#if i lived in north dakota almost all of my money would go to rent and i'd be fucked for groceries internet utilities household essentials

[lolothesilly]

:D

they should invent a job that doesn't affect your schedule or energy level that you don't have to go to if you don't want but you still get paid

[mishinashen]

Self-Portrait by Alphonse Mucha, 1899

Alfons Maria Mucha (Czech: 24 July 1860 – 14 July 1939), known internationally as Alphonse Mucha, was a Czech painter, illustrator, and graphic artist, living in Paris during the Art Nouveau period, best known for his distinctly stylized and decorative theatrical posters, particularly those of Sarah Bernhardt. He produced illustrations, advertisements, decorative panels, and designs, which became among the best-known images of the period.

In the second part of his career, at the age of 43, he returned to his homeland of Bohemia-Moravia region in Austria and devoted himself to painting a series of twenty monumental canvases known as The Slav Epic, depicting the history of all the Slavic peoples of the world, which he painted between 1912 and 1926. In 1928, on the 10th anniversary of the independence of Czechoslovakia, he presented the series to the Czech nation. He considered it his most important work. It is now on display in Prague.

Alphonse Mucha was born on 24 July 1860 in the small town of Ivančice in southern Moravia, then a province of the Austrian Empire (currently a region of the Czech Republic). His family had a very modest income; his father Ondřej was a court usher, and his mother Amálie was a miller's daughter. Ondřej had six children, all with names starting with A. Alphonse was his first child with Amálie, followed by Anna and Anděla.

Alphonse showed an early talent for drawing; a local merchant impressed by his work provided him with paper for free, though it was considered a luxury. In the preschool period, he drew exclusively with his left hand. He also had a talent for music: he was an alto singer and violin player

After completing volksschule, he wanted to continue with his studies, but his family was not able to fund them, as they were already funding the studies of his three step-siblings] His music teacher sent him to Pavel Křížkovský, choirmaster of St Thomas's Abbey in Brno, to be admitted to the choir and to have his studies funded by the monastery. Křížovský was impressed by his talent, but he was not able to admit and fund him, as he had just admitted another talented young musician, Leoš Janáček.

Křížovský sent him to a choirmaster of the Cathedral of St. Peter and Paul, who admitted him as a chorister and funded his studies at the gymnasium in Brno, where he received his secondary school education. After his voice broke, he gave up his chorister position, but played as a violinist during masses.

He became devoutly religious, and wrote later, "For me, the notions of painting, going to church, and music are so closely knit that often I cannot decide whether I like church for its music, or music for its place in the mystery which it accompanies." He grew up in an environment of intense Czech nationalism in all the arts, from music to literature and painting. He designed flyers and posters for patriotic rallies.

His singing abilities allowed him to continue his musical education at the Gymnázium Brno in the Moravian capital of Brno, but his true ambition was to become an artist. He found some employment designing theatrical scenery and other decorations. In 1878 he applied without success to the Academy of Fine Arts in Prague, but was rejected and advised to "find a different career". In 1880, at the age of 19, he traveled to Vienna, the political and cultural capital of the Empire, and found employment as an apprentice scenery painter for a company which made sets for Vienna theaters. While in Vienna, he discovered the museums, churches, palaces and especially theaters, for which he received free tickets from his employer. He also discovered Hans Makart, a very prominent academic painter, who created murals for many of the palaces and government buildings in Vienna, and was a master of portraits and historical paintings in grand format. His style turned Mucha in that artistic direction and influenced his later work. He also began experimenting with photography, which became an important tool in his later work.

To his misfortune, a terrible fire in 1881 destroyed the Ringtheater, the major client of his firm. Later in 1881, almost without funds, he took a train as far north as his money would take him. He arrived in Mikulov in southern Moravia, and began making portraits, decorative art and lettering for tombstones. His work was appreciated, and he was commissioned by Count Eduard Khuen Belasi, a local landlord and nobleman, to paint a series of murals for his residence at Emmahof Castle, and then at his ancestral home in the Tyrol, Gandegg Castle. The paintings at Emmahof were destroyed by fire in 1948, but his early versions in small format exist (now on display at the museum in Brno). He showed his skill at mythological themes, the female form, and lush vegetal decoration. Belasi, who was also an amateur painter, took Mucha on expeditions to see art in Venice, Florence and Milan, and introduced him to many artists, including the famous Bavarian romantic painter, Wilhelm Kray, who lived in Munich.

Count Belasi decided to bring Mucha to Munich for formal training, and paid his tuition fees and living expenses at the Munich Academy of Fine Arts. He moved there in September 1885. It is not clear how Mucha actually studied at the Munich Academy; there is no record of his being enrolled as a student there. However, he did become friends with a number of notable Slavic artists there, including the Czechs Karel Vítězslav Mašek and Ludek Marold and the Russian Leonid Pasternak, father of the famous poet and novelist Boris Pasternak. He founded a Czech students' club, and contributed political illustrations to nationalist publications in Prague. In 1886 he received a notable commission for a painting of the Czech patron saints Cyril and Methodius, from a group of Czech emigrants, including some of his relatives, who had founded a Roman Catholic church in the town of Pisek, North Dakota. He was very happy with the artistic environment of Munich: he wrote to friends, "Here I am in my new element, painting. I cross all sorts of currents, but without effort, and even with joy. Here, for the first time, I can find the objectives to reach which used to seem inaccessible." However, he found he could not remain forever in Munich; the Bavarian authorities imposed increasing restrictions upon foreign students and residents. Count Belasi suggested that he travel either to Rome or to Paris. With Belasi's financial support, he decided in 1887 to move to Paris.

Mucha moved to Paris in 1888 where he enrolled in the Académie Julian[18] and the following year, 1889, Académie Colarossi. The two schools taught a wide variety of different styles. His first professors at the Academie Julien were Jules Lefebvre who specialized in female nudes and allegorical paintings, and Jean-Paul Laurens, whose specialties were historical and religious paintings in a realistic and dramatic style. At the end of 1889, as he approached the age of thirty, his patron, Count Belasi, decided that Mucha had received enough education and ended his subsidies.

When he arrived in Paris, Mucha found shelter with the help of the large Slavic community. He lived in a boarding house called the Crémerie at 13 rue de la Grande Chaumière, whose owner, Charlotte Caron, was famous for sheltering struggling artists; when needed she accepted paintings or drawings in place of rent. Mucha decided to follow the path of another Czech painter he knew from Munich, Ludek Marold, who had made a successful career as an illustrator for magazines. In 1890 and 1891, he began providing illustrations for the weekly magazine La Vie populaire, which published novels in weekly segments. His illustration for a novel by Guy de Maupassant, called The Useless Beauty, was on the cover of 22 May 1890 edition. He also made illustrations for Le Petit Français Illustré, which published stories for young people in both magazine and book form. For this magazine he provided dramatic scenes of battles and other historic events, including a cover illustration of a scene from the Franco-Prussian War which was on 23 January 1892 edition.

His illustrations began to give him a regular income. He was able to buy a harmonium to continue his musical interests, and his first camera, which used glass-plate negatives. He took pictures of himself and his friends, and also regularly used it to compose his drawings. He became friends with Paul Gauguin, and shared a studio with him for a time when Gauguin returned from Tahiti in the summer of 1893. In late autumn 1894 he also became friends with the playwright August Strindberg, with whom he had a common interest in philosophy and mysticism.

His magazine illustrations led to book illustration; he was commissioned to provide illustrations for Scenes and Episodes of German History by historian Charles Seignobos. Four of his illustrations, including one depicting the death of Frederic Barbarossa, were chosen for display at the 1894 Paris Salon of Artists. He received a medal of honor, his first official recognition.

Mucha added another important client in the early 1890s; the Central Library of Fine Arts, which specialized in the publication of books about art, architecture and the decorative arts. It later launched a new magazine in 1897 called Art et Decoration, which played an early and important role in publicizing the Art Nouveau style. He continued to publish illustrations for his other clients, including illustrating a children's book of poetry by Eugène Manuel, and illustrations for a magazine of the theater arts, called La Costume au théâtre.

[brewerlinda1995]

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[misadventuresofthatoregongirl]

A little background... I am 27 years old. I have a 9 year old. I have been with his father since I was 12 years old, I have never “dated” anyone else. I have seen others, but never been in a relationship with anyone else. in January 2019 my little brother (we were 4 years apart and very lose) was left for dead by police after he got in a car wreck and had a head injury. He had a pulse for 30 minutes yet was never taken to the hospital, that was 10 minutes away. A week later some rich yuppie blew their entire head off with a shotgun, 80 miles away from the hospital, had no pulse, but was air lifted to the hospital. I strongly feel my brother was left for dead due to the fact he had unpaid fines. Mostly due to no car insurance or “driving while suspended” over no car insurance. But I know only blacks matter in this country, not some mutt who is half native american half white. That has been made ABUNDUNTLY CLEAR. 

If you are one of those stupid cunts with the “driving is a privilege” bullshit mindset, (driving to work should not be a privilege should be a basic human right and “ride the bus” only big cities have busses and many people have to commute to larger cities in Oregon) when basic liability insurance is about $300 a month for people who are never on mommy and daddys insurance, please kindly fuck off. Housing in Oregon is insane, already, most people have half or more of their money going to rent if they can manage to get somewhere to rent to them at all, they should not have to have another 1/4th or more of their income going to basic liability insurance when they have never even had a ticket. I went through the same shit. Eventually police would just wait in the parking lot for me to leave work and just ticket me over and over, I was denied a hardship permit that is also such a scam. Pay a bunch of money for something you aren’t even guaranteed to get. I drove 1000 miles a week just to get to work, because I could not find work in the rural area I live in not could I afford the $1500 a month rent in the city that has jobs (that’s basically how much I made a month) it is what is is. I had no choice. 

Paying for car insurance crippled me financially. I was actually split up with his father at that time but had to come crawling back begging for money due to my $300 basic liability insurance. The tickets are not even on my record anymore, for driving with no insurance and driving while suspended but its still $260 a month. Absolutely sickening. I don’t have a fucking dime left over after i pay bills, and my boyfriend works and we STILL have no fucking money. Ever. We don’t get to go on vacations, we live in the shittiest neighborhood in the entire county, in a shit trailer, drive shitty cars, I assure you we have nothing nice. Nicest thing he had is probably his work boots which were paid for by his boss, working your ass off in Oregon does not pay off. “Get a better job” no shit sherlock, did it ever occur to you its difficult to not get fired from your job you are currently working, and still go to interviews? Employers be like “I know you have a job currently but can you drop everything and come in an hour?” Oh yeah, totally. And if you try and schedule it for a time maybe you won’t get fired its usually “Nevermind.” And the interview process is a begging a groveling process like you’re a god damn peasant. Why do I want this job? MONEY! Why else! Why does anyone want any job? I worked at a staffing agency for 4 years and I can not tell you how many people did well at those stupid cookie cutter questions but were shit workers. I wish places would just let you work a day or two and see. 

Then I got laid off as soon as stupid corona hit in March, they already fired my office manager and a sales person “over discounted bill rates”. Kinda like how the Dollar Tree stays in business because its cheap but more volume is sold (worked there before too that was horrible) so they have just as much profit if not more, as say Walgreens or something. With corporate clowns coming down and saying to clients basically pay the full rate or we are taking you to court, to 3/4 of the clients, sales tanked. They tried to blame corona but the sales were complete shit before that as soon as they fired the two people who had most of the sales, with discounted bill rates. I am still friends with someone who managed to not get fired. They said in a conference call this week they announced they would be lowering bill rates. *Face palm* now that you fired hundreds of people, you are lowering bill rates. How many lives did you ruin before coming to your senses? Companies here are just so fucking awful!

A few years ago I decided I wanted to move out of the country. However if you have a child, both parents have to sign a passport form unless you don’t have the father listed on the birth certificate. Norway in particular I like, its beautiful, free healthcare, minimum wage twice that of Oregon with cheaper rent and free healthcare, they also help with childcare. They claim they do in Oregon but your “copay” is usually so high you might as well just pay out of pocket and not deal with all the states controlling bullshit you have to deal with when you get state assistance. People like to say “Norway has higher taxes” please shut up and go look at Oregon’s income tax rate. One of the highest in the country. Expensive gas, INSANE housing, its just not possible to have a decent life here in Oregon. I love the ocean also. Norway is beautiful and comes in the top countries for quality of life every year, meanwhile USA is at the very bottom. 

Everyone called me paranoid all those years, I just had a bad feeling that something bad was going to happen also and I needed to get out while I still could. Next remark “how can you afford to get there if you are so broke?” Simple don’t pay my outrageous rent and insurance for 1 month problem solved. My child’s father finally agreed to sign the passport form now that its too late and Americans are banned from basically every country in the world, once the racism and virus bullshit started. Super awesome. He will never hear the end of that from me. Its been months and I still do not even have the passport. Even if I did I AM TRAPPED HERE!!!!!!!!!! I can not even go to fucking Canada!

I decided ok, I will try and move to Montana/Idaho/North Dakota or something. Give up my ocean in attempts to get the hell away from all this mask and the non existent “racism” bullshit. Go somewhere with a lower cost of living, more jobs with higher wages. I absolutely can not stand wearing the face masks. There is no evidence they work, just go look at Sweden. Or the states I just named which have no mask laws. Also a lot of rural areas in Oregon do not wear them seems like the entire populations would have been sick or dead. I am not looking to argue with scared little sheep over this. Before you say “I hope your grandparents die” because I don’t wear them, something that I have seen many people say to myself and anyone else without a mask, my grandparents have said many times they would rather be dead than be completely isolated over some bullshit virus with a higher survival rate than the flu. Plus the media has lied so much, how can you believe a word they say? Seriously? They are all left winged biased. I am not even a conservative and I can see it. But people just eat the shit up. That 26 year old who they claimed died in Oregon from coronavirus, turns out did not even have the virus the CDC medical examiner said. So you choose for yourself what to believe. 

I did get a job in Montana very easily. In six fucking months in Oregon I had maybe 5 phone calls for a job, all minimum wage no benefit shit jobs. I did 2 years of business and law classes, 4 years of heavy payroll and accounting for work so its not like I have absolutely no experience in anything worth a fuck. Plus 8 years total of customer service or more I have been working since I was 18 with gaps here and there between jobs. But with my boyfriend and son back in Oregon, 900 miles away, it was really difficult. I had never been alone like that or even stayed a night away from my child. Never in 9 years. First of all staying in some shitty hotel... I hate hotels in general I like my little nest, as shitty as my house may be, even at a nice hotel I would rather sleep in my own shitty bed. I lasted 2 weeks, only having $100  week leftover for food and other bills spending $400 a week at the cheapest motel I could find, before I gave up. I could not save money for a deposit or loan and my boyfriend has absolutely no credit so he could not get approved for a loan or rental either. He also had absolutely no one to watch our child back in Oregon with everything being closed so he could not work during that time and almost lost the job he had. Done landscaping for 11 years and still only makes $2 above minimum wage because companies treat employees like such shit in Oregon. I was so close, had a decent pay (way more than I ever made in Oregon even though Montana has a lower minimum wage) with benefits, but it was impossible to move into a rental. My credit is good enough for a loan, but I could not save money for a down payment staying in a hotel. Plus I was so lonely and miserable. Now winter is coming and we will not be able to go back and forth in that snow in little cars anyways.

If we would have succeeded, I would have gotten us into a rental and then quit as soon as he got a job because we never have anyone to watch our child and the cost of living is so much lower we would not HAVE to both work like we do here in Oregon. Especially now. Seriously, what the fuck do they expect people with kids to do? Schools are closed and even if they weren’t there is no way in hell I would send my kid wearing a mask all day. SO bad for you! They have to wear them all day “except at lunch” ok so might as well just take the damn things off the entire day. These rules don’t even make sense how do people not see that? Or in a restaurant you have to wear them if you walk to the bathroom but not at the table what logic is that? How do people not see through this bullshit? And children are gross they touch everything masks are going to do shit at schools. Notice the schools that did open, masks or no masks still had a shitload of cases. Single parents are especially screwed in particular. I guess if you could somehow both find employers willing to work with your schedule (good luck with that) you could constantly work opposite shifts as your partner/spouse and never seen them and work. 

Anyways, jobs for him paid more up there too, rent is fucking half of what it is in Oregon. Their average rent is the price of “low income housing” in Oregon. But we just could not do it. I tried. I tried so hard. I even learned Norwegian jeg snakker norsk und ich spreche auch Deutsch because Austria was another country I was interested in. You can try and try and try here, but unless you get lucky, or your parents help you, I do not know how people do it. All the old people I know here don’t have enough money to live off either after working 50 years. Its so sad.

I am no perfect person either. I am pretty bitchy, I have horrible anxiety I quit public school at age 12 and finished online, yes I have a high school diploma. I actually did all my high school schooling in 2 years after skipping 3 years of school with no problem. I never even really went to middle school and still managed. I am not stupid. I just have a hard time doing things I am absolutely miserable doing.

I will go into more detail, year by year on what a shitshow it is to live in the USA but in particular Oregon. The entire west Coast really. I hate it here and I just want out but I have tried everything. 

[tally-my-words]

Dean had gotten a little past pissed. He was a little further than depressed. It was a bad month. Things had been bad with John, things had been worse with one bad hunt after another. He missed Sam. Things were a little worse and a bit more awkward increasingly so.

It’s not easy for Dean to admit … when he wants things. Lately, he’s been trying to follow what’s increasingly looking like bad advice. Bran told him that finding someone who mattered to him, really mattered, would help keep him and the wolf safe. It would give him comfort, purpose, a sense of place that would extend past four car tires. He’s considered having that a few times. Unfortunately, it always goes to effin’ Hell in a freakin’ hand basket. He thought, just maybe, something something would go right with Cassie. Then again, he’d thought it might be more than bendy sex with Lisa. Ronda Hurley won’t even answer his calls and he’s still not sure how he burned bridges with that particularly liberal lady.

He’s sick of missing Sam, sick of waking up alone. He needs a friend. He’d go see Bobby, but fuck it, John burned that bridge. Last time they saw Bobby, their Dad’s closest friend was threatening the senior Winchester with a shotgun. It’s starting to feel like a theme. His fingers twitch and he wants to call Mercy. She’s settling into her new job, though, and she doesn’t drink. That’s obviously not the worse thing, but it leaves her sober to judge his mental state. He’s not sure how much he likes that. The monster that lurks under his skin has been a bit moody of late. He considers stretching his legs for a bit, but a run will probably only increase the frequency that he inches his way out of his skin.

He thumbs through his phone and wonders how his call list turned into a list of favored booty calls. He laughs at that, twenty numbers down and he sees a decisively not booty call number. He knows his dad would probably throw a bitch fit. That might be what ultimately inspires him to hit ‘Send.’

“Hey,” he greets, trying to keep his tone neutral. “Working on anything? I could use a job.”

“Not my usual type, not your usual type either, really…. You caught me mending fences,” Eliot replies, snorting out a laugh. He doesn’t hear from Dean often, but knowing the younger man is okay, safe, still breathing always puts a warmth in his chest. Regardless of potential bad blood, Eliot always answers.

“Anything like mending bridges?” Dean jokes. He thinks it’s code for something. Something more complex or serious or permanent. He thinks maybe Eliot’s found something.

“No, I’m dead serious. I’m out in the middle of Texas mending fences in cattle country. Spent a few weeks working on this one, going to maybe take another month to finish here and take on a few smaller projects for other locals. Like most of these towns, local youth run away when factory and oil drilling jobs dry up move out to the cities and their folks end up not quite able to handle all the work by themselves. Doesn’t pay much, but it almost always comes with two meals and a place to stay… You need out for a bit?” Eliot asks. He hates that some small part of him was begging Dean to just walk away. He doesn’t want the life Dean lives killing him before one of the few people he trusts turns twenty-five. Life wasn’t fair and he’d seen a lot of dead friends.

“Give me an address and I’ll see what I can do. I’m not staying in some barn attic, though. It’s fun on occasion, but it’ll kill your back and I’m not having to tiptoe around whoever you’re staying with on the weird hours crap,” Dean proclaims. “Not having all those rednecks tell me I’m wearing the wrong boots or some shit.”

“I’ll send it to you in a text. Just as long as you don’t have fancy designs and don’t mind shit on them, I think we’ll be good,” Eliot knows he’s laying the teasing too thick, but it feels safer than saying, ‘I’m worried about you and I’m worried you keep getting in over your head.’ “Get your ass down here, I’ve got too much work for one person and I’m bored with this little town.”

Dean bites his lip. He knows better than to laugh. He can hear the lie. He knows better than to call out the older man. Eliot must have demons chasing him. When he’s open enough about caring, he’s been living too freely with them.

Eliot punches the ‘End’ button and pulls out a map. He sends a quick text ‘Brady, Texas. Take 44 South from Wichita Falls, down through. 281 to 183 to 377.’ He then calls and presses the pound button to straight to voicemail “Call me when you get in and I’ll bring you around town and help you find a place to crash. I can put you up here if you want, but it’s up to you. I’m not quite getting room and board - I got fostered off on an younger woman who’s got an apartment over her garage. Guys I’m working for have been paying her my rent. I’m probably getting screwed out of more money than most would like, but you know how I feel about putting bills in my name.”

Dean rolls his eyes when he listens to the message a few hours later, but the directions are solid and while he’s not coming strictly through Kansas, his mental map of the state makes it easy to find the suggested route. From there, with an atlas, it’s easy to follow down the southernly trail that runs straight through a small map dot. Looks like a good place for laying low.

Dean cruises into town after a day and a half in the car. He’s stopped for the pits and for a few naps. He flips open his phone and punches redial for the last number. Eliot picks up on the fourth ring. “I’m just starting to pull in, looks like I’m heading towards the center of town.”

“There’s around about just as you pull through that’s on main street, I’ll be on the corner. Pull off there and you can park behind the bar. Dinner my treat,” Eliot informs. He walks outside and takes a moment to adjust to the sun before squaring his shoulders to face north. He doubts Dean will miss him. He certainly doesn’t miss the big black impala as it gleams into view.

Eliot gestures Dean to pull the car into a parking lot beside the restaurant. Dean crawls out with the stiffness that owns to being eighteen hours on the road. He shifts and appreciates that Eliot doesn’t hover near the car door. He reaches across the front seat and grabs his jacket. He wasn’t expecting it to be in the forties this far south. He forgets Texas can get cold. Eliot huffs a laugh and Dean suddenly appreciates more the fleece lined suede the older man favored when they were last together in South Dakota.  

Dean huffs his way inside, never bothering to look up and assess the restaurant. Eliot has chosen it for one of two reasons. In either the category of booze or grub, Dean will refer to his judgement. He hopes he doesn’t look too out of place with the set of his shoulders screaming ‘uncomfortable’ and the solid black leather jacket screaming ‘rebel.’ He chuckles, wondering if John’s patches from Vietnam would win or gain him friends in the borrowed modern day armor.

Eliot scrunches up his nose and fights off a laugh. Dean understands things most won’t take the time for. He knows dangerous and he knows screwed over by the world, but sometimes just the fact that the kid also knows ‘fight for better, ‘ ‘Love those you’ve got.’ Eliot wishes, not for the last time, that he had quiet half so much as Dean gripes about being worried for. It’s almost enough to make him consider heading home. He knows Houston Texas is a death sentence, though, and he rather  dislikes the idea of dying. “Food’s pretty good if you can look past the name,” he notes as he passes Dean a menu.

Dean rolls his eyes at the restaurant’s ridiculous moniker ‘The Flying Moose.’ “This can’t be a real place, no fucking way!” exclaims as he pouts and looks over the menu. The pizzas look pretty good, but he was really thinking more a burger. He finally settles on ordering one when he reads ‘Blazin’ Saddles’ and can’t help but snicker. He’s considering ordering it when he can literally feel Eliot’s glare.

“Don’t come bitching at me when your date goes running. I’m pretty sure Sam’s not the only one who can smoke out the car,” Eliot gripes. He continues looking over the menu when another young man comes in and takes a spot one seat over to Dean’s left.

The stranger shoots them a confused look, like he’s evaluating whether or not the math equation’s right. Eliot swallows down the temptation to rise out of his seat and ask just what the local boy wants. He recognizes, then, though, that lost look. Eliot almost runs his hands through his hair on the same reflex that has the other checking where it all went. Yup, military hair cut and squared shoulders. Eliot would bet he’s fresh back home after awhile away.

“Hey Sally,” the man greets when an older waitress shuffles forward, cautious and then growing more excited as she rushes out and hugs the town’s wayward son across the counter top. He kisses her temple and falls into his seat effortlessly. “Can I get the usual?”

“What else would you get, Marty? Should I pack one of those ill fated birds for your Mama?” she asks.

Another sweet lady not far apart in age, but closer to tanned leather comes out and and whispers “Mijo!”

“Mamita Marie,” he whispers reverently, burying the side of his face in the elder lady’s hair. “¿Como está?”

“Bien y tú?” the old lady replies with the easy breath of knowing she’ll be understood. Dean feels a bit at awe in how easily this other man is welcomed home. Eliot can’t help but wonder if maybe being welcomed like that would be worth going back to Houston. He knows, though, that Dean wouldn’t like the self-destructive path. If he goes to Houston, John Winchester becomes right about a few things.

“Vivo,” Martin Riggs replies boldy. It feels good to be home and say ‘I made it.’ He’s still a bit sour that Becca let him leave so easily.

“Your Mama will be happy to see you back,” Sally replies and swoops down to peck a kiss on Marie’s forehead. “Back in the kitchen with you when you’re done or we’ll never feed all these boys!” Her scolding is wickedly warm, though, and Martin shares a smirk with Sally.

“Mom won’t care much that I’m back. She never cared much that I left,” he breaths out, admitting what’s eating at him when he thinks Marie as far enough not to chastise after him.

“Your mother walks Death. Stop holding her to your sense of time. One of these days you’ll realize she always wants what’s best for you and she thought leaving was that. Yes, you’ve done hard things and yes, you’ll do harder, but not everyone gets easy paths,” she counters harshly. The woman won’t be having one of her local boys speaking badly about his mother.

“Alright, Marie. Sally, I’ll take the usual, but I’m not bringing Mama dinner. I thought I’d surprise her by coming home on leave and she’s gone and rented out my room!” Riggs admits, his laughter like that of a wet cat.

Both women look to Martin in tandem and roll their eyes. Becca has never been big on hospitality, but she’s been lonely and willing to let people in a little closer with her charge away. “I’m sure you’ll get on just fine,” Sally teases.

Dean feels his cheeks heat when the local boy turns and gives him a full Cheshire smile, cat and canary all in one broad sweeping gesture. He shifts in his seat and turns to the local. “Dean,” he informs, extending his hand for the stranger to shake.

“Martin, Martin Riggs. Sorry to interrupt your mean. I know you guys were here first. I just came back into town. I grew up around here, so I guess playing local football makes me something of a folk hero or some other silly shit,” he replies, scratching the back of his head in a nervous gesture. Eliot tries not to snort. It reminds him how Dean fidgets under scrutiny. He shouldn’t find it cute.  

Eliot is about to say something depressingly serious about how dangerous he suspects the Texan is, but he’s interrupted by a short, elegant woman who crosses her arms and glares at Martin. “Language!” she exclaims before grabbing the six foot tall SEAL by the ear and pulling him to his feet. “This is not your home and these gracious women welcome you into their place. Respect that!” She lets him go and wraps him in a ridiculously tight hug. Eliot is confused for a long moment.

