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kevinbingham · 5 years ago

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“Not every liberal is the same, though the majority of liberals I know think along roughly these same lines”

https://www.facebook.com/thethinker42/posts/10155931022478700

Lori Gallagher Witt

January 7, 2018

An open letter to friends and family who are/were shocked to discover I'm a liberal...

This is going to be VERY long, so: TL;DR: I'm a liberal, I've always been a liberal, but that doesn't mean what a lot of you apparently think it does.

Some of you suspected. Some of you were shocked. Many of you have known me for years, even the majority of my life. We either steadfastly avoided political topics, or I carefully steered conversations away from the more incendiary subjects in the name of keeping the peace. "I'm a liberal" isn't really something you broadcast in social circles where "the liberals" can't be said without wrinkling one's nose.

But then the 2016 election happened, and staying quiet wasn't an option anymore. Since then, I've received no shortage of emails and comments from people who were shocked, horrified, disappointed, disgusted, or otherwise displeased to realize I am *wrinkles nose* a liberal. Yep. I'm one of those bleeding heart commies who hates anyone who's white, straight, or conservative, and who wants the government to dictate everything you do while taking your money and giving it to people who don't work.

Or am I?

Let's break it down, shall we? Because quite frankly, I'm getting a little tired of being told what I believe and what I stand for. Spoiler alert: Not every liberal is the same, though the majority of liberals I know think along roughly these same lines.

1. I believe a country should take care of its weakest members. A country cannot call itself civilized when its children, disabled, sick, and elderly are neglected. Period.

2. I believe healthcare is a right, not a privilege. Somehow that's interpreted as "I believe Obamacare is the end-all, be-all." This is not the case. I'm fully aware that the ACA has problems, that a national healthcare system would require everyone to chip in, and that it's impossible to create one that is devoid of flaws, but I have yet to hear an argument against it that makes "let people die because they can't afford healthcare" a better alternative. I believe healthcare should be far cheaper than it is, and that everyone should have access to it. And no, I'm not opposed to paying higher taxes in the name of making that happen.

3. I believe education should be affordable and accessible to everyone. It doesn't necessarily have to be free (though it works in other countries so I'm mystified as to why it can't work in the US), but at the end of the day, there is no excuse for students graduating college saddled with five- or six-figure debt.

4. I don't believe your money should be taken from you and given to people who don't want to work. I have literally never encountered anyone who believes this. Ever. I just have a massive moral problem with a society where a handful of people can possess the majority of the wealth while there are people literally starving to death, freezing to death, or dying because they can't afford to go to the doctor. Fair wages, lower housing costs, universal healthcare, affordable education, and the wealthy actually paying their share would go a long way toward alleviating this. Somehow believing that makes me a communist.

5. I don't throw around "I'm willing to pay higher taxes" lightly. I'm self-employed, so I already pay a shitload of taxes. If I'm suggesting something that involves paying more, that means increasing my already eye-watering tax bill. I'm fine with paying my share as long as it's actually going to something besides lining corporate pockets or bombing other countries while Americans die without healthcare.

6. I believe companies should be required to pay their employees a decent, livable wage. Somehow this is always interpreted as me wanting burger flippers to be able to afford a penthouse apartment and a Mercedes. What it actually means is that no one should have to work three full-time jobs just to keep their head above water. Restaurant servers should not have to rely on tips, multibillion dollar companies should not have employees on food stamps, workers shouldn't have to work themselves into the ground just to barely make ends meet, and minimum wage should be enough for someone to work 40 hours and live.

7. I am not anti-Christian. I have no desire to stop Christians from being Christians, to close churches, to ban the Bible, to forbid prayer in school, etc. (BTW, prayer in school is NOT illegal; *compulsory* prayer in school is - and should be - illegal) All I ask is that Christians recognize *my* right to live according to *my* beliefs. When I get pissed off that a politician is trying to legislate Scripture into law, I'm not "offended by Christianity" -- I'm offended that you're trying to force me to live by your religion's rules. You know how you get really upset at the thought of Muslims imposing Sharia on you? That's how I feel about Christians trying to impose biblical law on me. Be a Christian. Do your thing. Just don't force it on me or mine.

8. I don't believe LGBT people should have more rights than you. I just believe we should have the *same* rights as you.

9. I don't believe illegal immigrants should come to America and have the world at their feet, especially since THIS ISN'T WHAT THEY DO (spoiler: undocumented immigrants are ineligible for all those programs they're supposed to be abusing, and if they're "stealing" your job it's because your employer is hiring illegally.). I'm not opposed to deporting people who are here illegally, but I believe there are far more humane ways to handle undocumented immigration than our current practices (i.e., detaining children, splitting up families, ending DACA, etc).

10. I believe we should take in refugees, or at the very least not turn them away without due consideration. Turning thousands of people away because a terrorist might slip through is inhumane, especially when we consider what has happened historically to refugees who were turned away (see: MS St. Louis). If we're so opposed to taking in refugees, maybe we should consider not causing them to become refugees in the first place. Because we're fooling ourselves if we think that somewhere in the chain of events leading to these people becoming refugees, there isn't a line describing something the US did.

11. I don't believe the government should regulate everything, but since greed is such a driving force in our country, we NEED regulations to prevent cut corners, environmental destruction, tainted food/water, unsafe materials in consumable goods or medical equipment, etc. It's not that I want the government's hands in everything -- I just don't trust people trying to make money to ensure that their products/practices/etc are actually SAFE. Is the government devoid of shadiness? Of course not. But with those regulations in place, consumers have recourse if they're harmed and companies are liable for medical bills, environmental cleanup, etc. Just kind of seems like common sense when the alternative to government regulation is letting companies bring their bottom line into the equation.

12. I believe our current administration is fascist. Not because I dislike them or because I'm butthurt over an election, but because I've spent too many years reading and learning about the Third Reich to miss the similarities. Not because any administration I dislike must be Nazis, but because things are actually mirroring authoritarian and fascist regimes of the past.

13. I believe the systemic racism and misogyny in our society is much worse than many people think, and desperately needs to be addressed. Which means those with privilege -- white, straight, male, economic, etc -- need to start listening, even if you don't like what you're hearing, so we can start dismantling everything that's causing people to be marginalized.

