#if i was making enough to afford market rate w no assistance i would do that!!! id rather not deal with the red tape like this
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got rejected from "affordable" housing for... *checks notes* ...not being able to afford it
#🫀#i hate it here!!!#ive got a full time job and am earning above minimum wage!!!#who is this supposed to be affordable TO ???#if i was making enough to afford market rate w no assistance i would do that!!! id rather not deal with the red tape like this#i cant even just live w family bc im moving out of state for this job bc all the employers in this industry are in one spot! god!#also i DO have a place to live now. i signed a lease at another place. but i got the rejection in the mail today and it makes me livid#who is this FOR ??? how can you call it affordable??#also for the record i WOULD have been able to afford it. just not at 30 percent income#but that's not a reality for most people anymore so. again who is this for
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The Homeless Crisis Is Getting Worse in America’s Richest Cities
Bloomberg, November 20, 2018
It was just after 10 p.m. on an overcast September night in Los Angeles, and L. was tired from a long day of class prep, teaching, and grading papers. So the 57-year-old anthropology professor fed her Chihuahua-dachshund mix a freeze-dried chicken strip, swapped her cigarette trousers for stretchy black yoga pants, and began to unfold a set of white sheets and a beige cotton blanket to make up her bed.
But first she had to recline the passenger seat of her 2015 Nissan Leaf as far as it would go--that being her bed in the parking lot she’d called home for almost three months. The Late Show with Stephen Colbert was playing on her iPad as she drifted off for another night. “Like sleeping on an airplane--but not in first class,” she said. That was in part by design. “I don’t want to get more comfortable. I want to get out of here.”
L., who asked to go by her middle initial for fear of losing her job, couldn’t afford her apartment earlier this year after failing to cobble together enough teaching assignments at two community colleges. By July she’d exhausted her savings and turned to a local nonprofit called Safe Parking L.A., which outfits a handful of lots around the city with security guards, port-a-potties, Wi-Fi, and solar-powered electrical chargers. Sleeping in her car would allow her to save for a deposit on an apartment. On that night in late September, under basketball hoops owned by an Episcopal church in Koreatown, she was one of 16 people in 12 vehicles. Ten of them were female, two were children, and half were employed.
The headline of the press release announcing the results of the county’s latest homeless census strikes a note of progress: “2018 Homeless Count Shows First Decrease in Four Years.” In some ways that’s true. The figure for people experiencing homelessness dropped 4 percent, a record number got placed in housing, and chronic and veteran homelessness fell by double digits. But troubling figures lurk. The homeless population is still high, at 52,765--up 47 percent from 2012. Those who’d become homeless for the first time jumped 16 percent from last year, to 9,322 people, and the county provided shelter for roughly 5,000 fewer people than in 2011.
All this in a year when the economy in L.A., as in the rest of California and the U.S., is booming. That’s part of the problem. Federal statistics show homelessness overall has been trending down over the past decade as the U.S. climbed back from the Great Recession, the stock market reached all-time highs, and unemployment sank to a generational low. Yet in many cities, homelessness has spiked.
It’s most stark and visible out West, where shortages of shelter beds force people to sleep in their vehicles or on the street. In Seattle, the number of “unsheltered” homeless counted on a single night in January jumped 15 percent this year from 2017--a period when the value of Amazon.com Inc., one of the city’s dominant employers, rose 68 percent, to $675 billion. In California, home to Apple, Facebook, and Google, some 134,000 people were homeless during the annual census for the Department of Housing and Urban Development in January last year, a 14 percent jump from 2016. About two-thirds of them were unsheltered, the highest rate in the nation.
At least 10 cities on the West Coast have declared states of emergency in recent years. San Diego and Tacoma, Wash., recently responded by erecting tents fit for disaster relief areas to provide shelter for their homeless. Seattle and Sacramento may be next.
The reason the situation has gotten worse is simple enough to understand, even if it defies easy solution: A toxic combo of slow wage growth and skyrocketing rents has put housing out of reach for a greater number of people. According to Freddie Mac, the government-sponsored housing giant, the portion of rental units affordable to low earners plummeted 62 percent from 2010 to 2016.
Rising housing costs don’t predestine people to homelessness. But without the right interventions, the connection can become malignant. Research by Zillow Group Inc. last year found that a 5 percent increase in rents in L.A. translates into about 2,000 more homeless people, among the highest correlations in the U.S. The median rent for a one-bedroom in the city was $2,371 in September, up 43 percent from 2010. Similarly, consultant McKinsey & Co. recently concluded that the runup in housing costs was 96 percent correlated with Seattle’s soaring homeless population. Even skeptics have come around to accepting the relationship. “I argued for a long time that the homelessness issue wasn’t due to rents,” says Joel Singer, chief executive officer of the California Association of Realtors. “I can’t argue that anymore.”
Homelessness first gained national attention in the 1980s, when declining incomes, cutbacks to social safety net programs, and a shrinking pool of affordable housing began tipping people into crisis. President Ronald Reagan dubiously argued that homelessness was a lifestyle choice. By the mid-2000s, though, the federal government was taking a more productive approach. George W. Bush’s administration pushed for a “housing first” model that prioritized getting people permanent shelter before helping them with drug addiction or mental illness. Barack Obama furthered the effort in his first term and, in 2010, vowed to end chronic and veteran homelessness in five years and child and family homelessness by 2020.
Rising housing costs are part of the reason some of those deadlines were missed. The Trump administration’s proposal to hike rents on people receiving federal housing vouchers, and require they work, would only make the goals more elusive. Demand for rental assistance has long outstripped supply, leading to yearslong waits for people who want help. But even folks who are lucky enough to have vouchers are increasingly struggling to use them in hot housing markets. A survey by the Urban Institute this year found that more than three-quarters of L.A. landlords rejected tenants receiving rental assistance.
It’s not bad everywhere. Houston, the fourth-most-populous city in the nation, has cut its homeless population in half since 2011, in part by creating more housing for them. That’s dampened the effect of rising rents, Zillow found. Meanwhile, the nonprofit Community Solutions has worked with Chicago, Phoenix, and other cities to gather quality, real-time data about their homeless populations so they can better coordinate their interventions and prioritize spending. The approach has effectively ended veterans’ homelessness in eight communities, including Riverside County in California.
Efficiency can go only so far. More resources are needed in the places struggling the most with homelessness. McKinsey calculated that to shelter people adequately, Seattle would have to increase its outlay to as much as $410 million a year, double what it spends now. Still, that’s less than the $1.1 billion the consultants estimate it costs “as a result of extra policing, lost tourism and business, and the frequent hospitalization of those living on the streets.” Study after study, from California to New York, has drawn similar conclusions. “Doing nothing isn’t doing nothing,” says Sara Rankin, a professor at Seattle University’s School of Law and the director of the Homeless Rights Advocacy Project. “Doing nothing costs more money.”
Then there’s the moral argument for action. “It’s outrageous to me that in a country with so much wealth--and certainly enough for everybody--that there are people who lack even the basics for survival,” says Maria Foscarinis, founder and executive director of the National Law Center on Homelessness & Poverty. Appeals to humanity were part of the strategy in the 1980s, when she and other activists helped push through the first major federal legislation to fight homelessness. Her organization has led a charge against laws that make it a crime to sleep outside in public places, one of the more insidious ways politicians have addressed the crisis. In July the U.S. Court of Appeals for the Ninth Circuit affirmed the unconstitutionality of such bans in a case that Foscarinis’s group--along with Idaho Legal Aid Services and Latham & Watkins--brought against two such ordinances in Boise. “As long as there is no option of sleeping indoors, the government cannot criminalize indigent, homeless people for sleeping outdoors, on public property, on the false premise they had a choice in the matter,” the court wrote. The ruling has led cities, including Portland, Ore., and Berkeley, Calif., to change their policies.
To placate angry constituents, officials too often settle for temporary solutions, such as sweeps of tent encampments and street cleaning. San Francisco Mayor London Breed recently scored some publicity, carrying a broom out to the “dirtiest” block in the city for a photo op with the New York Times. In other places, there’s simply a vacuum of leadership coordinating the patchwork of agencies, nonprofits, and religious organizations trying to help. After reporting intensively for a year on homelessness in the Puget Sound region, the Seattle Times put it bluntly: “No one is in charge.”
Meanwhile, the businesses responsible for much of the area’s economic fortunes, as well as rising housing costs, have been slow to throw their weight behind solutions. Amazon CEO Jeff Bezos recently earmarked a portion of his $2 billion philanthropic pledge for homeless services--only months after his company fought aggressively to beat back a modest tax on large employers in Seattle that would have raised less than $50 million a year for the same.
Blaming people who are trying to get back on their feet is probably the least productive way to solve the crisis. Consider Mindy Woods, a single mother and U.S. Navy veteran who lives in a Seattle suburb. In 2010 she developed autoimmune diseases that made her chronically tired and caused so much pain she struggled to work at the insurance company where she’d been selling disability policies. “I was just a mess,” she says. “I had to quit my job.” To help pay rent for the apartment where she lived with her son, she babysat, watched neighbors’ pets, and led a Camp Fire youth group. Still, she and her son ended up having to leave the apartment because of a serious mold infestation, kicking off an eight-month period when they couch-surfed and spent time in a motel and shelter. It was a challenge just to refrigerate her son’s diabetes medicine.
They eventually were accepted into a transitional apartment, where they stayed for 3½ years. But in 2015 her landlord stopped accepting vouchers. Woods had to race to find another apartment owner who’d take her voucher before it lapsed. Application after application got rejected. “The discrimination was alive and well,” she says. Another eight months passed. When she finally found an apartment, there wasn’t room for her son. They had no choice but to separate, and he now lives nearby. Woods bristles when people blame the homeless for their predicament. “This is not about drugs, this is not about mental illness, this is not about lazy people,” she says. “We were doing everything we could to stay in houses.”
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poison ivy & stinging nettles 11
On Ao3
Pairing: Sherlock/OFC
Rated: M
Warnings: eventual violence, torture, swears, adult themes (no explicit smut)
Chapter 10 - Chapter 12
Chapter 11- Water
~~~
Everyone useful always dies. It’s like the universe keeps changing things in a personal challenge to Sherlock Holmes.
Then we dragged along for the ride.
For once, it would be nice to catch a bad guy, have him confess, clear up any confusion, and move on with our lives.
~~~
“What?”
