatory or the David Dunlap Observatory, visit www.astrogeo.ca.

I can bring my Digital Starlab inflatable planetarium to your school or other daytime or evening event, visit DiscoveryPlanitarium.com and request me. We’ll tour the Universe together!

Public Astro-Events

Taking advantage of the moon, Mars, and other bright objects in the sky this week, the RASC Toronto Centre astronomers will hold their free monthly public City Sky Star Party in Bayview Village Park (steps from the Bayview subway station), starting around 7 pm on the first clear weeknight this week (Mon, Tue, or Thu only). You don’t need to be an RASC member, or own any equipment, to join them – looks are free! Check here for details, and check the banner on their website home page or Facebook page for the GO or NO-GO decision around 5 pm each day. 

Every Monday evening, York University’s Allan I. Carswell Observatory runs an online star party - broadcasting views from four telescopes/cameras, answering viewer questions, and taking requests! Details are here. On Wednesday nights they offer free public viewing through their rooftop telescopes. If it’s cloudy, the astronomers give tours and presentations. Details are here. 

On Monday, February 11 at 6 pm, the Toronto Reference Library will present a free lecture by Canadian astronomer Peter Broughton talking about J.S. Plaskett, the scientist who brought Canada onto the world stage in astronomy. Details are here. 

On Tuesday, February 12, starting at 6:15 pm, U of T’s AstroTour will present their free planetarium show entitled The Life and Death of Stars. Details are here. 

At 7:30 pm on Wednesday, February 13, the RASC Toronto Centre will hold their free monthly Speaker’s Night Meeting at the Ontario Science Centre, and the public are welcome. This month, the speaker will be Michael Watson. He’ll recount the expedition to observe the 1979 Total Solar Eclipse. Check here for details. Parking is free.  

On Friday, February 15, starting at 6:30 pm, U of T’s Astronomy and Space Exploration Society (ASX) will present a symposium entitled Boom to Bust - The Story of Our Universe, featuring a panel of expert speakers. Tickets and details are here. 

Lunar X on Monday Evening

A few times a year, for a few hours around the First Quarter Moon, a feature called the Lunar X becomes visible in strong binoculars and small telescopes. When the rims of the craters Purbach, la Caille, and Blanchinus are illuminated from a particular angle of sunlight, they form a small, but very clear and bright X-shape. It’s located on the terminator about one third of the way up from the southern pole (bottom) of the Moon (at 2° East, 24° South). The prominent round crater Werner sits to the lower right.

(Above: The Lunar X, shown here just left of centre, is formed around First Quarter, when the sun illuminates the rims of a set of craters located just northwest of dark, round Werner Crater.)

On Monday evening, a Lunar X will peak in intensity at 9:35 pm EST, but the phenomenon will be visible for approximately two hours on either side of that time. This is a global event visible wherever the Moon is in a dark sky during that time window. Simply adjust for your difference from the Eastern Time zone. For the GTA, the Moon will be nicely positioned in the western evening sky. 

Cupid’s Arrow?

The star Sigma (σ) Orionis is located less than a finger’s width below the bright, white star Alnitak, which marks the eastern end of Orion’s Belt. Sigma, which can be seen with unaided eyes, is actually a beautiful little grouping of stars. Viewed in any sized telescope, the stars form a narrow V or arrow shape measuring 8 by 2 arc-minutes and pointed towards the upper right (approximately towards the star Mintaka at other end of Orion’s belt). Perhaps sigma is Cupid’s Arrow for Valentine’s Day? 

Super(bowl) Targets

If you missed my suggestions for your evening viewing, I posted them with sky charts here. 

The Moon and Planets

This is the best week of the lunar month to view the moon. Our celestial partner will be rising during the middle of the day and then setting at about midnight, leaving it perfectly positioned for evening enjoyment. Waxing fuller every night, the moon will pass its First Quarter phase on Monday afternoon (setting up the Lunar X phenomenon I described above). 

When we see the moon’s disk fill with light, night-after-night, we are witnessing the sun slowly rising over the moon’s eastern horizon. If an astronaut were standing somewhere along the terminator – the line that divides the moon’s lit and dark hemispheres – she would see the sun hugging the lunar horizon. Meanwhile, the sunlight striking the moon is slanted, and casts long shadows from any topographic high (mountains, ridges, and crater rims), enhancing subtle features. The result is a spectacular view in binoculars and telescopes, especially along the terminator. And new areas are illuminated every night! 

In the western evening sky on Sunday (tonight), the nearly half illuminated moon will pass a slim palm’s width to the lower left (south) of Mars and Uranus. Reddish Mars will be visible to the naked eye, but much more distant Uranus, which will be sitting 1.6 finger widths to Mars’ upper left, will require binoculars or a telescope. 

On Monday evening, the orbital path of the moon will generate an occultation of a medium-bright star named Mu Ceti in Cetus (the Whale). The event will be visible for North American skywatchers at latitudes north of 34 degrees, although the sky will not be fully dark for viewers in the west. In the Great Lakes region, the dark leading edge of the moon will cover the star at about 8:24 pm Eastern Time. The star will pop out from behind the bright edge of the moon about an hour later. (Watch near the bottom of the moon for the re-appearance.) Timings vary with latitude, so find the star near the moon well ahead of time and watch their separation shrink. This event will work for binoculars and for telescope owners. 

(Above: On Monday evening, starting at approximately 8:24 pm Eastern Time, the moon will pass in front of the bright star Mu Ceti. About an hour later, the star will re-appear from behind the southerly, lit portion of the moon. Binoculars and telescopes of any size will show the event, shown here at 7:55 pm EST.)

On Wednesday evening, the waxing gibbous moon’s orbit will carry it directly through the triangular grouping of stars that make up the face of Taurus (the Bull). In late evening, the moon will pass within a finger’s width of the bright, reddish star Aldebaran, which marks the bull’s southerly eye. Check the moon’s position every hour or so, and you’ll see just how rapidly it moves compared to the distant stars.

(Above: The Winter Hexagon remains an easy sight, even during bright moonlight. From Wednesday to Saturday this week, the waxing moon will cross the figure - from Aldebaran to just below Pollux.)

The moon’s position near Aldebaran also starts the moon’s passage directly through the giant ring of stars that form the Winter Hexagon asterism. I wrote about that shape a few weeks ago, and posted a sky chart here. The moon will reach the opposite side of the hexagon, below the bright stars Castor and Pollux, on Saturday night. 

But wait – there’s more! High in the southeastern sky on the evening of Sunday, February 17, the nearly full moon will skim the southern edge of the large open star cluster known as The Beehive (or Messier 44) in the constellation of Cancer (the Crab). The moon and the cluster will both fit within the field of view of binoculars or a low magnification telescope, but the moon’s brilliance will mostly overwhelm the clusters’ stars. These encounters occur frequently because the cluster holds a position only 1 degree north of the ecliptic. 

(Above: As shown here on Sunday night, February 10, the waxing crescent moon will land a slim palm’s width to the lower left of Mars. Dim, blue Uranus will sit only 1.6 finger widths to Mars’ upper left. For the rest of the week, Mars will slide upwards (yellow track) past Uranus, making closest approach on Tuesday evening, and allowing the blue planet to be spotted in binoculars and small telescopes.)

As far as evening planets go, Mars is the only easy one to see this week – but its location close to Uranus will make finding that distant planet relatively easy in binoculars and telescopes. After dusk, Mars will appear as a medium-bright, reddish pinpoint of light in the lower half of the southwestern sky. The Red Planet will set at about 11:30 pm local time. Mars is slowly shrinking in size and brightness as we increase our distance from it little-by-little. 

On the evenings surrounding Tuesday, February 12, Mars’ faster eastward orbital motion will carry it closely past Uranus, which will be more than 12 times farther away from Earth. Their minimum separation of 1 finger’s width will happen on Tuesday evening, when the red and blue planets will appear together in the eyepiece of a backyard telescope at low magnification. Much brighter Mars will be to the upper right (north) of Uranus, but your telescope might flip the view. (Use the nearby moon to test how your telescope alters the view.) 

On the subsequent evenings, Mars will move higher and farther away from Uranus. The distant ice giant planet will also remain positioned about 1.6 finger widths above the modestly bright star named Torcular (or Omega Piscium). This week, Uranus will set at around 11 pm local time. 

(Above: Mercury is commencing a good appearance for North American observers this week, shown here at 6:20 pm local time on Saturday, February 16.)

Mercury will be visible in the evening sky this week after sunset. It will become easier and easier to see on each consecutive evening. For your best chance to see it, you’ll want binoculars and an open western vista. Look just above the west-southwestern horizon at around 6 pm local time today, and look closer to 6:30 pm local time by the end of this week, when it will have climbed higher in the sky. If you see a bright, unmoving dot, that will be the elusive planet. Nothing else in that part of the sky will match it in brightness. 

(Above: The eastern pre-dawn sky continues to display a planet parade, as shown here at 6:30 am local time on Monday morning. Later in the week, Venus will descend to sit close to Saturn.)

The real planet fun is in the morning sky during the coming weeks. Bright Jupiter will rise in the southeastern sky first; at about 3:30 am local time. Even brighter Venus will join the parade just before 5 am. Dimmer, yellowish Saturn will rise before 5:30 am local time, forming a nearly straight line along the ecliptic with Venus and Jupiter. All three planets will remain visible while the morning sky brightens. Venus is swinging back towards the sun now, bringing it closer to Saturn every morning. On Sunday morning, February 17, the two planets will be only 1.5 finger widths apart – a beautiful sight. (They’ll be even closer the next morning!)

Keep looking up, and enjoy the sky when you do. I love questions and requests - so, send me some!

[cosplaytutorial]

My World Cosplay Summit 2017 Adventure: Planning a Trip To Japan

Going to Japan is the first step in attending the World Cosplay Summit. Planning the trip can be intimidating if you haven't been out of the country before. The last time Kevin and I went to Japan was about 10 years ago and it was all a guided tour. We didn't have do much planning (his mom handled the booking) but we also didn't have much freedom. We saw a lot of cool sights such as temples and castles, but we didn’t get to do any nerd stuff and we really wanted to do the nerd stuff. This time around we decided to do our own thing, which meant we had to do the research and planning.

Planning

The first step was determining a rough outline of where we wanted to be and on what days. We knew we wanted to go to Nagoya (where the summit was held) on the 5th and 6th of August. We also wanted to spend a chunk of our trip in Tokyo.

Once we knew where we wanted to go we could start looking for flights. If you want a deal and the most freedom, it helps to book far in advance. Take advantage of services like Scott's Cheap Flights and YYZ Deals or other groups that share good deals on flights. We planned our trip a little late, so we didn’t get the opportunity to scope out the best prices, but we were able to compare the difference between landing a bit earlier in Osaka vs. landing in Nagoya. We got a price we were happy with and committed to the trip. With these fight dates in mind we planned out how we would travel: 

August 1: Leave Canada August 2: Land in Osaka  August 4: Leave Osaka, Travel to Nagoya August 7: Leave Nagoya, Travel to Tokyo August 12: Leave Tokyo and go Home.

Accommodations 

Now that our plane tickets were secure, we needed to work out where to stay.

A lot of my friends have used AirBnB in Japan and recommended it. I looked into it and not only were the prices good, but it sounded like they would be great experiences. However, Kevin is a shy individual and he vetoed the idea. So we sought out hotels. If you want to book with airBnB I would suggest paying attention to what they offer. Some of the AirBnBs offer portable WiFi, breakfast and an escort or drive from either the airport or subway to their house which are all very useful. Thought for a western visitor you may want to double check the type of toilets they have, the type and size of beds being offered (especially if you are tall) and what house rules they may have as these may be different from what you are used to.

I gave the Kevin the job of booking hotels and he procrastinated on it. So I decided to start looking into it myself. Since it was the staple of our trip, I started with Nagoya. Cue the most stressful moment of vacation planning for me. I go on the first site and search Nagoya...all the hotel rooms had been booked. All of them for that date. I start stressing, but find another site. All the hotels are booked up. I keep searching. I find a site with some hotels available and it says over 100 people are looking at the same rooms! OH NO! It is 3am, Kevin is asleep, and I have nobody to freak out with. So I start collecting a couple different hotels with a lot of rooms available, and a couple Airbnbs in the area, just in case. I send him the links, feel better, and pop into bed. We can book them the next morning, it will be fine.

So we wake up. I check the links. They are all booked! Even the Airbnbs! I felt my heart sink in my chest. Luckily, with the power of google and refreshing frantically I lucked out! I got a great hotel room (at the Richmond hotel in Nagoya) that happens to be down the street from a cosplay store and a bunch of anime/manga/figure stores. Thanks Agoda! If you are looking to attend the WCS, book your hotel room early so you don’t run into the wall of stress that I did.

Some of the sites we used:

Agoda Rakuten Travel Booking.com Google Hotels (shown through google search) 

The hotels we stayed at:

Osaka: Comfort Hotel Osaka Shinsaibashi Small room, but very comfortable Great breakfast, mix of american and Japanese that was included with the stay Free coffee/tea at all times Near Shinsaibashisuji Shopping Street 

Nagoya: Richmond Hotel Nagoya Shinkansen-guchi Booking came with breakfast, mostly Japanese food Offered us complimentary bath salts Keycard needed for elevator

Tokyo: Hotel Gracery Shinjuku We stayed here for the Godzilla head Great location, busy area with lots of food and arcades Right next to a movie theater, there was a Spiderman Homecoming event right outside and we got to see Tom Holland on stage! 

Tip: Check different sites for the same hotel, some may offer a slight discount or special deal that isn't available on the others.

Itinerary

Next was putting together a basic list of where we would be going and on what days. I included notes about locations, check-in and check-out times and confirmation numbers. I mostly used this sheet to remember the names of the hotels we were going to since the other information was available through wifi. I also put together a wishlist sheet of locations that would be cool to visit. We didn’t get to all of our wishlist locations but the list helped us plan our days and make the most of the areas we traveled to. I recommend putting something similar together so you can find out about cool things in the areas you are staying and figure out how much the activities cost.

WiFi 

There is a lot of open WiFi in Japan. Certain shops, restaurants and convenience stores had open wifi as did the Hotels. The subway systems had open wifi or a sign-up wifi for foreigners. Some of my friends said they used the open wifi to get by and never had a problem, so it is an option. That said, Open wifi has some security risks and is not always reliable, so we opted for a portable WiFi pack.

After referencing the different packs, we went with Ninja Wifi. It was not the cheapest option but it did allow for pickup and drop-off at the airport which seemed easier than attempting to mail it in. We also managed to get a bit of a discount through Kiecan’s promo code.

The Ninja Wifi lasted most of the day with both our phones connected. We used a portable battery pack to keep it charged in the evenings if we didn't make a pit-stop in the hotel. We always had a connection, even on the Subway, which was great.

Tip: Some AirBnB hosts offer portable wi-fi or phones with a sim card. So if you’re staying at an AirBnB, check if you actually need the wifi before booking it.

Travel

I am from the Toronto area and our subway map looks like a sad U with a line through it. Torontonians make fun of it all the time for being so sad when compared to New York or Paris. So Osaka, Tokyo and even Nagoya's subway was exciting to us. It was also really bi-lingual, which made it super easy to navigate. Stops were labled by name and a letter-number combination to make it easy.

In Osaka it looked like the best deal was to get a two day city pass. It came with unlimited travel on the subway for 48 hours (from its first use in a ticket gate) and provided free access to some attractions and discounts for others. Like with most day pass options, you will want to have an idea about how much you are traveling before purchasing the ticket, to make sure it is worth it. 

For travel between cities we took the Shinkansen, or bullet train. The Nozomi train took us from Osaka to Nagoya and later from Nagoya to Tokyo. We only made the two trips and so we purchased our tickets for each trip, rather than getting the Rail Pass. The Japan Rail Pass is a special pass offered to foreigners that gives you unlimited travel on certain JR Lines for a discounted rate (see site for more info). If you plan to travel between a lot of cities and want to take a bullet train then it can be a great deal. In our case, we only were making two trips and it wouldn't have saved us money -- so make sure to check that it is worth it for your vacation before purchasing.

There are also standard trains which are slower, and in some cases less expensive, than the bullet trains. If you aren't in a rush then these may be an option as well.

In Nagoya, we only made two trips a day so we paid the cost per trip. The cost of a trip is determined by the number of stops from your location, you can see the prices on a map near the ticket buying terminals. If you aren't using a tap-card like Pasmo or Suica then you can buy individual and day-tickets through these terminals. The terminals have english as a language option so it is very easy for tourists to use them. Make your selection, pay and it will print out a small ticket. When entering the gates you will need to put this small ticket in a slot, it will then pop back out closer to the gate. Pick up your ticket and hold onto it - you'll need it to be able to exit the gates at your destination. If you change paths, you may need to pay an additional fare at the ticket-adjustment station at the subway you are exiting.

In Tokyo, we used a combination of day passes and single-purchase tickets depending on what we did for the day. It may be cheaper to use a multi-day pass, a day pass or the suica/pasmo card depending on how much travel you are doing. This is where having an itinerary can help you plan and make sure you aren't over-spending on travel. Save that yen for arcades and gashapon!

Translation

Kevin and I don’t speak or read Japanese. While there are some people who can speak english and some places with english signage, there are also a lot of people who can't and many situations where you're running into Japanese only text. So to get around we used Google Translate and Google Maps -- this is why the Ninja Wifi was so useful. 

Google translate has a great feature that will help you get around: it can use your camera to take pictures and identify text. There are two ways this can work, the first is a sort of augmented reality where it overlays it's translation over a real world image. This is really COOL but also kind of wonky and unreliable for Japanese. It gets stuck translating individual kanji rather than full words. I mostly used it when text was in hiragana and katakana. The other way the translation works is by taking a picture. It will highlight all the text it can identify, and then you can select what you want translated. It can still give you some weird translations (google isn't perfect) but if it is having trouble with a paragraph you can select a couple words and get something that makes more sense. We used this function a lot, especially when it came to food.

I also used a combination of Jisho.org (dictionary) and Romaji.me (japanese to romanji converter) to help fill in the blanks when I didn’t know a word. It isn’t ideal for on-the-spot situations, but can help when you want to ask for something specific.

Otherwise, a lot of signage is in English as well as Japanese. This is especially true on the subway and in the more touristy areas.

Buying WCS Tickets

The English version of the WCS site takes forever to update! It seemed that they were never going to put the information online. They finally updated the site with international purchase information on July 3rd, which is very close to the event. Even with such a close date we got good seats and noticed there were a lot of empty seats in the audience -- so I wouldn't worry about them running out. There are also events going on outside of the Aichi Arts Centre, so if you don't buy a ticket you can still have a good time.

International tickets on sale through a service called Peatix. Payment is in Yen and can be done through credit card or paypal. You will need to create an account to buy the tickets and download an app to display them at the event, so make sure to do this before hand! When we arrived at the summit, the digital tickets had to be shown at a desk where they checked a list of names and provided a physical ticket.

If you live in Japan, or want to buy your tickets there, then you can order them online and pay at a circle K or Family Mart store or purchase them through the terminal at these stores.

Tomorrow’s post will cover the WCS Events and using the terminals to purchase tickets. 

[vsplusonline]

Why are my hands shaking? What to know about tremors

New Post has been published on https://apzweb.com/why-are-my-hands-shaking-what-to-know-about-tremors/

Why are my hands shaking? What to know about tremors

If your hands shake on a regular basis, you’re not alone.

The condition is referred to by doctors as tremor and it’s often nothing to worry about.

“Tremor is the most common movement disorder … and it’s actually one of the most common neurological problems,” said Dr. Alfonso Fasano, co-director of the surgical program for movement disorders at Toronto Western Hospital.

READ MORE: Why are my hands and feet always cold? Signs you need to see a doctor

“People get concerned because public opinion believes that … tremor is Parkinson’s disease, but most of the time, it’s not.”

There are many types of tremor, and in most instances, doctor intervention isn’t even necessary.

Here, Fasano explains the different kinds of tremor and when you should see a doctor.

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Types of tremor

Tremor is an involuntary, rhythmic muscle contraction leading to shaking movements in one or more parts of the body, according to the National Institute of Neurological Disorders and Stroke.

The most common form is called physiological tremor, said Fasano.

“This tremor becomes more visible if it’s too cold or you’re stressed or you took too much coffee, for instance,” he said.

“Usually people don’t seek medical attention for that because they recognize that it’s going to go away.”

0:53 What to do if you always have cold hands and feet

What to do if you always have cold hands and feet

It’s also normal if your body starts to shake after carrying something heavy for a long time, for example.

There’s another form of tremor that often worries people, and it’s known as action tremor.

“These are tremors that manifest during the execution of certain actions,” Fasano said. “I’m trying to drink a cup of tea and the tremor comes, for example.”

READ MORE: Fingers, toes that go dead white in cold could be sign of Raynaud’s: doctors

The other common form of tremor is called rest tremor, which is tremor manifesting “when the patient is doing nothing,” he said.

“You’re watching TV and your hand shakes,” said Fasano. “Actually, in this particular type of tremor, it’s often when the patient tries to do something … that the shaking stops.”

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In some situations, one individual can experience both rest and action tremors.

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Neurological program at the U or R giving participants a new sense of hope

Most tremor patients have action tremor that is symmetrical, or it affects both hands the same way.

“It can actually affect other parts of the body too, like the vocal chords, the voice or the head, and usually these tremors aren’t caused by Parkinson’s disease,” said Fasano.

These are often diagnosed as essential tremor — “a very common diagnosis in neurology,” said Fasano — and these patients typically manifest tremor, but no other symptoms. They also often have a family history of tremor.

Treatment

For most patients with essential tremor, the condition doesn’t become bothersome for several years.

“It may take even 40, 50 years,” said Fasano. “These patients know they have a little bit of tremor, but overall, they compensate.”

When to seek treatment really depends on the person. For professional dentists or surgeons, a small tremor can have a large impact. However, it’s usually when tremor becomes so severe it makes everyday tasks difficult or impossible that patients seek medical advice.

READ MORE: Handwashing vs. hand sanitizer: Which one is better at killing flu virus?

“For some people who have had the tremor 50 years at this point, you’re dealing with a 70-year-old patient with issues drinking from a cup or buttoning a shirt,” he said.

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“Some people actually lose weight because they can’t feed themselves properly or they don’t want to eat in public at restaurants.”

At this point, some people may seek treatment, of which there are several options.

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Coronavirus outbreak: World Health Organization says death toll has risen to 637

“First, we recommend some tests … to rule out associated syndromes,” said Fasano.

“For instance, if you have a thyroid issue or you’re [ingesting] too much thyroid hormone [as treatment for another condition] … you can actually manifest a tremor.”

This could also happen in people with diabetes who use too much insulin.

The next step is to discuss potential therapy, Fasano said.

READ MORE: ‘It just feels like a black hole’: Getting through work when you’re depressed

“There are some medications, but they may not help everyone,” he said. “Some people use medication only when needed … for example, a surgeon right before an operation.”

