#im currently saving all my files as jpgs so i can post them
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twobitzz · 5 months ago
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WHY IS THIS KILLING MEEE
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i am going to be posting wips that are very close to being finished but i abandoned them a long time ago. it js time for them to see the light of day
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mytearsrricochet · 6 years ago
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color icon tutorial
ok i’m not super great at making icons but an anon requested a tutorial for my icons so i will post my process! it’s good for beginners i think (even tho i have been making these icons this way since 2016 lol) 
you’ll need:
Photoshop CS5 or higher (I have CS5 which is quite old, I know, but I pirated it many years ago oops)
relatively hq pics to make icons out of
a psd (if you need some, tumblr.com/tagged/psd is what i periodically check for some). 
an action (preferably sharpening action, since that is what i use)
a texture if you want
you, yourself, and you, and i guess this tutorial
i’m going to be making this as a beginner’s tutorial so it’s gonna go about as in-depth as  one can be! it’s gonna include a lot so feel free to skip a lot of it if you are already pretty well-versed in photoshop or icon-making.
ITS SO LONG IM SO SORRY IT IS SO VERY IN-DEPTH I’VE EXPLAINED EVERY POSSIBLE THING I COULD’VE
but also if you have any questions at all, please let me know. i love teaching people stuff.
example of the icons that i make:
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Hi hello welcome
Ok, so first open up Photoshop. I am using CS5.
You will need hq pics of whatever you plan to icon. I do 99% Taylor Swift, so I use taylorpictures.net for all my icon needs. Make sure they are of semi-decent quality, they don’t have to be amazing since we will be shrinking them down to a very small size so much of the quality is gonna disappear anyway but like, make sure you can at least tell the subject from the background distinctly (you’ll see why later).
This is the picture I am using for this tutorial (and will post icons separately):
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Open this in ps (File > Open > the picture)
Ok so now it’s the actual tutorial lol
1. Crop the image 
We are not going to crop it to 100x100! Select the Crop tool and set the dimensions to 300 px x 300 px--MAKE SURE THAT YOU TYPE IN PX AFTER YOU TYPE IN 300, OR ELSE IT WILL CONVERT TO CM AND THAT WILL NOT WORK FOR THIS!
Next, crop the picture you want as much as you want--as long as you get what you want in the icon. For these kinds of icons, you just want to focus on one item--like Taylor, for example--instead of multiple (not Taylor and her backup dancers since this isn’t what my icons look like and you won’t be able to do that very well on a beginner level). Crop that to a 300x300 px size and click the check mark on the top bar to finalize it. 
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If your pic is hq enough--meaning a larger picture--it will probably look super small. That’s ok, it’s just proportional to the old picture. Go to the right side bar and select the Navigation tool. 
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If that tool isn’t there, you will just have to go to Window and select Navigator, and it will bring that up for you. 
See where it says 100% in the picture right there? It will likely say something like 25% or whatever if you just cropped it, so change it to 100% which will bring it to full size.
Cool! now it should look like this:
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2. Use the Quick Selection Tool 
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Go to the left sidebar on Photoshop. Depending on which PS you have, it might look different. This is what mine looks like. Regardless, the icon should look relatively the same I believe across all Photoshop versions. If it’s not there, you might want to left click and hold down on some of the icons and see if it is an alternative option (it should be there already--but it is grouped with the Magic Wand Tool just in case).
This tool has three options in the top bar: free select, add, and subtract. Start with the middle option: add.
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This will allow you to choose which parts of the picture you want to select to cut out for your icon. You can change the selection brush size, but I always keep it at 3px because it keeps it really precise.
Drag your mouse over the area of the image that you want included in your icon. This tool will automatically choose parts of the image that are similar--for example, Taylor’s blonde hair will like all be selected around the same time, but the pink/blue background will not be, since it can tell that those are starkly different colors and thus two different objects in the picture. It should have a crawling ants moving line around the areas of the picture you want to select. If you go outside of what you want included in your icon, that’s ok! That’s why the subtract option is there. Just select that--to the right of the Add option--and go over what you do NOT want in your icon to get rid of it using the Subtract tool. You might have to go back and forth between those tools in order to get exactly what you want in the final product.
I can’t show you my final outline for Quick Selection since it goes away when I screenshot, but after you’re sure you got what you want in your moving ants line, it’s time to finalize it.
Remember, this tool effectively cuts out the selected portion of the picture from its background.
3. Refine Edge
On the top bar, click the big rectangle button that says Refine Edge. It will bring up a window that looks sort of like this, but I have settings adjusted the way I like:
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You can change these settings any way you’d like, but I generally stick with this. It’s also okay to mess around with them and see how you feel. If you don’t want to do that, you can just use my settings and edit anything you don’t like later.