“Please don’t tell me that’s his mother,” he requests of Sally who looks about ready to fall over laughing. She nods. “Yup, Becca took him in when she was by our guess maybe seventeen? She can’t yet be forty.”

Becca crosses over and kisses Sally on both checks. Sally rolls her eyes and Becca laughs. “Someone has to make Marie jealous,” she teases before plopping herself at the bar with her boots tucked under her.

“Since I think my son and Eliot are going to be figuring out who sleeps where, I’m going to grab dinner. Get me a Big Red and a ‘Happy Mother Clucker’ since this one obviously had no plans to come home for dinner,” she informs.

Eliot tries not to glare at what he’s fast beginning to believe might be true to local circumspect. He’s heard one soul whisper things like ‘bruja de diablos.’ Not that he can quote Spanish all that well.

“What, boy, you’ve never seen power,” he feels the whisper against the back of his mind. “If your friend wants to kill me, fine, but otherwise leave me to my people and my family,” she hisses against the recesses before leaning her elbows against the bar to sip at the soda dropped before her.

This isn’t that kind of vacation. He shrugs it off with a shutter and turns to Riggs on her other side. “I’m Eliot. I only paid up ‘til the end of the month which was Wednesday anyway. I’ve got my bag, so it’s no biggie if you’re moving back.” he informs.

Riggs considers it and nods. He takes Eliot’s hand in his and shakes it. “I can appreciate Mom trying to do good with my space while I’m away, but her and I just tend to see things like that a little differently. She thinks it’s fun to mess with me like this,” he admits. The woman nods and shoots both Eliot and Dean a wide smile around her fries, which Marie has brought out early and tucked between Martin and Becca. Riggs pulls out barbeque sauce and dumps it over his fries while the smaller woman covers hers in ketchup.

“I have two purposes where you are concerned. To see that you are fed, which you mostly do for yourself, and to see that you are safe, which you also mostly do for yourself. So the rest of the time I get to derive personal pleasure from your existence, even if that means I egg you on every chance I get. It makes you durable to life’s stupid,” she teases. Her sandwich comes out, somehow, even before Riggs’ meal in a styrofoam box with a matching cup filled with soda. She drops a hundred on the counter. “I’m covering the boys’ meals. Let them get their own drinks, though. Don’t let them leave without pie.”

Dean looks a little awed by the displace of southern hospitality, but he is the quickest to reply. “Thank you, ma’am, you don’t have to do that!”

“Shut up,” she announces boldly. “You do what you need to do and I’m sure you’ll repay either me or this town ten times that. Maybe just the world in general. Sometimes simple, stupid good is the best kind. Don’t go growling around my neighbors, though,” she adds. She taps the straw against her nose. Dean isn’t quite sure if she’s admitting she knows just what he is.

“Is she a psychic?” Dean dares ask the crowd aloud. Eliot tries to swallow down the strange feeling this is a bad conversation topic.

Marie comes out with Riggs lunch, plops it in front of him to glare at the massive quality of food and then moves in front of both Dean and Eliot, sketch pad held up menacingly. “Becca is not more psychic than I am your daddy’s nursemaid and seeing as I’ve never seen either of you two boys in my life, you get where this is going.”

Dean blanches at that thought and rolls his eyes before Eliot shoots Riggs a glance. “Heard you’ve had cattle problems clear up in the last few days,” Eliot ventures. Riggs unfolds a paper and nods, noting that the mysterious cattle deaths have dropped off dramatically. It’s suspected according to local conjecture that someone was bleeding competing head to limit stiff grazing competition for the upcoming season. Eliot doubts it. Now is the time you’d cull the herds, anyway.

“I only saw it in the paper today. There had been some weird things in other parts of the area, too. We get weird things. Stuff other people don’t see in their backyards because strangers think we won’t notice in the boonies,” he admits. He gets up and passes Dean the paper highlighting that the cattle deaths seem to have finally stopped.

“Not coyotes?” Eliot asks. They kill sometimes, calves at the like, for more fun that food. He doesn’t really believe there’s any chance of that, but he wants to ferret out if he needs to incentivize or disincentivize Dean’s temptations to stick his unlucky nose into every problem.

“Not coyotes. I think I know what it might have been, but I also know enough that no one wants to see what we do to cattle rustlers,” Riggs gives an elaborate shutter. It’s somewhat for show.

“Stop making the man concerned he’s not doing his job right. Spencer here’s been fixing fences for Carmen and Smitty along with Blake and Wade,” Sally adds. She moves to stand before Eliot and Dean. She makes an equally menacing, slightly taller aberration with her own notepad and pen. “ORDER ALREADY!”

Dean gulps loudly at the order at the order and nods a short quick bob of his chin. “Yes, ma’am!“

TBC

@thesneakyhobo @starlightoffandoms

[seattleslastautumnleaf]

You Were Not Born to Work, Pay Bills and Die, by Me.

So I retweeted this yesterday, but I just did the math now. I work on average, 32 hours a week right now. The past few weeks I’ve been working 40hrs, but when I leave the bakery I’ll be back in deli and will probably be back to 32-34 hours. If I were to low ball the hours I work at 32 hours per week, that is $1280 before taxes (I live in Michigan, just a btw). After taxes it appears to be $961 (basing off this website: x). I’m pretty lucky in that I still live with family, and therefore I’m not paying for a bunch of things like electric bills, water bills, etc. I pay rent (which includes my cell phone), student loans, car insurance and my car payment. Monthly, that costs me $1153.81.

With $40/hr, I would make almost enough in one week (I’m doing it that way because I get paid weekly) to cover my monthly expenses. In one month (saying 4 paydays on average, not including the months that have 5 Thursdays which is payday for me) I would be getting $3844. If on average, every month I was getting $3844, I would be able to pay off my student loan faster. I started making payments on it in 2015. I’ve barely made a dent in it because of fucking interest as of 2018 (my last payment will theoretically be in 2024). I would have been able to completely pay off my car faster, although I like the credit boost of paying it off. But it would also mean that all the medical issues I’ve been having recently, an ER trip in April and another in May because of seizures, I would have been able to pay for them without having to worry. I would have been able to get health insurance through work so that it wouldn’t even be an issue. I wouldn’t have to work myself to the fucking bone; I could take a fucking sick day without worrying that I won’t make enough money to pay my bills. And some people consider buying things that make you happy (books, candles, expensive coffee that I shouldn’t be buying, movies, fancy-like clothes that make you feel badass or sexy, nail polish) is not necessary, but I’ll tell you what: being able to splurge on shit to make you happy should be necessary. YOU WERE NOT BORN TO WORK, PAY BILLS AND DIE. I would be able to do things with friends, go visit my brother more than once or twice a year, be able to actually go and do things that excite me, if I made $40/hr.

If you are lucky enough to come from an upper-middle or higher class family, do NOT say that $40/hr is not a lot of money. Because to you, you’re right. It’s not. But to those who struggle, like the lower-middle and the even lower class, $40/hr would LIFE CHANGING.

And just for the record, as of January 1st, 2018, minimum wage in Michigan is $9.25/hr. The state with the highest minimum wage? New York, at $13.00/hr. There are FUCKING NINETEEN STATES in which the minimum wage is set at $7.25/hr (Alabama, Georgia, Idaho, Indiana, Iowa, Kentucky, Louisiana, Mississippi, New Hampshire, North Carolina, North Dakota, Oklahoma, Pennsylvania, Tennessee, Texas, Utah, Virginia, Wisconsin and Wyoming). Two states barely beat that, Missouri at $7.85/hr and New Mexico at $7.50/hr. And technically Wyoming’s minimum wage is set at $5.15/hr which is lower than the federal minimum wage of $7.25. THE FUCKING FEDERAL MINIMUM WAGE IS $7.25/HR. (x) There are plans however, in various states to raise their minimum wage but none above $15/hr

NO WONDER SO MANY AMERICANS ARE GOING INTO DEBT.

RANT OVER. FOR NOW.

[angrybelieverconnoisseur-blog]

Mohall North Dakota Cheap car insurance quotes zip 58761

"Mohall North Dakota Cheap car insurance quotes zip 58761

Mohall North Dakota Cheap car insurance quotes zip 58761

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Mohall North Dakota Cheap car insurance quotes zip 58761

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Im just about to start learning to drive have you got any tips what car i should drive to get lower insurance?

I want a beetle but i dont think that will give me cheaper insurance, i dont have any idea.""

MG ZR 1.4 Car Insurance for 18 years old boy?

Hello Im 18 years old just passed my Test. My dad have MG ZR 1.4, his insurance ends in september and he would liekl to add me to his insurance, can he add me only for that couple of months? Does any one know any good insurance companie that is cheap and how much it cost to insure me for that 5-6 months ?. Thanks!""

Car Accident-Health Insurance?

I was in a low-impact car accident and went to the ER the next day to get checked up just incase. I went to my doctor because of back pain and when I mentioned I was in a car accident. They told me I could not go through my health insurance that it has to be through my car insurance. It turns out I have herniated discs and now my doctor has referred me to see an orthopedic surgeon but, I do not feel that the car accident was the cause of the herniated discs. I asked again if I can treatment through my health insurance and I was told by one of the office assistants that it is fraud if I use my health insurance. If I explain to my doctor that I fell down the stairs and insist that I do not want to through through my car insurance because I do not feel the car accident was the cause will he change his mind and refer me to the specialist using my health insurance or should I go through another doctor.""

How much would insurance cost for a '92 ford thunderbird?

How much would insurance cost for a '92 ford thunderbird?

Difference between term life insurance and permanent policies?

My insurance company is offering a term conversion credit if I switch to permanent insurance. What's in it for them, and what is permanent insurance? Whole life? Any benefits for me to change?""

Where can I get a cheap health insurance?

health insurance is so expensive... where can I get those health insurances?? especially the cheap one... yea...the best cheap..not the worst cheap

Car insurance for honda city - chennai?

i am goint to buy a brand new honda city - 1.5. E MT model what is a average yearly car insurance i could expect for this please advise

Received ticket for failure to report accident if found guilty will this make my insurance pay out void?

Was in one vehicle accident car written off insurance paid Still have court for failure to report accident need to know if found guilty will I have to pay the insurance company back

How much would some general liability insurance cost for a start-up salsa company?

My wife and I are starting a small salsa company selling it at the farmers' market and hopefully some local grocers. We would have no employees and sales will be well below $50K for our first few years. How much would some general liability insurance cost for a this start-up? We are in Lancaster County PA if the area matters. Rough estimates would gladly be accepted!

Why do car insurance companies do credit checks?

I have just renewed my car insurance and made a massive saving from 162 per month to 79 per month. But the first few wouldnt let me pay monthly because of my credit history. Why ...show more

How much does it cost for car insurance?

I am 17 years old. I just got my licenses and i need insurance. How much does it cost with my parents and how much does it cost without my parents?

Mohall North Dakota Cheap car insurance quotes zip 58761

Mohall North Dakota Cheap car insurance quotes zip 58761

Where can i find affordable life insurance for my 81 yr old granmother?

I live in Illinois, and I work for the UI, but im not sure if I can add my grandmother on my insurance...So Im trying to find somewhere that will take senior citizens, but something i ...show more""

25 years old and buy life insurance?

Hi guys thanks for reading my problem. I am 22 years old, my husband just 25 years old. We've been married for six years, and has three children. His work on the site and my question is... 25 too early to look for to buy life insurance? If not, would you recommend any company? I extra novice, this will be our first look for life insurance for our family.""

Car insurance Question?

Hey I Am looking for some advice from a driver or someone in the police or dvla or just someone smart :) I am going to be buying a car but I am on a provisional so I will not be able to drive the car on my own as of yet however if I get my mums friend to drive it to an off road parking space is there some sort of day insurance that she can buy to get it there as I dont want to insure it till I am going to be driving it. Yet you cant drive it on the road without insurance and just before any1 says dont do it you will drive it your full license I am not going to do that as I will be joining the police one day and will not ruin my chances of a fantastic career. So yeah thanks in advance oh and 10 Points for best quick answer :D

Car insurance for young drivers?

I was wondering what insurers provide the most favourable quotes for an 18old male like myself? The cheapest car insurance quote I could get was 2262, on an independant insurance website. The comparison websites are useless, I just get results of 3000 or more. I am asking if I can get cheaper than this figure? or should I just selttle for 2262?""

I have an old car ... is it worth it to be paying for 100/300 insurance coverage?

I am driving an old '97 accord, which I got after someone hit & totaled my previous car last year. I have been paying 100/300 JUST liability insurance for it, but I want to know if it is worth it. I am paying approx $100/month for just all liability at this rate. I lowered my coverage and 25/50 is approx $70/month, so I want to know if it is worth it. I need advice since I know nothing about this at all. I don't mind paying if it is a better option, but I also don't want to overpay for an old car. Any advice is greatly appreciated!""

What would insurance cost on a 2010 nissan versa?

I am getting my first car a brand new nissan versa approximately how much will insurance cost me i'm a male and a college student

What car insurance would you recommended after having a DUI?

I'm on my last month of having a year suspension and need to start checking out insurance companies. After AAA saw my penalty on record, I was instantly declined to be re-insured. Obviously I can't be picky, but all I ask is for the best deal at the lowest price. Not sure if these influence the price ranges or not, but here are some basics that may be of assistance: Female, 20. Toyota Yaris '09 wet-and-wreckless infraction, over a year ago. Been driving for 4 years. Sacramento, CA""

Question about switching auto insurance?

Currently I'm with state farm and I recently changed back accounts without telling them accidently so now I am a month behind and they took away my coverage. I am thinking about switching to a cheaper insurance company but would I still have to pay state farm the rest of what I owe for the 6 month contract I have with them?

Should I purchase life insurance for my child?

Should I purchase life insurance for my child?

Insurance for a motorcycle?

How much will insurance cost me... details - live in los angeles - 15 about to start classes and everything in march when im 15 1/2 - want to drive a suzuki gsx-r600 - gpa is around a B average

How much Would motorcycle insurance be for a 16 or 17 year old be?

I am thinking of getting my M1. I live in Ontario Canada. Yes, I know it is dangerous, thanks for the concern..... I am taking safety classes and everything I can to be safe. I am probably getting around a 2000 kawasaki Ninja. I am a Male. I am just trying to get a ball park for insurance for me. Also just a little bit off topic, but what other expenses when starting up. Like sighning it over Legal fees? Do I need to get is saftied again? I wouldn't want Collision for my bike and all that as I am buying a cheap starter bike, and I work at a Collission centre and can have it fixed for cheap, so the price of collision on each bill would be a waste. Thanks everyone

Looking for Catastrophic Health Insurance provider in Florida?

Hi, I DO NOT want to compare rates, I would like a link or phone number of a specific provider if someone knows of one that they can recommend. And please tell me your experience with them, or how you go their number... All the sites I have been to are regular plans not catastrophic, plus, I want a personal recommendation, (well, this is better than just going on the internet blindly). If is for a friend of mine. She is 50, lives in FL. She wants Catastrophic Health Insurance only, (no doctor visits, labs, rx...) Thank you -Dixie""

Is it possible for someone to sponsor your car insurance?

I heard you could find somebody to sponsor your car insurance and the rate will go down if the person has good credit. Is that true? and what company has lowest insurance rate for 2 way?

Health insurance info?

I'm trying find my boyfriend affordable health insurance that also covers his want/need for counseling. We live in Georgia and I need some advice since I'm still currently considered a dependent for the time being. Thanks!

Quebec car insurance question?

does anyone know how much insurance would be on a Camaro for 17 year old im not sure which year of the camaro or like if its like 1 side or whatever im not to sure how that works but just roughly for a car like that how much would it cost? thank you

How can i get car insurance on a car that is not in my name or my husbands name?

Our car (or my husbands car you might say) is legally my father-in-law's because its registered in his name. My husband's car insurance is also under his father, but his name is on his father's insurance policy. (so its my husbands car insurance, but his father is the main one on the policy... he's under his fathers car insurance more or less) The car is registered in Georgia, and the insurance is an out-of-state insurance from Georgia but it insures us down here in Florida (where we live). He has Allstate insurance. How do i come about getting car insurance on our car? I'd have to get it myself... i don't think they want me going under their policy (or whatever it is you call it)... id have to get it on my own. Would it cost a lot more because i'm doing it this way?""

Cheap car insurance im 19 male 1yr no claims any ideas or websites?

i need my insurance to be as cheap as possible any help ? ideas ? any thing lol any websites or anything to help thank you i know im in the same boat as everyone but this is worth a try lol

Good health insurance quotes websites?

Whats a good and reliable website where I can look up health insurance packages and quotes

Need advice about getting a motorcycle and a permit at 15 1/5 in CA?

Well im gonna try and get my motorcycle permit at 15 and half. ive already researched and know that i can in california....i just have some questions.also, i have been riding dirtbikes all my life and sometimes ride on the street illegally and i feel safer and like i can handle them better than cars. is insurance going to go up insanely? is a harley sportster an alright bike for me to get at first?( i WILL be taking a motorcylce safety course also) and is there a specific engine size limit if i do have my permit?""

What is the cost of Ciprofloxacin without health insurance in the States?

I think the usual dose of Cipro is 250 to 500 mgm every 12 hours for approx 10 days for UTI from what I have read online. So assuming its 20 tablets what is the cost of Ciprofloxacin without health insurance at Walmart. Just getting an idea of what the cost might be before visit to Doctor round the corner. Any experiences with buying antibiotics without health insurance? What are your thoughts on this in general and any idea of approximate cost of Ciproflaxin without insurance at Walmart. Walmart seem to be the most affordable place. CVS are expensive. Walgreens are very expensive in my opinion.

Can someone use a P.O. Box when applying for auto insurance?

Can someone use a P.O. Box when applying for auto insurance? I live in New Orleans, and the insurance for new and used vehicles is REALLY expensive. I have a clean record, and am applying for insurance on a non sporty vehicle (Honda Accord or Civic sedan). I was wondering if I can get a P.O. Box in another Parish (County) where the insurance is significantly cheaper. This way I can apply with that address rather than my residential. Thanks for your help!""

Is kaiser permanente health insurance confidential with teen the way Planned Parenthood is?

I know it's a family hospital, but do they let your parents know everything when you go see them for something like a vaginal check up?""

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

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

Best insurance company in ..........................?

What is the best insurance company if I live in Alabraska?

Question about how much you think my insurance will be??! please help?

I'm 17. I just got my license. I will be put on my grandmas insurace. She has one car. We plan to share that till I can get my own. the car is a 1995 sc400 lexus. how much do you think its going to be a month?!

Mohall North Dakota Cheap car insurance quotes zip 58761

Mohall North Dakota Cheap car insurance quotes zip 58761

""I am international student , i need to apply health insurance(Texas)?""

where should i go?(houston, Texas) what stuff should i prepare or anything i should biring""

Car insurance write off price?

If an insurance company (Admiral) writes off a car thats been in an accident,what percentage of the car do they normally Pay? The car is 10 months old and been owned by us from new?""

Car insurance question?

I'm going to get a car that is 3000 bucks...I dont want full coverage....I want somehting like PLPD or something.. How much is it going to be for insurance? Cant I find anything cheaper than 203.00 thats the cheapest so far. I dont need to pay that much... HELP??

Can you help me find Insurance?

Im trying to find a phone number for Cheap Health insurance in Mars Hill maine. THe zip code is 04758. I want a phone number because I only need Insurance for my children not on myself I live in a different area. I don't want to do the online quotes I want to talk to someone! Can you help me find this information? I need an affordable plan

Is dental insurance mandatory in Massachusetts ?

Medical insurance is mandatory in Massachusetts, but is the dental insurance also mandatory ?""

Anybody know the cheapest way to get car insurance?

Im 18/ female and this will be my first car , first time driving...prices are soo high it's hard to get cheap insurance at my age being a new driver. Does anyone know a loophole or just a way to get it real cheap?""

What is the cheapest insurance group in the uk? how do they class it?

What is the cheapest insurance group in the uk? how do they class it?

Where do I buy car insurance online?

Need to buy car insurance online and do not know how to go about it.

Cheap auto insurance safe to have?

I'm going to buy auto insurance and the rates I'm getting are pretty low, $72.00 per month (Progressive) and $92.00 (Geico). But I picked the state's lowest minimum coverage that was available, and I was wondering if it's safe/okay to do that? Thanks :)""

Which is the best company to provide affordable individual health insurance? or best way to getting one?

Which is the best company to provide affordable individual health insurance? or best way to getting one?

""I was driving my husbands car, I was not on his insurance yet. A car hit us while sitting at a stop sign?""

I was driving my husbands car, I was not on his insurance yet (married two weeks before). A car hit us while sitting at a stop sign. The at fault driver's insurance company is ...show more""

Does anyone know of an insurance company that would insure a car for a newbie?

Looking for cheap car insurance Does anyone know of an insurance company that would insure a car for a newbie? I am looking at buying a used car ASAP to get to work.

Where can i fins cheap car insurance? or get cheaper somhow?

i have been looking for car insurence and the cheapest i can get is around 3000 but i was wondering if there are any ways i can get it cheaper? also i was wondering i am getting provisional insurence but i am paying it monthly so what will happen if i pass my test and still have provisional insurence??

What is the average cost to own a car in the UK?

If you went for the cheapest car for Insurance, gas mileage, ETC. What is the average cost a month to own a car in England?""

Question about insurance?

Hi. Why car insurance is cheaper for: policy holder with driving licence held for 1 month and additional driver with provisional licence held for 3 months than: only a policy holder with driving licence held for 1 month ?? could someone explain me why is that ?

Will I loose my parents health insurance if I fail one of my college courses?

All too soon I'm going under the knife and I'm worried to death that me failing my online english will cause me to loose my parent's health insurance. Does anyone know if I will or not?

Car insurance question?

I'm adding a new driver to my policy, and shes 18. They quoted me at about $400 dollars, which is crazy in my opinion. Just woundering if there is any really cheap car insurance companies, especially for teen drivers? Thankssss guys:)""

Cheapest car insurers for 17 year olds?

Which websites offer cheap/reasonable insurance offers for new drivers? Im 17 so I wanna find the best deal!

Car Insurance????

Hi does anyone know any cheap car insurance companies. Thankyou

Where can i find cheap Auto Insurance Providers in Missouri ?

Where can i find cheap Auto Insurance Providers in Missouri ?

How much is this car's insurance..?

Iam 22 male (Married) and have a squeeky clean driving record. I am in the market for a new car and here is a list of the cars I am considering. If you could tell me which one would have the lowest cost for insurance (Full Coverage) that would great! -2005 TL acura -2005 Mini Cooper S -2007 Civic 4 door Si Thanks.

Is there any insurance company that accepts sr22 insurance required cdl driver who need just bobtail insurance?

I have sr22 restriction on my cdl. And just bought my truck. Its really hard to find Bobtail insurance some ppl call it non trucking liability insurance because of my driving record or sr22 (I guess its samething). Is there any insurance company or agency out there who might accept?

Do you have health insurance?

if so, how much is it per month? how old are you? what kind of deducatble do you have? Feel free to answer also if you do not have insurance and do you support obamacare?""

How much does a male aged 17 pay for car insurance?

Well I'm 17 years old and I'm currently taking driving lessons and hopping to do my driving test really soon. So the reason i asked this question is to just find out how much you pay for your car insurance. P.S If things do go well and I pass my driving test, I am planning to get a 05 Reg Vauxhall Corsa 1.2 SXI. So it would help if someone owns a 1.2 car and they're 17 years of age to answer this question. Thanks!!""

I want to cancel my life insurance for a better one can i get my money back that i put in on it.?

are we allowed to get money back that we put towards life insurance.. if so how long do u have to have the policy to qualify for this. mines is only 7 months old. thanks.

Mohall North Dakota Cheap car insurance quotes zip 58761

Mohall North Dakota Cheap car insurance quotes zip 58761

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progressive get home insurance quote

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I know this depends but just give me a GUESS. or how about; use yourself as an example. How much do you save, or would you save, if you had a car alarm?""

Im 18 and i want to buy my mom a car but its for her can she put the insurance under her?

so i buy the car cus i have better credit than her but i cant put the insurance on me itll be too much is there a way we can make this work

Car Insurance Question?

Can a 16 year old girl drive her parent's car alone without her name being on the insurance?

What would be an estimate for insurance on a 2WD silverado for a 16 year old male living in California?

I recently got my license and am looking at insurances. Can someone find me a quote (or at least give me an idea) for a 16 year old male living in California. The vehicle would be a 2WD 2006 Silverado. I also have a clean record if that helps at all. Thanks!

Truck Insurance CHeaper then car insurance for a male?

is truck insurance cheaper then car insurance for males, and why?""

Insurance rates?

How much will insurance be for a 16 year old driving a 2007 Dodge Charger in the state of California? By the way, I get the good student discount.""

Can Americans get health insurance offshore?

The health insurance in America is WAY too EXPENSIVE.

How much money could i save on my car insurance by switching 2 geico?

How much money could i save on my car insurance by switching 2 geico?

Where can I find affordable car insurance for a kit car?

I recently purchased a car that was given a kit car title instead of a rebuilt title and now I have no clue who will insure it! I live in Florida and the cars title lists it as a 2006 Neon. Any info would be greatly appreciated!!

Car insurance for 2004 Mustang?

I'm looking at a silver 2004 Mustang with a manual transmission. I'm a 17 year old boy and my insurance is State Farm. About how much will my insurance be? Also, how much will registration and licensing cost?""

What is the best insurance company for a recently passed young driver?

I passed my test last week and i am looking to buy a corsa, punto, clio like car. Its gonna be either a 1.0L or 1.2L car. How much will this cost me and what companies will give me the best quotes? Also, i am a boy""

How much will my insurance raise for 2 points on my license?

I recently got a ticket for failure to stop at a stop sign, I don't know for sure but I'm guessing it's gonna be two points on my license. I have already paid the ticket, I live in georgia, I'm 17, my insurance provider is state farm, I am currently paying $78 a month for only liability, I have no other tickets, but I did get a written warning for 21mph over. Will this warning count as any points or be recorded on my record? Roughly how much do you think my ticket will raise my insurance a month? thank you""

progressive get home insurance quote

progressive get home insurance quote

""I need to find how much insurance would cost for a dodge charger, tune-up, tires etc including coupons?""

What site should i go to , to figure out this stuff?""

Best cheap insurance for dental?

i am looking for a good insurance for dental what would you ppl recommand

Who offers the best and affordable auto insurance ?

First time buyer, just got drivers license""

Car insurance?!!HELPPPP?

I'm from Chicago, IL. i don't know how Chicago road law operate so i hope u guys will help me out a bit.i just found out that my car insurance had stop it coverage with me for the last 3 month for whatever reason. I just called them today to reopen up my account again and the new insurance card is being sent home. today Can i still drive my car even if i don't have a actually insurance card in the car? if a police does stop me and ask for my insurance, can i say that it's being mail home and if he/she don't believe me, they can called my insurance agent??""

What would be the approximate cost of insurance on an 2004 Acura TL for a 17 year old boy?

What would be the approximate cost of insurance on an 2004 Acura TL for a 17 year old boy?

""My fathers paying car insurance for the car I drive, now moving?