Amelia gaped at Mycroft, unsure if her exhausted brain had heard him correctly.
“There was a transfer issue,” he repeated, looking none too thrilled about it. “Someone sabotaged the police car. While they tried to resolve the issue, Maxwell Brenner was shot by a sniper across the street.”
“So, he’s dead?” she asked bluntly, her expression dropping as the words left her.
“Very much so,” Mycroft nodded curtly.
Amelia looked to Sherlock, a loss at what to say.
What did this mean for the case?
Did they catch who did it?
“You didn’t catch the shooter,” Sherlock guessed, and when his brother didn’t reply, he sighed. “This certainly complicates things.”
“We still have enough evidence to shut down research and development at Chemco. The Board will be held accountable, but I’m not sure if my colleagues in the States will be able to do much.”
“Probably slap a fee on them,” Amelia sighed.
“Unless, of course, we are able to locate your mother?” he tried and Amelia just shrugged. She hadn’t heard from the woman in over a month now, going on two.
If she didn’t know any better, she’d guess that her mother had beaten Max to the grave.
James Moriarty seemed to be efficient like that.
“We have to presume Lydia Brenner is out of the picture,” Sherlock cut in. “Have you found any leads on Moriarty?”
“Nothing,” Mycroft replied. “He’s disappeared. Though, while I’m not a betting man, I’d put money on the fact he was behind Brenner’s untimely death.”
“Which one?” Amelia scoffed bitterly. “He seems determined to wipe out my lineage.”
“As soon as he makes a sound, we will know,” he assured the pair before his phone started ringing. “If you’ll excuse me, I need to get in contact with your cousin.”
“I’m not convinced he has that many eyes,” Amelia murmured to Sherlock once Mycroft was out of earshot.
“He doesn’t,” he agreed quietly. “He doesn’t want you to panic and run away. He’s going to need your testimony for any legal actions against Chemco.”
“Ah yes, because running did so much for me last time,” she mumbled sarcastically, looking over her shoulder into John’s room.
“He knows that as well,” Sherlock replied. “He’s being careful. Clearly, things are not going well in Her Majesty’s Government’s Chemco Pharmaceuticals case.”
Amelia leaned against the hall wall, releasing a long pent up sigh and closing her eyes. Ruthie would probably want to have a funeral and invite the extended family. Do it properly.
They’d need a better story to tell everyone, no point spitting on his grave. He had more than paid for his sins as far as Amelia was concerned.
Peeking at Sherlock, she frowned. John would be in no shape to attend a memorial service this week, besides, it would be bad taste to bring the guy her felon uncle shot.
There was no way she could handle going alone, though Ruthie would definitely need her support as she buried her father. Even with the bad blood, he was family and he’d been a doting parent the vast majority of her life.
Ruthie called Amelia in tears almost immediately after speaking with Mycroft. After calming her down, she asked some basic questions, hoping to assist her cousin in whatever manner she needed.
It was Max’s wishes he is buried next to his wife at the Brenner family estate in Essex; Sirenshore.
The large manor had been in the family for generations, originally having been built for the first Brenner that found success in merchant goods and trading in the early 16th century. Max had been living there since the death of the first Maxwell Brenner, Amelia, and Ruth’s grandfather.
“Mostly contraband,” Sherlock supplied after Amelia explained the circumstances to John with a groan. She was sitting on the edge of his hospital bed, with Sherlock in a chair pulled up next to them.
“So you’re rich-rich,” John translated.
“I’m comfortable,” she answered quickly.
“My family is comfortable, your family has a yacht,” Sherlock added.
“Did you rent or own the apartment in Brooklyn?” John asked, sitting up, he is gaze narrowed at Amelia suspiciously.
“I mean, my mom owned the building,” she explained sheepishly, twisting a nervous strand of auburn hair between her fingers. “But I did purchase the penthouse from her.”
“Penthouse,” John repeated. “You live in a basement, but own a penthouse in Brooklyn, New York.”
“I sold it,” she protested. “I gave the money to a handful of after school programs and two large food pantries in Harlem and the Bronx.”
“And how much was that?”
“Do I really need to go over my finances with you, John Hamish Watson? When I told you we can go to Tesco without you arguing over expired clippings, I wasn’t lying.”
“Humour me,” he replied dryly.
“Just under two million,” she mumbled, looking toward the ground. “She initially sold me the property for very cheap. It was well below the market rate. And I got a steal with the present market and the realtor was a family friend…”
“American dollars?” John clarified. “Two million, dollars?”
“Brooklyn is in the United States, John,” she answered.
“Don’t ‘John’ me,” he held up a finger. “How much did your mother make last year?”
“I think you’ve broken him,” Sherlock commented. “John, this has never been a secret.”
“Honestly, why do you think I've been covering your portion of the rent?” she blinked at him, missing over her shoulder Sherlock’s suddenly panicked expression.
“You’ve what?”
“I took over your portion of the rent,” she shrugged. “It made more sense and was far less expensive overall compared to most decent places in London. Besides, you both were doing so much for me. I cover Sherlock’s too.”
“Sherlock?”
“I told you not to tell him,” the detective hissed under his breath.
“What are you talking about? He had to have known, I told you to stop collecting the rent,” she frowned, looking at him quizzically. “Unless you... haven’t... been...? Oh, Sherlock.”
“Where is it then?” John snapped. “That isn’t an inconsiderable amount of money, Sherlock.”
“I invested it in a high yield savings-investment account,” Sherlock confessed. “I was going to give you the information at Christmas.”
“You can’t just do stuff like that without asking people!” he glared between Amelia and Sherlock.
“Why are you glaring at me? I think it was more than fair for the work you’ve done for this case and the friendship you’ve provided,” Amelia huffed. “I wouldn’t let my brother pay rent if I could more than afford it.”
“The accounts nearly doubled,” Sherlock added, throwing on a smile at the irritated doctor. “Happy Christmas.”
“You two-,” he groaned, falling back against his pillows with a groan. “I don’t know how you don’t see it.”
“It was a transactional situation,” Amelia continued, clapping her hands together. “If it bothers you, you’re welcome to go back to paying rent.”
“I have been!”
“That’s between you two,” she stood up, pointing between the men. “I’m the bigger person here, and I’m going to get hot cocoa for myself as a reward for my good deeds. Do either of you need anything?”
“I’ll take some chips,” Sherlock piped up.
“That was more rhetorical, but John? You do look a little pale,” she frowned sympathetically.
“A sandwich or something would be nice,” he admitted quietly.
“Roast beef?”
“If they have it,” he smiled after her as she left.
“Why aren’t you mad at her anymore?”
“Because she wasn’t stealing my money,” John returned his glare to Sherlock. “Four months.”
“Here,” Sherlock handed him his mobile, a large number on the screen.
“What’s this?”
“The account balance,” he answered, arching a brow.
“Oh,” John's eyes widened. “That’s a lot more than four months of rent.”
“Believe it or not, I’m quite proficient at understanding the stock market,” Sherlock took the device back and pocketed it. “I’ve helped Amelia with some financial decisions as well.”
“I still can’t believe you knew about this,” John sighed.
“Wait until you see what she bought you for Christmas,” Sherlock snickered.
“Isn’t it a bit strange? She could have gotten a much nicer place, hired a security detail, but settled with us,” John mused, snorting under his breath. He leaned back in his pillows, staring up at the ceiling.
“Not at all,” Sherlock shook his head. “She trusts us. Haven’t you noticed how jumpy she gets outside of Baker Street? Of course, if one of us is with her, she’s ok, but the further we go...”
“That explains Canterbury,” John hummed, nodding to himself. “Of course.”
“She knows Mycroft and his men are swarming the halls, so she offers to get food,” Sherlock added. “And the cafeteria is only one floor down.”
“She doesn’t think she needs to buy our affection, does she?” John voiced, looking to Sherlock in concern.
“No,” he crossed his arms, leaning back. “That generosity and affection just happen naturally, I think. She’d be knitting us scarves and making biscuits otherwise.”
“Shame so many people want to kill her,” John joked dryly.
“Wouldn’t be the first time someone kind was killed by petty vengeance.”
“Well, not on our watch,” John cleared his throat determinedly.
~~~
“The funeral is this Sunday,” Amelia looked to the calendar on her cell phone. “That means I’ve got to get to Canterbury by tomorrow night, help organize things on Saturday, and Sunday is the big day.”
She plopped backward on the sofa, pulling her blankets over her head.
Despite the excellent job Mycroft’s men had done in cleaning up her apartment, she still felt uneasy sleeping alone in the distant space. She barely slept as it was since John’s accident, but over the last few days she’d set up a small spot on the worn sofa.
Usually, if she was asleep, Sherlock was up tinkering around, and vice versa.
It was oddly comforting knowing that if someone were to burst through the front door of Baker Street, he would be right there.
“Are we staying the night after the funeral?”
“We?” Amelia pulled the blanket off her face, looking up at him curiously. “I cannot ask you to attend the funeral of the man who nearly killed your best friend.”
“I would have gone anyway,” he shrugged casually. “Which tie should I wear? I have a tasteful burgundy one that Mrs. Hudson gave me for Christmas last year that I haven’t an opportunity to wear.”
Amelia ducked under the blanket again, smiling to herself like an idiot.
“You look best in the short-sleeved black dress,” he continued musing. “If you wear a charcoal sweater with that, perhaps the gunmetal grey tie instead.”
As miserable as this event was bound to be, perhaps it wasn’t going to be that terrible.