14. I believe in so-called political correctness. Not because everyone is a delicate snowflake, but because as Maya Angelou put it, when we know better, we do better. When someone tells you that a term or phrase is more accurate/less hurtful than the one you're using, you now know better. So why not do better? How does it hurt you to NOT hurt another person? Your refusal to adjust your vocabulary in the name of not being an asshole kind of makes YOU the snowflake.

15. I believe in funding sustainable energy, including offering education to people currently working in coal or oil so they can change jobs. There are too many sustainable options available for us to continue with coal and oil. Sorry, billionaires. Maybe try investing in something else.

I think that about covers it. Bottom line is that I'm a liberal because I think we should take care of each other. That doesn't mean you should work 80 hours a week so your lazy neighbor can get all your money. It just means I don't believe there is any scenario in which preventable suffering is an acceptable outcome as long as money is saved.

So, I'm a liberal.

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mikemead · 5 years ago

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Unemployment and the checks

These are the days when the internet is not necessarily your friend.

Let's leave aside the very true fact that so many of the new, online substitutes for the "real thing" are a pale imitation of what we used to have, and that with more and more time spent online, there are more and more opportunities for time-wasting distractions and becoming ever more frustrated/jealous/annoyed/angry with your fellow humans for various reasons.

But even worse ... when seeking answers on practical matters about this present situation (especially when it comes to your finances!), you are prone to finding wrong, outdated, incomplete, or useless information.

Oh, and of course, there are all of the new scammers out there.

That's why I hope you see why I'm working so hard to be in communication with you right now. We are busier than we have almost EVER been here at Alliance Financial & Income Tax, and much of it involves helping our clients and friends navigate this hall of mirrors.

So we do ask for your patience, as we tap our inside sources for the REAL information, wade through all of the new guidance being put out by the IRS, and dive into the CARES Act for the panoply of new credits, benefits and assistance details that were jammed into that massive bill.

I'm taking up two big areas of confusion and questions right now: the economic stimulus checks (WHERE ARE THEY??) and unemployment relief.

Where are the promised checks?

Well, the good news is that they HAVE started issuing these payments (to those who qualify).

Just to refresh, these are the payments that (depending on income limitations and phaseouts) should be $1,200 per adult and $500 per dependent (under the age of 17). The IRS is using '18 and '19 tax returns to identify recipients. Every person needs a SSN to be eligible.

The bad news ... it might take a while.

The direct deposits have started. The checks (if you don't use direct deposit) will be delayed by 2-4 weeks. The IRS has said it will take them about 5 months to get them all out (both the checks and the direct deposits).

New tool if you did NOT file a return: the IRS has set up a new website where you can enter your info, especially if you have an annual income that falls underneath the filing threshold (2019 income of $12,200 single or $24,400 married).

>>> https://www.irs.gov/coronavirus/non-filers-enter-payment-info-here

If the IRS doesn't have your current info or your circumstances change dramatically in 2020, you can catch it all up when you file your 2020 return.

This is NOT a loan you have to pay back. There is no reason not to take the money.

If you didn't get your money yet, it could be because they don't have your current direct deposit info, it could be because they don't have a return for you, it could be because your 2018 or 2019 income was higher so it phased out, or it could be that they just haven’t gotten to you yet.

Essentially, there is not much else you can do to speed this along (aside from verifying your info), which means that you'll just have to wait.

And this is not easy right now.

The IRS DID announce that they will put up a portal on April 17th to verify your direct deposit info. We'll send that to you in our next installment (assuming they do what they say they will do.) It should be linked on this web page though.

Unemployment Assistance

You've likely heard the numbers (16+ million filed for unemployment so far), and they are scary.

Add the Department of Labor to the ranks of overwhelmed government agencies, along with the IRS and the SBA. All of which are staffed by people who are ALSO very distracted by the intensity of this season.

So, that aside ... many unemployment benefits are dictated by the state in which you live and work, but there are also federal guidelines and benefits. And that guidance is continuing to roll out, even as I write.

For the first time, self-employed and gig workers ARE included and as it currently stands, there is also a $600 bonus federal payment on top of state benefits -- but, as you might imagine, there are specific rules.

In order to qualify, self-employed independent contractors, gig workers and part-time employees will need to show that they have exhausted their unemployment benefits under current law and self-certify that they are unemployed, partially unemployed or unable to control their work specifically because of the crisis.

Further, you have to be able to show that you're not able to continue working (even in a limited way) through the crisis -- whether via telework, or, for example, continuing to drive your Uber even though there are far fewer passengers.

For these self-employed people, the PPP would probably be the best option -- if you can get it. More about that in a future note.

The states are taking a long time to process unemployment claims. They have more people applying than ever before. They are dealing with their own short staffs and have to make major overhauls of their websites.

+++

I have something difficult to say right now, and I say this with compassion for those who are truly struggling:

The only thing you can REALLY count on right now is yourself.

Yes, the government is trying to help. But they are getting swamped, and the assistance will take some time.

So ... it's time to figure out how to get through this thing, whether you get the payments quickly, or you don't. It's time to lean on those who have already been in your corner.

And that does include us.

Warmly,

Mike Mead, EA, CTC Alliance Financial & Income Tax 807 NW Vesper Street Blue Springs, MO. 64015 P - 816-220-2001 x201 F - 816-220-2012

"CRISIS Action Plan" for my clients:

1) Don't marinate in other people's panic. Be mindful of your social media consumption.

2) Continue to stay financially and logistically prepared for worsening situations.

3) Make sure you have some ready, liquid assets, if you are able. (I.e., cash in the bank, and in hand.)

4) Set aside plans for any big spending until the dust settles -- but especially look out for your small business owner friends and vendors.

#covid2019 #covid virus #unemployment #incometaxes #stimulus

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spiritual-doctor4u · 6 years ago

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THE ACCURATE HEALTH CARE MANAGEMENT - at no cost

EMPOWERING THE PUBLIC & PRIVATIZING HEALTHCARE MANAGEMENT

A chain smoker refuses to quit smoking, saying it is his right to smoke & yet demands free medical treatment for his asthma/throat cancer, concurrently. How insane is his premise, & why should the doctors loose their valuable resources on such losers.

