#in my life ive only studied like 3 hours and yet its been really effective?
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15/4/24
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Saw the moon
Did well with studying
Gave my cat a fright by cracking my wrist and he meowed at me and came and lay on my lap
Loosemble comeback!
#happiness diary#happiness diary: april 2024#so i did a practice run for my exam#well for one of the essays for the exam cus we haven't been taught everything yet and theres 3 essays#but for this essay i have like 1 hour to write it#i got it done in 40 mins...#but also ive only studied for like 3 hours max over 4 days and i didn't even study for the past 2 days#not even reading#and somehow i managed to write the essay with only 4 minor corrections needed#...#is this what studying is like?#ive never studied before this so i dont know#in my life ive only studied like 3 hours and yet its been really effective?#is it always this effective?#should i have been studying all my life?#i mean ye but would i have passed higher english with a better grade if i did more than listen to the quotes on the way to the exam?#it looks like i would have! and i dont know how to feel about that!#i feel like i played myself out of getting good grades#but i also feel like im cheating cus is studying supposed to be this easy that you just remember everything after a couple hours?#dunno!#anyway im gonna knock out cus i took an antihistamine and the shop bought ones always knock me out#night
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After hours of "Organize your life with google calendar!" and "How to task batch" yt videos, this is the timeblock schedule i've come up with:
This is just for week 1, then i'll tweak anything thats not working and fill in week 2, and iterate that for the next 5 weeks.
I have to remember that this is a guideline, its not my day set in stone, and its not the end of the world if i go off schedule. This is for when im like "ive been scrolling tiktok for 15 minutes, what should i actually be doing rn? Oh yeah, its my study x block". This is a loose schedule and i dont want to stress myself out trying to follow it exactly, eat exactly at the set times, go to bed exactly at the set time, etc.
At the same time though, im feeling upset that I havent really gotten any "real work" done yet and its already 1:45 on tuesday. Today I've showered (*let me make it clear that I added "shower" last minute as a reminder that i really needed a shower this morning, and also to test how long it'll take me for future timeblocking needs. I don't/won't only shower if its scheduled in my calendar lmao), had breakfast, and walked the dog. I had 3 tasks i needed to get done in my task items block, and didnt do any of them. Well, 25% of one task, then got stuck on hold for 20 minutes.
I even took my adderall this morning after breakfast, hoping it would help me want to get stuff done, but it didnt. I just watched twitch vods and stressed out about the tasks i wasn't doing. I was really optimistic about today too! I thought I was gonna be SO productive. I sigh a heavy sigh, check my to do list, close my to do list, and continue watching twitch, feeling like a lazy failure that will never be hardworking and driven enough to not be a lazy failure. And kind of sleepy too, even at 11 in the morning.
Only now, after walking the dog am i starting to feel the effects of the adderall kick in. Starting to feel slightly more motivated and no longer intimidated by the tasks i need to complete. I wonder if it wouldve kicked in faster had I taken it before eating instead of after? Maybe I should take it first time after waking up.
Hopefully I'll get the tasks done, get my exam done, and i'll just have to have a bit less time for learning react tonight.
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got tagged by @panwriter, thank you xx
1. what do you prefer to be called name-wise? ali. pronounce it however you like i dont really care lol
2. when is your birthday? march 26. so just a few weeks from now. oh boy
3. where do you live? joensuu, finland babey
4. three things you are doing right now? pretending im reading the essays i shouldve read for methodology class weeks ago, making a list of things i need to get from the university library (and where those books are exactly - i dont actually go to the uni library very often at all but for some reason rather many of the books i need arent available as ebooks), trying to drink the second bucket of coffee of the day without spilling it everywhere
5. four fandoms that have piqued your interest? re-animator; stephen king multiverse (was gonna just say the shining and doctor sleep but we all know its more than that); saw franchise; the godfather. though with sk and godfather im basically just playing in my own little isolated sandbox and im more than fine with that thank you
6. how has the pandemic been treating you? ah well. its been treating me. got my ba degree and generally have been able to study more so thats good. spent five months with my family in tampere last year and itd probably be good for me to go there again but as it is im stuck in my apartment because of doctors appointments. like thats the only reason i cant just Go. also i recently realized i havent seen my grandma in over a year and cried about that. choir stuff is obviously all fucky and uncertain. also having time to think about things and stuff means ive been figuring out gender stuff so thats been.....interesting....and energy consuming.....and crisis inducing
7. a song you can’t stop listening to right now? täällä on joku by absoluuttinen nollapiste, its finnish weirdness hours in my head 247
8. recommend a movie. i mean, yeah, re-animator
9. how old are you? 25. 26 in a few weeks
10. school, university, occupation, other? university of eastern finland, babey! english language and culture major, literature minor. did my ba thesis on the shining. the novel, fuck the kubrick film, and wouldnt have been allowed to do my thesis about a film anyway. so right now im a masters student and will start working on my ma thesis next year, trying to get as many classes out of the way before that as possible. dont know what im gonna be once i graduate and id really rather not think about that but i do like studying in spite of everything
11. do you prefer heat or cold? heat. but, like... thats relative, isnt it? what i consider warm is Definitely Not warm to someone who lives in, like, texas. and i Tolerate cold and, christ i dont know. my favorite season is spring.
12. name one fact others may not know about you. once came second in a school skiing competition! i was ten. we didnt get medals, we got like pins/brooches and i still have my silver brooch somewhere
13. are you shy? sometimes. often. im anxious
14. pronouns? they/them. like i said ive been trying to figure out gender stuff and the only thing im Very sure of is that i am Not Cis, and im scared, and i get easily defensive about it all, and i have a lot of internalized issues i need to work on. gendered pronouns are like my number one personal enemy, i need the sort of....neutrality, ambiguity, yknow. finnish does not Have gendered pronouns, we have hän for he/she/they/every neopronoun - and we dont even fucking use that one, everyones just se (it) and thats all fine and dandy when you dont want to Think about your Gender every time someone refers to you and im rambling because i am once again getting defensive for no reason sdfdsfs yeah theres still a lot to unload here i swear were getting there
15. biggest pet peeves? on a bad day? everything. but to give an actual answer, people not realizing their experiences are not universal and that their actions can and will have an effect on others
16. what is your favorite “-dere” type? glad to say im temporarily illiterate so i dont know what this says
17. rate your life from 1 to 10, 1 being crappy and 10 being the best it could be im afraid i cant do that luv i dont want to have a breakdown
18. what’s your main blog? this one babey
19. list your side blogs and what they’re used for. i have @ihmekukkavesi for my photography and @shineondoc for university hell and occasional doctor sleep/the shining yelling. im not gonna call it my studyblr cos it....its really not....its not. im not a good student. im not organized, i dont feel like im Doing This right. im definitely not exemplary. everything becomes a crisis and i need to let it out somewhere and thats what shineondoc is for.
20. is there something people need to know about you before becoming friend? oh boy. uh. im not good at keeping a conversation going. yet at the same time i cannot fucking shut up if were talking about something im excited about. i dont know how Real this is but i feel like i might come across as like...arrogant or something but i swear im just scared and trying to keep myself from Rambling(tm) and. well. trying to sound like a normal fucking person.
tagging @nowendil @appelssiini @librarytraveller @sailonacrossthesea @stokoetopia @kirsikkaprinsessa and anyone whos bored and wants to do this
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Va, Tosca!
I’ve been fascinated by ‘Tosca’ since three years ago, when I first heard it in Kiev opera. What motivated me to dig deeper was the stubborn anti-Puccini bias of music critics that started with the opera’s (nay, it's antecedent play’s) premiere and didn’t really cease by this day. Which I cannot understand at all: ‘Tosca’ is literally one of the most popular operas in the world, outperformed only by such eminent names as Verdi’s ‘La Traviata’, Mozart’s ‘Die Zauberflöte’, Puccini’s own ‘La Boheme’ and Bizet’s ‘Carmen’. So what gives?
‘Tosca’, original poster, 1899
The premise of this 3-act opera by Giacomo Puccini is rather simple: a villain wants a girl who loves a boy who loves her back and also helps revolutionaries. And also it’s a tragedy, like in a Shakespearean Everybody Dies kind of tragedy. You can pretty much guess the plot from there.
What I personally like about this opera is the combination of lightning-fast plot (the action takes place within several hours on June 17-18, 1800), finely developed character portraits, and music that explains and foreshadows everything you need to know.
Naturally, I don’t take the vague criticisms of ‘Tosca’ all that well.
Ha più forte sapore [bits of history and background]
Puccini’s opera is based on a 1887 5-act play ‘La Tosca’ by Victorien Sardou.
Puccini had seen La Tosca at least twice, in Milan and Turin. On 7 May 1889 he wrote to his publisher, Giulio Ricordi, begging him to get Sardou’s permission for the work to be made into an opera: ‘I see in this Tosca the opera I need, with no overblown proportions, no elaborate spectacle, nor will it call for the usual excessive amount of music.’
M.J. Philips-Matz ‘Puccini: A Biography’
I found this quote, and it instantly clicked: it’s exactly why I like ‘Tosca’.
In contrast to Sardou’s initial work, Puccini’s opera is much more succinct and direct. It has almost zero overblown dialogues and soliloquies that don’t promote the plot or develop characters (well, maybe there is this one lyric soprano-tenor duetto ‘Amaro sol per te m’era il morire’ [‘Only for you did death taste bitter for me’] in act III that’s a bit too long for my taste, but even this slow moment is essential because it gives the audience an opportunity to breathe as the final shockwave looms closer). But the rest of it is actually interesting to see and hear.
For me, ‘Tosca’ is one of the very few operas that are targeted at people who are not fifteen and overly dramatic adult audiences who don’t need same things repeated at them all the time and who can catch what is happening without seeing each and every small detail. Puccini squeezed Sardou’s acts II, III and IV into a single second act, and it works. We as an audience don’t need to see the whole scene at Cavaradossi’s house to understand what happened there. We can use our imagination to paint the rest of the picture.
Looks like the critics do not agree with me on this one.
Perché, perché, Signore [criticisms galore]
The infuriating part about the critical landscape of ‘Tosca’ is that the critics don’t seem to agree on a single point of reproof. Some complain that the opera is too wordy; others, conversely, are not satisfied with the plot rushness (the view that both librettists of ‘Tosca’, Illica and Giacosa shared). Critics called the opera ‘three hours of noise’ that lacks style and cohesion. Julian Budden [opera scholar] faulted the ‘inept handling of the political element’ while commending ‘a triumph of pure theatre’. Burton Fisher [opera writer] described the sensuous love duet ‘Qual’occhio’ as ‘an almost erotic lyricism’ and ‘pornophony’.
Is it just me, or do the critics dislike ‘Tosca’ precisely for the nuances I love about it: coherence of the plot, acute and restrained drama, absence of excessive political speculations (it was not meant to be goddamn ‘Les Miserables’) and, well, musical puns? More on that later.
Not to say ‘Tosca’ didn’t receive its share of praise. Charles Osborne [music critic] believed the plot of ‘Tosca’ was taut and effective while the characters had enough opportunities to shine both in terms of dramatic development and musical elaborateness. Some also praised the richness of Puccini’s score:
[Puccini] finds in his palette all colours, all shades; in his hands, the instrumental texture becomes completely supple, the gradations of sonority are innumerable, the blend unfailingly grateful to the ear.
Ippolito Valetta [music critic] ‘Rassegna Musicale’ in ‘Nuova Antologia’
The aspect of criticism that I did find explainable was based on ‘disconcerting vulgarities’ as put by Gabriel Fauré [composer]. To be honest, the opera really does not lack in violence: Tosca undergoes sexual assault, is broken by the need to defend her chastity with murder and by the death of a beloved, and finally commits suicide. For the public back in 1900 such developments truly could be regarded as a bit too much.
For modern audiences, however, the events are nothing to be shied away from. The opera aged exceedingly well, not losing a bit of its attractiveness in romantic and dramatic sense. Even more so, the criticism that ‘Tosca’ still receives today makes little sense. Joseph Kerman’s [musicologist] remark on ‘Tosca’ as a ‘shabby little shocker’ from the middle of the century, well after the actual real-life shock of two world wars and the brusque shift of public morale, was way off the mark. Thomas Beecham [conductor] bitingly responded that anything Kerman said about Puccini could ‘safely be ignored’ (it almost makes one thing something personal’s involved).
Besides, some modern scholars share my perception of ‘Tosca’s treatment:
Scholarly presses and journals still deeming [Puccini’s] operas too popular to be worthy of serious study continue to shoot themselves in their collective foot.
Deborah Burton ‘Tosca’s Rome: The Play and the Opera in Historical Perspective (review)’
By Burton, Puccini was often simply ‘snubbed by the musicological establishment’. The fun part? Puccini put on his Scarpia persona to cynically and kind of affectionately if you ask me describe ‘Tosca’ as ‘zibaldone’ [‘hodgepodge’]. He referred to it as ‘a vile opera’ and ‘quella putana di Roma’ [‘that Roman whore’]. If this isn’t love.
Già, mi dicon venal [quick glance at the initial play]
Similar criticism of abundance of violence was applied to Sardou’s play. Tosca’s behavior was deemed ‘unchaste’, and the brutality disturbed both critics and theatre fans. Jules Favre [statesman] even called it ‘cette pièce vulgaire, sans intrigue, sans caractères, sans moeurs’ [‘vulgar piece, without intrigue, without characters, without morals’].
The most offensive part of the play was, apparently, Cavaradossi’s torture. Even off-stage, his screams prodded the critics to warn women against seeing ‘La Tosca’ as the play could ‘inflict irreparable injury on persons yet unborn’.
Despite this, the play was an immediate success. It toured around the world, and even the harshest critics couldn’t ignore its dramatic effect:
As to the play itself, I will only add that it is offensive in its morals, corrupt in its teaching, and revolting in its brutality, and yet everyone who admires acting is bound to see it.
Cecil Howard [theatre critic] ‘La Tosca’, ‘The Theatre’
So. Let’s see what threw people in such a dismay, shall we.
Io de’ sospiri [plot and why it’s good]
Sylvester Feodosiyevich Shchedrin ‘New Rome. Castel Sant’Angelo’, oil on canvas, 1823
It all starts with Roman ex-consul Angelotti escaping the clutches of tyrannical justice. The fugitive runs into Mario Cavaradossi, painter and Bonapartist who agrees to help him. Two men are interrupted by Mario’s passionate lover and Roman opera celebrity, Floria Tosca. After a fit of jealousy she leaves the church, and Cavaradossi leads Angelotti away from the city to hide in his villa. Right afterwards, Baron Scarpia, chief of police and the embodiment of tyranny emerges on stage and, when Tosca returns, devises to use her jealousy to lead him to Mario and Angelotti.
Second act is all about torturing Cavaradossi (off-stage) and Tosca’s gradual breakdown. Scarpia demands the location of Angelotti, which she surrenders to save Mario from suffering. Then Scarpia tries to force Tosca to give herself to him, which she agrees in exchange for her lover’s life - only to stab unsuspecting Scarpia with a knife.
The rest of the main cast dies during the third act. Mario’s ‘staged’ execution appears to be not so fake as Scarpia promised. Tosca, inconsolable and heartbroken, jumps to her death as the soldiers, who discovered Scarpia’s body, corner her on the ramparts of Castel Sant’Angelo.
The plot pretty much follows Sardou’s play, although the action was tightened (mostly by avoiding obvious plot turns) and the list of characters sharply compressed.
Sardou’s act III features a scene that is not present in Puccini’s opera: Cavaradossi’s villa, the painter, Angelotti, and later Tosca and Scarpia. One of the things I liked about the opera is that it doesn’t have this scene. It’s excessive and basically tells nothing that audience couldn’t have picked up from the unobtrusive operatic dialogue in act II. Puccini - Sardou 1:0.
Obviously, Mario’s execution was not fake. In the play, Spoletta reveals this fact to Tosca. In the opera, he at first misunderstands Scarpia’s order (hilariously so, as he nearly confesses the whole thing to Tosca), which allows the audience to guess their scheme. 2:0 for subtlety.
In act II, Scarpia questions Mario with the backdrop of Tosca’s cantata performance off-stage, in the depths of Palazzo Farnese. 3:0, this whole piece is just gorgeous.
Puccini wanted ‘La Tosca’s plot stripped of everything excessive (which is, lamentably, a rare practice for operatic genre):
[Puccini] cut Tosca to the bone, leaving three strong characters trapped in an airless, violent, tightly wound melodrama that had little room for lyricism.
M.J. Philips-Matz ‘Puccini: A Biography’
Ignoring criticisms, Puccini also persevered in his clear vision of how the ending should be - by the way, nearly the single thing he and Sardou agreed upon. A good thing undoubtedly; I’d hate for this to happen:
Puccini’s librettists also disliked the suicide, and an alternate ending for the opera was (briefly) considered: rather than leap, Tosca would go mad, collapse, and die on the body of her lover (presumably of Sudden Operatic Death Syndrome).
Susan Vandiver Nicassio ‘Ten Things You Didn’t Know about Tosca’
Pure gold of a remark. Thank you, Susan.
‘Tosca’ is a very tight, succinct work, beautifully paced. I like how the acts are structured and developed. Act I, the longest one, was clearly meant to be expositional. Also, it’s the melodramatic one, with inclusion of comedic motifs that significantly lighten the mood (think the character of the Sacristan and continuous good-hearted mocking of Tosca by her lover).
