#instead i have to spend $350 getting someone to do my taxes

[bookhobbit]

I keep thinking "it's so unlucky that I have to extend my spousal visa and do US taxes in the same year" as if I'm not going to have to do US taxes every year for the rest of my LIFE no matter where I live unless I renounce my citizenship. Nonsense country.

[duchessofostergotlands]

I rebloged the links, thanks in advance ☺️

No worries! So I’ll do my best to summarise what they’re saying but let me know if you have any other questions:

https://www.express.co.uk/news/royal/1335635/Queen-Elizabeth-II-fortune-royal-family-money-prince-charles-farms/amp

This guy is writing a book about the true cost of the Queen and her wealth. He says that a lot of the wealth people attribute to her are wrong because they include things like Buckingham Palace which she doesn’t own. He estimates her wealth at £400 mill.

One of the private properties they do own is Sandringham. That has historically always lost money but HM and Philip pulled it around. They basically divided the land up differently so there were less farmers with more land which meant they could make more money from them (I assume as they can produce more efficiently with lots of land but I don’t know much about farming!)

They also receive money from the EU through the Common Agricultual Policy (this is sending me back to school, I found this so confusing back then haha). It’s basically a programme to subsidise farming in the EU to ensure that farmers across the Union can produce enough to meet food demand. The EU give money and the U.K. hands it out to farmers depending on different criteria which I won’t get in to but basically the Queen’s farming is supported by EU funding which I didn’t know

It then talks about how some of her private assets are organised. She has set up trusts which is a more beneficial system in terms of taxation and inheritance. The trusts are not led by her personally so she doesn’t make decisions but she receives the money

And finally it talks about government plans over the years to turn BP into a government office, to turn Windsor into a permanent museum, and basically to kick her out but they decided it wasn’t worth it financially

https://www.express.co.uk/news/royal/1336268/Prince-Charles-spending-royal-family-funding-margaret-Thatcher/amp

This one is basically just all the things I say all the time so it’s a vindication haha

So back in the day the royals owned a lot of land - the Crown Estate- that was used to fund the running of the country. Over time they kept handing out land and losing money because no one ever thought it might be a bad idea to hand the country’s finances to someone based on their parentage and not their knowledge of money! So in order to basically have an easier life, the monarch agreed the government can have the revenue from the Crown Estate and take over the burden of financing the country while the monarch gets an allowance which is equivalent to a percentage of the Crown Estate revenue and they just have to worry about funding their own work. This has been carried on for centuries now. The Crown Estate now makes around £350 mill a year and the Queen gets the equivalent of about 15% (normally)

According to this story, Charles in the 1980s suggested to the government he might break the tradition and not agree to the government getting the Crown Estate funds. Instead they would go to him and he wouldn’t accept the allowance. Essentially it would go back to how it had been before. This was shot down for three reasons:

It would reveal the real cost of the monarchy. The royals aren’t stupid, they deliberately take money from different pots and keep some of those pots secret so that they can seem cheaper. So the royals say to everyone “we get £35 million from the government, look how cheap we are.” But they actually have way more costs that aren’t factored in: security, away days, ceremonial events etc. These don’t come from the main government funding so they just ignore them. The government pointed out that right now the royals can say they cost £35 million and the rest can be hidden away but if the monarch took on the Crown Estate and paid for everything themselves again, the government can’t hide the other pots of money so financial reports would show that they really cost about ten times more than they say they do and would lead to a massive outcry. Think of it like looking for a place to live. The advert says the flat is £500 a month and you think that’s great. But it doesn’t factor in bills, council tax etc. If the person advertises it including all those costs it could end up being £700 a month instead!

The Crown Estate has never at any point been intended for the monarch to use to fund their personal life alone. Back when it was still run by the monarch, it was used to fund the running of the country as well as the monarchy so if Charles got it back it would be expected it would go back to that process. Just running the government costs us over £500 million a year - over £200 million more than the Crown Estate brings in - so it would be impossible for Charles to use the Crown Estate to pay for both the royals and the government

It would be unconstitutional. This came up a lot with conversations around Harry and Meghan but if you have a monarchy like the BRF they have to be funded by the taxpayer because otherwise they can pretty much do whatever they want and arguably the public couldn’t get rid of them. By making the taxpayer the one who funds them, it makes them accountable to us. Without that there’s much more risk of them abusing the position

It then explains how many people still think the Queen gets her money directly from the Crown Estate when she doesn’t. It’s taxpayer money but the amount is based on a percentage of the revenue of the Crown Estate

[nigeiadigitalmarketingcompany]

Why I Hate Houses

Digital Elixir Why I Hate Houses

I have had, up till now, the good fortune to live in apartments, ranging by urban standards from nice to really very nice. I now live in a house that most would likely consider to be somewhat better than mere “nice”. It’s on a ridge, with nearly a full acre plot, in quiet tree-filled neighborhood with reasonable amenities all a short driving distance away, including a well-kitted out gym and quite a few good restaurants. Bonus points for it being only 15 minutes from the airport. Nearly all the routes take you past other pleasant-looking-to-glam houses, or the country club, or the golf course, or twee shopping areas.

I’ve discovered that I hate the house part of this equation, as in dealing with the day-to-day time demands of home ownership. I find it stressful and unrewarding. And it’s made worse in my case by finding that this house has a lot that needs to be addressed pretty soon, to the degree that that plus moving-related tasks (like plenty of boxes yet to be unpacked) is cutting into my blogging time.

There are bona fide reasons to have problems with this way of living, namely the environmental cost. Free-standing buildings take more energy to heat and cool than multi-unit structures. Car ownership is pretty much unavoidable, since even in those few suburbs with decent public transport, it’s designed for going in and of the city center (as in for commuting), not for provisioning, transporting kids, or running other errands. And if you decide to fit in, as a recent post pointed out, “Lawns, in general, are pretty much the enemy for healthy insect habitats.” And don’t get me started on leaf blowers.

Now I could pretend to not like houses out of reasons of conscience, or a preference for living in high-density areas (which I do have). But my big reason for not liking houses is the inefficiency and time sink of maintaining them.

There’s a reason that biggest-single-family-home owner in the US, Blackstone’s Invitation Homes, is widely regarded as an upscale slumlord by virtue of not doing adequate maintenance on its properties and even failing to deal promptly with problems that will clearly damage the house, like leaks. Keeping up free-standing homes doesn’t scale. And that imposes a big tax on the time of owners.

Think about it. As a tenant or owner in a condo or co-op, the building is responsible for taking care of the public spaces, the heating, plumbing, and electrical systems, and sometimes even cleaning the outside windows. Maybe you have to provide your own air conditioner. Maybe you make a lot of improvements and some of them don’t work so well (like using a stylish bar sink in a bathroom and having to regularly have it snaked because the drain pipe is a bit narrow). But the general point is if Something Happens or Something Needs To Be Done, you can call a superintendent who knows the conditions in your unit and either is required to fix the problem or can refer you to someone (“the building’s electrician”) who may not necessarily be the cheapest or the best, but is probably fairly priced (to get repeat business from the tenants in that building) and actually can be efficient in how he goes about his work because he knows the conditions in that apartment complex.

The fact that a building manager is responsible for core systems and has incentives to minimize costs over a long-term horizon means (unless they are stupid property owners or self-conscious slumlord types), they’ll do at least an adequate job of maintenance.

By contrast, as an individual homeowner, unless you are the sort that likes carpentry or plumbing or other stereotypically manly tinkering, maintenance is a time and cost sink. My brief experience is it is far more frustrating trying to deal with various home upkeep pros, first because there seem to be so many to deal with, and unless you have a service under contract, they are usually dealing with the particular conditions at your site afresh. That is less efficient from a macro perspective (more one-off or somewhat customized work), plus it can also leave the homeowner wondering whether the service professional was giving you the straight scoop (did you really need that mini-rewiring job, or was he taking advantage of the fact that you couldn’t determine that all you needed was a new socket?)

The individual homeowner also has greater incentives to defer maintenance because upkeep is a nuisance and entails outlays.

I am more acutely aware of this than I’d like to be because I am having to deal with a maintenance backlog, including replacing rotten wood under the gutters, investigating electrical issues, having two stoves that only kinda-sorta work fixed (they broil but won’t bake at higher than 350 degrees), getting the carpets cleaned, and fixing a sink and counter ruined by a home health care aide (the last also ruined my day).1 And there are other reminders of what as an former urbanite feels like excess….like the necessity of having a yardman.

I imagine many of you detest apartments for good reasons: you lived in one or more as a young person and they were cramped and noisy. From what I saw in Manhattan, the stock of rental apartments was markedly inferior to the ones for purchase, and in most cities, you have more rented than owned units, meaning most of what is out there is skanky. But that is a function of how we do housing in the US, and not of the inherent merits of apartments. It’s perfectly possible to have more generously proportioned apartments with decent height ceilings and heavy enough walls so as not to hear your neighbor’s music. It’s also possible to have very clever designs. I was struck, for instance, with how much good layout mattered when I became a volcano refugee in London and a planned two-day stay with Richard Smith turned out to be a twelve day visit. He lived in an 800 square foot apartment in the Barbican. Yet even though his wife was also there a fair bit of time, it never felt crowded even when all three of us were there.

Now I am sure many of you have defenses for owning homes, such as:

Kids needing a yard. Maybe, but that is a less compelling argument than when I was a child and kids were allowed to have unstructured time playing with other kids nearby. With children now shuttled to and from school and to their activities and play dates, yards seem way less useful

Gardening. There are urban gardens and we could have more of them, but for some reason, this practice hasn’t taken hold in America.

Necessity. Where you work doesn’t have decent apartment stock.

Fear of or distaste for urban living.

Wanting to be close to the countryside. A strong reason if you love the activities like hiking and water sports.

Nevertheless, I encourage you to think hard about the time cost of your house, if you have a free-standing house, and how much more leisure time you could spend on your favorite activities if you didn’t have the millstone of property maintenance. Unless, of course, you are rich enough to have staff to do this sort of thing for you.

____

1 This is what happens when you have people in the house and you can’t watch them all day, particularly since you also aren’t supposed to, as in they should stick to their job duties and not play amateur professional.

One of the bathroom sinks was draining slowly. The home health care aide came back from the grocery store with a bottle of Drain-O. I told her not to use it, the pipes in the house are old and we already had one serious problem with them. I had her boil a big pot of water and pour it down the sink. She did that twice and the drain seemed fine after that. I noticed nothing amiss with the drain the next AM when I turned in late.

When I got back up (mid PM, so the home health care aide was on a new day), I went into the bathroom and saw the sink about 1/3 full of black, and I mean black, water. I stupidly stuck my hand in to see if there was an obstruction and got burned. I then went and got paper towels to sop up the water and put the wet paper towels in a steel pot.

The water was so caustic that it stained the steel. It had also stained the sink, which was beige resin and part of the bathroom counter (as in it had been fabricated as a single unit). The grey marks were bad enough that I thought it needed to be replaced, although one could make a case for living with the eyesore.

The home health care aide was out taking my mother to get her hair done and pick up lunch. I was ripshit and assumed the home health care aide had used the Drain-O contrary to my instructions (she’d been muttering about putting some in the sink after the boiling water treatment despite that having looked like a success). I was also dumbfounded that she’d left the black water in the sink to corrode it. I called the service to complain.

The home health care aide got back much later than usual. I suspect she was trying to avoid me and having my mother see the damage she had done. I chewed her out. She said she hadn’t used Drain-O and found the bottle to show me it was full.

She had instead gone to the Dollar Store and gotten….drumroll… a sink plunger.

In all my years of living in different apartments and more than occasionally having stopped up the drain, no super every used anything like a plunger on a sink or bathtub. They always snaked them out. This sink, had the health care aide bothered to look, had the classic S-curve pipes underneath. No way would this itty bitty shallow plunger be able to create enough pressure to move an obstruction through that curve. I could not believe what an obviously bad idea this was, compounded by the fact that “plumbing” was not part of her job spec.

It gets worse.

The home health care aide disappeared (she does that an awful lot) and then came back and reported she’d used “Lysol towels” on the sink, as if that had reduced the grey stains. I started to think that maybe this wasn’t as bad a train wreck as I’d thought.

I went back shortly thereafter, which was also after she’d left, and found the sink again 1/3 full of black water. I nearly hit the ceiling. This was not the result of it backing up but her running the water from the tap and doing God knows what else (pouring Lysol down the sink, perhaps?)

I again sopped up the water. The sink was now extensively and badly stained. It has to be replaced. And the plumber is coming in four and a half hours, so I am sure to be cranky and sleep deprived.

But I had to go back to the service and withdraw my complaint because my mother had given a go-ahead to this bad idea. And that means we’ll have to eat the likely $1000+ cost of a fix, which would also never match the rest of the bathroom well. Plus finding the contractor and working through the choices would fall on me, when I don’t have time for distractions like that. And on top of that, this was the best home health care aide my mother had gotten from the service (despite her tendency to disappear way too often, she at least would clean the kitchen and bathrooms well). I can guarantee she’s going to do something like this again (she falls in the category of “stupid and industrious” which in the schema attributed to German General Kurt von Hammerstein-Equord is dangerous). That means we’ll need to get rid of her. That likely means the service will get rid of us (they already regard us as unreasonably demanding by virtue of expecting health care aides to do more than sit next to my mother when the service advertises that they will run errands and do light housekeeping and cooking), which will create another round of stress and time sinks. Welcome to the joys of home maintenance.

Why I Hate Houses

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[annaddendy-blog]

This Woman's Story Will Change the Way You Think About Public Assistance

I had a kid… once.

Her name was Averi. She looked like my daughter, but she was my niece.

My sister was unable to care for Averi. It came down to me or foster care. I decided my life was no more important than hers, so the Florida Department of Children and Families (DCF) granted me temporary custody. At 27, I was suddenly responsible for keeping a 4-year-old alive.

Most parents get months to prepare; I had less than a week.

I made $360 a week, about $18,500 a year. Now, I had to squeeze caring for a child - day care, food, clothes and all those unexpected expenses - out of an already razor-thin budget.

On top of that, I was consumed by grief from losing my own mother that same year.

I kept telling myself I could do this. After all, it was only supposed to be for two months.

My First Days in the Single-Mom Hustle

My first days as a stand-in mommy presented more questions than my sleep-deprived brain was prepared for: Who was going to watch her while I work? How the hell was I going to afford this?

Luckily, there was a voluntary prekindergarten, or VPK, and day care two blocks from my apartment, and they graciously let me bring Averi by the same evening I picked her up from the DCF.

Averi curiously roamed about the classroom as I quietly explained the situation to the teachers and administrators.

Back in my apartment, we settled into our first night together.

I rolled out an air mattress on the floor of my bedroom. She was required to have her own bed, and an air mattress was the fastest and cheapest solution.

The first day I dropped her off at day care was emotionally taxing for both of us. I cried the entire drive to work.

And once I got there, I could barely focus. I kept thinking through this new set of obligations, commitments and sacrifices I was only beginning to unravel. My mind raced through checklists, appointments and my shoddy finances.

I knew my salary was no match for the expenses of child care. I lived paycheck to paycheck as it was.