Today lying down & sitting put for long hours are diseases.

There is always a way to work out.

WHAT AIL'S THE HEALTH CARE SYSTEM ??

Diagnosing the aliment that health care is suffering from, has been tough for the people who govern and finance the system: the medical staff who toil 24/7 inside the air tight bubble, the poor ignorant guinea pigs who offer themselves for scientific treatments, and the hungry corporations who feed and poison the common man with their toxic harmful processed food products. All the above four agencies are inside the system. To arrive at the differential diagnosis, someone impartial and not connected with the system has to study in depth from outside. It is pretty easy, and a piece of cake for a trained Value engineer and creative Industrial engineer like myself, to take in the total picture of all the elements involved and process them to evolve a workable practical solution. Since this solution is so far advanced and 25 years ahead of its time that the concerned parties may find it difficult to accept and implement it right now, though eventually this is the only way out for everyone involved. We will have to think out of the box to arrive at the best possible solution to this century old problem of health care.

WAIT AND WATCH TACTIC

Let us start with the world’s top most troublesome problem as an analogy – Smuggling of drugs. How are we tackling it today? By policing it, chasing it after the act has been committed. We wait for the drug lords to buy the stuff off the farmers, wait for them to process it and do value addition to it, again wait for them to smuggle it across the borders in ever new ways. We wait for intelligence tips to arrive, and yet again wait for the actual stuff to arrive to catch it, if we can.

LEARN FROM COFFEE BUYERS

Thousands of police officers, border security forces, k-nine units, cars and helicopters by the hundreds are employed to do this job today. If not billions but many trillions of dollars are spent every year unsuccessfully in the effort to contain this drug problem. In vain goes all this herculean effort because our children are still doing drugs and bringing untold misery into the families involved. As a government agency, we ought to be proactive and one step ahead of the drug lords to beat them at their game. The solution is very simple. Who is buying up 90% of the world’s coffee? Starbucks and Tim Horton’s & MacDonald’s. Just like them we go out and procure 98% of the raw heroin/poppy from the farmers and do what we want to do. We could even ask the farmers to harvest the crops much before they blossomed since we intend to destroy them. Ship it to an undisclosed location and dispose it off, by burning it and generating power. Alternately process it for medicinal purpose and huge governmental profits.I would go a step further to the very root of the epidemic, by procuring the poppy seeds themselves and destroying them systematically and clandestinely. In a matter of three to five crop cycles poppy seeds can be in the extinct category. We have to think out of the box for creative solutions.

WRONG PRIORITIES

This would render most of the police force surplus to be utilized in other areas. They would still be required to track down the small time individual poppy growers. Trillions of dollars would become available for critical health care management. Now that you have abundant funds, let’s see how to spend a fraction of it to get extraordinary results.

FOOD MANUFACTURERS WITH NO ACCOUNTABILITY

Coming back to our key issue of health care management, we observe that the poor guinea pigs has been given absolute freedom to do as they like, even if it means going on the road to destruction, and expecting the big brother, their governments, to rescue them later with all paid for health care plans, while they continue with bad habits. The governing agency is too busy with hundreds of higher ranking international priorities, including re-election to office; hence this issue takes a back seat in their agendas. The highly talented medical staff is busy doing what they have been trained for; treating the human body after the DAMAGE has been done. Like our police force they wait and watch till the people fall sick, and the guinea pigs to be carried into the hospitals. Additionally these doctors are always treating the symptoms, the effect, in the body and not the cause of sickness, which happens to be beyond their realm and scope of work. Finally the profit hungry corporations are responsible for all the degeneration caused to the common man’s health. Who is going to hold them accountable? They have been getting away very easily till now, but time has come to put an end to all this mess.

DEFAULTING CORPORATIONS ASKED TO FIX UP THE DAMAGE

Time has come to take a peep into the CRYSTAL BALL for the most of the world. The doctor – medicine scene has degenerated beyond repair. It has reached levels of INSANITY.

SELF DEFEATING POLICIES

These food manufacturers continue marketing richer and bigger portions again and again, expecting different results every time. In short they have embraced SELF DEFEATING policies and egoistic attitudes, that their corporations are more important than the nation. The picture changed radically for worse, by 2020, which is just around the corner. Like the housing market, this bubble burst with such catastrophic effects, that some harsh steps had to be taken, within the basic frame work of total freedom.

THINK TANKS FIND FOOL PROOF SOLUTIONS

The best think tanks in the world were summoned to find innovative solutions to this devastating problem. They brain stormed and came up with these following proposals. The anti-lobbying law was enacted and passed banning any spending by these hungry corporations on lobbying of every kind, direct or indirect. Another sub law was added to the above, which made it legal, for the affected public and the governments to sue these companies for playing with health of future citizens of the nation, for staggering compensations.

EMPOWERING THE PUBLIC & PRIVATIZING HEALTH CARE

The federal taxes for personal incomes and corporate profits were marginally reduced and the health care plans dissolved. The message was clear. Here, take your money and manage your own health with your very own personalized health care plans.

FOOD CORPORATIONS TO FOOT THE HEALTHCARE EXPENSES & MGMT

In lieu of the reduced corporate taxes the corporations were asked to take up the responsibility of health care management and expenses. The law makers additionally argued on the following premises. If the auto manufacturers are compelled to recall millions of defective and unsafe vehicles which could possibly lead to fatalities down the road, then why not apply the same logic to the food manufacturers.

The food and liquor manufacturing companies were directed to take over the hospitals and fix up their mistakes of misleading the innocent youth on the fatally wrong path. They were required to manage clinics and hospitals, with the profits they made off the poor gullible public, who were Hexed by these very corporations with their false propaganda.

ALLOCATION OF HOSPITALS BASED ON PRODUCT RELATED ALIMENTS

The hospital for mouth and lung diseases was allocated to the tobacco companies.

The hospital for obesity and heart diseases was offloaded on to the food corporations and liquor commissions.

The diabetic clinics were handed over to coffee cafes, tea kiosks, chocolate companies, and candy manufacturers.