Act II is unexpectedly macabre: there’s not a trace of the lightheartedness of act I. A real drama ensues, with torture, violence and grim ending (Tosca murders Scarpia in cold blood, which I, as a cynic, viciously enjoy every time). This act is also shorter while it still has enough room for Scarpia’s intricate manipulation and blooming deconstruction of Tosca. The characters are well-developed and nicely motivated (at least in part Sardou’s merit).
Act III is the shortest (just over 20 minutes), and it’s a full-on tragedy. The final plot twist was hardly intended as one. This act is an emotional roller-coaster. Combining hope and death, it is based on fragmented pieces, which makes the whole thing feel real, not operatic. The opera ends strong and loud, and it’s perfect that way. The audience is left with the sense of tragedy that is not undermined by unnecessary lyricism of long pre-death arias (like in Verdi’s ‘La Traviata’, I absolutely hate the last act). With the rush of events, the delay at this point would be unendurable.
‘Tosca’ is chaotic in its final scene, just as it should be. Tosca the character makes the (suicide) decision in a blink of an eye, and I absolutely love the impression that she makes it out of egotistical motives: she is to be captured by the soldiers - not because Mario is dead. This is the kind of nuance that defines the difference between real living people and operatic character embryos. When the opera ends, I always find myself speechless and anguished not irritated at how annoyingly long it takes for the characters to die (looking at you, Verdi).
E lucevan le stelle [characters breakdown]
Palazzo Farnese, 2018. Now French Embassy in Rome
First and strongest impression about the characters of ‘Tosca’: gosh, they are not dumb! So it is possible.
One of the major appeals of ‘Tosca’ is that the characters feel like real people instead of archetypal damsel in distress, knight in shining armor and flat cardboard villain. Although Scarpia bends a bit in that direction, being completely satisfied with his villainous villainy, he acknowledges it, giving off the air of a ‘connoisseur of evil’ instead. William Ashbrook [musicologist] recognized Puccini as a portraitist who honed lifelike characters. Even the smaller characters like the Sacristan (‘an avaricious hypocrite’), Angelotti (exhausted but proud-spirited escapee) and Spoletta (when Scarpia says ‘jump’ he asks how high a perfect minion) are miniature studies of human nature. ‘Tosca’, in his opinion, is a portrait gallery of real-life people.
Floria Tosca [soprano]
For some unfathomable reason, ‘Tosca’ is defined as a melodrama, which is totally different from how it feels with its darkness and the fact that everybody of significance dies in the end. Wiki says melodrama is ‘a dramatic work in which the plot, which is typically sensational and designed to appeal strongly to the emotions’ - basically, plot over characters. Instead, [scenic] tragedy (defined by Google) is ‘a play dealing with tragic events and having an unhappy ending, especially one concerning the downfall of the main character’.
The latter is literally the plot of ‘Tosca’, especially as the title character undergoes a whole set of the most traumatic experiences (concessions to conscience, attempted rape, murder in defense, witnessing torture and execution of a loved one) in a span of just several hours. This set of experiences naturally draws a basis for her downfall (literally): under stress and with no opportunity to think thoroughly, it is not surprising that Tosca commits suicide.
She is strong-willed and passionate, pure-hearted (which is probably why she doesn’t see through Scarpia’s schemes) but not stupid, loyal but also jealous. More out of habit, if we to believe Julian Budden [opera scholar]:
[Cavaradossi, act I, scene 5] Mia gelosa! [My jealous [Tosca]!]
[Tosca] Si, lo sento, ti tormento, senza posa. [Yes, I feel it, I torment you unceasingly.]
All in all, she is a harmonious character in dire circumstances, and it’s a true delight to observe how Tosca, despite how broken and devastated she is, finds the power to oppose her offender. This is the real plot twist (character twist?) of the opera - and I assume the reason that ‘Vissi d’arte’, Tosca’s major aria (an emotional plea of a character who is about to betray her very self) is so well-known and recognized.
Mario Cavaradossi [tenor]
In comparison with Tosca, Cavaradossi is a deceptive character. At first glance he might appear rather flat: nothing more than a loyal lover and a proud revolutionary. Upon closer inspection, however, the audience discovers liveliness and realism many male operatic characters severely lack: he jokes with Tosca instead of oh-so-common sickeningly sweet sighs of love. He knows her flaw of being prone to jealousy - but doesn’t take it too close to heart. He listens to her without interruption as she tells him about Scarpia’s advances (for sure, I was waiting for a hateful scene where he would scream ‘how could you’ at his lover and bang his head against a wall). And he actually knows how to appreciate that she willingly sacrificed her purity for his sake (and he sings an aria about it, too: ‘O dolci mani’ [‘Oh, sweet hands’]).
Besides the believable romance with Tosca, Cavaradossi has excellent dynamics with Scarpia. As the news of Napoleon’s victory arrive, Mario - once tortured - cannot resist the urge to relish in how stars turned for his nemesis:
[Cavaradossi, act II, scene 4] Vittoria! Vittoria! L’alba vindice appar che fa gli empi tremar! Libertà sorge, crollan tirannidi! [Victory! Victory! The avenging dawn now rises to make the wicked tremble! And liberty returns, the scourge of tyrants!]
Tosca tries to stop his prideful speech, aware of how this flows right into Scarpia’s intention to lock revolutionary Cavaradossi up. But Mario is lost in his surging emotions and forgets both himself and his lover at this moment - truly a detail each of us can relate to.
And also Cavaradossi seems to know that his death is not going to be faked - a twist that no one but pure-hearted Tosca is fooled by. He doesn’t believe in Scarpia’s generosity for a moment, and so he doesn’t even try to pretend he is surprised but ironically ridicules the mere idea of a magnanimous villain:
[Cavaradossi, act III, scene 3] Scarpia che cede? La prima sua grazia è questa… [Scarpia yields? This is his first act of clemency…]
Unbelieving but relieved by Tosca’s appearance and intoxicated by her hopeful rambling, Mario chooses to spend his last moments languishing in her presence: he doesn’t want to spoil this time for neither of them. Beniamino Gigli [opera singer, performed as Cavaradossi] wrote in his autobiography that ‘[Mario] is certain that these are their last moments together on earth, and that he is about to die’.
This interpretation of the character is common among the opera singers:
Unlike Floria, Cavaradossi knows that Scarpia never yields, though he pretends to believe in order to delay the pain for Tosca.
Tito Gobbi [opera singer and director]
However, instead of displaying understandable despair, Cavaradossi falls back to his original optimistic self and starts to subtly mock Tosca’s attempts to teach him how to die theatrically. She replies with ‘non ridere’ [‘you mustn’t laugh’], and he softly reassures her. They’re just so sweet together without the usual operatic mawkishness.
(I suspect Tosca is not entirely convinced of their unscathed escape from the clutches of now-dead Scarpia, as well. No wonder she feels uncomfortable at the prolonged preparations.)
Baron Scarpia [baritone]
The villain of this story was actually the first among the main cast to catch my attention. Scarpia is just so explicitly entertaining in his sardonic wickedness. Still, I can see how he could be interpreted as the least 3-dimensional of the three.
Scarpia is a clever interrogator and a talented manipulator. He knows where to hit and when to push to get the answers he needs. Pressing Tosca more and more, he breaks through her defenses until she is frustrated and annoyed to the point of losing her self-control:
[Scarpia, act II, scene 4] L’Attavanti non era dunque alla villa? [So, the Attavanti was not at the villa?]
[Tosca] No, egli era solo. [No, he was alone.]
[Scarpia] Solo? Ne siete ben sicura? [Alone? Are you quite sure?]
[Tosca] Nulla sfugge ai gelosi. Solo! Solo! [Nothing escapes a jealous eye. Alone. Alone!]
[Scarpia] Davver? [Indeed!]
[Tosca] Solo, sì! [Yes. Alone!]
[Scarpia] Quanto fuoco! Par che abbiate paura di tradirvi. [You protest too much! Perhaps you fear you may betray yourself.]
Tosca, with her passionate, fiery temperament, explodes - Scarpia knows about this peculiarity all too well and is able to use her outburst as a clue in his investigation. He continues the pressure all through act II: Mario is tortured, and Tosca is forced to listen to his agony. She eventually crumbles, unable to persevere in keeping Mario’s secret:
[Tosca, act II, scene 4] Nel pozzo… nel giardino… [In the well… in the garden…]
This confession is so succinct, just like the rest of the dialogue in this opera. Tosca doesn’t say ‘wait, I’ll tell you everything’, doesn’t try to play for time; she just betrays the whole thing in two short phrases, without specifying what she means. There’s no need: they’re on the same page.
And then Scarpia goes one step beyond and acknowledges his villainous ways, which isn’t necessarily a bad thing but makes him a bit more caricature. Delightfully so, but still. While Tosca nurtures released Cavaradossi to conscience, Baron cunningly waits for the opportune moment, and strikes, ordering Spoletta to bring in Angelotti. He gloats at Cavaradossi, smugness dripping off of him: see, she betrayed your trust! Mario, tortured, exhausted, half-conscious, falls for it, throwing Tosca’s hands away:
[Scarpia, act II, scene 4] Nel pozzo… del giardino. Va, Spoletta. [In the well… In the garden. Get him, Spoletta.]
[Cavaradossi] Ah! M’hai tradito! [Ah, you have betrayed me!]
Cavaradossi picks this up from the dialogue between Scarpia and Spoletta - again, no one clarifies anything. Like you do in real life. Subtlety y’all.
Now that the villain has Cavaradossi locked up and preparations for his execution in progress, he is one step away from getting what he wanted from the start. Tosca consents to sleep with him but still cannot conceal her hatred, unavoidable ‘you can have my body but not my heart’ trope, which doesn’t stop his lust in the least - on the contrary, inflames him more:
[Scarpia, act II, scene 5] Che importa? Spasimi d’ira, spasimi d’amore! [What does it matter? Spasms of wrath or spasms of passion…]
Naturally, when Scarpia is finally killed by Tosca, the audience is bound to feel satisfaction and not regret. Even Floria, the established virtuous character, has no shame as she recognizes Scarpia as the ultimate threat:
[Tosca, act II, scene 5] Ti soffoca il sangue? Muori dannato! Muori! Muori! Muori! È morto! Or gli perdono! E avanti a lui tremava tutta Roma! [Is your blood choking you? Die accursed! Die! Die! Die! He is dead! And now I pardon him! All Rome trembled before him!]
But Scarpia is a disillusioned aristocrat rather than a one-dimensional villain. What lets him gain more flesh is his motivations - get rid of the rebels (for power rather than ideological considerations) and get the girl (personal gain), - his backstory and notoriety among the revolutionaries, working relationships with other characters and the fact that he continues to live through his actions (arguably the main theme of the opera). Even when dead, Scarpia continues to serve as a villain of the story: Mario dies, and Tosca shouts her curses at him:
[Tosca, act III, scene 4] O Scarpia, avanti a Dio! [Oh, Scarpia, [we meet] before God!]
This gives weight to the character as Baron doesn’t disappear as soon as he dies. His life and death both have consequences. His actions have lasting power - a feature that fictional villains far too commonly neglect.
Even though Scarpia possesses some cartoonish features, he is far from being as simple as Wile E. Coyote. Meep meep.
Vissi d’arte [finally, let’s talk music]
Riccardo Manci ‘Mario Cavaradossi singing ‘E lucevan le stelle’, inspired by the tenor Giancarlo Monsalve’, 2014
William Ashbrook described Puccini’s music as ‘telegraphic’ and ‘highly charged’. The reason behind such an impression is the combination of several major leitmotifs that interact, evolve and explain the story. Fugitive motif, love of Tosca and Mario, Scarpia’s theme, torture motif, Tosca’s theme and Cavaradossi’s farewell to life are used as a patchwork that tells the story. These leitmotifs - what Edward Greenfield [music critic] calls ‘Grand Tune’ concept - are memorable and unique, as well as quite distinct from their musical surroundings:
Puccini does not develop or modify his motifs, nor weave them into the music symphonically, but uses them to refer to characters, objects and ideas, and as reminders within the narrative.
Burton Fisher ‘Tosca: Opera Study Guide and Libretto’
Torture motif is one succinct example of how a single simple melody is used to pump up the mood. It first appears as a foreshadowing with Scarpia’s forming intention as he learns Cavaradossi was taken into custody:
[Scarpia, act II, scene 2] Meno male! [Not bad, not bad!]
It grows more and more pronounced as Cavaradossi is questioned - threatening but not quite powerful yet. On the backdrop, Tosca’s cantata also gains volume and solemnity - pure delight mixed with anticipation of terror:
[Scarpia, act II, scene 3] Questo è luogo di lagrime! Badate! Or basta! Rispondete! [Beware! This is a place for tears! Enough now. Answer me!]
And the theme finally loses its careful insinuative tone and thunders at full volume when Scarpia orders Mario into the torture chamber, right before Tosca’s eyes:
[Scarpia, act II, scene 4] Mario Cavaradossi, qual testimone il Giudice vi aspetta. [Mario Cavaradossi, the judge awaits your testimony.]
The melody elaborates with Mario’s torture heard from off-stage, reaching its breaking point as Tosca breaks and reveals Angelotti’s hiding. It repeats again after Mario is released - slow and woeful, intertwined with Tosca’s and Mario’s love theme that is now devoid of its previous light hopefulness.
Statue of Michael the Archangel, Castel Sant'Angelo, 2018
I love how music acts as a separate character in the opera. It talks to the characters, responds to them, inquires and leads the conversation. In act I, while Cavaradossi sings about his love to Tosca, the Sacristan reprovingly grumbles about obscene youth on the background. Besides, here lies the great benefit of veristic [realistic] opera that allows the characters to have duologues - Mario and Floria sing their lines separately in a conversational form rather than a boring duet.
Music gives the opportunities of quieter moments, to talk in phrases but also in gestures. During act II, Tosca uses gestures a number of times to answer Scarpia: a nod of the head, a wave; subtle yet expressive. They nearly don’t talk while Scarpia writes her a letter of safe passage. This quiet scene also allows Tosca’s character to unfold, her decision to feel earned. She sees the knife, she hesitates a moment; then she grabs it and hides behind her back: the decision is made. No words necessary; the score allows the characters to be silent while it tells and develops their story.
And it also allows the characters to talk all at once, without listening to each other. By the middle of Act II, as they learn about the battle of Marengo, Mario starts to shout about victory, Tosca tries to shut him up, and Scarpia reels about hanging the revolutionary. They clamor; chaos ensues, and music supports the flurry of eddying noises by playing disparate motifs. The best part about this scene is that it delivers the message loud and clear, on both levels of plot and emotions.
Talking about Puccini’s score, it’s impossible to ignore the musical cohesion and integrity: each of the three main characters has their theme and their own designated aria that allows them to shine. Moreover, as each of their arias happen once per act, I enjoy the interpretation of their dominance: Scarpia in act I, Tosca in act II, Cavaradossi in act III.
Act I. Scarpia’s ‘Te Deum’: lust, menace, church bells
The theme of the villain is played out in contrasts that reflect his character: cunning and smart - but ruthless and just on this side of crazy. Scarpia is also a figure of power, both literally and figuratively, and he is foreshadowed in the score long before the actual appearance of the character on stage. As Baron is first mentioned in the conversation of Angelotti and Cavaradossi, his dark theme abruptly breaks through the much less strident music:
[Angelotti, act I, scene 6] Tutto ella ha osato onde sottrarmi a Scarpia scellerato! [She has dared all to save me from that scoundrel Scarpia!]
Immediately, this menacing ascending theme is associated with the villain. Later, as he enters the stage, no one calls him by his name, yet the audience immediately recognizes him as Scarpia as he is accompanied by that same simple motif.
The appearance of Baron sobers and darkens the mood instantly, his leitmotif invading other themes unscrupulously. Establishing yet another contrast, his conversation with Tosca is escorted by the tolling of bells that lasts till the end of act I. Scarpia raves about his poison spreading through Tosca’s thoughts, and his unnerving, acrid soliloquy transforms into the solemn Adagio religioso in ‘Te Deum’.
This superposition of profane lust of a ferocious man and sacred sublimity of the Catholic chant is what makes the audience shudder. The final ‘Te aeternum Patrem omnis terra veneratur’ [‘Everlasting Father, all the earth worships thee’] should be the solemn virtuous hymn to God but instead the act ends with Scarpia’s theme reiterated in thunderous chords - an ominous admonition of impending threat. Brilliant. Act I definitely belongs to Scarpia.
Act II. Tosca’s ‘Vissi d’arte’: plea of a broken soul
Second act is all about tempo. The action rushes forward non-stop. Scarpia gives Tosca less and less time to think, to estimate her situation, pushing her to her into the abyss (count how many falling jokes I make through this post). However, he misjudges Tosca’s limits and pushes her just a bit too far.
The point of no return for Tosca is her aria where she asks God why she has to endure all this suffering.
[Tosca, act II, scene 5] Vissi d’arte, vissi d’amore, non feci mai male ad anima viva! […] Nell’ora del dolore perché, perché, Signore, perché me ne rimuneri cosi? [I lived for art, I lived for love: never did I harm a living creature! [...] In this hour of pain, why, why, oh Lord, why dost Thou repay me thus?]
The score is lyrical, slow and wailing as Tosca mourns her faith. The aria ends with a low sob that is nearly spoken with raw emotion instead of sang. (Fun fact: while today the opera is probably most well-known for this aria, Puccini didn’t really like it and wanted to cut it out of the opera altogether; in all honesty, it does lack the musical potency of ‘Te Deum’ and ‘E lucevan le stelle’ even though it’s a palatable piece that delivers the idea of character deconstruction rather well.)
