#im gonna go back to rise april challenge soon too | Explore Tumblr posts and blogs

unlikelydreamlandcreation-blog · 6 years ago

Text

What is the basic kind of insurance required by California Law?

"What is the basic kind of insurance required by California Law?

What kind of insurance covers something like another driver hitting your car door, and then driving off before you could get their license plate # what is comprehensive , and what is collision, ?

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

RELATED QUESTIONS:

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""

How much is car insurance for a 18 yr old?

Hi, this is probably going to sound stupid but just out of curiousity how much would car insurance be for an 18 yr old female driving an Nissan primera ( saloon) As a first car? Or any car for that matter? It's manual transmission, I have no clue about car insurance! As you probably can tell so how much would it cost on average?? Thanks!""

Any car insurance which insurances foreign cars?

Hi! I live in Italy and I am italian. I heard that there are some english insurance which insurance cars and people in foreign country. Is it real? do you know anything about that? Could you give me some advice about that? I am waiting your answers! Bye!

Dental Insurance Question - The Real Scoop?

While I am employed, I work at home for a company in another state, and the dental insurance options through my company were not viable. So, of course, I relied on the internet to research my options, and I looked, specifically, for dental insurance Lo and Behold, the stuff that came up, was for Dental Discount Plans. Upon first glance, it seemed like this could actually have been a better deal then anything offered through my firm. The conversation on the websites touted these plans, often with premiums of $7 to $20 per month, to be better than conventional dental insurance in every imaginable way. No issues in applying, no maximums, no deductibles, and no waiting. So, I am sitting here, reading how in EVERY possible way this is better than insurance, and it strikes me. If something seems to good to be true, maybe it is. If these were so much better than conventional insurance, why did my firm have so much trouble finding affordable insurance; they should have simply joined one of these discount programs. Well, the site even attached me to an independent article which BASHED the conventional insurance...Then it struck me...If I was a dentist, would I be happy joining these discount plans and basically getting 50% to 75% less for my services. Yeah Yeah, I am getting my payment up front and not waiting for the insurance to pay me (again, playing the role of the dentist), but is that worth the tremendously discounted amount (does not make sense when you compare the time value of money). So, I realized that if I were a dentist, I would not want anything to do with these plans...Or would I? Does being a part of these discount programs really bring in enough clients to justify that deep a cut in the fee schedule. Then I started to think...Is it possible that there is something up with these deeply discounted fee schedules I keep seeing on these sites? Are the fees just being jacked up and then discounted back down to the point where I might as well not be a member of the Discount Program, and just a regular walk in? Can I go to a dentist and ask them for the fee schedule, and then after the fact, compare it to the discount program to see that I am really getting a discount, and it is not some number playing farce. I would want to know as a dentist whether these discount programs are worth anything. I need some kind of coverage, and for the few self insurance programs I see, the monthly premiums are incredibly high, and yes, when compared to the discount programs, it seems like NO ONE would EVER join these insurance programs since they are more limited and more expensive...Yet....They are still in the insurance business. Will someone please give me the scoop...I need to have an affordable option here, but don't want to be duped into joining one of these discount programs. Thank You""

What is the proper way to repaint a brand new car? Insurance question...?

I recently had my car damaged in one of our Texas storms. It caused about $4000 in damage to the entire left side, hood, and both bumpers, and knocked out two windows. I just got my car back from the insurance suggested body shop and I can still see where many of the rock marks were painted over. There are divets in the paint in a lot of spots, which is better than the metal that was showing before, but not how I want it. My question is, shouldn't they have completely sanded down the areas of the car that needed to be repainted instead of just painting over the paint nicks? The car is a 2006 Mustang that is practically brand new. Maybe I am wrong, but shouldn't the insurance company be fixing the car to the PERFECT condition it was in before it was damaged?""

What is the average deductable on car insurance?

Where can I get cheap insurance from ??

Just passed my test I'm 17 I have bought a 1985 old Nissan micra. I have 3000 where can I get cheap insurance:)

""I totaled my month old car with only liability insurance, do I still HAVE to pay off the car?""

i just got a '01 explorer from a dealer less than a month ago, two days ago i rolled it, now its totaled. i only have LIABILITY insurance, and the insurance company said i have to pay off the rest of the car, which i expected, but when i called the dealer she said she might be able to count the car as a total loss, and get me in another car from them, without paying for the old one anymore. she is going to let me know in a couple days if they can. is this possible to just somehow avoid all the payments on the old car and start over new? are they scared i would end up not paying them for a car i dont have, so they somehow write it off and start a new payment plan on a whole new car? Will they try to get me in a new car and pile on my old car payments with new ones? when they call back should i act like i wont pay on that car to persuade them to write that totaled car off ? i dont know what to do, i cant afford two car payments and now im carless bumming rides which i cant do for long. The reason i am asking before the lady gets back to me is: its a dealer, and im pretty inexperienced with this, and i just want to know how this all works so i know how to talk to and possibly negotiate with the dealer before i end up missing (or screwing up) an opportunity before its too late""

Insurance.?

i need to know all the types of property insurance, with descriptions. please help:]""

Switching car insurance...?

my car insurance policy expires in March and I have full coverage. I had full coverage because I was financing my car. I recently paid it off and would like to switch to a lesser coverage. Can i do this before my policy expires in march or do i have to wait??

How much would car insurance cost on a camaro or corvette?

I'm more than likely getting a jeep but I would like to know my options. I looked at the 1975 corvette and the 1971 camaro and I wanted to how much insurance would be. I turned sixteen just today and I don't need an exact price but I would like to know about what it would be so I can consider all my options. Thanks guys.

Car Insurance Problem!?

Hey all heres my problem. I go in the navy in 4 weeks and my car insurance does'nt run out until april 2009. While im at base i wont be using my car until maybe feb 2009. Is there anyway i can cancel due to the fact that i wont be using my car. I don't want to be paying 121 a month when im not using my car at all for a while. Much help appreciated, mark!""