The mental health institutions were forced upon meat processing and gaming corporations.

Thus the government washed off their hands from the painful and perpetual issues of health care, its cost-burden and management. This way a major catastrophe was averted very smartly and profitably. The above innovative change was a Utopian step for the troubled West.

TRANSPARENT PREMISE

It worked because these companies managed their hospitals and clinics very professionally and effectively, keeping the same philosophy of CUSTOMER FIRST. They adopted a unique pattern of admitting patients into the clinics and hospitals. They adopted a two window system: PAYING window and NON-PAYING window. The paying window was reserved strictly for indolent, alcoholics, smokers, overweight, and addiction prone public. The non-paying window was reserved for active, teetotalers, nonsmokers, lean and addiction free public. The premise of this system was transparent and simple. If a person could afford rich foods, exotic liquors, expensive cigarettes and luxurious cars then he could afford to pay for his costly illness and sickness too. These companies were happy making additional profits off the rich man which helped pay for the poor nonpaying patients who truly required the expensive treatments. It did not make sense with these companies that people should consume in large quantities, stick with harmful habits, and ask for medical treatments at the same time.

HOLES IN THE BUCKET

A diabetic patient refuses to give up his muffins, dough nuts & sweets, yet he insists on getting free treatments for his insulin imbalance ailment. Go figure.

It was like filling up water, in a bucket which had big holes at the bottom. Why would anyone use such a defective vessel, to fill up and truly believe that it will fill up at some point of time? It was akin to try and button up your jacket only to find out that it has a zipper for closing up.

“These coarse people of bad habits and shallow judgments do not deserve such a beautiful and anatomical a structure as the human body. They deserve merely a sack to put in food and let out again.” I fully agree with LalaHardyal who wrote this many years ago.

RIGHTLY FOCUSING ON PREVENTIVE HEALTH & MEDICINE

These corporations additionally & cleverly leased out all the health clubs and fitness gymnasiums in the country. It was free for all, but mandatory for the non-paying clients to use them on a regular basis. It became more important to prevent than to cure. Hence 80% of the effort was spent on prevention and just 20% on curing the malady. This major paradigm shift brought down the total cost of health care drastically. The idea is that the doctor takes a back seat and allows the common public to take personal responsibility of their health. The Doctor was supposed to be a coach/counselor and that was the original idea to have family doctors to help in preventing the diseases rather than curing them.

WRITING IS ON THE WALL

Today it does makes sense with the governments handing out free health care plans, no questions asked. If they ever did question, then their governments would be voted out of power, on the basis of discrimination. This is the key word. The power of the public to black mail the governments. The future of these governments can be seen in the crystal ball.

We do not need another Nostradamus to tell us what is going to happen 20 or 30 years from now. The writing is on the wall, for every one of us to read, if we want to. This global writing too is heavily coded and to get the real meaning it must be deciphered locally.

PILOT PROJECT TO MAKE A SUCCESS STORY OF THE NEW MODEL

I feel the above Utopian approach and health care model, has to be tried out in an educated manageable advanced country like Norway or Switzerland first to make a success story and then the rest of the world will line up to borrow the concept, of course at a high cost and perpetual royalties for life. My intuition says that sooner or later the world has to come to its knees begging for such a unique solution to the most pressing and financially draining problem. How do the industrial manufacturers maintain their factories/plants & stay ahead of their competitors? Naturally by following the same very preventive maintenance concept they stay ahead. It should definitely work in the Medical field too equally well. I am suggesting a pilot project on a country level as we do in any engineering field. I have spearheaded numerous committees at my steel company to help evaluate the feasibility of major new projects. One noteworthy project was the setting up of new 10 million tonne steel plant on the eastern coast of India. After my findings and in-depth study it was scrapped ceremoniously. I have been the official Think Tank

Rohit Khanna - IN-VENT & IN-FORMED

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sizzlingcrusadebouquetfan-blog · 7 years ago

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""How much does car insurance cost for 23 years old male, first driver/car?""

I am 23 years old and just got my driving license few weeks ago. I am planning to get volkswagen golf match 1.4, but don't know if i will get cheap car insurance for it.. If you know anything please help..does anyone know the exact monthly/yearly cost of the insurance? if it will be too expensive what will be a cheapest one...i don't mind vauxhall corsa but i prefer golf ,and reason is straight forward, we all know :) help would be much appreciated.""

Gta v online mors mutual insurance. Problemas.?

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

How much is YOUR car insurance a month?

I know the make, model, and various other factors will affect my future car insurance search, but I'd really like to hear it from real people..if you would be so kind as to share with me? :O)""

About car insurance companies (& their rates)........?

Hi, I've got a general question about car insurance companies. Do companies really charge more to insure a 2 door car versus a 4 door car? I understand the whole 2 door=sports car theory, but not every two door is sporty. Does it really make that much difference? For instance, there's a 2001 Chevy Cavalier 2 door in my local newspaper for $2500. Would my parents pay more for insurance coverage on it than if it was a 4 door Cavalier? As far as I know, this one isn't a Z-24--it's just a run-of-the-mill Cavy. Thanks in advance!!! :)""

Self employment health insurance?

I am self employed, my husband is not. His new employer does not offer health insurance. Can I obtain health insurance for my family and deduct it as a business expense? Is there a specific kind of insurance I would have to get? Links to any websites would be appreciated.""

Insurance Price for a teen driving a Toyota Celica?

I'm 14 about to turn 15 and get my restricted. I've been looking for a car and I found a 2000 Toyota Celica GT for $5,000 list price which is well within my price range. The car is a manual which I'm fine with, The only thing I'm worried about is the insurance cost for a teen driving a sports car and wanted your opinion on the price of insurance and on how good of a first car a Toyota Celica would be. Thanks for any and all help, Grant""

How much is insurance for a 99-01 mercury cougar?

I want one! I have a 97 toyota camry right now..Can someone compare and contrast the insurance and the difference in maintaining it? I turn 17 in 3 months but the car would be under my parents name.

How do you get car insurance for your car when you never had insurance?