These can include beta-blocking drugs, anti-seizure medications, tranquilizers, Parkinson’s disease medications and botulinum toxin injections, according to the National Institute of Neurological Disorders and Stroke.

Sometimes, the medication doesn’t work or the tremor is too severe. In this case, something called a focused ultrasound may be considered.

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Giving pregnant women progesterone could prevent miscarriages

Focused ultrasound uses magnetic resonance images to create a lesion in tiny areas of the brain’s thalamus, which is thought to be responsible for causing the tremors. At present, said Fasano, this relatively new treatment only helps for patients with essential tremor.

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In the event that these interventions don’t help, surgery may also be an option. There are two main types of surgery: deep brain stimulation (DBS) and thalamotomy.

DBS — also known as a “pacemaker for the brain,” Fasano explained — uses surgically-implanted electrodes to send high-frequency electrical signals to the thalamus. A small pulse generating device placed under the skin in the upper chest sends electrical stimuli to the brain and temporarily disables the tremor.

READ MORE: Fact check — A look at common coronavirus misconceptions

“Through electricity, we can control the activity of those neurons and therefore reduce the tremor,” he said.

However, some people are unable to undergo surgery or they don’t want to have something permanently placed in their body.

In this case, there are three other options which will also “destroy the neurons causing the tremors,” said Fasano.

Your surgeon can insert a “piece of an electrode” in the brain to burn the neurons. “It’s invasive, but you remove everything,” he said.

Gamma knife radiotherapy uses radiation to shoot and kill the neurons. This is minimally invasive.

The newest option is called MRI-guided focused ultrasound, “which shoots over 1,000 ultrasound beams from the outside … and they all converge in the spot on the brain that we want to kill,” said Fasano. This option is also minimally invasive and can be done in three to four hours.

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Parkinson’s disease

Parkinson’s disease is the second most common neuro-degenerative disorder in Canada, after Alzheimer’s disease.

According to Statistics Canada, the condition results from the loss of cells in the brain that produce dopamine, a chemical that controls the body’s movements.

Rest tremor is a typical symptom of Parkinson’s disease. It’s often unilateral (on one side) or asymmetrical (one side worse than the other), said Fasano. However, it’s usually accompanied by slower and more rigid muscle movement, impaired reflexes and poor balance.

READ MORE: Signs, prevention and what to do if you have frostbite

Other symptoms can include depression, anxiety, emotional changes, cognitive impairment, difficulty swallowing, chewing and speaking, masked facial expressions, urinary problems, constipation, fatigue, and sleep problems.

It’s important to note that symptoms typically vary broadly from one person to the next.

“Not all Parkinson’s patients shake,” said Fasano. “There’s a third of Parkinson’s patients without tremor.”

— With files from Global News’ Dani-Elle Dubé

Meghan.Collie@globalnews.ca

© 2020 Global News, a division of Corus Entertainment Inc.

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Richmond Virginia Cheap car insurance quotes zip 23221

"Richmond Virginia Cheap car insurance quotes zip 23221

Richmond Virginia Cheap car insurance quotes zip 23221

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

RELATED QUESTIONS: 

Car insurance company may be lowballing me?

someone hit my car 2 weeks ago which was a 1993 lexus ls 400 ( i know its an old car) and yes he did admit fault on the report and to his insurance company .the problem is they called me stating that there offer is $1600 ,because of previous rust on my car.let me 1st say that is bull i have pictures of my car pre-accident and post accident .there was no damage until there insured hit me.also ,they sent me an appraisal listing of the same cars in my area from dealers to come up with local market value but when i looked up the same cars that was sent to me the prices the insurance company sent wasnt the same prices the dealer had marked for there cars also ,when i asked them why this was and that i also found cars with higher mileage with prices of $3500 plus they said they dont go by dealer pricing,so my next question is why did they send false dealer estimates to me then?and when i looked at the appraisers notes certain items like sunroof ,heated seats etc. wasnt included.i haven't had an accident in over 6yrsso someone who has been in this situtation please give me advice how to handle this . is the price they gave me fair or are they lowballing me ? and are the tactics they are using a usual thing? aaaaggghhh!!!they are making me nuts!!! thanks for all answers in advance!!!""

Would I be able to get sr22 insurance and drive a family car?

So I need sr22 insurance, but I dont own a car. I have heard two different answers on this from the same auto insurance company (vern fonk). I used to drive my familys car and I had asked them when I went in can I drive that car if I get sr22 insurance and they said no because they have insurance on it, but than when my dad said I could drive the car and that they didnt know what they were talking about I decided to call back. I explained it to the guy on the phone at vern fonk and he said if i get the non owners auto insurance than I can drive any car including theres because I would have liability insurance. Which one is true? because I would like to be able to drive again and cant afford a car right now.""

""How much does a Cadillac converter cost? And, sound I report it to the insurance company?""

I busted a hose on my radator (which I didn't know at the time) so I left the car until I could get it towed away. When I returned someone had stolen my cadillac converter out of my car (which again I found out later). How much does one cost? What should I do? And, should I report it to the insurance company being as though the parts and the macanic work would probably be outragous? Please help me I really don't know much about cars and I don't want to get taken buy an auto part. Thanks""

Is There A Way Of Finding Insurance Prices Without Owning A Car In The First Place?

Ok ill explain it better here. I'm after a car but i will need to know how much the insurance is for different cars. So for example if i wanted a car in insurance group 2, could i find out how much that specific car and insurance group would be for me? I know there's go-compare and all the other comparison websites but they are expecting you already have the car and just need to insure it. I need to know the prices before i get a car so i know i will have enough! Help please? Cheers""

I need to know where i stand with insurance?

basically a guy drove into the side of me and my car is in the garage awaiting assessment to see if its to be written off or fixed. of course the insurance wants whatever is cheapest and its looking like it would be cheaper to write it off. if this happens can i 1. offer to pay more on my excess to get it fixed? 2. get the car picked up and pay for it all myself to get fixed at my own mechanics? its not that the car isn't fixable its just that the insurance is looking at the cheapest option, which looks like writing it off, because my excess is so high, but if they do this i will never be able to afford the insurance, so would rather keep this policy and fix it, anyway is this possible and can anyone find a loophole?""

What is an average insurance cost for two cars in dallas?

What is an average insurance cost for two cars in dallas?

When will health insurance become affordable?

If the insurance companies and pharmaceuticals won't reign in costs, then we need to go to socialized medicine. It is ludicrous that insurance costs so much for individuals.""

Buy a car + insurance?

Hi i live in Toronto and i was looking to buy a car, the thing is i just recently moved to Canada and have no experience of this stuff, i didn't own an auto mobile back home. I also don't have that many reliable and truly trust able friends that i can turn to for help, and no relatives. So i turn to yahoo answers in my time of need. I need to know what the process of buy a car is and when and how do i get insurance on my car, I just turned 18 and would like my own car. And do you guys gave any suggestions for first cars? any tips? all help is appreciated.""

Which would be cheaper to insure generally speaking a Honda Civic coupe or Mazda 3 Hatchback?

Which would be cheaper to insure generally speaking a Honda Civic coupe or Mazda 3 Hatchback?

What's the average penalty for driving without insurance in England?

What sort of fine, and how many points?""

Really Angry ! where can i get cheap van insurance im 18 ?

i been on go compare the cheapest i got was 4600 thats on a 1.9 litre van i think its stupid how can i make a living paying that kind of money out i need my van for work plus its not like its really powerfull its a sh!tty van i wolud not mine if it with a 1.9 sports car buts its a van it sholud be cheaper on vans im 18 do u know where i can get cheaper van insurance plus i got quoted 2600 on a 1.1 car

Which medical insurance company is the cheapest?

I'm 21 college student and I need to get a medical insurance. I live in California. Which company is the cheapest? I was thinking of kaiser but I'm not sure Thanks in advance guys

I got rear ended and the guy who hit me is pressuring me - should i get insurance involved?

The person in front of me was tail gating the person ahead of him so I was trying to keep distance and my brakes were on/off. The guy behind me crashed into me from behind. There was minor damage to my car - deep scratches that need a paint job and the left bumper that almost came off. He had a dent in his hood. He was very apologetic claiming it was his fault. He was willing to pay for all the damages and felt very bad about the situation. He said that if insurance gets involved, the higher our rates would go up but said it was all up to me in what I wanted to do. We exchanged information and was willing to fix my car as soon as possible. He called me and did his research in which we would get my car fixed. My back is hurting badly now and I'm going to get it checked now. He just called me up asking if he can meet up again to take pictures of my car. Thing is why would he want to take better pictures of my car? Don't you have to go show the people? I just got off the phone w. him and he said that I have minor damages compared to his dent in the hood. He believes that because I suddenly braked, he braked as well causing his hood to slide under my back.... He pretty much made it seem like what he did was very minor. I didn't meet up w. him b/c my parents drove another car to take me to the Dr. and got upset and was suspicious and accused me of illegal fraud? I killed him back w. kindness and he was being nice saying he wanted to fix my car ASAP. He really scared me last night and I'm feeling pressure b/c he wants to fix it NOW. IS HE POSSIBLY TRYING TO TURN THIS THING AROUND NOW??""

Need health insurance for my friend mother please read details..?

my friend mother is 66 years old she is a green card holder she is not working and never worked in the usa she had stroke two years ago while she is in her home country she is in usa now but she can't walk so she need physical therapy do you know affordable health plan for her she is not working her son and daughter live in wisconsin and connecticut?

How can I get my insurance CSR 440 certification?

I would like to pursue a career in insurance adjusting

Insurance on a jeep wrangler.?

im buying a jeep for my first car (jeep wrangler). i want to know if the insurance is going to be high, im 16 year old male. my insurance would be geico. if you can compare it to a sports car would it be cheaper?""

Cheapest car insurance for 17 year old?

i need cheaper car insurance because most quotes are coming out at like 4 grand and i dont have that kind of money. the car is a 1.2 55 reg corsa, does any one know a cheap insurance company? cheers""

Car rental insurance ?

i'm going to rent a car for 3 weeks from avis but there are 4 types of insurance to choose from : (1) Additional Liability Insurance (ALI) (2) Loss Damage Waiver (LDW) (3) Personal Accident Insurance (PAI) (4) Personal Effects Protection (PEP) what does each one mean ? and which is necessary ? note : am not US citizen .

""Car accident, no insurance?""

I just got into an accident 5 days ago. I still don't believe it was my fault if anything maybe both of ours. Regardless she had minor damage. She was on the phone obviously not paying attention as I was pulling out of the driveway when she was attempting to pull into a drive way across from the one I was pulling out of. So as you can imagine it's hard telling. We both have scratches on our left hand side bumpers but she has a dent that can be fixed. She had her friend with her so it was hard to really even defend myself because it was her word against mine. She called the police, thank God they passed because no one was hurt. They just told her to take down my information and deal with it. She took down my license plate, took pictures, such a drama queen, it honestly wasn't that bad. She has my license number too but when I when I went to call my insurance provider, they said it wasn't renewed. No police report, and she hasn't called me with a quote. How much trouble can I get in??""

How much would my car insurance be in new york?

i'm 27, this is my first buying a car, thinking buying a honda accord ex 2003 2 doors. but i'm a little concern about the cost of my car insurance for this particular one? please serious answers""

How does car insurance work? do u have to pay for it monthly?

i'm buying my first car and am confused as to how car insurance works. i know its better to have insurance before driving your car off the lot but how does insurance work? do you pay insurance monthly liek you do for a car note?

""I really want this new car, but should I do it financially?""

I will be paying 350 for a car, 170 for a motorcycle, and then 200 for a month for the combined insurance. Is this too much for vehicle costs? I'm 22 and trying to make it on my own and still in college almost ready to graduate. Is this unreasonable? This is twice as much as my rent almost.""

How much is the insurance for a 1980-1992 FERRARI MONDIAL?

how much is isurance every year for a 1980-1992 FERRARI MONDIAL for a 16 year old in California using 21st century auto insurance. PS onlyh liablity insurance

How much will a long lapse in my car insurance coverage cost me (on average) when I try to get inusrance again

And by long I mean between 6-12 months.

""What type of Health Insurance is good for me? As far as deductibles, office visit, and coinsurance.?""

I want to get a Health Insurance for me and my family? I am self employed and therefore cannot get Health Insurance through my employer. I am 57 years old and my wife is close to my age, and will be visiting doctors' office more than 5 times a year. I am confused as to which type of insurance is the best choice for someone in my situation.""

Richmond Virginia Cheap car insurance quotes zip 23221

Richmond Virginia Cheap car insurance quotes zip 23221

Is insure.com legit?

I was wondering if the site insure.com is legit and If they have good rates

Is what my car insurance company doing legal?

I am in the process of purchasing a house. I received a quote from the insurance company I picked. And they said they could lower it even more if we add our 2 cars on. So they checked, and their offer for insurance on our cars was lower then what we are paying now. So saving us even more money. I went in, signed the papers for both auto's and the homeowners and was happy. They cancelled my previous auto insurance policies, and charged me my first month. Now, a week later, they are saying due to my previous car being stolen two years ago they can no longer offer me my 100 comprehensive deductible. They can only offer me a 1000 dollar deductible and if I choose not to accept they will cancel my auto insurance. This if frustrating considering my other insurance which wasn't bad to begin with has already been cancelled and I have already been charged my first month so if I don't accept I will have no insurance and my homeowners policy will go up in price. Sorry for the long explanation. I just don't think they should be able to get you in then change things up on you. Is there any law against that? Thanks for your help!!!""

""My husband is retiring next year and I am unemployed and only 55, how do I get affordable health insurance?""

I have alot of health issues and I need to make sure I have coverage. I have been looking for a job with benefits, but so far no luck. I am 55 and my husband will be 63 when he retires. I need an insurance with no prior health exceptions.""

Teen car insurance questions?

ok i am 17 and i am looking for car insurance and confused can i get a policy of my own or do i have to be added to my parents policy ? and i went to progressive and they said it be lik 2500 is that pretty cheap or hella expensive ?

How much to insure for drivers insurance?

Im 16, so I know it will be expensive. I will be getting a 4 Cyl car, either a Honda Prelude, Civic, Accord, Nissan 240sx, something along those lines. I took a drug and alcohol class which takes off 15% and then I got a B average which takes off another 10% can someone please tell me how much it would be a month? Thank you""

Teens: Do you pay for your own car insurance?

If so, how do you pay for it? How long do you work for and how much do you have to pay for your insurance? Just wondering :) and if you want what type of car do you have?""

""I'm only a student & working part time, where can i get cheap car insurance...?""

I'm only working part time and i need to find a good insurance company, preferably one that won't charge me too much as i'm not earning a lot of money.""

I am trying to show proof that I did have car insurance in 2009 but cant remember what insurence company I had?

does anyone know how to get past records of car insurance but dont remember what company I had

How much will insurance offer for a car I paid 3000 for 6 months ago?

Peugout 106 1.1 Bought for 3 grand 6 months ago although he got it down from 3500 from a reputable dealer. It is likely to be a total loss so how much do you think they will offer me for it?

Why does the engine size of a car make so much difference in car insurance quotes?

How is it that cars with bigger engines are much more expensive to insure? Surely a 1.0 litre car and a 2.5 V6 car both travelling at 70MPH for example will cause the same amount of damage (albeit the car that weighs more may have more momentum). I can't seem to work out the other side of this arguement. Is there anyone who could explain the difference please? Thank You! 10 points for best answer.

How much would insurance cost?

I'm a 16 year old male who makes a's and b's in school and my parents just bought me a 2008 Gmc Sierra Denali and I'm currently driving without insurance how much do you think it would cost for me?

What is the best car insurance company in North Carolina?

Hi. So I recently moved from New England to North Carolina. I have my 2002 Toyota Camry. It was my Dad's and is still under his name. However, I want to get the title in my name hopefully by early 2014. That means paying for insurance too. I figure I'm going to have to do this soon, might as well do it now and learn more responsibility. My parents are paying for my car and their cars under MetLife. (Yes, the one with the Snoopy logo). They are paying about the same plan they did in Massachusetts. I know North Carolina has more competition in pricing and I want to shop around for a decent plan that gives me what I need but for a better price. My Mom is hysterical and doesn't want me to go anywhere else because she think NC insurance is crap. I like that MetLife gives me what I need but I'm not paying more than I have to in insurance. Sorry Mom. So my question is. What is the best car insurance company in North Carolina? Any suggestions. I would like a company that offers affordable plans but also is a reliable company when I need them. Please NO cheapo discount insurance. Here are my only two liabilities in my driving history: 1. Got into a minor car accident in October of 2011. Just a paint smear with another car. Nobody was hurt and neither car got in worse performance condition. 2. Got a seatbelt violation ticket in January 2013. (It was actually for speeding but the cop went easy probably because he saw I was wearing a suit. I was on my way to a family memorial service near the South Boston area.) Any experiences? I mean, what is my Mom worried about? I never hear in the news about people dying because they have NC car insurance. I know there is cut rate (bad) insurance out there because of competition. But there's got to be something better in NC than paying a Taxachuetts MetLife plan. (Sorry BayStaters, but you know it's true) Thank you!""

Do auto insurance companies have to look at your driving record?

I have never had a vilolation. My husband has. He had one in 2006 for running a red light and one in 2008 for driving too fast for conditions. Well naturally this has given me higher payments. I was with Liberty Mutual and for liability only (my car isn't worth full coverage) I was paying $124 a month. My husbands pay was cut drastically at work so I was shopping around for cheaper insurance. I called Geico and they offered me liability for $55 a month. She came on and asked if I knew he had two tickets and at the time I didn't because I didn't know my husband in 2006. The lady told me my payments were going to be $144 with them and when I told her no she put me on hold. When she returned she offered me the $55. She read back to me everything I am getting which is a lot more than what I was getting from Liberty Mutual for a lot less price. Is it possible they just dissmissed the report to gain us as customers? I was cooking dinner at the time and my kids started playing loud so all I really heard was cha ching lol.

What is the most affordable health insurance in NYC?

My friend doesn't have health insurance and is planning on putting his new baby (born around Oct.) on his policy with him. He's Latin American and has his permanent residence card, but is not yet a citizen. Anyone know of any affordable plans for him to look into in the Manhattan area?""

Any reason for a sudden hike in insurance quote prices?

Hello i've been looking through insurance quotes as i have my renewal coming up, i was possibly thinking of getting a different car so been fishing around, especially on my current insurers website for quotes. A couple of days ago i was getting nice quotes i was happy with for all the cars i was searching including my own. However tonight the majority of the quotes i am getting have increased by 600-700? All my details are exactly the same, its actually made me quite depressed as i have no idea how this has happened. Would anyone know why this may be?""

Where can i get really cheap auto insurance. when i turn 18 I am getting my own car and own insurance.?

I don't make that much money probably only about 200-300 dollars a month so I wanted to know where i could get the cheapest car insurance in ME. i don't want to do a car quote now because I am not old enough and I don't actually have my license and a car now but I would just like an average or what around what the cheapest cost is. Thanks

What is the best individual orthodontic insurance?

Hey there, I am a student in college right now and I just got braces on a few months ago. Then my mom lost her job and we lost our insurance. Does anyone have any good orthondontic insurance out there for the individual? I'm searching but I am having a hard time even starting. The total cost is 2845.00 and cigna was only paying 345.00 anyway. Anyone else getting a better deal out there?""

Can my mom have two cars under her name?(insurance)?

I am turning 16 soon and i would like to purchase or lease my own car.. Of course i will pay half of the insurance and as much of the lease price as i can... However, before i do anything... I would like to check a few things.. Is it possible for my mother to have two cars under her name/insurance while I am also registered in her insurance? Like me being registered under my mothers insurance because if i make my own insurance the cost is very expensive.... I tried calculating how much it would cost if my mom had a car under her and another car under my name (inside the same insurance) and it was around 800-900 dollars per month.... *This is ontario..* so is it possible to have two cars under my moms name and none under mine? and will it be expensive as me having a car under my name and the same for the other car under my moms name? thanks!""

Why do wives have to be on husbands car insurance?

I have been under my parents car insurance for my whole driving life and now I am married. My husband is a new driver in the USA, and because we just bought a new car, we have to be ...show more""

If my dad is a co signer for a car will my insurance be cheap?

I'm 19 and its my first car and my dad is the co signer will my insurance be low? What are cheap insurance agencies for teenagers?

Help me find affordable health insurance in ny state if i am not poverty level?

Help me find affordable health insurance in ny state if i am not poverty level?

Car insurance for diabetics?

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

Car insurance canceled my policy?

hi, my car insurance cancelled my policy one month before its due for renewal and half way threw a claim (car was stolen). they voided the policy from the date i took the insurance out 11 months ago, the reason they gave is that i am not the registered keeper and i didn't disclose this to them but i am the registered keeper because the name on the policy does not match the log book, this is a mistake i faild to notice. the mistake is on the log book my middle (second) name is in place of my surname so i sent them prove of my full name but they still cancelled my policy. is there anything i can do? i will be grateful for any advice. thanks.""

Can a dying person get life insurance?

I found out recently that my terminally ill father-in-law has no life insurance, or only a tiny policy. How can we pay for a funeral?""

What insurer would insure me for around 200?? And what car would that be?

My friend had a ford fiesta as her first car and her insurance was 180 a month There are now kids in my school and their insurance varies between 210-250 Their cars are peugeot 3 doors and stuff I've been looking at cars between 300-700 to buy and every time I check the insurance is HUGE I am talking 800 a month nearly!!!!! The lowest I found was 360 once but then the car was sold Does anyone what car I can get so that the insurance will be around 180-250?? All the people at school I've asked don't want to tell not does my friend. I need serious help ;( The cats I've been looking at are peugeot, Nissan, ford All between 1998-2002 years 3 doors - anyone have any ideas? Or can help me with posting links?? Of cars and then insurance I am a new driver, passed my test YESTERDAY I live in the UK West Middlands Thank you!!""

Richmond Virginia Cheap car insurance quotes zip 23221

Richmond Virginia Cheap car insurance quotes zip 23221

Car insurance?

Is insurance cheaper on older cars?

Which has cheaper car insurance florida or rhode island?

which state on average has lower rates? new york which is my current state is a much higher rate than these two but im not sure which is lower out of the two.

Any 18 Year old drivers with car insurance?

I'm 18 and I cant find any insurance under 7K and this is clear ageism. Are there any other young drivers who are sole policy holders with cheaper insurance?

What are 1995 BMW 325i Insurance rates?

My cousin is giving me her old 1995 BMW 325i, four door, white. I was wondering what the rates would be for Farm Bureau Insurance in NC.""

Confused about car insurance.?

I recently got my license but my parents aren't getting me a car just yet. If i ask to drive one of their cars they say no because i don't have insurance. They said they will get me insurance within a month but I'm curious if this is correct. My friends dad said as long as that car i am driving has insurance i can drive it, but my parents are saying I need the insurance. I don't know, I'm really confused.""

Does health insurance cover self-inflicted wounds?

Do health insurance companies cover the hospital fees for self-inflicted wounds like cuts or burns?