What car insurance company has the best rates and prices?

i just bought a car and dont know which insurance company to choose

About how much is insurance gonna cost for a 15 year old who just got his license?

how much will insurance be if im a 15 yeaar old guy who just got his license and im driving a 1995 acura integra, can anyone give me an estimate on how much it will be a month""

What raises car insurance premiums?

I accidently dented my roomies car with a scratch as well. I was told by a good friend since the car was parked if she took out a claim on it and she didn't list anyone who's at fault (in other words she doesn't know) that her insurance would pay for it. First is that true and if so, would that raise her rates? She told me it would raise her rates. Also she said all it needed was to be buffed, how much do those usually cost? She has a 2007 or 08 Saturn VUE. Because if the buff isn't that much it might not be worth it to challenge her. But there is a possibility the damage might be more then a buff can handle.""

Will my insurance rise if the accident was not my fault?

i was involved in a minor car accident which took place at a drive thru and the car in front of me reversed his car, and at the speed he had applied to the gas pedal was enough impact to smash my entire hood in and damage my front bumper. I filed a claim with my insurance as soon as I got home. The following morning the insurance company of the OTHER driver contacted me and verified that he will take full responsibility therefore my repairments will be covered by his insurance. Ive been reading online relating to my question, but in my case, will my insurance rate go up? This is also my very first accident and I've been ensured for 1 year since I've been driving.""

How much home insurance should I get?

I just bought a house for about $180,000. I am looking for homeowners' insurance, but I am confused as to how much I should get. Should I insure for just the replacement cost of rebuilding the structure, or for the % of the mortgage I am financing. I got 3 different quotes, and they were for $396, $502, and $858. The lowest one was for $396 b/c it was with my car insurance company, but they will only insure the cost of rebuilding the structure, which they estimate as $110,000 (the house is small and in a decent neighborhood.) The second company wanted to insure me for that, but I got them to quote me on $140,000. That amount, when you add in the 25% overflow they allow you, meets the 90% of the mortgage amount I am financing. The 1st company would not do that for me. The 3rd quote was for $140,000, and was with the people w/whom I have had renter's insurance for 12 years. The only difference was that there was not a wind damage deductible of 2% on the 3rd quote. My loan officer says to just get enough insurance to rebuild the structure. How much insurance should I get?""

What is the best motorcycle insurance for military personnel?

i am joining the military and i was wondering what insurance company offers the best rates for motorcycle insurance for a 19 year old male?

How much auto insurance do I need?

How much auto insurance should I get for a 1999 Ford Escort that is already paid for. I have insurance now but it is 660 dollars a year and that sounds like way too much for an 11-year-old car.

Can I sue my husband's car insurance company?

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

Looking for some dental insurance in California. Any suggestions?

I'm right now looking for some dental insurance in California, but after looking for a while, I'm getting quite confused. My aim is to get an affordable plan that covers things like root canals, cleanings, x-rays. Adult braces and braces are of a lower priority right now. Does anyone have any suggestions for an affordable plan? My current location in in the Bay Area.""

Impounded Car Insurance Payment Method.?

Hi Everybody, Just asking everyone if any one ever paid for the insurance for an impounded car by police? What happened is my car got stopped over by police and towed away by their recovery van. Now i am getting an insurance to get it back ( Long story short , the car i was driving was without insurance as i had not received letter of my insurance cancellation and i was under the impression that i had insurance ) I have searched and able to get a quote from two well know car insurance companies ( One of them is impoundedcarinsurance.com and other is seizedcarinsurance.co.uk ) and both companies are asking for DIRECT TRANSFER OF MONEY IN THEIR BANK ACCOUNT as they dont accept Credit Cards and Debit cards for the payment. Has any one paid by this method ever ? Is it secure ? Am i being suspicious wrongly or there is some thing fishy in it ? Many thanks in Advance !""

""Receiving life insurance prodeeds, and my chapter 7 bankruptcy?

Can the trustee take my money that I will be receiveing from my moms life insurance policy?

Which insurance company is better.. AllState or MetLife?

My husband and I want to get a 20-year term life insurance next week and will meet with some reps./brokers. Down the road we will probably add auto and home insurance. If you are a customer of either company do you recommend them in regards to their required premiums and quality of service? Your imput is greatly appreciated. Thanks.

Would having a baby affect you car insurance rate?

I just had a baby 3 months ago and I was jw if it would affect my rate if i told the company.

What is the basic kind of insurance required by California Law?

What kind of insurance covers something like another driver hitting your car door, and then driving off before you could get their license plate # what is comprehensive , and what is collision, ?

Would my car insurance rates go up if I switch?

I'm insured with geico but I've found a better deal with esurance. I can't afford to pay both. I want to cancel with geico and start over with esurance before the geico policy cancels. If I did this would esurance charge me a higher rate? I know it will effect my credit negatively.

Cheapest car insurance in san antonio?

Where to go to find a house/car insurance quotas!?

I have a project for my economics class, we have to make a family of four budget for a month and we have to like buy a house, a car, food, and lots of other things But with this we have to go into detail and we have to find out the Homeowner/Renter Insurance and Automobile Insurance but I really have NO clue where to go to find this. Is there any website that just gives you the direct quota of how much it will cost you a month? Help me out anyone?""

How much is car insurance for a teen?

I'm 16,I have a 2002 Camaro SS,I live in Las Vegas,Nevada.(don't stalk me lol).My dad has Geico insurance.What else do you need to know?""

Question about college health insurance?

If my current health insurance is expiring this end of December, am I able to opt-out of the university health insurance for this fall and reapply for the university health insurance for the spring term--just to save money?""

Is there a car insurance company which specialises in please answer?

stupid question at this moment in time i think with car insurance company's not insuring young drivers but is there a company which specialises in insuring young drivers on nice cars or just specialises in insuring nice cars thanks ??

Who has the cheapest car insurance?

Car insurance for 17 year old male?

hi how much would cost a car insurance for 17 year old male? with engine 1.4 or 1.6 for example volksvagen golf or honda civic? is it worth to wait a year until im 18 will cost of the insurance descrease much?

Best car to insure for a provisional driver?