Tosca is left completely broken. Modern sopranos commonly fall to their knees while performing this aria, and there’s a good reason: when Tosca finally finds the power to stand up, she is a different woman. For me, this is when the main plot twist happens: usually, heroines in operas are meek and hesitant instead of decisive and offensive. Tosca breaks the pattern and shoves the knife through her offender’s ribcage. She owns act II.
Act III. Cavaradossi’s ‘E lucevan le stelle’: I die in despair
This aria is so renown even people who dislike opera have heard it at some point. It starts with a subtle, tender clarinet solo (possibly the most well-known operatic clarinet theme of all times). The melody is forced up but then sags, losing its power. It’s the pace of destiny, dragging and sorrowful, measuring what little time Cavaradossi has left. This is Andante lento composed in minor key and slow tempo - something that Mosco Carner [musicologist and conductor] calls ‘Puccinian lament, reserved for a character in an extreme situation - death or suicide’. Perfect to denote present anguished dolor.
Mario meditatively recites the first two lines, which feels like an improvisation. The audience witnesses an extremely intimate although fragmentary memory that ends in a grieving ‘muoio disperato’ [‘I die in despair’]:
Puccini insisted on the inclusion of these words, and later stated that admirers of the aria had treble cause to be grateful to him: for composing the music, for having the lyrics written, and ‘for declining expert advice to throw the result in the waste-paper basket’.
William Ashbrook ‘The Operas of Puccini’
Bravo, maestro!
I dislike the currently popular hysterical sobbing at the end of the aria that can be heard from modern tenors (e.g, in staging of ‘Tosca’ at La Scala). It sounds as a ‘hoquet tragique’ [‘tragic hiccup’] that jumps out too much and is slightly out of character - such rendering is more appropriate for Tosca’s character not Cavaradossi’s.
Still, this is arguably the most beautiful, heart-wrenching lyrical aria I’ve ever heard; I’m literally still not over it, after 3 whole years of listening to it, sometimes on repeat. Also, Placido Domingo is the best Cavaradossi, shut up I’m not wrong (1976 film starring him and Raina Kabaivanska is wildly enjoyable).
As a bonus, act III (specifically its beginning and ending) deserve an honorable mention. Despite where the plot says the most dramatic moment of the plot is, for me, it’s the beginning of act III. Here’s the pinnacle of the opera: the contrast between the serene aria of a shepherd boy accompanied by the love motif - and the grim, heavy, shuddering theme of Cavaradossi’s farewell that the orchestra splashes on you as if it is a bucket of ice cold water. The music swells - you wait for the volume to stop growing, but instead it just tears through your eardrums.
The timpani are impossibly good for this piece. Intruding the peaceful, pastoral Roman morning full of hopeful dreams and the colors of sunrise, they suddenly throw the audience into the pit of pure unadulterated horror. Trembling and vibrating on low frequencies, they gift you with the feeling of earth opening under your feet, sucking you into the dark depths you’ll never get out of to see light - say farewell to life.
Similarly, the ending is extremely powerful. The drums start slowly at first, setting the rhythm. Before Cavaradossi’s execution, the orchestra is subtle and insinuating; it accrues and thickens in its vicious predictions. After the shots, as Tosca discovers Mario’s death, the tempo breaks through the roof. The music is desperately, deafeningly loud, it screams of tragedy. And, well, I am aware of the plot of the opera by now, but I’m caught off guard every time. I blame this on music. It just so perfectly reflects the mood of the events; it’s pure gorgeousness that gets to my very core every time.
There’s another point of criticism I need to mention in regard to the final theme that ends the opera: against logic, it is Cavaradossi’s farewell instead of more fitting love theme or, even more appropriately, Scarpia’s motif. This I cannot disagree with as, plot-wise, using this theme would provide the dramatic closure for the opera. However, given my love for theme of farewell, I cannot find the heart to dislike Puccini’s choice after all. Act III is largely focused on Cavaradossi, and the finale acknowledges this.
...Undoubtedly, Puccini was a genius. It’s not easy to comprehend the mastery with which he weaved a handful of simple motifs into a powerful story I cannot stop listening to. But also, there’s this:
Puccini’s sense of humor was often of the schoolboy variety, and he found risqué musical puns irresistible. In Act II of the opera, after Spoletta has assured Scarpia that ‘everything is ready’ for the execution of Cavaradossi, the Chief of Police turns to Tosca and softly asks, ‘Ebbene?’—’Well?’ She says nothing, and the score tells us that she indicates her submission by nodding her head. But at her silent reply the orchestra, anticipating the two-note theme of the ‘execution’ motif, plays the two-note phrase, A and C, or in Italian solfeggio, La and Do. The syllables, in addition to being musical symbols, also happen to be words in Italian: the words ‘La do’ mean ‘I'm giving it,’ and it is the usual way for women to say, I'm ready to give ‘it’ (to you).
Susan Vandiver Nicassio ‘Ten Things You Didn’t Know about Tosca’
It is quite possible there’s more of such minutiae. I’m not sure how to feel about a piece that simultaneously cracks me up and throws me into a pit of despair. But I definitely like it - that much I know.
Castel Sant’Angelo, 2018
Recondita armonia [some fun trivia]
The tone of the dialogue was elevated quite a bit. Get this: comforting Cavaradossi after he was tortured, Tosca says ‘Ma il giusto Iddio lo punirá’ [‘But a just God will punish [Scarpia]’]. The initial line was ‘Ma il sozzo sbirro lo pagherà’ [‘But the filthy cop will pay for it’]. Far less distinguished, my dear.
Puccini visited Rome specifically to mimic the early morning bells. Kudos for authenticity. Also, initially, the composer spent an ungodly amount of money to cast the bells he needed for the performance of ‘Tosca’. The orchestras till today have difficulties satisfying the composer’s vision.
Sarah Bernhardt, an actress who became the prototype for Tosca in Sardou’s play, while performing in Rio de Janeiro in 1905, injured her leg in the final scene when jumping from the rampart. As a result of poor treatment, she lost her leg ten years later. Gory.
Two of the most famous opera singers chose this opera as their farewell: Maria Callas as Tosca gave her last performance in 1965, and Luciano Pavarotti as Mario Cavaradossi in 2004.
In one of the performances with Placido Domingo as Mario Cavaradossi, his son was featured as a shepherd boy.
Before Puccini got to write ‘Tosca’, Giuseppe Verdi expressed his interest. He didn’t like the ending though and wanted it changed - I think we’ve barely avoided another ‘La Traviata’ there, oof.
Oscar Wilde saw ‘La Tosca’ and believed the torture scene was great as it showed how far people can go (no wonder; he was working on ‘Salome’ that evoked indignant discontent of the critics in a similar fashion). George Bernard Shaw also saw the play and, while disliking it utterly, still predicted it would be great as an opera.
In Sardou’s play, Cavaradossi gained a reputation of a Bonapartist in large part because of his mustache. That’s the conclusion I’ve made after seeing these two quotes: ‘Even his mustache was suspect’ and ‘Tosca’s confessor told her it marked him as a revolutionary’. This is gold.
#opera#puccini#tosca#IMHO#why criticism#lots of rambling#greatest opera ever#i don't understand why critics abuse it
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DID THE GOVERNMENT BURY A TRUE SYSTEM FOR ONLINE PROFIT FOR ANYONE?
Revealed! What the government doesn’t want to you to know about making a living online.
WARNING: CONTROVERSIAL CONTENT
Please be warned: This story you’re about to be privy to has been DENIED by our own government because they are in fear of the knowledge getting out to just anyone.
Evidence suggests that there has actually been a cover up to prevent you specifically from getting your hands on such valuable information.
As you are reading this powerful forces are working to quiet this release before you get it to keep it hidden.
On 6 August 1991, the World Wide Web became publicly available. Its creator, the now internationally known Tim Berners-Lee, posted a short summary of the project on the alt.hypertext newsgroup and gave birth to a new technology which would fundamentally change the world as we knew it.
USE and Origins
The Internet, as we know it was born and almost immediately, the U.S. Government sought to control its use. ARPANET was the first governmental authority to exploit the computer network for global connectivity but specifically with the U.S. Government’s network that consists of private, public, academic, business, and government networks of local to global scope, linked by a broad array of electronic, wireless, and optical networking technologies
Funding and Control
The funding of the commercial networks and enterprises by the early 1990s marked the beginning of the transition to the modern Internet, and generated a sustained exponential growth as generations of institutional, personal, and mobile computers were connected to the network. Although the Internet was widely used by academia since the 1980s, the commercialization incorporated its services and technologies into virtually every aspect of modern life.
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You'll get step-by-step exactly what to do and how to do it so that you can create and sell your own Multiple Streams Mastery coaching programs. Folks with that, I want to go ahead and wrap things up. I want to thank all of you for being here. Obviously, you've learned a lot. Hopefully, you've taken a few pages of notes. For everybody that's just joined, congratulations and for everybody that's just waiting for me to quit talking so that you can go over and get it. I'm excited for you when you join in the next few minutes. Again, I'll give you that link one more time and then, I will say goodbye.
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Former Spy
“Now Turned Internet Informant”
#money#make money online#earn money#income#multiple streams of income#passive income#love#passion#creating passive#online business#start an online business#online success
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Women Say There Are Too Many Barriers To Accessing Postpartum Depression Drug : Shots
New Post has been published on https://depression-md.com/women-say-there-are-too-many-barriers-to-accessing-postpartum-depression-drug-shots/
Women Say There Are Too Many Barriers To Accessing Postpartum Depression Drug : Shots
Miriam McDonald developed postpartum depression after giving birth to her third son, Nicholas. She says she felt sad, disconnected, and indifferent.
Keith McDonald
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Keith McDonald
Miriam McDonald developed postpartum depression after giving birth to her third son, Nicholas. She says she felt sad, disconnected, and indifferent.
Keith McDonald
When Miriam McDonald decided she wanted to have another baby at age 44, her doctor told her she had a better chance of winning the lottery. So when she got pregnant right away, she and her husband were thrilled. But within three days of giving birth to their son, in September 2019, everything turned.
“I was thinking, ‘Oh my God, what did I do?’ I just brought this baby into this world and I can barely take care of myself right now,” she says. “I feel exhausted. I haven’t slept in three days. I haven’t really eaten in three days.”
As the weeks went by, her depression got worse. She felt sad, but also indifferent. She didn’t want to hold her baby, she didn’t want to change him. She says she felt no connection with him at all.
This confused her – she never felt anything like this after her first two kids – and she worried her mood might hurt her son. Untreated postpartum depression can affect babies’ cognitive and social development. For the mother, it can be life or death. Suicide accounts for 20% of maternal deaths.
“Every day, I was crying. Every day, I felt like I just wanted to die. Every day, I thought about ending my life,” says McDonald, who lives in Vacaville, Calif. and works as an IT professional at the University of California, Davis.
She went to Kaiser Permanente, her healthcare provider, for help. She says doctors there put her on a merry-go-round of medication trial and error. The first drug her doctor prescribed made her anxious. Upping the dose of a second drug gave her horrific nightmares. A third drug gave her auditory and visual hallucinations that took seven weeks to go away after she stopped taking it.
Then, her psychiatrist retired. And when McDonald complained to her new psychiatrist that she was still depressed, four months after giving birth, the physician suggested more medications.
“I was desperate,” McDonald said. “I was like, ‘I’m trying to help myself, but things are just getting worse.’ So what am I left with?”
She started doing her own research and learned about a new treatment, called brexanolone. It’s the first and only drug approved by the FDA specifically to treat postpartum depression, which affects 1 out of 8 new mothers in the U.S. Instead of targeting the serotonin system in the brain, like many antidepressants, brexanolone replenishes a hormone metabolite that gets depleted after childbirth — allopregnanolone. Some doctors call allopregnanolone, which is produced by progesterone, “nature’s Valium” because it helps regulate neurotransmitters that affect mood. After giving birth, natural levels of estrogen, progesterone and allopregnanolone all plummet rapidly, making some women vulnerable to postpartum depression. Brexanolone is a synthetic version of allopregnanolone, delivered through an IV infusion over the course of 60 hours. It costs $34,000.
In clinical trials, 75% of women who got brexanolone started to feel better immediately after the 3-day treatment. Half the women went into remission. In the placebo group, 56% of women responded and a quarter went into remission. In practice, doctors are seeing the effectiveness of the drug in the field that mirror the results of the trials.
“People walk out of the hospital, wanting to be with their child, wanting to return home,” said Dr. Riah Patterson, who has been treating women with brexanolone at the University of North Carolina at Chapel Hill since it became available in the summer of 2019. “There is a hopefulness, a brightness. You can really see that transformation in the hospital room over those 60 hours. It’s pretty miraculous.”
For the first year of her son’s life, Miriam McDonald says all her smiles were fake or strained. She struggled to find effective treatment for severe postpartum depression.
Keith McDonald
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Keith McDonald
McDonald wanted to try it.
But when she asked her doctor for brexanolone, she was told no. In an email, the doctor wrote that the existing studies were “not very impressive.” She added that McDonald did not meet Kaiser Permanente’s criteria for the drug: she would first have to try — and fail to improve with — four medications and electroconvulsive therapy (ECT) before she could try brexanolone. And she had to be six months or less postpartum to try it at all. For Miriam, the clock had run out. She wondered, How could anyone qualify?
“This is crazy. By the time you even try one drug, that’s like four weeks out,” she says. “Another drug is four weeks out, another drug is four weeks out. There’s just no way.”
Kaiser Permanente’s guidance is an outlier. An analysis of guidelines from a dozen health plans revealed that three of them require women to fail treatment with at least one other medication before trying brexanolone. One plan, California’s Medicaid program for low-income women, requires two fails. But Kaiser is the only system NPR found that recommends women first fail four drugs, as well as ECT.
“That’s absurd. So I’m assuming no woman will ever have the opportunity to try brexanolone?” says UNC’s Patterson, one of several experts in postpartum depression who questioned Kaiser’s guidance.
“That is abusive,” says Bethany Sasaki, who runs the Midtown Birth Center in Sacramento and is licensed to administer brexanolone. “Asking someone to fail four oral antidepressants is an unacceptable burden that will undoubtedly create more harm than good.“
Psychiatrist Shannon Clark, who’s been administering brexanolone at UC Davis Medical Center for the last two years, seeing positive results, says there are a lot of reasons new moms may not be candidates for one medication, let alone four: taking pills while breastfeeding could be too anxiety-provoking; some women may not be able to adhere to a daily pill regimen; or they may have a liver condition that contraindicates those medications. Clark called Kaiser’s guidance “terrible” and “insane.”
It could also be illegal, according to some California lawmakers and mental health advocates. Under a California state law that took effect this January, health plans must conform to generally accepted standards of care, including scientific literature and expert consensus, when making decisions about mental health treatment.
“If Kaiser is making it effectively impossible to get a particular, important mental health treatment, that could definitely be a violation of our parity law,” says State Senator Scott Wiener, the bill’s author.
Kaiser officials responded by saying they always follow the law. They also say its integrated structure — as both the health insurer and the health provider — makes it different from traditional insurers. At Kaiser, a patient’s doctor determines whether a medication is appropriate, not the health plan, and the criteria doctors use are recommendations, not requirements or pre-requisites that patients need to “exhaust,” says Dr. Maria Koshy, Kaiser’s chair of psychiatry for Northern California.
“At the end of the day, this is an individual clinical decision by both the provider – the physician – and the patient,” she says.
But inside Kaiser, the workplace culture is such that doctors are expected to follow these recommendations, according to former Kaiser clinicians who spoke on background — as well as legislative experts familiar with Kaiser’s model. They say that when Kaiser doctors deviate from the recommendations, they can get questioned or even face consequences.
“These physicians know that if they start routinely ignoring these bad recommendations, that that could have impacts on them professionally,” says Wiener, who has worked on several bills aimed at regulating Kaiser and other insurers in California. “Whether it’s couched as a recommendation or a requirement is almost irrelevant. It has the same effect.”
To McDonald, her physician seemed to follow the recommended criteria as if they were requirements when she declined to prescribe brexanolone. Another patient, Yesenia Munoz, got a similar response when she sought brexanolone treatment. Kaiser’s grievance department sent her a letter denying the request because she had not failed enough medications.
“When I talked to the caseworker at Kaiser that had denied the medication, he said that Zulresso was very expensive,” said Muñoz, referring to brexanolone’s brand name.
In addition to the $34,000 cost for brexanolone, the three-day hospital stay can tack on another $30,000, at least. Another complicating factor is the FDA requirement that health centers obtain a special certification to infuse brexanolone, because of the risks of excessive sedation or fainting from the drug. Kaiser Permanente doesn’t have the certifications yet to administer the treatment at its own hospitals, so it must pay outside hospitals to provide it for Kaiser patients. Kaiser officials say they have plans to eventually open three of their own certified centers in Northern California.
Muñoz, 35, was devastated by the denial. She was overwhelmed by postpartum depression and anxiety shortly after her daughter was born in August 2020. But none of the medications or therapies Kaiser offered her worked. Four months after giving birth, she still felt suicidal.
“I could get out the door sometimes and take the stroller and go walk, and my mind kept on saying, ‘If you just step in front of the car, it’s all going to go away,” she remembers.
After Yesenia Muñoz appealed to state regulators and received brexanolone, she says she felt calm and “happy enough to want to live.”