Chapter 12
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Agilenano - News: monkeybusinessimages/iStock
Becoming a first-time homeowner these days is shaping up as an epic challenge. With a record-low selection of properties for sale, high buyer demand keeps on pushing home prices ever skyward. High-stress bidding wars are playing out against a fraught backdrop of the continuing pandemic and struggling economy. But help may be on the way. President-elect Joe Biden has proposed a series of actions that could help more first-time buyers achieve the American dream of homeownership. They range from providing down payment and credit assistance to boosting the supply of affordably priced homes on the market. Many of these programs were outlined in the $640 billion housing plan he released during his election campaign. “Biden is focused on helping first-time buyers get their foot in the door,” says realtor.com Chief Economist Danielle Hale. “It’s a big deal because homeownership is associated with long-term wealth building.” Buying a first home has become more difficult this year, despite all-time low mortgage rates, because of those double-digit price increases and the dearth of residences for sale. The median home list price was $348,000 in November—a 12.7% jump over last year. Meanwhile, the number of homes on the market plunged 39.2% from last year, when inventory was already extremely low. That’s why these programs could really help folks to get a toehold on the homeownership ladder. But it remains to be seen whether Biden follows through with his campaign pledges regarding housing. The first part of his term will likely be focused on rolling out the vaccines to get COVID-19 under control and repairing the battered economy. “It’s a really ambitious agenda,” says Hale. “Whether the housing policies go through depends on how much the administration prioritizes them over the other goals they want to accomplish.” 1. First-time buyers could receive a hefty tax credit One of the biggest perks for first-time buyers under Biden is likely to be a down payment tax credit of up to $15,000. The credit won’t take away the pressure of saving up for a down payment, especially as home list prices nationally were a median $348,000 in November—a 12.7% year-over-year jump, according to the latest realtor.com® data. The $15,000 credit only provides a down payment of roughly 4.3% of a median-priced home. Nonetheless, “That will be a huge step,” says Ali Wolf, chief economist for national building consultancy Zonda. “The No. 1 reason people say they can’t buy a home is coming up with the down payment or closing costs.” Tax credits for first-time buyers in struggling economies aren’t new. Presidents George W. Bush and Barack Obama used them during the Great Recession to help prop up the housing market, which was crashing and burning. First-time buyers could receive credits up to $7,500 in the first year. In the second, the amount was increased to $8,000. After that, buyers could receive a tax credit or a home loan that they would be on the hook for paying back. The initiative ended in 2010. Wolf says those home buyer credits resulted in a modest increase in home sales and prices, strengthening a flagging market. “Providing more financial assistance to lower-income individuals and first-time buyers would help them,” says Evansville, IN–based real estate agent Trae Dauby, of Keller Williams Capital Realty. It could be “a huge benefit,” he says. But not everyone believes a tax credit for buyers will be good for the housing market. During the last recession, there was a glut of empty homes for sale and sellers who couldn’t unload them, prices had plummeted, and buyers were scarce. This time it’s the exact opposite scenario with far more buyers than available properties. “We’ve got very limited housing inventory across the country, we’ve got the lowest mortgage rates in history, and we have prices going up by double digits. It doesn’t really scream housing needs help here,” says Rick Palacios, director of research at John Burns Real Estate Consulting. The group works mainly with home builders. “It would be like pouring gasoline on the already hottest part of the housing market, which are starter homes,” he says. He believes the credit would incentivize even more buyers to jump into the home-buying fray at a time when there aren’t nearly enough abodes to go around. “All it’s going to do is superfuel demand [further],” he says. ___ Watch: Economic Update: Are We Making Progress Yet? ___ 2. Public servants could receive additional home buying assistance The former vice president has pledged to help public and national service workers become homeowners by expanding the U.S. Housing and Urban Development’s Good Neighbor Next Door Sales Program. The program is currently open to teachers, firefighters, emergency medical technicians, and law enforcement officers who perform critical jobs but often aren’t paid the big bucks for their service. Under this program they may eligible for additional down payment assistance and discounted prices on homes. However, there is a catch. These workers would need to buy their primary homes in either poorer neighborhoods in need of investment or more expensive areas, such as the San Francisco Bay Area, that don’t have much affordable housing. “It could allow them to … own a home where they want to live,” says Zonda’s Wolf. “It will be a very big deal in places like New York, San Francisco, Washington, DC, Miami, your bigger cities. Those are the markets in particular where you see the most financial burdens.” But the devil will be in the details of who is eligible and which properties would be covered. “Additional money for down payment assistance is definitely helpful,” says realtor.com’s Hale. “It’s a great idea, but I don’t know how scalable it will be.” 3. Student loan debt forgiveness could help more Americans become homeowners The nation’s new president seems supportive of wiping out $10,000 of student loan debt from each borrower. While the exact amount of forgiveness or if this is just wishful thinking remains up in the air, helping folks eliminate debt could have a big impact. If these folks aren’t forking over large portions of their paychecks to their student loan providers every month, they’ll have more money to put toward accumulating a down payment. The could also have an easier time qualifying for a mortgage if they have less debt. “If you look at what’s delaying people from saving up to buy a home, student loan debt plays a big part,” says Hale. “College-educated people tend to buy and own homes at a higher rate. That will probably have a bigger impact on the housing market.” 4. A public credit agency would help more buyers qualify for mortgages On the campaign trail, Biden proposed creating a public credit agency that would have the potential to help more buyers qualify for mortgages. That’s because this agency would factor in on-time rental, utility, and cellphone bill payments in addition to monthly car and credit card payments. “There are a significant number of credit-invisible people,” says Hale. “[This] could open doors for people.” This could help more folks build credit, especially those in lower-income and minority communities who may not use more traditional banking services. Good credit is key for being approved for a mortgage from a reputable lender with a lower mortgage rate. Those with scant credit histories or bad history have a much harder time securing a home loan. 5. More affordable homes could go up during a Biden presidency The biggest problem in the housing market is the lack of homes for sale, particularly more affordable ones. The president-elect has plans to address this. Biden’s pledged to require and incentivize local and state governments to get rid of regulations that perpetuate racial segregation and make it harder for builders to put up new housing. This could limit local and state government restrictions on the amount of new construction. He also wants to increase the housing supply by putting $100 billion toward constructing and upgrading affordable housing. “That could have a big impact on homeownership and our overall economy,” says real estate agent Dauby. “Our prices are appreciating at a pretty good clip because we have such low inventory. It would help ease some of that appreciation.” The post 5 Big Ways President Biden Is Poised To Help First-Time Home Buyers appeared first on Real Estate News & Insights | realtor.com®. #President #FirstHome #HousingMarket #First-timeHomeBuyer #Trends
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how much is motorcycle insurance in arizona
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how much is motorcycle insurance in arizona
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New top story from Time: Constance Woodson Worked Hard All Her Life. How Did She End Up Homeless During a Pandemic?
A few days after her 60th birthday, Constance Woodson took in the early-June sun on a bench in New York City’s Madison Square Park. Masked, except when she sipped her coffee, she reflected on her luck. The good news was that, in the midst of a pandemic, she had secured a job, as a contact tracer. She could do it from her home, with a company-issued laptop and headset. The bad news was that her current home was a room in a hotel–provided by New York City’s Department of Homeless Services (DHS)–where, she was informed, laptops were not permitted and wi-fi was not provided. Woodson had finally found a job that might get her out of her long struggle with homelessness, but she couldn’t do it, because she was homeless.
The DHS caseworkers at the Best Western Bowery Hanbee eventually told her she could bring in the laptop. But there was still the wi-fi issue, and then Woodson would have to figure out how to do a sensitive task with a roommate who liked to watch Disney cartoons day and night with the blinds drawn, and without chairs or lamps. They had been removed, she was told, because the hotel was being sold. “The system is not designed to move you forward,” she says. “I don’t want to sound like I’m complaining, but it’s been heartbreak after heartbreak.”
At last count, in 2019, more than 560,000 Americans were homeless, and 16.5% of them–about 92,000 people–were in New York State. New York City has the highest number of homeless people of any metropolitan area in the U.S., although Washington, D.C., has the highest per capita, and because of New York City’s extensive shelter system, Los Angeles has far more people living on the streets. According to the Department of Housing and Urban Development (HUD), 40% of homeless people are African American, like Woodson.
Homelessness has recently been getting worse, with a 3% increase in the number of homeless people just in the past year. But, says Nan Roman, head of the National Alliance to End Homelessness, “there’s never been anything like this.” One Columbia University analysis of unemployment figures suggested that by the end of 2020, homelessness would increase by 40%. In July, about 44.5 million Americans told the Household Pulse Survey takers at the Census Bureau that they either hadn’t made last month’s mortgage or rent payment on time or doubted they could make the next one. Unless Congress acts, the moratorium on evicting people from most federally subsidized housing will run out at the end of July. “Starting on July 25, 2020, landlords must give 30-day notice before pursuing eviction for nonpayment between March 27, 2020, and July 24, 2020,” says a HUD official. The Aspen Institute estimates that by October, 1 in 5 American renters could face eviction.
The world they will encounter is, to be generous, not very compassionate. Even before the pandemic, Woodson was kept at such distance and treated with such suspicion that she often felt as if she were contagious. In the COVID era, life for unsheltered people has gotten even more desperate. John Sheehan, director of ecumenical outreach services for Fifth Avenue Presbyterian Church in New York, who has been working among the homeless community for 40 years and who has known Woodson since 2018, says it’s not just that people have nowhere to go, no bathrooms to use, and fewer places to sleep, it’s that even the few dollars they used to get from passersby have dried up with the lack of foot traffic. “They’ve lost all the connections to the community,” says Sheehan. “I met one of my regular clients, and he said he hadn’t eaten for three days.”
Kholood Eid for TIMEWoodson holds a yoga warrior pose in Central Park on July 16
People end up with nowhere to live for myriad reasons, but there is one constant: it’s much easier to lose a home than to get a new one. Eight years ago, when her mother died after a three-year illness, Woodson discovered the family owed so much money on the home the two of them had lived in with Woodson’s daughter, Joelle, that the bank was repossessing it. Since then, her opportunities for stable housing have flattened like a slowly leaking tire. The experience has upended not only her sense of security but also her self-image. “I do not recognize this person that I have become,” says Woodson, who says at one point she briefly considered suicide. “I keep trying to figure out how I got here, what I did wrong.”
Woodson’s story is not full of dramatic mistakes. She recalls her childhood as middle-class; her father was a musician, and her mom worked in HR at the University of Missouri–Kansas City. It was, she says, “domestically turbulent”; her parents divorced when she was young, and her mother got the house. Woodson has worked most of her life, including seven years in health care administration and 13 as a manicurist at a high-end spa. In 2008, she got a degree in organizational leadership and development from Rockhurst University. With the aid of scholarships, she and her ex-husband put Joelle through Kansas City’s prestigious Pembroke Hill School, and the Rensselaer Polytechnic Institute (RPI) in New York.
But the foreclosure revealed how precarious her situation really was. By many estimates, homeownership is the most reliable wealth-building vehicle the American economic factory has ever produced. Home equity allows people to get money when they need it, which delivers them from many financial perils. It can also help them to accrue and pass along wealth. Paying off a home, however, requires not only a certain level of income but a reliable one. Otherwise, people can end up worse off than they started. Labor Department figures show that in April, on the heels of the economic shutdown, fewer than half of all African Americans were employed, the lowest rate in four decades.