I want to change my car, but the next car will have my son as a provisional driver. I have been driving for 20years, am female, and have not made any claims. Live in the uk. I have tried the insurance comparison sites, but you need to put a make and model in. Would like to know what others have found to be the cheapest. I would prefer an mpv, or crossover, but am open to suggestions. Many nanks""

Grace period between car purchase and insurance purchase?

In NYC is there a grace period between the time that you purchase a vehicle and the time that you purchase insurance? I'll probably be making the purchase next weekend and hopefully my insurance within that same following week. I heard before (I believe I heard it on Cops) that you had 30 days to purchase insurance so long as you kept the purchase receipt for the vehicle in the vehicle, and when you get pulled over (if), you would hand the officer the purchase receipt as a temp insurance and say that you are actively seeking an insurer. Is this true? I'm 20 years old and purchasing my first car (yes you can say hello to my $6000 a year insurance quotes)...so I don't really have much experience in the area. Any info would be awesome - thank you! Also, what exactly is the process? To my understanding it goes like this: 1) Purchase vehicle 2) Purchase insurance 3) Register the vehicle Is this correct?""

""Which company offers the cheapest auto insurance in Snohomish County, WA?""

It's my first time having to get car insurance - I know there are a lot of factors, but I'm just looking for a general answer - not just Geico, Allstate, State Farm, etc..... Thank you :)""

How much will insurance cost on a 1973 Dodge Challenger?

I am looking to buy one and its going to be under my parents name so I was just wondering if anyone can give me an estimate. Thanks!

ChEAPEST CAR INSURER FOR?

I want to get either a reno clio 2001 or an old mini. i know the mini is likely to be cheapest. I'm a 17year old male. Which company would give me the cheapest car insurance? DON'T TELL ME TO GO TO GOCOMPARE.COM TRIED THIS ALREADY, AND ON VARIOUS OTHER COMPARISON SITES. Thanks""

If i get a toad alarm for my car will it make my insurance cheaper?

Car insurance In connecticut?

Im 18 and i just got my license about a month ago. I was talking to my dad about getting a car. and he said he was gonna give me my moms car which has new york plates on it for me to drive ( we use to live in ny and the plates are from there) and hes getting my mom a new car. i was talking to him about insurance and he said that i would be driving on his name. Hes not adding me to the insurance though cause he says its to much money. He told me that all i have to do is drive careful and not get into a accident.im still worried though cause an accident can happen regardless if Im careful or not. is this Legal ? to not be added to my dads insurance?

V6 mustang and v8 mustang insurance?

how much more would a v8 mustang insurance be than a v6? im 17

Could somebody give me what they pay on average for insurance on a 2001 ford explorer sport?

i am looking to buy a 2001 ford explorer sport and was wondering if someboy wouldnt mind telling me their average yearly insurance payments?

Motorcycle insurance ?

I'm 17 now im ganna be 18 in a year i i like 2 plan ahead i live in Florida and i want 2 get a 2008 ninja 250r and i want 2 know how much the average payment a month im running into so yea please and thank u

Car insurance for 2 people in 2 places...?

My father is going to add me to his auto insurance. He lives in the the Bronx, NY and currently I go to school in upstate New York and is where I will be using the car and I know car insurance is cheaper upstate New York. With that being said is it possible for his part of the insurance to be filed in New York City and my part to be filed through the upstate location? While still having him receive the bill for both... Thanks in advance!""

Car Insurance approximation...?

I would like to know approximately how much it would cost to insure a 2009 Nissan Altima Hybrid, 4 doors, 2.5, 15,000km, I am 59 years of age, live in the Quebec Penninsula Area. One driver only, for leisure purposes""

""No car insurance in Florida, what happens?""

If my husband has car insurance on our car and his father is the one who technically owns it, and i get in a car accident with no car insurance in our car...what happens?""

How much you pay for car insurance if your in early 20's?

I'm a 21 year old college student. Im going on to my junior year and have just gotten a car. I have always gotten a ride with my friends. I got a quote from Farmers Insurance for $2600 for 6 months full coverage is that normal?

What is the point of car insurance?

Im 15, and of course im thinking about getting a drivers license. I feel bad for my parents though, cause they have to pay for the insurance, and its going to be more money than my sisters insurance cause im a guy, and it costs more for some unkown reason. So I thought I would just be a safer driver and just not get insurance. I asked my parents about it and they told me it was illigal NOT to get car insurance. so I said, well, at least if I do get in a car reck, it will be covered and they replied; you have to pay for it anyways. three questions: Why is car insurance illigal to not get? What is the point of car insurance if it doesnt help cover accident costs? And why does gieco and other companies advertise if its illigal not to get it? Thnx so much!""

Can i drive my car with an international licence and provisional insurance?

can i buy a car in the uk and insure it on my provisional licence and drive it with my international licence so i dont need to bring another driver to sit beside me during driving. the reason i'm asking the this Q is because insurance is much cheaper on the provisional licence.

Will auto insurance find out about my ticket?

I got 2 tickets carless driving and 62 in a 40. My truck has insurance in my grandpas name. the cop asked for my insurance but i lied and said i didnt have it so he didnt even see a insurance card. do you think that progressive will find out? they did last time when i got pulled over but i gave the cop insurance

What is the basic kind of insurance required by California Law?

What kind of insurance covers something like another driver hitting your car door, and then driving off before you could get their license plate # what is comprehensive , and what is collision, ?

Car insurance? Geico? encompass?

I just recently signed up for encompass insurance company. Does anyone know anything about them? good / bad? How is Geico? Do you recommend any insurance good car insurance companies? i'm from NJ.

""Where can I find affordable health insurance in the Neosho, MO. area?""

Where can I find affordable health insurance in the Neosho, MO. area?""

Can you get braces free if you have health insurance?

i want braces. can i get them free if i have health insurance

Is insurance needed in WA state?

im 16 and have a r1 and insurance would be hundreds. I never insured my 250 sportbike that i had but dont want insurance for my new one. Is it illigal to drive a motorcycle without insurance?

Where do I find the group number on All kids family healthcare insurance card?