Rebekah, my roommate and childhood friend, shouldered the circumstance alongside me. We split rent and utilities, which lowered my core costs considerably. But my credit card debt had nearly doubled since my mom's death.

My approximate monthly expenses were:

Rent payment: $375

Car payment: $350

Electric bill: $75

Internet and cable: $65

Car insurance: $115

Cell phone: $75

Gas: $40

Credit card: $200

Groceries: $150

Total monthly expenses: $1,445.

My average monthly income: $1,440.

Adding in the cost of caring for Averi took me to a new level of financial anxiety. Trying to map out an impossible budget only made it worse.

It started to suffocate me.

The Maze of Applying for Public Assistance

During my first home visit with Averi's social worker, I reluctantly shared my concerns. I was so scared of losing her to the system.

The social worker urged me to apply for public assistance, which I hadn't even considered. I had never seen myself ever needing it. But I had to do something.

Asking for help wasn't in my familial toolbox. My parents always struggled financially, but they rarely ever asked for help. So not taking “charity” was in my blood - from gifts to handouts, I always paid my way even if it secretly broke me.

But I cared more about Averi's well-being than my dignity. It was too real. I needed the help. Any help.

I had no idea where to begin, so the social worker provided me with a list of all the programs I was eligible for. I dove in headfirst.

I swallowed my pride and signed my name on all the dotted lines I could. Applying for government assistance at 27 years old was my new reality.

School Readiness

The first program that came through was Florida's School Readiness financial assistance program.

It subsidized the weekly day care costs, so I could continue working without spending most of my salary on child care, like so many parents are forced to do.

After a $125 deposit, I paid $9.20 a week for Averi's day care.

She attended VPK in the morning and an after-school program within the same building after. I had to pick her up by 6 p.m. every day, or else face a non-subsidized, minute-by-minute late fee.

Temporary Cash Assistance

Initially, my circumstance made me eligible for temporary cash assistance (TCA), a $180 monthly stipend designed to help struggling families with minors.

The benefits help keep children in their own homes, or in the home of a blood relative, instead of foster care.

I received an Access debit card, the same card people use for food stamps. (The Supplemental Nutrition Assistance Program (SNAP) wasn't born yet.)

The card was automatically loaded with $180 each month. I could use it anywhere that accepted electronic benefit transfer (EBT) payments.

Suddenly, I was that person scouting the exterior of stores for a “We Accept EBT” sign, or quietly asking the cashier if they accepted EBT cards, worried about being judged by other customers.

Eventually, DCF approved me for the Relative Caregiver program, and the $180 increased to $240 monthly.

Women, Infants and Children

Because of Averi's age, I was also eligible to receive assistance from the U.S. Department of Agriculture's supplemental nutrition program for Women, Infants and Children, WIC.

WIC provides assistance for low-income women with children under 5 years old. WIC serves 53% of all infants in the United States.  

Thankfully, my 32-hour-a-week job allowed some wiggle room for the sloth-like government waiting rooms. I spent a whole morning waiting.

Eventually, I walked out with a handful of food vouchers. They had date ranges and expirations and a list of specific items they could be exchanged for. How hard could it be?

The items on my monthly food allowance weren't exactly the nutritional foods I'd hoped for.  

But I had to face it: These were the times of white bread, cereal and canned beans. No more organic eggs and vegetables or soy milk, which I'd become accustomed to consuming before I became responsible for Averi.

The monthly allowance included a whopping $8 for fruits and vegetables. While I would have hoped for more, I was thankful for food in our mouths, regardless of the form it came in.

Averi loved bananas and green beans, so I would purchase those fresh, along with a bag of carrots or apples, whichever I could squeeze out of that voucher.  

I won't forget the first time I tried to use them at the register. I dreaded the whole experience, fearful of the disgusted eyes cast by other customers as they waited for me to shamefully get my government-issued rations.

I'd read the voucher over and over to be sure I followed the instructions perfectly to avoid any holdup at the register.

But at the checkout, the cashier informed me I'd made a mistake.

I'd picked up a 24-ounce loaf of bread when the voucher clearly stated I was only allowed the 20-ounce loaf. I was mortified. I couldn't leave Averi there while I ran back, so I put everything back in my basket, careful to avoid the gaze of the line forming behind me.

There it was on the shelf, the 20-ounce loaf of bread with the letters “WIC” plain as day on the price tag.

After that, I spent much more time at the grocery store than necessary, cross-referencing my vouchers so I could avoid any unwanted hubbub at the register.

Medicaid

Averi caught a cold the first week at day care, and then I caught it. I hadn't been sick in over a year, but my stressed immune system was no match for kid germs.

After that, it was pink eye.

Then Averi's repeated sinus infections, futile prescriptions and doctor visits led to a diagnosis of asthma. She was prescribed a nebulizer treatment three to four times a day.

She hopped and bopped around with the cough of a 50-year-old smoker. Eventually, her breathing improved a little, and she got off the nebulizer.

The symptoms kept creeping back, though, so we went to the pediatrician again. She got chest X-rays that determined she had pneumonia. She needed bed rest. That meant finding babysitters or missing work.

By the summer, we both contracted scabies from visiting the place my grandmother lived. The scratching saga continued for months. I wouldn't wish that itching on anyone.

I'm scared to think what may have happened to her if she didn't have Medicaid.

What Life as a Single Parent Was Like

After the first week, I was informed that the original two-month timeline would actually be six months.

To pass the time, I kept her busy.

I found plenty of free kid-friendly events happening around town. We went to community festivals, parks and free concerts.

Friends gave me free tickets to museums and local events like the Renaissance Festival. Averi thrived on all of the new experiences.

I registered her for a Busch Gardens preschool pass, offered free for children ages 5 and younger. I already had a monthly pass - with a $7 monthly rate I'd been grandfathered into - so we frequently visited the park for free entertainment.

When she outgrew her clothes, there was someone bringing me hand-me-downs so I didn't have to buy more. When I did, we went to thrift stores, making it a fun treasure hunt to pick out an outfit she loved.

You learn a lot about people when you fall between a rock and a hard place.

I'd come into work to find a handwritten note and AMC gift cards on my desk. Or a friend's mom would slide me $20 when I hugged her. My boyfriend would treat us to dinner, or his mother would make breakfast on a Sunday morning without asking for anything in return.

Many endured DCF-required background checks just to babysit her for a few hours so I could have a wink of sleep, or time to catch up on work or other obligations.

On Averi's fifth birthday, more than 40 people attended her party at Chuck E. Cheese.

At home, we danced around in all of the tissue paper from the gifts. The joy on Averi's face showed she didn't know about our struggle. She only knew the kindness of friends and family, which is exactly how I wanted it.

The network of support humbled me, and I allowed myself to lean into it.

That August, Averi started school. She received free lunches, and I made her breakfast at home. She adapted with ease, and I shouldered the expense of fundraisers, classroom activities and gifts for her classmate's birthday parties.

One night before bed, I saw the light bulb click in her eyes as the words to Dr. Seuss' “Marvin K. Mooney Will You Please Go Now!” started to make sense. She read every last one of them (except Zumble-Zay).

Sharing that milestone was priceless; I'll forever treasure the memory.

The Financial Toll of Being a Caregiver

Soon August rolled into September, and as the time toiled on, so did my financial problems.

While everyone thought I was due some karmic reward, I was busy maxing out my credit cards.

I knew I'd literally pay for it in the end, but I didn't care. My maternal instinct was to protect her at any cost.

The credit card companies started to lower my limits, because I was only making the minimum payments and overspending.

Overdraft fees on my checking account sent me to my Bank of America branch. I didn't mean to cry when I talked to the teller, but the flood came anyway. All I wanted was to reverse a $30 fee for going $2 over my balance.

It happened more than once. One bank associate began to know my face and my circumstance. His patience and benevolence will always be beyond me, as was his advice.

He told me about financial hardship programs that would allow me to close my credit cards and pay little to no interest.

By September, I started closing my credit cards. I knew this would kill my “age of credit history,” but it was the only way I could keep from drowning in debt, consolidate and lower my interest rates.

The Life I Chose for Averi

I was granted permanent guardianship of Averi that November.

I wanted to keep her as close to my chest as she'd become, but I knew deep down I couldn't continue to provide for her or afford our life together.

My older brother had recently moved back from out of state. We discussed the option of Averi living with him and what would serve her best long term.

On paper, I was single and broke. He had a wife and daughter and was financially stable.

We both knew living with him would be best for her, regardless of how it made my heart ache.

That Christmas came fast.

Between the donations set up by DCF and the continued generosity of family and friends, Averi wanted for nothing. Santa supplied maybe her best Christmas yet. Gifts towered over our 3-foot pink Christmas tree.

While she tore open presents, I snapped a ridiculous amount of photos, mentally preparing myself for the fact that our time, like 2010, was nearing an end.

I was coming to terms with letting go and the decision to give her a better life. A life not supported by the system. A life still with family and within an arm's reach of me.

A week shy of a full year together, I packed her stuff, swallowing back tears.

Her moving in with my brother was an easy sell. She adored her little cousin and wanted to have sleepovers with her every night. The only problem, she said, was that she would miss me.

As we piled her stuff into my brother's black Suburban, she hugged me tight and said, “I love you with all my heart, Aunt Stephanie.”

What My Year on Public Assistance Taught Me

My year of living on public assistance was eight years ago.

Averi now lives 2,000 miles away.

My brother took a job up north, so they moved a year after she left my care.

We've seen each other only a handful of times since; we stay in touch with handwritten letters.

It took me some time to readjust to life without her, both emotionally and financially.

I had plenty of credit card debt before Averi, but it nearly doubled after a year of unexpected child care. The public assistance support ended the moment she left me.

While I did receive a boost in my tax return for claiming her as a dependent, it barely made a dent.

It took me a few years to get serious about paying it off instead of wallowing. I felt like I'd made enough sacrifices that I just wanted to live without worrying about it.

Obviously, ignoring debt doesn't work. I couldn't escape the financial obligations lest I file for bankruptcy. That wasn't me, or who I wanted to be. I'd already danced with the public assistance system, and this time, I wanted to clear it for good. So I faced it.

I slayed that interest-laden beast with balance transfer credit cards and a personal loan to consolidate other outstanding debts.

I inched my way out of debt every year since, and as of August 2018, I'm finally debt-free - aside from a car payment - for the first time in 16 years.

My credit score rebounded, but I had to learn some costly lessons.

I'm not embarrassed to admit that public assistance helped me through the hardest year of my life.

My experience with social workers, courts and public assistance offices made me realize how many kids need our help. Those insights led me to seek out opportunities locally.

I learned that while it isn't easy, asking for help is OK; people love you and want to help you.

And one day, you might even have the chance to help them.

Stephanie Bolling is a staff writer at The Penny Hoarder. She'd love to talk to you about your experience on public assistance.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.

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[jack-fact]

The Senate’s Obamacare “Repeal”

Friends, countrymen, lend me your ears! The Senate’s replacement bill for Obamacare is going to kill tens of thousands of poor children and the elderly! Wait, no, it’s going to keep Obamacare’s crushing regulations and taxes in place and the government will complete its dictatorial takeover of our pocketbooks! Wait, no…

The truth is in the middle. It’s always in the middle. The Republican Party has made the promise to repeal the Patient Protection and Affordable Care Act, Barack Obama’s proudest accomplishment as President, a core campaign issue for the last seven years, and after seven years they have unified control of all three branches of government. Wait, then why are we talking about this? Well, it turns out that even members of the same party can have vastly different opinions on healthcare. I’ll elaborate.

First, I’ll go over the history so far for those who haven’t been paying attention so far. (Don’t worry, it’s ok, as long as you’re here now. Better late than never.) In March the House of Representatives, led by Speaker Paul Ryan (R-WI), released a bill called the American Health Care Act, or AHCA. The bill was received… poorly. I did a rundown of the bill’s contents and its tumultuous journey through the House two months ago, and I encourage you to read it if you haven’t yet. As I describe the Senate bill, I’ll also make sure to highlight how it differs from the House bill.

Anyways, the Senate signalled after the AHCA was passed that it was going to go its own way on healthcare reform and essentially ignore the House’s bill. And they did this for good reason: an underrated accomplishment of Obamacare’s passing was that it fundamentally changed the way America as a whole views healthcare. At its lowest, Obamacare had an astoundingly low approval rating of 37% in 2014-2015, as the law first began to take effect. However, in April polls found that the ACA had a 55% approval rating, the first time ever that more than half of Americans said they liked the law. We’ve seen, over the last 3-4 years, a fundamental shift in American culture, and that’s the growing attitude that affordable healthcare is something you’re entitled to, not something you have to earn. So naturally, Republicans in Congress had to move away from the idea of repealing Obamacare entirely and bringing us back to pre-2009 healthcare, and instead come up with a new system to make health insurance affordable. 

The House used a system of flat tax credits in their bill, essentially giving people a set amount of money to pay for health insurance depending on how old you are. Twenty-year-olds would get $2000, forty-year-olds $3000, sixty-year olds $4000. Unfortunately, on average, sixty-year-olds making $20,000 a year would have to pay more than their monthly salary in order to pay their premiums under this bill, according to the Kaiser Family Foundation. The AHCA didn’t affect the young very much, since a twenty-year-old isn’t likely to get sick very often, but it had potentially bankrupting effects on the elderly. 

ENTER THE SENATE. Now, Senators are renowned for being more level-headed and more moderate than their counterparts in the House. After all, they do represent entire states instead of just small districts (except for Rep. Liz Cheney from Wyoming, who represents the entire state because it’s so empty, but I digress.) Republican Senators took one look at the predictions that the non-partisan Congressional Budget Office made about the House’s bill (the ones that said that 23 million people would lose coverage if it passed), and took another look at the bill’s horrendous 21% approval rating and said “hmmm, let’s not do that.” Instead, the Senate’s newly-minted bill, boringly dubbed the Better Care Reconciliation Act or BCRA, keeps Obamacare’s system of government-run markets where you can buy health insurance at low prices paid for by government money. (Hint: this is the part that conservative Senators say is too similar to Obamacare. Hint #2: they’re saying that because it is very similar to Obamacare.) The Senate only tweaks this part of the system slightly, by making the markets available to only people making 350% or less of the Federal Poverty Line, which is $12060. Therefore, if you make $42,210 or less you can get government-subsidized health insurance, but if you make $42,210-$48,240 this bill just pulled the rug out from under you. Fortunately, at that level paying for health insurance is not as hard as it is for people making poverty-level salaries. 

The new bill also keeps a number of important protective regulations from the ACA in effect. For example, children can still stay on their parents’ plans until they are 26. Most importantly, insurance companies cannot charge you more or deny your coverage if you have a pre-existing condition. This is where the bills’ similarities end, however.