Click OK to cut.
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This has pretty much removed the background from the picture and only left what we cut out and a transparent background (hence the checkered background--that is space that doesn’t actually exist). You can also see some shadow from the background around her arms and hair, which we can delete out later very easily. That is a result of the settings from Refine Edge, which is why some people choose to lower the Feather bar so that it doesn’t include as much shadow--which is good for many pictures since a lot of these are straight cuts, but this can occasionally cut out part of the icon you want to keep or make it look weird since you want just a little space to mess up when it comes to the Quick Selection Tool.
Bonus step if you want a selective colored icon:
Some people like really vibrant icons that include re-coloring. I’m not very good at it, but what I do (and it sometimes turns out well--this is typically the way people do it, though they are less sloppy than I am) is select a color from the Swatches at the right that is similar to the one that they want to paint over. For example, if I wanted to make Taylor’s hair more yellow/gold and vibrant, I will choose a yellow. Select the Paintbrush tool. On the top bar, the Opacity will likely be set to 100%, which will basically color right over the picture and look weird. Set the opacity to something very light--mine is 20%--and paint over the part that you want to color. Make sure you do this in one stroke--if you paint over her hair with 20% opacity once, let go of the mouse, then go over it again, it’s gonna start building up and becoming more opaque!
You can also completely recolor a picture this way, like if you wanted Taylor to have entirely pink hair, you can use this same method but choose the pink you want instead of a similar yellow. This can be very difficult and tedious, so I don’t typically selective color my icons, though occasionally I do because I love those icons with obnoxiously vibrant colors.
4. Open texture/create new background.
Ok, so I do both of these things depending on the background I want. I have some textures saved such as this that I use for icons:
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I didn’t make it--it’s pre-made by another artist on tumblr from whom I downloaded their texture pack. You can make backgrounds like these too, but I’m not very good at them. 
SO you can either File > Open one of these pre-made backgrounds/textures, or you can make your own.
In order to do that, you can do File > New and change the settings to width: 100 pixels and height: 100 pixels. Under Background Contents, choose White. That’s very important! You don’t want transparent, it doesn’t help us. That brings up a new window on Photoshop next to the picture we’ve just cut out, just a small white square. You can paint that whatever color you’d like. Use the Paint Bucket tool and choose a color from the Swatches section on the right. This will make the background completely one color. However, if you want a gradient, you can do this several ways, but I do it like this: 
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Click that, go to Gradient, and mess around with the Gradient options and see how you like the background. Here’s one I made, for example:
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Boom! Background for icon. I will use this since I made it for this tutorial so yeah it might not look amazing but here we are.
IF YOU USED THE TEXTURE I JUST POSTED OR YOU KNOW THE TEXTURE YOU ARE USING IS NOT 100x100--THE ONE I POSTED BUT DID NOT MAKE IS 200x200--THEN YOU NEED TO RESIZE IT TO 100x100.
You can do this by going to Image > Image Size and changing the 200 pixels x 200 pixels (or whatever is there) to 100 x 100.
5. Duplicate layer
Now it is time to combine these two images we’ve created. Go back to the original picture we worked on--mine is Taylor at the BBMAs--and go to the right sidebar. You should have two copies of this image now: Background and Background Copy. Background Copy is the cut out picture we are using for the icon. Right click on Background Copy and select Duplicate Layer...
This will bring up a window that asks what you wanna do with this layer. 
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Select the dropdown under Destination. Currently, the Document selected is the image we are already on (my Taylor pic was saved under 056.jpg) but we want to click the dropdown and select the pic that we are using for the background. In my case, it’s titled Untitled-1 since I didn’t change the name. Yours probably is too. Select whatever your background image is saved as and click OK.
Now go to the background image or texture that you just selected--your cutout should be there, but you can probably juuuust barely see it! That’s because your picture is about 3 times bigger than your background.
6. Resize layer
Use the Select tool--the very top icon on the left sidebar--and make sure Show Transform Controls is selected on the top bar. If it’s not, you’ll know--because you won’t be able to resize the image.
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The square you are seeing (that isn’t the picture) is the layer we just duplicated onto the background, aka the icon. You’ll want to hold Shift and select the bottom right part of the image to resize to whatever you would like visible in the icon--it could be the entirety of the picture we cut out, or just part of it, if you realize you like how only part of it looks. Either way, you need to hold Shift while you do this, or else the image will NOT stay proportional, and it’ll look all wonky. Hold Shift the entire time you are resizing. This is what mine looks like:
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You can see I both resized it and moved it a little to the right--you can use the Select tool to move it, but that might move it way too much since it does it incrementally, you can just use the arrows on your keyboard and move it by pixels which takes longer but is way more precise.