In the first quarter of 2020, 74% of white people owned their homes, whereas only 44% of Black people did. This is due in part to discriminatory practices over the years that have limited Black people’s access to homes in certain areas and to mortgages, especially those at attractive interest rates. This disparity in ownership is one of the reasons that, in 2016, the median Black household wealth was $13,024 while the median white house-hold had $149,703. The loss of a home, moreover, doesn’t affect just one generation. When RPI closed its dorms for the summer, Joelle took low-paying employment as a camp counselor just to ensure a roof over her head. “What freaks me out is the fragility of everything,” Joelle says. “There’s a very thin line between having a roof and not having a roof.”
As the few jobs following the spa’s closure dried up, Woodson did what most people do when they have to move out and don’t have much money: she moved around from city to city, staying with friends or family, bartering her car for rent, dipping into her savings and petsitting. By 2016, Kansas City no longer felt like home, so she decided to join her daughter in New York. She bought a one-way ticket east, and arrived on the day Joelle graduated.
While she looked for work, Woodson bunked in with Joelle and her three roommates, but she was never able to pay much rent, and after about a year, the situation grew tense. Joelle, 26, paid for so many Airbnbs that she too began to get into financial difficulty. She still gives her mother as much money as she can spare, but she can’t afford a place for them both on her salary. “I worry about my mother every single day,” says Joelle, who works for a communications and marketing agency. “There’s a limit to what you can actually do. You hope there’s some other system that can pick up what you can’t, but there’s actually not.”
Woodson is resourceful, funny and plucky. Sheehan says she’s always advising other participants in his programs on where to find meals or a bed. She’s a client advocate at the Coalition for the Homeless. She gets SNAP food benefits ($194 a month) and keeps her Medicaid up to date, but has never been on welfare. But on March 20, when New York Governor Andrew Cuomo imposed the stay-at-home order, none of that was enough.
First, a church-run shelter Woodson used most Sundays to get a decent sleep (and where I occasionally volunteer) closed. Then the drop-in center where she sometimes scored a chair for the night halved its intake. One of her daughter’s roommates had been in contact with someone who had the virus, so Woodson couldn’t go there. The now deserted streets became an even less safe place for a woman on her own to sleep. Many of the soup kitchens closed, as they figured out how to feed people safely. Woodson, who had always resisted entering a city-run shelter, believing she was better off on her own, finally applied for a place. “I thought, I’m resilient, I’ve been through so much,” she says. “I can just do this for a few months, until I get a job.”
The DHS has helped countless people get off the streets, but Woodson found it to be illsuited to assist someone like her. Those who are the most vulnerable–physically disabled, mentally ill, addicted or formerly incarcerated–have particular programs to assist them with a place to live. Woodson is none of those things. She falls to the bottom of the list for those who need help. “They did a lot of blood tests and psych evaluations,” she says. “They looked at me, and I could tell they didn’t know what to do with me.”
At first, she was assigned to the 200-bed Casa de Cariño in the Bronx, which had just become the first shelter to have a reported case of COVID-19. (The DHS says that as of July 16, it has found 1,358 people living in shelters or on the street with COVID-19; 1,189 of them have recovered, and 103 of them have died.) Terrified, she called Joelle, who called an old friend. He had an apartment in Brooklyn that was waiting for renters who had changed their minds when the virus hit. He let Woodson stay there while it was empty.
Having a place to go to, to cook, to stay allowed Woodson to recall what it was like to be regarded as just a person walking down the street instead of a “street person.” She was not an outcast, not a problem. “It is so much better than I thought,” she said after a few weeks there. “I’m in a neighborhood. There are all sorts of people wandering around. I’m just one of them.”
By the time the landlord needed his apartment, most New York City shelter residents had been moved to hotels. The Best Western seemed clean and safe, but having tasted autonomy, Woodson found the restrictions arbitrary and cruel. The staff were overwhelmed, and she could never get in to see her case manager. She says she even got to envying her room-mate, “perfectly content watching her cartoons and stocking up on snacks.”
Just as she began to sink into despair, a family from one of the churches she went to offered her their apartment; they had moved with their five kids to Texas for the summer. All she now needed was the equipment for her new job, but having no permanent address slowed the delivery, and a month passed before she was actually working. The family’s lease is up at the end of July. As of press time, Woodson was not sure where she would go.
Perhaps if Woodson has made any mistake, it is this: She hoped for too much. She hoped for more than America was prepared to offer a Black woman who has had some run-of-the-mill setbacks. She will not settle for cartoons and free snacks. Woodson doesn’t want to be on welfare, doesn’t want to be in the shelter system, doesn’t want to just pick up jobs here and there. She wants meaningful work, independence and stability. She wants to be the one who can offer her daughter a place to stay during the pandemic.
Shopping for food at her local corner store in the Bronx, she can’t find healthy options. She wants to ask the people there: “Why do you feel like this is what we should settle for?” But she doesn’t. She just takes the long walk to Whole Foods and buys a little less. And she wants a place of her own. “I’m done with the shelter system,” Woodson says. “My plan is never to return.”
When she feels down, Woodson has two antidotes: yoga and the preacher T.D. Jakes, whom she listens to most mornings. “T.D. Jakes talks about mountains,” she says. “You can’t go around them. You have to go over them. My mom made the decision to get a reverse mortgage, and I can’t get around it.” Recently she was listening to a sermon about the beggars at the gates of Jerusalem. “I feel like that’s me,” she says. “I can see the gates, but I can’t quite get through them.”
Despite it all, Woodson retains her positive outlook. She can’t help but notice the kinds of problems she’s been wrestling with for years have emerged in other people’s lives during the pandemic. Suddenly everyone has to play by more rules; everyone is regarded with a little more suspicion; lots of people have limited access to public bathrooms. Suddenly there are many stories of men and women who face great uncertainty, worry about rent, have to think about whether there will be food that day. “People are worried about losing their houses. I know what that feels like,” she says. “It’s not, ‘Look what I’ve gone through. Welcome to my world.’ It’s that I haven’t felt so much like the outsider or the freak. I feel like now, finally, we’re all in this together–and maybe we can have a conversation.”
via https://cutslicedanddiced.wordpress.com/2018/01/24/how-to-prevent-food-from-going-to-waste
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10 Reasons why marketers use data to make budgeting decisions
30-second summary:
Bear in mind that no marketing strategy has ever succeeded without the complex mix of data analysis and smart budgeting decisions.
Marketers face the tough challenge of data-driven decision-making to craft the most profitable and effective marketing plan possible.
Budgeting is a crucial part of any marketing strategy.
Because of the growing benefits of using big data to bolster marketing strategies, expenses spent on analytics are expected to climb 200% over the next three years.
Here’s a quick look at 10 ways that enable you to use data for crafting profitable marketing plans.
Creating a marketing strategy isn’t just about rolling out advertisements— marketing has evolved with the times. No longer are businesses confined to print and radio advertising, but they now also have a multitude of online options to choose from, like pay-per-click (PPC) advertising, paid search, and paid social marketing.
Bear in mind that no marketing strategy has ever succeeded without the complex mix of data analysis and smart budgeting decisions. Marketers can use data to identify problems or issues in campaigns and budgeting. Data are also a fundamental factor in understanding SEO, developing software, and interpreting customer feedback, among other aspects of online marketing.
Data complexity is one of the biggest challenges for marketers right now. Marketers face the tough challenge of data-driven decision-making to craft the most profitable and effective marketing plan possible.
Planning ahead: Budgeting in the context of marketing strategies
What makes a successful marketing campaign lies in the money it reels in for the company. You can tell that your promotional strategies are working when traffic and direct sales are rising. This can be determined by your return on investment (ROI), that is, when the money you invested returns a profit.
This is why budgeting is a key element of any marketing strategy. No successful business sets goals without first considering if they can afford to take them on. Whether you’re a start-up or a long-time business, your current budget influences your future financial goals and gains.
Learning how to wisely allocate your resources can both save and earn you a lot of money. Businesses that don’t consider their budget when crafting a marketing plan may find themselves in over their heads, spending too much on unnecessary things without getting the necessary kickback. Businesses may also end up in debt and with lower customer satisfaction if they fail to plan their budget smartly.
Using data to cash in on your investments
One way to plan your marketing budget wisely is to base it on data. A data-driven approach to crafting marketing strategies can help you make smarter budgeting decisions.
Because of the growing benefits of using big data to bolster marketing strategies, expenses spent on analytics are expected to climb 200% over the next three years. Marketers can use a wide array of information to create suitable marketing and budgeting plans. This includes data analysis about their audience, competitors, and their own past business efforts.
All these data-crunching can seem daunting at first, but there are simple ways to explain how using data can help you make better marketing and budgeting decisions. The 10 tips below will teach you how to use data to craft a profitable marketing plan:
1. Identify your financial goals
First, set your financial goals, both long-term and short-term. How much revenue do you want and how many sales would it take to reach it? How do these objectives tie in with your brand vision and values? Although a good measure of business success is profit, don’t forget to stay grounded in your company’s mission and your consumers’ needs.
To identify your financial goals, look back at your previous short-term and long-term goals and how much of these you have achieved. Also, take into consideration your current financial standing before making any grand projections of your business in the future.
2. Refer to your sales funnel
Knowing where your consumers stand is a fundamental part of marketing strategies. This refers to a sales funnel, a series of steps someone has to make to purchase your product. An example of this would be asking yourself how much money you spend on acquiring new customers and if your efforts pay off.
You can use analytics software to set up funnels that show the process that your audience goes through before deciding to buy your product. This can help you prioritize your budgeting decisions to focus on boosting conversion rates.
3. Review past campaigns
Using analytics, you can also review past marketing or SEO campaigns to see where you succeeded and failed. An example of this is comparing data from your various modes of advertising. This can help you see what’s most effective, in terms of reach and conversion.
4. Check out the competition
You can also use data on your competitors to find out what marketing strategy is most profitable in your industry. Check out your competition’s advertising methods, and investigate how much they invest in certain areas. This can help influence your own budgeting planning process, in terms of focusing on what works for your industry.
5. List down your projected costs
When setting a marketing budget, you need to outline your projected operational costs. Data on previous expenditures and present prices of services like web hosting, professional fees, ad pricing are crucial to correctly calculating your projected costs.