My father pays car insurance but I'm moving will the payment go to me once I move with my car? How can I switch to my name

How much will my car insurance increase?

How much will my car insurance increase? I went for over eight years without getting a ticket and got one over a year ago and one recently. I accepted and paid the fine--improper-turns--learned my lesson the hard way. Anyway, I have been with the same insurer or 6 years and saw a decrease in my rate last year, despite the ticket. My insurer only views records at renewal and mine is not up for almost a year. By then, my first ticket will be about two years old--if they notice it next year. I am middle-aged and get a multi--vehicle and home discount and don't live in the city. My car and truck are about 150 a month or both, with full coverage. How much do you think it might increase to? Thanks.""

How come they want this much for car insurance??

My brothers leasing a 2013 Buick Regal GS, They want $1900 a year from him for full coverage. They want $2000 from my dad a year ONE WAY for a 2008 jeep commander v6.. Both with perfect insurance records no tickets.""

Which car would be better for a 16 year old boy?

A 1984 chevette a 1987 Oldsmobile cutlass ciara or a 1986 NIssan 300zx? If anyone knows insurance costs for these and a teenage boy? I will be 16 next week and may get a car this summer and these are what i'm looking at they are 400-500 dollars each... The Nissan needs a lil work i think. The ciara needs front brakes checked. and the chevette runs but needs a lil work. All of these run and are not expensive. I saw other teenagers having like 20 g's but no I start working next week and will save up my own money to pay for these... No i will not be racing and don't care what anybody would think of me. I'm just asking which of these would be better suited for a teenage guy?

""Compare Car Insurance for mazda 3, Where?

how much would car insurance be for a 2009 mazda 3.

What is the average cost difference between full coverage insurance and liability insurance?

approx how much difference that is, like are we talking about couple hundreds 300-600 or alot more than that? thank you""

What are the odds of insurance rates increasing after a ticket?

Okay, so late last year, I had a run in with a cop on the freeway who pulled me over for speeding. After having a lengthy talk with him, I managed to talk him into just citing me for some dice I had on my rear-view mirror. It ran me a little over a hundred bucks, and I don't think it really effected my insurance. Now, just the other day, I got caught in a speeding trap on the freeway and got pulled over, and this time I did get a ticket for speeding for doing 81 mph. Now, as far as I know, insurance companies only check a person's MVR once every three years or so, but I've only just begun to research the subject. So my question is, given the information I just provided, what are the odds that my insurance company finds out about my new ticket and raises my rates?""

""So, is a MAZDA 3 sedan good for first time driver?""

insurance cost?( 19 and a female, live in sf) my dad could own the car and put me as co owner so that insurance wud be lower..hmm? fuel cost? and the cost of the car( including taxes and everything else) please help!""

Car insurance trying to be cheap on repairs?

I was recently in a car accident. The other driver T boned me and he's at fault. I have my car towed to a certified BMW repair shop. The insurance adjuster assessed my car and approve the repairs.I later found out that they are going to repair my car with piece meal parts from used car from a junk yard. Half a door and part of the frame will be welded. Is this acceptable? BMW said it will not fit there standards but it is what the insurance paid for. Is the insurance trying to cheat me or is this standard practice? Do I have any say on this? Should I get a lawyer?

How much would car insurance be?

When I turn 25 and my driving record is clean no speeding tickets how much do you thing car insurance would be on a 2010 camaro and I want to know car insurance on a 2005 corvette orba challenger what one would be cheaper

No insurance not my car?

Hi, my friend bought a car of some random guy on 3-19-09 and she has not registered it under her name yet, as the tags are not expired until late Dec 2009. Now i was doing repairs on the car, took it for a test drive, and got cited over by a peace officer for being on the cell phone. Now, since my friend hasn't registered it or no gotten insurance. My ticket says No proof of insurance...Am i financially responsible for this ticket? i am guilty for being on the phone, but the insurance? Ticket was issued on 4-11-09 I live in CA Thanks guys""

In ALABAMA do i need full coverage?

I want a new car...and I was gonna go to a buy here pay here lot, but I was wondering if I need to have full coverage on the vehicle...""

Why is my car insurance so high?

Im 17. Have a Peugeot 306 and im paying 533 on a provisional license.. however i have my test in 4 days and expect to pass.. my insurance will increase to over 2500.. My car is 1.4L on a P reg (1997) and im currently with Quinn Direct, my friends of the same age with similar cars are being quoted 900 to 1500.. why is mine so high!?!""

Best medical / health insurance in Dubai?

family health insurance, which should cover maternity expenses as well. also it should be economical and well received at all hospitals / clinics. thanks in advance""

How much will it cost to insure my printing company?

I am doing a project for school and we are starting up a photo/poster printing business. Before I try reaching out to various insurance companies, I was wondering if anyone knew a ballpark figure of how much insurance would be? thanks""

How much does the insurance usually go up on a 2door car?

How much does the insurance usually go up on a 2door car?

Does not paying car insurance affect Credit score?

I haven't paid my car insurance on time. But I haven't gotten mail saying last notice or the company hasn't even bothered me about it. Will this make my credit score horrible? how do i go about fixing it? thanks!

How much would average insurance be for a 20 year old student for a 2011 Camaro LS be?

Im looking just to get an estimate.

Insurance change after marriage?

i am american and i got married in canada. my husband does not have insurance and i am covered under my mothers insurance. since i got married in canada will they see here in the us that i am married or will they know and i wont be covered anymore? i have not changed my last name to my husbands. if i still keep using my mothers insurance could i get into trouble if they found out i was married?

Car insurance for a beginner driver?

how much do you guys reckon it will cost a total new driver (17, male) to insuare either: mark 2 golf mark 2 golf gti any VW corrado thanks""

progressive get home insurance quote

progressive get home insurance quote

Where can I find Affordable Dental Insurance. I recieve coverage from my job but need more coverage?

I recieve 1000 a year form my job, and I need more work done. I have used the max, so please let me know what is the best plan for me""

Where can i find low cost health insurance that can include dental? I am in GA.?

I havebeen looking everywhere for health insurance that includes dental(because I want braces)but they are so much (like 290 for a adult and 2 children) I am 16 years old looking for health insurance for my dad,me,and my sister.""

Car insurance question?

I'm 17 and still living with my parents. I just got a car and now I need to find insurance. My dad doesn't want me on his because then, if I got in an accident, his rates would go up. My question is, if I were to cause his rates to go up and then got kicked off his plan, would his rates go back down? I'm curious because I really would rather not get my own insurance, being on my dad's would be much much much more affordable.""

My wife has leukemia and no health insurance. is there any affordable health insurance?

The insurance she does have is very low, 2000.00 a year cap. we've been looking and it seems she has to be without any for 6 months. she got turned down for medicare already. others we have found range from 1000.00 per month and up. has anyone found any thing better?""

Caught without car insurance.?

I was caught failing to stop completely at a red light right turn. The cop stopped me and asked for everything. I gave my driver's license, and my dad's insurance. the cop wrote me a ticket afterward and that's that. however, the thing is that i don't have insurance myself. is anything going to happen? note: this just happened 3 days ago and it apparently takes the count 2 months to enter the citation into the database""

""If we did the following things, would health care then be affordable for most americans?

allowed people to buy insurance across state lines. protected doctors from lawsuits so that they didnt have such high insurance costs & wouldnt unnecessarily test patients just to ...show more

Affordable Health Insurance in California?

We're TTC and having a bit of trouble so I was wondering if anyone could recommend a good health plan that covers maternity and possibly specialists.

Will my car insurance go up?

Recently I was parked outside of my boyfriend's house and somebody had pulled out of a driveway and hit my car, leaving a big hole in my fender and a bit of a bend in the bumper. I had done absolutely nothing wrong, I wasn't even aware it had happened until somebody said they saw it. Nothing illegal was done on my behalf. They have been nothing but rude to me so I want to put it through my insurance, and I was wondering if MY insurance will go up because of this?""

Insurance for young drivers?

I just passed my test im 18 tomorrow and i am looking for short term insurance but fairly cheap. I have already tried to look online but most of the insurance company's require the driver to have a years experience on the road beforehand. I desperately need to drive and i desperately need to have insurance. Can anyone please advise on cheap company's plus how to arrange it all?? Thanks

""My motorcycle was stolen and at time I didnt have insurance, it has a lien on it. So what can I do?""

I owe almost $5,000 on it to the bank. Is there anything I can do besides taking this big loss? Please help I need suggestions!""

Pregnant: no insurance?

i just found out that i'm pregnant. it was a surprise. i don't have insurance. what can i do? i am over qualified for medicaid, barely. my husband is a police officer. to give birth at the hospital it will cost $7180. i called maternity card but they are very expensive and my doctor already said he doesn't deal with them. does anyone have any solutions? i really need an answer. thanks! Additional Details just because my baby is a surprise doesn't mean it's not wanted. an abortion is never an option. it's too late to get insurance because pregnancy is a pre existing condition. i'll try medicaid again. i know i'm not an illegal alien but surely being an american citizen i should be entitled to something.""

Can i get cheap insurance on vw scirocco for first car?

im going to be getting my full license soon and im thinking to buy the scirocco for my first car but have been put of by the insurance that i will need to pay as im gonna be a new driver, the price id need to pay yearly is 4500 which is a lot and pretty much the same as owning a jeep GCsrt8 for your first car. i was wondering is there cheaper option?""

Will car insurance cover a moped accident?

I was rear ended by a moped. The rider forgot to hit the brakes and nailed the back of my car. She broke my tail light and there's scrapes on my bumper and quarter panel. The rider didn't have insurance on her moped but has liability car insurance for her car. Her insurance company is refusing to pay for my damages, stating her moped is not insured, therefore they're not covering any damages. What should I do? I got a quote for $380 to fix my car.""

""I'm looking for fullcoverage insurance that is cheap ,but i'm under 25 so what is the cheap campany around?""

Ft.worth ,bedford,euless hurst?""

Wtf Is going on with car insurance companies?

Last company auto renewed my policy but i wasnt aware of this as had moved address, so to cancel it I had to pay 133 as id already started going with someone else on top of the initial deposit amount i had to pay for both companies which has took a large chunk of my money for what i feel was no fault of mine, then a month later im getting letters from my current insurance asking me to pay an extra 90 plus 25 admin fee or my policy will be cancelled AGAIN meaning a cancellation fee because when i said i had held my licence for 8 years they recon its 7 ive held it for and this makes my policy go up, thing is i got my licence on 22/08/2003 and took my poliocy out on the 19/08/2011 so they're making out when i took out the policy i only had licence for 7 years for sake of 2 days who the hell wouldnt have said 8 to that? it just seems theyre trying everything now days trawling through all your stuff finding the smallest detail just so they can get money off you or cancellation fees cos that way they're not risking anything on insurance but still gettin money off you for cancellation fees its a joke and I can really see why people think there's no point having insurance anymore. Plus I have never made a claim since I started driving but because others have in the country im being punished with premiums going up. Will it just end up where everyone who simply cant afford it thinks sod it and drives round with no insurance? surely that would make things even worse but all these cancellation fees if it happens again that I have to cancel that will be 550 ive paid in the last 2 months and still my car wont have insurance????? arghhhhh its doing my head in surely something can be done to help the customers a little more as insurance was always a headache but this is becoming ridiculous now. ..""

Accident no insurance?

I was in a wreck today but it wasnt my fault my insurance is about a month late the other driver has insurance full coverage what is going to happen

Im looking for the Best Cheap Insurance for a young driver?

im looking to buy a 1973 chevy nova. and wondering whats a good insurance company that is cheap.

New driver - cheapest insurance?

Like thousands of other parents I'm looking for a cheap first car for my 17 year old daughter for when she passes her driving test. We're not in a position to buy her a brand new car, and she's happy to have an older one anyway (she has roughly 2k to spend), but the concern is the insurance! There are plenty of websites with new car insurance groupings, but can anyone please advise me of older small cars which are in the lowest insurance groups.""

How much would my car insurance go up from a minor accident?

There is a dent about the size of a soccer ball on the back corner of the car....

If requiring people to have car insurance is the same as requiring them to have health insurance then why?

Wont the US government help you pay your car insurance if you cant afford it? Isn't car insurance a basic human right?

Has anyone used Cover Me Insurance Agency to buy Truck Insurance?

I'm a truck driver in need of truck insurance and filled out their quote form online at http://www.covermeinsurance.com/quote.html but have not heard back from them. I called them about 3am to leave a message but they don't even have a way to leave a message. I was wondering if anyone has had any experience with this truck insurance agency.

""How much can the owner of a commercial Insurance Agency expect to make? (in Year 1, Year 5, Year 10?)?""

Hi all, I live in Florida and am currently in my second year of law school. I am looking to get into the insurance business after I graduate to build some form of residual income. ...show more""

How will the affordable health care act help me? i dont want to buy health insurance. i havent been to a?

doctor in years and i have a substantial amount of money saved up in case of an emergency.

What is the average cost of having a tooth pulled?

I may have to have a tooth pulled and maybe a filling. Does anyone know how much this usually costs? I do not have dental insurance. Also, do most offices offer payments or financing? If offered would they have to do a credit check? I do not have good credit?""

How much does life insurance cost monthly for a 28 year old nonsmoking female??

How much does life insurance cost monthly for a 28 year old nonsmoking female??

progressive get home insurance quote

progressive get home insurance quote

https://www.linkedin.com/pulse/how-long-does-take-traffic-ticket-show-up-your-drivers-daniel-munoz/"

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sainsbury’s online car insurance quotes

"sainsbury's online car insurance quotes

sainsbury's online car insurance quotes

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

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Ok. I am seventeen years old and i want to get my drivers liscense but my parents wont let me because they wont pay for my car insurance. Does anyone know the laws for underage drivers for car insurance? I would be driving one of their cars and i wouldnt have one of my own. If you can site a source, it'd be great cause then i could show it to them. thanks.""

Does anyone know any really cheap car insurance companies for old cars?

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Anyone know a cheap Health Insurance Cover for myself?

Im single, 27 years old and living in Victoria/Melbourne""

GTP vs Camaro Insurance?

Hey guys, Looking at a 95 Z28 Lt1 Camaro or a 01 Pontiac GTP, Which one would have the cheapest insurance? If you own one what are you paying?""

About how much would the average insurance run for a 17 year old male driving a sports car it is a mustang?

About how much would the average insurance run for a 17 year old male driving a sports car it is a mustang?

Children's health insurance?

Just had custody of 15 and 18 year old changed from me to their Dad . All their lives I've been responsible for their insurance . As far as CHIPS goes in Texas . Since kiddos now live with their Dad . I can no longer get them enrolled . And our custody papers say I am to keep insurance on them till they are no longer eligible . Well , they are no longer eligible . Through the guide lines of CHIPS here in Texas . I even have the paper they sent to me . I can't get insurance on them . What am I to do now . Or is it up to my ex to go and enroll them ? I am a stay at home Mom who babysits . So I do not have access to private insurance .""

I am selling my car and I have a suspended driver's license. What kind of insurance policy can I buy?

My driver's license will be under suspension until January 2014 and so I have decided to sell my car. What do I do about insurance? I dropped mine when I realized I would not be driving as a way to save money, but now that I want to sell the car I believe I need the insurance even just for someone to take a test drive. Are there short-term or reduced costs policies available in this situation? I would of course immediately not need the insurance once the car is sold, which could be very soon.""

How much will my insurance cost?

Im 18 and wanting to move out this august for college. The apartments im looking to rent is on average about 500 a month for me and im trying to figure out how much a month its going to cost me to live on my own. I have a 2002 Chevy trailblazer which is completely paid off. I dont know what insurrance company my parents have right now but i know for sure its not geico or progressive. I think its like blue shields or something or other. Any help is areciated! Thanks in advance!

Rent a car or insurance for behind the wheel test in California?

Hi, I got my instructional permit from the DVM of CA. However what is the best way to pass the behind-the-wheel test? Rent a car? And if so, where can I rent a car that allows me to pass the test? Use a friend's car? And if so, how to I get the insurance? Thanks for any help !""

How much is car insurance for a 16 year old living in southern Cali?

Lets say he has good grades. Lets also say the parents of this child have great credit scores. I cant get online qoutes because he is not over 18. Any estimates? Anthing would help. Thank you.

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I reside in OH. I have insurance through progressive, my payments are about $230/month. I do finance my vehicle so it's necessary to have full coverage, I do have GAP insurance through my car dealership. OK. I have a ticket and 2 at fault accidents on my record (one really wasn't my fault) both under $500 claims... ANYWAYS, I know people who have DUI's that have lower car insurance than I do and I am a good driver, ugh. Is there any sugesstions on ways to lower my car insurance? I know eventually they will drop off but the last accident is on until April 2012 the other will drop August 2011 and the ticket will be gone October of this year. I am paying a mortgage, condo fees, a car payment that I just aquired January, this new insurance payment which is like an additional car payment (it was $100 before getting full coverage), and the obvious other bills. I am so strapped for cash, is there any ways to lower this fast or any good companies in OH that can give me lower price?""

How much would insurance be on a 2005 Subaru 2.5 RS?

I'm curious to see what the average insurance cost of this would be. I'm 18 with no accidents and I'm on my parents insurance plan. I know a lot of things can determine that but what would be the average rates? And is listed as a sports car or just a regular family car?

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Can someone be able to have car insurance in the state of new york and have the registration in someone else's name? Ex: Car insurance by the name of Jane Doe, and Registration by the name of John Doe. Please let me know..thank you.""

Is insurance a must for everybody to have?

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Can you help me figure out how much home insurance I need?

I was wondering if you guys could give me some advice about house insurance. We've been paying insurance as if our house is worth 224,000 still however it is worth about 175,000 ...show more""

Cheapest Car Insurance For Ford Taurus 2003 SES ?

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(UK) What does group 5 mean for car insurance?

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What kind of car would have cheaper car insurance?

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My Husbands car insurance is due to run out the end of this month, however he is also waiting to see if someone puts a claim in against his insurance as he had a slight prang with another car, through no fault of his own. His insurance company have said that whie they wait to see if this claim is put through, the other person has 2 months, then they are going to charge him as if he has no noclaims bonus, this will be 120 a month. He just wants to find a company that will insure him for a couple of months that is cheaper than this till he sees if the claim goes through or not, if it doen's he will have 3 yeas no claims, hope this makes sense, thanks in advance x""

How much will my insurance go up after I've gotten a speeding ticket?

I got my first ticket when i was 14 and it was a $10 ticket. i recently turned 18, and i just got pulled over again. it was an $11 ticket. i dont want to tell my parents, but i know the insurance rate will go up, but how much? i live in north dakota.""

Car insurance for new license holder?

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sainsbury's online car insurance quotes

sainsbury's online car insurance quotes

I want to get my own car but I can't because of my parent's insurance?

So my parents have an insurance plan where they are covered with both of their cars and my sisters car is listed as an extra car to save money. I'm about to turn 17 and I've had my drivers license since October. I've been driving around my mom's car but I want to get my own. I've even offered to keep my moms car and give her my own money for her to get a new car if she wanted. I've been saving money for my own car since I was ten. So basically my parents can't add another car on their insurance because my insurance company would find out about me driving it. I'm pissed because I have all the money for my own used car and I'm a safe and responsible driver, but I'm forced to use my mom's car. I'm not that type of kid who wants a new flashy car to go with the crowd, I just want something of my own so I have no time restrictions. I can't go anywhere without my mom calling me asking for her car. I know I can't afford my own insurance, so what can I do insurance wise to get my own car?""

What is the cheapest online car insurance where no deposit is paid? Morethan is no good. (UK)?

What is the cheapest online car insurance where no deposit is paid? Morethan is no good. (UK)?

Cheapest car insurance companies??? help?

Me and my bf r trying to move in but his insurance rate is up the roof, he had a terrible car accident in nov. 2 speeding, 2 reckless, 1 failure to stop a light. I know its a lot but ...show more""

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""Where can I find good, (and fairly affordable) health insurance as a cashier?""

Hello, I was wondering if anyone knew of a good place to get some good health insurance at an affordable rate? Im almost 30 years old, and I work in a grocery store, and since it is only part time I have no health coverage. I would appreciate any suggestions you might have because I can't afford to keep paying for doctor appointments on my meager salary. Thanks.""

I will be 16 soon and I was looking at getting an 01-03 BMW M3. Any ideas on how much insurance would cost?

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Auto insurance quotes?

What website you recommend to get instant multiple quotes for multiple cars, without agent or a representative involvement?""

Car Insurance Question- My daughter ........?

My daughter allowed a non licenced driver to move my car and got into a big accident. Am I still covered. Is my daughter in trouble? This is a New Jersey car, situation etc.""

Car insurance estimate?

Hi i'm currently 16 and soon to be old enough to take driving lessons, but first off i have a question. What would be the likely insurance premium for a 2009 BMW Z4 23i kept in a public place with viper alarm system and a steering lock.""

I was a passenger in a car accident. The car was not at fault. Will my insurance go up?

Also, just to know, assuming that the car I was in had been at fault, would MY insurance go up?. Again, I was not driving.""

Can you get business insurance online?

I'm taking over my dads tree care business and need to get business insurance but would rather do it online than have to go in somewhere. Can I do this?

How much do you pay for:car insurance? Home insurance? Furnishing your first apartment?

How much do you pay for:car insurance? Home insurance? Furnishing your first apartment?

Any suggestion for an auto insurance?

I'm currently under geico but I realized that they charge me too much.Do you know any auto insurance that is cheaper?

Can you borrow against a primerica life insurance policy?

Can you borrow against a primerica life insurance policy?

How much are you paying car insurance NJ?

I just want to know, please answer with how much, every 6 months? age? and any driving history? My mom and I are paying 2000$ 6 months, both of us have had unsafe operation in our driving records. does that sound reasonable to you? I'm really new to this car insurance and trying to know. thanks""

Cheapest car insurance for a minor?

Okay, I'm about to purchase a 1995 Volkswagon Cabrio, but I need insurance on it and I'm only 17. I have a missouri permit currently, but I will have my license as soon as I get the insurence so that I can take the test. If it helps at all I have a 4.5 gpa, near perfect attendence, volunteer work, dual-enrollment credit, and extra-curriculars. I just cannot afford the prices I have been seeing for the few companies that will give me insurance and I would appreciate any suggestions for cheap liability.""

Help with auto insurance?!?

So, I'm 17 and just recently bought my first car (2000 Dodge Neon), but I'm unable to drive it due to the lack of car insurance. I'm getting reeaaally frustrated because I don't know where to start! There's so many policies... I'm also running on a budget, so a cheap policy would be awesome. Any suggestions???""

How much car tax and insurance on a limousine?

Does anyone know how much road tax you pay on a limousine? 1998 model. Also, an idea of insurance cost for a 30 year old man with a clean license to drive it. Thanks :)""

Is everyone that gets insurance through work getting their notifications that insurance is going up?

Has anyone else noticed a great number of questions complaining about ins going up. These people are getting insurance through work. The notices must have gone out this week?

Does anyone have 21st car insurance?

I am thinking of switching my car insurance, this is a lot cheaper... Just looking for some feedback... dont know much about this insurance...I have never really heard of it... Thanks!""

Can anyone suggest a really affordable health insurance program for a family. That covers alot plus maternity?

Can anyone suggest a really affordable health insurance program for a family. That covers alot plus maternity?

What is the cheapest car insurance for women college students?

19 year old female. 1999 Toyota 4runner

Looking into farm bureau insurance in louisiana need help?

Farm Bureau is the cheapest insurance I can afford here but do I have to be a member to get auto insurance through them? I am only 19 will they insure someone my age?

Additional driver car insurance?

hi , i have a car and i have my car insurance my husband he just get his driving licence and he want to drive my car ,does he need to apply for car insurance for himself , or can i add him with me in my policy and how much will cost him . if i add him as additional driver on my policy is that will cost him to pay""

Does your insurance go up after getting a speeding ticket?

I live in BC. Does your insurance go up after getting a ticket? (specifically a speeding ticket)

sainsbury's online car insurance quotes

sainsbury's online car insurance quotes

How do I notify my auto insurance company that I'm cancelling my policy?

I just switched from Progressive to Geico (and saved almost $1200 per year!) How and when do I notify Progressive that I'm cancelling my policy with them? (My coverage with Progressive ends March 4th, and my coverage with Geico starts on March 3rd). I've heard that I must notify Progressive in writing; does Geico provide some sort of form or document to give the old company or do I have to actually type out a letter to Progressive?""

How much would this monthly payment approx be?

A new car that was a total cost of 16 thousand dollars. Monthly payment would be around 140. Plus full coverage insurance?

Domino's Pizza Delivery Driver- do you need commercial insurance?

I have an interview today for a job at Domino's Pizza to be a delivery driver. My only concern about it is right now I have personal insurance. If I were to get in an accident while delivering a pizza for domino's, would I still be covered? I'd like to hear from actual insurance reps or people who have had experience with this.""

Mustang GT for a teen? insurance question?

When i graduate from highschool my dad is going to buy me a mustang GT 2005 and i was wondering if it was a good choice. when i go to college i am goin to hav a job so will i be able to afford a mustang insurance? How much will it run about (estimate). Thx in advance, ~Key key24~""

Can i get good affordable health insurance? ?

I am 18 I live on my own and support myself. I go to school and work full time. But money is especially tight. I have no support from my parents and i haven't been to the doctor in years even though I've felt the need to go see one for the past year.. but its so expensive. Are there any possibilities of me being able to get good but affordable health insurance? And my job doesn't offer it

Who gets what (or how much) from an insurance settlement?

i was involved in 2 car accidents (neither my fault) during my marriage that have ended up in litigation. my other half who wants the divorce, (i feel) is stalling, waiting to see what happens to the settlement before she signs her name. we have no other need for an attorney (dont have anything (else) to fight over). does any of this matter? does it matter when the lawsuit is finalized in relation to the divorce finalization?""

How do i open a car insurance company?

my husband and i were thinking ofdoing this .We would sell insurance for geico or any other insurance company basically we would be the middle man. But we dont know who to talk to ? how to begin ?

How to get cheap insurance and get covered fast?! help:(?

i need to see a gyno asap and i need to get cheap insurance. what should i do? im 19 years old and dont have a job. and live in california.

""What is the cheapest car to insure, and what makes insurance go up and down?""

Well, i'm 17 and i want a car. I've been going on all the price comparison websites and lately prices have been going up, alot. Not too long ago you could get a 1.6 Focus, 02 reg - for around 2.5k. Now it seems that a 1L corsa is in excess of 4,000? I've just been looking now, and i can get a 1.4L Nova Saloon '92 reg, for less that the price of a 1L Corsa, '99 reg. What's going on here, both cars are completely standard. Also, what makes insurance go up and down? And please, don't just post about group 1 insurance vehicles, because i cant afford a new/nearly new car.""

How much does a root canal cost with insurance?

I do not have insurance right now. I went to the dentist's office recently and was informed that I have two wisdom teeth grown in. I have a job that offers dental insurance but I have to wait 3 more months to receive this benefit. I don't know if I should wait a few more months and pay less to get my wisdom teeth removed or if I should get it treated now and pay over $2,000 for 2 root canals and make a monthly payment of $200 for 12 months. How much would I save and pay if I were to get 2 root canals with dental insurance?""

Who has the cheapest car insurance?