Rafael Munoz
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Rafael Munoz
After Yesenia Muñoz appealed to state regulators and received brexanolone, she says she felt calm and “happy enough to want to live.”
Rafael Munoz
Muñoz got help from family members and co-workers to appeal Kaiser’s decision to the state, and after reviewing her medical records, regulators ordered Kaiser to pay for the brexanolone treatment.
Muñoz received the treatment at UC Davis Medical Center, and she started feeling better within the first day.
“The nurse came in and she said something funny and I laughed,” Muñoz says. “It was the first time I had laughed in so long.”
She started looking through photos and videos of her daughter on her phone and she says it was like she was experiencing those moments for the first time. She started making plans for the future.
“It was like a switch flicked and it made me happy enough to want to live,” she says. “It saved my life.”
Sage Therapeutics, the makers of brexanolone, says Kaiser’s approach to the new drug reflects a “a lack of a sense of urgency for treating mental health.” Dr. Steve Kanes, Sage’s chief medical officer, says the company is working on making the treatment more accessible. Its biggest challenge has been getting enough health centers certified, across a wide enough geography, to reach women who need it. The company is studying a pill form of allopregnanolone that could eliminate the need for a hospital stay, but Kanes says that is still not close to being commercially available.
In 2008, Congress passed a landmark federal law aimed at correcting disparities between how insurers pay for mental health treatments compared to physical health. The Mental Health Parity and Addiction Equity Act was later reinforced by provisions in the Affordable Care Act in 2010. But insurers found loopholes, creating overly restrictive or self-serving criteria that made it easy to deny services for mental health care, and as a result, save money.
California’s new law, SB 855, aimed to tighten those loopholes, and has been hailed by advocates as a national model for mental health reform. It requires health plans to use clinically-based, expert-recognized criteria and guidelines in making medical decisions, with the goal of limiting arbitrary or cost-driven denials for treatments of mental health or substance use disorders.
Kaiser operates in 8 states and Washington, DC. In California, it is the largest insurer, holding a 40% share of the market, covering 9.2 million patients. Kaiser officials have questioned how the new state law applies to the Kaiser system, given its unique integrated structure as both health insurer and medical provider. For example, Dr. Maria Koshy, the Kaiser psychiatrist, told NPR that SB 855’s requirement to comply with generally accepted standards of care “does not apply” to its brexanolone recommendations because they were developed and are used by the doctors, not the health plan administrators. When NPR asked Kaiser to provide the brexanolone policy its health plan uses for grievances or appeals, it said it didn’t have one.
“We 100% intended this law to apply to the care people get at Kaiser,” says Julie Snyder, government affairs director at the Steinberg Institute, which co-sponsored the law. “There is no place where we say Kaiser is exempt” because of its integrated structure.
Doctors at Kaiser have historically been “gatekeepers” for services in the system, more so than doctors who work with traditional insurers, says Meiram Bendat, an attorney and licensed psychotherapist who also advised legislators as the law was being drafted. It doesn’t matter if practice recommendations for brexanolone were written by doctors or administrators, or whether the recommendations are mandatory or optional, Bendat says, they must be in compliance with the law.
“If it’s inconsistent with generally accepted standards of care, then it has no place in California,” he says.
Some of Kaiser’s recommended criteria for brexanolone are aligned with generally accepted standards of care; for example, reserving the drug for women who are six months or less postpartum, which was a criterion used in the clinical trials the FDA relied on when it approved the drug.
But the recommendation that patients first try four or five alternative depression treatments before considering brexanolone conflicts with the judgment of half a dozen women’s health experts interviewed for this story. They say there just isn’t enough time to do that in the postpartum period — and too much is at stake.
Not only are babies at risk of developmental and emotional problems if their mother is depressed, husbands and partners are also at higher risk for depression and anxiety. And because new moms are learning to breastfeed, and figuring out what’s part of the new normal and what’s not, it can take months just to realize there’s a problem, explains UNC’s Dr. Riah Patterson.
“It takes so long for this illness to come to recognition and for someone to actually get into an appointment and actually be seen by a provider,” she says.
Dr. Riah Patterson, a specialist in perinatal psychiatry, discusses patients and treatment plans with her trainee, a 3rd year psychiatry resident at the Center for Women’s Mood Disorders at UNC-Chapel Hill.
Madison Piotrowski/UNC Health
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Madison Piotrowski/UNC Health
Dr. Riah Patterson, a specialist in perinatal psychiatry, discusses patients and treatment plans with her trainee, a 3rd year psychiatry resident at the Center for Women’s Mood Disorders at UNC-Chapel Hill.
Madison Piotrowski/UNC Health
Indeed, the FDA fast tracked the approval of brexanolone in part because of how well and how quickly it worked, allowing women to feel better and get back to their families in three days.
“It’s new, it’s promising,” says Kaiser’s Dr. Koshy, but adds that “it’s not a benign medication.” Six women in the clinical trials felt faint or fainted, which is why the FDA requires women to be continuously monitored in certified health centers when getting the medication.
Also, the safety and efficacy data is limited, Koshy says. The clinical trials only compared brexanolone to placebo, not to alternative treatments. So while the data show brexanolone works better than nothing, there’s no data on whether it works better than drugs like Zoloft, or better than electroconvulsive therapy.
Women who received the placebo in the trials also showed improvement in depressive symptoms — which is common in studies of depression treatments — but more women who received brexanolone showed improvement, and their improvement was more substantial and lasted longer, especially if their depression was more severe before treatment. Women with moderate depression who received the placebo did just as well, 30 days after treatment, as those who received brexanolone, which could be because they felt better on their own, or because other antidepressants they were allowed to take during the trial finally kicked in.
Koshy says Kaiser is always reviewing practice recommendations as new evidence becomes available, but also acknowledged that Kaiser’s recommendations for brexanolone have not been updated since they were first developed two years ago, in July 2019.
Two weeks after this story first aired in Northern California, Koshy informed NPR that Kaiser Permanente is now reviewing the recommendations. She also added that Kaiser had recently communicated with its physicians that the recommendation to try four medications and ECT before considering brexanolone actually applied to a woman’s entire lifetime, not just treatments attempted in the postpartum period. Kaiser confirmed that it did not write this into the recommendations themselves, and declined to offer details about how this information was shared with physicians.
It is unclear what role California’s Department of Managed Health Care, the state agency that regulates Kaiser, might play in resolving issues of access to the infusion. In a statement, department officials said they will review any criteria or guidelines the Kaiser health plan uses for brexanolone, but the department does not have jurisdiction over physician decisions.
The department also monitors patient complaints when new medications or treatments begin to be used, in order to identify problems with access to care. So far, the Department has received two complaints about brexanolone – both were filed by Kaiser patients.
One was Yesenia Munoz. The other was Miriam McDonald.
Before going to the state, McDonald called Kaiser’s grievance department to complain about her treatment and the denial of brexanolone. Kaiser responded by sending the cops to her house for a welfare check.
The officers were calm and nice, McDonald said, but when she closed the door, she cried her eyes out.
“It just brought me to a whole new low,” she said. “Why didn’t my doctor call me and talk to me first? I mean, this is how you treat postpartum mental health? How dare you.”
Kaiser told NPR it cannot comment on any individual cases because of privacy laws, but that generally, “We feel deep compassion for any patient experiencing the difficult and serious effects of postpartum depression, and our goal is always to support every patient’s safe return to a healthy mental state.”
McDonald then appealed Kaiser’s denial of brexanolone to state regulators, but by that time, she was past the six-month postpartum cutoff.
She never got brexanolone.
Still, she continued to fight for relief and eventually got Kaiser to cover a different treatment for severe depression, transcranial magnetic stimulation, which uses an electromagnetic coil to stimulate nerve cells in the brain that control mood. That typically costs about $300 per session, and McDonald went in for the treatment five days a week, for three months. Now she is finally feeling like herself again.
After her efforts to get brexanolone failed, Miriam McDonald received transcranial magnetic stimulation at Kaiser Permanente to treat her postpartum depression. She says her mood started to really improve when her son was about 18 months old.
Miriam McDonald
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Miriam McDonald
After her efforts to get brexanolone failed, Miriam McDonald received transcranial magnetic stimulation at Kaiser Permanente to treat her postpartum depression. She says her mood started to really improve when her son was about 18 months old.
Miriam McDonald
“I can remember I woke up one day and I was excited. I had actual joy,” she says. “I got up and I walked into his room and I was like, ‘Hey, Nico! Hi! Hey, baby!’ And he jumped up from his crib and giggled and put his arms out. And I just swooped him up in my arms and cried. Because I was like, ‘I am so proud to be your mom.'”
Now when her son smiles at her, she genuinely smiles back. But it took more than 18 months to get here. She can’t help but grieve all the smiles she didn’t return in that time, and how she felt like she was barely present at crucial times, like when her son took his first steps.
“I felt like I’ve been robbed of all those moments,” she says, “of those little milestones, that I’m never going to get back.”
This story comes from NPR’s health reporting partnership with KQED and Kaiser Health News (KHN).
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20 Questions with Dr Ferox #8
My gosh, there’s just so much stuff you vetlings want to know, isn’t there? Well, knowledge is good, so here we go with yet another info dump as I try to answer a big slew of your questions in one hit.
Anonymous said: I sometimes get your patreon emails or an update on your blog while I'm studying/struggling in the wee-hours of the morning (vetmed). I'm in WA, so where-ever you are it's also late/early. What are you doing up in the witching hours?
First of all, I am an AdultTM and as such I am permitted to set by own Bed Time. There are many reasons why you might receive notifications from me so ‘early’.
I have a blog post on queue every morning between 5am and 6am my time (so probably 3am and 4am your time). It goes up automatically, so I can see initial responses before I go to work.
I think Patreon sends its emails at the same time each day, regardless of when I post. I certainly don’t type there early in the morning.
Sometimes I’m on nightshift and can get kinda bored at 3am sometimes.
Sometimes I just can’t sleep, especially with the changing day/night cycles.
Most of the blog runs on queue, honestly. At least three posts a day do.
@banesidhe said: Just happened to discover your blog. Thank you so much for posting like you do (even the snark. I'm a 911 dispatcher, I appreciate the snark ;) ), and sharing your experiences. No vet question, but if you could only ever re/read five books for the rest of your life, which five titles would make your cut?
Ah, I have found many similar people to myself among emergency personnel. There’s a particular combination of gallows humor and wishing people would get to the point that unites us.
For fiction books:
Feral, Kerry Greenwood
The Shepherd’s Crown, Terry Pratchett
Monstrous Regiment, Terry Pratchett
Watership Down, Richard Adam
Good Omens, Terry Pratchett & Neil Gaiman
Hmm, bit of a trend there.
But the work books I couldn’t live without are:
Plumb’s Veterinary Drug Handbook
The 5 minute veterinary consult, Dog and Cat Edition
Ettinger’s Textbook of Internal Medicine, Expert Consult
BSAVA Rabbit Medicine & Surgery Handbook
Small Animal Surgery, Fossum.
Anonymous asked: what was the most exotic/rare patient youve ever had?
This fat meerkat.
Anonymous said: My dog is a shelter dog and we suspect she was abused before we got her (afraid of E V E R Y T H I N G) and weve been slowly working on getting her to at least ignore people we walk past or that enter the house and thats been making progress. But she hates the vet. Hates it. Gets in my lap and refuses to leave. New dogs people and smells. So her normal vet takes the approach of having one of us hold/console her while they do all the poking and listening and whatnot and muzzling her if they need to and just getting it done as quickly as possible. But this last time she saw a new vet and this vet took the approach of hand-feeding her almost an entire bag of treats and called it "stress-eating" and tbh you should have seen the look on my dogs face. She was so weirded out. Shes highly food motivated so it was like heaven to her but she was simultaneously very suspicious. Her face was like"i love this but idk if i trust it" it was great.Have a greatday!
If you an reinforce the behaviour by arranging frequent, short visits to the vet clinic where nothing happens but lots of treats, she may start to associate the vet clinic with positive things (food) ad no scary things. This might make the rest ofher life easier.
Anonymous said: I own fancy rats and just want to put out there to people, that while they are THE MOST amazing tiny friends, in my experience most vets are completely lost when it comes to their care & several I've seen refused to even touch my exceptionally friendly females. They often get respiratory infections requiring antibiotics. One of my friend's females passed away bc nobody would perform a simple surgery on her. So please be cautious when buying them.
I would like to suggest that any surgery on a rat is likely to be not simple, because they do have particular anesthetic requirements that can make their recovery difficult. Also that a lot of traditional rat medicine hinges on using post mortem examination as a diagnostic tool, which is not useful at all with pet rats.
In dog and cat medicine most of our equipment and even medications are not suitable for rats, or very difficult to adapt. We simply have fewer options, and generally less experience with these species Most vets I know will attempt to treat them, but with a great big disclaimer saying I don’t do this often, and a quick question as to whether you’d prefer to go to a nearby clinic that does see rats more often.
Anonymous said: Hello, I recently took in 3 abandoned kittens and they're covered in fleas. They appear to be 6 weeks old and can't use meds or wash for them. I clean them with vinegar and dish soap and I was wondering if you knew of any other ways to help them since they hate getting wet. I also use a comb but they dislike that as well.
You can use capstar on kittens from 4 weeks of age, and Revolution from 6, probably earlier. Talk to your vet.
Anonymous asked: Strange question but do you know if that rage syndrome thing can happen in cats also? I know a cat who does that and also acts strangely in general at the same time?
It is not documented in cats, however Feline Hyperesthesia Syndrome may present in a similar way.
Anonymous said: Hey doc! I plan on getting my cat fixed soon and I'm worried about how it'll affect her. She's really skittish and prefers to stay in one room, could getting her fixed make it worse?? I guess like what are the possible behavioral effects is what I'm askin? For the qt: ive been here a while i just dont like or reblog stuff but i came for the vet knowledge and stayed for it too, especially the mythical creatures and dog breed info
She is probably not going to have any long term personality changes from being desexed, though might be out of sorts for a few days after the anaesthetic. If anything they tend to be less stressed because they’re not attracting Toms.
Another Anonymous said: My kitten was neutered yesterday and he's doing great, healing well, playing nonstop, remarkably agile despite the e-collar (navigating small spaces, jumping to high places), eating & drinking well. The vet didn't give us any aftercare instructions but I googled it -- and wish I'd done so before the surgery because I could've prepared better. A lot of it seemed obvious in hindsight but nothing I'd have thought of on my own. Do you have a flier or anything for your patients' humans?
We send our patients home with aftercare instructions. We have a default one that we print for routine surgery like desexing, and a customized one for non-routine procedures.
We also read it out to our clients when they pick up their pet, and point out that all these instructions are written down, because it’s easy to forget details when you’re worried.
Anonymous asked: I have a question! I saw your desexing cats post and thought I might send it to you. I neutered my male cat but he still sprays and tries to roam the neighborhood. I try to keep him inside best I can. Is there a reason this happens?
It may be stress, but you should consult your vet to rule out any underlying urinary tract issue before assuming so. Your vet should be able to discus the various stress reducing techniques, changes and treatments that are available.
Anonymous asked: Whenever my roommate wakes up before me, she makes bacon for breakfast while the coffee is brewing. If she hasn't slept well, her coherence is sometimes a bit... lacking. If our cat happens to demand food, about half the time she ends up giving him a slice of bacon instead of cat food. We only recently figured out that she's been doing this. He's not getting fat, and gets actual cat food later, so is this OK, or do we need to try to figure out how to keep this from happening?
While bacon is certainly digestible, it is not a balanced diet. It would be ideal if you could minimize his bacon habit.
@nowgovanish said: Hello! I have a question about my 13 and 4 year old cats. They seem to have some pretty bad skin reactions to certain foods, and I've tried a lot of different food brands that my vet reccommended. The one that seems to work best is a grain free/ non chicken variant, but I see that you aren't a huge fan of grain free. Is there anything I should change or try sticking with what works?
I have said many times before that if it’s working, keep feeding it.
Novel protein diets, and ideally single proteins source diets, are more use for allergies than just going ‘grain free’.
‘Grain Free’ labelling on food particularly vexes me because it’s not regulated. You can find ‘grain free’ food that really mean ‘corn free’ and either use grain byproducts or straight up use rice. Last time I checked, rice was a grain.
It’s like ‘Hollistic’ - it means nothing on a pet food label. Neither does ‘Organic’, pet food companies do not have to use all organic products in pet food to label the food as organic. These are marketing ploys like ‘all natural’ which are targeting your emotions and don’t mean anything when it comes to the food.
If you’ve come across a novel protein diet, or a minimum ingredient diet, that is beneficial for your cats then stick with it. But recognise what’s marketing and what’s useful.
Anonymous said: I love my dog but he is a complete and total moron. He has strangled himself so often that his bark is now raspy. He even found a way to do it with a harness! We've resorted to jogging when walking him to try and keep up but is there some way to make it better? We've tried letting him learn on his own, pausing when he pulls, and getting a longer leash. If he was much smarter I'd accuse him of being into asphyxiation.
I would suggest that you potentially need to figure out what motivates your dog most. Consider using positive reinforcement to encourage him to heel on the lead, instead of wandering and pulling.
You might also want to consider something like a halti collar, which pulls the dog’s nose downwards to their chest when they pull, instead of something that goes around the neck.
Anonymous: Would you consider it a good generalization that dogs more closely resembling/related to wolves (like huskies) have less health problems? I am aware that no dogs are completely lacking in health problems. Tax: came for good hard factual analysis.