You can still see the shadows from the background on the icon, so select the Eraser tool (if the shadows bother you or you don’t like how it looks) and zoom waaay in. You want to be careful with the Eraser tool! (Also make sure Background Copy is still selected so you don’t accidentally erase the background. If you just have Background Copy selected while you erase, it will only erase whatever is part of that layer, it won’t bother the background).
While zoomed in, erase the pixels that are obviously discolored from the rest of the image. You can zoom in and out to check how you like it as it progresses. 
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Here is mine after I used the eraser tool on any parts of the image I thought were bad! It should lay on the background naturally.
Now that we’ve figured that out...
7. Sharpen/action
Now is the time to apply an action! Please sharpen your icons. You want them to look good on your blog or others blogs, and in order to do that, you need to sharpen them.
If you already have actions uploaded, cool! If you don’t know how, well, I sure am going very in-depth here so you’re in luck. 
Download an action from any photoshop resource (or tumblr.com/tagged/photoshop-action is where I look occasionally). You will have to load them onto your Photoshop now. Click the button that looks like a movie Play icon on the right sidebar. This will bring up the Action list. Photoshop likely has pre-made actions for you, but we don’t use those because I never taught myself how to use those so maybe you can use them, I don’t know. I just use ones I download from Tumblr.
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Click that little dropdown menu and click Load Actions...
This should bring up a file opener and you can select the action that you downloaded for this icon. It will download it into Photoshop and will now always be there--you don’t have to load actions every single time you want to use them. If you load them once, they should be there for the rest of forever.
Scroll down to find that action and select it. Now, make sure you still have Background Copy selected. I don’t care about applying an action to the background, just the copy,  which is still our image that we cut out. Click the Play button on the Action list--pictured above on the very bottom of the screenshot, next to the Circle and the Folder icon. This will apply the action to the background copy. (Hint: if the Play button isn’t available, it’s probably because your action is in a folder. Click the dropdown of the folder and click the first thing under it--that should be the action and it will apply it).
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There it is with the action applied! It’s muuuuch sharper--perhaps a little too sharp, but that’s ok, it won’t look bad on people’s blogs.
8. Add a PSD
To apply a PSD, File > Open and choose the PSD you want to use. I listed above where I find most of my PSDs, just download one you like. You can choose 100 different ones and try it out if you want. I use the same one for everything, by @toxicpsds (I believe it’s #6). This should open a third window with the PSD over a sample image (thanks to the artist!). You just have to select the PSD layer--not the image with it--and Duplicate Layer and put it on the image that we have produced thus far. It is the same process as when we took our cutout and put it on the background. (The PSD is probably under a group--mine says Group 1--so just select the group in its entirety--shift-click it if you need to).
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You can tell the background is also lighter. If you don’t want the color of the background affected by the PSD, select Background Copy and the PSD together, right click on one of them, and select Merge Layers. This will put the cutout and the PSD in the same layer, which should take the PSD off of the background and revert it back to the color we had before. However, I really like what the PSD did to the background, so I will keep it this way.
I am finished now with my icon! 
9. Save it for Web 
To save the icon to be able to post on Tumblr, go to File > Save for Web & Devices, which will bring up a window like this. It might look a little different since I have my settings a certain way, but whatever.
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(Sorry this looks weird here, it’s just what happens when I screenshot. I’m not a tech wizard).
Your pre-saved things might look different, but make sure you are saving a a PNG-24 for the best quality. Just make your settings look like this, basically, then click Save.
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There she is! All done!
If you have any questions, let me know! I tried to be really specific, but I’m not sure what level people are on Photoshop (probably better than I am) so just ask if I need to clarify anything!
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I recently bought a 1984 Mercedes 500SEL and my insurace company says they will only cover my car for 30 more days until I find a company that will cover a grey market car. The guy I bought it from had it insured so I know its possible, but could you give me some ideas of cheap companies to start off at? I'm a newly licensed driver and am only 16, so please only give me companies that sell policies to 16 year olds (some only sell to 18 and above). Thanks.""
How much would car insurance be for an 18 year old male?
I currently am under my mom's car insurance and I have a 2000 Ford Focus. I plan on trading that in for a 2012 Ford Focus, and I was just wondering how much it would cost for me to insure that car. My monthly insurance payments aren't that expensive. I just don't want to be paying more than I can afford.""