My friend is 16, has a 3000GT VR4, has his own insurance plan, and pays only 80 a month. I went to Esurance, who apparently is the cheapest, and they gave me a quote for 194 a month for a 300ZX, which has 20 horsepower LESS. I don't even.""

Can you have be under two car insurance companies at once?

My dad is considering in buying another car(ideally for me to use) but to avoid the high cost, he wants to be listed as primary driver to both. It seems that usually when youre under one company, I will most likely be forced to be primary on one of the vehicles. So would it be possible to be under two different car insurance companies so that my dad can be primary for both or would this be considered a type of fraud or something illegal?""

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

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

Can my bf receive settlement from a car accident if he doesn't have insurance but the car that hit him does?

My boyfriend just got in a car accident. It was a hit and run. The police found out that the car that hit him was stolen but had full coverage insurance. The problem is my boyfriend's insurance expired 2 months ago. The police saw the accident happen and had him to come down to the station and file a report. Since he does not have insurance can he still receive a settlement for damages since the car that hit him has full coverage

I have a health insurance question for baby?

Hey, I was wondering if there is a type of cheap health insurance me and my husband could get since we don't have any and are wanting to have a baby? We both work and have good jobs but, no insurance. Is there and insurance just to cover the baby because as long as the baby's needs are covered I could care less about us? That includes like before the baby is born but, all the doctor visits pertaining to the baby.""

Who sells auto insurance for $300 per 6 months for CO?

Senior, perfect driving record, recent driving course, excellent credit rating, lives in 80104 Colorado. Retired and drive approximately 10 miles per week.""

Good dental insurance?

I am looking for a good, yet inexpensive dental insurance company...Any suggestions? I live in cali, if it matters""

17 year old 1 day insurance?

Any insurance companies do 1 day insurance for 17 year olds?

Why do i need car insurnace?

give me 7 reasons why i need car insurance

Car insurance question?

If i have my own car titled in my name, could my parents put me under their insurance so my car is insured, or does the car have to be titled in my parents name? It would be alot cheaper for me that way. Thanks.""

Where Do I Find Quotes For Non-Owners Auto Insurance?

I Need It Cheap, Fast, And In Denver,CO.!!!!!!!!!!!!""

Any affordable health insurance options for a 65 years old thats not eligible for Medicare?

My in laws are 65 years old and just moved to the US (legally!). Because they are not US Citizens yet, and it will take 5 to 6 years for that to happen, they do not qualify for Medicare. So my question is, is there any affordable option to get healthcare coverage for someone who is over 65 yrs old? Because my husband and I are sponsoring them if they cannot pay for a medical (or any other) bill, they will come after us and we all know how expensive cancer or even a simple surgery can be, needless to say that we are not sleeping well at night! Thanks! Sheila (your love life paramedic) www.slumberpartiesbysheila.com""

Is it absolutely necessary to buy insurance when renting a car?

I am renting a car for 5 days. I'm not sure if my own personal car insurance covers for a rental, but I'm pretty sure it doesn't. Its almost $100 for the insurance that they offer! Seems like a trap. Is it absolutely necessary to purchase it? Thanks""

Why does car insurance keep increasing every year?

I got USAA when I was in the military and it seems every year my car insurance rates go up by about $10. I have had the same car the whole time, no accidents and barely ever drive it. Is it normal for car insurance to keep going up like that even though me and my car are getting older?""

Suggest a good insurance company?

I want to buy a insurance plan for my stock and machinery. Please suggess a good insurance company.

sainsbury's online car insurance quotes

sainsbury's online car insurance quotes

How long does a dui on your record affect your car insurance in California?

Is it 5, 7 or10 years and will my rate go down 5 years after my DUI anniversary?""

What is the best deductible for car insurance?

What is the best deductible for car insurance?

How much is car insurance in New Jersey?

my sister lives in new jersey and she is wondering how much is the insurance going to cost. She doesn't have a car yet .. she is 17 .. what does she need in order to get a car. Like how much should she save up in order for her to be able to buy a car.. ..

Cheapest car to tax or insure?

what car is the cheapest to tax and insure ive been told its the vauxhall corsa

I lost my Health insurance and I need to find affordable coverage asap?

I had tenncare but after i turned 21 it ended i have medical conditions that require me to take medications daily. does anyone know of a good affordable insurance that covers doctor visits and prescriptions that will take me with pre-existing conditions? I have asthma, PCOS, and other things that i have to take daily medication for to be able to function. I am bi-polar i have ADHD and severe social anxiety i am also manic depressant and schizophrenic what can i do to get some health insurance??""

Car insurance question?

If I make a down payment of around a quarter of the car price ($4,500 for a $18,000 car) when I buy and also get comprehensive insurance on it. After two years if the car gets totaled- how much will I get from the insurance company?""

What is the best insurance company?

I need the cheapest insurance that is basic I have a 2002 Ford focus. Any ideas?

Help need car insurance I am 21 and dont want the black box :( help please?

anyone knows where i can get cheap car insurance from like 150 to 200 a month let me know am desperate please.......

Does it cost to cancel car insurance?

I have state farm insurance and I was wondering if there was a fee for canceling the insurance. Like with cell phones for example.

How much would basic insurance coverage be for a 19 year old male wanting a 600cc sportbike in NC?

Hello, I am 19 years old. I was looking into getting something like a 2006 cbr600r or Yamaha r6 or something. I just wanted to know how much the cheapest insurance i could get would be? I have a clean driving record. Thanks""

Affordable term life insurance quote?

What good is affordable term life insurance?

How can u break a medical insurance policy to get your own insurance?

my girlfriends mom wont give her the copy of medical card and wants to get her own policy

Does Wal-Mart have better and cheaper insurance than Obamacare?

http://www.examiner.com/article/washington-examiner-walmart-s-health-plans-are-better-than-obamacare On Jan. 7, 2013, The Washington Examiner released the results of an investigation finding Walmart's employee health insurance is significantly better than Obamacare. Walmart has come under mega union labor union criticism as a retailer whose employees are both underpaid and mistreated. Like many insurance plans which have been canceled as a result of Obamacare benefit regulations, Walmart's health insurance has been called substandard. However after an in-depth comparison, the watch dog team of the Washington Examiner discovered employees of Walmart receive a better bang for the buck than Obamacare. In comparison to Obama care, it was discovered that Walmart plans were a whopping five to nine times less expensive. Full-service individual coverage in a Walmart HRA plan is available through a Blue Cross Blue Shield preferred provider organization for as little as $40 a month while family coverage averages $160 a month.""

Gta v online mors mutual insurance. Problemas.?

Tengo un problema con mors mutual Insurance. Me han destruido mi vehculo personal y al llamar al seguro me dicen que tiene. Todos sus agentes ocupados y que lo intente mas tarde. ...mostrar ms

""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! :)""

""Which is better for car insurance, Go Compare or Confused.com?""

Which is better for car insurance, Go Compare or Confused.com?""

""Cheap Young Drivers Car Insurance in Leeds, U.K?""

I'm a 17 year old bloke who lives in Leeds and would like some help with car insurance. I haven't bought a car and Ive tried the usual 1.2 corsa, Ford Ka, Ford panda, Renault clio, vw polo, peugeot 106, daewoo matiz, Hyundai I10 etc I have also tried swinton, direct line, comparethemarket, go compare, AA, elephant, churchill, swift, young marmalade and many others but half of them wont insure me and I've got quotes about 7000+ I've tried the voluntary excess and even seen what its like with extra such as a garage, extra security features, pass plus etc. But when I changed the postcodes with my friend who lives round the corner - its dropped 2 grand!!! why??? can someone explain to me why this happened and can someone help me get any car since I haven'tt bought one yet to a reasonable price - I live in a fairly nice area too so I don;t understand why it is so much when some of my friends are getting their for 2000 ish :/""

How to buy car insurance and get license plate?

I decide to buy a used car but I do not know how I am supposed to buy the insurance and get a plate? My friend told me to get some information about the car, get a quote from the insurance, purchase the insurance and get the place, then go see the seller to complete the trade. Is that correct? If it is, what kind of information do I need to get from the seller to buy insurance? My other friend who bought a car from a dealer said after buying the car he was given a temporary plate, then he went to buy insurance and got the plate later. So can anyone show me step by step how to purchase insurance and get the license plate? Thank you.""

Does the cost of insuring a car go down when you turn 18?

is it worth waiting a couple of months to my eighteenth birthday to get cheaper car insurance? thanks guys!

Car Insurance question....?

Ok, so I'm 24 about to turn 25(apparently that's when your taken out of the pool , or so I've heard, which means my rates should lower.) However my insurance will expire before I turn 25, and there will be about a 3 month gap between those dates. I was wondering if I could get car insurance to cover those 3 or so months, or would I have to buy a 6 month and then get another quote later?""

""Guy at school hit my car, pocketing the insurance money?""

A guy at my college hit my car the other day, and the (lowest) estimate was $1,029. I only paid $1,650 for the car, so it feels like $1k is a little to much for a dent. However, I could really use the money because I just got laid off, have bills, and I'm running low on money. I know I am entitled to this money, but it be wrong to get it and then use it for bills? His dad asked me to do a $500 settlement without insurance, but I know I can get the $1,029. I really do need the money. Ethically, would it be wrong of me to do this?""

What do liquor liability insurance papers look like?

Like if you need to confirm that you have it, what do you show people?""

HOW MUCH WOULD INSURANCE BE?!?1?

So I'm looking at buying a new car but don't want to pay a ton for insurance. First of all I'm a 15 year old guy and i know that's going to change the cost. Now the two cars I'm looking at are a 1974 Chevy Nova or a 1995 Mitsubishi Eclipse. from your experience how much would you guess? And i know its different for every insurance agency and right now I'm going with Progressive. Thanks a ton for your help.

What is the cheapest car insurance in southern california?

im 17 and a half, with C average grades. just started driving, what is the cheapest car insurance?""

Which car would be cheaper on insurance? PLEASE help!!!!!!!!?

im 16 and am wondering wich one would be cheaper for car insurance and by how much a white 93 civic hb or a red 94 integra gs

sainsbury's online car insurance quotes

sainsbury's online car insurance quotes

https://www.linkedin.com/pulse/life-insurance-quotes-william-russell/"

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carole nash car insurance quote

"carole nash car insurance quote

carole nash car insurance quote

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

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I'm 17, and got a car a little over a month ago. My car insurance (with Gieco) is $250 a month. My mom's is $100. I'm on her plan, or something. I never took drivers ed (and with two jobs, school full time, and online classes, I most likely never will). I do have all A's though, does anywhere give a discount for that? I've got no tickets or accidents. Please help me find something cheaper!""

Does medicaid take someones life insurance money AFTER they die?

My father used medicaid briefly, i think some hospital and a few months in a nursing home...before he died. My mother and father had very little, didnt even own their home. My mom is afraid to have life insurance on HER, because she was told that after HER death...medicaid would try and take whatever she has....including a life insurance policy on her....which of course I'm the only son would recieve it. There is nothing else, she rents a small apartment and is making payments on a car...so its not really hers either. we live in MISSOURI...""

Can someone help me figure out how to get car insurance?? Very confused :(?

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Is buying a sports car going to completely destroy my insurance rates?

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Insurance will not pay for storage?

I reside in California, and I was recently involved in an accident. The other party accepted 100% fault for the accident. My vehicle has been in storage since November 19th. The other party's insurance says they will only pay for storage up to the 23rd because paying more is not a reasonable amount. Can they really do this? If I do pay the storage that they will not cover, it will still cost me over $500! I mean they accepted fault, and it is their client's fault that I have been without a car for so long. It is their fault that my car had to be towed and put in storage. They are the professionals. They should be able to negotiate with the company, and not put the responsibility on me. What is the best way to handle this?""

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How do I get affordable health insurance for my son?

I was in between jobs last year so I had to put my son on medicaid. As soon as I found a job I let them know but they kicked him off of it anyways. The problem I am having is that my insurance at work don't kick in until November and he has to have insurance by then for doctors appointments, etc. I tried to get MC+ for kids but they make it almost impossible to get. I just was wondering if anyone knew of a place where I can get affordable health insurance for my son?""

""ATTN: New drivers, How much is your insurance a month??

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Where can I add my name to health insurance waiting list and what are average waiting times?

In our state we imposed rent controls 10 years ago to help the poor with more affordable housing, and apartments available for rent disappeared from the market for some mysterious reason. I spent 6 years on a waiting list and still my turn never came. To tell you the truth almost all vacancies are filled either through bribes or nepotism. One week ago our Governor imposed price controls on health care insurance premiums to help the poor with more affordable health care, and policies available for purchases disappeared from the market for some mysterious reason.""

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Paying my car insurance is my number one priority but after being unemployed for 2 months and finally starting a job, I can't pay my next bill. I called my insurance company and got a 15 day extension but I start my new job on Monday so I might not be able to pay the bill. If my proof of Insurance says it ends in August and I missed July's payment and the insurance is cancelled, can a police officer find out? Again, I am not asking because I want to skip out on my insurance. I have run out of funds and I am starting a new job on Monday. Also, if it matters, I live in Michigan.""

Can there be two different auto insurances on the same car?

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carole nash car insurance quote

carole nash car insurance quote

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I Plan on trying to get these three type of cars Toyota Corolla SR5 1983 Nissan 240sx 1989 Mazda Rx-7 1991 You might notice two of these cars are sports cars but they're 20 years old so I just thought the insurance might be cheaper but anyway, Would you guys like estiamte how much insurance would be if I had bought any three of these cars. Also if anybody has any of these cars how much do you pay for insurance for that car and how old are you?""

Why is my credit ratingscore brought down for getting car insurance quotes?

I'm trying to get auto and renter's insurance and I do not understand why my credit score is brought down because of this. Can't they tell I'm not our trying to get several credit cards or lines of credit or loans? How can this be dealt with and changed or stopped? If this is going to happen, how will my credit look in two years when I am ready to buy a newer vehicle?""

Car tax and insurance?

how mich is yax and insurance on a car for over 25s my bf is nearly 25 and starting to drive xxx

First time Car Owner Getting Insurance?

I'm a college student, not living with my parents, which means I will need to start my own parents. and I'm looking to buy my first car, which might be an out-of-state title. Say I eventually, locked on a deal. The question is: Do I have to buy insurance before paying for the car. But then how does the insurance company assess the quote since I haven't had a car yet. Do I just tell them the make and year of the car I'm Going to buy for sure or how does it work? What if I bought the insurance, but the deal didn't work out, and I have to choose other car/ make/ year? Or, can I get it insured soon After I make the purchase? If so, what happens between I picked up it from the seller and driving it to get it insured. Do I get screw if I had an accident during this time. I probably sound pretty stupid by now.. but dude help me out here.""

How much does company car insurance cost for your personal car?

If i was to take out insurance for my car to cover it for company use how much does this usually cost??? i guess every car/individual is different but on average whats the usual cost??? thanks

Which is the best of the car insurance price comparison websites?

And is there like a website that you can go to that lets you compare them easily?

California life and health insurance exam?!?

I took it once but only got 60% and it was super difficult with only studying the pre licensing course. Can anyone give me some other materials or advice for getting a passing score. Please and thank you. And please no bulls**t answers-___-

Does getting a ticket without losing points increases your insurance price ?

I just got a ticket for driving my car without having my drivers license with me. Altough it's better than 128$ and 2 points, its still 52$. The thing im wondering though is will my insurance company charge me more because of that even if I didnt lose points on my drivers license ? Thanks""

Car insurance policies for minors?

So, if you are under 18, and are paying for all car expenses yourself, including insurance, what is the difference between being under your parents car insurance policy, and being under your own with parents approval signatures? Can your parents still be charged if you can't afford damages to an accident if you are under your own insurance policy?""

I am looking for the website for the Illinois Insurance Auto Assigned Risk Pool?

This pool provides insurance for high risk drivers on a rotating basis.

Is my life insurance cheap or expensive?

I pay $4 a week and I get $30,000 insurance and I'm 22 years old, male, is this a good or bad deal?""

Young Driver. Big Raise in Auto Insurance Rates! Can you help?

My son is 15 and is getting his learner's permit. My insurance company wants almost $200 a month to insure him on my policy. I had low rates and a good record so this shocked me. Can anybody help?

Volvo S40 insurance cost?

I'm going to lease a new car soon and I had my heart set on a 2008 Volkswagen Jetta SE ($21,040), but yesterday I found an really good deal on a 2007 Volvo S40 ($20,800). It's never been sold so it's technically new (it was a dealer demo). I'm just wondering if the insurance on this car would be similar to that of the Jetta. It's the base model 2.4i with no options except the automatic transmission. Do you know if if the Volvo would be more costly to insure?""

Accident with no insurance?

Hi I got in an accident in linconwood with out any insurance but the accident was his fault and there's no police report and now his car insurance company is during me b.c they said it was my fault. Can somebody please help me out here

Full or Limited Tort with no car or insurance?

I was in a single car accident in March. My car is not drivable and I am donating it. I want to cancel my insurance on the car and my agent said that I would have a lapse insurance which would make it more expensive for me to get insurance in the future. I live in PA and also wonder that if I no longer have car insurance does that mean I have limited tort if I'm passenger in someone's car or get hit while walking. I'm currently driving my mother's car which is registered and insured in DE I have concerns as to my liabilty and hers if I were to be at fault in an accident in PA. Doing some research today has just made me more confused.

Cheap car insurance for young drivers?

Where can i get cheap car insurance? I'm now 18, and I did use to drive a 1.2 Renault Clio, but I had to sell it, because the insurance was so high. I've been looking at other cars with small engines, and I have been using price comparison sites, but the cheapest quote I ever got was 3000 (and have done Pass Plus too!!) Is there any way to make insurance cheaper, or is there any insurance companies, that specialise insurance for young drivers with Pass Plus? And is there any other ways to make quotes cheaper? Please help :)""

Is triple a the best car insurance?

Is triple a the best car insurance?

How much does auto insurance cost for a 16 year old male with Erie?

I just got my license and now I want to get a car but my dad wont pay for insurance, I was wondering what the possible prices might be. I would like a Jeep Wrangler or a VW ...show more""

carole nash car insurance quote

carole nash car insurance quote

How much is car insurance usually in UK?

I live in London and don't have a clue about this thing but I just passed my test at 29. I've got about 2670 to spend. So half of that will be for a deposit. How much do most people spend on insurance a year and what would be a cheap price range for me to look for? How much should it be for a month and what is the best insurance company?

17 year old car insurance help?!? Modification!?

Just got a Nissan micra 1.2 10 year old, insurance quotes cheapest is 2700 with a parent as a named driver, how can I get this Down and I wanted to add some mods""

What is The Best Life Insurance Policy?

What is The Best Life Insurance Policy? I am Looking For the Best Life Insurance Policy We are having another child and I have to do something about not having any life insurance Can I get A free Online Life Insurance Policy Quote somewhere. Thanks for your time

What is the average car insurance for an 18 year old male who is just starting to drive?

I just want to know how much car insurance will cost me i know a lot has to do with the cost such as what type of car and such. I want an estimate because no insurance website has a quote for new drivers.

Where can I get the best price on private medical insurance?

Where can I get the best price on private medical insurance?

Why is the insurance on my 1982-83 2.5L landie cheeper than my 0.9L corsa W reg?

i just dont see how the insurance on any landie could be cheaper than a corsa, especially as it is my first year driving, does anyone know why this could be?????""

Why the heck is insurance so high?

So I'm 17 trying to get insured on any car from a 1-1.2L DIESEL. I've tried practically everything and it's so expensive. I get quoted 15,000 for a MINI COOPER S and 12,000 for a corsa. The area I live in insurance is low. I passed in july and I really need a car. Any suggestions for cars or insurance?""

How to get cheap insurance without no claim bonus?

Hi basically I had been a additional driver on my brothers policy for 3 years and I do not hold any no claim bonus as it was on my brothers name. I want to get insurance done on my name now but I am looking for any good deal being a only driver with no claim bonus as I have no accident history, I have clean record of driving so any ideas on how to sort it out cheap let me know thanks in advance :)""

Insurance of a replica sports car ?

Would I have to pay high insurance on a replica of a sports car, when really the car is actually that the body kit will be going onto is only worth 600 ?""

Insurance on a Firebird?

looking for cars with the lowest insurance rates but idk anything about that... i know sports cars are more expensive. age, location, record and all that too.. but are firebirds generally expensive to insure?? and bc its older will it be less expensive?""

Where can I find affordable health insurance for me and my self employed husband?

For just me and him we pay $927 a month! He has no medical conditions. I take 3 medications for depression and anxiety, but its been a lifelong thing, and I require not psychiatrist or anything , like that, just the meds from my family doctor to keep my chemicals level. Can we get assistance, or is there special help for the self employed? I'm 35 and he is 40.""

How much should i pay for insurance premium for an indoor playground business?

How much should i pay for insurance premium for an indoor playground business?

How much auto insurance do I need if I own a home and some other assests?

My auto insurance company told me that if I'm in an accident and I don't have enough auto insurance I can be sued and possibly lose my home. I never heard of anyone losing ...show more

Can't decide if i want to go to college for Insurance sales?

I wanted to go to college to be and insurance salesperson but im not sure. If i go to a community college and get an associates degree in business-insurance sales what does it quallify me to sell, like what type of insurance? How much do they make? Will it be easy to find a job? What are the typical hours? Will i have a secure job? Do you work off comission? Any additional info plz""

""Where is best for cheap car insurance for a new driver, curfew insurance?""

I am just turning 17 and want to know the cheapest insurance companies out there. I know Quinn direct is good, but are there any better ones. I also know that there are curfew insurance companies that stop you going out after 11 and before 5 in the morning, but what are the companies called? Thanks""

Car insurance. Confused.com?

Hi, I have to do the car insurance for my dad. My dad used confused.com last year. I have all the information stored there and i want a new quote. What to do press because the page has changed and I don't know much about these things. I want to get a new quote with filling anything in again. What to I do? Thank you very much.""

Quick insurance quote for a 2006 range rover sport hse?

i am 16 and found a 2006 range rover hse sport for only 10 grand. the car is immaculate and freaking loaded to the top with upgrades. i know you are all thinking WTH? but the car is not salvaged and runs perfectly. i can afford the payments for the loan i am getting, but what insurance company would charge the least amount of money with decent coverage, cause liability aint covering the rover. thanks for all ure help, P.S. how much would registration be?""

How much will my insurance go up?

I rearended someone on the highway. There was no damage on either car and no one was hurt. Unfortunately, my front airbags deployed and the seatbelts locked up. I've got an estimate of 4k in repairs. I believe my deductible is approx $400. 4k is a pretty hefty amount. But the question is should I claim or pay out of pocket? Basically, will the increased insurance rate exceed that of the 3.6k difference that they'd be paying? I'm currently paying 1k a year. Thanks.""

Will my car insurance rate rise if someone on my policy gets in an accident?

If I add someone onto my car insurance policy and that person gets in an accident, will my rate climb. If it does can I remove that person from my policy to keep my rate the same.""

My car was wrecked and the insurance company paid to have it fixed. Now they have found something they missed?

After paying out around 12,000 to fix my car (body damage only, but new car so everything came from factory) we found out there is something else that needs to be fixed and because the car is so new and they don't make parts for it, whole transmission needs to be replaced, even though nothing it actually wrong with it. Now insurance wants to total my car. I have gap coverage and want to know my options if i would like to keep my car and have transmission fixed myself. At first insurance told me they would pay off car, I keep it and get settlement money, then they told me no settlement money, but I would get to keep car with salvage title and it would be paid off, now they are saying they r trying to make sure I can keep it at minimal cost to me . The lien holder says if the insurance pays it off, they (lien holder) will not allow me to keep the car. If the insurance pays for it, isn't it their option to allow me to keep the car or not? What are my options?""

What to do if someone doesn't want to use car insurance to pay for accident but pay privately?

Someone just rear ended me. There are deep scratches on the bumper. He has car insurance, but doesn't want to use it. I got most of his information - driver's license #, car insurance info, ect. What are the steps I should take? My car insurance company said I have to call in and report accidents as soon as they happen. Should I do this in case he doesn't follow through and pay me for repairs? Should I go get an estimate right now, and have him send me a check?""

How much does auto insurance cost for a 17 year old boy for insurance companies?

I'm in the u.s.

What's a good first car for low insurance?

I'm buying a first car soon, and I don't want the insurance to go through the roof. My mom offered to just give me her 3-Series but I'm afraid it'll make our rates go up if I'm the primary driver, but I know nothing about insurance so help me out here... I don't really care what the car is AS LONG AS... It is 1995 or newer Has the basics (power steering, air conditioning) Reasonably comfortable Reasonable gas mileage--doesn't have to be too great NOT a Honda. At all. I really hate Hondas with a passion and that kind of lowers the list, but oh well.. It doesn't really need all the fancy bells and whistles--just needs to be comfortable, cheap-ish insurance, and easy to fix. I'm looking into Buicks right now. My mom said she likes the Scion tC, and I don't really mind either (but it does look kind of girly). Any other good options? Thanks!""

Who owns Geico insurance?

Who owns Geico insurance?

Anyone in PA know about the car insurance discount?

Supposedly you can get about 7% to 8% off car insurance if you have an Emergency vehicle Certificate. Does anyone know anything about this?

carole nash car insurance quote

carole nash car insurance quote

Why are the local prices for auto insurance lower than online prices ?

Why are the local prices for auto insurance lower than online prices ?

What are some really good auto insurance companies?

I just turned 18 and my parents are basically kicking me off the insurance. i need some good but affordable car insurance (full coverage) What insurance company are you with and about how much is it a month for 1 driver?

Car insurance loopholes?

Are there any loopholes or 'tricks' I can employ to lower my car insurance? I'm 19, and the quotes I am getting are between 4000-5000. It's obscene, especially when my motorbike does 0-60 in 3 seconds and has a top speed of 160mph yet it costs me 350 a year to insure. Apparently I might not be able to 'handle the power of a Vauxhall Corsa'. Car insurers won't even take my 3 years motorcycle NCB into account. Is there anything I can do?""

How is affordable calculated in obama care?

How is affordable calculated in Obama care? I have tried to find the criteria of what is considered affordable in Obama Care but haven't found it. How is it calculated? Who determines what is affordable? I think $1/ month is affordable. I'm sure the government and the health insurance company's say it's more.

Car insurance whats the diff?

I got two insurance quotes and one is for 20/40 liability (the state min) and the other is for 100/300 what exactly does this mean. I know its the amount that they cover, but I only have liability so whats the difference?? Please, help.""

Do insurance companies rate based on points or violations??

I am 23 and have no points on my licence. I live in maryland and i was pulled over in virginia for speeding and recived a 'failure to obey a highway sign' violation. The officer said he gave me that cause it was a lesser fine, i think it was B.S. cause he didnt have me on radar (i asked to see the radar becase he said i was going 75 in a 65, i felt i was going 70 max.. he said they arent supposed to lock in the speed int he radar but that is a different issue) I contacted a rep from the MVA and he said no points would transfer to my driving record, but the violation would go on my record carrying no points. My question is, do the insurance companies look at just the points on your licence, or do they look at the violation even if there are no points. Also, about 2 years ago I got a ticket for speeding and i went to court and they dropped the points and declinded the fine a little. Im assuming this is on my record as well, but carried no points, would this effect rates as well""

What is the most affordable cancer insurance for a girl in her 30s in japan?

not including shakkai hoken and kokumin hoken. i got those already. i want supplement insurance

How do I get health insurance for my 2 year old son?