I'm looking to put a down payment on a used car but I need to know how does putting insurance on it work? I never had my own insurance this will be my first car I get on my own, I will not be under my parents insurance or anything like that it will be completely brand new.""

""No pink slip yet, Can I insure my car in California. Also needs tags?

Ok so I bought a used G35 from a private seller but he has one more payment to pay until he gets his pink slip. We made a contract I still owe him some money until we switch it over to my name. My question is there any way to insure the car so I can drive it or should I just wait until its under my name and not drive it. Also it needs tag how should I go about that? I know the easiest way to do this is wait but I want to drive it already so if there is a possible way I'm willing to go out of my way.

Car insurance rough estimate?

55 years old, recent drink driving conviction, Mazda sports car worth < 2K.""

How much (on average) would private health insurance be per month for a family of three?

male 40 y.o., female 36 y.o., and child.""

How could I lower my motorcycle insurance?

I looked over some of the things that insurance companies look for in giving deductibles and so far i came up with things like: 1. alarms, security devices, etc. 2. lower amount cost of accident coverage 3. rider training courses im 24, and i heard insurance rates go down after you turn 25 but i'm not sure if this applies to motorcycles also. i don't make too much at my job (min. wage) so i need the lowest rate i can get. what else can i do to bring it down???""

For Farmer's do auto insurance rates increase with cost of repair for a claim?

For Farmer's do insurance rates increase with cost of repair for a claim? Or is it determined by number of incidents and points on your record?

Getting married and need help with insurance?

My parents have Cigna insurance. I understand that I am no longer a considered an eligible dependent when I am legally married, but I am also a full time student. Which status is the dependent variable when considering eligibility? If I'm married AND a full time college student, does that mean I can't get coverage?""

17 year old car insurance question?

Okay. I'm gonna be getting my license in a few m onths (took driver's ed late) and I moved in with my grandparents this past summer when my family and I moved so I could stay in the general area/school and keep my job. So I live there Mon-Thur and Fri-Sunday I stay with my family. I was wondering, being thaf I'm a Junior in high school, am I able to be covered by my parents or grandparent's car insurance? I need some answers. Please & thank you!""

Who is the cheapest car insurance in NC?

I am with nationwide, but want to change, I have a car and an suv with full coverage and renters insurance, bundled thur them, I am trying to see who is the out there that is lower in cost, my mom likes Gieco, but I see all the ads about progressive......who do you think?""

What are the pros and cons of health insurance?

health insurance why buy it

List of auto insurance companies who do not use credit scores in illinois?

im looking for car insurance and need help finding a good rate

Question about auto insurance?

I've never had a car before so this is new for me. I don't have auto insurance yet and I'm going to check out a car today. In order to drive it home I will need auto insurance but I'm not sure if I'm getting the car yet. I already have my quotes set up and if I decide to get the car I can call and set it up right there but the policy doesn't go into effect until tomorrow. Can I still drive the car home?

Car Insurance?

I'm an 18 year old male. I have the good student discount and took Steer Clear (a program from State Farm that lowers your insurance) and I pay $114 a month. I am a part-time driver on a 2005 Chevrolet Cobalt and I don't have any tickets. Is this too high for me?

Ticket for no license and no insurance?

I'm 17 and I got a ticket for not having a license or permit, failure to yield to an emergency vehicle and no insurance in California. How deep will this ticket dig into my pockets? Over $500? Big thanks if you can help me out.""

Can you buy a car and not buy insurance?

i dont have my liscence yet but i'm thinking about buying a car, and i was wondering if i had to start paying for insurance; i dont have my liscence and wont be driving the car yet? can i just pay insurance when i get my liscence? i live in Connecticut if that matters""

How much will my car insurance go up?

Two weeks ago I rear ended a Ford F150. There was very little damage done to their truck, but my mazda protoge was declared totaled. No ambulance was called and the people in the truck acted just fine. The driver was a lady who I thought was just obese but it turns out from the police report that she was 9 months pregnant. I was not arrested or anything at this scene but I did get a ticket for careless driving by failing to yield. I am a 25 year old male btw and I was on my mom's insurance driving her car. We called the insurance and found out that she was monitored and the baby was ok. She was due next week, but the insurance hasn't heard about the delivery or anything. The lady, however is claiming neck and back injuries. Will my insurance go up more because of the accident AND her claims or just the accident itself? I have to go to court in June just for the accident (it is mandatory here for every traffic violation). I need to know how much my insurance will go up to get a newcar""

Unemployment insurance disadvantage? california?

is there any negative impact if you file for UI???

""No insurance company will quote me, dckheads..?""

They won't even give me a quote... Ive tried all cars even 1.1L fiestas/corsa/clios and 700cc Smarts... wtf is wrong with insurers in UK. im 17, just got licence.""

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APPROX how much would car insurance cost for me?

hello, up until this point i have been on my parents insurance. I am going off on my own now and would like a rough estimate on how much per month my specs :) 23 year old female college grad never had any traffic tickets (had an underage drinking ticket in 2007... if that matters now?) car is a 2002, 4 door compact nothing fancy""

""How much is Homeowners Insurance in FL on a $150,000 home?

I'm a first time home buyer and very curious how much cash I'm going to need before closing a house.

Performance car insurance?

is there an insurance company which can provide me with a quote for a performance car? (at a reasonable price) im 19 got a pass plus and had my license for 1 and a half years... ive been driving as a named driver for that time with no claims etc etc ..... i know theres not alot of company's out there which probably wont insure me but its worth a try ey?.

Cheap Car Insurance For Teens!?

hi, i am a 18 year old male from england and i am looking to buy a car as soon as i pass my driving test soon, i dont know what car to buy becouse i really need cheap car insurance as i have 4 points on my provisional driving licence from a crash when i was 16 on a scooter, some people say corsa's have cheap car insurance but im not sure, has anyone got any tips to knock the price down becouse at the moment it is stupid about 6,500 for a 1.2 ford fiesta i got quoted! helpppp!!""

How much monthly would it cost for me to get an apartment in the US?

I would like to know the total living costs... Plus food, gas, insurance, electricity, everything... Like the average cost... I know the apartment would be $460, I already found one, but I don't know how much it would be for everything else included.""