No. And here’s the thing- all modern dog breeds are equally distant from their wolf-like ancestor, unless they have been recently mixed with wolves again.
Their health problems are different to those dogs with more extreme anatomy, but dogs that look like wolves are not inherently healthier.
@justslowdown said: a book i have discusses the man who created the GSD breed (aka isolated traits from a diverse population) pairing dogs with their daughters, granddaughters, great-granddaughters and onwards til more than 1/2 of the pups had to be culled. due you think this could be partially responsible for the health issues remaining more than a century later? "Very drastic inbreeding was espoused during the formation of the breed [...] to quickly form specific type" - The German Shepherd Dog by Ernest H Hart
Certainly.
This is called line breeding, where the offspring of a ‘perfect’ individual are repeatedly bred back to the same individual generation upon generation to try to recreate it. All you really do is lose genetic diversity very quickly and allow recessive deleterious genes to proliferate in the population.
This is why just about everywhere else that’s not the purebred pet world, this is considered a bad thing to do.
@eyestumblin said: Do you think horses would look significantly different if their wonky anatomy were more logical?
They would no longer be a horse.
@cirque-du-spoon said: I saw you mention sheep on the horse thread and I spent a fair bit of time on a sheep farm in Wales. The head shepherd once told me "sheep are born, they spend the rest of their life trying to die". Then he opened his landrover door, and the passenger footwell was maybe 6 lambs snuggled up to one of his old motherly collies.
The common phrase down here was “The aim in life of a Merino ewe is to die and take fifty of her friends with her.” It’s not really much of an exaggeration.
Anonymous said: I'm intrigued to hear the faults of sheep, lay it on me!
Oh I will. It’s on my list for a big write up.
@queenalia said: Hi! I love the post about why horses make no sense, and I was wondering if you would do a similar one for sheep (one of the most suicidal animals on earth in my opinion)?
It will definitely be done sometime in the next few weeks. As you understand, it’s not quick answer.
@vulturegeorge said: Hey Dr.F, after reeding your "horses-are-spindily-legged-disasters" post and your comment about how sheep are worse, I was wondering if you wished to elaborate? I am currently working on a heard of 50 random sheep my uni bought with a ton of lung issues ... so it'd be super interesting to me. Question tax: came for the Lucifer story, stayed for all of your amazing advice & opinions. I hope you are finding balance between vetting and living. cheers!
I promise I will elaborate. I can’t leave a cliff hanger like that and not explain... eventually.
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Am I paying too much for auto insurance?
"Am I paying too much for auto insurance?
I'm a 21 year old female and and I'm on my mom's insurance plan. I drive a 2002 pontiac grand prix and I pay $200 a month for full coverage with allstate. I don't have the greatest driving record by far. I've only been driving for 5 years and I've had 2 speeding tickets, 2 at fault accidents, and 1 non at fault accident. My last accident was in 2009. Unfortunately, I was driving through virginia and got a ticket yesterday. I'm just wondering if that price sounds right for my insurance. Is there a company that offers lower priced plans? Is there anything I can do to lower it?
BEST ANSWER: Try this site where you can compare quotes: : http://freecarinsurance.xyz/index.html?src=tumblr
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i started my construction business and im looking for some good insurance, and im not too sure whats the difference between a regular construction business insurance and bonded insurance? any suggestions?""
Premium tax rate on car insurance cancellation?
I want to cancel my insurance policy. I am currently paying monthly with insure to drive. I have had the policy for 3 months and reading the cancellation points it says a 35 cancel fee and premium tax rate. I currently pay 133 pounds a month for insurance if that means anything (totalling 1600 a year)
Effect of credit score on car insurance.?
What effect does bad credit have on your car insurance price, if any?""
About how much is a persons car insurance after a dui?
I had a dui earlier this year that caused a car accident. This was my first time ever having a car accident or even getting a ticket. About how much could my car insurance be a month? Please no negative comments
How much would insurance be for me?
I'm a 16 year old girl. I have good grades(somebody told me this was a factor)I was just wondering if anyone knew roughly how much insurance would cost for me. I was looking into a tacoma. But depending on how high the insurance would be depends what year I would get. Anybody know how much it would cost for a new? old?
How much do driving lessons reduce my car insurance?
I haven't seen a question like this before on Yahoo answers, but is the 350$ lessons (6 hours) really worth it? (Driving isn't hard, I know, but I want the lessons solely to reduce insurance rates)""
How much is insurance?
how much is insurance for a 1978 corvette stingray?(i want to know how much it is and also if that price is low or not also if i got a older corvette would the insurance go down?) i am 16 but i have a 3.5 gpa im also a guy if that changes anything also my parents insurance is really low.
How much would the car insurance cost on an 87 Jeep Cherokee?
Trying to get info on what Im looking at insurance wise on the car Im interested in. Its an 87 Jeep Cherokee 4 wheel drive. Completely stock other then that.
How do I get individual health insurance quotes for North Carolina?
I am currently living in New York State and am considering moving to North Carolina. How do I get individual health insurance quotes while still living in NYS? All the websites ask you to provide a North Carolina address which I do not have yet. Thank you.
Car released to my insurance company?
my car has been released to my insurance company, for them to ascertain whether my car is repairable or is a write off, the car an MGTF Convertible was burnt to dust at the week-end and no courtesy car has been provided, making my journey to Edinburgh from Glasgow and back again every workday a bit of a nightmare, has anyone any idea how long this process of making me an offer will take, as it is costing me a fortune in rail fares""
How much does car rental insurance cost?
I am renting an economy car for one day through enterprise. Any idea what the average cost of rental insurance they offer is? I'll be calling them later on. Just wondering ahead of time what I should expect to pay, on average. Thanks""
Cheaper auto insurance if my parents add me to their policy?
I'm 20, financing a car.""
Life insurance recommendation?
Hello !! Michael, I am interested in a term life insurance policy for myself and my wife. We are 50 and 51 years of age and in overall good health. We are both overweight according to Farmers insurance guidelines. Everything was fine with regards to our health except for their restrictions about the weight issue. My question: What are we supposed to do in order to be insured with a reputable company ? We would be willing to pay a higher premium if necessary. Could you Please recommend some insurance companys that provide flexibility with regard to weight. Your help is appreciated !!!!""
""In ontario, does a 10-day permit for a car include insurance?
My father-in-law gave us his old car. We need to get it certified. Does the 10-day permit include insurance for the car? How much does the 10 day permit cost?
What would be YOUR solution to affordable health care in America?
I work and most of my salary goes to insurance, so what would be an affordable alternative? I don't think it should be given to us by the government, but I think there should be some controls on the cost, so more people could afford it.""
Help - Advice on car insurance!?
I will be getting my british license this month because i will be getting a new car, even though i have been driving for the past 4 years but in Qatar. (for those who don't know Qatar its next to Dubai) Ive been searching online for car insurance under my details but i keep on getting really high rates. (Too high!) I'm 20 years old, have been driving here on an international license, and none of my family members have British licenses.... Is there anyway that i can get a cheaper car insurance? Maybe under a friends name or uncle or something? Thanks""
UK. Do you need insurance to learn to drive with your parents car?
i have my provisional Is the insurance expensive?
Anybody know the cheapest way to get car insurance?
Im 18/ female and this will be my first car , first time driving...prices are soo high it's hard to get cheap insurance at my age being a new driver. Does anyone know a loophole or just a way to get it real cheap?""
I have title to my exes car and pay their insurance. How do I get out of it?
Me and my girl broke up a year and a half ago. She's a real piece of work. We lived together for 3 years and had everything is each others names. Utility bills, cell phone bills etc. She never paid any of her bills on time and it destroyed her credit. I signed for a car for her because she's had multiple DUI's and didn't have the credit to get her own. She made the payments on it and I never put any money down. The car title is in my name and she has paid it off. She can't get insurance because of the DUI's. I just want to be done with it so I don't have to deal with her anymore but she wants me to hold off until she finished her DUI classes to get a reasonable rate on insurance. She's been telling me the same thing for a year plus. I'm not even sure if she's taken or taking these classes yet or not. I asked her about it the other day and she never responded to me. I had left her a voicemail and she never called me back. This really pisses me off. So my question is if I sign the title and make her sign it as well do I have any more resposibility with the automobile? I just want to drop her from my insurance and give her the title. Is she wrecks or, god forbid, kills someone while driving am I liable for anything?""
19 yr old looking for a fast & cheapest insurance car...?
So im 19 and looking for the best option in car with a cheap enough insurance <2,000. Wanting a car that is about as fast or sporty as im going to get for also <2,000. Any suggestions ???""
What companies are still insuring unoccupied and or second homes?
This seems to be a new trend. It seems that insurance companies are canceling Homeowner's policies of their customers who are selling their homes! Once the client has to move out to their new home the insurance company cancels the policy on the home that's still for sale. This is being done even if the customer has been a client for over 30 years and is using that company for the new home! Sellers are having a rough enough time with the real estate market these days! What can be done about this? Also suppose the seller decides not to sell but keep the home as a vacation spot? Are second homes being uninsured also?
How much will buying a 2005 Mistubishi Lancer Evolution 8 raise my insurance premium?
I'm looking into buying a new car and I'm a bit of a motor head and like to race. The Evo 8 is my next choice, but I can't find out how much it will raise my premium. Anyone know? If it helps, my insurance provider is Allstate.""
Am I paying too much for auto insurance?
I'm a 21 year old female and and I'm on my mom's insurance plan. I drive a 2002 pontiac grand prix and I pay $200 a month for full coverage with allstate. I don't have the greatest driving record by far. I've only been driving for 5 years and I've had 2 speeding tickets, 2 at fault accidents, and 1 non at fault accident. My last accident was in 2009. Unfortunately, I was driving through virginia and got a ticket yesterday. I'm just wondering if that price sounds right for my insurance. Is there a company that offers lower priced plans? Is there anything I can do to lower it?
Life Insurance company inactive and I have a policy?
Federal Life and Casualty in Battle Creek, MI is now inactive. My dad had a 5k life insurance policy and has passed on. He has a fully paid policy on file. Is this a situation where the family is out of luck?""
Is they liberal comparison of medical insurance to car insurance flawed?
under obamacare,i cannot be refused because of a pre-existing condition...great right?...i dont have to get health insurance...the fine from the IRS will be cheaper...i can just wait till i get sick to enroll...would some one explain to me how car insurance would work if i waited until the day of the wreck to get insurance..???...""
Hidden car insurance add-ons? (for example red paint cost more to insure)?
I know that your car insurance cost more if your vehicle is painted red, and if something that ridiculous is going to up my insurance price, I'm sure it's not alone. So, my QUESTION ~> Does anyone know of any other stupid details that will add to my car insurance bill?<~ (I'm looking to buy my first car and I have to pay for my own insurance. So I'm trying to avoid extra stupidity before it hits me with a financial price-upper.) HELP!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!""
""On average, how much is car insurance for a 17 year old in AMERICA?""
I live in the UK where it is a RIP OFF!! I'm 17 and i recently got a car insurance quote for a 1.4 VW Golf and it was like 3000 (around $4600). And that just for a 1.4 engine car. What's it like in America?? What engines do young drivers usually buy in a car and how much is it over there? On TV and that, Americans get like 3 litre cars for their first cars, that's why i'm curious. Cheers.""
Can anyone give me an estimate on how much insurance would be on this car for an 18 year old?
http://www.arnoldclark.com/detail.html?ac_reg=cc_z7zzceuy0c1uz99c&$ac_branch=&$ac_min=&$ac_variant=&$ac_trans=&$ac_type=&$ac_model=Z4&$ac_body=Convertible&$ac_doors=&$ac_max=&$ac_year=&$ac_cc=&$ac_fuel=&$ac_color=&$ac_miles=&$get_results=View%201%20Cars&$ac_make=BMW&$ac_sr=0&$ac_pp=10 I'm 18, and am considering buying this car. I'm not naive, I am aware the insurance will be very high as I'm a teenager and it's a sports car, but is there anyone here who works in the car insurance industry who can give me an estimate on how much insurance would cost me a year?""
Additional insurance?
hi, i have been covered with cigna insurance 80:20 and i ve undergone miscarriage which costed me 2500$ after insurance. now i want to be careful as i am planning to conceive again. i ve listened that there will be additional insurance will helps to cut the cost of delivery. is it true?if it is can anyone of u sugest me the plans?""
Where can I find Auto Insurance with High points on My License?
I have 10 points on my license for minor infractions and now I am having trouble finding affordable insurance.
Average medical cost of baby first year?
We have a $600 deductable with an 80/20 co-pay for our health insurance. Supposing the baby gets sick one time in the first year & goes to regular checkups, what would the medical expenses be? How much is birth at a hospital with an epidural & 2 day stay? Of course, this is all assuming we have a healthy baby.""
How much did you pay for car insurance on your first car?
I am going to be 17 soon and will get a car, the car i will get is Vauxhall Astra Mk4 1.4, i went on a car insurance quote comparison website and the cheapest they could find was like 5,500, there's not a chance im gonna pay that, i was wondering what you all paid, oh and i live in the UK.""
Fellowship in insurance?
what is the scope for fellowship in life insurance and general insurance in india to start a career in insurance.
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.""
Can i get insurance with my learners permit?
Hi i finished my MSF course about two months ago and i want to get my own insurance, since my brother is leaving to collage. im 18 and have my leaners permit for about 2 months. I'll get my motorcycle license in 4 more months. i asked PROGRESSIVE and they said they won't be able to insure me till i have my license. BQ: what insurance do you have? any you recommend? I have a clean record.""
Vehicle hit while parked will insurance rate go up????
I get a call from my girlfriend that on the way to the train she saw my car was smashed -Bumper , fender , Headlight need to be replaced The car was parked at the time. Gessing this would be considered a hit and run?Wll insurance rates go up if i put in a claim?????""
""How Much Are Maintenances, Insurance, Etc. for Mercedes?""
I want to get a car like this: http://www.autotrader.com/fyc/vdp.jsp?ct=u&car_id=290209022&dealer_id=5433219&car_year=2002&doors=&systime=&model=&search_lang=en&start_year=2001&keywordsrep=&keywordsfyc=&highlightFirstMakeModel=&search_type=both&distance=10&min_price=&drive=&rdm=1292294570902&marketZipError=false&advanced=&fuel=&keywords_display=&sownerid=74651&lastBeginningStartYear=1981&end_year=2012&showZipError=y&make2=&certified=&engine=&page_location=findacar::ispsearchform&body_code=0&transmission=&default_sort=newsortbyprice_DESC&max_mileage=&address=92620&color=&sort_type=priceDESC&max_price=9000&awsp=false&make=MB&seller_type=b&num_records=25&cardist=5&standard=false&rdpage=thumb And I'm curious to what everything will cost. I will be 17 when I get the car. I don't think it will be that expensive since it's almost 10 years old, but I need help.""
Cheap insurance companies for 17 year olds?
cheap companies that offer cheap insurance for males
Insurance ticket in the state of texas?
My husband got pulled over recently and got cited for no insurance (it had actually lapsed due to non payment). That same night we got him some insurance with an immediate effective date. If we take that proof to the court can we get it taken off the citation?
Different ways to lower insurance cost. could i have my boyfriend insure my car for me?
Please, if you're not 100% sure don't answer,, it's confusing. Anyways, i recently financed a vehicle, 06 Taurus, and the insurance is killing, nearly higher than the car note! ($314 a month). & now that I'm pregnant i need to save $. My boyfriend doesn't have a car or license, but is there any way he could get insurance under his name & then add my car? Or any other work a rounds? Btw, I'm willing to fix his license if that's an issue. I'm 23, He's 29. I live in what's considered to be more dangerous city than he does. Also, he has less moving violations than me. So a policy for him maybe be anywhere from 40-60% cheaper than mines.""
Car insurance for a financed Audi A4?
What is the least expensive car insurance agency?
Can a family friend put me on their car insurance?
So i live in the state of california. I have had my learners permit for more than six months now. I want to get my drivers license but due to the economic crisis my parents aren't able to pay every month to have me on their car insurance. A family friend has offered to put me on their car insurance, but what my parents want to know is if that is legal in the state of california or do I HAVE to be insured by my parents?""
Where is the cheapest Motorcycle insurance for a Honda CBR500R in Vancouver?
I'm a new rider buying my first bike. I am not really sure which options are available for insurance. I know ICBC has mandatory liability that has to be paid to them, however I'd like to know where the cheapest motorcycle insurance for a CBR500R is. Any help or info would be appreciated - Brad""
Car insurance question?
I am British and my wife American. We will be relocating to the US soon. Will my British driving licence be sufficient to be a 'named' driver on my wife's car insurance?
What will my insurance roughly cost when I'm 19?
Hello, I'm 18 now and about to get my drivers license. I plan on getting a cheap car with low insurance the first year of driving for me. I always wanted a Mazda RX8 and I know that theres no chance of me getting insured for the car now so I was wondering when will it become affordable for me to get a Mazda RX8? Like for example what would you suggest my salary should be to realistically own that type of car in the UK? Thanks!""
Which do you think would be cheaper on insurance.?
For a 17 year old Provisional licence driver in Ireland.? 2005 Nissan Almera 1.5L saloon or 2000 Honda Civic 1.3L Hatchback I know the Nissan has a bigger engine and is a saloon but will they think im a boy racer because of it being a Honda civic.?
What kind of car would have cheaper car insurance?
I want to buy a car I have $10 000 and I woult like to purchase a car that would be good on gas, and have a cheaper insurance, any suggestions and quotes?""