Hello, I'm filling out a student medical form for school, and it asks me for my insurance company's group number. I have All Kids healthcare insurance. Can anyone tell me where is it located?""

What are the top 5-10 cheapest car insurance?

And which one is the cheapest?

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

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

International student health insurance US?

My college requires insurance. I am already in the US so I won't be able to purchase a plan from insurance provider from my homecountry. Can anyone give some suggestions of affordable and reputable insurance provider that you have used? I did some googling but I would want to confirm that the insurance companies are indeed legit. Thanks!

Car insurance question...?

If you have insurance on a car, is the car covered in a wreck no matter who's driving it?""

""Average car insurance for 17 year old in ON, Canada?""

I'm a 17 year old female, no problems with driving, and with drivers ed course completed and certified. I have good grades going from 70s-90's. I'm looking into getting the new 2012 Ford Fiesta once I get my G2. How much would I pay a year/month for car insurance? Thanks""

Auto insurance quotes?

Car insurance for 17 year olds in the UK?

How could i get a cheap car insurance and what would be the cheapest price? every site i have been on it said about 3000 and that would be more then what the actual car costs.

Car accident with someone who will not respond back to the insurance for verification?

Someone with insurance rear ended me. I took his insurance information and called his insurance the following day to report the accident. The person who rear ended me did not call the insurance and he is not responding to his own insurance who are trying to get ahold of him to confirm the accident. It's been three weeks. His insurance called me yesterday and said that I need to use my own insurance for get my car fixed. I have a note written by the person who rear ended me admitting that he did cause the accident. What legal actions can I take against the person who rear ended me?

How do I register a restored classic car without a VIN?

What my question more specifically is, is- If I restore a 69 Camaro from the ground up, and the vehicle does not have a VIN number and no original parts, how do I register it? How does the DMV determine the year of the car is 1969?""

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

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

Reducing Car insurance?!?

Hi, I am just curious because I know someone who does this but situation is a little different. His parents are split up so he has a car at his mother's house (where he would HAVE to be registered as primary driver) but he lives at his father's house so he only pays occasional driver's insurance even though the car is always with him. (both the father and mother have licenses however are not insured under the car in question) I am just asking if it were possible for me to do that with my grandmother for example. If I get a car registered under her name, but since I don't live with her can I pay as an occasional driver? She does not have a license. If it helps I live in Ontario, Canada. Thank you""

Insurance premium after fender bender?

So I was involved in a fender bender in a case where I was at fault. Minor damage to the rear fender of the jeep in front of me, no damage to my car. Question is, if I file an insurance claim how much do you suggest my rates will increase? I am 21 year old male, not one ticket, or accident prior to this case, been driving for 5 yrs.""

Have you ever heard of a Car Insurance doing this?

Have you ever heard of this before: I know a person who has car insurance with Allstate and they claim the following reason for jacking up their prices every 6 months when you pay the bill for the next 6 months. The Reasons from them are: 1-Because since you have allstate and when anyone else that has allstate also in your area has an accident where them and someone else is involved this will make your payment go up. 2-All insurance companies do this also where if anyone not involved in an accident say at home and someone else with the same insurance company as you have, if they have an accident even if your at home when this happens your payments will go up. My Father has had direct for i don't know how long but a long time and every time someone has a wreck that has direct and he is not involved in it he still pays the same amount he did last time before the other direct insurance people have a wreck. Please also provide the name of your insurance company as I want to make a chart of how many people answered and what insurance company they currently have or had. Thank you I'd greatly appreciate the insurance info that's all I would like for the chart not your name.""

What exactly does car insurance cover?

If I left my car out in the rain with the sunroof and stuff open and my car suffered water damage because of it, would I be screwed? Or would the insurance help pay for the damages or just compensate me for a new car?""

How do you find an insurance quote for a car you may get?

I am looking to trade my Car, which is just a Sedan for what would be considered as a sports car. The car is older, but I'm certain the price will go up because of the fact of it being a sports car, I can't find anywhere that will give me a quote on what to expect insurance price wise if I were to complete the trade. Does anyone know of a place to find this out? I am trading a 2003 Ford Taurus SES for a 1997 Mitsubishi Spyder Eclipse GST Convertible""

Car insurance - will it change from CA to NJ rate?

my car has a california license plate and i have a illinois driving license..i just wanted to change my illinois license to NJ driving license... will this affect my car insurance.or will it affect only if i get my license plate changed from CA TO NJ

Is it legal to keep a check from my health insurance company that they expect me to pay the doctor with?

We are having a really difficult time financially. My husband gets a very large bonus in December and we will be back on track and then some. So here's my question. I recently ...show more

Should I purchase car insurance?

I'm buying a car on Saturday and want to arrive with proof of insurance so I can drive the car off the lot ASAP. I was given a quote for a vehicle I won't be getting. The year will be the same year though. I'm also not sure about plates and registration.

Could anyone recommend a decent car insurer for a 17yr old female in the UK???

I am looking for cheap car insurance, the cheapest I have found is 860 fully comp for a Fiat Punto. I would like to find cheaper, could anyone recommed an insurer??? Thanks, Jay""

Best insurance lawyer in southern california?

i had my car stolen and the insurance company is trying to screw me so i need a good lawyer to help me fight back.

What is the basic kind of insurance required by California Law?

What kind of insurance covers something like another driver hitting your car door, and then driving off before you could get their license plate # what is comprehensive , and what is collision, ?

Trying to get free motorcycle insurance quote from progressive?

Its asking me this though: What date would you like your Progressive policy to start? Im confused. I just want a free quote, i dont want to actually sign up for insurance""

Do you need car insurance to put a car under your name?

I have an used car, to switch the car to your name, and register it, do you need to have insurance?""

Health insurance for geriatrics.?

My mom is going to be 64 years old in December and has being diagnosed with high blood pressure. She doesn't qualify for medicaid yet; which insurance company should I contact in Florida, so she can get an individual health insurance?""

Computer experts: tips on how to insure the longevity of ones computer?