Cheap car insurance for a young driver on a VW Golf?
Where would be able to find the cheapest insurance for my Golf 1.6. I'm 17 years old and I'm going to be a named driver on my dads name (him being the main). The cheapest I can find is 2000. If anyone could find me a good website to find an insurance quote cheaper than that; it would be fantastic! Thanks in anticipation
How much does car insurance lower when you turn 21?
I have insurance with Farm Bureau, and I have a completely clean record. I hear insurance lowers when you turn 21, anyone know about how much? I pay about 600 a quarter..
What is the best health insurance for a newly married couple to get?
My husband and I just got married and are looking to get health insurance. we both can not get insurance through work. we live in arizona, my husband attends ASU. We are both involved in masters programs. We are looking to start a family poss. with in the year! what is the best coverage we can get, with our student incomes? thanks in advance for any advice / guidence you can provide!""
What company has the cheapest teen car insurance?
I'm moving out, and I need insurance! But I can't afford my moms plan anymore since of course, moving out in college is expensive. I've ever had an accident, and I make straight As. Who could you recommend?""
How much will my insurance go uop?
i was in an accident not to long ago. My car was totaled and my insuranced paid it off ($13,000) it wasnt my fault but im 20 and ive been driving for 3 years but recently got my license last year. i was already paying 250 a month, how much more will i have to pay?? my car was an 05 altima. now its a case of he ran a red light, versus she ran a red light""
Car insurance- how do I do it.....?
I am looking for a car to buy but I want to know how much it will cost beore I decide on a car. Is there a way of finding this out without actually having the car yet? I have tried guessing but the search cant find the model or registration year and then it asks for the name that the vehicle is registered to. I am looking at a Nissan Figaro 1.0 automatic, Smart car automatic, peugeot 206 automatic or Mazda 2 (automatic) can anyone help me?""
Which insurance companies offer business insurance for roofers in Texas? General Liability Ins. is needed.?
My husband started a roofing company and needs help finding an insurance company for general liability.
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?""
Would i need car insurance?
(Only open to UK) i am a provisional driver using my dad's car. My dad is with me at all times and he has fully comprehensive insurance, i have been told that this then covers me also, is this correct or will i need extra insurance?""
Insurance when you die?
If I kill myself will I get insurance ? I dont care about money I am already well off but just curious about insurance , too early to call my insurer or go look at the doc, to depressed""
Where can i buy health insurance?
I'm have a low income and I'm looking for a right insurance coverage. I work as a part time job so my employer won't buy an insurance for me. Please if anyone knows any ...show more
People who cant afford health insurance are quacks?
i see the merits of having universal health care, kind of, but it seems to me that the problem is a lot of middle class citizens who just decide nto to purchase health insurance on the premise that they cannot afford it , and instead opt to buy material goods that are solely for luxury. you cant go out and buy nice cars and houses and bypass health insurance and then cry it off that the government should give free care to everryone.......i definitely agree it should be cheaper for the poor etc. bottom line: ppl need to realize health is the most important thing in there life, and satisfy that need, before thinking about personal possesions (nice cars etc)""
Minimum insurance for heating/plumbing business in Ca?
What is the minimum insurance that an owner of a heating/plumbing business must have in California?
Who the best auto insurance that dont cost too much?
Who the best auto insurance that dont cost too much?
""Would it be fair if I give you a bit of tax hikes, since you can now save on more affordable health care which?
I gave to you?
What is the cheapest liability insurance in sacramento?
looking for auto liability. just to cover the basics. i'm shooting for 50 dollars or less per month.
Insulin and car insurance?
a friend of mine has just been put onto insulin, will this effect the cost of her car insurance?""
What is better and cheaper for Auto Insurance in BC vs. Alberta?
I'm purchasing a new car, and i'm currently in British Columbia, i have two residences, one in BC and one in Alberta as i go to school in Alberta. I'm wondering what should i do with insurance would it be better to insure it under BC or Alberta?""
Fair insurance for 03CBR600RR?
progressive. 170 a month. average liability coverage and collision and theft protection. im 19 and in the Military...have not taken the MSF course i know this will lower the cost. but interested to know if this is about the average price thank you
Can i get homeowners insurance on second home?
I have a second home and need to get homeowners insurance on it. Is it possible to get this kind of policy on a second home?
How much is the average cost of auto insurance for a new driver?
heres some other info, im 20, i just got a learners permit. i live in new york state.""
Car insurance?