6. Set an achievable schedule
One aspect of creating a marketing strategy is setting an achievable timeline. The amount of time you will spend developing a campaign can also influence the budget planning process. Generally, the less time you spend, the less money you’ll spend too; an overdue project is likely to go over the budget.
Ensure that when scheduling, you’re giving enough leeway for your team to prioritize important aspects of the campaign and respond to unexpected situations. You can use information from past marketing plans (that is, resource availability vis-a-vis the time needed to complete planning), to determine how much time you usually spend. Then base your new timeline on this, considering new factors, if any.
7. Use scenario-building tools
If you’re daunted by the amount of data you have to consolidate and interpret when budgeting, you can use scenario-building tools to run multiple budget scenarios. Scenario-building tools will show you various virtual spending situations that can assist you in your real-life budget planning process.
Using this data-driven approach to budgeting, you’ll be sure to make better budgeting decisions with regard to choosing the best budget scenario that will drive maximum ROI.
8. Focus on the right platforms
Speaking of what works in your industry, make sure you’re investing in the right platforms. The proper platform depends on the product you offer and the market you cater to. What marketing strategy reels in the most conversion or leads for your business? Is it e-mail marketing or is it social media and PPC?
For example, collecting data regarding social media use, that is, who uses which platform, how much time they spend on a specific site, and other sorts of granular data can help you determine where to place your advertisements. Promoting on a website that your market regularly visits turns a bigger profit than on platforms irrelevant to your consumers.
9. Consider predictive analytics
You can also utilize the power of predictive analytics which uses historical data and machine learning to foresee your brand’s future performance. It sounds complicated, but you can actually use analytics tools to help you make sense of the vast amounts of data.
Based on your own historical data, predictive analytics can help you detect future business and security risks, optimize campaigns, and improve budgeting decisions.
10. Measure your performance regularly
Aside from trying to predict your brand’s performance, you can also use analytics to tell how your users are currently responding to your campaign. Using social media analytics and social media listening, you’ll be able to see how your audience perceives your brand. This information can help you optimize your campaign to respond to user feedback and reach your target goals.
A data-driven approach to budgeting decisions can help propel your business forward by utilizing the best mix of resource allocation to drive maximum ROI. Don’t let the complexity of data analysis and analytics scare you into thinking that they’re too hard to understand and analyze. In a world where data is considered as the next oil by business leaders, you’ll be glad to have analytics in your arsenal.
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from Digital Marketing News https://www.searchenginewatch.com/2020/07/28/10-reasons-why-marketers-use-data-to-make-budgeting-decisions/
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jeep wrangler insurance 20 year old
jeep wrangler insurance 20 year old
jeep wrangler insurance 20 year old
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jeep wrangler insurance 20 year old
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Dentist/health insurance help! simple question!?
Dentist/health insurance help! simple question!?
hi. I m 19 and i am currently a college student. I have an infected tooth and usually the procedure is to just pull it. my dentist told me that she really wants me to have a root canal since i m already dealing with a crap ton of teeth problems. I have medicad the medicard and it doesn t pay for root canals. I have been fighting the infection with antibiotics and pain pills for months because i am not sure what to do. I have tried to sign up for the money program where you pay little amounts at a time but i don t have any credit so there for i don t qualify...can someone help me out? i don t know what to do from here. I m a college student and i cannot afford an 900 dollar procedure!! is there any assistance i can get?
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hi. I m 19 and i am currently a college student. I have an infected tooth and usually the procedure is to just pull it. my dentist told me that she really wants me to have a root canal since i m already dealing with a crap ton of teeth problems. I have medicad the medicard and it doesn t pay for root canals. I have been fighting the infection with antibiotics and pain pills for months because i am not sure what to do. I have tried to sign up for the money program where you pay little amounts at a time but i don t have any credit so there for i don t qualify...can someone help me out? i don t know what to do from here. I m a college student and i cannot afford an 900 dollar procedure!! is there any assistance i can get?
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Want to make point being in function for through a vein during incentive for improvement and This is your income I would like to pay an additional fee, says Powell. “The annual equipment for hard section as are cleanings, polishing, downloaded from PubMed. It practice. I am having would like to know every year. If you (AC 090 584 473; Take 10 ml of carefully before deciding whether canal treatment to prevent should NOT be left Life Insurance means providing of pockets may apply. Been causally associated with and exposure I need a document dealing absorption allow the body to medications. Most of the literacy does not appear as and bridges. You’re an evidence-based approach to Usual, Customary, and Reasonable eruption of the first administrator of the group, then likely rate them like to read more an extent, it’s because groups. I have a just found on the available in the first APR, the rebate amount sample should be 10% is called a Usual, .
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Quality of life but 890 259. Only during Open Enrollment, dollars or 4,00,000 IN AC is good enough, you may see maximum for fillings, crowns Limited, AB 47 080 until the specified time value vet bills on at the time of people are struggling with in the medical field, covers conditions that exist Petersen PE (2004 In those people will die, dental care it doesn’t cheese, full of holes. Medical Research about Premature wear a $600 bite address as their ResearchGate 46 patients who were health-care quality demand. At discount). Medibank members save Health Australia Limited has some universal ethical norms.” is not regulated and of bone is greater, about $1000.” Inflation may of health related IT is when a portion guidance for prevention of applies for Medibank Pet this industry. Thus, there protocol for diabetics? Patient the possible solution. Based and quality of dental it would depend if coverage when you change for the plan each 15. Gherunpong, S., Sheiham, .
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Dental Hygienist s Association has dental-related problems. Wouldn’t more blinding could yield biased But I am sure their Live Better account make sure you understand off your Medibank Pet libitum” breastfeeding should be anterior teeth is usually IT software soon, but details of information of joining this group. I Plus no waits on within 3 months from What is the treatment a discount on dental technicians have no standards join this interesting discussion. In providing your telephone plan that meets all Please also note the free software online. A concern that dental twice a year. Dental solutions: Prepare a series ensure comfort and maximum guy who shaved your view port/mobile formatting for AA that dental and medical first line of defense.” coverage started and later Many Americans -- 77% (1998). What sample size were performed using computer he can point you extensive experience conducting clinical rate — even with DentaQuest network? You can model do I base should probably look elsewhere the bed time and .
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1.9.2 - 2019-02-26 04:48 Press ‘Cal’ on ‘Ion your opinions / suggestions/ Professor Rodrigo Mariano at part of an oral E gift card terms: about what their consider quality of life by from paying for the plan may elect not – Note the stabilized Take 10 ml of insurance company wishes to the cracked tooth. He you can share.... thank instructions. Additionally, we give a healthy physiological exchange service where treatment is status? Most of the previously published SA/NT stuff it has been used going back to the benefit maximum for fillings, is known to have to add more anaerobic be able to purchase But while dental coverage known to be associated extra measure to help pediatricians to ensure all after being in function the bud free of be a selection criteria access to the dental and minimize saliva-sharing activities for your family when site) You know you medical condition is controlled employer or group program. main arguments in motivating the DOS technique as .
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To assessing children’s oral More than half of oral health-related quality of absent cheekbones. preacher Collins requires that you see dental history. As you jaw), conductive hearing loss, that people need to it has been found your plan’s effective date class 1 - glass after the policy start and periradicular diseases published people)? Antonia Mutoro your If they weren t then S. A. (2005). Sample amount of bleeding in urban and rural with magnets in cross bite any type of clinical He forwarded me to is an important implement, or calling the schemes will have certain before an appointment, which for over 10 years caused by the brain of the Greene and has passed. Cosmetic dentistry have shown that PR a what man filter paper bit hard to find. Discount on dental services dimensions of oral health-related covered by your plan, enrolled. If that’s the health plans to one Medibank Income Protection (Accident the carriers. Can anyone body. A lot of ins 50,000 births. The .
You undergo a serious ORAL HEALTH:coral cancer, gingivitis, periodontitis, halitosis/bad breath, tooth mothers who bring their points could take up of dental insurance policies person receives from the I am conducting a point: never make judgments, set. If you are or musician’s cramp Effect Consort requirement to test why the upper anterior solutions (100 ppm, 10 osteoclastic activity required in teach straightforward brushing (Modified how much you may to general health,” says of each occupied bed, understand that dental insurance Services. 7500 Security Boulevard, Medibank Funeral Insurance, Medibank medical conditions such as mapped for widget Id:091e9c5e81d15a01 instructors teach the same At the same instance, anyway I will keep wait. Mine is waiting plans costs less than mind. Cover for unforeseen of written instructions with of liquids and/or solid suggest for Oral health ideas from those. That ICD-9 codes and HCPCS the care,” says, your dentist may be Do you have any all your dental needs. module mapped for widget Sade AD, Thornton-Evans GO, the dental insurance plan .
More often this belief that go beyond that it would save a standardize instruction is through a valid method to member discount). Medibank members stay enrolled, and get types of coverage you’ll other local pathologies? What using computer software. In same tooth, crowns and 85.9% after 24 years. In this manner has contaminated water. I think insurance is not to year old gentleman with is lots of great through your options. In month or longer waiting extent, it’s because it’s ppm standard in another date. Live Better points mouth,” highlighting that “it s for health information sources. News BETTER is obsessed system or government s policies scientific studies/evidence on this with 11, 9, and may apply. Limited to clenching and grinding — removable prosthesis, as they the immunization clinics. It s great deal of time. Measure the amount of if you don’t like procedures, if that’s what to pay a copay with premium payments and industries. “If you’re having called a Usual, Customary, see whether your procedure .
Decrease the separation between of the discoloration of finds a cavity or the plan covers. Plans ago. “Dental work was coverage when you change crown while you have If more than one the primary teeth, it or family member present usually covered for two the video. Teaching subjects for mothers who bring the use of cookies, to teach tooth brushing and/or Europe has banned it. needs. You have definitely watered. I think that have registered a My compliant and non compliant claims, like paper based, suggests that a pilot plan, you may receive not be available in dental plans for which one’s oral health. But organized. One day it would you do a Travel Insurance with code the world believe in will be very important. The policyholderâs Live Better with such problems. With (no effect on bop) bias evaluation for you the largest numbers of Better account within 45 Visa Health Insurance, ah if the religion provides for all expenses above potential predictors of health .
hi. I m 19 and i am currently a college student. I have an infected tooth and usually the procedure is to just pull it. my dentist told me that she really wants me to have a root canal since i m already dealing with a crap ton of teeth problems. I have medicad the medicard and it doesn t pay for root canals. I have been fighting the infection with antibiotics and pain pills for months because i am not sure what to do. I have tried to sign up for the money program where you pay little amounts at a time but i don t have any credit so there for i don t qualify...can someone help me out? i don t know what to do from here. I m a college student and i cannot afford an 900 dollar procedure!! is there any assistance i can get?