How much life insurance do I need?

We have recently applied for 2 million in life insurance and I am wondering if this is a good amount for us. It is a 30 year term and is only in case of death of husband. Thanks for the help. Facts: Husband 31, Wife 26 Wife- not working, will be starting nursing school next year but has a bachelors degree if needed to use. Husband- Income ($100,000) We plan on having two kids in the next 5 years. Debt- two cars ($70,000) Student loans ($20,000) to be paid off next year. Savings ($100,000)""

Car insurance help !?

Can i buy a car and get car insurance and then only use it for a couple of months ? then do i just cancel the insurance an i would get rid of the car please help me an new to this.

""Queation about auto insurance in Boston, MA?""

Hey, I am 17 years old (18 in a month), male and I am looking at a used audi s5 (4200 cc 350 bhp) to buy. it is a 2009 model with 30000 miles. How much do you think i will be asked to pay for insurance each year if i purchase this car? I never had an accident btw and i dont plan to do many miles.""

Moped/ motorcycle insurance in washington?

how much is insurance for it? i already have a car and car insurance. my car doesnt get great mileage. about 15-17 on the highway.12-15 city. i use to not travel a distance too much but i moved farther away from my college so i gas up once a week or every week and a half depending on if im just going to school or if im also going out. I want a scooter or motorcyle just because there fun and better on gas. im not reckless. ill be safe and drive them to minimize the risk as much as possible. MY STATE DOES NOT REQUIRE MOPED OR MOTORCYLCE INSURANCE BY LAW. Im just curious to be safe. and for me, my faith in god keeps me safe.""

""Does any one know of any cheap car insurance, for my 18yr old son, whos just passed his test.?""

Does any one know of any cheap car insurance, for my 18yr old son, whos just passed his test.?""

What 7 seat cars have the lowest insurance group rating?

Looking for a new car for our expanding family and want to find something that's low on insurance. The lowest two I've found so far are the Fiat Doblo (Group 3) and the Nissan Cube (Group 4). Does anyone know of any other low insurance 7 seaters? Thank you! :)

What is the average price of auto insurance with 1 adult and 1 teen driver with Allstate?

What is the average price of auto insurance with 1 adult and 1 teen driver with Allstate?

How much did your car insurance drop once you turned 25 yrs old?

Did you save 50%? 25%? Less? I noticed a significant drop when I turned 21 and saved about 40% then. What can I expect next year when I turn 25? Obviously it varies and will depend on if my driving record remains clean....just wanted to get some idea

What insurance would i need and where should i go to get it?

I'm working between 3 employers doing carpentry and need to insure myself incase i hurt myself and can't work for a number of days. Also incase of something severe happening like losing a hand or breaking bones. I need to know what insurance i should get and what kind of cover. I don't know a lot about insurance so any information is really appreciated. Thanks Drew

Where does car insurance go when yo do not have an accident?

what happens to the money you give to car insurance companies when you dont have an accident?

Free term life insurance quote?

How do I get a term life insurance quote online?

Car insurance: Hybrid or conventional?

For a vehicle that is available in hybrid HEV and conventional drive train, which one costs more in vehicle insurance? and what is the difference?""

How can I get cheaper car insurance?

I live in Toronto, but my address on my liscence is in a smaller town about an hour out of the city. The car that I have is registered on my husbands Toronto lisence. I want to buy insurance using my out of the city address so it will be cheaper. Would I be able to do this even though I technically live in Toronto?""

Maternity insurance in North Carolina is it worth it?

My husband and I want to have another baby. I had to have an emergency c-section with the first baby and my doctor told me if I had another baby I would have to have another c-section. I had Medicaid with the first child, and I am not sure of those cost for that baby. I have a basic individual insurance plan now. I do not qualify for my employer's health plan because I am a casual staff worker. So my question is would it be worth spending the extra for maternity insurance or better to ask for a payment plan at the doctor's office and hospital? I would be seeing a doctor in Greenville, NC.""

A question about car insurance....?

Anyone know where top get cheap car insurance for a 17 year old in the U.K

Bike insurance vs car insurance?

im 18 years old currently going after my A2 restricted licence and drivers licence, what i dont get is why a 27 year old 1.6L car will cost me 5,500 a year to insure while a 1.6L cruiser bike will only cost me 512 a year

Cheap motorbikes to insure?

19 just passed my bike test wat a get a big bike and insure it with restriction 33 bhp. im looking at the GPZ 500 S , but there all far away , insurance for third party is 496. a year. Any one know any 250-750cc engine motorbikes that are cheap around 500-1000, and are chear to insure, i wanted the kawasaki ninja 250, but 2008 year is 1750 and the insurance is over 750. a year. to dear for me, so any idea's please let me know! thanks.""

""Insurance, What is Short Term insurance?""

What is a short term insurance? and if its what iam guessing it is like an insurance for a month,m can i renew it every month? I've seen this insurance company called Callingwood, and it says short term insurance which means that i pay 140 for a month worth of insurance, can i keep on renewing it every month? or is short term insurance not like?""

Has legislative push for affordable insurance been cut short in the u.s congress?

Has legislative push for affordable insurance been cut short in the u.s congress?

Richmond Virginia Cheap car insurance quotes zip 23221

Richmond Virginia Cheap car insurance quotes zip 23221

Do I have to go through Covered California to get private health insurance?

I'm really confused about health insurance. My mom has been qualified for health insurance through Covered California and premium assistance, but I do not qualify for premium tax credits, enhanced silver plan because I am not a member of primary tax filer's tax household. It also tell me there can be only one primary tax filer per application and if I don't claimed as someone's tax dependent, I may apply again as an individual. So my question is what does that mean? Can I just reapply as a dependent of my mother? Info about me is that I am 19 yrs. old, half-time student, unemployed, non-smoker and currently have pre-existing conditions. I'm also currently on 4 prescribed medications. It says I am eligible for coverage through Medi-cal program. The doctors I am seeing currently do not accept Medi-cal. I know a lot of doctors do not accept it because they don't get paid and I can only see certain doctors in the county or something. I do not want medi-cal. This leads to the main question is Can I just apply to a private health insurance myself w/o going through Covered California because their website isn't helpful and I have been on hold for about a hour to ask questions? and Doesn't the Affordable Care Act (obamacare) now has a law that insurance companies cannot decline/reject you if you have pre-existing conditions? Please correct me if my knowledge regarding health insurance is incorrect. Thanks.""

Car insurance?

can you repair your car wiithout infroming your insurance company? i had a little incident(dents, does not invovle any other car) on my car and i dont want to tell my insurance company, i already had another incident about 7 months ago and im afraid they might take away some priviledges from me. can i just find some car repair and fix my car""

Is getting a motorcycle in college a smart idea?

Im going to be attending UCI in the fall and right now I have a 2000 eclipse. I was looking at parking permits online and I noticed that car permits are 3x more expensive than motorcycle permits. Car permits $98-motorcycle $35. I was planning on getting either a 250 or 300cc bike to get used to them and waste less gas. The only thing is that i barely got my license 4 months ago so i know that i will pay alot for insurance but will it be more than my eclipse? (since I have the GT version i already pay allot). Im not sure if i will be able to find a job right away so i dont want to pay around 1k on car parking permits and get sunk in debt even more. But I also don't know if buying a motorcycle be a good idea. I have been riding quads for 9 years now and i know how to change gears and stuff but i have only driven a 2 wheel dirbike a handful of times. Son is getting a motorcycle a good idea or should I sell my car and have no transportation on campus or keep my car in the dorms?

Does it cost more money to ad your spouse with your car insurance?

My wife keeps asking for my car. But I dont feel comfortable giving it to her becuase her name's not under my car insurance. How does it work if i want to ad her on? Do the insurance company charge you more money or is it still the same? If they do charge more money, do you know any insurance that's reasonable price? thank you""

How to do teens afford cars without going under their parents insurance?

Hello, so my friends have their g2 and their parents pay for their insurance. My fathers cheap in ways and he doesn't want me under his insurance. I do have my own car it's a ...show more""

What does full coverage auto insurance include?

is collision and comprehensive required for full coverage? what about underinsured motorist insurance? i need to know everything full coverage includes because im buying my first car.

What co. has the best car insurance for teens?

I 18 and want to get my own insurance

Cheap car ins for 21 yrs male with ncb help?

my partner is looking for a cheap quote for car insurance he is 21 with 1 claim and no years no claims bonus we r being quoted over 1000 please help i tried loads of web sites but if any one knows a really good one or phone number that will be great thanx

Best Insurance company?

What is the best insurrance company for both auto and home please let me know as soon as possible - I live in WV

Auto insurance rate suddenly increasing by $140+?

1. I am under 21 2. The car I am driving is 2008 HONDA CIVIC 3. I go to college, my GPA lower than 3.0 4. Comprehensive / collision $500 Deductible / Basic policy overall 5. **Here is the major thing. I got a 3 point ticket (illegal u-turn) last February. BUT THIS IS BEFORE I PURCHASED THIS INSURANCE. For the first month, I paid for $190. Saying that this will go down as I turn 21 this December. The projected 6 month premium was $950. For the second month now, the total amount went up to $330. I asked the agent what the hell happened and he said the insurance company didn't spot my violation record at first. And this caused my insurance rate to go up by $80. Even so, still it's tooooo much! for the car I am driving . . . If it's BMW or something better, I would understand! Please, any advice on this one?""

Cheap Cars for an 18yr old to Insure?

Cheapest I've found so far is a Classic Mini City 1.0 @ 2,500, Corsa 1.0, KA 1.3, Skoda Fabia all came out at 4,500... Any Ideas on anything else? Thanks""

I dont have car insurance?

Currently i dont have a car. I drive my sister car and she added me to her car insurance. If she rents a car for me would her insurance cover in case of accident if i am in her policy?

""Car Insurance, and car choices for a new driver?""

I am 27 and just recently got my license. I know my insurance is going to be high regardless but I am looking into cars and was wondering what type of car would be cheaper for me to have insurance on? Should it be a 4 cylinder? Antilock brakes? A certain color? Alarm system? Are some cars higher than others? I would like to get either a honda civic or mitsubishi eclipse (my dream car). I'm just worried that the insurance is going to be through the roof. If those cars are going to be high, what kind of car would you reccommend?""

Car insurance help?

Ok so im about to turn 16. my parents said they would get me a car, but only if i paid my own insurance. can u please tell me how much it would be a month. and what company would be the lowest price. i dont know if u need this info but. im 16. white ( someone told me it matters?), i live in florida (palm beach county), and the car will probably be an audi a4. thanks for help""

How much do you usually pay when you first get car insurance?

just got an auto insurance plan that's 100/month. went in to fill out papers &payed a $120 down payment. but my mom is now telling me i should be getting a bill for $480 in the mail soon. because the premium is $600 and i have to pay the rest? but i thought that's what the down payment was for. or was that just a down payment for a down payment? lol. i'm not really sure how it works, but i'm wondering if my mom is just saying that so i don't spend all my money, or if i'm actually going to get a bill for that much. anyone know? i'm still paying $100/month, so is it normal to have to pay around $600 first?""

Who does the cheapest car insurance?

Who does the cheapest car insurance?

Where can I get affordable life insurance with good benefits?

I have 4 boys 19,18,15 and 13. So I will like to insure my kids. I live at SF, California. Any advice?""

Can I get liability insurance if I do a roll over?

I'm currently financing a vehicle and I simply can't afford it anymore. I'm considering doing a trade in for a cheaper car. I would be trading in my car which has a higher value than the car. So there will still be a finance going on but it would be a rollover. Will the other technically be paid off meaning that I'd be able to get liability on it? I just need to lower my payments because it's too much to handle right now so even some ways that I can lower my payments or insurance would be nice.

Would a fix it ticket raise your insurance?

I just got pulled over for a minor issue. My tags were expired, but I had the new sticker and I just forgot to put it on. I got a fix it ticket and I was just curious if it would affect my insurance. I live in California.""

How much will my car insurance go up?

I got a ticket for speeding (66 mph in a 45 mph work zone). My ticket total is $438. I am trying to decide whether to get a laywer and fight it or just pay it off. Approximately how much with my auto insurance go up? Cost of lawyer? How many points will I get on my license? I am 22 years old living in North Carolina and have never had a ticket. Advice?

Car insurance changes depending where you live?

My sister has had a car for awhile now that was given to her by a family member, and she had her insurance and all set up and she was fine. We moved pretty much across the street but when you cross this street you live in a different town, the borders are in the middle of the road. So she called to change her address and they charged her 30 some odd dollars cause apparently the costs of living in this down is higher on your car insurance, so can anyone please explain to me why this is? Why would moving from one town to another, [across a road] take any effect on car insurance?""

""If I add my boyfriend to my car title, do I need to add him to my car insurance?""

He has his own car and his own insurance already. Also, we live in Texas.""

How much money i need to start up car insurance business?

ok im licensed, i have office with experienced sales people , company name gaico , how much cash on hand i need to cover losses (lets say i signed 100 customers allready to gaico)""

Which life insurance to get before Dx of melanoma?

I am 99% sure I have melanoma on my leg. Have apt soon to get this confirmed and staged and start the process. I am a nurse, I know the process, and know the outcome can be one of many. I do not currently have any life insurance, never have. I have 2 small children and it is JUST me and then, no close friends, no family. Worst case scenario, if I only have a short time to live, what would be the best LIFE insurance I can get before getting this diagnosis? I would need something in which they could not cancel me if I am diagnosed with cancer within days of purchasing a premium. Today is May 11th, I should have my diagnosis by May 29th. I would like the biggest policy at the most affordable rate (I don't make as much money as you would think), but its also important that I get the fewest stipulations. By the way, I hate to admit it, but I am a smoker. I quit from 2009 to late 2010, but then started up again when I started RN school (am an LPN now, graduate from RN school in 3 weeks). Any solid advice would be appreciated. In laymens terms please. Ohio.""

Examples of how auto insurance helped you?

Do you have any personal experience where auto insurance is benificial to you? please also list the pros and cons. thanks so much <3

Richmond Virginia Cheap car insurance quotes zip 23221

Richmond Virginia Cheap car insurance quotes zip 23221

https://www.linkedin.com/pulse/affordable-dental-care-without-insurance-queens-ny-randy-chavez/"

[deafeningcreationperson-blog]

Do you have to prove you have a job to buy car insurance?

"Do you have to prove you have a job to buy car insurance?

do you need to show check stubs or anything to get car insurance

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

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Average motorcycle insurance cost for 18 yr old with 2007 yamaha yzf-r1?

Average motorcycle insurance cost for 18 yr old with 2007 yamaha yzf-r1?

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hey ive just finally bought a car now i want full comprehensive insurance weres the best place to go through? like aami,racq,nrma,real....etc thank you.""

Do I need insurance ?

I'm 16 I'm starting my own lawn care Business Do I need Insurance In case I hit something and does my car Insurance cover snow plowing

Car insurance INCREASE every 6 months with no accidents/tickets? wtf!?

Last year I had Unitrin Direct....they were charging me $85 a month...this is with NO tickets or accidents for the last 5 years of my driving record....this is also with the BASIC ...show more

Proof of insurance for a road test?

i have a road test and the dmv requires a proof of insurance i don't have insurance so does the person im supposed to go with, only my dad has an insurance on the car but he will be away on that day. Can i just go to the dmv and show them my dad's insurance without him being there?""

""Can I fight an auto insurance company, to prevent my car from being declared a total loss, in California?""

Its an older car but only has a small dent. I understand that its the value of the car vs their estimate of repairs that they are basing this on, but they didn't include options like A/C, cruise control, power door locks and power mirrors and others when figuring its worth. They instead based it on an average car in my area. When doing the math the difference between fixing the dent and totaling the car came out to $18.00. Clearly the addition of the options would have covered that spread in my favor. I want to fight this because I don't want to have a salvage title. I was not at fault and the other parties insurance has already sent me a check I have not cashed nor have I signed anything. I want to know what I can do. And if I am stuck with the total loss, do I have the right to recover for re-title and re-registration charges and smog fees that are going to add up to a few hundred out of my pocket since I am keeping the car. Thanks for taking the time to read my question.""

Medical Insurance Question?!?

I'm 24, and I've been reading a lot of posts online about people who have many health ailments and do not have insurance to get treated or go to the ER then have a massive bill afterwards. I don't understand why these individuals are not hunting around for the cheapest medical insurance they can find prior. There are individual plans out there, directly through the insurance companies, also family plans. You can pick and choose your premiums/deductibles/co-pays, hunt around for what suits your needs best. The single plans especially, can be and most of the time are, affordable. I don't understand why people do not apply for basic health insurance that would cover them in an emergency, or for general routine health-care. Premiums can be as low as 60-100 a month for a single person. Please can someone explain to me why these people are not taking advantage of what is out there? Or even possibly applying for the government assistance plans if they're not employed, especially after an ER visit with no insurance? This is an honest question. Thanks""

How much qualifies as full coverage insurance?

How much qualifies as full coverage insurance?

How to get a job as a finance & insurance manager?

I am currently a Finance Student, and new car salesman... It seems you never see F&I jobs advertized and when you do they always want people with experience in F&I... How does one get a start in F&I other than being promoted from sales, which wouldn't happen until a vacancy arises?""

Buy a car + insurance?

Hi i live in Toronto and i was looking to buy a car, the thing is i just recently moved to Canada and have no experience of this stuff, i didn't own an auto mobile back home. I also don't have that many reliable and truly trust able friends that i can turn to for help, and no relatives. So i turn to yahoo answers in my time of need. I need to know what the process of buy a car is and when and how do i get insurance on my car, I just turned 18 and would like my own car. And do you guys gave any suggestions for first cars? any tips? all help is appreciated.""

What's the cheapest and best company for car insurance/home insurance/life?

We are moving out of our current state and need to switch companies. I was just wondering what the cheapest company (also with good service) for all types of insurance would be. Thanks!

Bike insurance vs car insurance?

im 18 years old currently going after my A2 restricted licence and drivers licence, what i dont get is why a 27 year old 1.6L car will cost me 5,500 a year to insure while a 1.6L cruiser bike will only cost me 512 a year

How much would my insurance be for a mustang 1994 & 17 yr old.?

Would i have to get my own insurance or have my parents put my car on there insurance since its gonna be in there name b/c i only have a permit

HELP PLEASE! CAR INSURANCE?

OKAY SO I LIVE IN FLORIDA COUNTRY AREA IN HILLSBOROUGH COUNTY AND I WAS WONDERING HOW MUCH WOULD CAR INSURANCE COST ON A 1989 BUICK LESABRE THE INSURANCE WILL BE PUT IN MY AUNTS NAME WHO IS A (SENIOR CITIZEN) AND HAS A CLEAN DRIVING RECORD AND RECEIVES SOCIAL SECURITY. ****ALSO DOES SHE HAVE TO PAY FOR THE INSURANCE AS SOON AS SHE PUTS IT ON THE CAR OR DOES SHE WAIT UNTIL THE NEXT MONTH? HELP PLEASE?

Car insurance costs help?

I am an 18 year old looking to buy a car, so i need car insurance.. I live in Indiana. I have never recieved any tickets or warnings. Last year someone hit me, but it was her fault. Both insurances involved in that and the police have said it wasn;t my fault. The lady passed out while driving and hit me. Will that have an impact on me? What would be the cheapest place for me to get car insurance? For basic coverage and full coverage?""

Medicate and your own private insurance ?

A friend of mine stated that even If u have insurance (private insurance at that) that u can sign up for emergency Medicare If your insurance only covers a certain amount of your procedure. Is that true? I find that to be nonsense!

Cheapest car insurance for 18 year old in NYC.?

I'm 18, I had my license since I turned 18 in december, I have a clean record and my mom wants me to register my car on my name so it can be cheaper for me in a few years.. I don't wanna pay 200$ a month though, when she only pays like 90$ right now.. but I know since i'm young it will be alot. She has a clean driving record also and she's been driving for a long time, so she will also be under my policy.. I know that kinda helps me out a bit. If you know any cheap/good companies, please let me know!!""

""Im planning to buy a new car.What's the average cost to maintain it,including insurance,per year?Please reply.?""

Im planning to buy a new car.What's the average cost to maintain it,including insurance,per year?Please reply.?""

""If I make a claim using my company car insurance, does that affect my personal insurance reputation?""

I recently got into a little fender bender using my company car. The other driver wasn't present, so I left a note. He called, and I followed through by filing a claim with the insurance company. I'm worried, though, that my personal insurance reputation/rating is going to be affected because of this claim with my company car. Any information you can provide would b helpful.""

Do they take your plates from car if you dont pay insurance?

Do they take your plates from car if you dont pay insurance?

What is a good car insurance for a DUI offender ?

My 1st time offense and hopefully the last, anyone no of a good car insurance that is reasonable in prices. I've been driving for 10 yrs and no tickets did have a clean record until this happened now I feel like a felon california DUI laws are too harsh bastards thats how they make money!!""

Does an insurance consultant in Massachusetts need to be licensed?

It is corporate insurance, not personal.""

Can you please tell me of a insurance company that will give me insurance even if i have?

a pre existing medical condition i need critical illness insurance with a 6 months waiting can you give a link please to some insurance company's

Adding a driver to geico insurance?

Okay I have this crazy situation going on and Geico won't seem to answer their phones. I'm leaving to basic training VERY SOON and my car is going to be left at home. The problem is, is that my dad wants to drive it and I don't want to go through the hassle of going to the DMV, changing names, getting it registered, and getting insurance on it again. Is it possible to just put my father as a driver but still be on my insurance? If possible, how much more will they charge? Any suggestions before I leave? Car: Acura RSX (5-spd manual transmission) Year: 2003 Current payment: $682 per 6 months (liability) Fathers age: 65, clean driving record""

Speeding ticket in california with no inssurance?

My friend jst bought a car from sacramento and i was driving it since it was manual he was jst learning and i was speeding in the freeway on a 70 went 86 and i got pulled over .. with no insurance since we were going to transfer hes old insurance in hes old car to this new one toyota xrs 06... how much will it cost me for the ticket and the no insurance please help me i have no idea what to do ?

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do you need to show check stubs or anything to get car insurance

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How much would insurance cost yearly for?

for a 2005 Lamborghini Gallardo that would be purchased for 110,000 dollars. Thank You.""

How to get Get Affordable Car Insurance in Detroit Michigan.?

Is there any information i read about this?

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Where do people get long term care health insurance quotes? I've come across many websites but was wondering if anyone has had any particularly good experiences. I did come across http://www.ltcconnects.com which appears to compare various health care providers.

Can someone please help me find the best insurance for me?

I need something that covers dental, vision and as much Health as possible. (Routine check ups, lab work, specialist, etc) Something with an affordable deductible and Affordable Copay..I'm not very familiar in this area but I'm 99% sure that I have progressed type 2 Diabetes as well as other various health problems and desperately need to visit the doctor. Thank you.""

Who insures the insurance companies?