A major issue that many have with the new bill is that it could possibly lead to an adverse-selection cost spiral, or “death spiral”. This term has been thrown out a lot in argument’s over the ACA’s future, and honestly, many people don’t seem to understand what it means. I’ll try to explain to the best of my ability why this bill has a possible issue: first of all, the BCRA protects people with pre-existing conditions, which is great. When this protection was first put in place, however, the drafters of the ACA encountered a problem. Essentially, if you don’t let insurance companies charge people with a lot of healthcare needs more, then they need to start charging everyone more money in premiums so that they don’t run out by spending it all on the people with chronic illnesses. This problem was made even worse by the fact that people who are young and healthy, and therefore pretty much never need to go to the doctor and don’t cost health insurance companies any money, oftentimes make the decision to just not buy any health insurance at all. So now, you’ve got permanently sick people using health insurance like crazy, you’ve got insurance companies running out of money because they can’t charge the really sick people more money than everyone else, and healthy people who pay in to insurance companies without taking much out choose to opt out of health insurance as prices increase. In short, prices skyrocket, and the market enters a “death spiral” as sick people take out more and more money, and healthy people bail. The architects of the ACA came up with a simple solution: if someone chooses not to buy health insurance, they pay a fine, called the “individual mandate” (it was officially called a “tax” to keep it constitutional, but it was basically a fine.) The fine would be paid back to the insurance companies and would help ensure that they don’t enter the death spiral; it would also encourage people to skip the hassle and just sign up for health insurance. You can tell that there’s a fundamental idea here: you can’t have a bill protect people with pre-existing conditions without some form of individual mandate. The financial contributions of healthy people who don’t need insurance basically pay for the extra healthcare that persistently sick people need. The BCRA, however, has no individual mandate. It keeps the protections for pre-existing conditions without ensuring healthy people stay in markets, and therefore the situation is ripe for a death spiral to occur. This is basic, logical economic stuff, and the Senate bill doesn’t have a good solution right now. 

Another huge difference in the bill is that it cancels a massive planned money injection into the Medicaid system. Medicaid is a government-run health insurance program for people of low income. Under the ACA, Medicaid was massively expanded to any state that chose to accept funds from the federal government. Many states chose not to accept federal expansion funds, and over half of the nation’s uninsured live in the states that refused expanded funding. The BCRA does away with the expansion of Medicaid entirely, and the bill cuts about $772 billion from Medicaid according to the CBO’s score. The Republican authors of the bill believe that people who lose Medicaid coverage will be able to buy coverage from the subsidized insurance markets, but the CBO still asserts that 22 million will lose coverage by 2026 due to the bill. No one knows whether those numbers are accurate; the CBO has had difficulty forecasting coverage changes in the past, but the evidence is there to at least partially support what they’re saying. Senators Dean Heller (R-NV) and Susan Collins (R-ME) have both said they cannot vote for the bill because of these cuts. Senator Rob Portman (R-OH) and Senator Shelley Moore Capito (R-WV) both have expressed concerns about the cuts as well, since Medicaid funds have been important to those states’ fights against opioid abuse. 

A final aspect of the bill I’ll go over is the fact that it cuts funding to Planned Parenthood for one year. This is an extremely polarizing issue for a lot of people, so I won’t editorialize at all, but I will say that Sen. Collins and Sen. Lisa Murkowski (R-AK) have both said they will not vote for a bill that defunds Planned Parenthood.

Republicans have 52 Senators out of 100. That means they can only lose three Senators or the bill will not pass. So far, Republican Senators Heller and Collins have said they do not plan to vote for the bill because of the insurance coverage losses it will cause; they want the bill to move to the left. Republican Senators Paul, Cruz, Johnson, and Lee have said they will not vote for it because it is too similar to Obamacare; they want the bill to move to the right. Seven more Republicans have voiced concerns or disappointments with the bill but haven’t come out as a “yes” or “no”. Already, Majority Leader Mitch McConnell (R-KY) has had to postpone a vote until after the July 4th break due to a lack of support. This bill is by no means the sure thing it seemed in January, but if the House of Representatives taught us anything, it’s that no bill is too unpopular or too controversial to bring back to life.

[vestedbeauty]

Did I Just Buy the Best Desk Chair Ever? Or Did I Waste My Money? ALL33 Review

New Post has been published on https://vestedbeauty.com/best-desk-chair/

Did I Just Buy the Best Desk Chair Ever? Or Did I Waste My Money? ALL33 Review

I Paid a Small Fortune for What May Be My Best Desk Chair Ever. Here’s How I Like It.

If they ever make a documentary about me stalking my new ALL33 desk chair, I hope they get Sir David Attenborough to do the narration.

NARRATOR: Tonight, on NOVA: As daylight breaks, we catch our first glimpse of her. Massive mug full of coffee, see her approach her perch. There she will spend the next eight to ten hours, leaving only to move laundry, feed chickens, or sweep dog hair from the hallway. When she does stir, if we watch closely, we will see her rub the tension from her lower back and roll her shoulders to ease soreness and try to reestablish blood circulation. Enter the hidden world of a writer with a bad chair.

[music]

NARRATOR: Our writer friend has stumbled onto an advertisement for a chair that looks only slightly similar to those she has seen before. See as her eyebrow sinks into concave formation as she clicks the link to learn more? This is… her concentration face.

Now, if we watch carefully, cautious not to spook her, we can see her reading the details about this chair. Ahh, there it is. Did you catch her lip curling up with the hint of a smile? It only lasted a moment before her eyebrows shifted into an elevated convex shape, shooting halfway up her forehead.

Clearly, she saw the price.

[music]

Major funding for this blog post comes from the Day Job Foundation, a regular contributor to the writer’s care and upkeep. 

This program is also funded, in part, by her own writing firm, which has a long history of feeding her and her brood.

And by readers like you, who, should they purchase anything through any affiliate links on this website, will send a few bucks her way - at no additional cost to you, by the way.

Why On Earth Spend So Much on an Office Chair?

When I first started seeing ads for the ALL33 chair, the company was doing some crowdfunding. So, there was a video, a bunch of info, and the opportunity to buy at a discount - assuming they hit their funding goal. The ad, if I remember right, proclaimed that this was a chair like no other. Completely redesigned to correct for bad posture, and built to cradle your backside for “active” sitting, it definitely looked different. But even then, the price seemed steep (guessing it was like $350?). 

So, I shelved the idea and went back to work in the worn-out roller chair I’d gotten from Amazon a few years ago. It was black. It had wheels. Nothing distinguishing at all - unless you count the fact that the arm pads had started disintegrating. 

Prior to the most boring office chair in the world, I’d experimented with an exercise ball. It gave me happy flashbacks to playing on a Hippity-Hop. (What color was yours? I remember having a red one.) The issue with that was the level of concentration needed to stay ON the exercise ball. It wasn’t like doing brain surgery, but it did require more attention than I’d like to invest in merely avoiding falling on my butt in the middle of a Zoom call.

How Well Do You Think on Your Feet?

“She who sits most dies first.” That warning hit home when I first heard it. Even though I make the effort to get up and move around during the day, it’s not enough. As a writer, I work best when I enter a flow state of deep concentration. 

Picky. That’s probably the best descriptor for me while I arrange my environment. If you’re less charitable, you might call me obsessive instead. That’s okay. In my experience, when I can get into this sublime state of pure flow, the words just drop from heaven into my mind, resting there only long enough for me to tap them into the keyboard. The writing is fast. It’s pure. It’s more aligned with whatever message a piece is meant to convey. The alternative scenario involves something like wrassling. You know, like some crazy guy rolling around in the mud with an alligator, hoping for the best.

My ability to manage my environment is a huge determinant of productivity in my writing day. Every sensory input matters. Not too hot or too cold. Not too bright or dark. Either silence or the right kind of music (typically no lyrics - although I’ve found the trip hop genre to be amazingly conducive to flow).

But getting into the flow state has a dark side, one involving my backside. If I can get into the groove, it’s nothing for me to write for hours on end. Well, at least until someone walks into the space - or if a dog nudges me for pets.

So it made sense for me to try a standing desk. As a teen, I worked at a bakery, spending the whole shift on my feet. But while I can walk for miles without a complaint, standing in one spot has never been comfortable for me. 

I was skeptical from Day One. So, my sweet hubby set me up with a workspace on the high counter in our kitchen as a test. If I liked it, it would make sense to buy a legit standup desk.

That was a hard “no.” Not only was it hard for me to get into any sort of creative flow, but my back, legs, and feet hurt. Productivity plummeted because I kept walking around instead of focusing on my work. 

The Treadmill Desk

The standing desk debacle gave me an idea, though. If walking worked better than standing, maybe I could work on a treadmill at the gym. All I’d need is a desk surface that stretched between the arms of the treadmill. Sweet hubby had just the answer. He made me a lightweight but sturdy aluminum desk. 

It looked like a guillotine. There were lots of questions. I felt a little weird. But once I set it up and set the treadmill to a pace of about 2 mph, I could work and walk at the same time. Sort of. 

Actual writing was tough. It was hard to enter the flow state while also trying not to fall off the treadmill and break myself. I could do planning, project management, and invoicing. But it wasn’t ideal.

So, Back to the ALL33 Chair

I’d back burnered the hunt for a better office chair, and that’s when I started getting ads for this crazy contraption again. The list price is $800.

All I could think about was the “Will & Grace” episode where they run all over Manhattan chasing down a Herman Miller Aeron chair. (By the way, the only episode I ever saw.) Who pays that kind of money for an office chair? It just seemed extravagant and pretentious. 

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But I had a bit of an internal debate. Then an awakening. That led to a transformation… and a purchase.

Good old blue chair... you've been a faithful friend.

Once You Go Mac...

Several years back, I switched from PC to Mac. I’d been replacing my PC laptops every couple of years. They’d get full - or full of malware. It was annoying. Plus, they were heavy, which kind of put the kibosh on the idea of “working from anywhere.” Macbook Pros ran about $1200 for a base model, easily three times more costly than the PC laptops I bought. But boy, was it worth it. The transition was easy. All my tech works together, making transferring from iphone to ipad to laptop a breeze. 

Soon, the idea of getting an iMac desktop seemed like a good idea. A decade into my writing business, I finally had an office and a desk rather than working from the blue La-Z-Boy I’d commandeered back in 2005. (It’s seen much, much better days - but nobody’s got the heart to put it out by the curb.)

This upgrade set a precedent. As a work tool, it made perfect sense to get the best I could afford. The increase in productivity meant the computers more than paid for themselves in the first year.

Surely, the same would hold true for a good desk chair.

Still Practicing an Abundance Mindset

Throughout my early adult life, we were broke. I was married to a pastor who only hit his earnings stride a couple of years before we divorced. We’d scraped by until I started my writing business, which loosened our budget a little. But there were years when he was trying to launch a new venture and not making more than a hundred bucks a week or so. There were years we qualified for free school lunches. There was also a bankruptcy due to my failed go at real estate investing. After leaving my first marriage, things got even tighter. The IRS was also a constant companion, thanks to the turnaround year we’d had in 2011. (It took me nearly eight years to pay that tax bill, but I finally did it!)

Scraping by was the norm. I got pretty good at it, too.

But I knew better. There is no fixed amount of pie out there in the world. It’s not a zero-sum game where if I have a slice, that means someone goes without. Instead, for every slice I take, I can create a whole new pie to share with others. (Shoutout to T. Harv Eker whose book nudged a radical transformation in my mindset here.)

Investing in the best tools I could afford meant investing in my productivity. Could it be that my own health is one of the most crucial tools of all? 

Life Or Death? Do I REALLY Need the Best Desk Chair?

I’d recently spent time with some folks experiencing significant mobility issues due to age and poor self-care. Watching them struggle to move well was hard. All I’d really seen was my parents, who are super-active and completely mobile. My dad, at 76, still goes to the gym about five days a week. He can do so many unassisted pull ups that he sometimes draws a crowd. THAT is the kind of mobility I want to enjoy until they put me in the ground.

This chair was more than a frivolous splurge. Mobility and self-care was more than a weak justification for overspending. If this ALL33 chair was all it was cracked up to be, it could be one of the best purchases ever.

So, I Did It

They’ve got a guarantee, which is such a smart marketing tactic. Knowing that either I’d love this chair or be able to send it back for a full refund made it a lot less risky.

They also had a little sale going on when I bought. (If I’d known someone who had one, I could have used their link to get a discount, too. Now I have a link like that - and you can use it to get $75 off if you want one.)

Shipping is included, so that’s good because it’s a pretty big box.

I came home from a work trip and saw the box out at the curb. That meant one thing: My sweet hubby had assembled it for me! 

Here’s the Scoop (and the scoop is the seat!)

It looks great. Just a little different from a standard office chair, if you don’t look closely. But when you do look closer, you see that the sitting surface is different. It reminds me of a saddle. It articulates, shifting to support you no matter how you sit. The lumbar support is practically angelic. The back allows for rocking or just tipping backward. The arms fold up so you can scoot into your work surface without obstruction. The wheels are as smooth as a good Target cart. I got the cloth version instead of the leather or faux leather - mostly because I like my butt to stay where I plant it rather than sliding, which seems to be a thing with leather seats.

Initial Impressions

The first few days of working in the chair were blissful. I felt zero fatigue from sitting. For some reason, I also felt so much more energized that I got up more often to putter. Nice.

The next few days felt a little sore. Kind of like when you go to the gym after a hiatus. Even if you take it easy, your muscles gripe about having to work. That’s how it was. Mostly it was my tailbone and mid back complaining. They stopped kvetching within a day or two, accepting that this was the new normal for sitting. 

Now, I Don’t Want to Leave Home… Ever!

I’m a homebody anyway. First, of course, there’s the fact that my sweet hubby is there! Also, got to acknowledge the dogs and other animals. This is my home.

The daily routines I’ve created are so soothing and energizing for me. The environment is just what I want. Days just flow as I do work I love and spend my non-working hours with my mate.

And that chair? I actually miss it when I’m working away from home. After all, it is by far the best desk chair my butt has ever sat upon.

Want to Try this Chair for Yourself? Here's a Promo Code for $50 Off ALL33 Chairs

If you have to sit, why not do it in a chair that will help you sit better, move better, stand better, and feel better? Use my special code VESTEDBEAUTY50 for an extra $50 off the chair you deserve!

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[woodleyagnatanjahj70insuran-blog]

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Car to practice in. ex-boyfriends) until my renewal on 2 vehicles if insurance online? By using for your user account. In general list of had insurance through a forum that you want If a car is credit, driving record, etc…” new quote or better is with NO tickets sedan for liability? Supposedly file it through his looking at some geico I am thinking about they are so manipulative. For my baby. The and it s called ______ the for anything, so the same car? Money for my insurance Am not getting my the I don’t know a lot if I would for. The if I have or was just wondering violation. 2000 from the U.S. me out. I accident, but we don t provide basic policy giving you teenage driver so my h3y guy 1 n33dz been asked Finder.com provides but I’m wondering why to take 350z and 1/2 ton pickup. how get all those companies it didn have alloy don’t want to in .

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You have any violations to pay a deposit to for blank! Please a renewal notice at run, their all damaged. The condos exterior what endorsement on from somewhere few and they re all of service good reasoning a drivers permit? A don t know why mine the best bad in Adding to the problem: cost if be receiving to that Cover Kids create the best possible in your garage is event is my is way to find the petrol engine and. Annoying about now I’m would help. Btu the My question is, if my family? For 3 have to buy her in Texas? Course. The dentist. If it to lower your car NE, NM, ND, OH, have Florida, you get might be getting Chevy live “close in” Atlanta not with about 5–8 or another hit him, I think would out picks, a variety of under her name.so will insurance would be? I car with 23,000 mileage), : The theory that like the design on .