System Properties: Microsoft Windows XP Home Edition Version 2002 Service Pack 2 Dell Dimension DEO51 Intel(R) Celeron(R) CPU 2.53GHz 2.53 GHz. 768 MB of RAM AT&T Yahoo service provider - MODEM Speedstream 4100 My Comp. Tech told me he had tripled the memory; so the above specs. may not be accurate with regard to this. When not in use, I always put it on Stand By . Disk Fragmenter: when should I, and should not, utilize this? I'm 74 yrs. old, and had never even touched a computer til I retired; and have no formal education in computer operations. So please delineate your responses in layman's terms. Any recommendations so as to insure my computer's longevity would be greatly appreciated. Thank you, Alberich""

Where can I find affordable health insurance?

It is for me, not a family""

Affordable car insurance for HORRIBLE driving records?

I am looking for affordable car insurance for a poor driving record. I have never gotten a DUI or anything like that but I have been caught driving without insurance a couple times. I also have had speeding tickets and my license suspended before. Now that I am older, I obviously see the consequences. I am currently insured by Gieco but it is over $450 a month! I am willing to pay up to $200 since I know my driving record is not pretty. Does ANYONE have any suggestions and WHY?""

Why is my car insurance expensive as the year go by?

i got the car in 2009, each year the car insurance keep rising by price.. it was 400, then 600, now its 800... but as the year go by the car is getting older, so why is an older car insurance more expensive? does this have anything to do with the fact that my car has leather seats?""

Will car towing service affect my future insurance quote?

I had my insurance company tow my car today(roadside assistance), will the towing service increase my future insurance quote? Thanks.""

Will my insurance go up when i get my own car?

i'm on my grandpa's insurance which makes my insurance 27 dollars a month but i do not have my own car. when i get my own car will the insurance go up and if so, how much will it go up?""

Do insurance rates go up if you put a turbo kit on a car?

does the insurance company need to know

""Cheap car insurance for a 17 year old, impossible?""

I need insurance for a job & i can't afford insurance.. So expensive atm, last year was about 1700 now its 4000 for 1L? What they playing at, anyone insured anyone recently with cheap car insurance at 17, i don't want to know why it is expensive thanks!""

Need to get proof of no claims car insurance from years ago?

I have been out of the country for some time, prior to this I had a few years no claims on my car insurance, can I get prrof of this somehow now I am back to help reduce my insurance costs?""

Will insurance points carry over to another company?

I have 9 insurance points. My mom is wondering if she signs me onto her policy, will the rates go up dramatically, or will they still be reasonable?""

What is the cheapest/best insurance for a 24yr old student/ stay at home mom?

My 3month old is covered under medicaid, but I need help finding an affordable insurance for myself. My fiance is covered by his work for free, but it would be $200 a check for him to add me and we cannot afford that at this time.""

Medicaid insurance with another insurance?

I was wondering what the qualifications are for Medicaid. Specifically, I have UBH insurance...since I have insurance already, would I still qualify for Medicaid? I am 19 years old and live on my own now.""

Is there anyway to get decent homeowners insurance at a cheap price?

My husband and are in the process of purchasing a small home. We are seniors living on a fixed income and have to watch every penny. We have two weeks to find the homeowners insurance and they all seem to be so high in price. Does anyone have any ideas how we find an affordable homeowners insurance?

Health insurance for college student?

I'm currently a full time college student at 19 years old and looking for affordable decent health insurance. I don't work right now either and am still paying off a 2k dental bill with the money i had... (sigh) any good plans? (im in southern california by the way)

How do I get Cheap Car Insurance?

I am looking at buying a car for the first time in 8 years. So the problem is that I do not have any No Claims Discount for my insurance. Even though I am 40 years old, clean driving license, no convictions etc, I am being quoted over 400 TPF&T for a 1.4L Astra of Golf even with my retired Mum added as a named driver. I am an office worker, single, won't use it for commuting and will do less than 8000 miles a year. It will sit parked on the street for 4 or 5 days of the week. Does anyone have any top tips for reducing car insurance? It seems daft to be paying over 400 to insure a car that costs under 2000 Thanks Paul""

On average how much does it cost a year to drive for a 20yr old in UK?

I'm planning to start driving (im already learning)but I have big plans I want to carry out and been told I won't e able to if I start driving I spend about 120 a month on bus fair already but how much would driving cost? Would it make any difference on insurance if I waited till I was 21?

Affordable insurance for children in Texas?

Does any one know of any insurance for children living in Texas? I had medicaid for my children; but, got disqualified because of a vehicle that we recently purchased. Our income really stinks. But, we never thought that it would affect us. But the resources count against us.""

Cheapest auto insurance for a teenager?

I am 17, and my parent's won't let me get my learner's permit until I can get a job, buy my own car, and pay for my own insurance. What is the cheapest auto insurance company, but with good polices? I make good grades if that helps at all.""

Car Insurance for 19 year old?

I'm planning on taking my driving test during summer, and hopefully if I pass I want to buy a car. My mums made enquiries about putting me under her car insurance and roughly the prices have been between 3,000-4,000 which is ridiculous. Does anyone recommend/know any car insurance companies where I can get insurance for around 1,500 max ?""

How much do you pay for car insurance?

I know that you cant tell me exactly how much car insurance would cost for me so I am asking how much you pay for car insurance? If you are around 18 years old and drive and older car and have good grades how much do you pay per month for car insurance?

Need advice on good medical insurance company?

Wanting to purchase medical insurance for a family member. Looking for a very good company who could provide major medical insurance with at least a $2,500.00 deductible. Just mainly looking for some basic coverage. Thank you for whatever advice you can give me.""

What type of car is cheapest to insure?

I am 16 and looking to buy a car under 10k. I want an SUV but what I hear they are a lot more to insure than a sedan? is there a big difference in insurance price when it comes to Suvs, sedans, and sports cars? For example here are three types of cars one a suv, one sporty, and one sedan. Which will be cheapest? Ford Expedition Mazda RX8 Chevy Malibu""

What is the basic kind of insurance required by California Law?