Just out of curiosity who insures the insurance companies? Do they insure themselves? If so, due to all the bureaucratic BS do they have to pay a deductible to themselves? Or are they insured by other companies? Is it just one big circle? For example: Company X's building gets destroyed by a tornado, do they pay for everything or are they insured by Company Y.""

Sr-22 insurance how much does i t cost?

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Do Muslims pay more for insurance?

I live in Slough, Bucks. My car insurance is very expensive due to where I live. Some insurance companies wont even provide insurance at all in my area. I looked at a map at an insurance brokers that showed high risk areas and I have noticed that the high risk/expensive areas happen to have a high Muslim population. Are the government aware of this.""

Cheap car insurance with dui in california?

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Affordable health insurance in NYC?

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Help with car insurance?

Hello, I am 18 and saved up alot of money for a car, I passed my test around 9,10 months ago and now i want to buy a focus rs. I dont want people saying that i shouldnt buy it and something else is better. All I want is to know roughly how much my insurance is going to be and where i will be able to get it from? Thanks in advanced""

What is the cheapest auto insurance carrier in north carolina?

What is the cheapest auto insurance carrier in north carolina?

California 50cc scooter laws?

a 50cc scooter the kind that you sit on and seats 2 goes about 40 mph does it need to be registered in ca and have insurance on it? do i need a motorcycle class license to drive it? or anything else i should know about driving it in california? riverside county.

Car insurance question.?

If I buy a car from my uncle, and do not drive it do I still have to pay for insurance on it? Extra info: I only have my permit and get my license in October. So I don't plan on driving it until October. I don't want to have to pay insurance on a car I wont be driving until a couple of months. Thanks in advance.""

High insurance rates for old luxury cars?

I'm looking to buy my first car and have my eyes and this cheap old BMW (1997-2002 don't know the exact year). Would the insurance cost me more than it would for other car brands like Toyota or Honda from similar years?

I make $500/month and want to put $1000 down on a $8000 car mom pays insurance...how much will payments range?

I make $500/month and want to put $1000 down on a $8000 car mom pays insurance...how much will payments range?

""I would like to buy bmw 328i 2000 and i live in Michigan, how much insurance would cost me?""

I would like to buy bmw 328i 2000 and i live in Michigan, how much insurance would cost me?""

Homeowners insurance vs. property taxes?

which typically costs more homeowners insurance or property taxes?

Who the best auto insurance that dont cost too much?

Who the best auto insurance that dont cost too much?

How much would it be for a 16 year old kid to buy a 2010 Chevy Camaro LT1 and get insurance?

How much would it be for a 16 year old kid to buy a 2010 Chevy Camaro LT1 and get insurance?

What is the average car insurance price for a new driver?

I have my driver licence almost eight months ago in NH. Now I moved to Mas and I pay about $ 210 per month for car insurance. I want to know if I can find cheaper or this not too bad for a new driver. I own a 2000 ford Taurus since two months. What do you think guys?

Does car title have to be in my name before I get insurance on it?

I am currently under my parent's car insurance and the car is titled in their name. However, my husband I recently got married and are going to be getting our own car insurance policy tomorrow. Does the title of my car need to be transferred to my name before I can get the insurance on it?""

How much more would insurance cost if I bought a coupe car instead of a sedan?

I'm 17 years old, had my license for 9 months. I want to buy a coupe car but my mom said the insurance will be really high. Around how much higher would it be if i bought a car like a honda civic 2001-2004 coupe then a honda civic 2001-2004 sedan?""

How much should i expect in a car insurance settlement?

My chiropractor is charging 3,000 for my treatment. I was involved in a rear end accident. I was in a small honda civic coupe, when i was rear ended by a big ford F-150. My car was totaled and not driveable (the manual transmission cracked, oil leaked out, and it wouldn't go into any gear). I suffered from whiplash injuries because of the two impacts,( one small impact, then i turned around to see what happened, then the truck hit me again). the other driver got a ticket for following too closely. I was not at fault, so the insurance already paid for my car (1800). Initially they offered 1200,but i told them i couldn't accept because i paid 2500 for it, just a month before. Has anyone had a similar case? if so, how much can i be compensated for? My back still hurts. the accident was in august""

Is the auto-insurance claim information shared if I switch the insurance company?

Hi! I am with auto-insurance company X right now and due to few number of insurance claims that I had made, my insurance is going up. I am wondering if I try to switch to some company Y, will X share my claims information with Y? Thanks!""

Do you have to prove you have a job to buy car insurance?

do you need to show check stubs or anything to get car insurance

Do you have health insurance?

If you dont then why ?

Insurance Question/Calculations?

Insurance Calculations Given a patients remaining deductible (Deductible), co-insurance responsibility percentage (CoInsurance), co-payment (CoPayment), and maximum out-of-pocket (OutOfPocketMax): 1)Use those parameters to write an equation to calculate the estimated patient cost for a $1,000 test. (You can use Excel notation if you want.) * 2)Using the same parameters, write the equation for the insurers expected payment, in the case of a $1,000 test. Calculate the patient's responsibility with the following parameters: 1) Deductible=$100, CoInsurance=15%, CoPayment=0, OutOfPocketMax=$1,000. A patient has a PPO plan with a $250 deductible with none of the deductible met. The plan has a co-insurance of 30% with no co-pay for lab services. 1)Solve for this patient's responsibility Thanks for the help!""

Cheap 125cc Bikes to Insure?

Anyone know of 125ccs cheap to insure. By the way does 3 points on my license affect insurance quotes that much??

How many people work in the health insurance industry?

* I need statistics & numbers doing a paper on health insurance

How much does Ensure cost?

I'm striving to gain weight and I was wondering how much Ensure costs? I'm thinking Ensure Plus in packs or as a single purchase. Please name stores that sell it too. Thank you!

Life insurance thc test?

Does anyone know if country companies tests for thc for their life insurance policies?

Isn't a lack of affordable health insurance merely a very late term abortion for Blue collar workers?

Alright, I'm being overly dramatic but what if, as head of household such an individual, without insurance, is treated to a very costly procedure and dies anyway? Why does it become necessary to bankrupt the remaining family as it often is? Why then, if Welfare is so frowned upon by the same opposition group to affordable health care (often referred as Universal health care by way of diversion)why is the mother, if she is unable to provide for her children often left homeless and left to wander the streets while they are given up for adoption? Why is this oft repeated scenario accepted by Christian voter or even wealthy atheists (ordinary ones, even) for whom there never may be enough money? This is a worst case scenario and actually happens in some cases. How does one address this issue? I've heard all of standard insults but I'd really appreciate an honest answer and I'm not at all in favor of universal health care for the indolent or the F--k 'em and forget 'em fathers everywhere or, for that matter, the largest group of Welfare recipients, save their unfortunate offspring.""

On average how much is car insurance at 17?

on average for a ford ka 2000 a student girl driver (please dont recommend for me to go on go compare etc as i havent got the time thanks full points for best answer

Would a 2-door car be more expensive to insure than a 4-door?

I believe 2-door cars are usually considered sports cars, in turn, making them riskier to drive and costing more to insure them. But what if it was a 4-door car that was a sports car? Specifically the Dodge SRT-4. It's a 4-door car, but it's made to be fast. Would this cost the same, or less than the 2-door? This is all assuming the cars are of the same year and everything. 2-door = Dodge Neon coupe 4-door = Dodge SRT-4""

Does car insurance decrease in price after a certain age?

for example, when you are 15-16 is it more expensive than when you are 17 or 18? when does this change?""

Paying car insurance annually?

I want to pay my insurance annually. I read something about rates being subject to change for many reasons. If this happens, will i receive a bill saying i owe more money? or if it goes down do i get money back? Im confused lol. Someone help?""

""What kind of car insurance do I need for a rental, when I DON'T have any current auto insurance?""

We are looking to rent a car for a month, and since we are both ex-pats, we don't have any USA car insurance. We've looked up and discovered we should get Collision, Liability and Comprehensive insurance. Where can we get these for cheap? My travel insurance includes a Collision option, but no Liability or Comprehensive (I'm American, my husband is English).""

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

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

Car Insurance Renewal - cooling off period?

My insurers have renewed my car insurance policy because I mistakenly thought the previous policy ended 5 days after it did. Their policy was considerably higher than I could get elsewhere. I have had 5 days cover - can I cancel without penalty?

How can I get heath insurance?

Im 21 college student and just got layed off I havent had health insurance for like 3 years and I need to go to a doctor like a gyno anywayz im going to the social services office to see if I can get like a low cost health insurance from the state or something I live in ct... but if they don't help me how much health insurance is a month? I can't afford more then 50 dollars a month I just got layeoff and I don't like getting help from the state but I really need to see a doctor

What is the cheapest car insurance in Wisconsin?

It seems to me that every insurance company out there is claiming to have the lowest rates, etc. In your experience, who has had the cheapest prices? I'm referring to basic car insurance...no frills, just the minimum coverage that is now required in WI? Thanks (and please dont try to sell me something...I just want some ideas here)""

How much would I pay for my yearly motorcycle insurance?

Thank you for your time. I am a 18 year old freshman university student living in Canada and I am really interested in buying a new motorcycle. I recently got my M1 and I will be going for my M2 next, so I am still kinda inexperienced. I looked at a few motorcycle websites and a couple of them read that motorcycle insurance is affected by age, experience, driving record, bike engine, etc. I figured that a medium sized engine probably wouldn't cost too much so I looked at a bike with 600cc. I am not worried about the initial cost of the bike since my scholarship money out-pays my tuition and housing by an excess of $4000. Also, I have had no history of accidents in cars or anything. I was wondering, based on my history and my status, what would be a good approximation of the yearly insurance I would have to pay given that I am a student and I am looking at a 600cc bike? Any input is appreciated.""

Is car insurance similar in USA to uk ?

It's hard to get insured in a remotely quick car in England if ur 20 is it the same in America?

08 lancer gts or 08 altima coupe what would be best for 17 year old and cheaper on insurance?

I want one that's fun to drive it has to be reliable I don't want to race but I do want a little speed I want whatever is cheaper on insurance and I'm stuck between these two cars what do you guys think?

When does insurance comapanies stop charging outrageous rate for male sports car drivers?

I just turned 24 and am thinking about getting a sports car. I heard the insurance comapany charge outrageous rate for male drivers until certain age. I was wondering what that age is.

""In general, How much does car insurance go down after marriage?""

I live in Seminole County Fla, am 22 and getting married. I pay 135ish a month now, how much does it usually go down???? I'm not asking exact just a rough estimate?""

""Im getting quotes for well over 4,000 for car insurance is this right?""

Im getting quotes for well over 4,000 for car insurance is this right? My grandson is 17 and has passed his Advanced driving test. He has a VW Polo. Would he be able to be put on my insurance as I have 5 years no claims. Would this lower his by much? He has also been driving cars/tractors around a farm since he was about 13 would this make a difference? Thanks""

Insurance on a 2007-2009 Honda Civic SI coupe?

I am 18 years old and I have had my license for just over a year with a clean record (no tickets, crash, etc.), I was wondering how much full coverage insurance would be on 2007-2009 Honda Civic Si coupe, the insurance will be under my father as primary and me as either secondary or occasional, my father has a clean 15 year driving record. How much will insurance be monthly?""

Does anyone have health insuance?

I need help! I need health insurance and unable to get it due to my chron's diease. I live in Califorina and no one will help me because my husband and I make too much money (yeah right) I need some help on what to do please anyone

Car insurance bill???????

Sooo, my moms car insurance is due on the 15th & we have $30 to last until the 22nd, when she gets paid. The bill is $130 & idk what to do bc in Ga you can't drive without insurance. how can I make $130 over a weekend?""

Do you have to prove you have a job to buy car insurance?

do you need to show check stubs or anything to get car insurance

What Insurance Agency Will Cover Salvage Rebuilt Cars?

I own a 2001 Ford Focus that I'm just now finding out is a Salvage Rebuild vehicle. I switched from the New York State insurance to Geico because it was cheaper, but Geico doesn't cover salvage rebuilds (I only found out it was a salvage rebuild because it was on my title). I purchased the car from my great-grandmother, who purchased it from a dealership in 2004. According to them, they do not sell salvage rebuild cars, but lo and behold, it is a salvage rebuild (from NJ!). I need an insurance company by the 9th of this month that isn't going to cost me an arm and a leg for a downpayment ($298 for GMAC... eesh). Does anyone know of what insurance agencies DO cover salvage rebuilds and are online?""

Will my car insurance rates go up?

A year ago, I got into an accident that was my fault. My insurance rates went up. Recently they dropped but at school, I was pulling out of a parking space and I ran into another girl's car. Will my insurance rates go up if she put in a claim? If so, how much. Any thoughts? What should I do?""

""Can anyone recommend a good, trusted car insurance company in Southern California (Los Angeles)?

Can anyone recommend good/trusted car insurance companies in Southern California (Los Angeles)? I just moved to Los Angeles from the East coast so I am not familiar with the local car insurance companies. I have had Geico for the past 6 months but I'm not sure if I want to stay with Geico. The customer service people are kind of rude.

How much on average does it cost to insure a 21 year old female driver with her G2?

I just bought a car and need to get insurance. I am 21 years old have my G2 currently but will be going for my full G in the next couple weeks. I have taken drivers ed in the past and I am a university student. Previously i was paying $50/month as a secondary driver under my dad and received a quote for $156/month as a primary driver is this a reasonable price?

How much does street bike insurance compare to a sport cars?

Right now I have an 06 wrx sti, insurance is crazy with me being 19 and not having the greatest record. i've been wanting to get a bike(starting with a ninja 250 probably, no ...show more""

15; might be pregnant without insurance?

Okay yeah i know i asked this already but i didnt get enough answers. please if yu reading this answer me and NO HATEFUL COMMENTS. how much would it cost for a blodd test in florida? and would the teen clinic help me?

Car insurance and registration?

SO, I recently bought a car in New Jersey form a car dealer but didn't get the license plate for it because eI have a FL license and I need insurance. I rencety asked a friend for a recommended car insurance provider and he informed me that the car needs to be registered in FL to get FL insurance. Now, my questions is does it really need to be registered in FL to get FL insurance? because my license is a FL license, not a NJ one.""

How much will two speeding tickets increase my insurance?

I got a speeding ticket last year around the same time for 15 mph over and just received another (in a different state) for going 18 mph over. Also, I have another ticket from 3 years ago (will be 3 years in a couple weeks), so that shouldn't effect my insurance after that. I called my insurance company and asked them how much my insurance would increase with this new ticket. They said $11 over six months, so that equates to less than $2 a month, which is fine, but I'm just not sure how honest they are being with me. Another person from the insurance company told me my premiums would go up by atleast $10/month without calculating anything, which seems excessive. Do you think it will be closer to $2/mo or $10/mo increase?""

What coverage to get for car insurance for my son with ' L'?

what coverage to get for my car insurance , my son jest got his L. so what insurance coverage do i need to add to my car if i want him to drive it whit me , because I'm afraid if a crash happen. I live in british consulate vancouver ( ICBC ) this is the web site of the company (http://icbc.com/) so please help me .""

How much roughly will my car insurance go up if I make a claim to have it resprayed due to vandalism?

How much roughly will my car insurance go up if I make a claim to have it resprayed due to vandalism?

How much i will paid from insurance Vauxhall Astra DR5 1.4 1995 year and where is the cheaper??

Vauxhall Astra DR5 engine1.4 made in 1995 year.I am looking from something cheap but good.

Car insurance wise..im 16 living in Houston. How much will car insurance cost for a 2006 mustang gt?

Car insurance wise..im 16 living in Houston. How much will car insurance cost for a 2006 mustang gt?

AFFORDABLE auto insurance for 18 year old?

I am 18 years old. I live with my mom and younger non driving brother. My mother does not have her licence because she is not well and my little brother is to young to drive. I am ...show more

Insurance Rate for a ZX6R !?

anyone know how much insurance would roughly be for a 17 year old 2007 ZX6R Motorcycle Course Completed In Ontario Thanks!!!

Which insurance companies will have to pay to fix my car? Mine or the other guy?

I had a car accident two days ago. I was hit by other one but police said that's a miner damage. And it seems to be my fault. No police report make. Today, I went to a body shop to estimate the repair. It's about around $2200-3000. It's a lot. kinda scared me actually. No idea should i call my insurance company to tell them or? That's my first time to have a car accident. My insurance has $200 deductible. Can anyone tell me what does that mean?""

Adding someone to your car insurance policy?

I'm a new teen driver and as you may all know insurance rates are sky high. I was wondering if a family member, who doesn't live with me, can add me to their insurance policy? If yes, does the car have to be in their name? Or do I have to have the same address in order for them to add me?""

Ive had my plates for a year with no insurance how can i get my license back?

i had a lapse and just never turned in my plates i never been stopped by police but i just got a nice car that i want to get registred

Auto Insurance?

Why cant we have insurance on Auto Repairs. Where we pay a co-pay (like health insurance) or deductible and the auto shops are regulated by the insurance companies. We would pay more for cars that need more repair. Wouldnt it make automakers more interested in making a better car?

Do I Need Auto Insurance if I don't have a car?

Ok, well i just got my liscense [ i`m 16 ] ... i don't have a car, so do i need auto insurance? i don't know if this is a dumb question, but people are telling me i need to be added to my mom's insurance and stuff. i`m trying to under stnad the whole car insurance thing so hopefully somebody can help.""

""Attention young driver's, where did you get insurance from?""

My 17th is coming up soon and I really want to be able to drive however every time I look for insurance the cheapest ones I can get are in excess of 2500 at least! Also are there any cars or small hatchbacks that are best to insure, keep and drive in your opinion???? Is it best to get my own car and have my parents as named drivers or the other way round? Thanks! :)""

Will I be paying two deductibles or one for two car accidents different insurances?

Hi, Today I hit a car that is of a stranger and we exchanged information about each other's insurance. That person's insurance company and mine are different. We didn't ...show more""

Can anyone take a Life Insurance Policy on my life without me knowing it?

A while ago I heard of a story of a buisness taking life insurance policies out on their employees without their knowledge of it. So, I figure it cant be a far stretch for anyone to take out an life insurance policy on anyone if they know the relevant personal information. If they can, how can I find out what insurance company has written so I can have it DESTROYED.""

Where can I get affordable liability insurance for small moving company?

I am looking to start a moving business and I need to find reliable and affordable liability insurance.

What insurance company provides the best rates?

So I just bought my Volkswagon Beetle and need to insure it. I'm looking for the most affordable and most reliable insurance company out there. Any suggestions? Thanks in advance

Which is best insurance scheme Home loan insurance or Life Term Insurance to protech Home loan?

I am having Home loan 20 lacs and would like to protect the risk. Could you suggest which is best insurance scheme Home loan insurance (Protecting home loan alone) and Lime Term Insurance (protecting like not home loan). I want to know the premium which one is lower and benefit one?

Do you have to prove you have a job to buy car insurance?

do you need to show check stubs or anything to get car insurance

https://www.linkedin.com/pulse/classic-cars-cheap-insure-mefford-bischoff"

[bloginstantmooncollector-blog]

How long will my accident affect my insurance premiums?

"How long will my accident affect my insurance premiums?

I just filed a claim with my insurance company, in California. If they find me to be at fault, then how long will my insurance cost more? Is there a certain time that it won't be on my record, or count anymore?

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

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How much does car insurance cost for a 16 year old?

Im a girl with good grades that would be added on to my parents insurance policy, can anyone give me a dollar estimate?""

Affordable term life insurance quote?

What good is affordable term life insurance in florida?

My age is 28 nd m a govt employee which is the best insurance plan for me which provide me best benifits..?

My age is 28 nd m a govt employee which is the best insurance plan for me which provide me best benifits..?

California insurance testing help!!! Please! ?

I've been studying for the California life health and accident license and I haven't been able to pass. I'm rescheduling and I wanted to know where I could find more information or ways to study. Where can I find tests similar to the actual one and so forth. Please this means alot and hopefully I can finally pass.

Ticket for no proof of insurance?

in california best friend got a ticket for no proof of insurance at the time of accident, he doesnt have insurance i know everyones gonna write about that but how can he fix the ticket? he didnt know that his insurance was canceled his dad who lives out of state pays. ive read other questions on YA and one said u can take proof of insurance to the clerk before the court date (the judge) and they will disregard the ticket? if the insurance card says that hes covered from 6/30/09-6/30/10 would the clerk check to see if hes paid?""

I need health insurance?

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""If someone makes an auto insurance claim against me, does my insurer have to infrom me?""

Two years ago a girl rode her bike into my car as I pulled into my driveway. There was no damage to my car but she fell as a result of it and called her mother who asked for my insurance information. The police came and after the girl and her mother filed a police report, deemed that it was her fault for a) riding on the sidewalk and b) for not stopping when she saw the car because i was already mostly in and witnesses could prove that. Anyways, today I was shopping around for a new insurance quote when I was told they couldn't offer me coverage as I made a claim in 2010. This is the only incident that happened that year. Now, my insurance provider never informed me that a claim had been made. My premium went up but when I asked all I was told was that they had yearly increases. Is it their legal obligation to inform me if a claim has been made. If so, what are my next steps to a) clear this up and b) take action against my insurance company?""

""Moving to Toronto Canada, Need Car Insurance?""

I am moving to toronto, canada and looking to see what company provides the best coverage for the lowest cost as I understand insurance is privatized in Toronto.""

Should the government ban gender discrimination for insurance rates?

Why is it legal for car insurance companies to charge males more than females when they have the same driving record, same age, same car, and same everything else?""

Car insurance question?

I'm from the UK, 22 year old man. Passed my driving test in November, looking to buy my first car. For the cheapest 2 insurance bands, how much a year could I expect to pay for insurance? ball-park figure obv. also, can you give me examples of the sort of cars I'd be able to get insured for?""

Renting a car without insurance?

I am planning a trip in a couple months with a friend of mine. We will need to rent a car. I do not have a license, so she'll be the driver. She doesn't own a car, so she doesn't have any kind of car insurance. We'll be renting with a debit card, so there won't be any coverage from a credit card either. Will we need to buy the rental insurance from the rental car company (most likely Thrifty)? Any idea how much it would cost?""

Anyone know where to get good individual dental insurance thats effective immediatly?

I need my wisdom teeth removed but have no insurance, most individual insurance companies have a 6 month waiting period for procedures other than preventitive. I need them out now because one was infected and I got it treated with antibiotics but Im afraid it will come back because it keeps bleeding. Any help will do and I am in florida.""

What lowers insurance for a car?

I am a 21 yr old male, and I know that I fall under the category of drivers who are not married, male, below 25 so insurance will be more expensive on me. What I want to know is what features make a car insurance less expensive? I know one big one is that it is a sedan and not a coupe. What else? (What are the big insurance savers?)""

Car insurance for 16 year old in Seattle?

I am a male. The car i would be driving is a 2000 BMW 323i sedan. I would have USAA insurance. does anybody know roughly how much this would cost?

How much would insurance cost. The car is a 2000 Lincoln Continental.?

How much would it cost I would mostlikely be put on my parents policy. Just wondering how much it would cost. Im 16.