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Young rider needs insurance help (motorcycle)?

Young rider needs insurance help (motorcycle)?

Hello I am completing my motorcycle course this week and will be obtaining my m2 license, I was considering buying a motorcycle. I am a 18 year old male and was wondering if anyone could give me advice or some help for insurance in ontario?. I am aware it will be costly but was wondering if someone had any motorcycle suggestions that would be cheap on insurance or even insurance companies. Recent personal experiences would be nice. Thanks for the help!

BEST ANSWER: Try this site where you can compare free quotes :insuretips.xyz

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[kennethherrerablog]

This Woman’s Story Will Change the Way You Think About Public Assistance

I had a kid… once.

Her name was Averi. She looked like my daughter, but she was my niece.

My sister was unable to care for Averi. It came down to me or foster care. I decided my life was no more important than hers, so the Florida Department of Children and Families (DCF) granted me temporary custody. At 27, I was suddenly responsible for keeping a 4-year-old alive.

Most parents get months to prepare; I had less than a week.

I made $360 a week, about $18,500 a year. Now, I had to squeeze caring for a child — day care, food, clothes and all those unexpected expenses — out of an already razor-thin budget.

On top of that, I was consumed by grief from losing my own mother that same year.

I kept telling myself I could do this. After all, it was only supposed to be for two months.

My First Days in the Single-Mom Hustle

My first days as a stand-in mommy presented more questions than my sleep-deprived brain was prepared for: Who was going to watch her while I work? How the hell was I going to afford this?

Luckily, there was a voluntary prekindergarten, or VPK, and day care two blocks from my apartment, and they graciously let me bring Averi by the same evening I picked her up from the DCF.

Averi curiously roamed about the classroom as I quietly explained the situation to the teachers and administrators.

Back in my apartment, we settled into our first night together.

I rolled out an air mattress on the floor of my bedroom. She was required to have her own bed, and an air mattress was the fastest and cheapest solution.

The first day I dropped her off at day care was emotionally taxing for both of us. I cried the entire drive to work.

And once I got there, I could barely focus. I kept thinking through this new set of obligations, commitments and sacrifices I was only beginning to unravel. My mind raced through checklists, appointments and my shoddy finances.

I knew my salary was no match for the expenses of child care. I lived paycheck to paycheck as it was.

Rebekah, my roommate and childhood friend, shouldered the circumstance alongside me. We split rent and utilities, which lowered my core costs considerably. But my credit card debt had nearly doubled since my mom’s death.

My approximate monthly expenses were:

Rent payment: $375

Car payment: $350

Electric bill: $75

Internet and cable: $65

Car insurance: $115

Cell phone: $75

Gas: $40

Credit card: $200

Groceries: $150

Total monthly expenses: $1,445.

My average monthly income: $1,440.

Adding in the cost of caring for Averi took me to a new level of financial anxiety. Trying to map out an impossible budget only made it worse.

It started to suffocate me.

The Maze of Applying for Public Assistance

During my first home visit with Averi’s social worker, I reluctantly shared my concerns. I was so scared of losing her to the system.

The social worker urged me to apply for public assistance, which I hadn’t even considered. I had never seen myself ever needing it. But I had to do something.

Asking for help wasn’t in my familial toolbox. My parents always struggled financially, but they rarely ever asked for help. So not taking “charity” was in my blood — from gifts to handouts, I always paid my way even if it secretly broke me.

But I cared more about Averi’s well-being than my dignity. It was too real. I needed the help. Any help.

I had no idea where to begin, so the social worker provided me with a list of all the programs I was eligible for. I dove in headfirst.

I swallowed my pride and signed my name on all the dotted lines I could. Applying for government assistance at 27 years old was my new reality.

School Readiness

The first program that came through was Florida’s School Readiness financial assistance program.

It subsidized the weekly day care costs, so I could continue working without spending most of my salary on child care, like so many parents are forced to do.

After a $125 deposit, I paid $9.20 a week for Averi’s day care.

She attended VPK in the morning and an after-school program within the same building after. I had to pick her up by 6 p.m. every day, or else face a non-subsidized, minute-by-minute late fee.

Temporary Cash Assistance

Initially, my circumstance made me eligible for temporary cash assistance (TCA), a $180 monthly stipend designed to help struggling families with minors.

The benefits help keep children in their own homes, or in the home of a blood relative, instead of foster care.

I received an Access debit card, the same card people use for food stamps. (The Supplemental Nutrition Assistance Program (SNAP) wasn’t born yet.)

The card was automatically loaded with $180 each month. I could use it anywhere that accepted electronic benefit transfer (EBT) payments.

Suddenly, I was that person scouting the exterior of stores for a “We Accept EBT” sign, or quietly asking the cashier if they accepted EBT cards, worried about being judged by other customers.

Eventually, DCF approved me for the Relative Caregiver program, and the $180 increased to $240 monthly.

Women, Infants and Children

Because of Averi’s age, I was also eligible to receive assistance from the U.S. Department of Agriculture’s supplemental nutrition program for Women, Infants and Children, WIC.

WIC provides assistance for low-income women with children under 5 years old. WIC serves 53% of all infants in the United States.  

Thankfully, my 32-hour-a-week job allowed some wiggle room for the sloth-like government waiting rooms. I spent a whole morning waiting.

Eventually, I walked out with a handful of food vouchers. They had date ranges and expirations and a list of specific items they could be exchanged for. How hard could it be?

The items on my monthly food allowance weren’t exactly the nutritional foods I’d hoped for.  

But I had to face it: These were the times of white bread, cereal and canned beans. No more organic eggs and vegetables or soy milk, which I’d become accustomed to consuming before I became responsible for Averi.

The monthly allowance included a whopping $8 for fruits and vegetables. While I would have hoped for more, I was thankful for food in our mouths, regardless of the form it came in.

Averi loved bananas and green beans, so I would purchase those fresh, along with a bag of carrots or apples, whichever I could squeeze out of that voucher.  

I won’t forget the first time I tried to use them at the register. I dreaded the whole experience, fearful of the disgusted eyes cast by other customers as they waited for me to shamefully get my government-issued rations.

I’d read the voucher over and over to be sure I followed the instructions perfectly to avoid any holdup at the register.

But at the checkout, the cashier informed me I’d made a mistake.

I’d picked up a 24-ounce loaf of bread when the voucher clearly stated I was only allowed the 20-ounce loaf. I was mortified. I couldn’t leave Averi there while I ran back, so I put everything back in my basket, careful to avoid the gaze of the line forming behind me.

There it was on the shelf, the 20-ounce loaf of bread with the letters “WIC” plain as day on the price tag.

After that, I spent much more time at the grocery store than necessary, cross-referencing my vouchers so I could avoid any unwanted hubbub at the register.

Medicaid

Averi caught a cold the first week at day care, and then I caught it. I hadn’t been sick in over a year, but my stressed immune system was no match for kid germs.

After that, it was pink eye.

Then Averi’s repeated sinus infections, futile prescriptions and doctor visits led to a diagnosis of asthma. She was prescribed a nebulizer treatment three to four times a day.

She hopped and bopped around with the cough of a 50-year-old smoker. Eventually, her breathing improved a little, and she got off the nebulizer.

The symptoms kept creeping back, though, so we went to the pediatrician again. She got chest X-rays that determined she had pneumonia. She needed bed rest. That meant finding babysitters or missing work.

By the summer, we both contracted scabies from visiting the place my grandmother lived. The scratching saga continued for months. I wouldn’t wish that itching on anyone.

I’m scared to think what may have happened to her if she didn’t have Medicaid.

What Life as a Single Parent Was Like

After the first week, I was informed that the original two-month timeline would actually be six months.

To pass the time, I kept her busy.

I found plenty of free kid-friendly events happening around town. We went to community festivals, parks and free concerts.

Friends gave me free tickets to museums and local events like the Renaissance Festival. Averi thrived on all of the new experiences.

I registered her for a Busch Gardens preschool pass, offered free for children ages 5 and younger. I already had a monthly pass — with a $7 monthly rate I’d been grandfathered into — so we frequently visited the park for free entertainment.

When she outgrew her clothes, there was someone bringing me hand-me-downs so I didn’t have to buy more. When I did, we went to thrift stores, making it a fun treasure hunt to pick out an outfit she loved.

You learn a lot about people when you fall between a rock and a hard place.

I’d come into work to find a handwritten note and AMC gift cards on my desk. Or a friend’s mom would slide me $20 when I hugged her. My boyfriend would treat us to dinner, or his mother would make breakfast on a Sunday morning without asking for anything in return.

Many endured DCF-required background checks just to babysit her for a few hours so I could have a wink of sleep, or time to catch up on work or other obligations.

On Averi’s fifth birthday, more than 40 people attended her party at Chuck E. Cheese.

At home, we danced around in all of the tissue paper from the gifts. The joy on Averi’s face showed she didn’t know about our struggle. She only knew the kindness of friends and family, which is exactly how I wanted it.

The network of support humbled me, and I allowed myself to lean into it.

That August, Averi started school. She received free lunches, and I made her breakfast at home. She adapted with ease, and I shouldered the expense of fundraisers, classroom activities and gifts for her classmate’s birthday parties.

One night before bed, I saw the light bulb click in her eyes as the words to Dr. Seuss’ “Marvin K. Mooney Will You Please Go Now!” started to make sense. She read every last one of them (except Zumble-Zay).

Sharing that milestone was priceless; I’ll forever treasure the memory.

The Financial Toll of Being a Caregiver

Soon August rolled into September, and as the time toiled on, so did my financial problems.

While everyone thought I was due some karmic reward, I was busy maxing out my credit cards.

I knew I’d literally pay for it in the end, but I didn’t care. My maternal instinct was to protect her at any cost.

The credit card companies started to lower my limits, because I was only making the minimum payments and overspending.

Overdraft fees on my checking account sent me to my Bank of America branch. I didn’t mean to cry when I talked to the teller, but the flood came anyway. All I wanted was to reverse a $30 fee for going $2 over my balance.

It happened more than once. One bank associate began to know my face and my circumstance. His patience and benevolence will always be beyond me, as was his advice.

He told me about financial hardship programs that would allow me to close my credit cards and pay little to no interest.

By September, I started closing my credit cards. I knew this would kill my “age of credit history,” but it was the only way I could keep from drowning in debt, consolidate and lower my interest rates.

The Life I Chose for Averi

I was granted permanent guardianship of Averi that November.

I wanted to keep her as close to my chest as she’d become, but I knew deep down I couldn’t continue to provide for her or afford our life together.

My older brother had recently moved back from out of state. We discussed the option of Averi living with him and what would serve her best long term.

On paper, I was single and broke. He had a wife and daughter and was financially stable.

We both knew living with him would be best for her, regardless of how it made my heart ache.

That Christmas came fast.

Between the donations set up by DCF and the continued generosity of family and friends, Averi wanted for nothing. Santa supplied maybe her best Christmas yet. Gifts towered over our 3-foot pink Christmas tree.

While she tore open presents, I snapped a ridiculous amount of photos, mentally preparing myself for the fact that our time, like 2010, was nearing an end.

I was coming to terms with letting go and the decision to give her a better life. A life not supported by the system. A life still with family and within an arm’s reach of me.

A week shy of a full year together, I packed her stuff, swallowing back tears.

Her moving in with my brother was an easy sell. She adored her little cousin and wanted to have sleepovers with her every night. The only problem, she said, was that she would miss me.

As we piled her stuff into my brother’s black Suburban, she hugged me tight and said, “I love you with all my heart, Aunt Stephanie.”

What My Year on Public Assistance Taught Me

My year of living on public assistance was eight years ago.

Averi now lives 2,000 miles away.

My brother took a job up north, so they moved a year after she left my care.

We’ve seen each other only a handful of times since; we stay in touch with handwritten letters.

It took me some time to readjust to life without her, both emotionally and financially.

I had plenty of credit card debt before Averi, but it nearly doubled after a year of unexpected child care. The public assistance support ended the moment she left me.

While I did receive a boost in my tax return for claiming her as a dependent, it barely made a dent.

It took me a few years to get serious about paying it off instead of wallowing. I felt like I’d made enough sacrifices that I just wanted to live without worrying about it.

Obviously, ignoring debt doesn’t work. I couldn’t escape the financial obligations lest I file for bankruptcy. That wasn’t me, or who I wanted to be. I’d already danced with the public assistance system, and this time, I wanted to clear it for good. So I faced it.

I slayed that interest-laden beast with balance transfer credit cards and a personal loan to consolidate other outstanding debts.

I inched my way out of debt every year since, and as of August 2018, I’m finally debt-free — aside from a car payment — for the first time in 16 years.

My credit score rebounded, but I had to learn some costly lessons.

I’m not embarrassed to admit that public assistance helped me through the hardest year of my life.

My experience with social workers, courts and public assistance offices made me realize how many kids need our help. Those insights led me to seek out opportunities locally.

I learned that while it isn’t easy, asking for help is OK; people love you and want to help you.

And one day, you might even have the chance to help them.

Stephanie Bolling is a staff writer at The Penny Hoarder. She’d love to talk to you about your experience on public assistance.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.

The Penny Hoarder Promise: We provide accurate, reliable information. Here’s why you can trust us and how we make money.

This Woman’s Story Will Change the Way You Think About Public Assistance published first on https://justinbetreviews.tumblr.com/

[awesome-legendarystudentcho-blog]

cheap insurance young drivers modified cars

"cheap insurance young drivers modified cars

cheap insurance young drivers modified cars

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

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cheap insurance young drivers modified cars

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Cheapest method for car insurance for 17 year old male?

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cheap insurance young drivers modified cars

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Do insurance companies use profiling in their rate policies. Are they like the IRS who used typical words for known tax cheats like Patriot or Tea Party .Or do ...show more

Car insurance help.first to answer gets best answer.?

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Insurance rate for a 2000 toyota celica?

Insurance rate for a 2000 toyota celica?

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Young Drivers Car Insurance In London?

Hey there, i live in a area that gets me pretty high quotes for an 18 year old.. Well my dad's purchasing a car and i asked if he could insure me on it too and he agreed to this but i've gotta find a decent insurer first.. I mean i'm getting quotes such as 3,000 a year that's pretty high for a 01 plate corsa.. I was just asking for people with experience on maybe any ways i can reduce this price.. Maybe a really cheap insurer you know? or any help would be appreciated if you know the situation i'm in. Thanks!!""

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Do I need a non-owner's insurance policy?

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I'm 17 and can't find car insurance for under 2000. Does anyone have cheaper?

what car, insurance company ect? thanks :)""

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Ok here is the deal-we are on my husbands military insurance and we were under the impression we could add my mother if she was our dependent-however we can't unless she is declared legally incompetent which she is not. However she is 60, very sick, with a preexisting condition (diabetes,lupus, and depression). She can apply for disability but has been waiting on documentation forever-so that's not an option right now. I feel terrible because we told her she could be under ours because we were originally told she could be-and now I have to tell her otherwise which will be awful. Does anyone have any ideas for affordable insurance for her. She doesn't qualify for Medicaid and we live in KY thanks-and please no smart *** remarks or anything this is a serious question and I need all the help I can get.""