I have a 2 year old son and me and his mother are separated and I want to get him a health insurance plan. His mother is not working now and I work on my own so I don't have health insurance from work to cover for him and we are about to go to court to settle for child support and custody and I want to have him on health insurance. Please any help will be appreciated. Where do I go or where do I call? is any health insurance good or how does this work? Thanks.

To get a car insurance quote do they need my social security number?

I called an insurance company and they asked for my social security number. I gave it to them and my mother got mad at me. Are they suppose to ask for it for a quote?

Cheapest insurance company for young drivers?

Just wondering what the cheapest place for a young driver to get insurered is from people's experience, thank you""

What can I do about auto insurance price gouging?

I backed into someone in a parking lot. Thay had a claim off $1000. this is my first and only accident. My insurance company say's because I was moving it's a collision and my insurance has doubled. this is wrong.

I dented my friends car. can my insurance cover it?

i accidentally kicked my friend's 2011 Camry SE's back side door. He treats his car really well and i know it really upset him. I was going to pay for it, but when we took it to the toyota shop, not only was it $2000 but they also need to keep it for a week. He would need another car to go to his full time job and full time school, so he asked if my insurance could cover for it and give him a rental car. My insurance is in my parents name so i want to know whats going to happen before i decide to ask them. Anyone have any knowledge about this? Thanks.""

Anyone know a dentist in NH/MA that is affordable?

Hey , my parents are having a really hard time with their teeth , and it kills me to see them in such pain and having nothing to help them. The thing is they don't have dental insurance because medicaid doesn't seem to cover it , my parents are both in need of some dental work for an affordable price because we do also live on a fixed income . Some please help , any places?""

""For a 16 year old how much does insurance cost for a year, an average, and what is out there that is the best?""

insurance plan, only answer if u have insurance or have experience""

Rental Car - minimum liability insurance in California?

Does a car rental company in California have to provide minimum liability insurance required by state law without extra costs?

Moped insurance in texas?

I am looking into getting a 49cc moped and am trying to figure out how much it would cost to insure it. I am a 25 yr old female with a clean driving record if that helps.

Question about car Insurance.?

I live in Canada, Ontario. My question is, if I am 16 years old, can I call insurance companies for insurance quotes? Of course if I have my license and tell them everything honestly and truthfully. Do I have to be 18 or above to do this? Just please tell me if I am eligible to call insurance companies on my own to gather quotes. Thank you""

Why doesn't Obama want people to be able to get health insurance from other states?

wouldn't this create more competition in the insurance business?

Is this a good insurance quote ?? from quinn direct!!!?

ive just got a renault clio 1.3 1993 automatic k reg, very clean an just had new cam belt an sumthing else lol an new tyres lol so just passed all the mot, !!!yeah!!! lol so ive been quoted 318.56 no claim bonus im going on as provisinal driver an my partner as a full clean license. do u think that is a good one ? or can it get any cheaper lol""

Car Insurance for Teens?

Hi, Im 16 years old, going to get my license, and did parent taught drivers ed. All my life, ive wanted to drive, but now, I hear that car insurance for teenagers is so damn high. I heard it is at least 200 a month, and I know for a fact my parents cant afford that? What should I do? Some people I heard pay only 20 dollars a month, how the hell did they get suc ha low rate? Also, Id like to drive a sports car, which im guessing is gonna make insurance way higher. So where can my parents get affordable insurance for me?""

Why is car insurance so higher in UK than other countries?

In my home country, I did not even think about car insurance cost when I bought a car. It was just a small amount of money. In UK, when I try to buy a cheap secondhand car, the insurance cost higher than the car price. 2002 Nissan Primera cost 900 pounds while insurance quoted me 1169 pounds for that car. Why insurance cost more than the car price? I am not intending to claim by knowing the amount of excess money (higher than the car price) I have to pay in the first place if I want to claim.""

How long do I have to wait till I get cheaper car insurance?

I have saved enough money to buy a used decent car cash. However, because my licence is super new the liability insurence came up to $270.00 and I cannot afford it. They said is because of I'm considered I new driver. So, how long do I have to wait before I get cheaper insurance?""

Whats the cheapest car insurance company for a first time driver?

I just got my provisional license, I'm 19 and I'm looking to buy a car. Now with that car I'm also going to need insurance. My parents went to their car insurance company and said that adding me to their insurance would raise their insurance from $500 to 2,000 meaning I wold have to pay $1,500 for my part every 6 months, $3,000 a year! Is there another car insurance company that could be cheaper whether it be just me on the policy or with both my parents? I don't have a car yet because I want to see how much it would be all together. Thanks for your help!""

How can I lower my auto insurance rate in California?

Details: Licensed at 19/Now 25yrs old. I have a clean record but can't afford full coverage because it's in the thousands. Is it pricey for me because I'm Asian? I don't get it, I hear about people being fully covered for a whole year for less than $1200, but I only have basic coverage and I'm paying $1100 per year. Can anyone help?""

How much does motorcycle insurance cost in kansas for a 16 year old driver?

im 15, about to turn 16 and want to get a motorcycle. i only have a few dirtbikes that aren't street legal and im thinking about getting a 1993 gsx750r this july for my bday. how much would i expect to pay for the insurance? i live in a rural area so it SHOULD cost less right?""

carole nash car insurance quote

carole nash car insurance quote

https://www.linkedin.com/pulse/allstate-homeowners-insurance-quotes-online-alyssa-mcmillan/"

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Glenwood North Carolina Cheap car insurance quotes zip 28737

"Glenwood North Carolina Cheap car insurance quotes zip 28737

Glenwood North Carolina Cheap car insurance quotes zip 28737

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

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So can I lie about my grades to the car insurance company?

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Insurance settlement.?

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Got a Speeding Ticket in NJ. Will my Insurance Rate go Up?

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Hi, So i am debating with my family whether or not if the 1993 Integra 2 dr AUTO is considered a sport car? Usually, most sport card has HIGH INSURANCE. Our Insurance company is Wawanesa, and i can NOT get a hold of them at the moment. MY QUESTION IS; is a 93 integra 2dr insurance cost HIGHER than a 95 integra 4dr? or are they about the same cost?""

How much is AAA a month?

I have Roadside Assistance with AT&T and I pay only $2.99 a month for 4 calls every calendar year but they only cover from about 2 to 10 miles if I need a tow. I'm thinking about switching to AAA but I really don't know anything about AAA. Can anyone give me some insight on AAA? PLEASE :-)

I need hand insurance?

I need hand insurance

My husband needs insurance where is the best place to get it that is affordable?

My husband smokes, he has been trying to quit but unsuccsessfully and I need to geth him some insurance. I'm teetering on the low income requirements, not if you take out taxes though and he has had some medical problems in the past but mainly mental health problems. I was gonna get him insurance through my work but it would cost me 273 a month and I simply do not have that much money, I don't know how anyone does. I can barely spare $100 a month can I find insurance for him for that amount and where, I live in Kansas.""

Auto Insurance - Spouse coverage mandatory in Ontario?

I've been told from my insurance company that since my wife holds Ontario Driver's licence, she will have to be covered under my insurance and pay a higher premium eventhough she does not drive at all. I also saw on-line that you can sign an 'excluded driver form' (OPCF 28A) in which you declare that she will not drive my car and you can exclude her from your insurance and maintain your premium rate. The insurance company basically denied this and told me that as long as her and I live under the same roof, I will have to pay the higher premium. Can someone please advise?""

Glenwood North Carolina Cheap car insurance quotes zip 28737

Glenwood North Carolina Cheap car insurance quotes zip 28737

Does request of Auto insurance quote have any negative effect ?

My current auto insurance is All State. I am looking for a new insurance of similar policy with lower cost. want to shop online and see if there is better deal. Does request auto insurance quote have any negative effect in my credit ( they need to pull my credit scores, i have a very good one), or any other negative effects. thanks very much!""

Moped insurance in texas?

I am looking into getting a 49cc moped and am trying to figure out how much it would cost to insure it. I am a 25 yr old female with a clean driving record if that helps.

Health Insurance Out of State?

I have pectus excavatum and I live in Marshalltown Iowa. I want to get a cosmetic procedure done called the nuss procedure. Most insurance companies say they cover this surgery. I know for a fact that my condition is severe enough that I could get the procedure done. I also want to get the procedure done out of state because the only doctor that's able to do it in Iowa blows and nearly killed 2 people. What type of insurance do I need specifically need for this? I can spend 300-350$ maximum but would like to spend 200-250$ for insurance. Pectus excavatum is classified as a pre-existing medical condition so I have been told that it would be hard for me to get insurance. Right now I have IowaCare which is a joke and only covers surgery or hospitalization in Iowa City. Thanks!!!

Rental car insurance?

Say someone is coming to US from India and wants to rent a vehicle for first two weeks. Obviously he doesn't have any auto insurance ( he doesn't have an auto at all). If he wants to decline the costly insurance coverage provided by the rental companies, what are the other options for him to get liability and collision coverage for the rental vehicle for first two weeks ? If he would have already had an auto and auto insurance it would have covered his rental car too with the same coverage for around 2 dollar a day. Where as without this the cost is around 20-30 dollar a day. Just having an auto(even if it's a 500 dollar junk one) and insurance for that makes such a difference. Is it possible to get similar coverage in such low prices ?""

I work per diem and have no insurance. do you know any good insurance that is affordable?

I am also a student so I need something that won't break the bank and that I will hopefully be able to use after school

What's the best type of health insurance for a pregnant woman?

Is it PPO, HMO, etc...""

How much do commercial bus companies pay for insurance?

I have heard that commercial bus insurance is very expensive, but I can't seem to find a website or forum that gives an estimation of cost. Do insurance companies per bus, or per driver, or both? What is the cost average per bus and per driver?""

Best health insurance for babies?

Hi everyone I am 24 and kind of new to this. I'm pregnant with my first child and I would like to know what would be the best insurance for my newborn and when I should apply for it. I currently have insurance through my job and its great the only thing is I'm not considered full time so if I put the baby under my insurance there goes half of my paycheck. It is the same for the baby's father. I have a loooong way to go before my due date but I like to be prepared when it comes to things like this because it is very important to me. If there is anyone out there who has a good place to choose I'm all ears!

Does skydiving increase insurance premiums?

I have been skydiving once (last year) and odds are that I won't do it again anytime soon. I have been told that I will now have to pay higher premiums on life insurance but ...show more

What would be the cheapest insurance for a 1992 camaro?

What would be the cheapest insurance for a 1992 camaro?

Cheapest 125cc Bike to insure?

Im a 17 year old male, no provisional or no CBT. I am hoping to pass my CBT around october-november when im 18. I wanted to know whats the best bike to have and also the price ranges? id much rather a 'sporty' looking bike as apposed to others. I had my eye on a Varadero 125, hyosung GT125r or a yamaha yzf r125. The aprilia rs125 is nice but ive heard its expensive to insure? So if anyone knows the price ranges that would be great, or if any suggestions on a suitable bike that would also be appreciated. I live in the rhondda valleys, have no criminal record, could keep the bike locked up out back, if any of that helps? i know insurance is tricky but i just want to know which ball park i stand in. Thanks.""

Is there a time limit for a auto insurance claim to be completed?

I was in a fender bender with another car in a parking lot a month ago. I filed a claim with the other guy's insurance agency the same day as the accident and have yet to be told if the claim was approved or denied. I spoke to my adjuster last week (as well as the week before) and they were still waiting on photos of the other vehicle. Is a month normal? The auto insurance company is Wawanesa. So my questions is...is there some kind of legal time limit for an insurance agency to approve/deny a claim in the state of California? Or might I end up waiting months to hear anything? Thanks.

How to appeal declining application on Health insurance?

I just received letter from Blue Shield of California on my recent application for health coverage, I am asking for any suggestion on appeal and my rights in this process. My COBRA is running out, and this recent application took 2 months before they turned me down. I considered myself fairly healthy other than a monthly low dosage cholesterol prescription. Any help or suggestion is appreciated.""

Will this up my car insurance?

If I buy a normal Volkswagen MKV Golf, and get a new bumper fitted and put some black alloys on it, will it up the insurance by much? I'm not trying to 'chav' it up, I simply want more of an R32/Jetta bumper and grille. I also want to have the interior retrimmed in white leather, how much would this up the insurance by? Thank you :)""

Who offers the best and affordable auto insurance ?

First time buyer, just got drivers license""

I'm in touch with an insurance broker and he has advised me to get a combined insurance plan? pros and cons?

basically, a combined insurance with a term insurance and a permanent insurance. Anything that i need to know? The total policy is $800,000. Any catch?""

Keeping my car at a different address than given to car insurance company?

I am currently looking at car insurance (17 male) and for a peugot 106 its 2,100 at my address, but at my dads address its 1,850? He only lives like 1 mile away... If i put his address in the insurance website, but the car will be staying at my address is there anyway they can find out or check? I stay at my dads now and then and the car will be there sometimes but most of the time it will be at my address.... But i dont want to pay another 250pound for living like 1 mile away...lol""

Can insurance for young drivers ...?

i want to buy a bmw 3 series convertible m sport diesel 2litre. the buying price is 13000 approximatley, unfortunatley i am 18 years old and this seems to be playing against me when it comes to insuring the car. i do not want to go down the line of fronting or breaking the law, but is there any way at all i can get a decent deal on insurance!? even if it means insuring myself to drive any car .. if that's possible?? any help would be appreciated. thanks!!""

Health Insurance for 20 yr old in NJ.?

I live in New Jersey. I'm 20. I havent had health insurance since i was about 15, and I live with a friend's family because I have no parents. My Mom died in 2008, and my father is absent. Is there anyway i can get medicaid or any type of affordable insurance ? I read that Medicaid is only available to the elderly, disabled, and people with children. If thats correct, do i have any other options ? (My mom had medicaid and i was on her policy before she died). Also, im in school full time, but not at a university, so the school doesnt offer healthcare. Any opinons/information is appreciated.""

Questions about health insurance?

I took my eye exam couple months ago, and now i need change my insurance company, so my question is can i take my eye exam again?""

Does it cost anything to add someone to your insurance policy?

Does it cost anything to add someone to your insurance policy?

I need full coverage for car insurance?

i need full coverage to get my new car if i go to my insurance tommorow and put full coverage on my car will i be able to pick up the car the same day? ps i live in massachusetts sooo people from there will help to

Best overall car insurance company?

In your opinion (or based on any experiences) what is the best kind of car insurance?

How much are insurance?

I asked this, before but it was too general so here are the insurances i want the price of.. 1. Health 2.Car 3.life 4.home in georgia.""

Why does ACA make insurance mandatory?

Does anyone know why the Affordable Health Care Act requires you to have insurance? I could understand an optional government insurance plan if you don't get it through work, but I don't understand why there will be a penalty if you are uninsured. Avoiding emotional responses (for instance: b/c Obama sux), does anyone know the reasoning behind that? An example of the answer I'm looking for would be if you asked me why Americans are required to have car insurance, why aren't we just allowed to pay for accidents out of pocked if we choose to? I would answer by saying that some people would not get insurance because they thought they could avoid an accident, but then get into one and nobody would pay for the other person's car/injuries. Putting the person in jail wouldn't help the victim, so it's better to make everyone have car insurance.""

Glenwood North Carolina Cheap car insurance quotes zip 28737

Glenwood North Carolina Cheap car insurance quotes zip 28737

Im 17 and getting my liscense soon how much will car insurance be 4 me with a used car that will b in my name?

I will be getting my drives liscense soon and my parents are putting limits to where i can drive and when and i wont be able to drive it when ever i would like, how much is car insurence gonna be with me for a used car that will be in my name ?""

Can you get life insurance if your already sick?

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

Reg Car Insurance and Road Tax?

Hi, My car insurance ran out. My road tax ran out last month. I applied for SORN and have one for my car. Now the problem is i want to tax my car. I dont want to take an insurance for a whole year. Is there a chance where i can get a pay as you go insurance for just a month and get it taxed for 6 months. Will they give me a tax disc from the post office if i have only a 30 day car insurance cover. Let me know""

Why is michigan car insurance so high?

I am a 21 year old female with no little credit but I have no bad credit. I rent an apartment and pay all my bills on time. I have a 2004 monte carlo ss that I paid 3500 for. This is ...show more

Morning after pill in USA WITHOUT HEALTH INSURANCE?

I had unprotectedddd sex last night and am recently new to the united states and do not have health care insurance but i need the morning after pill!! CAN I GET IT I NEED YOUR HELP PLEASE

In terms of premium cost the most expensive type of insurance is?

In terms of premium cost the most expensive type of insurance is?

Car Insurance Question?

I recently bought new insurance from Nationwide. They want me to send in proof of prior insurance along with other documents. My last insurance was under our family business so the insurance card doesnt say my name, rather it says the business's name. will this be a problem?""

Can you approximate how much car payments would be on a 2011 mustang gt convertible?

It is a mustang gt 2011 convertible , how much would car payments be with decent to good credit , also insurance payments? - thanks(:""

Car Insurance? Do you really need it?

Say for example the owner of a vehicle allowed you to drive it, and you accidently damaged a car or vice versa, would you have to pay for the damage or would the owners insurance cover the car or an injuries that occur to the driver? thanks""

Insurance: Possible to change title by deed poll to make insurance prices cheaper?

Insurance: Possible to change title by deed poll to make insurance prices cheaper? Im currently Mr X but if i changed my title by deed poll (UK) i would be Miss X and this makes my insurance more than 50% cheeper for my car? Think its possible and/or worth it?

Insurance for Porsche Cayenne?

hi, im thinking about buying a 2005 Porsche Cayenne, and was wondering how much the insurance will be for such car?""

What is gap insurance?

My insurance co is paying only part of what I owe of the value of my car is was considered a total loss - after using the gap insurance does it erase the debt that I have with the bank and can I use the same bank to finance a new car?

Only eligible for group insurance?

My husband is only eligible for group insurance due to multiple injuries/surgeries obtained from playing sports. His employer does not provide benefits, nor does mine. I was able to get insurance privately, but they refused him. What else can we do?""

How can I become an Insurance claim adjuster in California?

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

Do I have to have auto insurance when driving a uhaul?

Ok so My boyfriend and I are planning on renting a uhaul in a few months for our move from Florida to California. We currently do not have auto insurance. If we get pulled over will they ask for proof of insurance? Do we need insurance to drive a rented vehicle? Also does uhaul offer insurance? What does it cover and how pricey is it? I told my bf that you probably dont need insurance to drive a rented vehicle but he disagrees with me. So if you can help me prove him wrong I'd greatly appreciate it.

Young peoples car insurance?

ok im 17 and i passed my driving test in july but i havent been driving because insurance is too high and i couldnt afford it. So i was holding out for my 18th birthday in jan to see if it went down abit. I have just gone on my weekly check of confused.com and for third party f and t its now 2500 (same as always) but when i change my DOB to 6th december 1992 it goes down to 1544 so does that mean when im 18 in jan i should get a qoute with a similar price or will it stay at 2500? cheers

Health insurance question about coverage under age 26 while married? HELP?

Im currently age 22 and on my mothers health care plan and scheduled to get married in October. My question is, will I still be covered on my mothers insurance plan if my future spous has a form of employer insurance that i could be on. This would however kill her monthly take home pay. Shed make 300$ a month for full time job Im self employed and have NO Employer-based insurance opportunities and will still be 22 when married. So when i get married will i be kicked off my mothers insurance because i have the potential to be on my spouses insurance plan? This Affordable Care act law is somewhat vague on this topic""

Car insurance payments?

i am 17 years old and i'm on a plan with my parents right now. i drive a 1993 cavalier, and am looking into buying a 2005 impala. how much (roughly) will my insurance payments be a year, or per month. (please no websites. i tried them and they are too long and don't give me enough info)""

Insurance on a '98 Mustang?

16yr old girl in Ohio, just wondering the cost before i try and sell the idea to my dad lol. Yellow w/ body kit. Help? :)""

""'96 Saturn Sedan SLI 4 door, Totaled, accident insurance offered $2700. buy back $530. fair?""

'96 Saturn Sedan SLI 4 door, Totaled, accident insurance offered $2700. buy back $530. fair?""

""Insurance estimate way to low, help?""

Ok, So about 2 weeks ago I was at a friends house. When I walked out and was getting ready to get into my truck, I noticed all four windows from the passenger side and drivers side smashed out, along with my truck being keyed all around on every panel. I called my insurance company the next day and a few days later they sent someone to give an estimate. I wasn't there though. So I then received a check in the mail, along with the breakdown of the estimate. They gave me $2,600, minus my deductable left me stuck with a check for $1,600. I felt that was way to cheap for a brand new paint job and to replace my windows, so I went around and got quite a few estimates of my own. They ranged between $5,800 - $7,000. I faxed them over the estimates, and what they told me was that the way they worked was I'm supposed to show them their estimate and they are supposed to work with the shop owner from there. So today I went, and as the shop owner was reading through the estimate, he was laughing and pointing things out, saying they can't be serious. He said there is basically no shop that would do all that work for cheap. He says I might need a lawyer. Any advice guys? Because all I want is my truck fixed, and its turning into a big ordeal. I drive a 2003 Chevy Silverado just in case that matters. I also still have they check they gave me sitting my my drawer, haven't cashed it.""

How do I find health insurance for myself as an individual?

I am currently a sophomore in college, and I really hate student insurance, as it covers and pays for almost nothing, and doesn't include dental. Where do I go if i need to get a different provider?""

Progressive auto insurance problem !?

I need an opinion on what should i do in this case. 3 weeks ago , as I was driving home , on the freeway , from the truck in front of me fell big peace of ice and hit my car from underneath. Less than 1 minute later i noticed blue smoke behind , luckily there was and exit with gas station right there. By the time i pulled up to the gas station car was barely moving. After staying parked for 20 min , it leaked oil and tranny fluid . I called towing , had them pick the car up , called progressive made the claim. All of that happened in WI near Milwaukee , before i used to leave in Chicago , so I never dealt with progressive from WI. After couple days adjuster came out and gave shop 1100$ to start the repairs , shop diagnosed everything and came to a conclusion that its the transmission leaking because of the damage inside. Adjuster was extremely slow to give shop any kind of approvals to do anything , So after 3 weeks they finally allowed them to take transmission apart , another adjuster came out took pictures , then shop owner want around , called me and said that he will call me next day. Next day shop owner calls me asking if I heard anything from progressive ? I call that guy back , but he went on vacation. Call my first adjuster , she says that the guy who went on vacation concluded that it wasn't related to impact , so they wont pay for anything and I owe 500 for taking down transmission. I called shop owner right away asking if its possible , not being related to impact , he says of course not , otherwise your car wouldn't break after impact. He also said some technical explanation what caused it to break , i just don't know what. he also said that no one ever called him and asked him what was the cause if that. I dealt with progressive in Chicago twice , when i lived there , and i had greatest experience ever , but it seems that in Milwaukee , they are playing games , making me pay , and not taking responsibilities. I figured somebody might know what should I do in this case , I just want them to do what they should do , especially when Im paying 200$ a month.""

What are the pros and cons of getting motorcycle insurance in Florida?

I'd like to save on the cost of insurance. However, I was wondering if it would be harder to get cheap insurance if I happen to get in a crash (with no insurance at the time).""

""Non owner SR22 insurance, a cheap website?""

Non owner SR22 insurance, a cheap website?""

Glenwood North Carolina Cheap car insurance quotes zip 28737

Glenwood North Carolina Cheap car insurance quotes zip 28737

Motorcycle insurance?

im 18 and am looking to buy a street bike to save on gas (i spend 80 a week now) the only thing im concerned about is insurance costs what are you guys paying???

Car accident! they didnt have insurance! what cam i do?

last monday i was on a car accident,,,,(t-bone colission) it was there fault...i had a green light...she turned left at a red!.....but they dont have insurance...i need money to fix my car.....what can i do....? they told me thy were going to get my car fixed,,,but now they dont want to pay....and the even want to sew me! the police officer told me that i had to sew them cuz they didnt have insurance! what could happen in court!? what are the chances that theyll pay for my car!!? i live in texas....thanks""

Cheap auto insurance for college student?

cheap auto insurance for college student? thanks!

Car insurance Expired?

My car insurance will expire 12:01 am Friday. I owe a past due balance and also....for me to renew the total would be 353.00..I don't have the money so im thinking about just letting it expire and going with someone else. Will that balance go into collections?

""Does car insurance go down when you move to a different state, if so how do i lower mine? (see details)?""

I used to live in LA and my car insurance was 46.00. Well, I went to progressive and did a quote with my new address which is in TX and my car insurance quote is for 26.00. How do i go about getting these new rates since I no longer live in Louisiana.""

How Much Would My Car Insurance Be?

I'm 17 years old, I'm a guy, it's my first car and it's most likely going to be a 2004 Impala or a 2000 Lincoln Navigator. I'd most likely be on my mom's insurance. Could you guys give me like a general estimate of what I could expect to pay a month. Thanks in advance.""

Help with comprehensive and collision car insurances?

For example, if someone got their tires slashed, does this fall into the comprehensive car insurance category? And do you have to pay a deductible just like when using collision insurance to pay for damages?""

Car insurance for a 16 year old in miami?

how much do you have to pay monthly??year??

If you buy life insurance in the US why is it illegal for companies/brokers to give rebates(legal in Ireland)?

I'm thinking of getting a life assurance policy for say 10 or 20 years cover, just incase I kick it my spouse will have a little nestegg. Found a broker who offers ok prices, cheapest I could find, and the broker offers a 75% cash rebate by cheque in year one once you pay in full for the year or in the 13th month if you pay monthly. Some companies - aside from brokers - also offer rebates, although not as generous. Now how can this broker afford to do that? Does he get a commision from the company we get our policy through, like an affiliate bonus for signing up new clients and is he then using part or all of this bonus to cover the rebate to us? Works out well for us regardless but wondering why it's illegal in the US? Thanks.""

Car insurance $6000!?!?!?

I'm 18 years old, have a clean driving record, and i drive a 2007 honda civic coupe. My name is insured on my parents honda pilot and lexus 350(suv). For some reason my insurance (for myself only not including famly) is around 6000. is this right? i'm under AAA and they said its going to be this expensive with any insurance company. I have 2 way coverage and and $250 deductable. Can someone name some other company that charges significantly less with coverage and a deductable just as good. Links and sources would be appreciated also""

What is the cheapest motorcycle insurance in California or Los Angeles?

Is it more affordable to use a car or motorcycle in terms of gas saving and insurance? I am new to US. I want a reliable answer please.

Can I still use my mom's health insurance?

My Mom has Anthem Blue Cross SISC III. I am married but 19 years old, and under the Affordable Care Act, children 26 and under are still supposed to be covered, married or unmarried, unless the adult child has another offer of employer-based coverage . My husband is a Marine, so I have the option to use Tricare, but I do not have my OWN employer-based coverage, so can I still use my mom's insurance? Her insurance plan is a lot better than Tricare.""

Car incurance for a seventeen year old girl ?

heyy, my daughter would be able to drive in the summer when shes seventeen, how much would it cost for her insurance if she is put under my name (share car with me) price range from a peugeot 206 to a small BMW would be appriciated if possible? many thanks for your time and help""

94 firebird formula v8 insurance rate?