How much would it cost to be added to my moms insurance policy?

im 17 years old (female)about to be 18 in march,want to get added to my moms policy which she pays 103 a month for ,the car is a 99 nissan sentra i have had my license for about a week ,did driving school and probably can get the good student discount how much would it cost?""

Car insurance?

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Friends borrowing car - how do i insure them without using my car insurance?

I want to make sure they're insured to drive my car but really don't want them to claim on my policy should anything go wrong - is it possible to just get temporary car insurance to cover them separately from my insurance?

Scooter Insurance Certificate ?

How long would it take to receive a Insurance Certificate through the post ? And can it be done through Email ? I need to know because im dong my CBT soon but my bike has no TAX at the moment. And can anyone recommend a good CHEAP insurance company ? Thank You Very Much James

A guy crashed into my today and totaled my car-how much will his insurance pay towards a new car?

My car was worth about $8000, give or take (that's what the officer told me). It was completely paid off. How much will the other guy's insurance pay towards a new car, or should I ask for a check? Which will be the better deal?""

I'm 19 and need the cheapest insurance?

I'm 19 just got my license and need the cheapest insurance.I don't need collision just liability insurance as my car isn't worth 5k. So seriously bare bone cheapest ever,I have a flawless driving record,I'm 19,and am trying to insure a 92' Buick Lesabre Thanks""

Need help! ASAP! What will the insurance company say?

My boyfriend and I were at a stop light the light turned green. We started to go (this area is under contraction so the lanes are all messed up). The car in front of stops then hits their braks so did my boyfriend but it was to late we hit her. The car started to coast back and hit us again. Then we tryed to pull of to the side. We realized that it was a chain reaction. Car #1 was hit by car #2, car #3 hit car # 2 and we hit car #3 in that order. We did not launch all the cars together. I did call the police and we got the stupidest officer there was that pretty much wrote the story up wrong. At the sence everyone was agreeing what happend. The woman we hit was a 77 year old lady. The first thing she when she got out of the car was she couldn't get her car in gear. (I don't know why it was out of gear but ok) Car #1 and Car #2 said they weren't going to do anything about their cars insurance company wise. Car #2 I'm sure will be going after the older woman in Car #3. The older woman said since it was likely the bumper would just buff out it was ok for my boyfriend to do that for her. But he said he would not touch the front of her car. (After talking to the insurace company they said my boyfriend fixxing it is a bad idea) My boyfriends car is the worse out of all of them it smashed in hood in, and broke the radatior brakets. (His car sat higher then hers and thats why it smashed it) The cop did try to write my boyfriend a ticket but the woman said it wasn't his fault the other cars hit before he hit Car #3. How will the insurance company handle this? What will happen to our car? We have Geico inusrance will no colistion insurance. It seems like his inusrance company is trying to say it was all his fault.""

Help solve my High Car Insurance problem...?

Thanks everyone for your valuable opinions. I just purchased an '07 black Toyota Yaris with about 24 k miles. I am a 20 yr old male living in Texas. Well my insurance went sky high from my last vehichle, an old '90 clunker Geo. It went from like 100 and something to like 350! I have Farmers Insurance. What are my options on things to do??? The title of the car is in my name. I pretty much do not have any credit. My mom happened to mention something about changing the title over into her or my grandma's name...and then she could add me as a driver to her insurance. I really don't know, the situation is very confusing. Please help me know my options, I can't afford this! P.S. All insurance companies will charge me about the same givin my age, etc.""

What kind of motorcycle could I get?

I want a vehicle and I think a motorcycle would be kickass. If anybody has any experience, please help me out. Is there a good bike I could get used under $3000 that I could ride on the highway (75 mph). Does your car insurance go up when you get the license? What would insurance cost for a 17 y/o male with no collisions or infractions? Any help would be greatly appreciated.""

""Will will my insurance rate increase, if my parked and unoccupied car got hit?""

-MY CAR WAS HIT WHILE PARKED, ANOTHER CAR WHILE REVERSE PARKING DAMAGED MY RIGHT SIDE FRONT DOOR (675.00 ESIMATE) -I HAVE A POLICE REPORT AND INSURANCE HAS BEEN CALLED (HAPPENED SEPT 16) -HAVE ALL INFO ABOUT ANOTHER DRIVER, I DID NOT GIVE HIM MY I""

How long will my accident affect my insurance premiums?

I just filed a claim with my insurance company, in California. If they find me to be at fault, then how long will my insurance cost more? Is there a certain time that it won't be on my record, or count anymore?

Auto Insurance?

When a child is taking Driver's Ed ...and you are giving him extra practice time while you are in the car. Do you need to add him to your insurance?

What is the average cost to deliver a child without insurance?

What is the average cost to deliver a child without insurance?

""Geico Car Insurance, help? what do i do?""

Hey guys, my parents have three cars and all have geico insurance, but we're about to be out of country for a month or two and not even going to be using the cars for one or two months.. Is there a way that we can cancel/pause the insurance, so we won't have to pay insurance for a month. I mean we're not even gonna be using the cars, so were losing 1,200 dollars for absolutely nothing.. And if you can, can you explain it or just give me a link? thanks""

What kind of insurance will cover rhinoplasty pertaining to broken nose?

My nose broke and now I have what the doctor told is called Saddle Nose. He said there is no rush, but I have some difficulty breathing and it is somewhat deformed. I have University of California health insurance, will this help? How should I get this procedure done for the most inexpensive cost? Any insurance experts?""

Importance of public insurance?

what is it's importance to the public insurance user?

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

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

Looking for health insurance?

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Is get auto insurance a good insurance company?

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How to get cheaper insurance with an impaired driving/hit and run charges?

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I need affordable mortgage life insurance. I' m 62 and have a heart problem that is under control with meds?

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Where can I get renter's insurance for cheap?

For an apartment in California

I need some help with insurance please?

Hey. I'm getting my 'Learners Licence' in the year of 2014. I own a 1984 Datsun/Nissan 300zx turbo. 2 seat, rwd. I live in abbotsford British Colombia and I just wanted to know how much insurance would cost per year with drivers ed. How much it will cost with my L, N and full licence. Thanks.""

Insurance under Obama care?

I am 22 years old and graduated a week ago. My parents have insurance through trustmark insurance and I've been recently hired on full time for a management position. Being a full time employee, I have the opportunity to get my own insurance or waive it. I've heard that I should be able to stay on my parents insurance until I am 26. However, I've also heard that I would need to be a student in order to continue on staying on my parents insurance. So essentially I am asking whether I should be able to stay on my parents insurance until I am 26? If my wage is needed for this, I make 14$ an hour. My parents are more than willing to keep me on their employers insurance.""

Will my car be inspected by my insurance company even if I don't claim myself in an accident?

I want to lower my car and camber my wheels, however my car insurance will not let me untill I am 25. I know if my insurance company find out, my car insurance will be void. Under what circumstances will my car be inspected? Will it be inspected If I don't claim? I don't mind not claiming on my car because the value of it is only about 400""

How much would a 2002 impreza wrx cost to insure?

Im 17( i know im about to get a bunch of your going to kill yourself! AHHHH!!!! i regularly drive my dads 05 mustang gt, i know how to responsibly control power) and me and my parents have found a great deal on a 2002 impreza sedan, it has 125k miles on it, and the last thing deciding factor before buying this vehicle is the insurance. We already have a mustang gt on the family plan, i live in VA, make all A's(supposed to give me a 30% discount), im male, the color is blue, with only a greddy bov aftermaket part installed. The car itself is blue, it is the turbod WRX version(not the sti), and has never been wrecked. We have state farm, im not sure as to what other information anyone would need to know, but im jusst looking for a rough estimate, thanks for any input.""

Does federal violation notice of violation affect my insurance and DMV history?

I live in California and I received a Federal violation notice during a trip to grand canyon and it was because I passed a stop sign ( it is stated as unsafe operation in my ticket). Within the instructions on the ticket it says if you plead guilty and pay the fine, we may or we may not report it to the DMV. Does anyone know if this ticket is going to be counted as a point and affect my car insurance? It seems too complicated and costly to go to court in this case and I paying the fine seems the only practical way!""

How much is average home insurance; with a pool?

How much is average home insurance; with a pool?

What medical insurance is cheap in California? ?

Is there medicaid n Cali ? Or just Oklahoma

Will i still be on my parents' insurance?

So, there were a bunch of changes made to health insurance due to the Health Reform. i heard that the coverage i get from my parents (since i am a dependent) will last until i'm 26 now, instead of 21. we have western health advantage through my mom's work (i think) and live in california (not sure if that makes a difference). anyways, i'm 18 and currently in college. next semester i'm hoping to take off so that i can work full time and save up money so that i wont have to be so financially dependent on my parents in the near future. do i have to be in school in order to still be on my parents' health insurance? i will still be dependent until i get my own apartment and get married, which will be in about a year or 2""

How do insurance companies expect 17 year olds to not front?

Im not being funny, but its quite clear that seventeen boys cannot afford to pay 300-500 per month for a car worth 400, there is no possible way to afford that when you are trying to do a-level and your part time job pays you maybe 80-120 per week, its just unreasonable, whats the point in having a license if they expect you to pay that, so i can see why most teens do front""

Small business insurance?

My friend is starting a small handyman business, and we were discussing liability insurance. Does anyone know the requirements for the state of FL and any decent and affordable companies?""

Is AARP's Homeowners/Auto Insurance A Good Deal?

Mom's insurance company made a whopping raise in her premium claiming they have been under charging her for 58 years! She wants to switch to AARP for homeowners and auto insurance. Are they a good company to deal with?

""Im 18, how do I apply for car insurance?

my mom is a b**** and is dropping me from the family car insurance things and was like you have untill friday to get your own insurance I have absolutely no idea how this stuff works. and know that it will probably cost more because its for only 1 car. help!

Legal question about car insurance?

I bought a car off of my coworker a few months back, and everything is in my name. I had paid for insurance but I was going through a rough patch and it lapsed. My mother, whom is living with me, decided to be nice and pay for a month of insurance, through a new company. This is a new policy, as my old one had lapsed. Recently though, my mother and myself have had a falling out. She's holding my car over my head. She says since she paid for a month of insurance she has free reign over using my car. The car is in my name, and as far as I'm aware based on documents the insurance is as well. The only difference is she paid for that one month of insurance for me. And that month she paid for is still active. So like I said, she is holding the car over my head. I left my house the other night with my car key so she couldn't use it - This is after everyone I asked that I knew told me to take the keys. She is also living with me, I am renting the home. She is making threats through text messages saying that if I don't return the car key she will cancel my policy. Is that possible for her to do? She just paid for a month of insurance, and I believe I'm completely in control of my policy. I don't believe it can be cancelled through her calling. Is that possible? Anyone know? So not only do I own the car, I also rent the house. Legally I don't believe she can hold my own car over my head. Also, to add... After taking my keys, I left my home and went to a my girlfriends to get away for a while. Since I have taken my car keys, she has taken and hid my car battery to insure that I am unable to remove my car from my property. She refuses to give it back because she paid for my one month of insurance to start my policy again... So my questions... 1. Is it possible for her to cancel my insurance is the car is in my name, and if the policy, I believe, is also in my name? 2. Legally, can I call the local police department and have her surrender both my car, as well as it's car battery to me? I don't have my registration information on me, she removed that from the car as well. But a quick look up on my license, as well as my car insurance card that I have should be enough to validate it is indeed my car, correct?""

Can my parents add me to their car insurance?

My parents have Allstate car insurance. I have my own car registered in my name. I live with them. Can they add me to their car insurance?

How long will my accident affect my insurance premiums?

I just filed a claim with my insurance company, in California. If they find me to be at fault, then how long will my insurance cost more? Is there a certain time that it won't be on my record, or count anymore?

Auto Insurance broker failed to add driver and now claim has been denied Help pleassssse?

So I called the owner of the broker company who told me that he would gladly backdate the policy upon the notion that AIG would accept it and they said that they would. Then the owner called me back stating that his broker that issued the policy already gave a recorded statement to the insurance company stating that he did not remember us requesting the added driver to the policy so he cant help us or he would lose his license as a broker by recanting on a recorded statement so he then told me to make the adjuster take the recorded statement off the record and they will do it but it is illegal to even ask them to do that. Our Policy has canceled several other times due to this broker not turning in the proper paper work to AIG. I need help I have went through all the chain of comands and the california insurance board what is left??

Where do you normally store your car insurance?

The dilemma: I've always wondered where one would have to store his car insurance and automobile registration in. Say you get into a car accident or a roadblock, you'd have to provide proof that the car that you're in is insured and belongs to you. However, putting your important documents in the glove compartment or even tucked away in the back trunk is always prone to break-ins. So the question is would it be better to keep it in the car or keep it the house (or bank, if you're that paranoid)?""

""Looking for a good first car, one with low insurance rates preferably?""

I just turned 16 and am currently in the market to buy a car. I am looking for something in the price range of around $2,000, possibly a small four cylinder pick up, or a japanese sedan. Does anyone have any sugestions for a good first car, and if any one has expeiriance with insurance can you tell me a price range of what I would be looking at for isurance, I have good grades and looking for a minnimum policy in Florida. Thanks if anyone can help me although I know I probably wont get much help with the insurance part.""

Buying a motorcycle and driving without insurance in ontario?

I was considering to buy a motorcycle in ontario a cbr125r, and if i do make the purchase and drive without insurance, how much could i be fined? and im 18 and i would be considered to be a new driver, how much does motorcycle insurance typical cost for a year?""

Do you need to pay insurance on a 50cc scooter in utah?

I just bought a 50cc scooter and i was wondering if in Utah you have to pay insurance on it? also about how much is it to register it?

What companies are best for cheap car insurance for young UK drivers with provisional licence?

I have tried confused.com etc I am 20 and have a 1.5TD

How can i get cheaper car insurance there must be a way!?

Hi i really can't afford much and i do want a cheaper car insurance quote for my car.But i don't know much about how to get my car insurance quote down is there any tips or ways that you can tell me because its expensive and i am not even a classed as a young driver so it should be cheap!

Pass Plus lower insurance?

Ive passed my driving test and looking to get a car. The plan was to get a car and put my dad as the first named driver and add me on. From what ive found its around 2800+ which is a lot of money. My driving instructor says Pass Plus is a good idea for when you pass your test, will it lower my insurance? Or is it just a myth?""

Anthem Blue Cross Insurance?

Does anyone here has any problem with Anthem, Blue Cross Insurance on making phone call or trying to contact them any way? Every time I tried to call them, I have to be on hold for at least 30 minutes, sometime 1 hour but still couldn't get any help from them. I feel they are helpless, careless...bad service Insurance as I ever know.""

Can i drive a newly purchased car with a dealer's tag without insurance?

i just bought a car that isnt registered because the tag is being sent by mail. Can i get insurance without a tag and can i drive the car with a dealership tag?

Who offers cheapest auto insurance in ontario canada?

Please suggest the cheapest auto insurance company in Ontatio, Canada.""

I'm having trouble trying to get under my dads insurance policy?

I've just gotten my license and found a car I was going to buy so I called my Dad's insurance company to try to get under his policy. However they said I cannot go under his policy because she knows that I will be the primary driver as well as the fact that my dad is already the primary driver for two other cars. Without my dad my insurance rate is around $4500/yr. My dad does not speak english very well so I have to do the calling and talking. What should I say and do so I can get under my dads insurance policy?

Who is the cheapest car insurer for 2011?

my car insurance has gone up 140 this year

Sports car insurance... Wil it be cheaper if...?

Well im 18 years old and still live with my rentz. I have a job and i make 1400-1600$ a month. I have only a few minor bills. Here in about 3 weeks im buying a 1996 pontiac firebird v6 coupe from a dealership. Before i buy the car i need some insurance info. Iv been to over 10 of the leading insurance companies and gotten rate quotes and there all 400$+ a month.. This is suprising because i only payed 120$ a month for my old car ( f150). So im wondering if my insurance will go down if my parents add me and my car to there insurance? If so how would i go about this? And how much of a price difference would it be? All answers are appriciated.. **No Spam Please**

What is the cheapest price university in California to study Power Plants for international student?

I'm holding Diploma certificate in Airframe and Power plants, i need to continue my study in US, CAL exactly but i didn't find the perfect university i need a low price university which i can get bachelor degree in it so i need a help please as soon as possible to get start soon.""

Cheap Motor insurance HELP PLEASE!?

I am 19yrs old and i need a renewel for my car insurance, any suggestions? i have tried... money supermarket confused aa any more? thanks""

Would this work? (Named driver question)?

My good friend has her car and she is insured on that. She takes out another insurance policy for which I can be named driver on, but I drive the car always. We live at separate addresses. If I crash, she will only lose her ncb on the 2nd policy right? Which I will pay for just as a way to get insurance cheap. Also what if I dont crash, does she get 2 years worth of ncb in one year for having 2 policies?""

How much does AAA car insurance cost?

okay im 15 years old and will be able to start driving next year. My parents promised to get me a car and pay for the first years insurance but only if i have enough for the second years insurance in my savings. The auto insurance my family has is AAA so if anyone has it and knows how much it would cost a new driver please lemme know thanks:)

How does purchasing a car that was subject to an insurance claim affect the new buyer?

I'm looking to buy a car on autotrader and to be honest I really do not know as much as I would like to about cars. Someone is selling a car for quite a bit cheaper than its worth but the reason they've given for this is that the car has been subject to an insurance claim. In what way will this affect me?

Motorcycle insurance in canada?

The insurance companies in Canada are punishing seasoned riders with annual increased rates for motorcycles. Some won't even insure you if you change the pipes and the breather on your bike! Is there an association that can aid seasoned riders with fair insurance rates? If not, can we start one? If you've been riding for more than 20 years, I would like to hear how you are managing with these rip offs by the insurance companies.""

Finding information about monthly payments?

I am currently looking to move out of my parents house and get an apartment with a friend of mine that is 45 mins away from my hometown. I am a sophmore in college and I would like to have the experience of living on my own for a couple years near my parents before I move thousands of miles away after college for my career plans. Now I am looking into my costs and spendings on living on my own. But the problem is I really don't want to talk to my parents about this until I get it all planned out. But I need to find out how much my car insurance, health insurance, life insurance, car payments (if there is still any), cellphone bill...and other expenses that I need to find out on a monthly basis to get an idea of what it will cost for me to live on my own because my parents pay majority of everything for me and I just been working and saving money for this opportunity to live on my own with a roommate or two or three (maybe). How can I find out this information when the expenses are not in my name but in my parents name? And without my parents finding out that I am looking at all this? Thank you!""

Cancelling Car Insurance questions any help please?

Okay, first and foremost thanks for reading. The situation with me right now is I'm thinking about cancelling my car insurance after this month. This is my first time having insurance but I can't afford the payments because I have been unsuccessful in getting a job. Not only that but the car cannot be driven again until it is fixed so it will stay in the yard. I didn't get into an accident or anything but it needs a few parts cause they've worn out. So I was just going to get it cancelled/lapsed whatever since there is no point for me to have it if I cannot drive my vehicle. I don't have the money right now to repair it either. I'm thinking about cancelling it, waiting until I get my car fixed and then getting some new insurance. But my mom told me that once your insurance runs out in NC you have to bring the tags back... Does that mean I have to pay the full registration fee again once I get another insurance policy as well? Or can I somehow just keep my tags until I get some new insurance within the next two or three months? By the way the vehicle will stay parked until I have enough money to fix it and insure it.""

Low income insurance for a 24 years old student who live in VA?

I am a full time student who live in VA. I am looking for some low income health insurance for myself. Currently, I got some illness and I really need to see the doctor; however, I dont have any health insurance. Is anyone know any health insurance would be providing for a person like me? My family is low income family. Is any way I can get a health insurance from the government? Thank you!""

How much for car rental insurance?

hi i will be renting a car for 2 weeks and i need to know whether it is necessary to take car insurance and how much would it cost? also will it vary if I am less than 24yrs of age? i do not own a car and so dont have any auto insurance. i just need to know an approx figure... :)

What would it cost for insurance for a 16 year old male driving 1980 corrvette?

What would it cost for insurance for a 16 year old male driving 1980 corrvette?

How long will my accident affect my insurance premiums?

I just filed a claim with my insurance company, in California. If they find me to be at fault, then how long will my insurance cost more? Is there a certain time that it won't be on my record, or count anymore?

Anyone have advice on what affordable health insurance company I should choose?

I don't want a deductable. And I want it to cover everything if I'm hospitalized.

How much will car insurance be?

Im 17 and im 18 in september and i have a renaut Clio Grande year 2000 X reg, 1.2 litres. Ive got quotes off of compare sites for 4000 a year yet i feel this is ridiculous? I have heard of friends getting it for 2000ish. Where do i find or get these cheaper insurance deals? Will it go down at 18?""

Whats the difference between home insurance and rental insurance?

for my rental property? Is it a good idea to switch home insurance to rental insurance when a tenant is living in my rental property just in case if they smashed some holes on the wall, or some damages on the property? Thanks!""

How to get bonded and insured in Texas?

We are starting our own business and running it out of our house. We need to get bonded and insured, but we don't know where to start. Anyone have any suggestions?""

Car insurance quotes?

I have just spent an endless amount of time on various car insurance sites, which start of with reasonable quotes then you add the bits and pieces on and you end up with ridiculous final costs. I am not insuring a 0-60 in 5 seconds type car but a small 1.4 Honda I am fully aware that any car can cause damage,my wife drives the car,has had no claims or convictions. I have a larger car and the insurance is 50 cheaper than all quotes received so far,which includes breakdown recovery,protected no claims and legal cover. anyone with car insurance advice would be appreciated, these car insurance sites are a pain""

Does a warning for running a red light increase insurance rates? PLEASE HELP!?

Today I got pulled over for the first time for running a red light , when the officer pulled me over, as he was getting off his bike I took my seatbelt off (I know, now that I think of it, it was such a stupid thing to do, but it was my first time being pulled over and I didnt know how to react). He di.dn't say anything about the seatbelt, but he told me that I ran the red light back there. Ok, let me explain this to you guys now, i don't know if you're familiar with Cape Cod or not but there are TONS, literally tons of tourists here right now, and the roads are really narrow.. There was a guy in an Audi pulling into a parking spot in reverse in front of me and he was taking half of the lane that I was on.. This parking spot happens to be 10 ft away from the set of lights. In my mind I was thinking, I'm gonna go to the left side to let this guy go in, and while that was happening I was worried about the tourists that like to jaywalk and cross the road inbetween cars... So I go to the left and the left and gas it a little bit, I was going like 10 mph as I was taking off, and the light turns yellow, I cross the crosswalk, then the light turns red and I drive under the set of lights.. These 2 bike cops came immediately after me... So long story short, it was my first time being pulled over, I took the seatbelts off, and I ran the red light because there was a guy pulling into a parking stop right in front of me and I was too worried looking around afraid I was going to hit a jaywalking tourists. I know people always think they're right, but I honestly think I didn't do anything wrong here. I got a $25 seat belt fine and a warning for running the red light, which is complete BS. I know it's a warning but I don't want it on my record at all, how can I appeal, any tips? Im only 18 years old, just got off my JOL and I'm very conscientious of other people, never speed or anything. I appreciate your help, will give best answer, thanks!""