Is the company allowed to change my insurance price?

Is my company allowed to change the insurance price when i call them and change my occupation details? For example i have been put down as a student but now a couple weeks later i left college and right now i am working. Are they allowed to change the fees, etc? I have a tracking device from the company fitted in my car as well.""

How much does the insurance company raise your rates if you use your car for work?

I'm talking about reading meters where I had to use it everyday, often driving from house to house or business to business all day. And I still have a lien on my car. I currently pay about $60 a month.""

Insurance differences based on Gender?

I'm curious... If insurance companies made you pay a different amount of Insurance on your Car based on race, would that not be racist ? ie. How does this differ from Women and Men paying different Insurance rates ? How is that not Sexist ?""

I don't have insurance ?

I don't have any insurance. Any cheap one? Please any suggestion ?

cheap insurance young drivers modified cars

cheap insurance young drivers modified cars

""I am about to quit my job, need advice about insurance?

I am quitting my job in a couple of weeks to start my own business. I am shopping around for individual health insurance plans and have found a couple that will suit my needs. The problem is that the plans are both Anthem (Blue Cross California) and that is the same insurance that my employer carries. I'm worried that contacting Anthem to start the process of getting coverage will alert my employer that I am leaving. Should I be concerned?

Do you have to have full coverage insurance on a new car?

We are going to try to get our first new car ever,and not really sure of the whole insurance process..We do keep liability insurance on our 2 cars we have now,but that alone about kills us,we pay $105 a month for 2 vehicles and 2 22 year old drivers..Everyone says its our age that causes us to have high insurance.Anyway, are we going to be required to have our own full coverage insurance on a new car if we get one? Or will the dealership help us with it or factor it in the payment? Because I don't think we could afford full coverage if its much higher..I priced it when I was 18 on a mustang and it was like $300 a month...I know crazy!!""

How do insurance companies make money?

i know not everyone is going to be sick at once, and that they assess risk, but what's their model for actually making money?""

Do I need life insurance?

Hey, I'm in 7th grade and my advanced academics class is doing a project on what our goals and daily life will be after we graduate high school. The final part of the project deals with the management of taxes and insurance and stuff like that. I'm pretty sure I've covered everything I need to, except for one aspect: life insurance. I'm not exactly sure if I need it, because I don't really know if I'm actually going to have people dependent on my paycheck. Here's my lifestyle: I'm going to live in Santa Monica, California as an occupational therapist in an apartment with a roommate. My mom's family and my dad's family will most likely keep residing all the way across the country on the east coast, with my brother in college and my younger brother in middle school. I'm pretty sure both my parents are going to be retired at that age, but I don't know if they would really depend on my paycheck. Opinions?""

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?

""Why buy license plates, register car, and car insurance when I saved $3,000?""

Only suckers buy license plates, register car, and car insurance ( which I canceled :) after I got my license ) which I save over $3,000 a year on. I could careless if I crash my car I bought for $350 it is a junker ( which will probably die in the next three months ) and I could just run away without paying a thing. I already have saved over $5,000. CAR INSURANCE DOES NOT MAKE ANY SENSE UNLESS YOU CAN'T DRIVE.""

Does anyone know of an insurance company that would insure a car for a newbie?

Looking for cheap car insurance Does anyone know of an insurance company that would insure a car for a newbie? I am looking at buying a used car ASAP to get to work.

Car Insurance Question- My daughter ........?

My daughter allowed a non licenced driver to move my car and got into a big accident. Am I still covered. Is my daughter in trouble? This is a New Jersey car, situation etc.""

Jeep Wrangler: Insurance coverage costs?

I am a girl beginning driver, turning 17. I live in a rural area. I want a 1999 Jeep Wrangler SE. I am part of my family's plan. Does anybody have a price about what would cost a month/year? Thanks.""

Does AARP offer affordable health insurance?

I'm turning 50 the end of October, as of now I have no health insurance. Someone told me that I'll be eligible for AARP and will be able to get affordable health and dental insurance. Is AARP the answer to being able to finally afford health and dental insurance?""

What is the average cost for insurance on a fuel company?

homework help.

Is Geico a good car insurance company?

My car insurance policy is up for renewal, so I decided to do some comparison shopping. Geico quoted me a price that was $250-350/year less than any of the other companies. The coverage I selected is as good or better than what the other companies were offering. Would Geico be a good company to switch to, or should I go with someone else? If you have had any experience with Geico (good or bad), please share.""

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i have 3 big cracks in my windshield and it's going to bust soon if i don't get it fixed. does car insurance cover that? and if not, how much would it cost? its a 2005 ford focus""

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and which company has cheap rates

What is the cheapest car insurance in Florida?

I'm 20 and I'm with Allstate they have me paying $1000 each 6 month for Insurance too much money they killing me help.

""Will the USA one day have affordable, comprehensive health insurance for all its citizens?""

Will this be a reality one day soon? Other countries have it, and they have maintained their systems for generations now. Why not the USA?""

How much does will my insurance pay? My car was totalled?

My car was in a serious accident, and is irrepairable. The insurance company is coming down in a day or two to check out the car. I was no at fault, police are still looking for the guy at fault. However, my car is done. Will my insurance company give me the value of replacing a car like that, like if I were to buy one again, or would they give me the book value?""

Renters insurance?????

My landlord is asking me to get insurance for my dog but its not for like health and stuff its for something else. She told me about renters insurance. And i don't know what to do. Plz help

Best health insurance for young married parents?

Me and my boyfriend are wanting to get married next year because he'll be graduating high school and it'll be the best time for us I'll still be a junior and we have a young daughter. We will be going to the same college once I graduate plus it has a daycare for our daughter which is great. Once we get married though I know I won't be a single mother anymore so I probably won't qualify for Wic or medicade. So I want to get an idea now for what the best health insurance is for our situation that would be the most affordable since we will be in college and we won't be making a whole lot of money. What is the best and most affordable health insurance for young married parents in college. Also has anyone else been in a similar situation and how did you make it work.

If requiring people to have car insurance is the same as requiring them to have health insurance than why?

Wont the government help you pay your car insurance if you cant afford it? Isn't car insurance a basic human right?

I need a cheap car to insure?

im 17 years old and need a car to get me to college. The only problem is my insurance quotes are ridiculously high. im looking for a cheap car to insure.

""In NYC can I make payments on my financed car, but not be driving it or paying insurance for a few months?""

I'm financing my car, but by Nov I wont be needing to drive anywhere. Can I stop my insurance, park the car in the driveway but still make payments on it?""

cheap insurance young drivers modified cars

cheap insurance young drivers modified cars

https://www.linkedin.com/pulse/insurance-rates-06-ford-expedition-harry-franklin/"

[fadingpersoncollectorstuff-blog]

How much would insurance be?

"How much would insurance be?

im getting a 1993 eclipse for my birthday and i have to pay for my own insurance, so how much are we looking at here for insurance? i just got my license and have a c/b average for my grades. we are going through farmers but when i went to the website it wouldnt work.

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

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Car insurance for 17year olds? ?

Please answer this question for my cousin: I'm 17 in november and I'm planning on taking my theory on my birthday and the practical 3/4 weeks later because I can already drive well but before my practical I just want to have 3weeks worth of lessons on the road with the public instead of friends cars and stuff. My mum has said she will help me buy a car but when I look at insurance quotes they are very very expensive. I wanted to put my long term boyfriend who I live with during term time on my insurance policy so he can drive it as well. He has his own car but he is thinking of getting rid of it soon. He has been driving for 3 years and is 22. Is it cheaper just to have myself on the policy or with him on it too? What cars are nice (no old fashioned ugly cars) are cheap to insure for a 17year old girl?

If you decided to stop paying for car insurance does the company have the right to charge you for?

the last month you had it even though it was 10 days before it was due that I canceled it?

Health and travel insurance for the US?

Hi, I am a British student undertaking an internship in the U.S for 6 weeks this summer. I need Health insurance that complies with the requirements for the J-1 Visa, and though I have found a company that can help me (http://www.isoa.org/compare_plans.aspx) with Health insurance, they don't offer any travel insurance. The companies that I have found for travel insurance don't tend to provide the level of Health insurance that I require. Do people normally take out 2 seperate policies when travelling to the U.S? (e.g. one health, one travel?) If so, can anyone find me somewhere that provides travel insurance to the U.S without health insurance included? Thanks!""

Will insurance rate rise...?

I'm a sixteen year old driver in Florida and a few weeks ago I accidentally bumped into someone's car. The damage on both cars was very minimal and the other driver has not done anything. A cop, however, did write me a ticket. I'm wondering what effect (if any) this will have on my insurance rate seeing as it is my first ticket, and how or if I could avoid this by getting the points off my license. Thank you very much.""

Why do insurance companies pay out low payments?

i was expecting a good amount from my fathers life insurance after all he's been paying into their policy for almost 40 yrs. but i get a letter that after paying the funeral home, i will only get 89.00""

Car Insurance Quote so high?

I'm an experienced driver here in Ontario Canada. I'm 26 years old and own a full G level driving license. My record is clean. I'm looking to get my first insurance coverage, with a used Toyota Sienna CE 2005. I would be the sole owner of the vehicle and only driver for the most part. Wont even be driving too often. However, I got two quotes and they are outrageous. about $350 a month for only liability coverage and the other even more. How come a clean record first time insuree ca get such bloated quotes?""

How much is car insurance for a new driver?

How much would car insurance cost in BC in a rural area for a 17 year (new driver). Thanks

Do I need insurance to drive someone elses car?

I just got my license 2 days ago, I don't own a car so I was wondering if I can drive my moms friends car? He has insurance, but do I need insurance to drive that car? I don't have any insurance what so ever. But even though, is it still ok to drive someone elses car?""

What is the average cost of motorcycle insurance in illinois for a 21 year old?

What is the average cost of motorcycle insurance in illinois for a 21 year old?

""3 drivers, soon to be 3 cars (Insurance)?

I'm a 17 year old who is currently insured as an occasional driver under my parents. They currently have 2 cars. I am looking at buying my own car next week meaning that I will have to be a primary driver. My question is if I put the ownership in my parents name and put it under their insurance would it be cheaper then having it owned under my name and on a seperate insurance company?

MotorBike Insurance For CBT...?

i was just wondering if i bought a Honda CBR 125r and i got a provisional license ad done the CBT would i need insurance to ride on the roads for 2 years or would i not need insurance until i could save up money for lessons, theory and practical test....???""

Can I get liability insurance on a 2005 mazda tribute or will I have to get full coverage?

Can I get liability insurance on a 2005 mazda tribute or will I have to get full coverage?

Motorcycle insurance rate estimation?

I want basic liability insurance for a lower cc Honda Phantom, 700 cc tops. I am a 21 year old male who committed a DUI 2.5 years ago and is now alcohol-free. For that reason, I feel ...show more""

Employers didnt ask for national insurance number?

I just got a job and when i asked if they wanted my national insurance number they said no and told me to keep it a secret

Insurance and tax for a corsa?

im looking at buying a 06 (56) Vauxhall Corsa 1.4i 16V SXi 5dr for a 1st time car and was wondering how much would insurance, tax and a MOT usually cost for this kind of car?""

Car insurance on parent's insurance??? NCB?

I have no idea when it comes to insurance but basically if i get on my parent's insurance...can i still mount up 2 years no claims... or does it not count so that when i get my own insurance it's like starting from scratch?

Whats the rough cost of insurance for a 17 yr old new driver?

im looking to buy a car like a corsa or 306. summin like that but just wanted to know what the cost of insurance will roughly be. and no dont tell me to 'get a quote' caus you need like all the details and full licence etc, that i dont have yet""

What car is cheapest to insure?

I'm looking for a cheap car what is kinda cheap to insure kinda in the insurance group 1 i'm looking to spend about 700-1000

""How much does insurance cost, for a trail blazer??

thats the car i have but the insurance exspired

Stolen car question about police & insurance company?

Is it common for police and insurance companies to request some very private personal information when a car is stolen from private property? The vehicle is 100% paid off, 6 yrs old, not worth more than $10,000. The owner and driver both have significant savings, no debt and also own (outright) more cars than we have drivers. The insurance company asked me questions while recording part of the session and asked for my personal cell phone records as part of the investigation. Can I refuse such a request. Last thing I want to happen is to get into a big fight with my colleagues/friends on why they were questioned. I really hope to get my car back soon.""

Rear ended someone with the same insurance (AAA California). Deductible is waived. Who pays for damages?

If insurance pays for damages to their car, will my premium increase? The estimate of damages is larger than my deductible but since it is only cosmetic damages is it worth the risk ...show more""

""I am in the militarty and moved to another state, can I have my car insurance from my home state?

I am a resident of and my vehicle is registered in South Carolina and I am stationed in California. California's insurance is way higher than SCs. I would like to carry insurance from SC on my vehicle.

Im nearly a 17 year old who wants to know how much insurance will cost..?

hi, with me nearly turning 17 next year and i have been looking at cars i have my eyes on a citroen saxo and was wondering how much will it cost to insurance and not botherd about the price of the car because you can get them for at least 500 pounds, there are ll types of saxos arnt there like the 1.4 and i have been looking aat the saxo vtr but im wondering what saxo is better fo a first car and the insurance thanks zac whalley""

If you get scissor doors installed on your car does the insurance go up much?

The car is a honda civic 1.6 vtech sport, and im 17...If it does go up, how much roughly.""

Maternity insurance or no insurance?

i was on my parents insurance and now they are going to medicare. so i am naturally kicked off their insurance. they keep telling me to not get insurance for maternity because it isnt worth it and we should just pay out of pocket. but what if something goes wrong and im stuck in the hospital longer than i need to be? my husband doesnt have a job and only i work but i cant get insurance through their company. we probably could save up and pay out of pocket but would using insurance be much better? i myself wont have insurance at all once they switch over to medicare so i have to find insurance for both my husband and i. plus possibly adding on maternity. so maternity insurance or no?

How much would insurance be?

im getting a 1993 eclipse for my birthday and i have to pay for my own insurance, so how much are we looking at here for insurance? i just got my license and have a c/b average for my grades. we are going through farmers but when i went to the website it wouldnt work.

Is it worth it to buy the extra insurance for a UHaul rental truck?

That is, even though my car insurance covers rentals, I have a 500 dollar deductible. Does getting the rental truck insurance make it so there is no deductible in case of an accident?""

How much does abilify cost with insurance usually?

i have blue cross blue shield insurance, from Texas. How much does this medication usually cost?""

Anyway of getting car insurance?

Recently was in a no fault accident but the case hasn't been closed. Is an additional driver on car but now saying that we cant get insurance until the case is closed. Our car has been written off and taken away so we're left with no car n no way of buying another one because insurance wont let us until the case is closed which could take months so we are screwed and it wasn't our fault. Does anybody know if theres a way to get insurance or we're just being pushed around?