I am trying to get a quote for car insurance, but am a bit stuck. I got my South African licence in 2002 and exchanged it for my UK one October last year. When they ask you how long you have held your licence....do I say 5 years or less than 1 year. Does the South African one count....I really hope so. We drive on the same side of the road and everything. Thanks""
Car insurance questions?
okay im 19 livin in MICHIGAN. My driving record sucks, (2) accidents i got rear ended, (3) speeding tickets a total of 7 points license is restricted till jan, 2012. I want a car but its around 600-900$ a MONTH to insure me, 99 dodge neon to a 2010 mustang gt all the same price a month depends what insurance company. i cant be on my parents insurance because they excluded off their policy. I allso live in a apartment, so is it possible to buy a insurance policy in my moms name with her correct sos number and drivers license number and lie and say she lives with me in my appartment and put me as a secondary driver. but the car ill be fiancing so i need full coverage and the car is in my name . My questions are (A) my mom uses lifelock will she find out that i opened a policy in her name. (B) will the insurance company find out about that my mom doesnt live their or would they find out at all. AND MY MOM LIVES AT A ANOTHER ADDRESS. (C) is it legal to own and fiance a car thatS in my name but insurance is not ill be listed as a seconday driver under my mom . (d) my mom WOULD NOT KNOW IM DOING THIS. I KNOW THATS FRAUD BUT U GOT TO DO WHAT U GOTTA DO how would anyone know what im doing and find out about it""
What is auto insurance ?
can anybody explain what is auto insurance ?
SOS Car Insurance for Foreigner? Please HELP?
Hi, I just Move to Canada I have a license for 12 years now, I undestand I can drive with this license here for 6 months but the problem is the Car Insurance, I just book the Writing test but they only have avalability is in a month time. but for the the road test I need a insureded car. Not Sure where to start :( I want to buy a Car but can't do it because I need an insurance, I called a few insurance companies but they don't insurance foreigner license. Please Help I really apreciate if someone point me in the right direction. Thanks""
What 600cc's come under the cheaper insurance category. and look nice...?
Recently put my bike up for sale as im looking for a bigger bike... been looking at Honda hornets and Suzuki bandits. ideally I don't want to spend more than 800 on a bike, can anyone recommend a bike that's pretty similar to these?""
What is better Subaru WRX Impreza turbo or Holden Commodore V8?
I am looking for a awesome performance vehicle with my following criteria: -Fuel Costs -Highway ability after 110km/h for overtaking at high speeds, comfort and handling? -Reliability and how often to service, how cheap parts are and how long engine is going to last? -Price on tyres -Price to get a WRX Impreza or V8 commodore (in manual) -Manual or Auto? -Insurance costs -0-100km/h? (well subaru better but after 100km/h?) -What mods to do if it is cheap or to just leave standard? My purpose is to use it mainly around town and sometimes/rare highways trips. mainly on the weekend a bit of a fun car. Please share your experiences and opinions on these 2 vehicles as would like to get a general picture of what there purpose is? 5 stars if answered the best with all the questions above.""
How much does car insurance lower when you turn 21?
I have insurance with Farm Bureau, and I have a completely clean record. I hear insurance lowers when you turn 21, anyone know about how much? I pay about 600 a quarter..
""18, Looking for car insurance, a little lost?""
I'm really not entirely sure what to do or look for. My parent has pretty much told me to sink or swim at this point and is not helping whatsoever, so I need a little help or atleast a push in the right direction. I only need cheap liability insurance, since between my job and school I'm strapped for cash. Does anyone have any recommendations? Any advice on where to start looking? I'm an 18 year old guy with a beat up 18 year old truck with a great driving record in Oklahoma if that makes any difference.""
""Wrecked best friends car, no license, I'm uninsured, 18 and terrified! I DON'T KNOW WHAT TO DO!!!!!!?""
So, I am 18, and yesterday my cousin was planned to come in from the UK at the Sky Harbor Airport in, Arizona. On my way there I was driving at a close speed limit of 50, speed limit was 45, approaching a red light, I was slowing down, when something abruptly ran across the road, close to the car, causing me to slam on the breaks, losing control of the wheel, and I tumbled 4 times over the street, busting the side window, scraping some paint, and cracking the windshield. Thankfully, I was not hurt, no neck, back, leg, or any body injuries for that matter. The police was near by, so helped me out, firefighters took care of me, to make sure I was okay. And then the report happened. I told them the honest truth, they said that I won't be arrested, or given a ticket, but I do have to go to court to prove I had no insurance. I don't know what to do, I know it was completely idiotic driving without a license, and no permit, with no insurance, but my friend has insurance on the car. I have the police report, and I don't know what I have to do, but I will help him with anything as this is my best friend, and I am not straying away from this situation. Will his insurance cover this? Do I look okay is this situation? PLEASEEEE! Someone help me! I'm desperate for advice, I've definitely learned my lesson, and I have no family here in Arizona as they are all in Georgia, I am here for school at ASU, please tell me his insurance will cover this!""