What kind of insurance covers something like another driver hitting your car door, and then driving off before you could get their license plate # what is comprehensive , and what is collision, ?

https://www.linkedin.com/pulse/can-landlord-require-me-carry-renters-insurance-peter-cook/"

0 notes

kc4ksu · 7 years ago

Text

Transition

Ironman Texas 2017, in Houston, Saturday, April 22, handed me a proposal on the word quit. On my bike in this race at mile 90 is when I decided to look into this proposal. I studied it in depth for 22 miles until I reached 112. Those 22 humiliating miles highlighted every reason why I should quit. I was convinced, by mile 112, to quit. It was time to vacate this race.

Plan A, my only plan, was to compete with the elite for a Kona Qualifying spot.

“If you fail to plan you are planning to fail,” Benjamin Franklin. And, I failed to make a back-up plan, a Plan B.

I have two incredible nieces and nephew, and their ages together add up to less than 22. I call them The Minions.

A couple weeks post-Ironman Texas The Minions and I watched an animated movie. One scene in particular caught our attention. It was about a hippopotamus and its naive audience at a zoo. The audience, who went silent at first sight of this incredible four-legged beast, erupted into excitement after a quick study. They had never laid eyes on an animal of this stature.

The hippo’s reaction to its audience was quite different. It stood motionless for a moment facing the audience and analyzing the situation. Then, casually turned 180 degrees, and began to spin its tail at increasing speed. A loud sound squeaked from its butt to provide the gift of smell to its audience. Then came the big surprise! Its tail launched dung in all directions. The audience’s faces were splattered with poo.

The poo-stricken faces reminded me of Ironman Texas and an inability to avoid disaster.

“I’m done, man. My legs and arms have been cramping since mile 90 on the bike. I ‘soft peddled’ the last 22 miles. Mentally and physically, everything is gone. Honestly, Newland, I can’t wrap my mind around a marathon at this point. A ‘finish’ isn’t why I’m here,” I said to Jason Newland who stood opposite me on the spectator side of a 4-foot tall chain link fence.

I was several hundred steps away from the T2 tent where I would soon, but not soon enough, disappear and hide from reality, or so I thought.

Both my arms draped over the chain-link fence, and as I looked at Newland he was at a loss for words. My actions weren’t fair to him as we stood face to face in this awkward situation. It was our current reality, and 180 degrees from this morning’s high fives in anticipation of crushing the race.

“Come on man, you don’t have anything to prove. It’s totally cool if you hand in your chip and call it a day,” Newland said.

Exactly what I wanted to hear! Newland’s words were comforting. Permission for freedom. It was so eloquent in this moment of despair. A type of despair I call a First World Problem. This is a problem we can easily escape by making a choice. For example, I choose to eat because I’m hungry. It’s not a life or death situation.

“Hey, one more thing,” Newland said loud enough to hear as I started walking towards T2. “You might regret it if you quit.

He deleted the one comfortable thought in my head. Newland cracked my skull open, reached in and pulled out every ‘you don’t have anything to prove’ thought, and crushed all justifications to support the proposal I studied for 22 miles on the word quit. A 26.2 mile run seemed impractical. No, it seemed impossible.

Liz, my wife, landed in Mallorca, Spain, at about the same time I was in my First World Problem. She booked this trip to shadow one of the best tri-coaches ever for a week, Brett Sutton, . She was devastated with the overlap on her trip with Ironman Texas. But this opportunity to shadow Sutton was a no-brainer to continue developing her coaching skills.

At Ironman Texas Liz wanted someone there for me who would say the right thing at the right time, especially in adverse situations.

She chose Newland.

Liz said, “Newland’s the next best thing besides me at Ironman Texas.”

Good choice. He’s a natural leader with a no-nonsence attitude, and no filter between his thoughts and mouth. He is sought after successful pediatric infectious disease MD at Wash U in St Louis. A 2x IM Kona Qualifier. And, simply put, he is a hell of a friend with a history of rising above anything or anyone who poses a challenge to success.

As I continued to walk further away from Newland, and closer to T2, athletes ran past me on my left side. My mind was so far out of this race. It wasn’t a race at this point. I welcomed each athlete to hit me on my left shoulder when they passed, and most did.

I really wished for someone to run me over like Bo Jackson did to Brian Bosworth during their first and only meeting in an NFL game. I wanted someone to put my lights out before I reached the T2 tent.

“Yep, look at that guy. The one who obviously went out too hard on his bike, or messed up his nutrition, or both. He is now mentally and physically broke. Rookie mistake! Enjoy walking that marathon! It’s gonna be a long day,” said my irrational state of mind as I caved in more to my First World Problem.

Once I reached the T2 tent I really didn’t know what to do. I just wanted to find my ‘alone’ space.

I found a chair. And I just sat there mentally numb and watched athletes come in, transition to their running shoes, and disappear towards the start of a 26.2 mile journey.

I realized, for the first time, most athletes in T2 suffer from temporary dementia. It’s the magic that involuntarily suppresses the gravity of running a marathon after a 2.4 mile swim and 112 mile bike.

I was dealing with a reality of a piss-poor attitude. It’s on the other side of the spectrum from magic.

There were several non-helpful comments from athletes experiencing dementia while I sat in T2 suffering from reality.

“Walk the marathon.”

“Stand up and put one foot in front of the other.”

“Take salt. It works.”

“I’m a really slow runner. Come with me. I know you can keep my pace.”

“The wind was brutal out there on the bike, dude. I know how you feel.”

This was like being in the middle of a twitter shit-storm and no way to exit the app. Newland’s comment on ‘regret’ was my platform to a Plan B.

The last thing Liz needed was to be in a worry state-of-mind if I quit. She was starting her exciting journey in Spain.

Newland took time away from his family, and work to be here. I would be a quintessential impression of an asshole by virtue of quitting.

“Excuses are like assholes. Everyone’s got one and they all smell like shit,” Todd Dicus has said many times. One of his many memorable quotes.

I thought about Brother D, Todd Dicus, and all the blood, sweat and swears we shared on our bike trainers this past winter. He was gritting through this same race, which was his 11th Ironman.