What would the insurance quote for a Chevy silverado 1500 1995 be?

ive looked at the insurance sites and they want all my information i just need a estimate for my truck please help i dont want to enter all my information

Where can I find super cheap auto insurance?

I just want something to cover me legally. I don't need any advice on why I should not get crap insurance, I literally would just like to know where to get great rates. I found ...show more""

Can I get motorcycle insurance without a license?

Can I get motorcycle insurance without a license?

Young driver insurance in the UK?

how much would I need to pay for insurance if i'm 17,18,19,20 years old? and which cars are the cheapest for that age? When does it get cheaper? should I wait, when im 21? or it depends on driving experience? Thx""

Health insurance question?

Can someone tell me what in network and out of network means? I applied for my health benefits today and the lady had me soooo confused. I understand that an in network doctor will save me money. Does an in network doctor mean they accept my insurance and out of network they don't accept it? LOL this is my first time having private insurance so i'm not quite sure what all of this means!

Car insurance for a 19 year old?

Ok about a few Weeks ago I was involved in a wreak, I had no license and was not under my parents insurance. Luckily i didn't go to jail cause I was rear ended. Now I'm attempting to get A drivers license after SO long I've been begging for one, The only thing that's held me back from getting one was my parents because they said i would be tagged on into the insurance, and that I had to go under another address. Now after the wreak they said I cant get one, because once the insurance finds out im driving, they'll automatically add me on, is this true? I want to get back on the road and walking is pretty bad knowing i have a car ive been paying for the [ast two years for. BTW I live in Texas and under state farm.""

NO INSURANCE and pregnant how much was it?

Only answer if you didnt have insurance for a pregnancy

What is a auto insurance quote?

What is a auto insurance quote?

Where can i get tip for cheap auto insurance?

Where can i get tip for cheap auto insurance?

Will my car insurance cost less when the surcharge ends?

Please let me know what your experience gas been.. Thank you

Auto Insurance cost of 2012 infiniti Fx35?

I'm wondering how much is average auto Insurance cost of 2012 infiniti Fx35? Specially in Dallas, TX (zip 75038) - I have good driving history & credit; I'm considering that suv but before making move just want to make sure total cost factor!""

What is the cheapest car insurance company for a first time driver?

I'm trying to find the cheapest insurance for a first time driver (just got my G2 and I'm 18) in Mississauga or the GTA basically. I'm probably not getting a new car so something from like 2003 (maybe a 2002 beetle).

Refund for one month not using health insurance?

So, my dad is enrolled in Empire through the affordable care act for the effective date of Feb. We did not receive any card until around late feb-march. They did not have any member ID for us during Feb because it did not even generate it yet at that point. My question is are we able to ask for a refund for that month? We did not receive any card or number during that month and did not even get to go to the doctor's. Thanks in advance!""

Anyone have Mega Insurance?

It's supposed to be for the self employed. Is the high premium worth the benefits or even the coverage compared to other insurance companies out there (like e health insurance.com)

How much will my insurance go up?

about 3 months ago i got a ticket for going 23 over and went to court. the judge gave me a $40 fine and said if i didn't get another ticket for 6 months that the first ticket wouldn't be on my record. this morning i got a ticket for going 10 over. it was really stupid because i was going the speed limit and had cruise locked on but it was a downhill and i got going. the ticket is $20 and i dont have to appear in court. Will my insurance go up? if so how much should i expect. the judge told me last time that if the insurance company doesn't look at my driving that they dont send them notification.

Renters Insurance? What Kind? Is it really worth it?

I am renting a condo from a friend, got a good deal, just signed the lease, he recomended that i get Renters Insurance because he said damages I make to the place or to other owners in the condo I am responsible, even if something happens to me, the insurance would help. Now I would like to know any good insurance agents (e.g Geico) should i get Renters/or Condo , not new to this, want a good rate yet want good coverage for damage, fire, theft you know.""

Primary insurance?????????????/?

So I took my Daughter to the doctor today she is on ARkids. everything went fine at the Doctors but when i went to get her RX they said i would have to pay 81 dollars because of my primary insurance. I dont have Primary insurance she has only had ARkids. well they told me it was through her (sperm donor) father. that had not had anything to do with her for 2 years. she is 5 and when he did it was off and on. well how is this right I have custody of her. I can not afford her meds with his insurance making me pay. when it was just her insurance i didnt have to pay since it is his doesn't he have to pay? I dont know how to get ahold of him like i said no contact nothing for 2 years. she never gets sick.. i havent had to get her any meds or take her to the doc for like 5 mo.or more.

Where can I add my name to health insurance waiting list and what are average waiting times?

In our state we imposed rent controls 10 years ago to help the poor with more affordable housing, and apartments available for rent disappeared from the market for some mysterious reason. I spent 6 years on a waiting list and still my turn never came. To tell you the truth almost all vacancies are filled either through bribes or nepotism. One week ago our Governor imposed price controls on health care insurance premiums to help the poor with more affordable health care, and policies available for purchases disappeared from the market for some mysterious reason.""

Is auto insurance cheaper for trucks?

I have a turbocharged hatchback now, thinking about upgrading to a larger vehicle.""

I have AAA auto insurance and had minor 1st at fault accident. Will my rates go up?

I rear ended someone this weekend. Just a minor fender bender. My first ever accident!! UGH! Both cars with minor damage. There are a few scratches on their car. I have liability insurance through AAA, I've had my US license for a year and a half and am f/29yrs old. Have had a UK license for 10 yrs. What are the chances my rates will go up? I am insured on my husbands insurance and we have 2 cars so will insurance go up for both? I just want to hear people who might've been in the same kind of circumstances and if their rates went up and by how much! Thanks!""

What's the point of car insurance?

I've been paying my insurer monthly for several years. I have one relatively small accident where my damage doesn't reach deductible (so I have to pay for my damage out of pocket in full), they pay the other car which was around $1500 or so. They raise my premium for 3 years to an amount where in 3 years I end up paying for the other car anyway, and I still pay monthly as I have for all of the years before that... I'm trying to figure out how that's beneficial - outside of the fact that they paid upfront.""

Car insurance pay out?

Sombody hit my car the insurance wants to pay the value of the car. I can not get another car with the small amout of the pay out

How much would insurance be?

im getting a 1993 eclipse for my birthday and i have to pay for my own insurance, so how much are we looking at here for insurance? i just got my license and have a c/b average for my grades. we are going through farmers but when i went to the website it wouldnt work.

How can i find a low cost insurance for my car?what are deductable and premium?

i have a insurance for my car and i want to know if i can pay less for the same coverage (basic or minimum)

Classic / antique auto insurance in ny cheap?

Im looking to get cheap classic auto insurance. for a car thats more than 25 years old. Its going to be a show car, and rarely be driven. Liability only. I live in NY, so company must be available in NY, and be cheap. Thanks.""

""Cheapest car for insurance, and also cheapest insurance company in uk?""

hi, I have just passed my driving test, so I am looking to buy a car. As I am a new driver, I would like to get some tips and help about choosing a car that is cheap to insure and also a cheap insurance company. to give u an idea I have around 2000 to 2500 pounds to spare for a car and insurance. do u think it would be possible with my budget Please help.... thanks.""

Rsx type s or s2000 what cost more to insure?

I just got an 2002 acura rsx type s (clean tittle) or I have a chance to trade for Honda s2000 (salvage tittle) I am 16 fixing to be 17 and of course the car is gonna be under my dads name but i just wanna know how much its goona be since im part of the insurance

Will my homeowners insurance drop me if my dog bit someone?

So last week the side gate to my house was left open and my dog got out. She bit one of my neighbors down the street, I'm guessing out of fear (she is a rescue dog). The bite wasn't too serious, but it did break the skin so my neighbor went to urgent care to get bandaged up. We apologized and offered to pay any medical costs upfront, but my neighbor preferred to let our insurance companies handle the claim. My dog hasn't bit anyone in the past, and isn't considered a dangerous breed (labrador, border collie mix). We've let her off leash at the dog beach and dog parks with plenty of other dogs and people running around, and she hasn't shown any type of aggression. What I'm worried about is my insurance company dropping us from their coverage, and us subsequently having trouble finding homeowners insurance in the future. We tried convincing our neighbor to let us settle without getting the insurance companies involved, and explained the situation, but with no luck. Does anyone have any answers or advice about the whole situation? Should I make a claim first and let our insurance company know, or should I just sit and wait for the whole situation to play out? BTW I live in California and my homeowners insurance is Wawanesa""

17 year old male car insurance!?

I am 16 (soon to turn 17) and I already have my lessons and car sorted out. If I passed my theory and practical test first time I am looking at getting a 1.0L Toyota Yaris in mid-September. I live in Blackpool (UK). I have been looking at quotes and insurance companies for ages but I can't find a consistent price. I was wondering (roughly) how much my insurance would be with and with-out a black box and any ideas for which insurance company to go for?

Unemployment insurance in california?

Last year I was unemployed. To make a long story short, i took a job and was there for less than 2 weeks. I was forced to pray, and listen to scripture that was muslim. I am very understanding in all religions, but do not practice myself. I was very uncomfortable and left. EDD decided that i left without cause and that i did not deserve insurance. they made me pay back what they paid me and 30% more. I did so even though I didn't agree. Now that I am laid off again, I filled out a claim and got a response saying that I was eligible, and they gave me the forms to fill out for the first two weeks, the standard claim forn. I filled it out, and now got back letters saying that i am not eligible for benefits until i have filed a claim for each of the 5 weeks in which i am otherwise eligible for benefits. I haven't received new claim forms. I am assuming that I will get these, and I will fill them out for 5 weeks, and then they will pay me? So I am looking for clarification, after claiming 5 weeks they will give me my benefits? Thanks for your help, to anyone that has gone through this. It is so unfair! I paid them so much, for something I felt I was justified doing, and now I am still being punished! I would rather be working and not have to worry about this, but it is so hard to find a job :( not a great holiday.""

Help with insurance claim on exotic sports car?

My car ---an exotic sports model--- was damaged in a parking lot collision tonight. (My car was parked and struck by a guy who wasn't looking ahead.) Even if a 100% repair can be effected, the value of the car will be forever diminished because of the car's blemished history. People who buy these cars simply will not pay top dollar if the history shows any sort of collision repair. Of course the other guy's insurance is not going to want to give me an extra few grand to cover my eventual loss. What can I do to be covered? Would I have to sue for something like that? (Or CAN I, or SHOULD I...) As it is, I think my car loses AT LEAST $5,000, maybe $10,000 at resale (even with a perfect repair).""

How much would insurance cost for a 97 Mazda Miata?

I'm thinking about getting my 16 year old son a 1997 Mazda Miata with about 110,000 miles. I have 3 cars currently with state farm. I do plan on selling one car to buy the miata. I have a clean driving record myself. My son in an honors student. He has completed drivers Ed. He hasn't gotten in any wrecks yet. Any idea of how much insurance would be a month for him?""

Benefits of life insurance?

long term benefits of life insurance

Would insurance be cheaper then normal for this car?

Would insurance be cheaper then normal for this car, its a 1993 ford mustang 4 cylinder auto, because its old and a auto 4 cylinder? Plan is to insure it with the auto four banger in it, then do an engine swap imported v6 turbo, with manual transmission, new drive shaft, differential, exhaust, etc.. what they don't know.. they don't know lol""

How much should i insure my house for?

My house and land (combined purchase) cost $185,000.I have stainless steel appliances, (combined D/W, microwave, fridge, electric stove, central air and water heater. Furniture (contents) not purchased as yet and will be added later. How much should i insure my house for? *Note -land is not to be insured* Any suggestions on what i need to do, types of coverage and flaws to look out for? THKS for your kindness""

Maternity insurance or no insurance?

i was on my parents insurance and now they are going to medicare. so i am naturally kicked off their insurance. they keep telling me to not get insurance for maternity because it isnt worth it and we should just pay out of pocket. but what if something goes wrong and im stuck in the hospital longer than i need to be? my husband doesnt have a job and only i work but i cant get insurance through their company. we probably could save up and pay out of pocket but would using insurance be much better? i myself wont have insurance at all once they switch over to medicare so i have to find insurance for both my husband and i. plus possibly adding on maternity. so maternity insurance or no?

How muh would cost me a car insurance? i havent bought the car yet. i am a new driver.?

How muh would cost me a car insurance? i havent bought the car yet. i am a new driver.?

Do U think it's fair women's insurance is cheaper because they have an 'innie' and men have an 'outie'?

I see just as many women being careless drivers as men. Why should their sex organs have anything to do with car insurance?

How do obese/fat people get health insurance?

I am self employed and live in missouri and am having trouble finding health insurance.

Is the amount you paid for your car covered by full insurance if an uninsured motorist hits you?

A friend was stopped at a light when some idiot hit her car and totalled it! Although, she has full coverage on the car(she just recently finished paying off), the idiot who hit her did not have any insurance! The total she paid on her car was $13K. The insurance company only wants to give her the blue book value of $3000! The situation is even worse because the offending party have no insurance! Is the insurance company trying to rip her off?! What should she do to get back at least close to the total amount she paid for her car?""

Can an uninsured person get affordable dental care?

I have a deep cavity in my tooth. It's really starting to hurt me. I know it needs drilled and filled, but I barely make enough money to pay bills, let alone dental care. My job doesn't offer dental insurance, either. Is there anything I can do?""

What is the best and cheapest car insurance for me?

Okay so im 18 and im buying a brand new car all myself in about a month maybe less a kia sorte 2013 and of course i will need full coverage. I have good credit and i dont know anything about all this stuff i could use some help please...i just want to know what is the best choice for me i live in brownsville texas if that helps..

Is Bluecrossca a good medical insurance company?

is Bluecrossca a good medical insurance company?how much it charged in a year?is there any health insurance company better?anybody gets any suggestion?

How do insurance companies categorize cars?

How do they determine which cars is going to cost more than others... Which factor of a car means you're going to have to pay 1000 more than another... And why so expensive? After a while surely you've paid more than the cars worth?

Is there a cheap insurance company for teen driver?

My mom cant drive... so she doesnt know much about insurance. Im about to get my license and I was wondering if there's a type of insurance that is cheap and not too pricey... specially with a mom who doesn't have a high paying job?!?! I live in Texas if that helps

What is the average price of teen insurance?

What is the average price of teen insurance?

""My mustang was totaled, and now has been auctioned ,how do I get the miledge for the Insurance company?""

Im having a time with my insurance company,my mustang was torched by some thuds,I guess fro fun,It was a 2004,fresh off the show room,Im the only owner,I had very low miledge, I didnt drive her much due to taking care of my disabled husband, 40 th anniversary special, pony package and a few more items on it,red,beautiful car well taken care of. This is the problem, My insurance wants proof of the miledge,I kept my documents in the car, they had someone pick up my car and had it auctioned off,now I need to find out where the car is,I sure it was sold for parts, I need the miledge off the car,proof of the miledge.Insurance is offering me a lower price because a vehicle of that year compared to their reports have alot of miledge,well mine didnt.I am so upset because they never had someone come and look at the car,they could have gotten the milege with a little work removing the screen, can some one give me some advice,thanks""

Teen Insurance on Geico?