I'm turning 16 and I am getting the 94 firebird out of the garage. how much do you think it will cost for insurance for me? and how much do you think it would cost under an adult insurance rate?

Where can i buy cheap car insurance?

Hello. Im 18 years old and im looking to buy car insurance for a Vauxhall Corsa 1.2 sxi 60 plate costing about 8000. I passed my test last year April 2010 and have not driven any car so i have no NCB. Where can i get cheap car insurance for around 1000-1500?

Cheapest car insurance for a 18 year old female?

I have recently passed my driving test and all my quotes are coming up as 9,000 all the way to 30,000 which i dont think is normal. I know that insurance for teenagers is high but what is a average price I should be looking for and what websites will I find a decent quote? I have a 2002 vauxhall corsa 3 doors. I have tried all comparing websites which have given me the prices above and all 'black box' companies will not give me a quote as they are 'not available' to. Any help will be appreciated :)""

""Is there any health insurance programs, other than Medi-Cal or Medicare to help the nearly indigent in Calif.?""

Is there any health insurance programs, other than Medi-Cal or Medicare to help the nearly indigent in Calif.?""

Want the cheapest and most affordable insurance in Florida (Tampa) !!!?

He guys, I'm 19 years old and just received my driving license this week. I want to insure my car that I just bought recently , would someone tell me a name of a company that offer an affordable insurance for student ? Just to let you know , some people say that there is no differences between insurance companies prices. but actually that is WRONG !!!>>>>> Some companies try to get customers by cheap prices > please let me know if you have experiences this situation.""

What is the best and most affordable whole life insurance i can get for my mother who is 77?

what's the best and most affordable whole life policy i can get for my mother who is 77 and has numerous health concerns?

How much should I expect to spend on full coverage auto insurance on a 2013 Cadillac Escalade ESV Platinum?

I am 15 years old, my grandfather is buying me a 2013 Cadillac Escalade ESV Platinum ($85,000 MSRP) for my 16th birthday. My mom told me she would only put $200 per month towards insurance and I want full coverage. I know I will have to get a job to cover the rest of the insurance but I'd like to know a range of what other people are paying for theirs. The car is going to be in my mom's name who has never had a ticket or accident and I will be on her insurance policy, does that help? I know nobody can tell me for sure what my insurance rates would be, so can you at least tell me what yours are (if you have a Cadillac Escalade ESV)?""

What is the difference between term/whole life insurance vs accidental death insurance?

I'm trying to buy life insurance for myself and my mother. I read up on this survivorship insurance which sounded pretty good since I wanted something for my mother if I were do die first and vice versa. but most of the online quotes I saw were between spouses... But I got confused when I read about accidental death ins- does this mean I will not be covered if I die of an illness or old age- but instead must die of an accident such as auto or slip and fall?? secondly, would I get taxed on the interest earned on the universal/whole ins or when the policy is paid out/ surrendered?""

Cheap car with cheap insurance?

Im 18 and Ive just passed my driving test and im looking for a good car for around 2500. The cars with cheap insurance are more expensive and the cheap cars have a relatively high insurance cost. The budget for the insurance is not set but I don't want to pay a ridiculous price. Any suggestions on a perfect car which is in my budget but with a low insurance cost? P.S. I understand because im young the insurance will be expensive but if anyone has any advice on how to get cheaper insurance please let me know.

1992 BMW 850I CALIFORNIA INSURANCE PRICE?

IM 19 YEARS OLD I PAY $115 FOR MY TOYOTA MR2

Does late payment on car insurance affect credit?

just wondering if a late payment of a bill....say my telephone bill, or car insurance affect my credit?""

Do union workers at car companies really make too much? Is health insurance a factor?

What is the difference between america and Japan? How much do Japanese workers make and what type of health coverage (if any) do they get?

Glenwood North Carolina Cheap car insurance quotes zip 28737

Glenwood North Carolina Cheap car insurance quotes zip 28737

https://www.linkedin.com/pulse/affordable-dental-insurance-your-family-jose-michaelson/"

[mnranger5]

A Grand Canyon HIKING ADVENTURE to FALL for, Phoenix & Supai AZ, 5/11/18 – 5/16/18

Webster’s Dictionary gives us the following definitions:

HIKING - to take a long walk especially for pleasure or exercise

ADVENTURE - an exciting or dangerous experience

1a. FALL (for) – to feel a strong attraction for  

1b. FALL - to come or go down suddenly from a standing position

So basically, if we combine them, Webster’s definition of our trip would be either:

Jake takes a long walk for pleasure in an exciting and dangerous environment that causes him to feel a strong attraction for the Grand Canyon.

Or

Jake takes a long walk for pleasure in an exciting and dangerous Grand Canyon that causes him to suddenly go down from a standing position.

Both are equally true descriptions of our hike into the Grand Canyon.   There is no doubt, this adventure into the middle of the desert was well worth the battle scars it left me.

Prologue

On our Arizona trip in March of 2017, Dyan got the idea she wanted to hike into Havasu Falls.  Of course she did.  Let’s tackle the most remote area of the United States for our first big hike…  I agreed because it sounded like fun.  Never in a million years did I think we’d actually follow through with it…

A few months later.  Dyan brought it up again.  We watched YouTube  videos and scoured Instagram.  There is this familiar feeling I get when I know Dyan is about to impulsively do something.  I was getting that feeling.  I was still uneasy about this whole thing.  There seemed to be many obstacles that were working against us.  Permits were difficult to obtain.  We didn’t have all the necessary gear required to backpack into the wildness for 3 days.  We didn’t have the experience of overnight backpacking.  With us being out of state, the convenience factor was a big challenge – we would need to fly our newly purchased gear to AZ and then worry about transportation to/from the trailhead.  And I wasn’t all that intrigued at the idea of hiking into uncharted territory with 80lbs of crap on my back.  For every cold shower I dropped on the idea, Dyan countered with a remarkable picture of the majestic falls.  It’s so beautiful, we would both say to each other, like a broken record. Dyan continued to rabbit-hole here and there, as she conjured up the perfect plan

And in the fall, it got real.  Really real.  Dyan was hook, line and sinker on Havasu Falls.  I was excited, but still skeptical.  Then, she calmed my nerves when she found a guide company named Wildland Trekking.  This company offered full service all-inclusive hikes in-to and out-of Havasu Falls, along with dozens of other places across the globe.  Wildland had a glowing record on TripAdvisor and each review gave a gushing recount of how spectacular the guides made the trip.  Based on the services they offer, they are the premier guide in the region.  They would take care of our permits, supply all necessary gear, prepare every meal and take care of roundtrip transportation to/from Flagstaff.  Game changer.

In February of 2018, we made our first deposit on the trip and booked our airfare.  We were going to Havasu Falls.

May 11, 2018

We caught the early flight into Phoenix, departing Minny at 7AM.  It was a super nice flight once we finally got out of the thunderstorms over Minnesota and South Dakota.

We arrived, got baggage, then hurried over to the rental car facility.  We had never rented with Sixt before, so I was not sure what to expect.  I had found a good deal on a pre-paid CLA and was pumped to drive a Mercedes for the first time.  Sixt’s check-in process was a bit confusing  as there is a large orange Sixt sign taking you into the car-pickup garage.  Only problem is, by following that sign, you skip the reservation counter.  So I backtracked.  Luckily, there was nobody in line, so the process went quickly.  However, there was an issue with the car we reserved.  The gal who checked in just before me got the last Mercedes CLA.  My only option in a lesser class was a Mercedes station wagon.  Or, for an extra $105, they would put me in a cool Volvo XC-60 SUV.  The SUV was more our style!

It was only 10AM by the time we were on the road heading north.  Our only commitment for the day was meeting our trekking group for the orientation at 5PM in Flagstaff.  We had the entire day to do whatever we wanted.   As we wandered north on I-17, the traffic was heavy stopping several time for no apparent reason.  Must be Phoenix folks heading north for the weekend?  As we neared Sedona, we noticed sign for Cliff Castle Casino.  Dyan won big at this casino last year.  I sensed a pit stop.

We treaded water on the new Buffalo Stampede machines for 30 minutes.  I finally told Dyan we need to find the old Buffalo machines.  We found a bank of them in a dark corner.  Within 5 minutes of playing, I hit the free spin bonus.  Then a retrigger.  Another retrigger.  By the 6th retrigger it was getting obscene.  I ended up getting about 60 free spins which gave us a cool $183 of vacation spending money!

We continued north, with a quick pit stop in beautiful Sedona.

It was hot, in the 90’s and the wind was blowing like a hurricane.  We decided to grab duck and pork street tacos at 89Agave.  We started out sitting on the patio, but the wind was blowing the chips off the table.  We finished lunch inside.  This restaurant had been so good on our last trip.  The tacos didn’t live up to our previous experience, so we’ll probably find a new restaurant to eat at next time we are in town.  

We arrived in Flagstaff around 2, and got some errands taken care of like REI for water bladders and Walmart for snacks.  Then we checked into Flagstaff’s finest, Motel 6!  Anybody who knows me knows that I like nice hotels at bargain rates.  But when we were looking for a single night stay in Flagstaff, all the nicer hotels were running $350-$450 per night.  Seriously?  No thanks.   We later found out that it was Northern Arizona University’s graduation weekend, so hotels were charging a big premium.  We were planning to check out of the hotel at 4AM, so spending that kind of money for a few hours of sleep was not something that interested me.  The Motel 6 was only $125.  Sold.

Our group orientation was at 5PM.  Dyan and I were a little nervous going into this meeting.  Not sure why?  We were about to meet our friends for the next three days.  The people we would hike, eat, sleep and laugh with.  All we wanted to do was fit in with the group.  Shortly before 5:00, we walked into the Little America Hotel for our orientation.

Enter Nick London and Michael Remke into our lives.  Nick greeted us at the door with a big smile and a warm welcome into the ball room where Michael and the rest of the group was seated.  There was six couples.  We went around the circle doing introductions and favorite ice cream flavors.  

First up was Susanne & Mark, from up in the hills of Colorado.  Susanne is an athlete in every sense of the word, competing in triathlons and hikes with her kids  while Mark cheers them on from the golf course.  They were absolutely good stuff.   When they were registering for this hike, Susanne sent the application to Mark and he listed every possible medical complication he could come up with (even being born c-section) in an effort to be deemed unfit to participate in the hike!  Hilarious.

Next up was Amy and her mom Debra.  They were coming from a chilly climate similar to ours being from Niagara Falls, Ontario.  Debra wanted to do a big hike, and her daughter, who is a nurse, was the only one who would volunteer to go.  We’d later find that Amy had recently returned from a backpack excursion to Machu Picchu!  A destination on Dyan’s bucket list.

Ty and Christina live in the Houston area.  They vlog, travel and stay busy with their numerous puppies and dance competition company, Streetz.   Ty and Christina had some remarkable travel stories as well as a planned trip that sounds absolutely amazing – The Giraffe Manor in Kenya.  Jealous.

Whitney and Justin, from Wichita, Kansas, almost weren’t in our group due to reservation mix up with the 4-day hike.  But we are so glad they found their way into our group and did the hike with us.

The second mother daughter combo of our group was Kassandra and Bella.  While they could not be at the orientation, we later found out they came in from Long Island New York.

Michael, a jack of all trades seemed to have done everything at least once in his life.  A PhD candidate, accomplished photographer, avid mountain biker, storm chasing (I think he said he did this?) and wildland fire safety are just a few of the things he balances when he is not guiding hikes into the Grand Canyon.

And last was Nick.  A native of Boise, ID, he roamed God’s country, sometimes in Alaska, sometimes in Arizona and lot’s of time in Yellowstone.  Living out of their truck, his girlfriend and him travel beautiful country and make a living doing what the rest of us do for vacation.  I like to think I am living the dream. But the truth is, I am just making a living to live out a 3 day dream in the Grand Canyon.

My favorite part of the orientation was the discussion around food and snacks.  Everyone got a chuckle out of Nick’s spiel about snacks and being able to trust their guides!   Michael and Nick had bought tons of snacks for everybody to pick from which was awesome, except for Dyan and I had just bought way too many snacks of our own at Walmart.  After the meeting, we joked about starting a snack black market in the campground since we had an insane amount of snacks.

After the trip details were discussed, we did a quick day pack fitting.  The packs were brought back to our hotels so that we could stuff them with the things we wanted for our hike – water, camera, hat, sunglasses, jacket, water shoes and swimsuit.  All of our other clothes, food/coolers, sleeping bags, tents, etc would be hauled down to the campsite on mules.

At the conclusion of the meeting, we were told to meet back at the Little America Hotel at 4:45AM.  From there we’d all hop in the van and take off for the Grand Canyon.

From our dingy hotel room that night, we finished last minute preparations for the hike and got all the cameras charged – the GoPro, Cannon and Nikon.  I even shaved my beard for the big adventure!

May 12, 2018

Four o’clock came early, and when we were moving our luggage out to the car, the chill in the air hit us.  It was in the 40’s and gusty once again.  We were the first to arrive at Little America, and as we waited in the parking lot, we both laughed about the doubts we were having regarding this adventure!  We had no relevant hiking experience.  My most recent physical activity was shoveling the late April snowstorm.    My hiking boots had never been worn and I was certain I would have blisters 15 minutes into the hike.  Had we bitten off more than we could chew?  At least we had snacks.  Lots of them.

Nick & Michael rolled up a short while later and we all slugged our way into the van.  We were on the highway by 5AM.  No turning back now.

At 7:30, we rolled into the outskirts of Seligman AZ and had a quick breakfast of bagels, fruit and yogurt which was provided by Nick & Michael.  

Then we made a slow drive through Seligman (Radiator Springs) which is the sleepy tourist town that the movie Cars is based on!  Super cool!

From there, we had another hour and a half drive through the middle of the high dessert.  On some of the reviews I read, this road was famous for cow dodging.  It’s true.  There were cattle all over the road.  Making that drive at night could get kinda dicey.  Our group was dozing on an off, occasionally being jolted from their sleep by the cattle grates on the highway.

And then, at 10AM, we rolled up on the trailhead of the Havasu Falls, perched high above the Grand Canyon.  

The breeze was strong, and chilly.  But the excitement of the moment pushed aside any discomfort from the cold.  

Michael and Nick spent about 45 minutes getting all of our camp gear ready for the mules and getting all 12 of us hikers ready for the trail.  

(From left to right, Ty, Isabella, Kassandra, Christina (kneeling), Amy, Debra, Mark,Susanne, Dyan, myself, Whitney and Justin.)

They fitted us with walking sticks, which were a godsend for the steeper downhill portion of the hike.  The trail to the campground (nestled between Havasu Falls and Mooney Falls) is 10 miles, with a total elevation drop of 2,400 feet.  Around 11AM, we took our first steps on the trail.

It’s fairly well maintained but there is an abundance of loose gravel, chunk rock and sand that you do need to be careful navigating.  Wouldn’t want to bust an ankle…

The first mile and a half is a series of switchbacks descending abruptly into the canyon.  Nearly half of the total elevation of the hike is accounted for in this section.  Our crew, led by Michael, and tailed by Nick, made quick work of the downhill and got into a good pace as the canyon began to flatten out.  

Every 45 minutes of the hike, there seemed to be a group of mules or horses trotting to or from the trailhead saddled with all the gear nobody particularly cared to carry.  

They kicked up a tremendous amount of dust.  The dust is one thing that was never mentioned in any of the reviews.  The dust was overwhelming at times.  We were all covered in dust as we lumbered our way into the canyon.  Those brand new hiking boots didn’t look so pristine anymore!  

And speaking of the boots, by the time we stopped for lunch a couple hours into the hike, they still felt great.  No blisters!

One of the concerns I had coming into the trip was food (hence the reason we had so many snacks!).  I can be a picky eater…give me meat, and give me potatoes and I am happy.  So I was pleased to see that Nick and Michael prepared a lunch of summer sausage, a variety of Triscuits & cheeses as well as sliced apples.  There was hummus and green peppers too, but I made sure to save those for the others!  And the food was plentiful.  I am pretty sure everybody had multiple helpings and there was still food left over.

After lunch, we hiked on a mission.  

Beautiful rock formations jolted up toward the sky and the flowering ground cactus were in full bloom.

At 2:30, we reached the iconic “You’re Almost There” sign for Supai Village.

We were getting close!  But when we reached the village, it was a pretty sobering sight to see.  The setting - fertile green grounds beneath the red rock canyon - was beautiful, but the lifestyle on this reservation was likely a different story. While there were some homes, many of the dwellings were shanty-like.

There are no vehicles, other than the tribal police ATV.  Transportation was horseback, or walking.  Horses ate the trace amounts of grass in their pens and parked themselves under the shade of trees.  

Being one of the most remote locations in the United States, their connection with the outside world would appear to happen through tourists/hikers walking through their village.  Probably a life without the materialism that plagues the rest of us but rather a life that appreciates smaller things.

In the village, we bought a few Gatorades for $3.50/bottle and an ice cream snickers for $3.00.  We all changed into swimsuits for the remainder of the hike – the waterfalls were near.  We continued out of the village on a snaking path next to the turquoise blue creek.

Around 3:30, we reached our first waterfall, Fiftyfoot Falls.  

We were all tired, and it was getting hot.  Can we please just stop at the falls….maybe dip a toe in?  Michael and Nick wanted to push ahead. Just a few steps down the path, we came upon Navajo Falls.  

Holy Gorgeous!  This must be where our guides intend to stop.  Right?  Nope, we kept walking.  What the group didn’t know is that our guides were planning to bring us back here the following day.  I’ll admit, I was a little bummed at the time because I thought we were passing these amazing swimming holes.

For about 3/4th’s of a mile, the descent is fairly significant.  It’s all sand and silt.  Honestly, it was the most difficult portion of the hike in my opinion.  Sand just isn’t fun hiking in.  We came up on a very steep decline in the path.  We could hear water rushing just a short ways away.  Michael and Nick pulled the group together.  They gave us a quick spiel about how we had reached Havasu Falls and that we were all about to go crazy over the beauty that lies just ahead.  We were told to meet at the campsite in about 90 minutes.  For now, we were free to explore Havasu Falls. With that, we moved down the path about 100 feet.  The level of anticipation was 10 out of 10.  After 5 hours of hiking, the trail finally  opens up to jagged canyon walls, as orange as a sunset, jetting up into the sky.  Thick, lush, green vegetation covering the canyon floor. And then there is the centerpiece.  A brilliant, turquoise waterfall plummeting nearly 100 feet over the limestone and travertine formation into a pool below that resembles the Caribbean more closely that the desert.  

Havasu Falls is possibly the most gorgeous waterfall on the planet. Pictures cannot do it justice.  The sight is so much more powerful than I ever imagined.  

No amount of research can prepare you for the feeling you will have when you turn the corner and see Havasu Falls for the first time.  While the beauty is unrivaled, part of the allure of this spectacular fall is the difficult journey a person must take to reach this destination.  You don’t just wake up one Saturday morning and decide you are going to go visit for an hour.  

This is a destination that takes a significant amount of planning, effort and commitment to reach.  Reaching the falls is so much sweeter because of the journey we all had to take to arrive at this point.

We made the descent down to the base of Havasu Falls.  The pristine waters were full of hikers enjoying the reward of their laborious travels.  We wasted no time joining the others.  The water was a cool 70 degrees, but it was the perfect therapy for my sore feet and muscles.  We explored the smaller cascading falls just downstream from Havasu.  It is an adult waterpark, full of coolers and inflatables.  The crowd was diverse from the 70 year old retirees to the 21 year old’s taking a late spring break.  There were even some kids, probably less than 10 years old, but not too many.

With a few minutes to spare before we were supposed to congregate at our campsite, Dyan and I took a tour of the campground wandering down the riverside paths.  There was an abundance of remote camping sites with private beach/entries into Havasu Creek.  Many of the camps looked like long term sites, as if the campers could have been there for several weeks.  One camper had a hammock strung across Havasu Creek.  He sat sideways in his digs while reading a book and dangling his feet into the water.  Killer setup.

Our camp was a large open area perched up about 10 feet higher than the creek!  The current in the creek below our tent was loud enough to drown out any activity in the campsite.  It was perfect.  While the others were getting nestled into the campsite, Dyan and I took the opportunity to swim in the waist deep creek that surged next to our tent.  There was some serious current!

Not only had Michael and Nick setup our entire campsite before any of us arrived, but dinner was also cooking on the camp stoves, and it smelled amazing.

The dinner menu was rice noodles with chicken, broccoli & carrots with sautéed peppers and onions.  I am not a big veggie fan - like at all - but I was hungry, and thought I would try everything (except the peppers).  To my surprise, it was delicious.  Like, I wanted seconds before everybody else got firsts.  And others were in the same boat.  At one point, we thought everybody had gotten a plate, so several of us went back for another helping.  As Justin was dishing up another plate, it struck me that Kassandra and Bella were not at the table, so I asked the question.  The four of us standing around the camp stove were mortified when we realized that we were helping ourselves to the last of the food and not everybody had eaten yet.  Apparently Michael and Nick had not eaten yet either.  Justin had a single piece of chicken on his plate that he tried his best to offer to one of our hungry guides, but they laughed the situation off before correcting it.  Nick retrieved additional food from a separate Wildland Trekking group.  Problem solved.  Each meal thereafter, we were all a little more cognizant of whether everybody had eaten.

Michael and Nick prepared coffee and cookies while several of us played Bananagrams.  I played in the first game and schooled all of my new friends!  Then I quit while I was on top.  Susanne, Kassandra, Whitney and Amy were really good.  Justin, who was watching from the sidelines, did a great job at heckling and officiating Whitney’s words!  When it was completely dark, Justin, Whitney, Dyan and I hiked using our headlamps back up to Havasu Falls to see the billions of stars come out above the silhouette of the falls.  Astonishing.  It was here I found out some bad news about Justin.  He is a Kansas State alum!  So much for him being super cool!  We retreated back to our quiet campsite and drifted off to sleep.

May 13, 2018

Sometime around 2AM, the wind picked up.  I don’t know how gusty it was, but our tent was flapping in the wind like an inflatable wacky waving tube man. 

This made sleeping tough for me.  Dyan’s night was a little worse.  Her inflatable air mattress had lost air at some point during the night, so she was basically sleeping on the hard ground.  We weren’t the only ones with a tough night of sleep.  Mark had the quote of the morning how he summed up his night.  “I slept like a baby.  I woke up every hour and cried.”  Everybody got a chuckle.    Mark’s air mattress had also deflated along with a couple of others in our group.  The troops needed a pick-me-up to start the day.  And we were about to get it.  There is a morning time smell that dominates over any other smell.  It is universally accepted as the smell of deliciousness.  If you guessed coffee, you’re wrong.  The aroma of coffee wafting through the campsite would be enough to perk up some, but not the whole group.  Michael and Nick needed something stronger.  Something that completely drowns out the coffee aroma if the two are being prepared side by side.  The only right answer is, BACON.  And it was sizzling in the camp stove pan.  It was being prepared along with orange slices and French Toast, complete with powdered sugar and maple syrup.  Seriously?  This was my kind of feast.  And there was plenty for second and third helpings.

Also super cool is that Michael and Nick always had gluten free versions of every meal prepared.  I won’t pretend to know what those options tasted like, but it was awesome that they were able to accommodate everybody’s food preferences.

We needed a huge breakfast because today was a big exploring day for us.  Right after breakfast, we headed to the top of Mooney Falls, the largest waterfall along the creek dropping nearly 200 feet over the travertine bluff above.  

There were signs posted that said, “Descend At Own Risk.”  

That sounds ominous.  Going into this hike, I, the guy who Dyan calls Mr. Cautious, had not given two thoughts to this portion of the hike actually being difficult, and possibly dangerous.  I shrugged the sign off.

The first portion of the descent involves a series of switchbacks where the path is generally three to four feet wide.  

In some spots, the path narrows to about 12 inches as you have to scoot past a narrow ledge.  

At this portion of the hike, even if you fall off the ledge, you are probably only falling 15-20 feet onto the switchback below.  Not certain death, but probably not a pleasant fall either.

After the switchbacks comes two blasted out tunnels.  The tunnels were much larger than I had expected, and chillier.  They were pitch black but had steps carved into the floor.  You couldn’t really see the steps, but if you go slow, it is a pretty natural and easy step down through the cavern.   

In between the two tunnels is a small jaw dropping overlook of the falls.  

It was here that Michael warned us about the next portion of the descent.  “Please secure all possessions to your body and put away all cameras.”  Wait, what?  This sounds like things could be getting serious.  Was the descent really going to be that challenging?  We were about to find out once we got through next tunnel.

We made our way through the final tunnel, and then out into the open.  What should have been a beautiful vista of the waterfall was upstaged by the cliff at our feet.  Chains had been fastened to the top of the cliff and makeshift footsteps had been carved into the side of the mountain.  There is no harness to clip into the chains.  There is no safety net.  It is just you, the chains, and the side of a mountain.  Dear Lord Jesus, please be with us!

Mike started scaling the cliff first, followed by Dyan.  I stood on the perch, Dyan just a few steps below me, and Christine and Ty just exiting from the dark tunnel behind me.  There were people in the water below me, enjoying the waterfall.  They looked like ants from where I currently stood.  Oh how I wished I was already at the bottom.  I held it together, but I was freaking out on the inside.

Here we go.  I turned around, facing the wall with my back to the falls.  I gripped the cold chain.  It was heavy, sturdy, and surely looked as if it had been there for at least 100 years.   I took my first step down, sliding my hands down the chains.  Then the next.  My clumsy body was slow and I started searching with my foot for the next step.  I couldn’t find it.  Crap.  Keep it together.  I searched again.  I felt a ledge, but it was small.  Maybe that’s where my foot was supposed to go?  Just as I was about to put pressure on the ledge and take a step, I felt a hand touch my boot, pushing my foot off the ledge and to the right about 8”.  It was Dyan, guiding my foot to the actual step.  I felt so uncoordinated.  Dyan knew I needed some help, and started telling me where each step was.  I tried my best to relay that information to Christina who was hanging off the wall just above me, but I am not sure how well she could hear through my shaky voice.  Dyan guided my every step for the first 25 feet, but then was asked by Michael to scurry down the mountain so he could help the rest of us.  Apparently Dyan climbed the wall like Spiderman and didn’t need anybody’s help.

About halfway down the wall, Michael’s suggestion was to climb to an area outside of the chains.  In my head, I was like, “Are you nuts?!?”  He said it was the easiest and safest spot to climb.  Who am I to question the expert.  So I did as he asked.  I was literally climbing a mountain wall at that point.  All hands, and feet, securely on the rocks.  No chains.  For a fleeting moment, I felt like a badass climber…

Until I didn’t.  Which was just seconds later, when Michael warned me that the remaining 60 feet of descent would be wet from the mist of Mooney Falls.  Geez, are we were climbing down to Hell?  I cursed myself up and down for not wearing my hiking boots.  Earlier that morning, I made a very poor decision when I opted for a rather pedestrian pair of non-gripping sandals.  

I seriously began to wonder if anybody had ever slipped and fallen, ricocheting off the jagged edges to the most horrific and bloody death known to man.  