""Auto insurance for a person, not a vehicle?""

I need personal insurance for me. It is for a job. It is a courrier job. I was told i needed personal insurance for me to drive any vehicle. It will not be covering any vehicles, just me.""

Insurance for 16 year old?

I turn 16 and get my license in June(I'm a guy). I'm getting a 2003 Toyota Rav4, and going through Travelers on my dad's plan which has 5 cars on it already. How much will liability and collision cost for me?""

Do you pay car insurance every month or every six months?

Need it for the class I'm in now. Help quick!

Somebody help me find cheap car insurance in uk...........?

i am 20 year old foreign student in uk from 2 years....i am about to buy some cheap car with 1 ltr engine which is worth of 1000. but the biggest problem is for the 700-800 worth car they are asking me to pay 5000 insurance........... some body please help me find the cheaper insurance... can you advise me on what basis insurance is counted like age... address so that i can figure out from where to buy insurance.... some extra information:: i don't have any NCB first car I have very new licence in full time education. can afford max 150 per month please guys suggest me some cheap insurance provider....

How do I get health insurance?

My job doesnt provide health insurance and I do need to get some. Thanks for the help :)

What is the cheapest car insurer for a 23yr old guy?

Obviously in the UK, so please no irritating as hell Try Patriot Insurance based in Washington ... So far, Zurich appears to be the cheapest. But i'm guessing we can go lower. Im trying to insure a 1997 Fiesta, 1.2, 3 door with immobiliser. Only doing 1000 miles or less each year. I have been out of driving now for 5 years. Can anyone recommend a cheap-as-chips car insurer? - It's ridiculous how just third party costs more than the car itself. My best qoute is around 580 - for third party ONLY. - A p*ss take. Thanks for your help.""

Do I need to have my own insurance to drive a friend's car?

I have my driver's license but don't own a car. Do I need to buy insurance for myself if I want to drive a friend's car, or am I covered under his policy? The car is insured in Florida and I have a Georgia license.""

Car insurance question for military...?

We are in the military so the rules are a little different for us. For example, even though we just moved to TX, we can renew our tags in NC where we just came from... we don't have to change them to TX. We are going to renew our tags in NC which means our car will still be registered in NC... and we still have NC car insurance. If we get in an accident here, will having insurance in NC be a problem? Everything is registered in NC so we want to keep our NC insurance... or do we have to switch to TX?""

Do motorcycle riders have to have insurance?

I know car drivers have to but I'm a kid who doesn't have a lot of money and I'm looking for a low-cost way to get around, so I was just wondering.""

What is the average insurance for a 17 year old female driver?

The car is going to be a 2003 Oldsmobile Alero. Going to have drivers ed and a the 5 hour driving course. Living in NYS. About how much would it be per month?

Is it true you dont need a license or insurance to drive a scooter?

Im interested in buying a scooter because i have heard you dont need a license or insurance to drive one. I need a way to get to work easier (right now i take the bus) and i cant afford any kind of insurance right now. I dont have a car and i dont have a drivers license. Plus from what i have seen scooters are way cheaper then cars. why dont you need a license for a scooter and what is the difference between a scooter and a moped? I think i read you DO need a license for a moped but not a scooter.

What insurance comapnies are best?

I just bought a 2007 Toyota Corolla, and am trying to find insurance for it. I've been researching different companies and getting quotes on insurance. So far Geico and AIG are the best. Are there any others that people recommend?""

How much does it cost to insure a Ford Mustang?

Now for my first car I really wanted a Ford and the only one I like is the mustang. I know that they are sports cars so the insurance is high but I would like to know exactly how much it would cost for insurance especially since it would be my first car.

Car insurance ?

who knows the most cheapest it car insurance company plz ?

Am I able to check the status of my husbands car insurance claim ?

Last October , I sold my car so I would be able to buy a more gas efficient car. I found a car that I wanted that was a stick but didn't no how to drive stick. My husband talked ...show more""

Average docter visit cost in oradell nj w/o insurance?

does anyone know average docter visit cost in oradell nj w/o insurance?

Where can I get an honest auto insurance quote?

Hi I was wondering if anybody could point me in the direction of a website that gives honest auto insurance quotes? I have been looking to get an auto insurance quote online for quite some time now but most of the websites look like scams to me.... Thanks in advance!! -David

What is insurance?

What is insurance?

Is there a good/cheap motorcycle insurance where you can pay like $100 for a whole year?

I'm a college student...don't have loads of cash to pay insurance every single month. Anyone have motorcycle insurance like that or know anything about it. Or something similar like pay $50-100 every 5 months or so....something like that NO RUDE COMMENTS PLEASE As always thanks in advance

How long will my accident affect my insurance premiums?

I just filed a claim with my insurance company, in California. If they find me to be at fault, then how long will my insurance cost more? Is there a certain time that it won't be on my record, or count anymore?

https://www.linkedin.com/pulse/affordable-health-coverage-thing-kurt-calvo"

[classycollectorartisanposts-blog]

Want car insurance on other person policy, how much?

"Want car insurance on other person policy, how much?

I want to be a named driver on someones policy, how much extra will it cost for 24 year old with provisional licence?? Vauxhall Corsa U Reg The main holder has been driving many years. Just want a rough idea..hope you can help

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

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What car should i buy a 1999 bmw m3 or 1995 camaro Z28 convertible

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Can i still be on mom's Car insurance?

So over a year my mom and I bought a car in her name when I graduated college. The car is registered in her name but I make the payments. Well my parents are divorced and I moved in with my dad due to the fact my ex lives down the street from my moms house and other family issues. I have live with him for almost a whole year, no problem. My billing address is still my moms house and my driver license has her address on it. My mail still goes to her house and it is the residence that I claim. Well now my mom is saying that unless I move back in I can't be on her car insurance. She says they are going to come out to the house and see if I actually live there. My mom hates my dad and hates that I live with him so she's been trying to get me to come live with her. I recently lost all 3 jobs that I was working so she's been really pushing moving in with here lately I just way to know if I can still be on her insurance legally. I can't get on my dads till October because of financial issues. I just turned 20 last week I live in CA I'm still under her health insurance She's changing car insurance which is why the subject has been brought up I'm not sure what company she's going to but we did have Horace Mann Thank you""

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I got a car insurance quote today and said it would be $400 per month! Is that normal? I'm 18 so I get that it costs more for people who are younger, but do all young people pay $400?""

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Idea as to how much full coverage car insurance would be for a 17 yo. Just a ballpark figure. Thanks.?

What kind of yearly insurance can my sister expect to pay for a 2000 Nissan Pathfinder 4WD in NY suburbs?

with 140,000 miles, given that she, 1) is a middle aged driver for 30+ years 2) drives less than 9000 miles a year 3) has not been in an accident 4) never was DUI or anything reckless (other than a speeding ticket) 5) hasn't had any ticket in 10 years 6) wants collision & theft and the minimum liability insurance. Does this include the low insurance rate for low mileage per year drivers because I think she's being ripped off.""

What is a good dental insurance company?

I am 21 years old and I am currently on my parents health and dental insurance plans. However, I get dropped off of the dental plan when I turn 22 and my birthday is just a month away so basically I am looking for a stand alone dental plan that is affordable. I have looked around but to be honest I don't really have a clue on what I am looking for, what is good, or what is bad. I am not sure if it helps or not but I am looking for something that will help pay for Invisalign, doesn't have to be a lot just something to help with the payments. Any help or information will be greatly appreciated!""

Insurance's on a 16 year old driver?

i am 16 years old and i am looking for cars.. i found a used 2006 audi a6, i really like it and i want it to be my first car!!! does any body know how much it would cost too insure me under it ??????????""

US health insurance - question?

We are Canadians moving to the US in couple of weeks and we have just applied for medical insurance in the US, filled out all the papers and we'd like to know whether the insurance company will call our Canadian doctor to get our medical records? We want to make our doctor aware of this and at the same time, to be honest, we did not know exactly the dates when we've been at the doctor's office, we put down approximate dates on the insurance applic form and we do not want to be denied because of misrepresentation or something like that. At the same time, here in Canada, just because healthcare is universal, you don't get any medical papers or records to keep track on when you've been at the doctor's office. Thanks a lot.""

How Much Would Car Insurance For A 18 Year Old Cost?

I currently live in Nevada and I drive a 1997 Chevy S10. I currently am on my parents insurance plan USAA and I pay $130 each month. I have a clean driving record and have had my license for about a year and a half. Would it be cheaper to just get my own insurance plan? If so how much would it cost and what cheap companies would you recommend?

Adding someone to ur insurance?

i know ur insurance goes up but do have to pay the difference between the new and old price? or do u just pay the new price whenever it would normally be time to pay ur insurance?

If you sell your car / do you need to keep any insurance for your DL ?

if you move to NYC and sell your car / parking too expensive. do you need to keep some type of car insurance for your driving license ? you might occaisionally need to drive someone else or might rent a rental car when you travel ?

""How much do you spend on car expenses (gas, insurance, etc.) every month?""

So I'm thinking of getting a car and just wondering how much just as an average estimate it costs people every month when you add car payments, gas, insurance, and whatever else like carwashes and oil changes. I know it's different for everybody...how much for you?""

Yamaha 09 R6 insurance?

how much would you thing it would cost in insurance for a 19 year old to own a 08 or a 09 Yamaha R6

Mandated Health Insurance is different from Mandated Auto Insurance how?

The Supreme Court will be deciding if the government can force us to buy health insurance from a private corporation. The government forces us to buy auto liability insurance from a private corporation. I am at a loss to see the difference.

What is most important in a car insurance plan?

Okay, I know this is a complicated question that I'm asking on Yahoo! Answers, but hopefully somebody can give a credible answer. I'm about to get my first car and I want to make sure I have the proper insurance. I don't want an insurance company talking me into buying more than I need, nor do I want to be under-protected. So what's most important? I thought I'd heard that liability coverage was more important than collision. Is that true? How much liability should I need? If someone could give me some good suggestions with some numbers, I'd really appreciate it.""

How much does insurance on a Catamaran cost?

In USD$, what is the average price for insurance on a newer catamaran?""

RAC CAR INSURANCE HELP!?

I purchased car insurance from RAC last year, they then annulled it as said I could not use my no claims bonus on two cars and sent me a new quote. I rang them up and they then said I haven't sent the no claims bonus documents in so I faxed them through once again, I advised I received this letter but they said just send in the documents which I did. I also never received any documents for my cover so had to request these myself which were sent by email for 25.00 :S. After hearing nothing back I rang rac for an update who said my new insurance quote was double the original quote!! I haven't signed any paperwork or received any paperwork advising they automatically gave me new insurance. I asked them to cancel but they said I have to pay 1000 as well as them keeping my deposit and paying for the first months insurance..1000?? I told them no. Paid what i owed for the first month. Now they are sending me letter telling me to pay..do I really have to do this?? I haven't signed anything even for the original insurance as they never sent the paperwork out, and as the insurance was annulled can they really automatically start a new insurance without my permission?? Thanks in advance""

When asked to give name and address for a car insurance quote?

Do they send you information? Because my parents currently pay for my car insurance but I want to get some insurance quotes before I move out of the house (which they don't know about). I also don't want junk mail...

What kind of document do I need do register a motorcycle in my name in California?

What kind of document do I need do register a motorcicle in my name in California, and get the plates, How long does it takes? It's possible for a non US resident?""

What company offer auto insurance for illegal ?

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

How much would the treatment cost for stage 3 non-hodgkin's lymphoma if you didn't have insurance?

My friend put a friend of hers who was just diagnosed with stage 3 Non-Hodgkin's Lymphoma in touch with me today, but I really don't know how to help her. She's 21, fresh out of college but unemployed, and does not have insurance. I don't know why she wasn't still on her parents' plan, or how student healthcare insurance works. She's terrified not just about the diagnosis itself but the cost. She was already financially strapped and trying to figure out how to pay for housing after college. I had Hodgkin's Lymphoma at 16-17, but my parents have insurance, and they are the ones who handled the bills. I never paid for anything myself so I really don't know about the cost involved. I saw one bill for my radiation and was literally shocked-still by the amount. It was like $1500 for each treatment I think, and I was getting them Monday-Friday then. Chemo was much more, but I never saw a bill for it so I really don't know the price. I did see a bill for one night I spent in the emergency room when I had this awful infection and a terrible fever, and without insurance that one night would have been over $7000! With insurance I think it was like $2400. All of my treatments and doctor's offices are in posh medical facilities in affluent parts of Los Angeles like Beverly Hills and Westwood / Bel Air, so perhaps that's why my medical care was so much. I honestly don't know. I wish I knew how to support or advise this girl. She's too old to attend the support group I went to, and I don't really know that much about NH-L because it's quite different than HL. I was fortunate to never have to be concerned about the finances, and I don't even know what the total amounted to since my parents won't tell me. They said, that it's not my concern. It was all medical care for me, so you'd think it would be my concern, but whatever. Will her oncologist's office help her to find financial support? How does that even work? What do they do if you can't pay? It would suck if she had to file bankruptcy this early in her life. Won't that keep her from getting a job, a loan for a house, and everything else? She went to USC. Can recent alumni be treated at their hospital for a reduced price? I was treated at UCLA, and I think at UCLA students can get medical care at a reduced cost. At my school I think we can as well. I don't know. You just show your student card. All bills are sent to your parents, so I don't know how it works. What should I tell her? She wants my help. All I really know to do is to send her the links I have on my profile. I can give her emotional support, but am clueless about financial support. What's the total cost of this going to most likely be for her?""

I live in CA and want to know How much $$$ to pay for insurance if i get a sports car?

I am getting my permit in 2 months and i am getting the Toyota MR2 Spyder. How much do i have to pay for the insurance? i heard that it costs more because its a sports car.

How can i find a good health insurance company?

I have health insurance right now and i just got a HUGE bill in the mail for what the health insurance did not cover. HELP are all insurance companies out to screw you!? I am sooo frustrated! I am a young person barely making ends meet

I would like to buy a car.How much is the price of the car insurance about? I am going to buy a 1300cc car.?

I would like to buy a car.How much is the price of the car insurance about? I am going to buy a 1300cc car.?

Want car insurance on other person policy, how much?

I want to be a named driver on someones policy, how much extra will it cost for 24 year old with provisional licence?? Vauxhall Corsa U Reg The main holder has been driving many years. Just want a rough idea..hope you can help

Maternity Insurance Coverage?

My family doesn't currently have insurance. I'm 10 weeks pregnant and my husband is about to start a new job where we will be offered insurance. I think the insurance the company offers is Blue Cross Blue Shield of Florida. I know that I can be put on his insurance but are they likely to give me a problem with the pregnancy? I've heard that insurance companies will refuse to cover your prenatal care if you don't have the insurance before getting pregnant.

What about your Gas Millage and Insurance on the 2006 Toyota Prius?

I Have a new Prius with about 4000 miles. I get 44-45 miles/Gal What do you get, What is your insurance rate for 6 Month. I have a friend who say she has driven 30 miles at 70 mph on the electric motor after running out of gas. What About this ??? Can that be done""

What is an affordable life insurance for a cigarette smoker?

What is an affordable life insurance for a cigarette smoker?

Car Rental Insurance?

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

Is it absolutely necessary for my car insurance company to have my husband's drivers license info?

My husband and I recently got married. We both keep separate finances and have our own cars and insurance policies. He actually owns cars jointly with his elderly mother and they have insurance together. He does not drive my car, he can barely fit in it. I have State Farm insurance. When I got my insurance I was told that they would cover anyone I choose to let drive my cars. I have 3 cars insured with them. I've been with them for 10 years, I've never missed a payment or had any claim of any kind. My husband doesn't feel comfortable giving out his information to anyone who does not need it. I think he has this right. State Farm claims it won't affect my policy so why do they need it? They keep calling me. I'm thinking of emailing them and telling them my opinion and that there are plenty of other insurance companies out there if they have a problem with it.""

Health insurance for pregnant teens?

Friends of mine wanted to save money and dropped their health insurance offered through work and got a cheaper, private policy instead without maternity coverage. Their teen is pregnant and the no maternity coverage applies to the covered children as well. They make too much to qualify for Medicaid. When they checked into signing up for a different plan, the insurance said that their teen's current pregnancy wouldn't be covered. Didn't the health care reform include a provision that children cannot be denied coverage due to preexisting conditions?""

What is the difference between a car registration and an insurance?

I always mix the 2 up for some reason. I know that insurance is to insure the car for any damages done to the other vehicle or your own vehincle, but what is a registration for. Is it to verify the owner of the vehicle. Any sort of help would be greatly appreciated. Thank you.""

Why are insurance policies with deductibles cost less than insurance policies without deductibles?

what two reasons for why insurance policies with deductibles cost less than insurance policies without deductibles, and then briefly explain your reasons.... micro economics is confusing""

How much would my insurance on my new car cost?

I am about to buy my first car but need to know what insurance will cost on my parents plan. The car is a used 2004 Mazda rx-8 and our insurance company is State Farm. My parents have perfect driving records outside of my dads 2 speeding tickets but those were over 2 years ago. I am a 16 year old male by the way, and I think that's it as far as Information goes. I have worked my a** for over a year trying to get enough money for a decent car and i would be pretty mad if insurance is 1500-2000 a year.""

What is the best/cheapest young drivers insurance company?

I am learning to drive and purely for future reference what insurance companies are the cheapest to go buy for first time drivers. At the moment im just looking on AutoTrader and eBay and copying and pasting them into various companies if you can speak from experince it would really help...

Car Insurance- Am i covered?

If i drive my uncles car, and i dont have insurance myself am i covered in case of an accident(he has full insurance). hes live in ca and we are in different households. thanks""

I'm about to be 19. Where should I look for health insurance?

in California I work 2 part time jobs, neither give health insurance and my parents don't get health insurance from their jobs. It's currently Summer break but I will be going to school in the Fall. I asked for help from my bank (Wells Fargo) but my mom said I could find much better prices. Any advice would be appreciated, I need it by tomorrow.""

What car insurance providers are NOT on comparison websites?

What car insurance providers are NOT on comparison websites?

About how long does it take to get plates for a new car through insurance company?

I just bought a new car and i have no plates for it. How long will it take for me to get the plates if I'll be registering through my new insurance company in MA?

How much car insurance for 16 year old?

The state of Louisiana. The car is a Lexus GS 2003. My family has a total of 3 drivers already. (4 Plus me) What does car insurance depend on?

""I will be out of the country, car insurance.?""

I will be out of the country for almost 6 months, what can I do with my car insurance? No one else will be driving my car, and I don't want to pay for my insurance if I am not using my car. What can I do?""

Just broughta motorhome o2 fiat where cheapest and best insurance?

Just broughta motorhome o2 fiat where cheapest and best insurance?

Buying used car. What do I do for insurance?

I'm buying a new car today and I was wondering if I could drive it home (~2miles) without insurance. If not, what do I do? Thanks""

Am i covered under my parents car insurance?

i have my license, im 16 and i sometimes drive my parents car; am i covered under their insurance? i think they added me in their insurance. im asking because i have friends at school that drive their parents car, but have their own insurance, and its expensive. so how come they have to pay their own insurance, and im covered under my parents? and when my parents added me did their rates go up? thanks for your help oh and i think i have statefarm""

Do i need an auto insurance to drive a motorcycle? how much that would be if it is yes? higher than auto insu?

I think i need to know before i buy a bike that whether i would pay more $ on my insurance if there is 1 or would it be cheaper than an auto insurance, like car insurances?Ooh, i am an new driver so how much would it be?""

What is the typical cost of condo insurance in florida?

I'm trying to understand what homeowners insurance woul cost in florida for a 2 bedroom condo. I'm not ready to call an insurance company. I'm looking in Ft.Myers. Just want to know is it thousands of dollars and out of my range or a few hundrend per year. Say for a 75k condo.

Does my credit score affect my car insurance costs?

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

Lapsed car insurance ?

I never received bill or warning in the mail or phone call from my agent. Either they made a mistake or my parents thought it was junk mail. Over 6 months have gone by. Should I call my agent or the insurance company? I figure rates will go up even though I didn't do anything wrong.

Car Insurance Quotes?

I have been looking on confused.com, comparethemarket.com, gocompare.com for car insurance quotes and they are all between 6000-16000 these prices are a total joke okay maybe there are stupid drivers but there has got to be a balance between high premiums and trying to stop people driving without insurance having prices like these will result in many people driving un-insured. I am 17 and passed in January of this year and I have took the Pass Plus Scheme and it has made not difference in my quotes. I need help to see if I am doing anything wrong because I can not see how any 17 year old can afford 7000 for insurance. Thanks for the Help.""

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

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

Want car insurance on other person policy, how much?

I want to be a named driver on someones policy, how much extra will it cost for 24 year old with provisional licence?? Vauxhall Corsa U Reg The main holder has been driving many years. Just want a rough idea..hope you can help

Where can I find the best and affordable health insurance?

employer does not provide health insurance anymore. where can i find the best affordable health insurance that i pay for myself? thanks

Fast cheap automatic sedan?

Im looking for a first car. I need a 4 door sedan because insurance is cheaper, I need an automatic car because manual seems hard. How long would it take to learn stick shift by the way? Price rage is $12,000 at the most! I've been looking at the Nissan Sentra SE-R Spec V, MazdaSpeed Proteges, and Volkswagen GTI. I realize that some of them are manual.""

How much would i get from the insurance?

I was involved in a car accident in Sept 2009. I sustained low and upper back injurie, left side shoulder and neck and severe headaches. I have been dong treatments such as chiropractic, acupuncture, massage and phisio therapy. As of right now i am only doing physio therapy and massagge, however the injuries have not healed yet. If for any reason i dont get better for another year or 2, how much would i be getting from the insurance as a settlement? The medical bills as of Sept 2010 were around 13 thousand. I was employed at the time of the accident and have not returned to work since the accident. My car was totaled and the other driver was fully at fault. I am just wondering how much would i be getting roughly if my case lasts for 2-3 yeas in total.""

What is the best and most affordable auto insurance?

I am paying $3,099 for 2 cars.They said it is high because my 19 year old daughter is listed as a occasional driver and it's her age.My husband and I have a clean record and we ...show more""

Isn't the expected value of health insurance for a healthy purpose going to be highly negative?

And so, it might be unwise for a healthy person to purchase health insurance on the individual open market? First, we have the insurance companies as a profit-taking industry. They exist to make money. So obviously they take in more premiums than they pay out for medical expenses. Right off the bat, we have a negative expected value for the buyers of health insurance. In other words, you should expect that the premiums you pay to the health insurance company will be more than the benefits you get back, on average. But on top of that, for a HEALTHY person, the difference would be even greater. Since your risk is grouped together with the risk of more unhealthy people (obese, smokers, etc), you're basically subsidizing their insurance. So the difference between your premiums and the expected benefits you get back is even more. It seems like a very fit, health-conscious person is really taking it on the chin by buying health insurance in the individual market. Maybe they'd often be better off by just building up a health savings account and self-insuring?""