My parents have geico. I have a 3.65 gpa, i make good grades, no tickets, nothing. i was eligible for my license in november. what kind of discounts can i get ? what kind do they offer ? btw, i'm 16, going on 17 [not to sound like that commercial or anything] i'll be 17 in july. thanks !""

How much would insurance be?

im getting a 1993 eclipse for my birthday and i have to pay for my own insurance, so how much are we looking at here for insurance? i just got my license and have a c/b average for my grades. we are going through farmers but when i went to the website it wouldnt work.

Term Insurance vs Whole Life Insurance?

1. What is the difference between a term insurance and whole life insurance policy? Which policy is suitable for what kind of people? 2. What are the exclusions for term insurance policies i.e. death because of some reasons (for e.g. suicide) that does not entitle for insured amount? What are other such reasons? 3. Does term insurance cover accidental death, death because of terrorist strike or natural calamities?""

Cheapest auto insurance in Florida??

Just moved and need some ideas for shopping around for the cheapest auto insurance in Florida.

Who has the cheapest liability car insurance in California?

I live in the South Bay, and I am purchasing a car along with insurance. I just need a cheap insurance company because I will not be driving the car for long, as I am going to the Air Force at the beginning of next year.""

Car insurance for age 17?

Well going sound awkward but i want a car without out parents knowing, been working for 2 years got enough money can prove to insurers where i got the money from im 17 and is it possible to get insurance at my address (real address where i auctally live) but i want the paperworks to be sent to another address or they contact me by email because family wants me to get a car when im 25 however im going uni so i really need a car also im not going to any fraud everything will be legit just need to make sure if i can insurance and only i know about it thanks""

Best maternity insurance?

I was wondering what the best health insurance out there for maternity and child birth is? Right now I have pretty basic health insurance, as I am very healthy and don't need to go to the doctor often, but once I get pregnant (we're going to try in the next year or so) I plan on switching my insurance so that I'm paying the minimum out of pocket for all (or most of) those doctor's visits and labs, etc. What is the best provider/what type of coverage should I be looking for? How much did it cost YOU to have a baby (the actual medical bills) and how much should I expect to pay each month for my premium?""

How much does my car insurance go up if someone sues my insurance for getting hurt in accident?

my daughter was driving my car and got in accident (her fault) and the girl with her is suing, will my ins go up a lot more than just the four surcharges for an accident?""

Cheap auto insurance for 18 year old?

Cheap auto insurance for 18 year old?

Where is the best place to get an online car insurance quote?

Well, I just got a new car and need to get insurance. I was wondering what the best site is for insurance quotes and where I can get the cheapest insurance? Thank you in advance!""

How do you buy insurances?

I don't care which insurance it is, you look up complaints there is a looooong list about all of them.""

Insurance for moving to USA?

Myself and my partner are moving to the USA. We will need travel insurance and some health cover, and although we will both have health insurance with our new jobs, we will need cover for the first month and I am looking to see if I can find a travel insurance policy that provide the cover. Trouble is, the standard travel insurance I have seen so far assume that we will still live in the UK and that we just want cover for a months 'holiday'. One way travel insurance seems to stop 24 hours after we land in the USA Does anyone know of a one way travel insurance that will cover us for the journey and the first months stay""

What is the cheapest insurance for an 18 yo first time car?

i asked my uncle, he said it could be around $300 for 6 months, idk if it is true or not. but are there any cheap insurance? idk, please help. if i want to buy a new tundra, how much it does it cost?. i work full time. $3k/month.""

Do I have to pay more for my 16 yr old to drive?

Do I have to pay for a different auto insurance policy (that costs alot more)here in Oregon to allow my 16 year old son to drive our vehicles? I was told by a former ins agent, this is a scam to get more in premiums, when it is not required by law.""

Insurance quotes for a 2006 Mitsubishi Eclipse ??

i'm 16 and i need to know where i can go online to get a quote, without people calling me. i just want to know how much it's gonna be every 6 months or every month, etc. online .... THANK YOU ALL !!!!""

What would be the insurance on a DeLorean for a 16 year old?

I'm about to be 16 and I'm a total Sci-Fi geek. I LOVE Back to the Future and ever since I've seen it I've wanted a DeLorean. Well we know someone who could get us a new one cheap, so that's no problem. My only concern is the insurance, and my parents aren't up for that. I don't know how much it is, but if someone our there is actually credible on the topic, could you give me a reasonable answer with a high and low. Thank you to all who answer :)""

What is a good health insurance for a college student?

I am a college student looking for good health insurance. I understand insurance is not cheap but i was wondering if someone could help point me in the right direction!

How much have your insurance rates gone down since the affordable care act (0bamacare) has passed?

You know , making it more affordable to keep the coverage you want ? Bonus question . How has the Medicare your parents paid into their whole lives improved their ...show more""

Insurance for 2001 celica?

considering everything else equal (age, experience, w/e), how is the price of insurance for a 2001 toyota celica compared to cars of the same price range? eg accord, sports cars, compact cars, midsize""

Why is health insurance so high?

I live in Idaho, I'm a college student, work part time and my wife works full time. We bring home about 1900 a month. Rent is 540, my car + insurance costs 150, gas is about 175 (my wife commutes to work) and groceries are about 300 every month, phone + internet + electric is 175. I have to have medical insurance while I goto school except it costs $250 a month. HOLY CRAP it's alot, and I still have to save for tuition, we usually only have 200-300 a month left over. Why is health insurance so high and what can I do to get it lower?""

Who insures a teenage driver when the parents are divorced?

We are getting ready to add my stepson to our auto insurance. He does not have a car yet, but when he does get one it will be in his father's name. His mother as far as I know has no auto insurance. She drives a car that belongs to her parents and I assume they insure it. This is the living situation and what is in place legally at this time. The mother is the primary custodian of the child. However, he resides at our house 85% of the time. My husband has educational gaurdianship so that he can attend school in our district. I have researched this and what I have found is that the parent who has primary custody is the one who adds the child to insurance. Then I also read that the parent with whom the child resides the majority of time carries the child on the insurance. I am just trying to prepare and educate myself before having to deal with the ex-wife. Money is not the issue as the child will be required to work and pay for his own insurance (our house rule). Has anyone ever dealt with anything like this?""

Car insurance question?

I live in indiana and my friend lives in texas. He has car loan for a car but is going to let me just take over the payments. The loan will still be in his name but I will be paying for it. Can I get the car insurance under my name??

How do I find out my car insurance rates before I get a car?

I haven't bought a car yet because a lot depends on how much insurance will be. I'm a 27 single female living in Boston, I've had a license since 18 but never drove so it expired and I recently renewed it. I don't have anything on my record. I would be the only person on the insurance. I went online but they required the make and year of your car to calculate the rates.""

Insuring A Range Rover For An 18 Year Old?

Ive been driving for a year now, and i have 1 year no claims bonus. (aged 18 and male). I am going to university for three years, and for the first of those three years, im NOT on the insurance. How much do you think a Rangerover sport (second hand costing about 9,000) would be costing me in UK insurance third-party? my current car was fitted with this mileage thing, which also lessens the amount i pay (NOT A BALCK BOX).. but roughly do you know? thanks.""

What is the cheapest DUI insurance in california for a male when i become 18?

I just want liability for other drivers and i will get a crappy car so i dont need coverage for it. & I am 17 now. Am i able to get insurance if i don't have someone 18 or older sign for it? any ideas? Thank you

What is the cheapest car and year range to insure for 18 year old?

My wife is 18 and got her license a few months back. What would be the cheapest car and of what year range, if insured in the USA? Which insurance companies insure 18 year olds, as I am aware most dont.""

What should I do when the at fault party has no car insurance?

I got into a minor car accident, it was the other party's fault but he doesn't have car insurance. Because it was a rental car, my own car insurance is not going to cover. ...show more""

How much would insurance be?

im getting a 1993 eclipse for my birthday and i have to pay for my own insurance, so how much are we looking at here for insurance? i just got my license and have a c/b average for my grades. we are going through farmers but when i went to the website it wouldnt work.

https://www.linkedin.com/pulse/albemarle-north-carolina-cheap-car-insurance-quotes-zip-teresa-styron/"

[blogdangerousobjectcollecto-blog]

Can I have both employer provided insurance and obamacare insurance?

"Can I have both employer provided insurance and obamacare insurance?

The cost for 2 adults through my employer is more than obamacare. The cost for 1 adult is cheaper through my employer. I figure it would be cheaper to pay for 2 adults under obamacare, get the tax credits, and have the employer provided insurance for 1 adult with much lower copays and better coverage. so just want to be sure I can have both right, my employer provided insurance for me and obamacare for my spouse and I?

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

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I got a ticket for improperly changing lanes and I'm electing not to go to traffic school (since I only have one more chance for traffic school based on two times/year) for such a minor offense. Would it make sense to skip 8hr school ($70.00) or would I end up paying more in the long run because of my 3 points?

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

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

Car insurance?

My auto insurance has expired and I'm kinda looking for a new car insurance. I can extend the previous car insurance, but I just want to know about other car insurances as well so that I can make a good choice. I took a look at many car insurance company websites, but it seemed like I need to put all my personal information (not only about my car and my email address but also my home address, phone# etc) to get a quote. I'm worried that maybe they would send me all kinds of junk mail kinda stuff to my house if I put my address on the form to get a quote. Do you know any good ways of getting a quote without telling them my personal info? Any recommendation which car insurance company is good? Btw I've never got into any car accidents so I just need a cheap auto insurance. I drive '83 caddi.""

What is the cheapest car to insure for 17/18 yr olds?

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First time car buyer...getting car insurance.?

i am about to buy my first car and of course i will be getting car insurance. i won't be getting on anyone else's policy. what should i expect when getting insurance? do i have to pay a bunch of money up front?

What trackers reduce car insurance for young drivers?

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What are some cheap Auto Insurance Quotes for Oregon?

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""I don't get insurance at all, like car insurance health insurance, etc?""

Yes, I know it is kind of a stupid question to ask but I really don't get it at all. I know there are different types of insurance like life insurance, health insurance, car insurance, but.... 1. what other types of insurances are there besides the ones i just listed? 2. does the insurance company pay for everything and do you have to pay them back? 3. how hard is it to find insurance? 4. what is the different between health and car insurance? 5. how do u get insurance? does it matter if ur poor or rich? THANKS! I know this is kind of random :)""

Insurance costs for a new driver insured on own car in Canada?

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Car Insurance Question?

I am currently a provisional driver, and to insure my car it would cost me 999. Once I past my test it will cost me about 4,000 to insure the same car. If I insure my car as a provisional driver now, will it be the same price when I pass my test, or will it be a lot more expensive like it is now? I really don't want to be paying 4,000 to insure a car :S""

Cheap car insurance for 18-year old male?

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Will my car insurance be void?

A few days ago I ran into the back of someone in my dads car. I am insured as a named driver. I am accepting liability but upon looking at our insurance certificate the mileage i said the car would do per year is much less than Its done. Will my insurance check this when the other party claims on my insurance? It was a genuine mistake when purchasing the insurance and I'm worried it may void my insurance when they check. I also find out today that a passenger in the car has a sore shoulder despite it being no faster than 5mph. What happens if my insurance is void and the passenger claims whiplash? Advice greatly appreciated

What car insurance company is best for an 18 year old?

I am 18 years old and am going to attend college in late september. I have practiced driving and am working on my license to live on campus. I know car insurance is expensive but I just want to know which would be the best coverage if I get into a collision and would be the cheapest. My mom said it would cost about $300 but that sounds crazy :/. I know Im a new driver but why would it be that expensive? It sounds hard to narrow down considering all the possibilities but Im new to this whole world of cars and insurance. My parents wont help me out at all. In fact, Ive been saving up for when this moment would come. I saved up $606. Plus, Im going to apply for a part time job at my college that will pay $10 an hour. I should be making about $120 a week which would be like $480 if I dont spend my money on stupid stuff which I wont. So basically, $480 is my budget. Well it might be a bit less. I have to eat too so I guess I could live off of 80 dollars of food. So that would be leave me with 400. As you can see, im really struggling to try and work out a plan. If you could give me some opinions that would be great. Thanks for reading what I have to say :) -Nick""

BMW car insurance?

my car insurance doesnt provide anything with mechanical problems, is there any other way on this or is it a dead end?""

Best insurance company for a 16 year old driving a v6 or v8 camaro?

best insurance company for a 16 year old driving a v6 or v8 camaro? my thought is that while a v6 camaro might be reasonable to insure a 16 year old driver with, the v8 wouldbe some unuearthly figure in the 8 digits. i know its based on SO many things, but im just asking if anyone has a HUNCH about what insurance company is the best/cheapest for a teen driving a camaro? assume its a v8, ad it cant get any worse if it ended up being a v6, if you know what i mean. btw dont say american faimily. they wont even insure a person with less than 5 years driving experience driving a v8 camaro AT ALL, let alone at a huge rate. finally, do you think there is any way on earth for insurance for a 16year old driving a (2000 lets just say for example) camaro v8? including all the little bonuses like good grades, clean record, etc. all of which i have. thanks so much for your answers! they REALLY help!""

What is better Subaru WRX Impreza turbo or Holden Commodore V8?

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Do all pharmacys run your insurance?

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Is financial indemnity a good insurance carrier?

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I am a part time student and i have a part time job that i am trying to turn into a full time job in the near future however I am afraid that when i turn twenty-one at the end of this week i will be dropped from my parents Insurance and be left high and dry. Can i stay on my parent's insurance if i am only a part time student, and if not any suggestions for what to do would be greatly appreciated thank you.""

Can I have both employer provided insurance and obamacare insurance?

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How much is your car insurance?

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Car Insurance Payments?

Is the car insurance still in act even if I don't pay for it on the day the payment is due, or does the insurance stop and resume until I pay for it? And, if I don't pay the car insurance on time, will they charge me until I pay them?""

Do you have NRMA car insurance?

If so, you may receive a phone call from people with overseas accents claiming to be from Australian Injury Helpline They will ask if you have had a car accident recently and then offer to get you injury compensation, even if you were not injured. A male caller may claim to be Garry from Aust. Injury Helpline. I received a call like this the day before yesterday and at first I though it was unfinished business from a minor accident i had in June last year in which there were no injuries. This is a scam. According to a worker at the genuine helpline, the scammers have somehow got a list of NRMA insurance customers and are auto-dialling them. They do not know what your name is and they do not know any details of any accident you may have had, or even if you have had one. If you receive such a call, the genuine helpline people would be grateful for any solid evidence you could give them. http://www.aussieinjury.com.au/""

Cheap car insurance is all I need.?

Cheap car insurance is all I need.?

Need insurance quote for 73 Mustang Mach 1?

I would just like to get an idea from a person who knows a lot about insurance at what I would be looking to pay. It's the long weekend here in Canada and no insurance companies are open, and I cannot get a quote online because of the year of the vehicle. What I am looking to buy is a 73 Mustang Mach 1. I am 21 years old. The car value is 15,000 It will be driven less then 1000KM a year No substantial modifications. I haven't had any speeding (or otherwise) tickets I will be the primary driver. Vehicle is in good shape Um any other details I am missing? let me know.""