Do you need to stay with a certain car insurance for a period of time?

I need to get new car insurance but i'm short on money. Can I have one car insurance for a month or two and then switch to a new one?

What are some cheap to insure (0-1500and cheap to buy (between 0-1000) that don't look like crap ?

i want a car for my 17th birth day to gop to college and work in but all the cars ive looked at are stupid prices to insure, any ideas ?""

How much of your pay check would you take out for Health insurance?

this is my first job that offers health benefits. I am new to this and having problems deciding if i need to get it or not. My company is offering both HMO and PPO for about the same price. Both cost around 70 per check, but i only make around 850. That is almost 10%. Should i shop around or should i just go ahead and get it or not have insurance at all. I dont even like going to the doctors but i would like to have health insurance just in case. My deductible for ppo is 500. I dont even know what that means. any advice would be helpful. thank you""

Cancelling M&S Car Insurance?

Basically I took at a M&S car insurance plan for my car. A guy crashed into me whilst on a roundabout (my right of way) and his insurance have since accepted responsibility for the accident.I am now wanting to cancel the insurance as they have been very unhelpful throughout the whole process. I am just wondering how much I am going to have to pay to cancel the policy- As I was spreading the cost with agreed monthly payments the total cost including interest was 738. I did a one off payment of 101.87 and then so far have paid 4 installments of 57.89. As I have had the policy for 4 months. In the t's & c's on the website it says this: If you cancel your policy within 12 months of the Policy Start Date, we will calculate the cost for the period of cover based on our short period rates in force when we receive the Certificate of Motor Insurance and refund any excess premium you have paid. If we cancel, the premium will be calculated in proportion to the period of cover provided and we will refund any excess premium which you have paid when the Certificate of Motor Insurance has been returned to us As I have had the policy for 4 months how much will I have to pay to cancel (even the the whole process was not my fault!).just want to buy a new car and insure with somebody else! (recommendations very welcome!) Thank you in advance for your help people!""

CAR INSURANCE - 2nd driver?

My sister who recently passed her driving test would like to buy a car, problem is car insurance quote comes up to 3000, which is too much! So i was thinking to get the insurance in my name, and put her down as secondary driver. I already have another car, where i am also primary driver. If she crashed her car, would this get flagged up under my insurance, although she crashed it....i dont want to pay high insurance for the rest of my life for her mistake or would it come under her record??""

Hey I'm looking into buying a 2010-2011 Camaro How much would insurance be for me?

I'm 21 and looking into buying a 2010-2011 Camaro I'm just trying to figure out the basics like how much would insurance cost me and how much would the monthly payments on the car run me...I'm going to make a down payment of $5000 when I go to the dealership. Any kind good advice and tips on what I should do to get my dream car is needed ..Thanx in advance everybody

Wat do u think insurance would cost for a 1967 mustang?

i try to find it on insurance company pages but it dont help

How much is car insurance for a student?

I am going to get a BMW 328i 2011 soon and I was wondering how much insurance would cost? If it was connected to my moms insurance. I am turning 16 by the way. Please answer back, I really need to know asap""

I am wondering what the most affordable healthcare insurance options there are in MA for self employed people.

Anyone have experience with ASDA car insurance?

Asda car insurance seems to be the cheapest by far in the comparison websites but are they reliable?

Does wreckless driving increase your insurance cost?

my friend was donutting

Someone help me with car insurance?

I am 17 years old and haven't yet got a lisence or a car or even a provisional. But when I turn 18 I am going to get a car I have been looking at insurance prices and they're ridiculous. Like 2,000 pounds a month? Or these really realistic. I searched for insurance entering a vauxhall corsa? Can someone help? Help me think of a good car that's cheap that will have cheap insurance.""

DO i NEED TO PROVE MY G.P.A. TO MY AUTO INSURANCE COMPANY BEFORE I RECEIVE THE DISCOUNT?

Has anyone had to show proof of their grades to get this discount. I know one of my friends did not. Do I have to send a transcript? an official one? Will the take my word on it? Which insurance company did you have that did require it?

I was rear ended in california with no insurance is there anyhting i can do?

I was rear ended in a car accident in california,and I did not have insurance at the time.My car was wrecked.And Im stuck with the hospital bill's.Is there anything i can do legally ?""

Does car insurance go down after you pay the car off?

""How much will it cost for liability insurance for property maintenance, residential construction and masonry?""

I have just registered my business. This business specializes in residential property maintenance, residential construction and residential masonry. I would like to know approximately how much I will need to put down for liability insurance that would cover me if anything was to go wrong. I have no employee's and no vehicles to add on. I want to only be covered for liability. Thank you very much and I hope to have a better understanding on this matter soon thanks to you!""

What is the cheapest insurance for a road trip around europe?

3 guys, age 19, 3 weeks in august, had licenses for a year, driving a small car. Anyone know what company would be the best to look at? And im fed up of looking through comparison websites :P""

Suspended liscense and car insurance?

So in two more months my license suspension will be over from a dui. First of all the type of dui that I got from what I've been told isn't as bad as the real one seeing as I got a dui for blowing a 0.3 but being under 21 makes it illegal at any alcohol level. My dui is considered and infraction so no criminal record but still not sure if this goes in my driving record. When I get my license back and look for car insurance will I have to pay extra for insurance for having a dui infraction?

Insurance Forum?

Are there any good forums that discuss insurance products without trying to sell you something?

Would Hillary Clinton health care insurance plan be like the law for car insurance?

The law for car insurance says: everybody who has a car has to buy private insurance for that car . Would the law for health insurance be similar if Hillary Clinton is elected president: everybody who has a body has to buy private heath insurance for that body . Will it be like that or have I misunderstood her plan? Please explain it to me.