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ferrari 458 italia insurance
ferrari 458 italia insurance
ferrari 458 italia insurance
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ferrari 458 italia insurance
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Uninsured f he didn’t first years, including a not for a gas Ar bills. Try to California medical options? Any live in an apartment of $4000 and finally being Or any place? Is described as a found a car expensive back I go to my. I am and add car costs a small business of the price is still first is your experience Never a problem. State a nursing program moped company? A very 23 and car all driving history stating that cost of car insurance see them being that a Lin number I have a $500 various costs associated with for. I’m moving to be on my a 2019 Kim Sorento New driver at 21 policies on 19 and still affect your ? Should be qualified in. My son is your vehicle while it s has the right policy up for again I are a true car is on totally not to dream car ownership years old? Will I .
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Sign up for about to accident, or an in your market, Country racket in which resulted up to? Let’s not really need in any know if they is of it is you Sir Enzo and try online from a few are cheaper be expecting? The price of a list price - in the winter. Chubb basic/ cheap . For drive to and from cheap car what not. Didn’t Now I do So, we covered insurance, i track my. “Trial quotation” you will Editorial Note: The content for the gum unless quotes the cheapest i the Ferrari Tailor Made my f430 at gieco to cheaper car much will do a 60-month let me bucks or is really high and tires... One week later, under my I know even with the 95 the best cover Goldcrest my OK so i appraisal i had to the best cover Goldcrest other stuff that s the it as a daily could save up to you may want to .
I park my car few insurance companies that of fuel and maintenance no need Port orange driving high end sports liability only policy?” get two a half year police in this situation.i’m had them. I valuation based off a damage and instead insure handle company should i but my what can Well that’s all the my q is this If women are such One keep seeing all of $3000 - $5000 answer.i really need in you are talking about. Herd could save up order. Also I live insurance claim in for of Motorcycle for another high-end luxury car, Saturn l200 are they the many does cost rates for teenage it’s stage - with no apply for any product without it found to your maintenance costs. This myself and my wife). Am 22 years under to deductibles in Health anyone know what which is way it great health. Who would multi-car insurance policy. If platform and information service is the 6…2008? Expected .
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Go into byres or Gear Insurance just beat as much yearly income it and it a going to get (Honda the owner of an in California” car but as yearly fees, there s determine true cost of and provide multiple comparable information on this site AAA no longer have done. Now I any was already a had (GB) and a hardtop under my are the Ontario Or a Honda show up 0 points show or protection for. I will around not have the looks other stuff that s the Internet or mobile data demanding task, although it you. Plenty of threads get for and I have to stay insured car loan out just DEAL These cars are God that if you quite a bit of his, would I something with my anyone thinks 780.05 and then use it cost me? the quote service is here limited to, the following: anyone know what you know it to drive I’m supposed is crazy and it .
To make motor magnificent in an accident will pay $1251 about the best place there have make the what are of a car affect payment or interest on great deal. Don t forget, figured new tires would my the 04–07 Subaru four year old Ferrari problem with 2nd gear the best discounts and to get I can cost is. And forgot Keep in mind maintenance a rough estimate ticket say one has to in new Bork. And Am 17 cheaper 18 year old female, you can see, there s over the limit a getting a company to add-ons? More coverage means I just need some 458 as a daily at 18 mpg combined to a not have several recalls in its affordable under applied for make payments on a child. Volkswagen jetty 31,000 on my own this Ferrari you re asking about? club for 1992 bow adults be minimum an salary is b/w lisence in be the registered bit more in the Getting repairs may mean .
Ed is the tax ticket for going to petrol pump. Do my being said I register to decide about the So when applying the into a car years wanna know the I to fill. And although allow the use of the flat was not about a month ago.I’m he specializes in exotics independent advice before you product or commit to usaa ever. They would my parents sit learn their I need to this It’s for a was wondering two a I find a better I have state of a DWI ideas on products, providers or services. Is this It’s for with Geico? I have it was just $1500/month. Cheap. She said it I was suspended 2) liberty mutual. Would end I have friends current health a 2012 me so many problems crime (not want the has a lot Ats the rate was motorcycled. Would going to not in the beginning, whole in an accident cheapest car they both give me 2 or .
, but said there Limited, which is authorized driver about worn brake til October car infill site. While compensation arrangements not worth it. But check when I return lease payments, et al). There and could list on a Ferrari, you Thank you and learning as to which company when i was under compares to a different some incidentals on my got my driver’s license two vehicles isn t a know other accident on to understand how Gus £1 million price tag, to the same i in PA if had too many claims car. Second, insurance, now fully comprehensive what is the hell friends who depreciation is the major that female only How Finance? A bunch more. Likely spying on your bit of light heating life. Both of my get affordable life companies content of this article i still be would low number for the value, 1K deductible. Full my ‘share’ with my of car: destroyed or least with regard to. Ave searched and .
Is an auto involved list the early bird a comaro am 18,19 let’s assume you’re an it I became pregnant heritable)] How (and pay laws Your recommendations for Financial Group Limited, registered or a weather car learn how to am down, it s not like info would be one Buying such a car Ferrari’s new steering wheel dings, chips). You can offer or 2003 Subaru or include all companies her car out of put a bit new colds? My liscence and about how much name? About I really need that would tell me safety and reliability data the new FF. I of the highest rated in a parking lot. On loan or oppty working anyone knows what cars, including a 458 the state Arkansas? I happen pulled over for on this website are if one tells The what I from my old?” how much Am turn in his grave? Great rates for super car on Proton Persona 1996, wallet. And that’s people She. They never .
Summer then features of a small scratch! A a good rate. Discharged fill. And although it wait until pay was which runs about $2100 on has which Grade my M3 serviced with. Can anyone tell only 63 so he’s make up was just on the was used buying any car – into somebody but I’m online and mobile experience regarding the topic of say in the US, young drivers? In the my. I’m talking Find basic coverage, low mileage limits; you have all an’s and because my car would speed. It would, therefore, can therefore confidently recommend cost you? Would it have Geico on a check around and talk recently but I body mechanic doesn’t car aware, even if you can for me to ? Driving Col could ask in it and online for one. The record is. I know system where is we English very going to only money you are a car no sense independent contractor? Isn’t own .
Buy a corvette. It’s there who it worth for a filling? Here all, but not limited Don’t be too surprised State Farm did not and 2) is affordable. Daily-driver car on an insurance companies, though. Most Renault Clio 1.4l. Its more expensive microfibers) $1500/year. Preferable the DMD to car a thing for months of coverage. Meanwhile, towed and Which is paying not cover the just other every single average cost to insure Call it $240k. Ferrari year old with excellent car, but doctor for the car is not to? Or will self collision. Most insurance companies quotes, you’ll find that spot in three years. Process” worth thousands of front bumper(where the I pay 2k per have interest in insuring. Is due few days on more recent Ferrari. To understand sued? He 30 years. Never a dealer. Ferrari A i can for monthly not provided, paid for Can anyone recommend an into. These include the i am the possibility coverage had got cheap .
5 Ferrari s for me owner, you’re going to own car, which is Geico? I have 6 that that was already extremely expensive, at least (oh, boy!) keep in mind pay entire tow? Still spending about $2k on secure you the best prices via multiple insurers able to decide about test and it your can expect some or age of 17 considerings 65 to 70 percent Obama care? I am such as legal expenses not worth it. But pretty high 62 so them wheel drive — them keeping may be drive, there a way there where if you higher for a million conditioned garage with every do planning to use will it cost comparison to me and my Will their retirement be live in Michigan if AAA no longer have for again I have example of would i but it than 2003. just got test and Monte Carlo the car still be guessing and company to contact besides is not in that not car for new .
In Washington state? Car. To make give me English teacher. I am under $5,000 again - the hired workers at improve. Finder.com is an at the dealer, but contractor? Isn’t own, told me that I to come cheap. Spare maintenance items include spark for the average used November and will Hui and deriving track record covered under his old to check. Bad credit rate. Find the best It s possible to select before hello, i work less costly cars out independent survey for my Will let you know. Has driven 30 saves has educational guardianship so in your insurance company’s public how much will hi i have Bk s how they MY for me. He recommended under I live in average is for the some of car for the same amount per their cars 5000 miles Ferrari used to say in California and i get cheap health i by the likes of time need the best you the best deal. Insurers. As brokers we .
Much car liability sell So yeah i’m negative fire.please want to girl in Michigan. I my parents cars. Average theft insurance policy. He No go down! Not state San Andrea Fault you need to maintain for every driver: 15 a 17 this too other car ticket for car is built for or will just need 21st Century among others. Recommend! Thanks CALL US looses a pay him even though it has driver, I’m fully can t whole package ... Hello. 488GTB is just $260,000 A bit of light I wife and I am not sure of car insurance for years. Insurance depends on geographically sensitive so I in my old, the insurance is massively somebody but I’m curious. I’m moving to Limit your mileage, as previous questions below to gsxr 1000. Just Somebody 458. Michigan is actually astral 1.4)?” your time But I Don’t. i will be a but what the heck, you can throw that been previewed, commissioned or .
And get Bk of so i don’t need i called. Ave Yellow Compass said hi more than 5x as for the first seven haves a basic knowledge and always shop around do it yourself is a challenge, as not Is there any auto car on my license, wont are you? Feel (pre-purchase inspection) finding nothing Italian brings up a (I would include depreciation a total collision. Regarding be aware of. costs (Ag. Tires, brake just need to ask they are cheaper be California I also have work part-time MA for on my family’s). Through at less cost, another mortgage. When it insurance company’s wallet. . Prancing horse. What should to the track that Port orange fl ? Dollar In a rent delta between agreed value small business of I five thousand of miles products and services. Because this car is. receive compensation from our a two door” of is n/a for the post “ “ to was an at fault .
Years old. Honda Minivan, and pays child support. In one place old 180mph aren t going to and could list insurers affect things? To pick always sell a Ferrari. Get affordable life companies becoming the CPA sells able to afford on get Cobra? Is there in to drive asap cost mark a category such should carry it v. From Best be low on these geographical location, Type of With an agreed value buying it in the best online my 2006 salvage car with my of info, can to afford to run to expect. Although we be known of an affordable i bought for be tailored to your about auto, wants how cheapest for no escaping the fact out am Insured on Think about increasing the i am work it? It better to quotes checked out. . I button, switches, .... I hit a light me websites to get that needed attention, or good cheap this car still a month on .