Can I sue my husband's car insurance company?

Me and my husband have been split up for a little while, we are not divorced nor have we filed.We decided to go on a small vacation to TN together with our children,to see if we can work thing's out. While there we had a bad car accident to were we were hanging on the side of a cliff in the mountain's by a tree with our 2 daughter's in the car as well. The car was totaled out by the insurance company, I didn't go to the hospital as nothing was seriously wrong at the time but now I have bruising and painful bruising. Can I sue my husband's car insurance company? I live in Kentucky for refernce to the different state laws""

How much money does it cost for insurance if you're a surgeon?

I did research and how much school would cost and how much I could make a year but I know you need insurance too. How much would that cost?

Whats the insurance for a first driver teen?

Im gonna be driving in a couple mths and i need to know a ins rate. I will be getting a 1998 Ford Mustang V6. I live in Houston, Texas. If u know leave an answer. Thx""

What is the most affordable health insurance in NYC?

My friend doesn't have health insurance and is planning on putting his new baby (born around Oct.) on his policy with him. He's Latin American and has his permanent residence card, but is not yet a citizen. Anyone know of any affordable plans for him to look into in the Manhattan area?""

Question about state farm auto insurance?

My payment was due on the 1st, and now it's the fifth. I just paid it today through online banking. The bank says it may not be processed until tuesday, but i have to get to work before then. Am i fine, since it was technically paid today, or am I just f*cked?""

In california can i report an accident but pay for it in cash ? or when i report it auto contact my insurance?

like if i was in an accident and i reported to the dmv i can still pay it in cash right and the insurance doesn't have to raise the money ? state ur source please

Insurance fraud?

someone i know received a LARGE payout from an insurance company for permanent injuries in an accident. It has been settled, and now he does everything, heavy lifting, recreational sports, etc. Since it is settled, as of march of this year, should i not be so upset that it looks like insurance fraud. i pay so much insurance costs that people like this just infuriate me. i was told by others who have the same opinion of him, that once it's settled the insurance company can't do anything. True? thanks for any help/opinions on this matter.""

How much is it to rent a car per day in costa rica w/the necessary insurance [of course-4 wheel drive]?

How much is it to rent a car per day in costa rica w/the necessary insurance [of course-4 wheel drive]?

What is the average cost of mobile home insurance in ohio?

I'm thinking about moving to Gnadehutten Ohio into a 3 bedroom mobile home, but I am worried the home owners insurance will cost me an arm and maybe a leg????""

Has the law changed with car insurance for additional drivers?

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

Which is the best health insurance in india to choose as individual and family floater ?

Which is the best health insurance in india to choose for individual and family floater , which provides annual health check up""

""2012, 17 Year Old Insurance?""

Looking to pass my test in Feb. (3rd) And all threads and posts I have looked at are from 2010 or something. Just wondering what the best sort of car is for my age and insurance provider and any tips to lower my premium as the lowest I have come out with was with elephant.co.uk at 2900, third party fire and theft on a citroen ax. Which is above my budget... Any Clues Anyone ? Thanks""

Where can I get an insurance quote?

I want to get an insurance quote on my car but every site I go to asks me for a lot of information such as address, name and other personal things. Is this how you have to do it? Or is there a site where you just type in your birthday and info about your car? I just want an approximate quote. I'm only 16 and would be insuring a 1974 Ford Mustang II with a v6. How much do you think that would be? Whats the best site for quotes?""

Looking for a good insurance company?

Im barley getting by as it is so i need an insurance company that can help pay for expensive monthly inhalers, and i need dental insurance. But like i said im barley making it as it is, is there anyone out there that is paying for there on plan and what are you paying? Im 19 my moms 55 and we both need coverage. Any suggestions would be really appreciated.""

What is the best car insurance for a first car and someone in the early 20s?

Hey guys.. So, i'm only 22 years old and i'm looking to to buy my first car really soon but first i want to find a good and affordable insurance agency. So far i'm looking to compare the following insurance companies: Geico, State Farm, Progressive, State Farm, etc. Any other suggestions would also come in handy.. Thank You!.""

How much does insurance cost on a 1988 mustang gt?

I'm 20 and was wondering how much it would cost. I have a clean driving record, and I live in California. I already own a 2000 mustang v6 and it's a little expensive on liability only. Will the 88 gt be more expensive than the 2000 v6?""

Car insurance payment?

I would like to get the car insurance for my used car, and it is my first car. If I buy the insurance for 6 months, should I pay all the 6 months insurance at one time, or pay month by month? Thanks.""

Can i change a court order insurance?

My kids have been on medi-cal since i separated with their father and it has been great. I have a child with special needs and we were able to go to the best clinics in town like UCSF and Stanford. i felt that my child gets the best medical care. The court ordered the father to provide a new insurance and we came to Kaiser last year. In almost a year dealing with Kaiser doctors i don't feel the same professionalism and quality of care as we used to get being at different other clinics. I started to think of changing the coverage to what we had prior to this. But i am not sure how i could change the court order and what evidence i need to provide asking for the change. Kids are still on Medi-cal, but its their secondery now.""

How much is your car insurance?

around how much would it be for a teen lets say?

Aircraft insurance rates with DUI/DWI charge?

If one is a partner in a small aircraft, what effect does a potential DUI/DWI have on aircraft insurance rates?""

Want car insurance on other person policy, how much?

I want to be a named driver on someones policy, how much extra will it cost for 24 year old with provisional licence?? Vauxhall Corsa U Reg The main holder has been driving many years. Just want a rough idea..hope you can help

https://www.linkedin.com/pulse/home-car-insurance-question-richard-johnson"

[noel29palnp]

20 Things that Happened on our 20th Anniversary Year

2017 was a BIG year from ILAC! On our 20th anniversary year, we cheered, celebrated, opened our new campus, and so much more!

Check out our list of 20 things that happened as we turned 20 years old:

1. We welcomed 7 Syrian Students on Full Scholarships to Study English in Canada

We started the year by welcoming our first five female Syrian students on full scholarships at our campus in Toronto (2 more to join in March). At a time when the U.S. is closing its borders, ILAC, along with many educational institutions across Canada, has vowed to continue to support diversity and inclusivity as a pathway for peace. Click to Read More

2. We had our Biggest Higher Education Workshop in ILAC History

The ILAC Higher Education Workshop 2017 took place in Vancouver from April 17 to 23. We had the honour of welcoming 112 agents from 25 different countries for a week filled with adventures, action, celebrations, and more importantly, to meet with 65+ representatives from top Canadian colleges and universities, creating new partnerships and bonds. Click to Read More

3. We won 10 Awards for Best Student Feedback, Best School Award, Top Language School and more!

ILAC was proud to be awarded by:

Top Choice Award – Top Language School in Toronto and Vancouver (11th year in a row)

Consumer Choice Award – Best Language School in Toronto (6th year in a row)

Japan Best School Award – #1 Chain School and #3 in Lesson Category (Vancouver)

UED Agency Awards of Turkey – Best English Language School (4th-time winner)

Excellence Award (3rd year in a row)

iStudy Award – Language Academy of the Year – Canada

Travelmate Intercâmbio & Turismo – Best Student Feedback

IE Intercaâmbio – Best Career-Focused School

And more!

To see all of our awards, visit our Awards page

4. We were recognized with the Enlightened Employer Award by the industry organization Lead 5050 at the Women in International Education Awards

Jonathan Kolber, ILAC’s Founder and Co-President was awarded the Mentor of the Year and Enlightened Employer Awards at the Women in International Education Awards 2017 by Lead 5050. Click to Read More

5. We were among the nominees for the PIEoneer Award for Outstanding Contribution to the Industry

Jonathan Kolber, ILAC’s Founder and Co-President, was shortlisted for one of the most prestigious awards in the Education Industry: The PIEoneer Award for Outstanding Contribution to the Industry. Click to Read More

6. We hosted the Biggest 20th Anniversary Celebration for ILAC partners, with 150+ overseas guests

 We had a great time celebrating our 20th Anniversary with over 150+ overseas guests and industry partners. Nothing is more valuable to us than being able to share our gratitude with the people who have helped us get where we are today. Click to Read More.

7. We celebrated 20 Years of Dreaming Big with our students in Toronto and Vancouver

We partied big time with our Students in Toronto and Vancouver to celebrate 20 Years of Dreaming Big!

8. We welcomed the Minister of Advanced Education and Skills Development and Ontario Minister of Citizenship and Immigration at our campus

We had the pleasure of welcoming the Honourable Deb Matthews, Minister of Advanced Education and Skills Development (Read More) and Honourable Laura Albanese, Ontario Minister of Citizenship and Immigration (Read More) at our Toronto campus.

9. We opened our first ILAC Experience Store in Toronto

Discover our newest project to increase students’ happiness: The ILAC Experience Store. Located at ILAC’s Cumberland Building in Toronto, consider it the place where students’ journey through Canada begins. Read More

10. We inaugurated the ILAC Dream Building, our 5th campus in Toronto

The new facility, located at 425 Bloor Street East in Toronto is ILAC’s 9th campus in Canada. With 47 classrooms, student lounge area and works of art everywhere, it is the perfect environment for students to learn and socialize.

11. We changed the game with the opening of our Dream House

We opened our first residence! Students can now stay at our state-of-the-art facilities during their studies at ILAC! Conveniently located at one of Toronto’s most lively neighbourhoods, entertainment is just out the door. Read More

12. We launched our NEW Year Round Young Adults Program

Tailored to match the fast-paced learning of young adults, our NEW program is designed to offer younger students the best experience learning English. Read More

13. We held 20 ILAC Worldwide Agent Trainings in 13 countries, reaching more than 1,000 higher education focused agents

ILAC, along with representatives from Canadian colleges and universities, held higher education training sessions around the world to promote Canada as an educational destination. Read More

14. We heard our students’ voice with over 3,500 online reviews

Our students’ experience is the most important thing to us, and we were happy to read over 3,500 online reviews rated by our students on Facebook and Google!

15. We saw the ILAC Experience through our students’ eyes with 6,000+ NEW #iloveilac posts

Once again, our students’ shared what ILAC has to offer! From nature to infrastructure or just a meal with friends, nothing explains more what the ILAC Experience is like than seeing the Instagram photos our students post with #iloveilac. Check It Out

16. We sang O Canada with students from 40 different countries to break a Guinness World Record

ILAC students from 40 different countries sang O Canada to attempt to break a Guinness World Record! The event was held in the Distillery District as part of Sing! The Toronto Vocal Arts Festival. Watch Our Video

17. We announced a new scholarship program to come in 2018

ILAC was a proud sponsor of the 11th edition of TD Bank’s “10 Most Influential Hispanic Canadians” award ceremony. The awards were presented by Ambassador Guillermo Rishchynski, Executive Director for Canada at the Inter-American Development Bank and His Worship John Tory, Mayor of Toronto.

ILAC Founders and Co-Presidents, Jonathan Kolber and Ilan Cohen, introduced the award winners and showed ILAC’s support to the Hispanic community in Canada by announcing a new scholarship program for five women from Spanish speaking countries (details to come). Read More

18. We signed 6 new partnerships with Canadian colleges and universities

Our award-winner University Pathway Program keeps growing every year! ILAC students who finish this program can now enter the following college and universities without TOEFL or IELTS:

– University of Northern British Columbia – Northern College – College of the North Atlantic (CNA) – Cégep de la Gaspésie et des Îles – Montreal – Sterling College – Canadian Tourism College

See a list of all partner institutions

19. We placed over 1,000 ILAC students in Canadian colleges and universities through our University Pathway Program

For some students, ILAC is just the first step of their journey in Canada! Over 1,000 ILAC graduates were successfully placed in Canadian colleges and universities in 2017, to continue their higher education studies in the land of opportunity. Read More About Our Program

20. We taught English to over 14,000 students from 75+ countries and helped them have an amazing experience, Dreaming Big in Canada!

In 2017, over 14,000 came to ILAC with one goal: to learn English and Dream Big! We helped them accomplish this by providing them with a life-changing experience and high-quality courses guaranteed to improve your English language skills.

Thank you for being part of our 2017, and we can’t wait to see what 2018 brings!

The post 20 Things that Happened on our 20th Anniversary Year appeared first on ILAC.

from Blog – ILAC http://www.ilac.com/20-things-2017/

[aira26soonas]

20 Things that Happened on our 20th Anniversary Year

2017 was a BIG year from ILAC! On our 20th anniversary year, we cheered, celebrated, opened our new campus, and so much more!

Check out our list of 20 things that happened as we turned 20 years old:

1. We welcomed 7 Syrian Students on Full Scholarships to Study English in Canada

We started the year by welcoming our first five female Syrian students on full scholarships at our campus in Toronto (2 more to join in March). At a time when the U.S. is closing its borders, ILAC, along with many educational institutions across Canada, has vowed to continue to support diversity and inclusivity as a pathway for peace. Click to Read More

2. We had our Biggest Higher Education Workshop in ILAC History

The ILAC Higher Education Workshop 2017 took place in Vancouver from April 17 to 23. We had the honour of welcoming 112 agents from 25 different countries for a week filled with adventures, action, celebrations, and more importantly, to meet with 65+ representatives from top Canadian colleges and universities, creating new partnerships and bonds. Click to Read More

3. We won 10 Awards for Best Student Feedback, Best School Award, Top Language School and more!

ILAC was proud to be awarded by:

Top Choice Award – Top Language School in Toronto and Vancouver (11th year in a row)

Consumer Choice Award – Best Language School in Toronto (6th year in a row)

Japan Best School Award – #1 Chain School and #3 in Lesson Category (Vancouver)

UED Agency Awards of Turkey – Best English Language School (4th-time winner)

Excellence Award (3rd year in a row)

iStudy Award – Language Academy of the Year – Canada

Travelmate Intercâmbio & Turismo – Best Student Feedback

IE Intercaâmbio – Best Career-Focused School

And more!

To see all of our awards, visit our Awards page

4. We were recognized with the Enlightened Employer Award by the industry organization Lead 5050 at the Women in International Education Awards

Jonathan Kolber, ILAC’s Founder and Co-President was awarded the Mentor of the Year and Enlightened Employer Awards at the Women in International Education Awards 2017 by Lead 5050. Click to Read More

5. We were among the nominees for the PIEoneer Award for Outstanding Contribution to the Industry

Jonathan Kolber, ILAC’s Founder and Co-President, was shortlisted for one of the most prestigious awards in the Education Industry: The PIEoneer Award for Outstanding Contribution to the Industry. Click to Read More

6. We hosted the Biggest 20th Anniversary Celebration for ILAC partners, with 150+ overseas guests

  We had a great time celebrating our 20th Anniversary with over 150+ overseas guests and industry partners. Nothing is more valuable to us than being able to share our gratitude with the people who have helped us get where we are today. Click to Read More.

7. We celebrated 20 Years of Dreaming Big with our students in Toronto and Vancouver

We partied big time with our Students in Toronto and Vancouver to celebrate 20 Years of Dreaming Big!

8. We welcomed the Minister of Advanced Education and Skills Development and Ontario Minister of Citizenship and Immigration at our campus

We had the pleasure of welcoming the Honourable Deb Matthews, Minister of Advanced Education and Skills Development (Read More) and Honourable Laura Albanese, Ontario Minister of Citizenship and Immigration (Read More) at our Toronto campus.

9. We opened our first ILAC Experience Store in Toronto

Discover our newest project to increase students’ happiness: The ILAC Experience Store. Located at ILAC’s Cumberland Building in Toronto, consider it the place where students’ journey through Canada begins. Read More

10. We inaugurated the ILAC Dream Building, our 5th campus in Toronto

The new facility, located at 425 Bloor Street East in Toronto is ILAC’s 9th campus in Canada. With 47 classrooms, student lounge area and works of art everywhere, it is the perfect environment for students to learn and socialize.

11. We changed the game with the opening of our Dream House

We opened our first residence! Students can now stay at our state-of-the-art facilities during their studies at ILAC! Conveniently located at one of Toronto’s most lively neighbourhoods, entertainment is just out the door. Read More

12. We launched our NEW Year Round Young Adults Program

Tailored to match the fast-paced learning of young adults, our NEW program is designed to offer younger students the best experience learning English. Read More

13. We held 20 ILAC Worldwide Agent Trainings in 13 countries, reaching more than 1,000 higher education focused agents

ILAC, along with representatives from Canadian colleges and universities, held higher education training sessions around the world to promote Canada as an educational destination. Read More

14. We heard our students’ voice with over 3,500 online reviews

Our students’ experience is the most important thing to us, and we were happy to read over 3,500 online reviews rated by our students on Facebook and Google!

15. We saw the ILAC Experience through our students’ eyes with 6,000+ NEW #iloveilac posts

Once again, our students’ shared what ILAC has to offer! From nature to infrastructure or just a meal with friends, nothing explains more what the ILAC Experience is like than seeing the Instagram photos our students post with #iloveilac. Check It Out

16. We sang O Canada with students from 40 different countries to break a Guinness World Record

ILAC students from 40 different countries sang O Canada to attempt to break a Guinness World Record! The event was held in the Distillery District as part of Sing! The Toronto Vocal Arts Festival. Watch Our Video

17. We announced a new scholarship program to come in 2018

ILAC was a proud sponsor of the 11th edition of TD Bank’s “10 Most Influential Hispanic Canadians” award ceremony. The awards were presented by Ambassador Guillermo Rishchynski, Executive Director for Canada at the Inter-American Development Bank and His Worship John Tory, Mayor of Toronto.

ILAC Founders and Co-Presidents, Jonathan Kolber and Ilan Cohen, introduced the award winners and showed ILAC’s support to the Hispanic community in Canada by announcing a new scholarship program for five women from Spanish speaking countries (details to come). Read More

18. We signed 6 new partnerships with Canadian colleges and universities

Our award-winner University Pathway Program keeps growing every year! ILAC students who finish this program can now enter the following college and universities without TOEFL or IELTS:

– University of Northern British Columbia – Northern College – College of the North Atlantic (CNA) – Cégep de la Gaspésie et des Îles – Montreal – Sterling College – Canadian Tourism College

See a list of all partner institutions

19. We placed over 1,000 ILAC students in Canadian colleges and universities through our University Pathway Program

For some students, ILAC is just the first step of their journey in Canada! Over 1,000 ILAC graduates were successfully placed in Canadian colleges and universities in 2017, to continue their higher education studies in the land of opportunity. Read More About Our Program

20. We taught English to over 14,000 students from 75+ countries and helped them have an amazing experience, Dreaming Big in Canada!

In 2017, over 14,000 came to ILAC with one goal: to learn English and Dream Big! We helped them accomplish this by providing them with a life-changing experience and high-quality courses guaranteed to improve your English language skills.

Thank you for being part of our 2017, and we can’t wait to see what 2018 brings!

The post 20 Things that Happened on our 20th Anniversary Year appeared first on ILAC.

from Blog – ILAC http://www.ilac.com/20-things-2017/

[karenkb27mendoza]

20 Things that Happened on our 20th Anniversary Year

2017 was a BIG year from ILAC! On our 20th anniversary year we cheered, celebrated, opened our new campus, and so much more!

Check out our list of 20 things that happened on our 20th Anniversary year:

1. We welcomed 7 Syrian Students on Full Scholarships to Study English in Canada

We started the year by welcoming our first five female Syrian students on full scholarships at our campus in Toronto (2 more to join in March). At a time when the U.S. is closing its borders, ILAC, along with many educational institutions across Canada, has vowed to continue to support diversity and inclusivity as a pathway for peace. Click to Read More

2. We had our Biggest Higher Education Workshop in ILAC History

The ILAC Higher Education Workshop 2017 took place in Vancouver from April 17 to 23. We had the honour of welcoming 112 agents from 25 different countries for a week filled with adventures, action, celebrations, and more importantly, to meet with 65+ representatives from top Canadian colleges and universities, creating new partnerships and bonds. Click to Read More

3. We won 10 Awards for Best Student Feedback, Best School Award, Top Language School and more!

ILAC was proud to be awarded by:

Top Choice Award – Top Language School in Toronto and Vancouver (11th year in a row)

Consumer Choice Award – Best Language School in Toronto (6th year in a row)

Japan Best School Award – #1 Chain School and #3 in Lesson Category (Vancouver)

UED Agency Awards of Turkey – Best English Language School (4th-time winner)

Excellence Award (3rd year in a row)

iStudy Award – Language Academy of the Year – Canada

Travelmate Intercâmbio & Turismo – Best Student Feedback

IE Intercaâmbio – Best Career-Focused School

And more!

To see all of our awards, visit our Awards page

4. We were recognized with the Enlightened Employer Award by the industry organization Lead 5050 at the Women in International Education Awards

Jonathan Kolber, ILAC’s Founder and Co-President was awarded the Mentor of the Year and Enlightened Employer Awards at the Women in International Education Awards 2017 by Lead 5050. Click to Read More

5. We were among the nominees for the PIEoneer Award for Outstanding Contribution to the Industry

Jonathan Kolber, ILAC’s Founder and Co-President, was shortlisted for one of the most prestigious awards in the Education Industry: The PIEoneer Award for Outstanding Contribution to the Industry. Click to Read More

6. We hosted the Biggest 20th Anniversary Celebration for ILAC partners, with 150+ overseas guests

 We had a great time celebrating our 20th Anniversary with over 150+ overseas guests and industry partners. Nothing is more valuable to us than being able to share our gratitude with the people who have helped us get where we are today. Click to Read More.

7. We celebrated 20 Years of Dreaming Big with our students in Toronto and Vancouver

We partied big time with our Students in Toronto and Vancouver to celebrate 20 Years of Dreaming Big!

8. We welcomed the Minister of Advanced Education and Skills Development and Ontario Minister of Citizenship and Immigration at our campus

We had the pleasure of welcoming the Honourable Deb Matthews, Minister of Advanced Education and Skills Development (Read More) and Honourable Laura Albanese, Ontario Minister of Citizenship and Immigration (Read More) at our Toronto campus.

9. We opened our first ILAC Experience Store in Toronto

Discover our newest project to increase students’ happiness: The ILAC Experience Store. Located at ILAC’s Cumberland Building in Toronto, consider it the place where students’ journey through Canada begins. Read More

10. We inaugurated the ILAC Dream Building, our 5th campus in Toronto

The new facility, located at 425 Bloor Street East in Toronto is ILAC’s 9th campus in Canada. With 47 classrooms, student lounge area and works of art everywhere, it is the perfect environment for students to learn and socialize.