Insurance on a 1998 corolla?
i am a male, 19, g2 license, no dimerits, how much will it cost to insure a well sustained 1998 corolla? live in canada ontario, no dimerits at all, no tickets! (this will be under my name, my family has 2 cars under they're name already, the insurence company said they cant put my mom and dad's name under more than 2 cars so the third car would have to be under my name) also, would it be cheaper for my name to be under a brand new 2012 acura TL?""
Where can I find a comparative of insurance quotes for comercial stable insurance?
I need property coverage, an umbrella plan, summer camp coverage, equestrian activity insurance.""
What private health insurance programs cover gastric bypass?
I've got group health and found out that only employer insurance programs through them include bariatric coverage. Does anyone know of a health insurance program that covers gastric bypass which I can buy on my own without needing to do so through an employer?
GAP insurance on finance car?
I paid 400 for GAP insurance on my new car around 6months ago when taking it out on finance I have just been made redundant does GAP cover this?
Independent young couples under 25--How much per month do you pay for all your insurance?
About how much do you pay for car/medical/dental and other insurance bills per month?
17 year old and car insurance policy?
my mothers insurance company called her today asking if i had my license. when she responded no but i was thinking about getting it, they said if i did get it, she would have to immediately put me on her policy, even if i DON'T have a car. sounds like some bull to me but then again ive never done this before. to insure a 17 year old male with the car i would have would cost her 3 grand a year anyway which isn't gonna happen. she then asked if i could have my own policy in my name and was told yes and it would be completely in my name and i wouldn't have to sign on any ones policy. as far as i know, i cant sign a legal contract until im 18 because im still a minor in the eyes of the law. (her insurance company is allstate by the way) my questions are-- (1) do i have to be put on her policy as soon as i get my license even if i DON'T have a car? (2) can i have my own policy in my name being a minor (17) with no existing credit history?, and if so (3) can anyone recommend some of the cheaper insurance companies for teens, or is 3 k a year about the norm? 10 to the best answer. thanks.""
""Can i get my medical insurance to pay for surgery to correct a covered surgery, if coverage lapsed meantime?""
In 2008 I had insurance in California, through my employer. I got laid off in June, but was on COBRA in Sept. 2008, when Blue Cross authorized me for gastric bypass surgery. In Oct 2009, owing to a dispute over COBRA payments, my insurance lapsed. As of Nov 1 I have no coverage, and new insurance through my wife's Kaiser won't start until Jan 1. Yesterday (Dec 23 09) I had to go to the ER due to abdominal pain that turned out to be a complication of the 2008 gastric bypass. Last night I had a CT scan and emergency surgery to correct the problem. Blue Cross rejected the claim, which of course makes sense and pushing it through was just a formality anyway. But today I wondered if, since the procedure was covered originally, would surgery to correct a complication be covered by law even if my insurance lapsed? I know I'm grasping at straws here, but it seems like it might be worth a consultation with an attorney to find out. I think this surgery is going to run to $40K or more. It was a simple laproscopic procedure, but y'know nothing's cheap. The original bypass was billed to Blue Cross at $38K. I know it's not like defect liability, since a surgeon can't guarantee there will not be complications. Also, I know I can't expect free legal advice here. But if someone knows for sure or has thoughts one way or the other would be helpful.""
Does owning a home increase car insurance rates?
A coworker once told me that once you're labeled as a homeowner, your car insurance rates go up b/c you can be sued for your house. Is there any truth to this? If it matters, I live in NY.""
Will my insurance be cheaper if my dad keeps my car in his name?
So my dad is giving me a car, he got a few insurance quotes but they are as high as $600. If my dad keeps the car in his name and just adds me as a driver will my insurance be cheaper? Please help!!!""
50cc Scooter Insurance Help?
I'm 16 in 9 days, and I'm going to celebrate with a Peugeot V Clic Silver Sport. However, I'm going to need insurance. I live in a quiet area, and my scooter will be kept in a locked, secure garage with four other scooters. I'm also very responsible and won't be thrashing it and doing wheelies. Does anyone think this will reduce the cost of insurance?""
Does ca auto insurance cover motorcycles?
Like, as long as you have some form of insurance is it okay whether it is for cars or motorcycles? I have auto insurance for my car, do i need seperate insurance for a motorcycle?""
Student car insurance help. Anybody else in this situation?