Basic features of insurance?
features of insurance
Am I paying too much for auto insurance?
I'm a 21 year old female and and I'm on my mom's insurance plan. I drive a 2002 pontiac grand prix and I pay $200 a month for full coverage with allstate. I don't have the greatest driving record by far. I've only been driving for 5 years and I've had 2 speeding tickets, 2 at fault accidents, and 1 non at fault accident. My last accident was in 2009. Unfortunately, I was driving through virginia and got a ticket yesterday. I'm just wondering if that price sounds right for my insurance. Is there a company that offers lower priced plans? Is there anything I can do to lower it?
Car insurance and full time employment?
After playing about on comparison websites I've noticed that with the same companies it's about 100 less if I am in full time employment compared to being a mature student with a part time job...why is this?
""I am from New Zealand, temporarily working in Canada for six months. How do I get car insurance to drive here""
I am from New Zealand, temporarily working in Canada for six months. How do I get car insurance to drive here""
How much does insurance cost for a 2002 mitsubishi eclipse gt for a 16 year old who went through drivers ed?
How much does insurance cost for a 2002 mitsubishi eclipse gt for a 16 year old who went through drivers ed?
What's wrong with car insurance?
I am a safe driver. I've never had a car accident or ticket. As a consequence of my choices, I pay very low rates for car insurance. Other people I know have had accidents and many tickets, they pay a lot for car insurance. In this system, each person pays a different rate based on the consequences of their choices and actions. So what is wrong with this system? Why can't we use the exact same system for health insurance? If I eat right, exercise, and wash my hands then I will rarely get ill and should pay very low insurance rates. My neighbor eats junk food, smokes, and never exercises, has lots of medical issues and will for as long as he lives, shouldn't he pay a much higher rate for insurance? Why would anybody want a government system in which we will both pay the same rate? That is blatantly unfair to me since I make good choices and wont get sick as often. Furthermore, I have the choice of lots of different car insurance companies (Geico, Allstate, Nationwide, Progressive, etc.), this competition drives lower costs and better service. Why would I want to give up choice in favor of a monopoly? What is wrong with our car insurance system that somebody would not want the exact same system for our health care?""
How to lower price for car insurance?
Hi.So I bought Renault Clio 1.2 16v Extreme for 2.5k . It has modifited alloys (16'),tinted black windows and back lights a'la Lexus. Obviously car was from 2nd hand so these modifications arent worth more than 250-300. I'm 18 years old and Im holding my driving license for 1 month. I quoted myself on many car insurance websites and all I see is 2900-3300 to insure it if I type that my car is modifited (without mods it's 1,8k to insure) ! My question is: Is there car insurance company that will not cover modifited parts but it will cover rest of the car so I'll pay like for non-modifited car? If it is - what's the name of that company. Thank you.""
How can I get my first ever used car if I don't have any auto insurance b4?
So here is the conflict: I can't drive the used car off the lot if I don't have insurance. But to get the insurance, I need to have the car purchased first. Am I missing something here?""
Can someone please tell me why used Audi's or so cheap?? Can someone help me pick which used car to buy!?
2003 BMW 325I 84K Miles $10,900 2002 Audi S4 64K Miles $10,900 2005 Audi A4 1.8T AWD 79K Miles $10,900 2006 Honda Civic EX 1.8 75K Miles $10,900 2003 Infiniti G35 sedan 64K Miles $10,900 insurance is no problem, all these are clean car fax, clean title, all under KBB value, the infiniti is $3,000 under value, the rest are about $1000 under value. Any ideas why Audi are so cheap? im just looking for about a 10-11,000 car with low miles. Which should i pick?""
What is the toll free phone number for Travelers Insurance?
I am looking for a toll free phone number with Travelers Insurance that is dedicated to new customer quotes not existing customer service.
Car insurance advice?
I am 20 years old just got my license in February my car insurance is currently 217 with abc I can't afford it so where can I get a cheaper insurance I know because my age cheap isn't a option but 200 is insane.. or would it be cheaper for somebody to put me on their insurance with my car!! HEEEELLLLPPP btw I have a 06 mazda 6
Car insurance for another person?
Hey guys, so I'm gonna get a car soon. I turned 18 back in January. My mom is going to buy me a car soon, but only if the insurance isn't that high. So, seeing as I really want the car I have in mind, I need to know some things about car insurance. My mom has gotten into an accident before also, plus the car in mind is a sports car. A Nissan 350z to be exact. So my question is, can I get insurance for that car even though it's under her name? I've never gotten into an accident before, and plan to get my license soon. Thanks!""
Does Mercury Car Insurance give instant proof of insurance?
Does Mercury Car Insurance give instant proof of insurance?
State farm insurance? how much does it cost?
i am a 19 yr old female with an 04 kia spectra, no tickets or accidents clean driving record! i live in virginia how much would getting my own car insurance policy cost me (average)""
How much would car insurance be for a 16 or 17 yr old guy?
im 16 now, ready to get my first car and drive, but i need a steady job to pay for my insurance. so being young and a male, how much should i be looking to pay?""
How can I get my insurance CSR 440 certification?
I would like to pursue a career in insurance adjusting
What is an insurance discount disallowance?
i got my bill today for the lab where i had some tests done. on the bill it had a disallowance under the insurance discount category. just wondering what that was. the bill was about 400 and insurance paid 200 and it said disallowance of about 175 so my bill only ended up being 25 dollars.
Cheap cars to insure?
ok so im not gonna get into it cause it was a big mistake and i never want to relive it but a little while ago i ran from the cops in my car ( 2002 firebird) and i was able to get away but someone noticed my car and tipped them off so now i am having to sell my car and go to court for some tickets. after talking to my lawyer i am looking at 22 points on my license. most of them will be dropped but he said i would still be looking at 5 digits for my insurance. so now i am looking for a new car and just wanted some advice on what i could get that would be the cheapest to obtain and insure?
Sr-22 insurance how much does i t cost?
I got a dui in 2002 and i havent drove snice i have a car paied off and its a 92 cavilier does anyone know how much my payments would be each month and all i want to put on it is just relaible insurance
Average insurance rates for a retail store?
What would be the average insurance rate for a retail store that sells books? How much more would it be with a children's section? If a child was injured in the play section how much would the rates spike up? I need this for an economics class where we are theoretically building a buisness and running it. Any help is appreciated.
How Much Is Insurance For a 16 Year Old Girl?
16 year old girl Good school attendance record.Grades could be better. Dallas,Texas. Hispanic(If that matters) Mom and Stepdad have Allstate insurance What is the general price range? And for these cars,can you estimate(I'm NOT getting these cars just curious)I am getting a used Dodge avenger though!(: 2008 Dodge Charger 2010 Chevy Camaro 2008/2009 Dodge Avenger""
Hit and run but the victims car didnt have insurance?
ok so i was in a private parking lot and i accidently scratched another car i left because i was stupid and got scared. the cops came and found me the next day and i got charged with ...show more
Am I covered by my car insurance if I park illegally?
I park my car on a Bridleway the Police say it is illegal but they class it as parking so will not touch me the Council will not touch me either as they cannot apply any laws as there are no kerbs. My question is if a Horse injury's itself due to my car being there or a person hurts themselves,or causes them to be injured whilst negotiating my car am I covered by my insurance as I am illegally parked.""
Is triple a the best car insurance?
Is triple a the best car insurance?
Help! Accident on motorcycle with no insurance.?
I was recently involved in an accident on my motorcycle with a Hertz rental car. I purchased the bike 9 days before the accident and was planning on adding the motorcycle to my car insurance policy. No one was hurt in the accident but a police report was filled out at the request of the rental company. I was wondering if insurance companies possibly have some kind of grace period for accidents a certain number of days before the policy is added, or if need be, transferred to the motorcycle. The rear bumper of the rental car was dented and the right rear lights were damaged. My motorcycle is fine. I live in California.""
If you have full coverage Insurance and your car is stolen?
What happens? My mom had a 2000 Lincoln Navigator. It is completley paid off and she went out of town yesterday and her car was stolen from a motel parking lot. If the car is never found, how much does the insurance pay and how long does it usually take?""
How much does motorcycle insurance cost?
17 yr old male.... and 1st motorcycle.
Am I paying too much for auto insurance?
I'm a 21 year old female and and I'm on my mom's insurance plan. I drive a 2002 pontiac grand prix and I pay $200 a month for full coverage with allstate. I don't have the greatest driving record by far. I've only been driving for 5 years and I've had 2 speeding tickets, 2 at fault accidents, and 1 non at fault accident. My last accident was in 2009. Unfortunately, I was driving through virginia and got a ticket yesterday. I'm just wondering if that price sounds right for my insurance. Is there a company that offers lower priced plans? Is there anything I can do to lower it?
19 year old male car insurance on a peaugot 206 1.4 ltr?
Im looking on how i can get cheap car insurance on my car iv had my licence for 9 months now no driving experience?
How does being self employed affect car insurance rates?
I was laid off a month ago (I'm actually happy I was because I was not enjoying work at all). I've started my own company, and I mostly work from home and I don't drive ...show more""
How can I get the cheapest car insurance in the UK?
I am 29 and have had a driving licence for 11 years but in another country (non EU). I just got my UK licence and am looking for a cheap insurance. the cheapest quote I have found is over 2000 which is too much. I have a 1.6 automatic Golf. Is there any company that accepts my previous licence as my experience? I also tried to get my No Claim Bonus letter from my Insurance company but they simply don't answer me as the system is different in my country so no chance of getting that. thanks
I just got pulled over for not having my seat buckle on and I'm wondering how much my insurance will go up?
This is the first time I've EVER been pulled over and I've had my license for a little over a year now. I get good grades and all that stuff so my insurance is pretty low for the average person right now. I'm wondering how much my insurance will go up? SOMEONE HELP! Kinda freaking out here. :p
Cheap derbi insurance?
hey im 16 the end of the month and i am getting a derbi gpr 50. my question is, where can i find really cheap insurance for this bike in the UK?""
Is this fronting or just cheaper insurance?
Now I know the idea of car insurance fronting is putting myself as a named driver on my parents insurance when infact I am the main driver... but hear me out on this: I'm a 22 year old guy and I've almost finished my lessons now. And getting my own insurance plan has been quoted to me at anywhere between 3000-5000 on a 1.0l Corsa/Micra with third party cover (which apparently have THE lowest insurance currently in 2011 for young drivers) But Compare The Markets quote site has this one option; If I make my dad the insurance policy holder, and I get added as a Named Driver... it gives the option Main Driver and I can be selected, and low & behold the insurance quote drops to 1800 Is this still fronting? and therefore illegal? I mean, I AM listed as the main driver... its just my dad will be the policy holder. Many thanks in advance from a (maybe) new driver! :)""
How much does accutane cost without insurance?
Im planning on possibly going on accutane by january if my skin doesnt clear up.... i will buy the cheapest generic accutane i can find, But how much will it cost for bloodwork, dermatologist visits, the pills, etc...etc... i herd it could be pricy but personally i dont care i just want to get rid of this 5 year long acne.....""
Which of these cars are cheap on insurance and also reliable?
1995 Audi A6, 1992 Nissan 240sx, 1995 Acura integra(2 door), 1992 Nissan 300zx, 1996 Bmw 318i, 2001 Lexus IS300, or 1992 Mustang? I'm looking at these kind of cars and was wondering which of these will have a cheap insurance and also a reliable car. Thanks for info.""
How much for infinity g35 or nissan 350z insurance?
Well ive had my license since I was 16 and im currently 18. I have a jeep and after working on it and driving it so much ive decided to get rid of it for something new. Im pretty set on getting either a g35,350z or 330xi, however, i wanted to know how much insurance might cost for either the infinity or the 350z. For the people who want to judge and say i dont deserve any of these cars,please refrain from commenting that on this post.1)I do not car and 2) Im a very good driver and i drive a lot and have a lot of experience on the road sees that I'm always driving around to and from practice,work,and each parents house because they are divorced. thank you""
Do auto-insurance companies submit information to DMV?
I called California DMV with proof of insurance and they already had my information. I never gave it to them directly. So I am curious are they all synced up now or how does this work?
When does car insurance lower for a guy?
I am 20 years old, I have been driving for the past 4 years with my parents cars. I pay through my parents for my insurance. I am looking to buy my own car and the insurance is only slightly lower than paying for what I have now! I looked at an 01 Ford Focus and it will cost my $1200 for 6 months! I also looked at a Ford Taurus it was about $900 for 6 months, a 97 Malibu is about the same as is a 97 Olds. The cheapest insurance I could find was a 94 Ford Ranger which is only $850 for 6 months. When does car insurance lower for a guy?""
Where can I find cheap auto insurance?
I will be looking soon for auto insurance for my first car. I have bad credit, no driving record(I am just about to get my license within the next couple months), and am 26. Where can I find an insurance company with an affordable premium?""
Can I Drive without Insurance? I have a license and my car Is Insured under my parents name?
Okay so I really need your help.. well help from whoever has the correct Information.. So I'm 19 about to be 20 In May, I have my driver's License, and I have my own car that I got as a present for my 18th Birthday, but It's under my parents name, but anyways my question Is, Can I drive without Insurance? I mean My Car HAS Insurance just not for me. It's under my parents Name, and I mean I Need the car for school, It's not for anything more than that? what can I Do? I know I can get Insurance but It's like expensive for me that I Don't work, and I have to be making payments for my school every month, and I know I Should have a Job, But I'm a full-time student..so yeah you can Imagine.. so yes.. who can answer this?""
""How much would it cost me for motorcycle insurance in toronto, ontario?""
I'm 16, going on 17 in march, and have my G1. I have a 1984 Honda cm250 custom that has been sitting in the garage and I've decided I'd like my M1 as well. Before I get it I was interested in how much I would be looking at paying for it per month/year. It would be used for pleasure, to get to and from school, and the odd day to go driving, probably less then 12 000km a year. If there's any info missing I'll gladly add it in. Here's all the info on the bike: Years Manufactured: 1982 - 1984 Category: Classic, Custom Engine & Transmission Engine Displacement: 234.00 cc (14.28 cubic inches) Engine Type: Four Stroke Twin Horse Power (kW): 17.00 (12.4) @ 7500 Compression Ratio: 9.4 : 1 Compression Pressure: 170.7 psi (12.0 kg/cm2) Bore x Stroke: 2.09 x 2.09 in (53.00 x 53.00 mm) Valves Per Cylinder: 2 Fuel Control: OHC Ignition System: CDI Cooling system: Air Gears: 5 Number of Plain / Friction Plates (cutch): 6 / 6 Transmission Type / Final Drive: Chain (1982, 1984) Belt (1983) Weight (including oil and gas): 317.5 lbs (144.0 kg) Top speed: ~75 mph (120 Km/h) Fuel Efficiency: ~50 mpg, city (21 Km/L) Engine & Transmission Front Wheel Dimensions: 18 in Rear Wheel Dimensions: 16 in Front Tire Dimensions: 3.25S18-4PR Rear Tire Dimensions: 110/90-16 59S Front Tire Pressure: 25 psi (1.75 kg/cm2) Rear Tire Pressure: 25 psi (1.75 kg/cm2) Rear Tire Pressure (>200 lbs): 32 psi (2.25 kg/cm2) Front Fork Travel: 5.5 in (140 mm) Front Fork Oil Capacity: 4.56 fl oz (135 cc) Rear Fork Travel: 2.9 in (75 mm) Front and Rear Brakes: Expanding Brake (hub) Engine & Transmission Spark Plug Type (NGK / ND): CR7HS / U22FSR-U Electrical System Voltage: 12 volts Alternator Output: 190 watts @ 5000 rpm Fuel capacity (total): 3.3 gal (12.5 lit) Fuel capacity (reserve): 0.4 gal (1.5 lit) Oil Capacity 1.6 qt (1.5 lit)""
Car insurance prices?
Approximatley how much is car insurance on a small engine car (1.1) for a 26year old female I know it will depend on area and no claims and named drivers, mileage etc, but just looking for a rough figure as I haven't got a clue""
Car Insurance for a 16 year old in California?
I am gonna get either a Used 03-04 Nissan 350z and would like to get a rough estimate of how much insurance is gonna cost. Thanks in advance. Also what would happen to my insurance if the car is on a salvage title?
Why should we pay CAR insurance?
I know it is made to protect us from being sue, I understand this. BUT if we are MADE to pay insurance to drive a car then the Car insurance companies should be MADE to include Car replacement as a STANDARD pack for both Full and Liability coverage(Why should I lose my car because of a BAD driver) If your car is totaled and you are still making payments then you lose a car. If you paid off your car and it is totaled, you lose a car. Lastly, we who pay insurance and don't have an accident in six months(or one year)should be given a choice of a lower premium, cash returned or a loan.""
What is a good cheap auto insurance?
i have progressive right now and its almost 300 cause i have a new car..are there ne others that are cheaper but have a good policy??? i live in kentucky
How much would it cost for me to insure this?
If anyone works for an insurance company or knows how much this will be please help? Just passed my text and am 17years of age, how much to insure the car below? Nissan Micra 1.0 S 3dr Hatchback 51 reg Manual Petrol 35k miles""
Whats a basic cheap Car Insurance for a 18 year old?
Hi I am 18 I live in New York and have had my lisense for about 6 months now and my insurance is pretty expensive like 1200 for HALF A YEAR which is crazy so I was wondering if anyone know of a cheap insurance company for basic insurance thats maybe 1200 for a whole year or cheaper. I also drive a 1994 Saab 900 S Hatchback 2 door
Insurance about my new car?