11. We changed the game with the opening of our Dream House

We opened our first residence! Students can now stay at our state-of-the-art facilities during their studies at ILAC! Conveniently located at one of Toronto’s most lively neighbourhoods, entertainment is just out the door. Read More

12. We launched our NEW Year Round Young Adults Program

Tailored to match the fast-paced learning of young adults, our NEW program is designed to offer younger students the best experience learning English. Read More

13. We held 20 ILAC Worldwide Agent Trainings in 13 countries, reaching more than 1,000 higher education focused agents

ILAC, along with representatives from Canadian colleges and universities, held higher education training sessions around the world to promote Canada as an educational destination. Read More

14. We heard our students’ voice with over 3,500 online reviews

Our students’ experience is the most important thing to us, and we were happy to read over 3,500 online reviews rated by our students on Facebook and Google!

15. We saw the ILAC Experience through our students’ eyes with 6,000+ NEW #iloveilac posts

Once again, our students’ shared what ILAC has to offer! From nature to infrastructure or just a meal with friends, nothing explains more what the ILAC Experience is like than seeing the Instagram photos our students post with #iloveilac. Check It Out

16. We sang O Canada with students from 40 different countries to break a Guinness World Record

ILAC students from 40 different countries sang O Canada to attempt to break a Guinness World Record! The event was held in the Distillery District as part of Sing! The Toronto Vocal Arts Festival. Watch Our Video

17. We announced a new scholarship program to come in 2018

ILAC was a proud sponsor of the 11th edition of TD Bank’s “10 Most Influential Hispanic Canadians” award ceremony. The awards were presented by Ambassador Guillermo Rishchynski, Executive Director for Canada at the Inter-American Development Bank and His Worship John Tory, Mayor of Toronto.

ILAC Founders and Co-Presidents, Jonathan Kolber and Ilan Cohen, introduced the award winners and showed ILAC’s support to the Hispanic community in Canada by announcing a new scholarship program for five women from Spanish speaking countries (details to come). Read More

18. We signed 6 new partnerships with Canadian colleges and universities

Our award-winner University Pathway Program keeps growing every year! ILAC students who finish this program can now enter the following college and universities without TOEFL or IELTS:

– University of Northern British Columbia – Northern College – College of the North Atlantic (CNA) – Cégep de la Gaspésie et des Îles – Montreal – Sterling College – Canadian Tourism College

See a list of all partner institutions

19. We placed over 1,000 ILAC students in Canadian colleges and universities through our University Pathway Program

For some students, ILAC is just the first step of their journey in Canada! Over 1,000 ILAC graduates were successfully placed in Canadian colleges and universities in 2017, to continue their higher education studies in the land of opportunity. Read More About Our Program

20. We taught English to over 14,000 students from 75+ countries and helped them have an amazing experience, Dreaming Big in Canada!

In 2017, over 14,000 came to ILAC with one goal: to learn English and Dream Big! We helped them accomplish this by providing them with a life-changing experience and high-quality courses guaranteed to improve your English language skills.

Thank you for being part of our 2017, and we can’t wait to see what 2018 brings!

The post 20 Things that Happened on our 20th Anniversary Year appeared first on ILAC.

from Blog – ILAC http://www.ilac.com/20-things-2017/

[gust38delpilar]

20 Things that Happened on our 20th Anniversary Year

2017 was a BIG year from ILAC! On our 20th anniversary year, we cheered, celebrated, opened our new campus, and so much more!

Check out our list of 20 things that happened as we turned 20 years old:

1. We welcomed 7 Syrian Students on Full Scholarships to Study English in Canada

We started the year by welcoming our first five female Syrian students on full scholarships at our campus in Toronto (2 more to join in March). At a time when the U.S. is closing its borders, ILAC, along with many educational institutions across Canada, has vowed to continue to support diversity and inclusivity as a pathway for peace. Click to Read More

2. We had our Biggest Higher Education Workshop in ILAC History

The ILAC Higher Education Workshop 2017 took place in Vancouver from April 17 to 23. We had the honour of welcoming 112 agents from 25 different countries for a week filled with adventures, action, celebrations, and more importantly, to meet with 65+ representatives from top Canadian colleges and universities, creating new partnerships and bonds. Click to Read More

3. We won 10 Awards for Best Student Feedback, Best School Award, Top Language School and more!

ILAC was proud to be awarded by:

Top Choice Award – Top Language School in Toronto and Vancouver (11th year in a row)

Consumer Choice Award – Best Language School in Toronto (6th year in a row)

Japan Best School Award – #1 Chain School and #3 in Lesson Category (Vancouver)

UED Agency Awards of Turkey – Best English Language School (4th-time winner)

Excellence Award (3rd year in a row)

iStudy Award – Language Academy of the Year – Canada

Travelmate Intercâmbio & Turismo – Best Student Feedback

IE Intercaâmbio – Best Career-Focused School

And more!

To see all of our awards, visit our Awards page

4. We were recognized with the Enlightened Employer Award by the industry organization Lead 5050 at the Women in International Education Awards

Jonathan Kolber, ILAC’s Founder and Co-President was awarded the Mentor of the Year and Enlightened Employer Awards at the Women in International Education Awards 2017 by Lead 5050. Click to Read More

5. We were among the nominees for the PIEoneer Award for Outstanding Contribution to the Industry

Jonathan Kolber, ILAC’s Founder and Co-President, was shortlisted for one of the most prestigious awards in the Education Industry: The PIEoneer Award for Outstanding Contribution to the Industry. Click to Read More

6. We hosted the Biggest 20th Anniversary Celebration for ILAC partners, with 150+ overseas guests

  We had a great time celebrating our 20th Anniversary with over 150+ overseas guests and industry partners. Nothing is more valuable to us than being able to share our gratitude with the people who have helped us get where we are today. Click to Read More.

7. We celebrated 20 Years of Dreaming Big with our students in Toronto and Vancouver

We partied big time with our Students in Toronto and Vancouver to celebrate 20 Years of Dreaming Big!

8. We welcomed the Minister of Advanced Education and Skills Development and Ontario Minister of Citizenship and Immigration at our campus

We had the pleasure of welcoming the Honourable Deb Matthews, Minister of Advanced Education and Skills Development (Read More) and Honourable Laura Albanese, Ontario Minister of Citizenship and Immigration (Read More) at our Toronto campus.

9. We opened our first ILAC Experience Store in Toronto

Discover our newest project to increase students’ happiness: The ILAC Experience Store. Located at ILAC’s Cumberland Building in Toronto, consider it the place where students’ journey through Canada begins. Read More

10. We inaugurated the ILAC Dream Building, our 5th campus in Toronto

The new facility, located at 425 Bloor Street East in Toronto is ILAC’s 9th campus in Canada. With 47 classrooms, student lounge area and works of art everywhere, it is the perfect environment for students to learn and socialize.

11. We changed the game with the opening of our Dream House

We opened our first residence! Students can now stay at our state-of-the-art facilities during their studies at ILAC! Conveniently located at one of Toronto’s most lively neighbourhoods, entertainment is just out the door. Read More

12. We launched our NEW Year Round Young Adults Program

Tailored to match the fast-paced learning of young adults, our NEW program is designed to offer younger students the best experience learning English. Read More

13. We held 20 ILAC Worldwide Agent Trainings in 13 countries, reaching more than 1,000 higher education focused agents

ILAC, along with representatives from Canadian colleges and universities, held higher education training sessions around the world to promote Canada as an educational destination. Read More

14. We heard our students’ voice with over 3,500 online reviews

Our students’ experience is the most important thing to us, and we were happy to read over 3,500 online reviews rated by our students on Facebook and Google!

15. We saw the ILAC Experience through our students’ eyes with 6,000+ NEW #iloveilac posts

Once again, our students’ shared what ILAC has to offer! From nature to infrastructure or just a meal with friends, nothing explains more what the ILAC Experience is like than seeing the Instagram photos our students post with #iloveilac. Check It Out

16. We sang O Canada with students from 40 different countries to break a Guinness World Record

ILAC students from 40 different countries sang O Canada to attempt to break a Guinness World Record! The event was held in the Distillery District as part of Sing! The Toronto Vocal Arts Festival. Watch Our Video

17. We announced a new scholarship program to come in 2018

ILAC was a proud sponsor of the 11th edition of TD Bank’s “10 Most Influential Hispanic Canadians” award ceremony. The awards were presented by Ambassador Guillermo Rishchynski, Executive Director for Canada at the Inter-American Development Bank and His Worship John Tory, Mayor of Toronto.

ILAC Founders and Co-Presidents, Jonathan Kolber and Ilan Cohen, introduced the award winners and showed ILAC’s support to the Hispanic community in Canada by announcing a new scholarship program for five women from Spanish speaking countries (details to come). Read More

18. We signed 6 new partnerships with Canadian colleges and universities

Our award-winner University Pathway Program keeps growing every year! ILAC students who finish this program can now enter the following college and universities without TOEFL or IELTS:

– University of Northern British Columbia – Northern College – College of the North Atlantic (CNA) – Cégep de la Gaspésie et des Îles – Montreal – Sterling College – Canadian Tourism College

See a list of all partner institutions

19. We placed over 1,000 ILAC students in Canadian colleges and universities through our University Pathway Program

For some students, ILAC is just the first step of their journey in Canada! Over 1,000 ILAC graduates were successfully placed in Canadian colleges and universities in 2017, to continue their higher education studies in the land of opportunity. Read More About Our Program

20. We taught English to over 14,000 students from 75+ countries and helped them have an amazing experience, Dreaming Big in Canada!

In 2017, over 14,000 came to ILAC with one goal: to learn English and Dream Big! We helped them accomplish this by providing them with a life-changing experience and high-quality courses guaranteed to improve your English language skills.

Thank you for being part of our 2017, and we can’t wait to see what 2018 brings!

The post 20 Things that Happened on our 20th Anniversary Year appeared first on ILAC.

from Blog – ILAC http://www.ilac.com/20-things-2017/

[nicol29ad]

20 Things that Happened on our 20th Anniversary Year

2017 was a BIG year from ILAC! On our 20th anniversary year we cheered, celebrated, opened our new campus, and so much more!

Check out our list of 20 things that happened on our 20th Anniversary year:

1. We welcomed 7 Syrian Students on Full Scholarships to Study English in Canada

We started the year by welcoming our first five female Syrian students on full scholarships at our campus in Toronto (2 more to join in March). At a time when the U.S. is closing its borders, ILAC, along with many educational institutions across Canada, has vowed to continue to support diversity and inclusivity as a pathway for peace. Click to Read More

2. We had our Biggest Higher Education Workshop in ILAC History

The ILAC Higher Education Workshop 2017 took place in Vancouver from April 17 to 23. We had the honour of welcoming 112 agents from 25 different countries for a week filled with adventures, action, celebrations, and more importantly, to meet with 65+ representatives from top Canadian colleges and universities, creating new partnerships and bonds. Click to Read More

3. We won 10 Awards for Best Student Feedback, Best School Award, Top Language School and more!

ILAC was proud to be awarded by:

Top Choice Award – Top Language School in Toronto and Vancouver (11th year in a row)

Consumer Choice Award – Best Language School in Toronto (6th year in a row)

Japan Best School Award – #1 Chain School and #3 in Lesson Category (Vancouver)

UED Agency Awards of Turkey – Best English Language School (4th-time winner)

Excellence Award (3rd year in a row)

iStudy Award – Language Academy of the Year – Canada

Travelmate Intercâmbio & Turismo – Best Student Feedback

IE Intercaâmbio – Best Career-Focused School

And more!

To see all of our awards, visit our Awards page

4. We were recognized with the Enlightened Employer Award by the industry organization Lead 5050 at the Women in International Education Awards

Jonathan Kolber, ILAC’s Founder and Co-President was awarded the Mentor of the Year and Enlightened Employer Awards at the Women in International Education Awards 2017 by Lead 5050. Click to Read More

5. We were among the nominees for the PIEoneer Award for Outstanding Contribution to the Industry

Jonathan Kolber, ILAC’s Founder and Co-President, was shortlisted for one of the most prestigious awards in the Education Industry: The PIEoneer Award for Outstanding Contribution to the Industry. Click to Read More

6. We hosted the Biggest 20th Anniversary Celebration for ILAC partners, with 150+ overseas guests

  We had a great time celebrating our 20th Anniversary with over 150+ overseas guests and industry partners. Nothing is more valuable to us than being able to share our gratitude with the people who have helped us get where we are today. Click to Read More.

7. We celebrated 20 Years of Dreaming Big with our students in Toronto and Vancouver

We partied big time with our Students in Toronto and Vancouver to celebrate 20 Years of Dreaming Big!

8. We welcomed the Minister of Advanced Education and Skills Development and Ontario Minister of Citizenship and Immigration at our campus

We had the pleasure of welcoming the Honourable Deb Matthews, Minister of Advanced Education and Skills Development (Read More) and Honourable Laura Albanese, Ontario Minister of Citizenship and Immigration (Read More) at our Toronto campus.

9. We opened our first ILAC Experience Store in Toronto

Discover our newest project to increase students’ happiness: The ILAC Experience Store. Located at ILAC’s Cumberland Building in Toronto, consider it the place where students’ journey through Canada begins. Read More

10. We inaugurated the ILAC Dream Building, our 5th campus in Toronto

The new facility, located at 425 Bloor Street East in Toronto is ILAC’s 9th campus in Canada. With 47 classrooms, student lounge area and works of art everywhere, it is the perfect environment for students to learn and socialize.

11. We changed the game with the opening of our Dream House

We opened our first residence! Students can now stay at our state-of-the-art facilities during their studies at ILAC! Conveniently located at one of Toronto’s most lively neighbourhoods, entertainment is just out the door. Read More

12. We launched our NEW Year Round Young Adults Program

Tailored to match the fast-paced learning of young adults, our NEW program is designed to offer younger students the best experience learning English. Read More

13. We held 20 ILAC Worldwide Agent Trainings in 13 countries, reaching more than 1,000 higher education focused agents

ILAC, along with representatives from Canadian colleges and universities, held higher education training sessions around the world to promote Canada as an educational destination. Read More

14. We heard our students’ voice with over 3,500 online reviews

Our students’ experience is the most important thing to us, and we were happy to read over 3,500 online reviews rated by our students on Facebook and Google!

15. We saw the ILAC Experience through our students’ eyes with 6,000+ NEW #iloveilac posts

Once again, our students’ shared what ILAC has to offer! From nature to infrastructure or just a meal with friends, nothing explains more what the ILAC Experience is like than seeing the Instagram photos our students post with #iloveilac. Check It Out

16. We sang O Canada with students from 40 different countries to break a Guinness World Record

ILAC students from 40 different countries sang O Canada to attempt to break a Guinness World Record! The event was held in the Distillery District as part of Sing! The Toronto Vocal Arts Festival. Watch Our Video

17. We announced a new scholarship program to come in 2018

ILAC was a proud sponsor of the 11th edition of TD Bank’s “10 Most Influential Hispanic Canadians” award ceremony. The awards were presented by Ambassador Guillermo Rishchynski, Executive Director for Canada at the Inter-American Development Bank and His Worship John Tory, Mayor of Toronto.

ILAC Founders and Co-Presidents, Jonathan Kolber and Ilan Cohen, introduced the award winners and showed ILAC’s support to the Hispanic community in Canada by announcing a new scholarship program for five women from Spanish speaking countries (details to come). Read More

18. We signed 6 new partnerships with Canadian colleges and universities

Our award-winner University Pathway Program keeps growing every year! ILAC students who finish this program can now enter the following college and universities without TOEFL or IELTS:

– University of Northern British Columbia – Northern College – College of the North Atlantic (CNA) – Cégep de la Gaspésie et des Îles – Montreal – Sterling College – Canadian Tourism College

See a list of all partner institutions

19. We placed over 1,000 ILAC students in Canadian colleges and universities through our University Pathway Program

For some students, ILAC is just the first step of their journey in Canada! Over 1,000 ILAC graduates were successfully placed in Canadian colleges and universities in 2017, to continue their higher education studies in the land of opportunity. Read More About Our Program

20. We taught English to over 14,000 students from 75+ countries and helped them have an amazing experience, Dreaming Big in Canada!

In 2017, over 14,000 came to ILAC with one goal: to learn English and Dream Big! We helped them accomplish this by providing them with a life-changing experience and high-quality courses guaranteed to improve your English language skills.

Thank you for being part of our 2017, and we can’t wait to see what 2018 brings!

The post 20 Things that Happened on our 20th Anniversary Year appeared first on ILAC.

from Blog – ILAC http://www.ilac.com/20-things-2017/

[foundtheworl]

New Post has been published on Found The World

New Post has been published on https://foundtheworld.com/toronto-canada-hidden-gem/

Canada’s Hidden Gem: Toronto

As a Canadian who travels the world, I have come to a strong conclusion that the majority of people don’t know anything about Canada. They sometimes know about our ‘overly polite’ stereotypes or the mountains in British Columbia, yet whenever I talk about the amazing city of Toronto, people are always surprised. It is one of my favorite places in the world, and yes I am 100% biased when I say this, but once you visit Toronto you will understand why. It is a vibrant, fun, fast paced, and is an extremely multicultural city with millions of things to do.

Toronto is a hidden gem because the city is a lot more fun than people would assume, when visiting other countries around the world cities usually have one strong identity. In the case of Toronto there are thousands of identities that are mixed together. There is not a stereotypical look or style of a Torontonian, everyone who comes here feels welcomed. The friendly vibe of the city allows visitors to feel at home while exploring a new place.

The weather in Canada is extreme, winters are awful and I would strongly advise against visiting from December to March, and the summers are a lot warmer than expected from a Nordic country. Yet the four distinct seasons allow Toronto to have unique activities and events throughout the entire year.

In the winter there is free public skating in the downtown square, following this are the beautiful cherry blossom trees in High Park. The summer is filled with outdoors festivals like Caribana and the Toronto Island is visited frequently.

During the fall the orange and yellow leaves make for beautiful scenic strolls along the lake. Because there are so many things to do and visit such as beautiful gardens, attractions, museums, interesting stores, neighbourhoods bustling with personality and culture, and festivals that this is my list of places I think every tourist should explore.

The CN Tower

CN tower is the most iconic part of the city, it offers fantastic views of and at the top there is an area with a glass floor that allows people to look down at the ant like people walking on the street below. It is 553.3 meters tall, and it is possible to have an intimate dinner inside of the revolving 360 Restaurant.

It stands directly beside the Rogers Center, which is a place to visit for any baseball lover that wants to see a Blue jays game.

AGO – Art Gallery of Ontario

Not a lot of people think going to the Art Gallery of Ontario is a really fun activity, however I think this is an incredible museum to see and has an amazing array of art from different areas of the world and time periods.

There is a section on Canadian Art, Photography, Modern and Contemporary Art, Sculptures, and much more. On Wednesdays the public gets into the museum of free and I highly recommend going to check it out- even for a short period of time. The architecture of the building is extremely unique and it is worth exploring.

Queen Street

My favorite street in Toronto is Queen Street, because of the mile long shopping strip that is dotted with independent cafes, unique boutiques and some of the most random shops. There is so much character on this street, making it a really fun way to spend an afternoon.

Start at the massive Eaton Center and continue down Queen Street West to go window-shopping. Leave room to eat because there are so many little restaurants that serve cuisines around the world, making this a food lovers dream.

A popular place on Queen to visit is the Warehouse, this restaurant is known for its $5 menu and during the night it turns into a vibrant bar. Further down Queen, my absolute favorite place to grab drinks is at the Drake Hotel, the cocktails are unique and are filled with flavor, it is a relaxing place to go and hangout with friends. Right off of Queen there are the famous Kensington Market and China Town, which are both sections of the city that are filled with Charm and character.

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The Drake Hotel’s score at booking.com

Kensington Market

This part of Toronto is known for its colorful, whimsical, trendy, and urban vibe. It is the home of vintage and up scale thrift shopping, but has a variety of unique, bohemian shops and a lot of food places to try.

Every week there are Pedestrian Sundays, which allows walkers to rule to roads and there is always a variety of live music, performers, dancers, and vendors.

When it comes to eating, two of the best places to try are Seven Lives and Wanda’s Pie in the Sky. Seven Lives is an authentic Mexican join that serves tacos to go, making it the perfect place to grab a tasty snack before exploring the neighborhood. Wanda’s Pie in the Sky is a bakery styled restaurant that is a great place to go for coffee, perogies, and desserts, if you visit you need to try the Key Lime Pie.

After the sunsets, this area is a center for going out for drinks and dancing.

China Town in Toronto

This cultural hub allows visitors to feel as if they are in Asia for a moment before seeing the CN tower. The signs on the streets are in both English and Mandarin and food markets filled with fruits and vegetables are all along the sidewalks.

Some of the best dim sum is served in this area and there are so many authentic and traditional Asian food restaurants in China Town.

The Distillery District

This area is a bit further away from the center core, however it one of the best places to explore. With its rustic buildings from the Victorian-era and charm this district is home to fashion boutiques, cafes, bakeries, galleries, antique stores, trendy bars, and restaurants.

With beautiful cobble streets and intimate lights strung along the streets this is a wonderful area to visit. If you happen to find yourself in Canada during December, try going to the Christmas markets in the district to do some of your shopping.

Lakeshore Boulevard

For a more scenic view of the city I would recommend strolling along Lakeshore Boulevard to see Lake Ontario. There is always something going on whether it is a music festival or a food truck frenzy.

Along the harbor front is where tickets for the ferry to Toronto Island can be purchased, which is a really fun experience. From the ferry you are able to see the beautiful skyline of Toronto, and the Island is a great way to get away from the fast pace of the city.

Nathan Philips Square

This is the center of Downtown, with an outdoor skating rink in the winter and a fountain in the summer this square is a hub of activity. The old city hall is beside the iconic Toronto sign that lights up in different colors.

Near the downtown core is one of my favorite restaurants in all of Toronto, Suko Thai, for any pad thai lover this is a must visit. Another area to eat in the downtown core is the Richtree Market, designed as an upscale cafeteria there are endless options of food, such as a crepe station, it is a great place to sit down or grab something to go.

In general, the downtown core is a fun place to explore and it has a lot of character.

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During the day there are a lot of things to see in Toronto, because it is a great city for walking, but after dusk the streets come alive with nightlife.

There are so many bars and clubs in the urban jungle that are catered to people of different ages. Some of the best ones to visit are Union, Market Place, Cabana Pool Bar, and Ballroom Bowl and Bistro. Union is a classic, large club that has a variety of lights, sometimes-live music, and it plays R&B and pop music. Market Place falls into the category of a dive bar on the spectrum of clubs, with a variety of tapas style foods and a dance floor this trendy place is always a good time. Cabana Pool Bar is only open seasonally and is a place to enjoy a cocktail on a hot day. The Ballroom Bowl and Bistro is a combination between an entertainment center and a bar, it has bowling, ping-pong, pool, and a dance floor. Within the city there are hundreds of different types of bars and clubs to visit.

Toronto is a diverse and welcoming city and has a fantastic food scene, is tourist friendly, and is really safe. There is so much to discover and my list of favorite places only scratches the surface of areas of visit within the city.

Be sure to research different festivals that are happening throughout the year because they can be an incredible addition to a tourist’s experience. There is a never-ending list of activities to do and you should check out Toronto if you love culture, architecture, museums, food, art, and nightlife, because it is a fantastic place to learn and discover.