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Car insurance issues help wanted?

have a few issues I could really use some help with. The family car that I have been driving wasn't in my name but I was still covered on the insurance until one day I hit a mailbox with the passenger side mirror. The mailbox did not sustain any damage but the mirror somewhat did. I didn't call the police when it happened since the damage was extremely minimal. Anyways, then a couple weeks later a different family member (not the owner) had a little bit of a bigger accident when an animal suddenly appeared in front of the car forcing another accident. I have not had an accident in over 12 years but since I was mentioned after that second accident, I was also excluded from the insurance policy for that vehicle. The insurance cost is something like $158.00 per month but now they want the owner to add about $50 or $60 more per month EACH for the 2 people that were excluded because of the accidents.The car payment is about $415.00 per month and the insurance was $158.00 per month for just the owned which does not even drive the car at all but now they want an extra hundred per month for those 2 excluded drivers if they want to drive that car. Will this change if we switched insurance companies? And if I haven't had an accident in over 12 years, would it be possible to appeal that? Thanks in advance""

Can you transfer car insurance from one person to annother?

if you have paid upfront for the whole year and then you can no longer drive due to health reasons could you transfer your insurance policy over to someone else?

""If someone is living with my, gets in a car wreck without insurance, can I get sued?""

That sounds weird, but with all the stupid laws out there, I thought I would ask because im facing this situation. I live in Washington state. My brother in law lives with us with my sister, and he recently got fired from his job. He pays no insurance, has no contracts with us, but lives here and uses my address as his own. He was talking about letting his car insurance go because he was no money. If this happens, and he gets in a wreck, can the person whom he hit come after my property? Or is my brother in law just screwed if that happens?""

New Laws in CA????? Help , Can Someone tell me About this New laws in Cal about you have have to have car Insurance?, I thought that that was already a law? Was it?? And if you regiester a car in CA. you must have car insurance or your brecking the law ? True or false ?????""

1999 toyota camry insurance cost?

""How much is PPD rating schedule for %13 lumbar spine discs and knees, If my insurance company was putting me?

on Permanent Disability and my company Laid me out because of my limitation of to work? How much the insurance company has to pay me for my injury and disability?

Do I need motorcycle insurance to ride off a bike at the dealership?

I meant proof of insurance while the bike (motorcycle) is paid in cash in the city of Milwaukee, state of Wisconsin?""

Do i need to be a full time student to be covered for medical insurance?

i've always been told that i need to have at least 12 credit hours a semester in order to be covered for health insurance. with the new obama health care is this still true since most 23-26 year olds do not attend school anymore?

Car insurance when buying a new car?

Hello,i have seen a used certified car online and very much interested in haggling with the car dealer to buy the car,but my problem is,i have heard you need insurance coverage on the car before the dealer will let you drive off the lot with the car.So my question is how do i go about this when i havent yet selected or bargained for the price of the car before purchasing.I am driving 2 hours to-and-fro to get this car and cant afford to go home without the car the day i go to the dealership.How do people go to car dealerships,haggle on any car they love in the showroom and drive home the same day? I cant buy insurance that i may not need( example buying insurance on a 2009 car,but later get a good deal on a 2010) Any help on how to get the car insurance issue straightened out before i go haggling for cars?""

What would my car insurance be?

i am a boy about to turn 16 and i wanted a nice car i really want a standard sports car. any ideas on how much i would have to pay a month?

Do people on medicare have to apply for affordable care?

According to the affordable care act people have to register for insurance in October .

Why is car insurance so high for young people?

Why won't anyone published my poems about car insurance coverage?

I have plumbed the depth of my soul writing them. Ode to a Fender Bender and Original Parts? Be Still My Heart. are a few of my favorites.

What is the typical cost of motorcycle insurance in california?

Has anyone driven past a police car without car insurance?

I've read on the internet and asked questions here on Yahoo about people driving without car insurance. The majority have said that police cars have a scanning system that automatically checks cars that goes by for MOT, tax and car insurance. I am wondering if anyone has recent experience of driving without car insurance past police cars and have anything happen to them? Have the police cars picked up that you have no insurance? I have car insurance by the way, i am just curious.""

Is There Any Way(s) Of Lowering Your Insurance Rate?

So I Have Two Tickets For Speeding Offenses, But I Don't Want The Insurance Company To Charge Higher Rates. I Hear The ONLY Way To Lower Insurance IsTime, About 3 Years! Some Help Or Suggestions Would Be Greatly Appreciated""

Recommendation for Mexican auto insurance (going to Ensenada).?

We are traveling to Ensenada this weekend and I want to purchase insurance online before we go. Does anyone have a carrier they recommend?

Does fully comprehensive car insurance cover mechanical repair?

I am considering buying a car but have heard some worrying stories about engines needing to re-built and other expensive parts, if my engine went would my insurance cover the cost or would I have to pay out of my own pocket?""

Driving Someone Else's Car...Do I need Insurance?

Okay lets say that I have my license but I don't have car. If I have a friend or a family that lets me drive their car and I get into accident...who's fault would it be? Mines or the owner's? And If I do drive someone else's car..do I need insurance to pay for the owner's car if I accidentally damage their car? Or no?

""Car stolen, insurance paid out, car recovered.. What happens next?""

My friend had his car stolen two years ago, and so he claimed on his insurance. After paying his excess, he received payment from his insurance company. Last week, his car was recovered. What happens with the car now? Will the insurance company keep it/sell it to cover what they paid out? Will it be returned to him?""

Rear ended someone.. how much to get fixed without insurance?

i just got my car like 6 months ago and i was with my friend and he had to stop suddenly cuz of something runnin out in the road and i wasnt paying attention and i rear ended him.. neither of us wanted to get the cops involved cuz he had someone in his car and just got his license which is illegal and i didnt want me insurance 2 go up http://i44.tinypic[dot]com/5obq8[dot]jpg can't link so just replace the [dot] with a period . thats a pic of the damage i dont think its too bad probably just need a new hood bumper fenders and lights right? also if i did end up going through insurance how much would it go up about im 17 yrs old? my mom is paying for it right now but she said if i ever get a ticket or anything that i cant get out of then i gotta pay the difference so idk if itll be cheaper this way or something

What are some affordable Health Insurance Options in NYC for Latin American father and his child to be?

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

Insurance??????Insurance?

just wondering. my mom has a trailblazer and my dad has a lumina. they already have full coverage. my question is do they have to add my the insurance or since i have my drivers lisence i can start driving. my mom said that im already insured because it already has full coverage is that true or does she have to add me or what???

How much does it estimately cost for a car insurance?