Okai so im 19 and in California. My mom just bought me a car(Nissan Versa 2012) today and i was wondering if its really true that new car means higher insurance? Im taking my Actual Test next week so there shouldnt be a problem driving it soon. Btw in AVERAGE how much would i pay a MONTH for the insurance? Thanks Ya'll
Why does car insurance keep increasing every year?
I got USAA when I was in the military and it seems every year my car insurance rates go up by about $10. I have had the same car the whole time, no accidents and barely ever drive it. Is it normal for car insurance to keep going up like that even though me and my car are getting older?""
What do I do if I've been denied life insurance?
I'm young(18) I don't smoke or drink, and I don't have cancer, or tumors or anything. Well except epilepsy. I also have a physical disability. I can understand epilepsy being a concern, but I fail to see how anyone can be denied with my physical disability. As it does not in any way shorten your life span. Is this fair? I guess I also have partial blindness. But, it's just a visual cut, not my entire eye or anything. Is there anything I can do? I do have a wife, and plan on having kids soon. I don't want to hear about me being young unless this is related to the reason, or there is a better option. Also, there is NO medical conditions that would be caused by my disability in the future. I had surgery long ago to prevent further problems.""
How much does flood insurance cost?
How much does flood insurance cost, as well as wind insurance?""
Under Obamacare if you have stage 4 cancer and go to sign up for health insurance how affordable will your?
rates be? Is there anything in Obamacare that's going to stop the insurance company from charging you an arm & a leg?
Am I paying too much for auto insurance?
I'm a 21 year old female and and I'm on my mom's insurance plan. I drive a 2002 pontiac grand prix and I pay $200 a month for full coverage with allstate. I don't have the greatest driving record by far. I've only been driving for 5 years and I've had 2 speeding tickets, 2 at fault accidents, and 1 non at fault accident. My last accident was in 2009. Unfortunately, I was driving through virginia and got a ticket yesterday. I'm just wondering if that price sounds right for my insurance. Is there a company that offers lower priced plans? Is there anything I can do to lower it?
https://www.linkedin.com/pulse/housatonic-massachusetts-cheap-car-insurance-quotes-zip-jill-melville/"
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Getting my license in April. Good cars w/ low insurance rates?
"Getting my license in April. Good cars w/ low insurance rates?
I like cars like the Scion tC, Mitsubishi Lancer, ect. Sports cars, but not super nice ones. I'm getting my license in April and will get a car shortly after. I want to get a car like the ones above, but I don't think my dad will want to pay a lot for insurance, but I don't want to get a Jeep, which is what he got my brother and sister since the insurance is low. What are some cars like these that also have good rates for insurance? Price range is any thing lower than $10k.
BEST ANSWER: Try this site where you can compare quotes: : http://freeautoinsurance.xyz/index.html?src=tumblr
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How can I learn how much money do I have to pay for short term disability insurance?
I am going to start a business. And , I have 11 employees . I would like to get short term disability insurance plan and long term term disability insurance plan for my employees, and life insurance too . How much much money money do I have to pay for this?""
""Fender bender, but did not have insurance?""
hypothetical situation, fender bender. I was in a fender bender, I was not the Fault person, but I did not have any insurance. Does the fault person insurance have to pay me for the damages done to my car even though I didn't have insurance when it happen? the insurance company refuse to pay me for any damages done to my vehicle. If I take them to court will I win. (the question is for me to know if I can get sued because my insurance company is not paying for the damages done to the other vehicle, but she did not have any insurance so they refuse to pay anything.)""
Insurance settlement in Arizona?
I hit rear-ended a guy at about 5MPH back in July. He was in a pickup, I was in my civic. About $800 worth of damage to both vehicles. He complained of no injuries at the scene. I find out he got an attorney and filed a claim against my insurance. My insurance says they are still waiting to get a demand letter. Question: I only have $100,000 in coverage. Is there any chance he could get more than this?""
How much would insurance cost an 18 year old for a car and a motorcycle under his parents insurance?
car is a honda accord 2005 motorcycle is a honda cbr600rr
Insurance for a Car Loan..?
The thing is.. I have just recently gotten my aunt to co-sign for a loan on a 2001 Chrysler Sebring lxi. Me and my boyfriend will be the ones who have the car, but me on the other hand, I currently have a Learners Permit so i'm unable to drive it but my boyfriend has a license therefore he can. So for the Financial Company who is loaning us the money has me on file because i'm the only one with income since he doesn't have a job. The problem i have is that the financial company has my information but I can't get insurance for myself as i will not be driving the car, ONLY my boyfriend. So my question is, since i hold a learners permit and he has the license and will be driving, can i just put his name for the insurance? The financial company asked for Proof of Insurance but i don't know if they'll allow him to have the insurance in his name since the loan is in mine? I don't want to get denied because of that one factor since i already got accepted for the loan. I'm sorry, i'm new at all at this :/ Any help would be appreciated, Thanks!""
Explanation for Insurance quote in Oregon?
Hi folks, I just moved to Oregon from CA. I got a quote from State Farm which suits my need. I just got a quote from an agent. She mentioned something like this in the quote. I have me and my wife as drivers. Automobile liability with W/P $25000 50/100/50. I mean to ask what does W/P $25000 mean? Is it mandatory to have PIP in Oregon? Thanks for your help.""
6month CHEAP car insurance.! plz help?
hi, iam looking for a 6month cheap insurance policy plan for my bf's blazer. the court says he has to have sr22 with a 6month policy... if not he will go to jail. we have found one where 1200 is the cheapest at the moment but i would like to know if there is anything cheaper.""
""Can't afford car payments, car insurance?""
I can no longer afford to make my car payments and car insurance. I was using those checks that you get from credit cards. Now I am in serious credit card debt. It's too late now to try and sell the car because I have missed my 8/15 car payment. I haven't called the bank yet to tell them my situation. Is it a big hassle when I go to call? I still owe $8,000 on it. I wanted to get some advice before I call.""
'95 Acura Integra insurance price?
I live in Texas and I amndering, what would the insurance cost a month for a Black Acura Integra. I am 17. Not exact price just a close estimate.""
How much would insurances cost on a 88 corvette?
im am going to be 16 and going to get a red corvette i was wondering how much would insurance cost for it and i live in CA in LA i well be under my moms insurance pollicy so what would u think it would cost i drive the car a lot and all the car is for looks it not for racing and pick a up all the girls and go to party lol
How much does moped insurance cost?
i am 15 and live in new jersey. i want to attach a 49cc engine to my bicycle. i have done a lot of reading on the subject and have come to find out that this qualifies as a moped. in order to ride it on the street, one of the requirements is insurance. I just want to know how much it costs before i put any money into it. thank you for your help!""
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?""
Getting my license in April. Good cars w/ low insurance rates?
I like cars like the Scion tC, Mitsubishi Lancer, ect. Sports cars, but not super nice ones. I'm getting my license in April and will get a car shortly after. I want to get a car like the ones above, but I don't think my dad will want to pay a lot for insurance, but I don't want to get a Jeep, which is what he got my brother and sister since the insurance is low. What are some cars like these that also have good rates for insurance? Price range is any thing lower than $10k.
Is healthcare on medicaid health insurance decent?
my father has to take an array of medications every day for heart problems and high blood pressure. will these be covered? i hear many doctors don't take payment from medicaid, and that poor healthcare is offered through the program, instead of private practitioners, one must go to community clinics, etc. should my father go on medicaid, or is it not worth it?""
I got a ticket for no insurance..?
but i actually did have insurance i just happen to show the officer the wrong one is there anything i can dot to avoid this 3 yr surcharge.
Why are republicans fighting the health insurance mandate and not fighting the car insurance mandate?
If you have to buy car insurance and get penalized for driving without car insurance, whats the difference here? Its as much a privilege to drive as it is to receive healthcare. However no one thinks its an over reach of government to mandate car insurance. When you get in a car accident with an uninsured driver you have to pay for your own damage, so how different is it then when americans use the public healthcare system, the government has to use TAX DOLLARS to pay for their health care. Also why is it being categorized as a Government Takeover of Healthcare ? If I buy health insurance wouldnt it be more like a Privatization of Healthcare seeing that instead of having vast amounts of tax dollars going into the system, the health system would now be funded by the insurance companies by paying out claims.""
What are the pros and cons of car insurance?
What are the pros and cons of car insurance?
Can you get insurance on a vehicle if your license is suspend?
Can you get insurance on a vehicle if your license is suspend?
What type of car would have the cheapest insurance? Over 25 but 2 dui's... I know... stupid...?
I just got my release for my license back and am looking for a new used car. I'm also trying to keep the insurance price down (I'm sure like everyone). Any suggestions on a type of car or insurance company that would be good to use please let me know. thnx
How much would my car insurance go down average?
hi everyone, i am 18 and still on my 1st year car insurance paying 177 a month/2200 a year. 1 litre vauxhall corsa. just wanted an estimate on how much it would go down after the 1st year with no claims from expierienced drivers. thanks :).""
Cheap insurance cars?
What new-ish cars (about 2008 onwards) are amongst the cheapest to insure for a 17 year old male? Not really looking at a stereotypical first car like a Corsa or Clio etc. I know insurance isn't cheap, but what cars have the cheapest available?""
Can i keep the insurance money and not fix my car ? can i still buy insurance in future?
I have a BMW 335i which cost around 29k (BUY LAST YEAR with CASH). I was hit by other guy ,he was at fault so their insurance ( B) absolutely must pay to fix my car .Nothing relate to my insurance ( farmer ). they estimate the cost to fix at their shop is 7k while BMW estimate for me is 13k (if there is hidden cost to fix the car, B will have to pay it too,thats the law). I do not want to drive this accident car anymore ,so can i ask them to write me a final check ,for example 15k to cover everything now and in future (for example they accept the deal). i then will sell the damaged car to somebody for cash and buy another one ? my car is still drivable (in my opinion the stucture would cost like 2 k to get it work perfectly,yet if we do not care the look, the cosmetic it will be a super good car to drive) In case i do not sell the car and fix the structure to drive,keep the money , i heard somewhere from yahoo answer that no insurance company will sell you insurance ??? like i can no longer buy farmers insurance if i do not fix my car ??? IS THIS FOR REAL ? ( because i did not make any claim on my insurance FARMER ) Is there any problem with an accident car ( Car title ,etc....) Is it legal in texas to drive a damaged car ? Will they report it to carfax ( i got police report) ..... So that is my case,with your experience Please give me anything that you know about my case, is there any problem with it, does anything will happen in the future Thanks all so much , please help!""
Which make of cars are cheap to insure?
I'm planning on getting a new car but which car manufacturers make cars that are cheap on insurance? It seems Honda is on the higher side, but I was looking at Mitsubishi and theirs seems pretty low, and Mitsu is the one I was going to go with to begin with. Any suggestions? Assume it's just a normal non-sports car.""
How can I get life insurance on my parents?
I'm 27 and my dad is having his 6th child this month. Which means by the time my little sister is my age I'll be near elderly. Furthermore, as we picked up the cake for the baby shower, my dad informed me that since it's quite likely he may be gone before the child fully matures, I will be left in charge in his absence. Is there anyway to get life insurance for my dad without his consent. I don't mind informing him, but it's something I would like to manage alone.""
Health insurance/medi-cal options for independent full time university students?
Are there insurance options for independent university students? Prior to my 18th birthday I was part of a Kin-Gap program. I remember I received a letter saying I should go on ca.gov to see what benefits I can receive but I'm having a hard time navigating through it.
Why is it that car insurance is Mandatory ?
why is it that if you crash you just can't pay for the damage and not have car insurance ?
Does anyone know of any affordable health insurance for the state Arkansas?
Does anyone know of any affordable health insurance for the state Arkansas?
How much would a Jeep Wrangler cost to insure compared to a Honda Civic?
How much would a 1990-1995 Jeep Wrangler cost to insure compared to a 2004 Honda Civic? It would only be liability insurance, and I live in South Jersey.""
Do i need insurance?
If my mom has geico insurance and im 15 and just got my permit do i need to be on her insurance. Insurance is requiered in oregon but i dont know if teens need it?
State auto insurance vs. state of registration?
I am currently working a temporary job away from home in another state not my permanent residence (I am living there for the term of the employment). While there I bought another vehicle and registered it in that state and when insuring it moved my other car to the policy not realizing this could cause a problem. Now on my first vehicle, which was registered in my home state, the home state has refused to renew the registration because it carries out of state insurance. However, I also don't own the first vehicle, it is owned by my parents who are a resident of my home state, I just use it and pay the insurance. So unless I am missing anything, It looks like I am basically going to be forced to register that vehicle in a state where I do not have residence or cancel my insurance policy and get insurance for only that vehicle through a provider in my home state. Is this it or are there other options? I'm confused because they let me renew last year even though I had the out of state insurance, but I had switched during that year so maybe they considered me part-time or something. I would like to avoid changing any state registrations for the time being, because this process is expensive and complicated between the two states in question. Someone told me the cheapest option might be to get a minimum liability policy on the car in my home state so they will give me registration, but I have never heard of that and I'm not sure if that is ok (having two insurance policies on the same vehicle)? I am not trying to play tricks or loophole anything here, I just want to figure out my options and get this done without costing me a lot of money or time.""
How high is insurance on a BMW?
I found a 1992 BMW 525i in good condition for $1400, how high would insurance be for a newer driver with discounts included?""
Where to get car insurance quote?
Where to get car insurance quote?
""I think I'm pregnant, how do I get Medicaid?""
I took a home pregnancy and it came out positive, two blue lines, one lighter than the other. I want to go to a doctor to confirm it. I dont have insurance but I think I will get Medicaid anyone know where do I go and how to get it ?""
How much is car insurance for 25 year old female?
How much is car insurance for 25 year old female?
Insurance on a ford fiesta 1.25 GHIA?
im 17 and will be having my full license at the very latest January the 1st just wondering the average price for cheapest cover, 5 door 1.25""
How much will insurance try to offer for a stolen 1985 El Camino.?
I had my camino stolen. Show quality, special interest car. How much will an adjuster generally offer since it cant be found in Kelly's Blue Book. Also, whats the process of getting more for it as Im almost positive they wont offer what the car was actually worth?""
Adjudicated speeding citation: what happens to insurance in Florida?
My parents handle my car insurance (Hartford). Go to college in Miami. Parents also live in Miami. Got my 1st speeding ticket (38 mph in a 30 mph zone), took the class, had the citation adjudicated/cleared. Would rather not have my parents find out. A) Will the insurance show my driving record or citation history to my parents? B) Does Florida law allow ANY charges to insurance after points have been cleared?""
A break in car insurance between my old and new car?
Hi, Tomorrow my current car insurance with my S reg corsa is due to expire at 12:00pm (Noon) now I have decided not to bother renewing this as tomorrow night I am going to buy a new car for which I have already put down a deposit. Now I have been told I cannot insure this new car now as I don't own it yet, but im worried that if my car insurance has a break in it then it will affect me - I currently have 2 years no claims and don't want to loose this - does anyone have any knowledge of what happens in the situation? Also with me not being able to insure the car until i own it, how do i go about getting the car back home from the showroom? Please helpppp""
Getting my license in April. Good cars w/ low insurance rates?
I like cars like the Scion tC, Mitsubishi Lancer, ect. Sports cars, but not super nice ones. I'm getting my license in April and will get a car shortly after. I want to get a car like the ones above, but I don't think my dad will want to pay a lot for insurance, but I don't want to get a Jeep, which is what he got my brother and sister since the insurance is low. What are some cars like these that also have good rates for insurance? Price range is any thing lower than $10k.
https://www.linkedin.com/pulse/how-much-insure-shockley-altagracia"
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How much is car insurance for teenagers or New drivers ?
"How much is car insurance for teenagers or New drivers ?
Hello, My father is planning on buying me a a car when I get job to pay for my own insurance. I was wondering how much car insurance would be for me. I am 16. How much would it be if I'm also on my parents plan ? You don't have to give the exact price, just a price range. . . And the car would be a regular nissan or economy car.
BEST ANSWER: Try this site where you can compare quotes: : http://averageinsurancecost.xyz/index.html?src=tumblr
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What makes car insurance cheaper for young drivers?
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I just got notice my insurance premiums jumped so I high I cannot pay them.?
I just got notice at work this morning that my insurance is going from 79.00 every two weeks to 179.00 and with my family which I have on my insurance went from 345.00 to 750.00 every weeks. I cannot afford this! I have no idea what to do. I only make 1700.00 a month. What can I do?
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Will my auto insurance rates go up if I broke someone else's left mirror?
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What would be a good, cheap to insure and reliable car for a 17 year old?""
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I was just in a car accident on Thursday. Its basically totalled my car. Two weeks before the accident, I just put $2345 into the transmission, $500 2 weeks before that, and another $500 about a month before that. Thats not to mention the $1000 I put in in 2006. It was a troubled car but with the transmission fixed, it should have been perfect. The other car hit me. I really was at no fault but the other car is a company car. The people driving don't own it. They also don't seem to be American Citizens. Here's my damage, Broken Axels, my tires leaning into the car dramatically, my tire is ripped, the driver door doesn't open, blinker is gone, just severely damage to the quarter panel, ETC I did have some injury, a seat belt burn, back and neck pain. What can I expect from the insurance company? Will they take into account the recent expensive work done on the car? Any ideas? A guess? I had a 99' Hyundai Elantra - now I have scrap metal.""