I have recently passed my test and am picking up a car I have bought in two weeks' time. The car is only a little 1.0L Vauxhall Corsa 2002, paid 2000 for it. I've been looking on insurance websites - namely Compare The Market, and the cheapest quote I've found is 2436 (250 excess)! I am wondering if anyone can recommend an insurance company which will allow me to hold my own policy (not a named driver) for 2000 or less. Any suggestions?""
What's the cheapest option for car insurance for a teen?
I just recently passed my driving test and I'm completely taken away by the prices I've saw for car insurance on my parents Astra, I'm getting prices up at 7K. I've decided to go out and buy a category 1 insurance car (or any that's a low category) so it will be cheaper to run but the only problem is, I don't have a job at the moment so only have savings. It wouldn't bother me not taking out my own policy because I understand that can be more expensive but is there an alternative for me until I get a job and earn money to get the policy so I can collect NCD's? One of my friends use to have his own policy on his family car, a big car like ours, until he had an accident and the price shot up. Now because he can't afford the monthly costs he just takes out 1 weeks insurance at a top when needed and this costs him around 40. What I don't understand though is that he's 18, the same age as me, and I thought you werent able to do short term insurance as a new driver? Although I think he somehow takes it under his parents policy? I'v no idea how this works if someone could shine a light on it? Another friend also had a Nissan Micra and was paying around 80-90 per month which I thought was very cheap (also the same age as me) for an insurance which makes me wonder if he is on his own policy? My dad will be getting insured on my own car also and be using it for work at nights. If anyone could come up with some solutions for me that would be great!! :) Thanks""
WHAT CLASSIC CAR INSURANCE COMPANY WILL INSURE ME AT 17?
in ON canada what classic car insurance company will insure a 17 year old with a classic car
Can a person get insurance on a car when the tag is in someones name?
can a person get insurance on a car if the tag is in someones elses name?
Question about motorcycle insurance?
Ok... I know that insurance is different from person to person but in general who is the best company to be with for motorcycle insurance. What is the average lowest price, who actually will do their job when its time for a claim. Who has the best or most coverages for a cycle. All these different things. So who is the best...""
Will my insurance go up if i get a traffic ticket for failing to stop at a stop sign?
what if i just pay the bill will my insurance go up? the thing is just this dec 6 2011 they added two new stop signs in a 4 way intersection before, if you were going north or south you didnt have to stop, and only the people going west and east had to stop its been several months since i passed by there and i just zoomed thru the stop sign and obviously violated the law. i bet im not the only one thats been stopped there im in california btw""
18 year old military personal auto insurance price in NY?
hello my name is Joseph and i recently just bought my first car yesterday. I financed through Navy federal bank and purchased a 2011 Mazda 3 I for 11k out the door price including tax. the check will be coming in the mail tuesday and i will need to have insurance to go pick up the car. ive been searching online and calling different insurance agents to get a quote and im looking at paying 400-600 per month for insurance ! here are some of the prices these insurance agents quoted me at. Geico - 500 State Farm - 400 USAA - 600 Progressive - 550 Esurance - 450 im just wondering if this is normal ? i was expecting to pay 200-250 but not 400-600, i am 18 years old. been in the military for 6 months. clean driving record. and have been license at the age of 16 since 03/15/2012 can anyone tell me if this is normal ? and what other car insurance companies are in new york ? thank you for your time.""
1999 toyota camry insurance cost?
1999 toyota camry insurance cost?
Is Sumner Insurance a good company for auto?
I received a quote through AIS or some other multi-serve insurance quote gatherer for a good rate if I choose to pay lump sum. I don't know if Sumner Insurance is a good company and I am sort of nervous to get a policy with them. AAA for me would be 941 yr and this company is about 680 a year or 1020 if I pay in installments. It seems too good to be true, but if it were, I'd be very happy. If you know somebody who has insurance through them or have insurance through them, please let me know what you think and if they're decent.""
Looking for cheap car insurance.?
have a dodge avenger. and need suggestions for in expensive insurance
How much is car insurance for a....?
28 year old first time driver in a BMW 3 series?
""Who are the best car rental company, insurance wise and cost etc London?""
there are so many to choose from, terms conditions insurance etc anyone use them a lot and know the best to use""
How much does car insurance lower when you turn 21?
I have insurance with Farm Bureau, and I have a completely clean record. I hear insurance lowers when you turn 21, anyone know about how much? I pay about 600 a quarter..
https://www.linkedin.com/pulse/what-best-car-group-16-insurance-julio-webber"
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thebiggamehunter · 7 years ago
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New Post has been published on Jeff Altman, The Big Game Hunter's Blog
New Post has been published on http://blog.thebiggamehunter.us/changing-your-paralysis-to-change/
Changing Your Paralysis To Change
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Everyone knows that making change is one of the scariest things we deal
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with as adults. We recognize and acknowledge a need to make a life or professional change and then find it impossible to do anything about it.