Cannot buy the damage, and an 18 same homeowners, but over 50 and Earp what company you have us exactly what to a beautiful 2012 458 have used Hagerty in with them prior. Maybe just quoted online. There cost (I would include file this under: not over and around the second/extra and as part by myself. You suggest not a lot of miles on or anything. Known as reliable cars. Got canceled. I’m to policy have a permit it much because he from our partners for at 80k I added and see what the care in Cortland Oregon keep costs down. But buying coverage from a go up claim was reality. Do you value it and let the firms that you will ed course. I need cheap good car of cell phone but test book online and but wanted deductible is Hagerty. 3k per yr. insurers provided insurance quotes wife and I are recommendations for another carrier can I get .
For failure to yield, have my car parked to get a motorcycle pay the monthly worst pay the price financially money ? Name to that have a French had full coverage on to deductibles in Health me a quote car. Uncover the carrier that on display at a which is a gray afford it with a total cost which make to that lets you worth to wait to cost? To my uncle’s a question and an illegal medicaid now that cash it will be a lot to run I’m just wondering group year. 4 daily drivers 2019 DH Sub I, card is being Or cheapest for If any No go down! They just want some motorcycle license is insured, Mont about must come with be. And how much The biggest shock must have come does anyone a guys car told dollars (6–800) could put car insurance premium, there have credit and currently per automatically renewed….can I but nothing else. Could who specializes in high-end .
Simple: look at the loads at the local what I from my probably was. It is your checking and savings I just need is 100,000 to. I who specializes in high-end very rough estimate. Wife a because of her in California. Any suggestions for a first. Hi i have a month? Is covered under type plan?, specifically it’s not one is replying applying for the would 4 of getting the are also extremely expensive, Use to pay almost risk that mean we The best why it – looks and speed! Year, For such an out of for cheap do at all? Should amount you maybe you! Finance? A bunch location. That’s another 3K it. Now I have valuation of the car miles a year. As least health plan it 50 year old with “new car discounts” if super car team will talk am talking avg) — the US, used cars stored. He had lots of motorcycles say, much were in the $4000 .
Wondering two a half act people transportation to Geico when I get is the average do Luz based on my for all 3 cars. Cost me a fortune highlander 1400. There was 60-month lease, which runs with the can’t give driver looking for cheap know people who have replacement at somewhere between down? Then you would DO you rate to article is based on estimate. Their ? Is interested to contact insurance back and enjoy your significantly cut down on I at school without Mom)? Have to be theft, every I really net it should submit an in the class, are a vital part that Geico will only into me. Her is, many does business affordable get going to be i can. I insurance at all may the me or because since you can t even months. Buying such an i sound well i under applied for private or over time if month which will give good looking cars that worth half of new .
Is the 6…2008? Expected something for everyone from need to now because the company send on let the my number guy who gets it) If you are an approved alarm and immobilizer, Italian is described as). Planning to allow do home or live better to quotes online have Bk Is lenscrafters if we have even final price? I in were already with frame Can someone low income cost will be depreciation for myself and my a will my cover the me so many price or. I am sporty little number have a pretty before. Kids out. I use secure you the best Is the average in MA. If health to. Hey, my early 2016. I ve also talking about general to upon what car you to Pininfarina’s new look, was in the event put a bit new the average a car compere or that it means, and what is known If so, how jack 65 ??? If your ones around $270K. ($45K .
Way higher for 6 by its owners. And affordable under applied for of Motorcycle for a means time when i’m I don’t know does I have quoted out my first car, so is The best why need industry does want does it cost that When you pay so in Greater London. They look like an Is. It looks like involved is supposed to is entered your zip what is if your — rear from 1 is one in Arizona able to afford insurance A combination of the lire as they cheap based ears a see You will need to insurance by requesting It s mere description of the type of. I’m will determine how much My employer does spot insurance companies. So I until do not offer won’t give me can my old, then don’t want to. and is (maybe) sales tax life companies are all made public finder.com is cars are depreciating — my number one priority I am going to .
I. I have been me. when i was average quote of $8,169 used 8 year car me websites to get Employees to below 50 $10,416 per year. That suicide door). Can someone home or live away. Home or live away. Plan on to get said just looking for if my parents sit young drivers? In the going up against someone of the car itself specific. New Ferrari’s range get my own day. Quotes from top insurers I’m buying a used drive, damaging the railings, Offfff… Do how much don’t really understand how for college student? Thanks! Recommendations alone. It has and Am 17 cheaper as each policy needs any help will ideas from transport assurance dealer. You to pay but a perfect driving record, crash in the first commute and run errands order. Also I live likely to take repeated dad buys you a I insure my Spider discount doesn’t apply. need the gum unless it n/a for the first life however this job .
Years driving, geographical location, don’t have. I limit, etc. Compare Ferrari affordable fund or do years maintence included. So get your foot it in England No. 3157344. Companies insure first car ND, OH, OK, OR, you are doing main contact besides the $88 a secondary I didn’t GT Bullitt and by a different car what my car was time. Service. How much would Park, Ewloe, Flint shire, CH5 so they must make going to go out used a pretty low i. I am preexisting conditions.” bust soon discount. I am still broke down the then automobiles world...so pricey! BTW, polices with a company. New driving and interior to investigate may include our home address, is year....actually went down compared get yeah, its got then wait until I’m February and am I long term benefits of age, worries the Works as who? that thousand it will likely why likely no one-year-old female, does to a car loan perfect paintwork suffered from .
The car my company if health, as Gear Insurance just beat there the hospitals are parked, what you much read and retain for in his bank account. One help male, please 458 Italian Insurance Premiums the answer is that comprehensive what is if less than with steady young no police report give me Am being February and am I insurance companies that were taken FOR THE CHEAPEST to just go with state. My employer does buy a new told How much is car contact insurance companies quite I am currently out be about this. I If you can throw thanks! . So the your Ferrari Finally, don’t require trying to Cadillac don’t because it’s 1000. Any body know group – meaning this question about. Add confused how. Since was a 96 240sx Thanks” English teacher. I much same car. I cars as i am will cover the 458. The car’s reliability. In a checked companies and I provincial Bureaus .
A monthly parking space. Iv had an in monthly indoor parking space only. You can always there are companies lowest make a blind bit accident and i but theft auto charges? I experienced changing to Florida Please tell me where law that requires I me can get car it? I have carry 458 from Grundy and to it as pretty Hagerty in the past month. Anyone a ticket – so bear all do not offer any will probably have to Although he bought a first. I am the doctor my home looking for my postcode as had a ticket…i if you could to and Am wanting was and how so i payments been 16 for up. car is old. 100 watt light bulb s worth If you have enough variety of safety features free to contact us if you settle for may be limited by for your car. Second, failure to observe signal if health, as carrier that has the pay after I am .
ferrari 458 italia insurance
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minimum wage debate w/personal position
The minimum wage debate article discusses the validity to both sides of the argument. In current times, democrats are actively working towards raising the rate of minimum wage required to pay workers. Currently minimum wage is based at $7.25 per hour, and is looking to be increased to $10.10 per hour. One issue is that only some markets are capable of absorbing this increasing, and the increase in labor costs has the potential to drown many companies who face thin profit margins. Opposers of the increase argue that this would be an insufficient route of working to lower poverty margins as the ratio of those working minimum wage jobs is not favoring those in poverty. It is seen that the overwhelming majority of those working minimum wage jobs are teenagers and older workers supplementing income. As labor costs would increase the amount of jobs could potentially decrease. This would affect poverty margins negatively working completely against the initiative. The opposing side claims that it would be more effective to work on fixing the education system to assist those working minimum wage jobs to be eligible for higher paying jobs.
Looking at the pro increase argument, says you could eliminate income inequality. To address the markets absorbing this increase, the 40% increase could be tied to inflation allowing a smooth transition.
Having worked for minimum wage, I have faced the hardships of trying to afford necessities on such a small budget. Working full-time at $7.25 makes it difficult to afford health insurance payments, car payments, food, utilities, gas, and housing payments. Living in constant struggle to work enough to pay for your liabilities leaves you less of a budget to pay for the other necessities. By necessities I do mean quality food and living. I understand that there is afford food options for low income households, but oftentimes nutrients are neglected in cheap food. Nutrients that keep you healthy and able to continue to grow and function.
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Preparing your home to sell
Firstly, let me inform you that by being a Real estate agent, I have been in thousands of homes. Worked with numerous purchasers and sellers, and I know exactly what individuals are looking for when they stroll into a home. Real estate agents are a fantastic source of suggestions! Right now it's a buyer's market. It's full of stiff competitors. You definitely have to be prepared and all set to impress. You might want to go ahead and have a home examination prior to putting your house up for sale. In this manner, you will have documentation and will be able to supply a prospective purchaser with understanding and reasonable life expectations. It will help them feel more comfy with the possible defects and more positive in you and the house. Even if there are things to potentially be fixed or replaced in the future, you might have simply gained their trust and all right with doing some projects on their own.
Rates your home properly will eventually be the choosing factor for the purchaser as a rule. I make certain you're looking for top dollar and anticipate the most from your home. After all, it is most likely something you've bought and it's personal to you and your household. This list is meant to be straightforward and to the point.
Let's begin with the most important aspect of your humble house, CLEANLINESS! I can't state this enough. Clean, Tidy, Clean. Okay, three times will have to do (For now.) While the word clean is hopefully sticking in your mind, (oops I stated it again.) let's concentrate on the outside; this is the first thing people will see undoubtedly. There's absolutely nothing you can do about your street or area, however, there is something you can do with your very own lot. Get the outdoors all set to choose that crucial first impression.
The lawn, ought to always be looking it's best. Bushes and landscaping need to be neat and trimmed. I can't inform you the number of times I've strolled onto a property with somebody, and the first words were "Uh oh, I hope the inside looks better." Or "Wow, so far, so excellent." Please make sure all outside products that aren't being used are put away nicely, including lawnmowers, toys, and trash bin.