How much is car insurance for teenagers or New drivers ?
Hello, My father is planning on buying me a a car when I get job to pay for my own insurance. I was wondering how much car insurance would be for me. I am 16. How much would it be if I'm also on my parents plan ? You don't have to give the exact price, just a price range. . . And the car would be a regular nissan or economy car.
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I have had life insurance for a year now, which gives me a discount on my car insurance. When I am 21, my car insurance rates may go down and I may not need the life insurance discount from State Farm any more. Will I get the money that I have put into the life insurance back?""
Car Insurance for Teenage Boy?
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Where is the cheapest place to get car insurance for a 17 year old male?
Where is the cheapest place to get car insurance for a 17 year old male?
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How much would it cost for a 17 year old, with no tickets and had never gotten into a wreak, to be covered on a 2007 mustang roush?""
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Car insurance for car hire?
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That sounds weird, but with all the stupid laws out there, I thought I would ask because im facing this situation. I live in Washington state. My brother in law lives with us with my sister, and he recently got fired from his job. He pays no insurance, has no contracts with us, but lives here and uses my address as his own. He was talking about letting his car insurance go because he was no money. If this happens, and he gets in a wreck, can the person whom he hit come after my property? Or is my brother in law just screwed if that happens?""
How can I get a fair replacement cost by the auto insurance company when my car is totaled?
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How much will my insurance cost?
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How much is car insurance for teenagers or New drivers ?
Hello, My father is planning on buying me a a car when I get job to pay for my own insurance. I was wondering how much car insurance would be for me. I am 16. How much would it be if I'm also on my parents plan ? You don't have to give the exact price, just a price range. . . And the car would be a regular nissan or economy car.
Will my car insurance rate go up because of this freak accident?
I was backing out of a parking lot and I hit a van coming up. Considering the fact that the parking lot was nearly empty neither one of us saw each other coming. I did pull off pretty fast but not too fast. Their was no damage to my car, but he had a small dent on the side of his nothing major. We called the police cause he was older and felt safer doing that. The police said nothing will go on our records, but didn't say whose at fault. So we just exchanged insurance info. Does this mean nothing will happen, or will my mom go crazy when she finds out? How much of an increase would this cause her insurance to go up? What are the circumstances that this might cause an extreme insurance hike for a 19 year old?""
How to get proof of financial responsibility?
I'm 21 a year old university student from California and I am graduating soon. I have always put off getting a license before college and once it started, I have been busy but because I want to get a job after graduating I really need my license pronto! My parents back home already taught me how to drive but I'm signing up for a driving school in my area just to practice and get the local roads down. I made an appointment for behind the wheel test next week and one of the things I need to bring is proof of financial responsibility. I know it's not insurance because I need a license to get that so how do I get it? I'm also probably going to borrow my friend's car for the test.""
Insurance for first cars?
When I'm 18 an hopefully passed my test I want to get either a VW scirocco, a Peugeot RCZ or a Mazda mx5. But I've been told insurance companies will refuse to insure me because it's my first far so is this true or how much would it roughly cost Thanks""
Car insurance...oh my god?
hi, i just pass my driving test, my car (insurance group 7)....i search on confuse.com for third party car insurance is 4000 one year..although i'm 30 years old. is this ture? ...show more""
Any cheap motor insurance company for 19yr old?
19yrs old, licence since May '05, planning to buy a Fiat Seicento Sporting (grp. 3), Bradford postcode. I know insurance below the tonne is hard to come by in my circumstances, but any help/suggestions would be be appreciated. Thanks in advance.""
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.""
Is insurance for a motorcycle alot?
I want to get a motorcycle because it is more convenient for me and its looks fun. But I heard insurance is alot? I am 19 I live in California and I have a drivers licensce. I am going to take the motorcycle class that I think is required. Will I get any discounts for any of these factors? Thank you guys
Why did health insurance prices double in the last 5 years and not car insurance?
family health insurance plans went from 9,000/yr to 18,000/yr during Bush's administration. Health insurance is quickly becoming the average American's #1 cost, soon to exceed rent.""
How auto insurance determine how much your car worth after claim?
I had a 1998 Subaru Forester S sport utility 132,000 miles and it was totaled. I read some places and people say that insurance don't follow the Kelley blue book and some say they do. Others say they go by autotrader.com or nada.com. Why is that? are they trying to trick us by which value is lower? My insurance offered me only $3200 but it know it worth more than that. Vehix.com say it value at 3900 and kelly blue book say about 4300 so which is right?""
Premium return life insurance?
What is the big bennefit of premium return life insurance policies?
What is the cheapest car to insure?
What is the cheapest, cheapest car to insure for a 17 year old in the UK. Cheers.""
How much does liability insurance cost? How much coverage do I need?
I am planning a day camp this august. I know I need to purchase liability insurance just in case, but how much do I need? There will be a maximum of 140 girls, 55 leaders, and 30 younger siblings (of leaders), (thats 225 people). The minumum would be roughly 50 girls, 25 leaders, and 10 siblings... I just need a guestimate as I am working on the budget and am trying to figure out how much to charge the attendees.Also, how much coverage do I need?""
Does Wal-Mart have better and cheaper insurance than Obamacare?
http://www.examiner.com/article/washington-examiner-walmart-s-health-plans-are-better-than-obamacare On Jan. 7, 2013, The Washington Examiner released the results of an investigation finding Walmart's employee health insurance is significantly better than Obamacare. Walmart has come under mega union labor union criticism as a retailer whose employees are both underpaid and mistreated. Like many insurance plans which have been canceled as a result of Obamacare benefit regulations, Walmart's health insurance has been called substandard. However after an in-depth comparison, the watch dog team of the Washington Examiner discovered employees of Walmart receive a better bang for the buck than Obamacare. In comparison to Obama care, it was discovered that Walmart plans were a whopping five to nine times less expensive. Full-service individual coverage in a Walmart HRA plan is available through a Blue Cross Blue Shield preferred provider organization for as little as $40 a month while family coverage averages $160 a month.""
The cheapest car insurance for first time drivers?
looking to get my own car soon and trying to my license I am 24 yrs old and just starting to figure stuff out for myself and wanted to know whats the cheapest car insurance
Is car insurance a waste of money?
I need to get car insurance but I feel like its a waste of money. I am going to pay them monthly and if I happen to get into an accident I will still have to pay them something. I figure that if I can take the money I am going to pay them and put it aside for an emergency it would be a better use of money. Can anyone give me any advice on what I can do? Any liability insurance that really cheap, speaking around 100 a month maybe? lol""
Car insurance question?
I just got a 94 Buick Park avenue a few weeks ago. I'm 17 and getting my license (hopefully) on the 25th of this month. I have a question about the insurance. Our company is Amica. I've gotten a quote recently from my dad talking to them. He told me today that after two cars are insured the third one is automatically listing me as the primary driver. I'd like to be able to be the 'secondary driver' to save money...anyone know if this is possible with this company?
Do i need insurance if i have drivers permit?
i got my permit yesterday but my parents wont let me drive until i get insurance. my moms car is insured. the insurance is 1000 dollars and thats how much i have in my savings account and if i spend it all i'll be broke. im 18 and still in high school and im looking for a job i applied but no one is hiring me and its frustrating!! im gonna waste all that money i did save on some stupid insurance??? ?????
Which insurance company?
I am 17 year old male in the UK. I have a Citroen Saxo 1.1L 3 door 2000 car. I bought the car for 800. It is not modified in any way and it is in a secure garage every night. Having my dad as the policyholder is not beneficial because although he has been driving for over 30 years, he has always had a company car and has never owned, and therefore never had insurance. I have looked everywhere for insurance and the cheapest is 3500, most quotes are over 4000 and around a third of the results are over 10000. This is 3rd part F+T and using sites such as Confused, Compare the Market etc. I also tried getting quotes direct from the company and it's no cheaper. If anything it's more expensive. Which companies should I try, and has anyone else been getting ridiculous quotes like this?""
Is It Cheaper To Buy Auto Insurance Online?
I have been looking for auto insurance and i have been getting quotes online. I see some pretty good prices. Some places i get a different price online but when i go into the office to talk in person i get a higher amount then what i saw online. Should i just buy car insurance online? Is it better to buy online?
Do you have to pay car insurance when you lease a car?
if you aren't driving a car(i live in canada) but you're leasing it. do you have to pay for car insurance as soon as you buy the car? or can you start whenever?
Medical insurance question?
Okay do you need to be a legal guardian to put a kid in your medical insurance plan? Please don't ask why(: oh and a kid that is not on a plan already.
In California what is traffic school for? Will my insurance still increase?
I am 19 and got a speeding ticket 85 in a 65 this is my FIRST ticket. I take full responsibility and am ready to accept my consequences. I am not one to drive like that but I was late that day. I know there is no excuse. Soon I am getting my own insurance under my own name. If I take traffic school besides not getting a point on my license will this also prevent insurance increases. If I go to get my insurance will this ticket affect me even though I took traffic school? I live in California and this is my first ticket I am 19 and male.
Car insruacne quote?
im gonna book car insurance with diamond if the annual amount of my quote on their website says 353.95 i worked it out to be 29.50 per month, its says if i want to pay monthly i need to phone. i want to pay monthly, will it be just that amount per month, or will they try and add stuff on? also will they take payment instantly or only on the direct debit date? help""
Question about health insurance?
I went to the ER in late May and I recently got promoted so I applied for health insurance. However, my health insurance does not go into effect til July. I was told by the hospital that I will be billed in about 2 -3 months. Is there anyway I can use my insurance for the bill or will I have to pay out of pocket?""
First time Insurance Buyer!?
My parents recently told me that I have to pay for my own insurance (Damn economy). I would be driving a 2005 Chevrolet Suburban and a 2004ish Suzuki Sedan. Sorry I don't know the makes and my parents don't want to tell me because they are afraid I am giving away their emails to all of the insurance companies. I am 16 years old, and have a 3.3 GPA. I noticed another answer somebody said attach to the parents. My mom was rear-ended and has 1 moving violation, my dad has been accident/ticket free for 40 years, if that makes a difference at all.""
How much is car insurance for teenagers or New drivers ?
Hello, My father is planning on buying me a a car when I get job to pay for my own insurance. I was wondering how much car insurance would be for me. I am 16. How much would it be if I'm also on my parents plan ? You don't have to give the exact price, just a price range. . . And the car would be a regular nissan or economy car.
What is the best insurance for a new driver?
Im 18 and just got my license in october 2013. I bought a 1992 honda civic and I dont know what insurance is best for me. What do you guys suggest? I live in orange county, if that helps haha thanks!""
Buying a used car and purchasing a car insurance in Tucson?
Hi. Im going to study in tucson for the next 2 years as an international student. I want to buy a car, and I am looking for a place that would be known to sell used cars at a fair price (I am not looking for something more than 7-8000). It would also be nice it those car would come with a warranty. Do you know good places for that? Also if you can advice me with car insurance that would be nice. Thank you a lot!""
Free or inexpensive health care?
I dont qualify for medicaid and my job doesnt offer insurance...where can i get some good coverage for cheap?
Where can I Find Reliable Cheap Life Insurance Quotes?
I recently started a home internet based business. When I was just starting out I went without insurance for a while. Now that things are going well I would like to buy a life insurance policy. There are a ton of life insurance sites, but most of them seem biased or focused on an individual provider. Where can I find a good life insurance quote site that is unbiased or gives me quotes from a wide array of services? Also, are there any good tips for saving money buying life insurance for small business owners?""
""Can i make a car insurance in my name, if my girlfriend owns the car?""
I had some problems with DVLA some time ago becose i didn t SORN a car in time. Now i want to buy a car and make the papers on my girlfriend name becose of that...she dosen t have a driving license and the car is for me, so i want to make the insurance in my name....is that possible, will the insurance coste more becose i m not the owner??""
Health insurance ?????????????????
whats a good health insurance for me, and i don't have allot of money, i could go to the county health insurance and get it for free, since I'm working full time and i am a student starting in the fall, i need help""
How much are you paying for your kids car insurance?
Recently, I brought my daughter a 2002 Camaro v6 for 7,800 with taxes included. I pay 127 dollars a month for insurance. She is about to be 16 and able to drive on her own. She is very responsible, gets great grades and has very few friends. How much do you pay for your child's insurance? I heard that buying them a sports car would make the insurance go very high but that hasn't been the case.""
""Car Insurance coverage, will my insurance provider cover sun damage paint?""
I own a honda pilot suv, I have full coverage insurance on this vehicle. My pilot has bad sun damaged paint I live in a salty dessert area. I wanted to know if my insurance company ...show more""
How much would insurance for a 17yr old cost?
the car is a cts-v coupe. I need to know if i can afford the insurance b4 buying for my son. -thanks
How come I went on geico for an insurance quote and it said 2000 and people say their's is 75 bucks per year?
Im 18, NY, Kawasaki ZZR600, taken riders safety course, any way to lower my insurance?""
Wanna get the cheapest auto insurance?
Wanna get the cheapest auto insurance?
What would the cost of insurance be for a 16 year old driving a 1994 3000GT Mitsubishi?
What would the cost of insurance be for a 16 year old driving a 1994 3000GT Mitsubishi?
Insurance company messing me around!?
I had my car vandalised and have rang my insurance company. They said my car is written off although the paint and the back screen was only damaged. I was told my car value is only 800 and the excess is 600. Which i did not agree to, last week we came to an agreement of 1,100 for the car and 300 excess I rang yesterday to confirm that my cheque is on the way and they said 650. That they made a mistake about my excess is there anything I can do??? Im completely stuck. Ive been fully comp for the last 3 years and never claimed or never had an accident. But due to two ball less boys im stuck without a car and being pushed around like a doll. Please help!!!""
Why the health insurance are different than car insurance?
I mean insurance is protection and give you money when you got into situation that cause loss or expenses. But why car insurance are less picky and more willing to give money to pay out than health insurance? Why more rules and more restriction and more reject the coverage with health than car? I mean I understand insurance is business and for profit so they has to refuse the claims if loop hole. But it shouldn't be any different on health or car coverage.
How much insurance cost for 350z?
how much does it cost for insurance on a 350z for a 19yr old guy clean driving record in Texas?
Where can i find the cheapest insurance quote for a 95 Dodge neon?
I pay 140$ a month at dairy land Proggresive, I have about 10 points on my liscense, and when are my liscence points deleted from my insurance""
What's the criteria on whether or not car insurance is high?
I'm 17, looking for my first car, and I want something that won't cost my parents a fortune on car insurance. But how can I tell if insurance is going to be high? Would 2003 Acura RSX give high insurance? I've completed a Drivers Education course too, if that counts for anything?""
""My husband and I are self employed, he is in heart faiure, our insurance premiums were 800 month, now doubled?""
Our insurance premiums have doubled in fourteen months. This is the cost of my husbands insurance premium only. I have had to go with another insurance company. How can you force me to pay these premiums. It is literally causing us to go broke. I live in Texas and have found a high risk insurance pool that is still 1100 a month, and does not cover as much. How are you going to help people like us?????""
How can i claim for a new alternator under insurance- it cost me 400?
I am selling my car, and I would like to get some cash from my insurance policy. I just had a new alternator fitted 2 weeks ago- any ideas??""
How much should i settle my auto injury claim for? please someone help me out!?
i was in a wreck as a passenger and both cars totaled. other driver complete a fault. coming up on 2 yrs nov this year and med expenses 12,000. i have no health ins. so i paid all out of pocket and can't continue treatment in phsical therapy right now. bills come first like rent. insurance company never made an offer, what should i do? i really don't want a lawyer, spoke to a few and they're all money obsessed understandably. it's their job. please leave opinions or help me out. thanks.""
Would my car insurance cancel my policy?
Would they cancel my car insurance if I got into an accident and I'm in fault? I have full coverage and collision. I recently got into a car accident and I'm scared that they will cancel my policy.
How much is ur car insurence a month?
im 16 and im not getting my car till 17 or 18 and i need to know how much money insurance is a month. i just need an estimate. Thanks
When do insurance rates on your vehicle go down?
I'm 22. In my 5 years of driving, I have NEVER been in an accident and have never gotten a ticket. My parents are paying around $60 a month whereas I'm still paying $117. I don't drive a fancy car neither. Just an older 2004 Camry. Is it because of my age bracket is why my insurance still hasn't lowered any? I'm with Allstate and in California if that matters.""
Health Insurance - too expensive - should I ditch it and will it get cheaper in 2014?
So I got health insurance about 6 months ago - BCBS. As a 38-yr-old female with a BMI that is(was) borderline obesity, I pay $278 per month (about twice the original quote on the website which was about $140.) I freelance. One of my jobs collects contributions from my employers into an account that I can use to reimburse my premium payments, and I was hoping that I'd be able to make enough to use that account to really pay toward my monthly health insurance. My financial situation has plummeted, however, and I am really struggling to keep my head above water for the first time since I moved out. Just looking for some outside input here. Should I ditch my health insurance? Will the options be more manageable for me in 2014?""
""How much would a $1,000,000 liability insurance policy cost?
I'm planning events at several different venues and this is required. Each event is 4 hours.
How much is car insurance for teenagers or New drivers ?
Hello, My father is planning on buying me a a car when I get job to pay for my own insurance. I was wondering how much car insurance would be for me. I am 16. How much would it be if I'm also on my parents plan ? You don't have to give the exact price, just a price range. . . And the car would be a regular nissan or economy car.
https://www.linkedin.com/pulse/where-cheapest-van-insurance-available-marshall-winkle"
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