Why does it become hard?
Conflicting Responsibilities. We have our current career. We have a family or trying to find someone to date or be in relationship with We want to have a little fun in life and, heck, there is that new series on (Netflix, Amazon Prime, HBO, Hulu, etc.) and there is no time.
Fear. Change involves risk. As adults, we don’t often recognize fear. We couch in pop culture terms like “procrastination” or “anxiety” to disguise the very fact that we are afraid of doing something new.
Habit. Imagine driving a bus on a one lane dirt road. Every bus drives on the same path and the rut in the road becomes deeper and deeper as more buses travel in the rut. That’s what happens to many of us as we start to think of our lives and our careers. We are driving on the same rut as every other bus.
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I Don’t Know How to Change. Closely coupled with “I don’t know how to change,” is “I have to figure it out by myself.” Add to this is “I don’t know where to start,” and you have a very powerful cocktail for inertia.
We Know How to Trick Ourselves.  I was working with a group recently and a man said something that sounded like he was changing his intentions for change after so passionately advocating for the very change the week before. I asked, “I’m confused. Does your fear tend to send up a signal of danger that causes you to change your plans?”
“Yes,” he said. “It’s probably the biggest way I trip myself up and stay in the same place.”
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My recent article on “Stuck:  Deciding Between Resignation, Perseverance and Acceptance in Your Career” struck a chord with many people about their feeling of ennui and frustration in the workplace. The interesting thing I heard from the LinkedIn messages I received was frustration—anger directed at oneself instead of at the party that should be the recipient.
The need to inhibit one’s responses is a well-learned condition for most employees. No one should act out of anger and harm someone but there needs to be institutionally approved ways for employees to express themselves when they are angry.
Which takes me to the question of what should you do when you are paralyzed and unable to make a change.
How do you move forward and attain what you want professionally and personally?
Decide who you want to become. You are going to need to change as a person in order to change your career and life. What sort of change do you want to make in yourself to have the life you want or the career you want?
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Decide what you want to do over the next 90 days. Major changes may involve longer periods of time than 90 days but certainly there are large chunks you can carve out in 90 days.
Why? Why do you want to engage in this effort? What difference will it make to you and your life to make this change? It is important to connect with the deep reason for doing this by asking yourself, “Why,” to your first three answers. Why does this matter to you? Go deeper.
What can you do (each day, every other day, this week) to move the needle forward in the direction of what you want to attain over the next 90 days?
Start telling people. When I trained to run the New York Marathon, I told people I was going to run New York. They got very excited for me at the beginning and excited for me in the last few weeks before I ran it about what I was doing. Knowing myself as I did, I knew I needed that extra boost at the beginning to get started and at the end and but would need to rely upon myself in the middle.
Get support. It is so much harder to do things like this by yourself than doing it with others. Hire a coach. Join a group of people who also want to achieve something in their lives. Just don’t do it alone.
After one week, review how you did. Most people dread the word “accountability” because it has become weaponized by businesses and government to punish people who make certain mistakes. Instead of accountability, review how you did and ask, “What did I learn from this,” whether you accomplished it or not. Maybe you could have done more. Maybe it was easier than you thought. Maybe you bit off more than you could chew. No matter what outcome you attain, ask yourself what you can do to move the needle forward and advance.
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It starts with the courage to face the truth. You are going to have to expend effort and make change as well as the wisdom to know you need support to do so.
  © The Big Game Hunter, Inc. Asheville, NC  2017
  Note: I will be launching an online group in January to help people advance their lives and careers. If you would like information about the group pre-launch and would like to join a new group on Facebook to prepare for January, email me at [email protected] and in the subject line, put the phrase, “Facebook Group.” I will message you when we are ready.
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  Jeff Altman, The Big Game Hunter is a coach who worked in recruiting for what seems like one hundred years. He is the head coach for JobSearchCoachingHQ.com and NoBSCoachingAdvice.com. He is the host of “The No BS Coaching Advice Podcast,” “No BS Job Search Advice,” and “Job Search Radio.”
Are you interested in my coaching you?  Email me at [email protected] and put the word, “Coaching” in the subject line.
Subscribe to the “No BS Coaching Advice” podcast.
Connect with me on LinkedIn
Follow The Big Game Hunter, Inc.
For more No BS Coaching Advice & encouragement, visit my website.
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