Jake, snap out of it!  Get yourself down this freaking wall.  I took a step with my fashionable sandals and slipped momentarily on the wet rock.  Yep. It’s definitely slippery.  My face was soaked, a mixture of nervous sweat and mist.  I wiped the moisture from my eyes, accidentally smearing a wet metallic residue from the chain all over my face.  Gross.  Slowly I progressed down the wall, and then finally made it to the ladders.  Once you get to the ladders, you are in the home stretch.  One rung at a time, I scaled the slippery ladders, all the way to the bottom.  And then I heard Dyan’s sweet voice, “One more step babe.” My right leg, came off the rung, and squished down into the wet mud.  As my other foot swung around to the ground, I slipped, and went down hard on my butt.  I was a muddy mess, but I made it to the bottom!  While the climb seemed like an eternity, it probably took about 20 minutes to go top to bottom.  Dyan was waiting at the bottom with a huge hug and a video camera, interviewing me with questions about the hike.  I was literally shaking, overcome with joy and a sense of accomplishment.  Although, an accomplishment I never needed to do again.  I was ready to start gathering food and setting up camp.  Let’s stay a few weeks, or years.  I had no interest in ever going back up that wall.  Once our entire group made it to the bottom, I found Michael and thanked him for the help.

The power of Mooney Falls is unrivaled.  From the pool below, the teal water looks as though it’s being catapulted from the sky above.  The roar of the falls sounds like a jet engine echoing in the canyon.  The water fall hits with so much force that you can feel the undercurrent pulling you into the falls.  We didn’t get too close, but close enough to feel the extreme power of this natural wonder.

The pool empties into a couple of different shallow wading areas with smaller cascading falls that you can swim behind.  Bliss.

After spending an hour at Mooney, Michael and Nick took us on a short hike to one of their favorite locations in the area, although I don’t recall the name.  It is a very narrow canyon which has a natural spring at it highest point in the wash.  

It’s also here that there are boulders the size of semi-trucks that have fallen into the canyon through years of erosion.  Michael and Nick wanted us to climb through the smallest crevice (green circle) between the boulders and pull ourselves up on top of the rocks.  

M’kay.  Second stunt of the day that was outside of my comfort zone.  The guides helped each of us through the tiny opening and expertly told us exactly where to position our feet and hands.  Getting to the top of the boulder ended up being pretty easy, and the view from the top was really cool.

After a quick snack, it was time to hike again.  We climbed down through a smaller opening (red circle) in the rocks and made our way back to Havasu Creek.  We went further into the canyon, when nature called.  While the rest of the group carried on about 100 yards ahead to the most beautiful wading pools, I ventured off the trail about 30 feet to a ravine.  There was sharp thorny bushes covering the ground scraping up my shins.  This sucks.  The ravine was about 6-8 feet deep and probably bursts with water rushing into the creek during flash floods.  But it was dry as a bone today.  I walked up just behind a shrub on the edge of the ravine when suddenly, the silty ground gave way beneath me.  I dropped like a rock into the ravine.  My right foot hit the bottom first, cranking violently to the inside.  There was a definitive pop.  Then the shear pain.  I was sure I broke something.  My mind was spinning as I floundered in the middle of the ravine.  Did this really just happen?  I needed to calm down and think.  How was I going to get out of here with a broken ankle.  Nobody will hear me if I call for help.  I have really gotten myself into a mess.  The irony of the moment was not lost on me at all – I had scaled a hundred-foot wall without falling, but couldn’t manage to take a leak on the edge of a ravine without a catastrophic fall?  The ravine was fairly narrow, so I was able to steady myself standing up, balancing against the walls.  Now, how do I get out?  I grabbed the shrub I had originally intended to use as my privacy and pulled myself up the ravine wall.  I began crawling through the woods, but all of the thorny bushes were cutting me up.  I had to try and stand, and limp out.  I used a small tree to help me stand up and put a little it of weight on my ankle.  Damn, it was bad.  But I had no other choice.  I hobbled out of the woods and down the trail toward the rest of the group.  Do I tell anybody, or keep this to myself?  I was super embarrassed, I walked along the water’s edge slipping and falling a couple of times due to the pain.   Most of the group looked as though they were ready to head out but a few were still in the water.  I pulled Dyan aside and told her I fell hard on my ankle and that I thought there was probably some damage.  She couldn’t believe it and wanted to tell Michael and Nick, but I stopped her.  I didn’t want to ruin the fun for the rest of the group and have to go back to camp early.  Let’s try and get through the afternoon and see how it feels later tonight…  If only I had taken the signs more seriously.

The group packed up and we hiked back up the creek toward Mooney Falls.  

Although, we took a different route, doing much of the hike in the creek itself.  The cold water felt really good to my ankle, and it allowed me to put less weight on it which was helpful.  

Along the creek we passed small waterfalls dumping spring water into Havasu Creek.  

With all the lush vegetation and waterfalls, it resembled more of a tropical rain forest than the desert.

The group stopped at Mooney Falls for another hour.  

Dyan and I soaked in the swimming pools for as much of the time as possible.  

Justin and Ty used the rope swing to crash into the lower pool.  It sure looked fun, but I wasn’t going to do any jumping in the condition I was in.

Then came the moment I had been dreading.  The climb up the rock wall at Mooney Falls.  I had a hard enough time getting down, but now throw in an injured ankle, a successful ascent was questionable at best.  But it’s the only way up, so her goes nothing.

I went first this time, with Dyan just behind me.  

Every step was excruciating pain.  I pulled with my upper body on the chains more than I pushed off with my ankle to reach the top.  The climb to the top went much quicker, but would have been much easier had both my ankles been 100%.  Nevertheless, it was uneventful, in a very good way.  We made it to the top.  I instantly, felt better.  Even my ankle felt a bit better at the top.

Once we reached the top, Debra told a remarkable story that she had recently overcome a fear of heights.    Overcoming the challenge allowed her to do this hike and scale a 100’ wall.  What a super cool moment for her!

Dyan and I hobbled back to camp, ecstatic that we survived such an amazing adventure, but the condition of my ankle weighed heavy our my thoughts.  Dyan suggested we hang out at camp the rest of the afternoon, but I wasn’t going to the a party pooper.  We were going to go exploring with the rest of the group.

Our next stop was Havasu Falls.  

At the base of the fall, Nick and Michael prepared an awesome chip/dip lunch of ingredients that I don’t usually even like.  There were tomatoes, avocados, odd looking beans, cilantro, limes and other ingredients.  I was certain that chips was the only thing I would be eating for lunch.  But I went ahead and tried the freshly made dip.  Need to keep an open mind, right? To my surprise, it was delicious.  I ate two full bowls!  I give these guys props for getting me to try new things outside of my traditional comfort zone.  

At the end of lunch, Nick drew the short straw and took all the dishes back to camp to wash them.  

Michael on the other hand took the rest of us on a two mile hike back up the sandy trail to the falls we skipped yesterday, Navajo Falls and Fiftyfoot Falls.  These swimming hole were remarkable.  You could swim right up next to Navajo Falls and stand in it, or jump off of the huge rock formations in the middle of the pool.  Justin, Whitney and Dyan jumped off the rock, but I elected for no additional trauma to my throbbing ankle.  Mark, Susanne and Bella also joined us at the pool and took a ton of pictures.

We then headed up to Fiftyfoot Falls which resembled a Costa Rican rainforest.  This was probably our favorite of all the falls.  There is a huge swimming pool at the base of the wide falls.  While the force of the falls is powerful, you can swim behind the falls.  Crazy cool.  Justin, Whitney, Dyan and I were the only ones in the deep pool and we were all bummed we didn’t have a waterproof camera.  Then from around the corner swam Kassandra, Bella, Susanne and Mark.  And, Kassandra and Bella brought their waterproof phone cases with them!  They snapped pictures of all of us in the falls helping us to preserve that memory for the rest of our lives.  Thank you.

We then hiked two miles downhill back to camp where Nick had already started dinner on the camp stoves.  Rice noodles with pesto sauce.  Once again, pesto is not my thing, but the way it was prepared, I ate every last bite.  Delicious meal.  For dessert, Nick rolled out a Mother’s Day special of chocolate fondue with sliced strawberries and bananas.  Wow!  Who would have guessed we’d be eating chocolate covered strawberries in the Grand Canyon!

Once again, we huddled around the picnic tables playing Bananagrams.  Except, Justin threw a twist into the game suggesting the only words that could be played had to be centered around a theme, like camping, hiking or adventure.  What a hoot!  I kept exchanging my letters to jokingly spell help or helicopter.  My pain was so bad I figured I need one or the other to help me get out of the canyon on the hike in the morning.

We all planned to retire early because our 5AM hike was going to come quick.  As everybody was getting ready for bed, I carefully took the boot off of my ankle for the first time since return from the falls.  It was swelling up like a balloon and significant bruising was forming on the outside.  Finally, Dyan convinced me to tell Nick about my fall.  I hobbled over to the picnic table and called to Nick who was getting some things packed up for the morning.  I told him the story about falling into the ravine, and he kind of chuckled, thinking it wasn’t going to be too bad since I had walked on it the rest of the day.  He flipped on his head lamp and examined my foot. 

“Wow.”  Was is first remark.  “Dude, you have like 30% swelling in your ankle.”  Yeah, tell me about it!  “How did you walk on this all day long?”  Nick grabbed a couple of frozen water bottles and had me ice it for 20 minutes and then he put a bandage around it.  Told me to keep it elevated overnight and then we’d ice it again in the morning.

May 14, 2018

We were all awake by 3AM.  We needed to get as much of the hike out of the way with before sunrise.  Nick took another look at it in the morning.  The bruising had worsened on the outside of my foot, and started on the inside of my foot.  “You need to get this looked at when you get out of here.  You could have some structural damage.”  Just what I wanted to hear before a 5 hour uphill hike through the desert.  I iced my foot while everybody else had an oatmeal and coffee breakfast.  Around 5AM, I had my boots on, and we were ready to break camp.  The pain was tremendous.  Each step felt like bones shattering in my foot.  I had little range of motion with my ankle.  I was in rough shape.  But I was going to try to hike myself out.

Supai Village was about 3 miles away.  That three miles is a steep grade uphill, in a trail of mushy sand.  I am not sure there is a condition that could have been any more uncomfortable on my ankle.  But we pushed forward.  Nick stopped about halfway to the village.  “Jake, how are you holding up?”  I responded, “Let’s keep moving.”  I didn’t want to slow the group down.  They were hiking on a mission.  But my ankle was not going to make it to the top of the hill, at least not hiking.  When we reached the village, Dyan could tell I was in significant pain.  As a last resort, she asked Michael if the helicopter out of the village would be an option.  Michael and Nick huddled up with me in the town and assessed my ankle once again.  They too agreed with Dyan that I should probably take the chopper out of the canyon.

However, this would present some possible logistical problems. It was about 6AM.  The chopper didn’t begin transporting until 10AM.  First priority is given to those who live on the reservation, so if many of those who live in Supai needed a ride out of the canyon, we could be waiting for a significant part of the day for our turn.  Luckily, Dyan and I we were near the front of the makeshift line that was forming.  Hopefully we’d get on an early ride.  Another potential snafu was if the helicopter decided not to fly, which we were told does happen frequently.  Dyan and I would be forced to rent a room at the Lodge in the village.  Hopefully they had vacancy!  The worst part was not knowing when we would reach the top of the hill.  It would be humiliating to know that our group just hiked their heart and souls out to get to the top of the hill and then had to wait in a hot van several hours for us to arrive by helicopter.  Just shoot me now if that happens.

As the group gathered at the edge of town to continue their hike to the top, Nick left us with one suggestion.  Make sure that when the guy with the clipboard shows up at 9AM to create the official passenger list, be as assertive as possible to get at the front of the list and on an early flight.  Being assertive is critical.  Luckily I have Dyan for that!

The minutes ticked by, quicker than I would have thought.  The makeshift line for helicopter lines started getting longer.  There were hikers that came to the front of the line asking the same two questions, “Is this the line for the helicopter?” and “Has a sign up sheet been started yet?”  Nope, no list yet, and the line starts way back there…past the benches, and the tree, and around the corner to the restaurant.  Everybody asking was so kind.  It appeared to be setting up in a very orderly fashion.  I am not sure there was really a need to be assertive given the nice line that was forming.

Around 7AM, the village store opened and Dyan stopped in to grab me a quick breakfast.

Diet Pepsi, how I’ve missed you.  And the freshest mini donuts I have ever had.  How does a place in the middle of nowhere get super soft donuts?  Baffling.

Around 8AM, the village was waking up.  Kids appeared to be on their way to school with backpacks in tow.  Dogs were exuding their dominance running round playing with each other.  The village sheriff moseyed by on his ATV.  Mules hauling gear traipsed by.   More and more people were joining the helicopter line.  Around 8:30, we heard a chopper in the distance and started getting excited.  The helicopter was starting early!  But there was still no list?

The helicopter landed on the pad and several villagers exited the fuselage.  Two other villagers jumped aboard and the helicopter was gone in less than 5 minutes.  I turned to Dyan, this must be a good sign, right?  They are getting the tribe passengers out of the way early so hopefully can start with the civilians right at 10, or sooner!

We waited, and waited.  It should only be a 15 minute round trip.  But the chopper wasn’t returning.  At 9AM, a couple of the natives came over the he helipad.  One with a clipboard.  The beginning of the line all stood up single file, orderly, but within 30 seconds, pandemonium broke lose.  Everybody at the end of the line flooded to the front, creating a circle around the clipboard.  So much for their politeness.  It became a mad scramble.  I sent Dyan up with the Visa card, and cash.  Glad we had both.  While they supposedly take Visa card, today they were only accepting cash.  Dyan paid $170 to be passengers #6 & 7 in line.  Sweet.  Just then, two helicopters showed up.  The passenger carrying helicopter took a mix of natives and civilians to the top.  The second helicopter appeared to be freight carrying only.

The guy collecting the cash for the helicopters randomly stopped taking cash and put the list away – which really ticked people off still waiting to sign up and pay.  He had other jobs to do.  He grabbed a hose - not a garden hose, but more like a fire hose - and began dousing down all the dirt areas around the helipad.  He could have cared less about getting anybody or any of their possessions soaked.  He hosed people, and their things down.  It was pretty rude.  He could have at least warned people, but his hose spraying was so random, not giving anybody any time to move out of the way.

At 9:30, the passenger carrying helicopter was echoing through the canyon.  You could hear it well before you could see it.  The List/Firehose Guy, called out the names of the passengers who needed to get ready.  Our name was called.  

We were getting out of here!  The helicopter landed and several passengers got off.  We were escorted out to the chopper.  Dyan got the front seat by the captain, and I got the window seat just behind her.  With a little assistance from the other passengers, I was able to slide in and pull my ankle up into the seating area.  Thirty seconds later, we were airborne.  We made a quick cruise across town and banked hard up into the canyon.  The ride was spectacular.  In the 5-minute ride to the top, we crossed the hiking trail a couple of times, wondering how far our crew was on the hike.  Maybe we would see them.  Surely, we’d see Justin and Whitney’s matching neon green shirts or Susanne bright hiking jacket.  We should easily be able to spot Michael’s bright orange jacket or Nick’s 700-pound crimson colored backpack.

The helicopter cruised through the canyon making quick work of the 10 mile and 2400 ft climb in elevation.  It was so fast.   I tried hard to capture pictures of the beautiful journey, but my camera kept focusing on the reflection in the glass as opposed to the landscape below.  Our helicopter landed at 9:37AM.  Surely, we beat our group to the top.  We grabbed our bags and limped our way over to the trailhead.  NO WAY!  There is Justin, and Whitney, and Michael!  They were already to the top!  So was Kassandra & Bella and Susanne and Mark too.  And Debra and Amy were just finishing as we approached the trailhead.  We had all arrived at nearly the same time.  I was so relieved nobody had to wait for us!  Kassandra snapped this cool pictures of our helicopter on final approach.

Within 30 minutes, our gear was packed in the van, and we were on the road to Flagstaff.  We stopped briefly for lunch at the Grand Canyon Caverns Grotto.  Dyan got me some ice while Susanne and Mark made sure I was comfortable.  My ankle was so swollen, my boot was a challenge to get off.  Everything about it was getting worse.

Michael and Nick prepared bacon and cucumber wraps which were good as we all sat out in the sun, relaxing in the rockers.  Our new friends deserved this relaxing break after the uphill hike they just accomplished.

The remainder of the ride into Flagstaff went fairly quick with lots of stories being told.  Our group had really bonded over the three days.  Dyan and I have never taken a group trip before, so we were unsure how the dynamic would be among the members.  But I can honestly say we had an amazing group to make this trek with.  Everybody was so kind, caring and had such colorful backgrounds and rich life experiences which we got to learn about.  I felt like we were all good friends by the time we left that canyon.  Each of us had a passion and appreciation for a good adventure, and I think that is why we all got along so well.  We were all there for the same reason.  Next time we take another group adventure, I can only hope our group is just as amazing as our Havasu Falls group.  You’ve set the bar high.  Thank you.

A crazy amount of credit for such a successful adventure should be given to Michael, Nick and Wildland Trekking.  Every step of this trip was thoughtfully planned out by our guides and their trekking company - from the food, to the hiking, to the gear to the the customer experience.  They considered everybody’s physical abilities and made sure to not hike to fast, or too slow.  Their attention to detail is second to none, never overlooking blisters from hiking, or carrying extra water for those who ran out.  They also did a good job at taking many of us out of our comfort zones by helping us experience things we had not expected - whether it be challenging activities, or new foods.  But most importantly for me, as Michael and Nick prepared to have me extracted from the canyon, they were on the phone with presumably Wildland Management who was walking them through the process of getting me out safely, and quickly.  I cannot express my gratitude enough for everybody involved in helping me get to the top of the trailhead.  I would highly recommend Wildland Trekking, and specifically Michael and Nick as guides.  We absolutely would love the opportunity to go on another adventure with Wildland.

Dyan and I wasted no time getting out of Flagstaff.  We had a date with the lavish pool at Sheraton Grand Resort at Wild Horse Pass.  But that was in Chandler, over 2 hours away.  Go , go, go.  Dyan drove while I elevated/iced my foot on the dashboard.  We hit rush hour traffic in Phoenix which delayed our arrival into the hotel to 5PM.  Pool sounds great, but given our meals the past few days, we were feeling rather carnivorous.  Texas Roadhouse was near the hotel.  I had the prime rib, and Dyan the chicken fried chicken. Mmmmmmm.  Not surprising, we crashed by 9PM.

May 15, 2018

My ankle continued to worsen.  Pain, swelling, bruising – it was brutal.  I contemplated an ortho quick care in Phoenix, but decided to wait to get it checked out when I got home.  We had breakfast at the onsite restaurant consisting of a breakfast sandwich and yogurt parfait.  It was fab.  We then spent the day at the pool drinking some kind of delicious frozen concoctions all while elevating with ice.  I could think of worse spots I’d rather be right now.  What if we would have gotten stuck overnight in Supai?  We’d be waiting for the helicopter right now!

It was 105 degrees, and felt every bit of that number.  But the pool water sure made the day like paradise.  We had lettuce wraps for lunch before heading back to the room to get ready for the evening.  Up first was the casino right next door to our resort.  This casino was bad to us on our first trip to Phoenix, and proved to be no better this time around.  Dyan and I couldn’t get anything going on Buffalo Stampede, Willy Wonka or a plethora of other machines.  I even sat at the blackjack table for about 90 second.  It was a $10 table – I was playing the minimum.  

First hand, dealer blackjack.  Minus $10

Second hand, dealer 20, me 17.  Minus $10

Third hand, dealer blackjack.  Minus $10

Fourth hand, dealer blackjack.  Minus $10.  You’ve got to be kidding me.

Fifth hand, I was dealt 12.  I hit and got a 10.  A bust at 22.  Minus $10.

There goes our winning from Cliff Castle Casino.  We left the casino.  We were hungry, and a little grouchy.  Stinks to lose, but looming largely was the end to our vacation tomorrow.  So, our moods weren’t the best.  We couldn’t agree on a dining establishment, so we drove aimlessly for almost an hour as we looked for restaurant signs through the window.   We settled on RigaTony’s, a highly rated Italian restaurant in Tempe.  It was good, but not great.

May 16, 2018

Once again, we ate breakfast (mouthwatering waffles) at the restaurant and spent the entire morning at the pool.  The pool at Sheraton Grand is amazing.

It was the perfect pool day with the temperature well the century mark.

This is our second visit to the Wild Horse Pass, and we will most definitely come back on future trips.  Around 11, we packed up the room and made our way back to the restaurant for a quick lunch.  Dyan had SW Tortilla Soup and I had the fresh pretzel bites.  Dyan made a great point, why don’t we just eat all our meals from this restaurant when we are in Phoenix?  Everything is so tasty!

By 1:00, we were checking in our rental car.  Sixt waived the $105 upgrade charge for us, so that was awesome!  And by 4:00, we had boarded our flight and were on our way home.  Luckily, it was not a full flight, so we were able to juggle seats to sit behind the exit row so I would have room to elevate my ankle.  The flight attendant even packed me a bag of ice.  Not sure the flight home could have gotten any better.  I had my foot raised with The Hangover playing on one screen and the flight map on the other screen.  

Out flight was super smooth and we caught a glimpse of some big storms over South Dakota.

For the amount of planning, preparation and anticipation, the trip went way too fast.  Bummed we were coming home, but happy I was still in one piece!

Update:

On May 18, 2018, I did visit Summit Orthopedics in Eagan to have my ankle checked out.  As I suspected, there was a fracture, although it’s not where I suspected.  In this x-ray, you can see the hazy white line on the backside of my tibia, that’s the fracture (red circle).  

They also believe I have grade III sprains (complete tears) calcaneofibular ligament and anterior talofibular ligament.  

Healing time is 4-8 weeks and they put me in a light soft brace when I was reluctant to wear a boot.   Awesome.

[themoneybuff-blog]

Cost of living: Why you should choose a cheap place to live

Shares 105 While visiting Raleigh earlier this month, I spent a morning with my pal Justin (from the excellent Root of Good blog) and his wife. As we sipped our coffee and nibbled our bagels, the conversation turned to cost of living. (Money nerds will be money nerds, after all.) Things are cheaper here in North Carolina than they are in Portland, I said. Food is cheaper. Beer is cheaper. Hotel rooms are cheaper. Your homes are cheaper too. Last night, as I was walking through the neighborhood next to my hotel, I pulled up the housing prices. I was shocked at how low they are! Yeah, housing costs are lower here than in many parts of the country, Justin said. Take our house, for instance. We bought it in 2003 for $108,000. Zillow says its worth around $198,000 right now. But Ill bet thats a lot less than youd pay for a similar place in Portland. Hes right. Justin and his wife own an 1800-square-foot home on 0.3 acres of land. Their place has four bedrooms and 2.5 bathrooms. Theres only one place for sale in Portland right now that matches these stats and its going for $430,000 more than twice the price the same home would fetch in Raleigh.

Housing is by far the largest slice of the average American budget, representing one-third of typical household spending. Because of this, the best way to cut your costs (and, therefor, boost your profit margin) is to reduce how much you spend to keep a roof over your head. One obvious way to cut costs on housing is to choose a cheaper home or apartment. But if you truly want to slash your spending, consider moving to a new neighborhood. Or city. Or state. If youre willing to change locations, you can supercharge your purchasing power and accelerate your saving rate. Cost of living is one of those factors that people seldom consider, but which can have a huge impact on the family budget sometimes in unexpected ways. According to The Millionaire Next Door: Living in less costly areas can enable you to spend less and to invest more of your income. You will pay less for your home and correspondingly less for your property taxes. Your neighbors will be less likely to drive expensive motor vehicles. You will find it easier to keep up, even ahead, of the Joneses and still accumulate wealth. Its one thing to talk about the effects of high cost of living, but another to actually experience it. Cost of Living in Real Life On our fifteen-month road trip across the United States, Kim and I made a point of watching how prices varied from city to city and region to region. While stranded for ten days in rural Plankinton, South Dakota, for example, I paid $10.60 for a fancy mens haircut. At home in Portland, I pay $28 for the same fancy haircut. In Fort Collins, Colorado, I paid $30 for a haircut. In Santa Barbara, California, I paid $50 or $60 for the same fancy cut. Gas was cheaper in South Dakota too. So was food. So was beer and whisky. So were movies. So was just about everything, including housing. Housing prices followed a similar pattern to the haircut prices I mentioned above. A $280,000 home in Portland might go for $300,000 in Fort Collins and $500k to $600k in Santa Barbara. In South Dakota, that same home would cost about $106,000. A couple of years ago, I exchanged email with a reader who had first-hand experience struggling with the high cost of living. She gave me permission to share her story: I had been saving about 40% of my relatively modest salary for eight years. I had built up an emergency fund as well as a good sized savingsand then we had kids. We lost our rent-stabilized apartment right after our children were born. We live in New York City, and while I maintain that there are many things about the city that are actually very budget-friendly (public transit and free entertainment top my list), the cost of rent and daycare in NYC are over the top. In one year, the cost of a market-rate apartment in our neighborhood plus two kids in daycare ate into my hard-earned savings. By the end of the year, the pot of money that I had worked so hard to save was down by almost $50,000. Luckily, my husband and I have never carried any kind of debt and had already been living well below our means before the kids came along. But that also meant there was very little fat left to trim in our budget other than rent and daycare expenses. (Wed already dropped the landline, never had cable, cooked almost all of our meals at home, and cut out our modest allowance of $50/month for splurges.) We are the very definition of penny wise and pound foolish! Eventually, we moved into a cheaper apartment. Although we havent had to dip into savings since we moved, were still essentially living month to month because of daycare and rent. The neighborhood is cheaper for a reason. Real Life will force us to make another move in the spring. One of our jobs is going away, so it will force a decision one way or another since we cant stay in New York on one salary. Change is definitely coming. This reader and her husband are already frugal-minded thats how she built her buffer of savings to start with so there isnt much more the family can cut. This is an example where the only real solution is to seek a city with a lower cost of living. Saving in Savannah Which places are cheapest to live? Which are most expensive? This map from Governing magazine shows how far the average paycheck goes in 191 U.S. metro areas.

Dark green (blue?) dots indicate cities where your wages buy more after adjusting for cost of living. Dark brown dots are places where you have to work harder to get what you want. (Click through to play with an interactive version of the map.) As you can see, large coastal cities tend to be more expensive than smaller towns in the center of the country. If you have a fixed budget, youll get more bang for your buck by buying a home in Oklahoma City or Sioux Falls than by living in San Francisco or Washington D.C. Its not just coastal cities, though. There are spendy pockets throughout the U.S. from Flagstaff, Arizona to Hot Springs, Arkansas. And some coastal cities Boston, Houston, Seattle, Tampa are relatively inexpensive. (In Boston and Seattle, though, thats because wages are high, not because things are cheap.) In the middle of our road trip, Kim and I decided to stay the winter in Savannah, Georgia. During our six months in Savannah, we spent much less than we would have for the same lifestyle here in Portland. According to the CNN cost-of-living calculator, Portland is 44% more expensive than in Savannah. (And housing costs nearly three times as much here as it does in Georgia!)