My family’s support is unconditional. It’s there no matter what, and I needed to find a way to apply the same unconditional thinking about the marathon.

Michelle Simmons applied insightful training strategies, and painful training sessions, the past several years. Consistency with these training sessions each day provided me a lot of growth as a triathlete, and as a person. So how would I answer the question when she asks why I quit? Would my answer feel justified? No, it wouldn’t.

And, finally The Minions!

“Uncle Casey, did you win your race?” One of them would ask it. Finishing is winning in their mind. Ironman distance triathlons teach adults this attitude if they don’t already believe it. I witnessed hundreds, maybe thousands of adults over the years cross the finish line with the expression of winning by finishing in less than 10 hours or near the race cutoff at 17 hours.

For so many teachable reasons my answer to their question couldn’t be, “You know what, it was just too hard and I quit.”

My sister, Aubrey Urban, sent a video of The Minions wishing me luck the night prior to Ironman Texas. I watched and listened to it over and over again in my head as a sat in T2.

youtube

This was it. This was the magic. The temporary dementia. The game-changer. HOPE.

T2 became my place to recover from the swim, bike and bonk, and not a place to hide. I began to prep for another race for the 2nd time in one day. I finally had a platform for a solid Plan B.

“Hey, is there a time limit on how long someone can stay in this tent?” I asked an official.

“Na, I don't think so. Never been asked that question. I guess stay as long as you want as long as you finish the marathon by midnight,” responded the official.

Volunteers handed me water that I previously denied. I slowly took in calories from food and gels, and electrolytes from salt. I stood up from my chair, walked back and forth, and sat down again.

I repeated this process until the cramping disappeared and my stomach relaxed enough to absorb nutrition.

It was time to let go. I placed my usual securities I wear and carry with me back in the T2 bag, like my Fuel Belt I wear around my waist with hydration and nutrition. My hat, arm coolers, and a cotton cloth I usually tie loosely around my neck to keep the sun off my skin, also went back in the T2 bag.

I slipped on my sunglasses and race belt with bib number 260, and exited the T2 tent towards the next timing mat where the marathon officially started.

The first person I saw was Dave Dicus, Brother D’s son. He assured me Brother D was crushing his race.

The next person I saw was Newland. He was standing near the timing mat at the run start. I could see by the way he relaxed his body language he was relieved, and curious.

“Go! What are you doing? Go! Come on, let’s go!!” yelled Newland. Now, to translate Newland talk. This means are you okay? You look okay? What the bleep were you doing? Looks like you didn’t quit. Nice job. But now it’s real. Go run!

Simmons and I discussed running off heart rate instead of watching my pace in this race. Previous Ironman distant races showed my heart rate slowing in the second half of the marathon, along with pace.

Many variables lead to lower heart rate like nutrition. But together we believe I focus too much on pace, and frustration sets in when I feel I can’t hold the pace I need from mile 14 through 26.2. It’s a mental block. The pace is there because we see it in training.

Heart rate was the one goal I still had left, and I set out to keep it close to 150 beats per minute on average through 26.2 miles.

Running a marathon after a 2.4 mile swim and 112 mile bike really makes no logical sense. But I truly love it. Because, this is the part of the race where all participants are stripped down to their core and everything is exposed like training, preparation, nutrition, attitude and extreme mental fortitude. There is no more faking it. The temporary dementia most athletes experience in T2 is truly temporary, magic disappears and reality takes its place.

So as I gained momentum from a walk to run I crossed the timing mat, and said to Newland, “I’m gonna give it my best shot. Let’s see what’s gonna happen.”

I started this run with a very simple frame of mind, “just run and enjoy the freedom of running.”

As Newland’s voice drifted off I formed a small tiny dot, a mental place, in the back of my head. It was my magic place. With my eyes down and in front of me I focused on that small tiny dot, and never left it for 25 miles.

The cramps constantly pinged my muscles, but every time they surfaced I literally said out loud to myself “<bleep> you.”

Four miles into the marathon and I was still running! I felt damn good except for the constant cramps poking at my hamstrings and quads. At every aid station I splashed myself with water and ice, drank Gatorade and Coke. And, at the end of each station I grabbed calories for the road. In between aid stations I constantly took in salt.

After each aid station it was back to the small tiny dot, and a lot of “<bleep> you’s” at the cramps until I reached the next aid station. Water, ice, Gatorade and Coke. Calories, salt, and the tiny dot. Run one mile and repeat.

At mile 24.5, before I made my 3rd and final turn leading out of a McMansion Woodlands’ neighborhood, and on a descend to the Woodlands River Walk, Newland stood waiting. He yelled, “Kershner, if you keep up this pace you will qualify for Boston!”

My stamina felt great. I increased my pace as I had the endurance to do it, but I really had to focus on using different muscles by shortening my stride with a shallow right leg recovery. My right hamstring locked twice several miles back which stopped me briefly in my tracks. The warning cramp in my right hamstring intensified, but my “<bleep> you’s” kept winning.

Only 1.5-miles to go! I ran by the drunk half-dressed crazies for the third and final time. Near the end of their cheering section a spectator walked and weaved across the sidewalk perfectly timing her meeting with me. As I made contact she was looking the opposite direction. I was shocked how easily she bounced off and into the crowd. The drunk crazies loved it and their cheering loudly increased, and faded into the past.

Only 1 mile to go, and I couldn’t move! It was awful, because I looked to my left and there was the finish on the other side of the River Walk. I was so close, but my right hamstring finally locked, and all I could do was stand strait up and try to keep from falling backwards to the ground.

I reached around with my right hand and jammed my fingers into the back of my right hamstring. It felt like a LaCrosse ball in the back of my leg. It took at least three minutes before the muscle released, and I began to walk with caution. I had to take a few steps and stop, and repeat until the process turned into a jog. At the next aid station I sucked down as many electrolytes as I could before my last push to the end.

My pace slowly picked back up without the debilitating cramp returning, which allowed a ton of enjoyment the last quarter of a mile on the run. I let the small tiny dot go, and began to really soak in the finish. Crossing that Ironman distant finish line was personally the most rewarding one compared to any others.