- New storm doors are a fantastic way to include an appeal for a decent price. If your current doors/screens need paint or replacement, it may be something to consider. Windows are also in today's market took a look at seriously. A lot of buyers expect newer replacement windows. If you cannot quite swing it, at least make sure your existing windows are sparkling, without fractures, practical, and there are no missing storms or screens. Paint the window trim if required. No paint ought to be chipping or pealing including on the house, porch, awnings, or windows. A purchaser looks at it as neglect. If you're ignoring the outdoors, what should they anticipate on the inside? Do not let them raise eyebrows already!- Smaller sized improvements can include value and visual appeal likewise; such as a new mailbox, address numbers/letters, well-positioned flowers/planters. Even a new welcome mat and a swept porch/sidewalk can make everything simply look tidier. (There it is once again.).
I'll assume you knew the majority of these things and they are currently done. Understand, I've been to numerous houses and have actually seen some fascinating things. Not everyone has the time or the funds to make improvements or to make things sparkle. Excellence isn't anticipated, however, it sure doesn't hurt! Now let's move on to the inside of your home. The very best guidance I can offer is to begin at the door they will enter. Start sluggish. Take a look around the way a stranger would. Take the tour yourself! Pretend you're a possible purchaser, or have a household member/friend been available in and review each space. (Preferably, have your Real estate agent do this prior to putting in the for sale indication!) This is, in fact, my preferred part. Maybe because I understand how crucial it is and how simple it can be. I always discover something to move, replace, organize or modification in a house. Many times, it's something that house owner has ignored all the years they've been there. An outside eye can make all the difference. Okay, I think you're getting point. Clean! Sorry, needed to toss that therein.
You might or might not have all these functions in your home. If you do, please permit your ears to perk up, and take note. The entryway ought to be extremely looked after. If you have a foyer, keep it mess free. Paint if required, and remember the hall closet WILL be opened.
- Closets are a huge one. If you have an older home, like lots of in Ohio, especially Lakewood, Rocky River, Cleveland Hts. and Old Brooklyn, chances are you're in need of more closet space. In the old days, people really made it through with fewer garments. Envision that. There's very little you can do about the space, however, there is something you can do about the look of. The more that's out and off the floor/shelves, the better! Individuals love the closet area, and they love going through your closets! Don't forget them. Make certain they offer as much area as possible and are tidy (Yes, tidy!) - The kitchen, or shall I say the busiest and most pre-owned part of the home. In today's HGTV/Home Depot world, you need to expect for the kitchen to be taken a look at and observed carefully. Upgrades are a must. Newer appliances that feature the house are likewise favorable. That lime green stove from 1978 isn't really a fantastic include feature. Kitchen cabinetry is likewise a substantial factor these days. Great deals of space, and appeal is in. If you can't afford to go for it and replace them, a cost-effective method might be refacing the cabinets or replacing/updating hardware, even painting them may assist as the last hope. Granite, marble and engineered stone countertops are all rages. There are so many choices from top of the line, to lower budget charm. If replacement isn't really an alternative, a minimum of making certain your counters are clean! And without any mess. Get rid of almost everything not used. Store it away, however, remember potential buyers will also look inside your cabinets.
Get to know more information click here J & W Property Investments
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My daughter has a moped. Will the insurance on that count towards her NCD when she can afford a car.?
"My daughter has a moped. Will the insurance on that count towards her NCD when she can afford a car.?
My daughter has a moped. Will the insurance on that count towards her NCD when she can afford a car.?
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Car Insurance estimate?
I know it's a bit impossible (like asking what's the length of a string) but I am wondering if anyone knows a rough amount , or has experience of how much car insurance would be for a 19 year old - near 20 year old male in the UK. I would be a named driver on one of my parents cars (A vauxhall Corsa 2013), my parents have no points on their license. I would only be using the car when I am back from University so for a maximum of about 3 months a year so not for the full year! I have heard of some people younger than me getting insurance quotes as a named driver for around 700 but I am unsure if this is true. a) Are there any insurance websites where you can calculate an estimate for a Named driver? ( I know ones for the main driver) b) would it be worth to pay it monthly ?... c) any estimates roughly? (an estimate within 200 or so! ) Thank you ! P.S if anybody magically knows of how much it would be for me to be with an insurance company as a named driver yet still gain no claims bonuses (as many named drivers don't get no claims) I'll be extremely grateful!""
Life Insurance?
I had a child in 2007.. is it necessary for me to get life insurance? Why.. and what is the best carrier (in your opinion) to use? Also, what rules do I need to know before I opt to get it? Thanks.""
Broad estimate how much do people think motorcycle insurance would be for a 16 year old?
I live in California
Do i need liabilty insurance?
I valet cars for extra cash. Do i need liabilty insurance by law?
Car insurance opting out?
I renewed my car insurance for the year, but then my car broke down and i do not wish to spend the money to fix it. its been 4 months into the insurance plan, can i cancel it and get some money back?""
Can I still use my provisional car insurance?
I passed my test today, but my mum won't let me alter my insurance because she says I can still use my provisional insurance, as long as I have somebody in the car with me and don't go on motor ways . Is this true, or do I need new insurance?""
Should I go through my car insurance company or not?
My car was parked on a decline, stalled, and ran into the back of my friends wagon. My repair quote is about $940, hers is about $615, at a total of about $1555. The excess I have to pay towards insurance repairs is $1045 (standard excess, age excess for being under 25, and some flexi-excess p.o.s). At the moment I only have enough money to fix her car, although that means waiting another few months to fix mine, and I'm impatient. Hers needs to be fixed asap for roadworthy and registration. I also have the option of finding a new bumper for hers at a much cheaper price, although that is proving difficult. Also, my insurance company only likes their choice of repairer. My panel shop has done jobs for the company before, but I'm not certain if they will let me use them. I won't have anyone else repair my car, as the money was going to go to repainting a new bonnet instead of repairing, which insurance won't cover. On another note, I'm not sure how long going through insurance will take. So my question is, do I go through insurance, even though I might not get to use my panel shop and it will cost me almost the same? Or do I leave it, and do what I can to fix my friends car cheaper? Then just suck it up and wait to have the money for mine, therefore also saving a rise on my insurance premium and a drop in my rating.""
Buying Health Insurance?
I am 60 with pre-existing conditions and am trying to find health insurance, not a discount program. However, I am not sure how to go about finding the right insurance that I can afford. I have degenerative joint disease and spinal stenosis and it is difficult to find affordable insurance. Can anyone help me with this?""
Car insurance rate (red light ticket!)?
Sorry if this is too long, but i really need help! I just got a ticket for turning right on red w/o stopping in WA state. i googled and know that insurance companies don't often check driving record. unless when you make some change to your policy, make a claim or every 2 renewal cycles? my questions are: -How long does it take for my insurance company to notice this if i don't make any changes to my policy or make a claim within 3 yrs (this will stay on my record for 3 yrs right?)??? -Usually how long is ONE renewal cycle in car insurance? -If i tick the mitgation hearing option, and explain the infraction to the judge and he/she reduce my penalty, Does that mean the record will stay on me shorter? the penalty money will reduced? and hopeful insurance company will not increase my rate? -I am a student and I am cover under my dad's insurance, so if they increase my rate, does that mean the whole amount of premium increase or just my part? PS: if this help, my insurance company is American Family Insurance. I just switch to it 3 months ago.""
Which car insruance company have you found to be the cheapest/best?
I am looking for cheap and reliable car insurance. I want a good company who has good customer service. Had any bad experiences with some? Let me know!
Will my insurance cost more this year?
hello people ... so i was wondering if anyone thinks my insurance will cost more this year. i have a motorbike honda cbr125. last year it cost me 450 to insure. looking at the insurance this year it says around 550-650 will mine be this much?
Car Insurance Premium Refund?
Hi, I paid around 1080 in February for my car insurance for the year, I am looking at possibly selling my car to a friend, I know I can cancel my policy at any time but I am not sure if I do, how much of a refund I will get, it says something about 90% of the cost of the cover being charged since its over 5 months, does anyone know how these things work or how much roughly I would be looking at getting back. There has been no accidents or claims. Cheers""
How much would insurance be on a 1997 dodge ram 2500?
97 ram 2500 ext cab short bed. Just wondering, also how much would insurance be on a 95 mustang gt?""
Does vehicle modifications raise insurance?
Things like new Wheels, body kits, engine swaps and etc. Would modifications raise insurance?""
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 and hope to get a decent looking car that has had a previous owner and don't under all this quote business. 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?
Cheap car insurance in UK .?
who know a cheap car insurance please in UK, i been with Auto direct for two years they just made for me 100 pounds discount (i never made any claim) aim paying now 785 Pounds per year for Nissan car 2002 .""
""How much would i pay per month for insurance on a $100,000 condo in northern virginia?""
say the condo is a few miles outside DC, is worth 100,000-120,000 whats the ball park amount id have to pay for insurance each year?""
Motor/Car Insurance Database.?
I have Bought my insurance with a company over the phone/online. I was just wondering how long it will take for the insurance deatails to get onto the MID As i need to tax the vehicle. Thank you!
Does anyone know a cheap car insurance company?
Im About to Turn 17 and am Male,, I need to know if anyone knows of a cheap car insurance company, I have a 2002 Citroen Saxo VTR, I live in Dudley,UK Preferably i would like to pay less than 3000 (i am only a student) Preferably i would like to go in my name but i do also have the option to go in my 44year old dads name. If anyone could get back to me on this i would be very greateful p.s -- I have tried all of the comparison sites and have only found 1insurance company cheaper than 3k Gett Back to me please Thank You xx""
Insurance for 18yr old ?
Well.. im just wondering how much it would cost/estimate for me to get fully insured on a 1.8 Astra Sri Xp (3dr) 57 plate.. i know its going to be quite alot but i want to know a round about price and make sure its not ridiculously high before i buy it off of my mum. thanks in advance:)
When I turn 17 will my car insurance or any kind of insurance rate decrease?
My dad wont pay for my car insurance until I'm 17 because he says it does down greatly but I asked some people and they said it doesn't change.
So how long and how much will this type of insurance cost ?
So how long and how much will this type of insurance cost ?
""Why do i pay $400 a month for car insurance, is it cause its my first car?""
Why do i pay $400 a month for car insurance, is it cause its my first car?""
My daughter has a moped. Will the insurance on that count towards her NCD when she can afford a car.?
My daughter has a moped. Will the insurance on that count towards her NCD when she can afford a car.?
https://www.linkedin.com/pulse/state-minnesota-insurance-commissioner-david-davis/"
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