In larger cities, there are often cost-of-living differences between neighborhoods. When deciding where to live in Savannah, for instance, we had a choice: We could rent a small apartment in the downtown historic district for $1750 per month. The place would have been a lot of fun because it was surrounded by shops and restaurants, and it was close to anything we might want to do.We could opt instead for a modest-sized condo on the outskirts of town at $1325 per month. This location was next to nothing. We could walk to the grocery store, but wed have to drive into the city if we wanted to indulge ourselves. After considering financial and lifestyle factors, we chose to rent the condo in the middle of the marshlands. On the surface, this decision saved us $425 per month. In reality, it saved us much more than that. If we had lived downtown, we would have had to pay to park the Mini Cooper ($95/month). We would have been constantly tempted to eat out or go for drinks. It would have been too easy for window shopping to become actual shopping. Instead, we enjoyed one Date Night each week. We spent the rest of our time working and exercising. I believe that opting for the less glamorous location saved us a minimum of $5000 over our six month stay and the real savings are probably far greater. Pinching Pennies in Portland This same concept certain neighborhoods costing less than others was a driving factor in our decision last year to sell our condo and move to the country. We loved where we lived, but the costs were crazy. First, there were the maintenance costs for a place that we ostensibly owned outright. Even without a mortgage, we were paying nearly $1200 per month for HOA fees, utilities, insurance, and more. (In our new place, we spend half that.)Plus, there was the sneaky cost of lifestyle inflation. Our condo was in a fun neighborhood filled with restaurants and bars. It was all too easy after a long day to simply walk up the street to one of our favorite spots, where wed drop $50 or $100 on food and drinks. Moving to our new place cut our restaurant spending in half.Lastly, the cost of goods in our new neighborhood is lower than in our old. In Sellwood, our grocery options were limited. And expensive. The nearest markets were both high-end organic-only affairs, the kind of places you might see on an episode of Portlandia. Yes, the quality was outstanding. But since weve moved, were spending about 25% less on groceries each month. Moving helped us save big on some cost-of-living items. But it also brought with it a few increases in spending. Because were more rural now, we drive more often. Kim, especially, is spending more on gas. Our new home also has greater maintenance costs than the condo. Weve poured a ton of money into this place since moving in. (I guess thats not actually a cost-of-living issue so much as a homeownership issue, though.) My point is that even within a city, there are cost-of-living differences you can leverage to your advantage especially if youre willing to live in a rougher part of town. The Bottom Line Obviously theres more to picking a place to live than pure price. When you choose a city (or neighborhood) to call home, you do so because of the climate, the politics, and the people. You want to live close to friends and family. You want a nice school district. You want people who think and act the same way you do. For those reasons (and others), Omaha might not be a good choice for you. (Savannah isnt a good choice for me long-term, but it was fine for a few months.) Heres the bottom line: Where you choose to live has a greater effect on your long-term financial success than almost any other factor. How much you earn is sometimes more important (not always), in which case cost of living is a close second. Cost of living can wreak havoc on your pursuit of financial freedom. Or it can help you achieve your goals sooner than you thought possible. The choice is yours. Other ways to make the most of your housing budget? Consider renting. Live close to where you work so that you can walk, bike, or take the bus. Purchase a house that fits your lifestyle and needs rather than the commonly cited buy as much home as you can afford. The latter is self-serving advice from real-estate agents and mortgage brokers. You dont need a big house; you just need someplace comfortable. Shares 105 https://www.getrichslowly.org/cost-of-living/

[andrewdburton]

Cost of living: Why you should choose a cheap place to live

While visiting Raleigh earlier this month, I spent a morning with my pal Justin (from the excellent Root of Good blog) and his wife. As we sipped our coffee and nibbled our bagels, the conversation turned to cost of living. (Money nerds will be money nerds, after all.)

“Things are cheaper here in North Carolina than they are in Portland,” I said. “Food is cheaper. Beer is cheaper. Hotel rooms are cheaper. Your homes are cheaper too. Last night, as I was walking through the neighborhood next to my hotel, I pulled up the housing prices. I was shocked at how low they are!”

“Yeah, housing costs are lower here than in many parts of the country,” Justin said.

“Take our house, for instance. We bought it in 2003 for $108,000. Zillow says it’s worth around $198,000 right now. But I’ll bet that’s a lot less than you’d pay for a similar place in Portland.”

He’s right. Justin and his wife own an 1800-square-foot home on 0.3 acres of land. Their place has four bedrooms and 2.5 bathrooms. There’s only one place for sale in Portland right now that matches these stats and it’s going for $430,000 — more than twice the price the same home would fetch in Raleigh.

Housing is by far the largest slice of the average American budget, representing one-third of typical household spending. Because of this, the best way to cut your costs (and, therefor, boost your “profit margin”) is to reduce how much you spend to keep a roof over your head.

One obvious way to cut costs on housing is to choose a cheaper home or apartment. But if you truly want to slash your spending, consider moving to a new neighborhood. Or city. Or state. If you’re willing to change locations, you can supercharge your purchasing power and accelerate your saving rate.

Cost of living is one of those factors that people seldom consider, but which can have a huge impact on the family budget — sometimes in unexpected ways. According to The Millionaire Next Door:

Living in less costly areas can enable you to spend less and to invest more of your income. You will pay less for your home and correspondingly less for your property taxes. Your neighbors will be less likely to drive expensive motor vehicles. You will find it easier to keep up, even ahead, of the Joneses and still accumulate wealth.

It’s one thing to talk about the effects of high cost of living, but another to actually experience it.

Cost of Living in Real Life

On our fifteen-month road trip across the United States, Kim and I made a point of watching how prices varied from city to city and region to region.

While stranded for ten days in rural Plankinton, South Dakota, for example, I paid $10.60 for a fancy men’s haircut. At home in Portland, I pay $28 for the same fancy haircut. In Fort Collins, Colorado, I paid $30 for a haircut. In Santa Barbara, California, I paid $50 or $60 for the same fancy cut.

Gas was cheaper in South Dakota too. So was food. So was beer and whisky. So were movies. So was just about everything, including housing. Housing prices followed a similar pattern to the haircut prices I mentioned above. A $280,000 home in Portland might go for $300,000 in Fort Collins and $500k to $600k in Santa Barbara. In South Dakota, that same home would cost about $106,000.

A couple of years ago, I exchanged email with a reader who had first-hand experience struggling with the high cost of living. She gave me permission to share her story:

I had been saving about 40% of my relatively modest salary for eight years. I had built up an emergency fund as well as a good sized savings…and then we had kids.

We lost our rent-stabilized apartment right after our children were born. We live in New York City, and while I maintain that there are many things about the city that are actually very budget-friendly (public transit and free entertainment top my list), the cost of rent and daycare in NYC are over the top.

In one year, the cost of a market-rate apartment in our neighborhood plus two kids in daycare ate into my hard-earned savings. By the end of the year, the pot of money that I had worked so hard to save was down by almost $50,000.

Luckily, my husband and I have never carried any kind of debt and had already been living well below our means before the kids came along. But that also meant there was very little fat left to trim in our budget other than rent and daycare expenses. (We’d already dropped the landline, never had cable, cooked almost all of our meals at home, and cut out our modest “allowance” of $50/month for splurges.)

We are the very definition of penny wise and pound foolish!

Eventually, we moved into a cheaper apartment. Although we haven’t had to dip into savings since we moved, we’re still essentially living month to month because of daycare and rent. The neighborhood is cheaper for a reason.

Real Life will force us to make another move in the spring. One of our jobs is going away, so it will force a decision one way or another since we can’t stay in New York on one salary. Change is definitely coming.

This reader and her husband are already frugal-minded — that’s how she built her buffer of savings to start with — so there isn’t much more the family can cut. This is an example where the only real solution is to seek a city with a lower cost of living.

Saving in Savannah

Which places are cheapest to live? Which are most expensive? This map from Governing magazine shows how far the average paycheck goes in 191 U.S. metro areas.

Dark green (blue?) dots indicate cities where your wages buy more after adjusting for cost of living. Dark brown dots are places where you have to work harder to get what you want. (Click through to play with an interactive version of the map.)

As you can see, large coastal cities tend to be more expensive than smaller towns in the center of the country. If you have a fixed budget, you’ll get more bang for your buck by buying a home in Oklahoma City or Sioux Falls than by living in San Francisco or Washington D.C.

It’s not just coastal cities, though. There are spendy pockets throughout the U.S. from Flagstaff, Arizona to Hot Springs, Arkansas. And some coastal cities — Boston, Houston, Seattle, Tampa — are relatively inexpensive. (In Boston and Seattle, though, that’s because wages are high, not because things are cheap.)

In the middle of our road trip, Kim and I decided to stay the winter in Savannah, Georgia. During our six months in Savannah, we spent much less than we would have for the same lifestyle here in Portland. According to the CNN cost-of-living calculator, Portland is 44% more expensive than in Savannah. (And housing costs nearly three times as much here as it does in Georgia!)

In larger cities, there are often cost-of-living differences between neighborhoods. When deciding where to live in Savannah, for instance, we had a choice:

We could rent a small apartment in the downtown historic district for $1750 per month. The place would have been a lot of fun because it was surrounded by shops and restaurants, and it was close to anything we might want to do.

We could opt instead for a modest-sized condo on the outskirts of town at $1325 per month. This location was next to nothing. We could walk to the grocery store, but we’d have to drive into the city if we wanted to indulge ourselves.

After considering financial and lifestyle factors, we chose to rent the condo in the middle of the marshlands. On the surface, this decision saved us $425 per month. In reality, it saved us much more than that.

If we had lived downtown, we would have had to pay to park the Mini Cooper ($95/month). We would have been constantly tempted to eat out or go for drinks. It would have been too easy for window shopping to become actual shopping. Instead, we enjoyed one Date Night each week. We spent the rest of our time working and exercising.

I believe that opting for the less glamorous location saved us a minimum of $5000 over our six month stay — and the real savings are probably far greater.

Pinching Pennies in Portland

This same concept — certain neighborhoods costing less than others — was a driving factor in our decision last year to sell our condo and move to “the country”. We loved where we lived, but the costs were crazy.

First, there were the maintenance costs for a place that we ostensibly owned outright. Even without a mortgage, we were paying nearly $1200 per month for HOA fees, utilities, insurance, and more. (In our new place, we spend half that.)

Plus, there was the sneaky cost of lifestyle inflation. Our condo was in a fun neighborhood filled with restaurants and bars. It was all too easy after a long day to simply walk up the street to one of our favorite spots, where we’d drop $50 or $100 on food and drinks. Moving to our new place cut our restaurant spending in half.

Lastly, the cost of goods in our new neighborhood is lower than in our old. In Sellwood, our grocery options were limited. And expensive. The nearest markets were both high-end organic-only affairs, the kind of places you might see on an episode of Portlandia. Yes, the quality was outstanding. But since we’ve moved, we’re spending about 25% less on groceries each month.

Moving helped us save big on some cost-of-living items. But it also brought with it a few increases in spending. Because we’re more rural now, we drive more often. Kim, especially, is spending more on gas. Our “new” home also has greater maintenance costs than the condo. We’ve poured a ton of money into this place since moving in. (I guess that’s not actually a cost-of-living issue so much as a homeownership issue, though.)

My point is that even within a city, there are cost-of-living differences you can leverage to your advantage — especially if you’re willing to live in a rougher part of town.

The Bottom Line

Obviously there’s more to picking a place to live than pure price.

When you choose a city (or neighborhood) to call home, you do so because of the climate, the politics, and the people. You want to live close to friends and family. You want a nice school district. You want people who think and act the same way you do. For those reasons (and others), Omaha might not be a good choice for you. (Savannah isn’t a good choice for me long-term, but it was fine for a few months.)

Here’s the bottom line: Where you choose to live has a greater effect on your long-term financial success than almost any other factor. How much you earn is sometimes more important (not always), in which case cost of living is a close second.

Cost of living can wreak havoc on your pursuit of financial freedom. Or it can help you achieve your goals sooner than you thought possible. The choice is yours.

Other ways to make the most of your housing budget? Consider renting. Live close to where you work so that you can walk, bike, or take the bus. Purchase a house that fits your lifestyle and needs rather than the commonly cited “buy as much home as you can afford”. The latter is self-serving advice from real-estate agents and mortgage brokers. You don’t need a big house; you just need someplace comfortable.

The post Cost of living: Why you should choose a cheap place to live appeared first on Get Rich Slowly.

from Finance https://www.getrichslowly.org/cost-of-living/ via http://www.rssmix.com/

[foursprout-blog]

Cost of living: Why you should choose a cheap place to live

New Post has been published on http://foursprout.com/wealth/cost-of-living-why-you-should-choose-a-cheap-place-to-live/

Cost of living: Why you should choose a cheap place to live

While visiting Raleigh earlier this month, I spent a morning with my pal Justin (from the excellent Root of Good blog) and his wife. As we sipped our coffee and nibbled our bagels, the conversation turned to cost of living. (Money nerds will be money nerds, after all.)

“Things are cheaper here in North Carolina than they are in Portland,” I said. “Food is cheaper. Beer is cheaper. Hotel rooms are cheaper. Your homes are cheaper too. Last night, as I was walking through the neighborhood next to my hotel, I pulled up the housing prices. I was shocked at how low they are!”

“Yeah, housing costs are lower here than in many parts of the country,” Justin said.

“Take our house, for instance. We bought it in 2003 for $108,000. Zillow says it’s worth around $198,000 right now. But I’ll bet that’s a lot less than you’d pay for a similar place in Portland.”

He’s right. Justin and his wife own an 1800-square-foot home on 0.3 acres of land. Their place has four bedrooms and 2.5 bathrooms. There’s only one place for sale in Portland right now that matches these stats and it’s going for $430,000 — more than twice the price the same home would fetch in Raleigh.

Housing is by far the largest slice of the average American budget, representing one-third of typical household spending. Because of this, the best way to cut your costs (and, therefor, boost your “profit margin”) is to reduce how much you spend to keep a roof over your head.

One obvious way to cut costs on housing is to choose a cheaper home or apartment. But if you truly want to slash your spending, consider moving to a new neighborhood. Or city. Or state. If you’re willing to change locations, you can supercharge your purchasing power and accelerate your saving rate.

Cost of living is one of those factors that people seldom consider, but which can have a huge impact on the family budget — sometimes in unexpected ways. According to The Millionaire Next Door:

Living in less costly areas can enable you to spend less and to invest more of your income. You will pay less for your home and correspondingly less for your property taxes. Your neighbors will be less likely to drive expensive motor vehicles. You will find it easier to keep up, even ahead, of the Joneses and still accumulate wealth.

It’s one thing to talk about the effects of high cost of living, but another to actually experience it.

Cost of Living in Real Life

On our fifteen-month road trip across the United States, Kim and I made a point of watching how prices varied from city to city and region to region.

While stranded for ten days in rural Plankinton, South Dakota, for example, I paid $10.60 for a fancy men’s haircut. At home in Portland, I pay $28 for the same fancy haircut. In Fort Collins, Colorado, I paid $30 for a haircut. In Santa Barbara, California, I paid $50 or $60 for the same fancy cut.

Gas was cheaper in South Dakota too. So was food. So was beer and whisky. So were movies. So was just about everything, including housing. Housing prices followed a similar pattern to the haircut prices I mentioned above. A $280,000 home in Portland might go for $300,000 in Fort Collins and $500k to $600k in Santa Barbara. In South Dakota, that same home would cost about $106,000.

A couple of years ago, I exchanged email with a reader who had first-hand experience struggling with the high cost of living. She gave me permission to share her story:

I had been saving about 40% of my relatively modest salary for eight years. I had built up an emergency fund as well as a good sized savings…and then we had kids.

We lost our rent-stabilized apartment right after our children were born. We live in New York City, and while I maintain that there are many things about the city that are actually very budget-friendly (public transit and free entertainment top my list), the cost of rent and daycare in NYC are over the top.

In one year, the cost of a market-rate apartment in our neighborhood plus two kids in daycare ate into my hard-earned savings. By the end of the year, the pot of money that I had worked so hard to save was down by almost $50,000.

Luckily, my husband and I have never carried any kind of debt and had already been living well below our means before the kids came along. But that also meant there was very little fat left to trim in our budget other than rent and daycare expenses. (We’d already dropped the landline, never had cable, cooked almost all of our meals at home, and cut out our modest “allowance” of $50/month for splurges.)

We are the very definition of penny wise and pound foolish!

Eventually, we moved into a cheaper apartment. Although we haven’t had to dip into savings since we moved, we’re still essentially living month to month because of daycare and rent. The neighborhood is cheaper for a reason.

Real Life will force us to make another move in the spring. One of our jobs is going away, so it will force a decision one way or another since we can’t stay in New York on one salary. Change is definitely coming.

This reader and her husband are already frugal-minded — that’s how she built her buffer of savings to start with — so there isn’t much more the family can cut. This is an example where the only real solution is to seek a city with a lower cost of living.

Saving in Savannah

Which places are cheapest to live? Which are most expensive? This map from Governing magazine shows how far the average paycheck goes in 191 U.S. metro areas.

Dark green (blue?) dots indicate cities where your wages buy more after adjusting for cost of living. Dark brown dots are places where you have to work harder to get what you want. (Click through to play with an interactive version of the map.)

As you can see, large coastal cities tend to be more expensive than smaller towns in the center of the country. If you have a fixed budget, you’ll get more bang for your buck by buying a home in Oklahoma City or Sioux Falls than by living in San Francisco or Washington D.C.

It’s not just coastal cities, though. There are spendy pockets throughout the U.S. from Flagstaff, Arizona to Hot Springs, Arkansas. And some coastal cities — Boston, Houston, Seattle, Tampa — are relatively inexpensive. (In Boston and Seattle, though, that’s because wages are high, not because things are cheap.)

In the middle of our road trip, Kim and I decided to stay the winter in Savannah, Georgia. During our six months in Savannah, we spent much less than we would have for the same lifestyle here in Portland. According to the CNN cost-of-living calculator, Portland is 44% more expensive than in Savannah. (And housing costs nearly three times as much here as it does in Georgia!)

In larger cities, there are often cost-of-living differences between neighborhoods. When deciding where to live in Savannah, for instance, we had a choice:

We could rent a small apartment in the downtown historic district for $1750 per month. The place would have been a lot of fun because it was surrounded by shops and restaurants, and it was close to anything we might want to do.

We could opt instead for a modest-sized condo on the outskirts of town at $1325 per month. This location was next to nothing. We could walk to the grocery store, but we’d have to drive into the city if we wanted to indulge ourselves.

After considering financial and lifestyle factors, we chose to rent the condo in the middle of the marshlands. On the surface, this decision saved us $425 per month. In reality, it saved us much more than that.

If we had lived downtown, we would have had to pay to park the Mini Cooper ($95/month). We would have been constantly tempted to eat out or go for drinks. It would have been too easy for window shopping to become actual shopping. Instead, we enjoyed one Date Night each week. We spent the rest of our time working and exercising.

I believe that opting for the less glamorous location saved us a minimum of $5000 over our six month stay — and the real savings are probably far greater.

Pinching Pennies in Portland

This same concept — certain neighborhoods costing less than others — was a driving factor in our decision last year to sell our condo and move to “the country”. We loved where we lived, but the costs were crazy.

First, there were the maintenance costs for a place that we ostensibly owned outright. Even without a mortgage, we were paying nearly $1200 per month for HOA fees, utilities, insurance, and more. (In our new place, we spend half that.)

Plus, there was the sneaky cost of lifestyle inflation. Our condo was in a fun neighborhood filled with restaurants and bars. It was all too easy after a long day to simply walk up the street to one of our favorite spots, where we’d drop $50 or $100 on food and drinks. Moving to our new place cut our restaurant spending in half.

Lastly, the cost of goods in our new neighborhood is lower than in our old. In Sellwood, our grocery options were limited. And expensive. The nearest markets were both high-end organic-only affairs, the kind of places you might see on an episode of Portlandia. Yes, the quality was outstanding. But since we’ve moved, we’re spending about 25% less on groceries each month.

Moving helped us save big on some cost-of-living items. But it also brought with it a few increases in spending. Because we’re more rural now, we drive more often. Kim, especially, is spending more on gas. Our “new” home also has greater maintenance costs than the condo. We’ve poured a ton of money into this place since moving in. (I guess that’s not actually a cost-of-living issue so much as a homeownership issue, though.)

My point is that even within a city, there are cost-of-living differences you can leverage to your advantage — especially if you’re willing to live in a rougher part of town.

The Bottom Line

Obviously there’s more to picking a place to live than pure price.

When you choose a city (or neighborhood) to call home, you do so because of the climate, the politics, and the people. You want to live close to friends and family. You want a nice school district. You want people who think and act the same way you do. For those reasons (and others), Omaha might not be a good choice for you. (Savannah isn’t a good choice for me long-term, but it was fine for a few months.)

Here’s the bottom line: Where you choose to live has a greater effect on your long-term financial success than almost any other factor. How much you earn is sometimes more important (not always), in which case cost of living is a close second.

Cost of living can wreak havoc on your pursuit of financial freedom. Or it can help you achieve your goals sooner than you thought possible. The choice is yours.

Other ways to make the most of your housing budget? Consider renting. Live close to where you work so that you can walk, bike, or take the bus. Purchase a house that fits your lifestyle and needs rather than the commonly cited “buy as much home as you can afford”. The latter is self-serving advice from real-estate agents and mortgage brokers. You don’t need a big house; you just need someplace comfortable.

The post Cost of living: Why you should choose a cheap place to live appeared first on Get Rich Slowly.

[gradstudentwriter-blog]

Zombie Apocalypse by  Trudy Sirany... to my daughter Rachel.                        Chapter One

     She knew trailers were noisy.  She had lived in one or another four years 

now.  The only difference was, this was the first trailer Park.  In other places she 

had lived in a trailer, it had been in North Dakota.  In Western North Dakota. 

Oil country.  Plenty of room to spread out.

     Oil country appeared lawless but in fact was tightly governed by men with

the strongest personalities.  There were no sides, only players.  Everybody

carried a weapon.  Transactions were made in cash.  Good girls need have no

fear.  Bad girls made more money than the men working the fields.

    It was the last place she had lived in North Dakota she had learned to simply

ignore the noise.  She lived in a big trailer.  The trailer owner occupied a 

bedroom at one end she had never entered and had been specifically instructed 

not to enter.  It mattered little.  There were all kinds of oddballs in a boom town

where most of the people were quick to tell you they didn’t live there.  This

meant that when the work ran out they were going back where they came 

from.  In the meantime, there were three rented bedrooms at the opposite end of

the trailer, occupied by people who claimed not to live there.

page two

     It would be hard for someone with a high need for privacy to rent out rooms,

she reasoned and dismissed the fact that in parts of what was still a small 

structure to house four adults, there was one room that could have been

labeled High Security.  The door was always shut.  The only part of trailer life

that bothered her was the noise at night.

     Each night, it sounded just like someone was walking around the tiny sitting

room that no one ever sat in outside the renter’s bedrooms.  Twice, she had

walked on barefoot tiptoe to the bedroom door, opened it quickly and peered

out.  There was no one there and no place to disappear to so quickly.  She

ignored it.  The noise continued.

     She didn’t believe in ghosts.  She believed in science, in repeatable

experiments, in randomized controlled trials, in wind rattling around the

draftiness that describes every trailer, in small animals whooshing around 

underneath the structure.  She got used to it and then stopped hearing it 

altogether.  

     When life on the frontier became more trouble than it was worth, when the 

boom went bust, when another North Dakota winter made her too sick to be

employable, she imposed herself on the one person who could not say, “No.”

Her ex-husband.  He lived in a trailer, too.  It was just as noisy as the trailers in

North Dakota but the noises were different.

page three

     These were the noises of civilization, picked up by the wind and carried

through one crevice into another crevice so that she would hear four to six

second snatches of conversation in English, conversation in a foreign language,

what sounded like a radio, what sounded like a TV, children running up and 

down a hall, voices raised in argument.  She could almost never make out the

words, just the sense of what was going on.  After awhile, she stopped hearing

the new noises, too.

     She was never afraid here, as she had sometimes been In a town with a

severe shortage of women.  She read. and she wrote.  These are solitary,

sedentary activities that attracted little attention and like many before her, she

learned to be invisible.  There were innumerable rules that governed the park 

and everyone who lived there kept all of them because it was safe and quiet

and most trailer parks are not safe and quiet and they did not want to leave.

She kept the rules, too, although she did not want to.  No parked cars on the

street after midnight, no working on your car in the driveway, grass must be kept

to no more than three inches in height in the summer, no garden tools left out

overnight, no loud noises after ten o’clock and best of all, was the speed limit.

Ten miles an hour and they were serious.  Each time she turned into what

seemed like Smallville, since trailers are constructed on a 7/8 scale compared

to other construction and saw the big sign that said “10″ she thought, “It may as 

well say Oz.”

page four

     Life was peaceful until the day she heard distinct conversation coming from

next door.  It was from the oddly regulated population that were her

neighbors to the left.  She could hear distinct words.

                                   “They got Ray.”

                                           “Isaiah?”

                                                 “Isaiah’s gone dark.”

                                                      “Coulda got him, too.

     The men’s voices were afraid.  The fear traveled through the cracks, too.

She got all nerved up and walked to her car so she could drive around the

park at ten miles an hour.  She found her car would remain in first gear at 

five.

     This trailer park was three blocks long, three long blocks long and she hardly

saw anybody.  She’d never driven around to simply look at the park or the

people but it seemed severely underpopulated.  The few people she saw stared

straight at her as if it were their job to do so.  Then she saw a woman being

escorted out of her home with a man on either side to take her seat in a paddy

wagon.  She came with them willingly, it appeared.  She saw her ex.  He

was gone for weeks at a time because of his trucking job and she’d not known

he was home.

page five

     Maybe he could fill her in.  She parked her car, jumped out of it and ran up

to him.  “You’re back!” she said in surprise.  “Of course I am,” he said with an

engaging smile.  “You’ll have to come with us now that you’ve tracked me

down.”  He was being awfully damn charming, except the ex-husband she knew 

wasn’t nearly this happy.  

     Still, realistically, what was she going to do?  All the people who appeared

inexplicably, to not be in charge of their own lives were going along calmly, and

the ununiformed, unelected people who did appear to be in charge were all 

carrying.

     Afterward, after the war was over, she thought the highly regulated behavior

of the trailer park residents made it seem like a good place to start.  She sat

down in the wagon and the man next to her began speaking in a low tone of

voice but not a whisper.  He looked at his lap as he spoke and she had to incline

her head to hear him.

page six

     “The Galactic Council voted thumbs down on the inhabitants of earth as too

violent to colonize other planets.  That Zombie invasion means voluntary

servitude as a human, conversion to a Zombie yourself or armed rebellion.

Though we were rejected because we are violent, insurrection is the only

answer to this problem.  No matter what you decide you will not be harmed by

us.  If you stay here, you must fight.  If you surrender, you will become one

of them.”   He looked at her for the first time.  “You must decide now.”

     She met his gaze directly, willingly.  “I am not afraid.”

     Another soldier.  She looked ready for a fight.  “These old ladies are as bad

as boys,” he thought.  “Eager for war because they do not know what it is.”

    The driver entered the Lino Lakes Minimum Security Prison, with two rolls of

barbed wire on the highest but not the innermost fence.  As people made their

way out of the wagon, he ex appeared and touched the small of her back to

guide her into an open door.  She knew this door.  The Anoka County Juvenile

Detention Center.  Lockup.