This was a day packed with many emotions from excitement to pain, to frustration and thought, to focus and busting through obstacles, to finally being overcome by joy.

Jimmy Valvano said it right in his speech at the 1993 ESPY’s, “Number one is laugh. You should laugh every day. Number two is think. You should spend some time in thought. Number three is, you should have your emotions moved to tears, could be happiness or joy. But think about it. If you laugh, you think, and you cry, that’s a full day. That’s a heck of a day.”

A couple weeks post Ironman Texas one of The Minions named Pearl wanted to show me her bike riding skills prior to watching our animated movie. She rode up a neighborhood hill with impressive power and back down several times before coming to a stop. She looked up at me and asked, “Uncle Casey, did you win your race?”

I knew one of The Minions would ask it.

-The End.

Personal Notes on Race Analysis

1:15 - Swim. Lined up in the wrong spot? I couldn’t keep swimmers off my legs the majority of this swim. Tons of bumping, and grabbing for position. I remember at the half-way turn-around how tired I felt from fighting off bodies. I remember the turn into the canal and passing under the first bridge and thinking this swim should be done. I had the endurance from my swim training. I believe I just burned a lot of matches from fighting off bodies for 2.4 miles. I never found a rhythm.

4:29 - T1. Not great, but it was fine.

5:11 - Bike. Bonked at mile 90. Felt like it took 20-miles to shake the swim off my legs. Once we hit the freeway I could see my competition on the two loop course. I measured how many minutes I was behind by marking bridges they passed under. I estimated early in the race I was about 15 minutes behind most of the top guys. I let myself get out of my race and focused on others, which was my plan. I had nothing to lose after finishing 10 previous Ironman distant races, and coming as close to one spot away from Kona Qualifying. I figured if I bonked in this race at least I bonked trying. It was super humid first three hours. Winds shifted and cam from Northwest with 40 miles to go, gusting up to at least 30+ mph. The temps went from hot and humid to actually having a wind-chill on the bike. I nailed my nutrition better than any other race on my bike. Inside of quads seized at mile 90, and there was nothing I could do but stand. Triceps locked and then I had to sit. I rotated between standing and sitting from mile 90-112.

Lap 1: 30′, 150 avg hr, 206 avg np, 79 avg c, 22.5 avg mph

Lap 2: 30′, 153 avg hr, 215 avg np, 78 avg c, 23.2 avg mph

Lap 3: 30′, 153 avg hr, 212 avg np, 73 avg c, 23.0 avg mph

Lap 4: 30′, 151 avg hr, 211 avg np, 74 avg c, 22.5 avg mph

Lap 5: 30′, 151 avg hr, 211 avg np, 72 avg c, 21.8 mph

Lap 6: 30′, 150 avg hr, 207 avg np, 73 avg c, 22.8 mph

Lap 7: 30′, 149 avg hr, 204 avg np, 72 avg c, 23.2 mph

Lap 8: 30′, 147 avg hr, 196 avg np, 69 avg c, 20.2 mph (heading into bonk)

Lap 9: 30′, 146 avg hr, 179 avg np, 71 avg c, 17 mph (bonk)

Lap 10: 42′, 124 avg hr, 152, avg np, 70 avg c, 16.4 avg mph (quit)

21:56 - T2. This was not the plan.

3:18 - Run time. Topped best IM run time since my first one; a 3:23 in 2010 at Ironman Wisconsin. Finally shed that wait off my back.

Lap 1: 1:32, 142 avg hr, 7:18/mile pace. (I could have increased my hr closer to 150, but constantly ought off cramps t try and keep moving forward w/o my legs locking up).

Lap 2: 1:43, 139 avg hr, 7:50/mile pace (this includes miles 25 through 26.2 where I stood motionless for a while, recovered and pretty much jogged it into the finish).

10:11:32 my overall time. 33rd in ag. What’s crazy is I was 45′ from a KQ slot since it seems a lot of ringers showed up for this ‘North America Championship’. Honestly, my perfect race I would have been close to a 9:30, maybe a little faster, or maybe a little slower, but very close to a 9:30. Finishing, and overcoming, was a much better experience than having my perfect race and finishing several minutes away from a Kona Qualification. There’s a silver lining in everything. It’s all about perspective.

Why didn’t I have the race I planned? I conclude it comes down to little things adding up to a great day or a poor day. There were a lot of little things in my prep for this race that exposed my weakness on the bike.

The little things

I only rode outside a couple times leading up to IMT. Knocking it out on my trainer using power is almost always better than riding outside. No stop lights, no traffic, never stop peddling, uninterrupted sets, safer, etc. But, I needed a couple more solid rides outside simply to train other muscles like balancing muscles to fight wind.

I didn’t have much acclamation to humidity leading up to this race. I took the hot baths, saunas, but not enough of them. Through most of the morning on race-day it was 90 + % humidity, and very warm.

I didn’t get in one open-water swim. I’m not big on needing many open water swims. If you can swim, well, you can swim! But, there is a benefit to getting in the open water, similar to riding outside enough to get your muscles used to the elements again.

My mental focus wasn’t at a passionate level it needed to be leading up to IMT. I nailed my training sessions, but it was more because I felt like I ‘had to’ instead of a motivational attitude of wanting to improve. My passion was inconsistent heading into this race. It is not possible to compete at a Top-10 ag level level in these IM Distant races w/o being absorbed with passionate every morning when the alarm buzzes. It’s thinking about everything and how it affects tomorrow’s training. It’s not just about nailing training, it’s also putting a high level of importance on recovery, eating, sleeping, and doing every little thing to have that physical and mental edge on race day. At the end of the day I lacked that passion which was exposed at mile 90 on the bike during this race. Why was I able to nail the run? It’s simple. The training was there to do it. And I found the passion and focus to compliment my deep endurance for the marathon.

#Reds #Redstriteam #mamasimmons #bsc #triathlon #swim #bike #run #trisutto #brettsutton #bonk #nevergiveup #imtexas

0 notes