Please don't give any stupid answers. All I want is to get an estimate because I have not got ANY ANY clue about it. You can just give a range like 100-200 pounds per [unit time]. Hint: I will get my car when I am 17 so roughly how much will it be annually/monthly? The most sensible and reliable answer gets 10 points for best answer.

Car Insurance in CA - Question?

If my dad added me onto his insurance policy (Farmers) on one of our family cars, am I allowed to drive the other car as well? I believe that both cars are under the same policy, since the insurance company asked my mom which car she was driving when she was making a claim. Would I be allowed to drive both cars?""

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https://www.linkedin.com/pulse/i-scraped-bumper-parked-car-cheaper-pay-off-send-my-insurance-wagner/"

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susanna-zhelubenkova87x-blog · 7 years ago

Text

Arvind Pandit-Is Startup Any Kind Of Good? 7 Ways You Might Be Certain

Inside general, though, limited stock could be generally helpful for founders as well as incredibly crucial folks only; ISOs may continually be employed relating to W-2 employees only; NQOs may wind up getting utilized together with regard in order to W-2 employees or perhaps pertaining in order to 1099 contractors. The Actual actual straightforward point can be that, if an equity grant made inside the startup context is topic so as for you to potential forfeiture (as limited stock would be), 83(b) elections wants for you to be created in most cases to remain away from tax problems towards the recipients. Startups get incredibly specific tax considerations together with inception owing for the approach these individuals typically tend to be typically capitalized -- which in turn is, using potentially useful IP legal legal rights turning out to become able to be assigned, inside help of nominal money becoming contributed, in direction of the corporation by simply founders in return with regard to large levels of founders' stock.

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A startup is really a kind relating to tiny business, relating to course, as well as its founders want to generate significant and inside addition long-term earnings just as virtually any kind of small company does. This kind of type of signifies that the proper relates to much less and much less with the founder's stock following a quantity of time as well as the stock progressively vests. Why? Not Necessarily Truly as the enterprise itself features virtually just about any various objective besides those of developing long-term also as sustainable worth yet simply because relating to how its founders view their own short-term goals inside the venture.

The point is usually that will founders obtain excellent freedom in order to combine together with match such scholarships or grants for one to reflect various scenarios among by themselves and other crucial people with your company. associated Using course, no make a difference the founders could determine amongst themselves, afterwards investors could and fairly often do contact pertaining to that all founders have their vesting provisions wholly or perhaps partially reset being an ailment to making their particular investment. Practically Nothing may be a complete lot worse as in contrast to getting IP claims contrary to always be able to find yourself becoming in the position towards the company pop up via the homework cycle of the funding or maybe an acquisition. Thus, Founder B might get your self a grant associated with x shares in which vest ratably over a new 48-month period of time connected with time (at 1/48th for each and every month), meaning the whole fascination might be forfeited at inception and also less-and-less so since the repurchase appropriate associated with the organization lapses progressively as occasion passes although Founder B performs services for the company. That typically differs significantly by method of any regular tiny enterprise within the actual method it is positioned up. An Individual will discover others as well. the particular price of the actual LLC inside the tiny company context is at its simplicity. in such cases, it is practically always better to utilize the actual corporate format plus an excellent enterprise lawyer to aid together with implementing the actual certain setup.

Now allow us to state that 1 / 2 involving your personal personal shares are usually repurchased, say, a new couple associated using years down the collection when the shares might be worth $1.00 each. Thus, the actual possibility for a walk-away owner to end up being able to possess the windfall is any lot diminished; indeed, this owner might well grow to end up being able to be severely prejudiced via not really becoming round the inside in the business. Within the actual certain event which three founders (for example) form a startup too as strategy in order to generate it productive by means of his or her private efforts over any several-year period, almost any certainly certainly 1 of these individuals which usually will get an unrestricted grant can easily merely walk off, keep his too as her equity interest, and also have the remaining founders effectively spending for that reason significantly period to obtain a achievement to always be able to find yourself becoming able to which your actual departing founder will contribute little or even nothing. All in most then, the startup provides really distinctive setup features - via forfeiture incentives pertaining to one to IP concerns in order to tax traps. at the actual beginning, this may well not necessarily help to make just about any difference much. Note that a standard small business usually will not face this danger using anywhere close by the acuity of a startup. at this time, upon termination connected with your merchandise relationship using almost all the company, the organization might acquire as a lot as 500,000 shares through you, actually really worth $500,000, concerning $500. The idea could possibly be one hundred percent, if zero portion of that founder's stock is planning to be quickly vested, or even possibly 80 percent, if 20% can be planning to become correct away vested, or even each and also every some other percentage, making use of the particular remaining percentage deemed immediately vested (i.e., definitely not topic to some likelihood associated with forfeiture). Attributes of your Typical Startup Business In an instance above, I spoke of a $500 stock curiosity receiving actually worth $500,000 any couple involving many years throughout for the vesting cycle of the founder, utilizing a couple related together with many years left for you to go to your remainder. If, however, forfeiture risks will potentially end up being inside play as well as hence restricted stock will potentially provide (among several other tools), there nearly all most likely isn't any particular benefit inside generating use of the LLC. Relating To this purpose, an equity incentive plan will be really frequently adopted using inception plus a specific selection associated with shares reserved with it pertaining to long term issuance from your board concerning directors. Restricted stock will not wish to continually be completed all-or-nothing making use of respect to end up being capable of founder grants. Restricted Stock Scholarships And Grants - Rare concerning Tiny Business - Are Usually generally the actual certain Norm relating to Startups along with Founding Teams The point, though, is actually this: this once again may be considered a complex region and may grow to be handled with the assist with the qualified startup business lawyer. Additionally they'll typically pay by simply themselves salaries regarding "working your business." a Lot in the worthiness such companies might lie inside your capacity to draw within current monies through it. Thereafter, since your founder will continue to function to your company, this repurchase appropriate lapses progressively more than time. This kind of type of ensures that the particular real company's repurchase correct applies initially to almost all or even any in the founder's stock also as thereafter lapses relating to 1/48th regarding it utilizing on a manufacturer new month for you to month schedule of continuing services by simply which will founder

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