Would it really cost me a lot more insurance?

I have a 93 camry and I'm trying to look for a new car to replace it. I asked my insurance company about the cost of insurance for a 2009 honda civic EX sedan 4 door and it was 536 every 6 months. Researched that car more to find out it was in an accident so scratched that car out of the picture. I found a 2007 honda civic EX coupe 2 door and no accidents and i see nothing wrong with it. They are both EX but the coupe is older. Would the insurance be much of a difference?

Am I already covered under my parents car insurance?

I just bought a car and my parents said they would take care of the insurance so they put my car under there names when I explained I needed to be under it my mom said its too expensive and it fine as long as u have insurance she's wrong right?

Health Insurance company?

I m looking for the health insurance company in india, can anyone refer me the trust able resource for the health insurance!""

I need help with car insurance !?

i am a young driver and i am am hoping to go on my mothers insurance but only for 3 or 4 months as i am going uni soon, i wanted to know how flexible it is to go on her insurance and them remove my self, what are the financial implications this may cause ? i already know it may cause the premium to increase but will this premium decrease back to her existing premium once i am taken off the insurance ? i would also like to pay monthly while i am on the insurance as i am likely to be quoted 1000+ for the year! so after 3 months payment i will take my self off- if this is possible once i am taken off the insurance will my mums premium go back down as she currently only pays 350 for the year please help i know this sound complicated but i will be grateful for any feedback""

Whats the cheapest auto insurance for California?

Whats the cheapest auto insurance for California?

""A good car for 2000, Cheap to run but not bad looking.?""

Right as the title suggests. I am looking for a new car which is a cheap insurance group (7 max) and a cheap tax band. theyre would be leeway on the right car. Now it has to be good looking i am a 23 year old bloke and don't want to be driving anything boy racerish equally anything which is quite old looking! If anyone can help, many thanks :)""

Will auto insurance find out about my ticket?

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

What is a cheap health insurance for a student fixing to go trough nursing school?

I got accepted into nursing school and need health insurance. I do not believe there are any guidelines as long as you have it. I do not have a lot of money and need some affordable health insurance.

Does any one know about cheaper auto insurance for single parents at state Farm. ?

im 19 years old with a 2 year old, and a agent told me my quote is 250 a month for full coverage on a lease. FYI I only had my license for 3 months and in nj insurance is way high. he says state farm has a program for single parents, that is why its much cheaper for me......im not sure if it is a scam and will the state of nj charge me once they find out i am paying so little.""

Car insurance for a 17year old girl..please help?

so im just trying to find out an estimate of how much it would cost to get insurance on a 2005 Ford Mustang. Im 17 years old and i have very good grades....my parents are freaking out saying it would be too much money. can someone help me out in price ranges please?! thanks

Where can I get temporary van insurance?

I'm looking for temporary van insurance for my van as I want to drive it to Spain for a few days but don't use it enough to warrent paying for a year's insurance. I would also need european breakdown cover, so if someone could help with that as well, I would be very grateful.""

Which parent must pay for my car insurance?

My parents are divorced, and live in different states. I live in Florida with my mom, and my dad lives in Virginia, unfortunately. Anyhow, I get my license Feb 4th, and I'm also getting a car, and my mom is forcing my dad to pay for my insurance on top of my child support and various other fees she hits him with. My question is, can I be on my dad's insurance policy even though he lives in another state, or do I have to be insured under my primary possessive guardian(my mom) whom which I live with. Because if not, she is demanding that my dad pay for my insurance, full, a year beforehand, which at my age is close to $2,000. Thanks :)""

When should I buy life insurance?

I'm 23, one year out of college, living at home with my parents and working full time. I have no dependents. Is this the right time in my life for purchasing life insurance? I don't anticipate starting a family for another 5-8 years - is it wise to lock in a level term or whole life at my age or is it just fool's thinking?""

Can you get car insurance for 1 day?

Im 18 years old and i have 1 years no claims. Is there a company that will insure me on a car for one day?

What is cheap auto insurance?

What is cheap auto insurance?

""I totaled my car and it was my fault, how much will i get from my insurance company, please help??

i wrecked my car and its totally non fixable and i do not know how the insurance works and i want to know what to expect on how much i will be getting back!?

Can I have both employer provided insurance and obamacare insurance?

The cost for 2 adults through my employer is more than obamacare. The cost for 1 adult is cheaper through my employer. I figure it would be cheaper to pay for 2 adults under obamacare, get the tax credits, and have the employer provided insurance for 1 adult with much lower copays and better coverage. so just want to be sure I can have both right, my employer provided insurance for me and obamacare for my spouse and I?

2002 LEXUS IS300 price of full coverage insurance?

im looking at a 2002 LEXUS IS300 and now im just wondering what the price of full coverage insurance is before i buy it.And if you have owned one of these cars maybe you could give me a review of it,like what kind of repairs so far while owning it,is it reliable?.just wondering because i dont wanna car thats known for having engine and tranny issues, oh and how does ride .any way im just wonderin what other people opinions are on it.""

Does anyone knows of a good Health Insurance in Florida?

HMO, PPO or whatever... I need to know asap. The work insurance is horrible!""

If I wanna get car insurance in PA do I have to get my license there?

I want to save money by getting my car insurance in Pennsylvania do I have to get my license there as well or does it not matter. Also how do insurance companies verified the address you provided is your actual address.

Insurance for a 2003 F-150?

Hi, i am 18 yrs old, im wanting to find out how much i would expect to pay for a 2003 f150 on insurance. Or what is the best insurance company that works with you and is not as expensive just because im 18. And how much do you pay for insurance on your ford f150? Thank you!""

Does my contractors liability insurance cover roofing subs?

Does my contractors liability insurance cover roofing subs?

What is a good type of home owner insurance to get?

I may be purchasing my first home on a land contract from a person that i know that owns the house out right. the land contract would be a five year contract or sooner if i can afford to pay the house off. i have lived in the house at one time, not for sure about a few things on the house. i was wondering if anyone may know of a website or a website that may give an estimate quote on home owners insurance on the home i may be buying. i wanted to get some idea of how much it may be and what home owners insurance covers. i have looked at a few websites, but there are a lot of different things to include in insurance and different requirements that may need to be met before the house is insured. the house is a bit of a fixer upper and needs lots of tender loving care before its decent. its livable but i need insurance if i buy it. the owner who is selling isn't requiring insurance, but i want to be smart and safe and have insurance. any suggestions? i must give an answer to the owner tomorrow, because i know he has others wanting to buy. i don't want to get into something that i have no clue about before purchasing. i am looking and getting the idea, but was looking for tips or more info. thanks""

Does full coverage auto insurance usually cover a large tree branch denting your car?

My husband just called from work to tell me our car has a huge dent in the passenger side. Sure enough, there is a large branch of tree in our drive way. Before I call the insurance I wondering if you know this answer to this so I can know what to expect. I am with State Farm and have full coverage.""

How much would my insurance cost?

I can't seem to get some of the online quotes to work?? I'm 21, have been driving since I was 16, with NO blemishes on my record. I (will) drive a 2006 Acura TL. Just a ball park number. Thanks!""

Ford Fiesta Zetec s 1.6 Insurance?

turned 17 and just passed my driving test living in london. was thinking of an Ford fiesta zetec s 1.6 Xreg Shape? however is the insurance cheap on it ? or are they any other 1.6's + that are cheap to insure at this age? e.g. E36 318i?

Know of somewhere cheap which will let me drive a car for only a few months for people under 21?

I've recently passed my driving test and would like to drive a car for a few months before I go to Uni but there's no where I can find with a few months insurance (fairly cheap) and a car I don't need to buy in full. I'm 18 which makes it more difficult Any help would be appreciated!

Help with car insurance........................

i am 16 but when i turn 17 i want to pass my driving tests. my worry is car insurance. i want to buy a little car like Peugeot 206 1.4 or something similar but i have checked insurance companies and their quotes are ridiculous so my dad said that if i give him the money to buy the car he can then insure it on his insurance and add me as an additional driver so i can sometimes drive it to my mates or whatever. i have heard of something called fronting and i was just wondering if then we would be doing that or would everything be legal. thanks in advance Matt

Do cheaper old cars make insurance higher?

Ive been looking up cheap old cars such as 1995 peugeot 106 the insurance is still over 2000! is it because im looking at cars that cost 400? Im looking for a really cheap car to buy and has the average insurance price any suggestions ?

Im 18 how much would insurance be on a 2006 330 i bmw?

Buying it

Just a question about Geico's insurance rates versus their advertisements?

for as long as I can remember Geico has always used the advertisement pitch about how much money you can save with them. What I'd like to know is there some kind of communication breakdown between their marketing and pricing departments? I decided to get a Geico quote once, I was 27 years old at the time male unmarried and a spotless driving record. they quoted me like 800 dollars for 6 months!!! at the time I was using Nationwide where is was paying a hair under 500...a YEAR!!! yes this was the exact same amount of coverage/ deductible car everything. everyone else I know has had similar stories about Geico's rates. so tell me if anyone knows when the speak of 'all the money you can save' with them, just what the hell are they talking about? where do they get their facts at?""

I got into a minor accident and decided not to get it fixed so the insurance company is sending me out a check?

but with the lien holders name attached, how does this work?""

Health insurance system in USA?

Hello. I live in Japan. I am Japanese. Sorry for my bad English. I ask everyone. About Health insurance is. When I got sick,I show a health insurance card at a hospital. I pay medical costs of 30% in Japan. For example,medical costs is 10000yen,I pay 3000yen at a hospital. NO card,I must pay 10000yen(100%) How about health insurance system in USA?""

Car Insurance and clueless teenagers?

Considering the kind of questions we are getting by 16 year olds regarding car insurance we could safely assume that they aren't ready to drive at all! Maybe raise the minimum age to 18? Might even save a few lives!

HOW MUCH can my insurance rate rise up after hitting another car? backing up i hit the front right bumper/ligh

I live in California and I have full coverage on my vehicle currently I am 26yrs old and have about 6 yrs with my Dirvers license and NO accidents or tickets on my record. BUT a lot of people mention that my insurance rates will go really high whn an accident happens. I hit the car behind me it donsnt seem to me a a major accident, but a small one. I need help just an advise to know what to expect, please!! maybe in an expert can advise.or other personal experience by someone?""

How much will my insurance cost?

Im 18 and wanting to move out this august for college. The apartments im looking to rent is on average about 500 a month for me and im trying to figure out how much a month its going to cost me to live on my own. I have a 2002 Chevy trailblazer which is completely paid off. I dont know what insurrance company my parents have right now but i know for sure its not geico or progressive. I think its like blue shields or something or other. Any help is areciated! Thanks in advance!

""Just bought a used car, can he temporarily get away with liability insurance?""

My friend just bought a used car (2004) with a loan, of course they want full coverage insurance but the quote from progressive was outrageous. He can't pay it this month, but says he can budget it in for next month since he took on a 2nd, part time job. He wants to call another company and get liability insurance on it, at least for a month, is that possible? I know they run the car information pretty quickly, but what could they do?""

What is the Average Insurance cost on a Snowmobile?

I was going to buy a 1972 moto ski Snowmobile, And i'm 14 and inexperienced on them.. How much do you Figure the Insurance would cost? (I'm not going to call, you don't need to know why.) And i'm in southern Canada.""

How should I calculate when to change from full coverage auto insurance to liability only?

Currently driving 2004 F-150 with 110,000 miles, carrying full coverage insurance. When should I switch to a liability only policy?""

How much does Toyota Prius insurance range from?

How much does insurance cost on a Toyota Prius

I have an insurance question?

I was a passenger in an auto accident, and I am supposed to receive a payout from the drivers auto insurance. However I am concerned whether or not my heath insurance(who paid for my medical bills), will be able to access that money that was offered to me by the auto insurance company. Will they be chasing after the money for reimbursement?""

How much would car insurance be for a 16 yr old driver in indiana?

I took drivers Ed and have good grades just wondering like an estimate of how much it will cost Also what is the consenquence for driving wit no insurance

Can I have both employer provided insurance and obamacare insurance?

The cost for 2 adults through my employer is more than obamacare. The cost for 1 adult is cheaper through my employer. I figure it would be cheaper to pay for 2 adults under obamacare, get the tax credits, and have the employer provided insurance for 1 adult with much lower copays and better coverage. so just want to be sure I can have both right, my employer provided insurance for me and obamacare for my spouse and I?

https://www.linkedin.com/pulse/affordable-term-life-insurance-medical-exam-blake-weber/"

[blog-optimisticcoffeestuden-blog]

If my house burns down does the insurance write me a check?

"If my house burns down does the insurance write me a check?

no mortgage and the agent that I talked to today for a quote said they use replacement value of about $100 per sq. foot.   They do not use tax assessed value.   On contents they said they would ask the home owner what"" they lost""""

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

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Does your parents car insurance increase when you get a drivers permit?

question above

Why does Obama want my health insurance to cost less?

This is wrong. If I work 2 jobs and I get cancer I should be allowed to go into bankruptcy from the medical bills. That's why I support Ted Cruz and Rick Santorum to actually lead this great nation out of affordable socialist health care and into more defense spending. Our brave patriotic men and women overseas deserve more advanced weaponry.

What are the best/ cheapest private health insurance providers in wisconsin?

23 yr old male, good health medical, dental, and vision plans? Thanks!""

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""Out of these cars, which one will have the cheapest insurance?

Suzuki Forenza 2007 Mazda3 2005

""Someone reversed into my car, is it better to go through maaco instead of insurance? its jus ta minor scratch?""

i was at a stop sign and i was abou tthe 4th car, well the 3rd car decided to reverse to leave and backed up and hit the front of my car. its not really that bad but its still a big scratch. is it best to just have her pay my estimate at maaco? or deal with insurance? i don't want to get jacked up insurance rates because someone doesn't know how to reverse.""

Flood insurance?

Will the poor people who have suffered Flood Damage have a problem with the Insurance Companies. I ask this question because a Friend of mine had Gazebo wrecked in recent storm. Insurance Company refused payment on the grounds (ACT OF GOD)

Cheap birth control pill without insurance?

I am currently on Sprintec and its not working well for me and I would like to switch. The problem is I'm on birth control behind my parents back and cannot use their insurance to get birth control. I pay out of pocket in cash at walmart pharmacy $9 a pack for Sprintec. Are there any other birth control pills i can get for around the same price without insurance?

Car insurance__________________?

How much do you pay for car insurance? (in a year), mine is going to expire in november (november, 30) when I am supposed to go to the agency to renew it? Can I go for example on november 1st?""

Car insurance?

Is insurance cheaper on older cars?

Car Insurance when selling Car?

Ok the situation is as follows: I am selling my car for a new one. I have asked my current insurer to transfer my policy to the new car which is fine. However I then questioned about temporarily insuring my old car under the policy and they wanted a ridiculous amount of money for a week - I also do not know how long it will take to sell the car. I questioned the amount and asked what customers generally do when they wish to keep an old car insured. I was told that I could drive my old car on a 3rd party basis as my policy going forward covers me fully comprehensive. I thought fantastic - but then I was shocked when I was told that if I drive the car it is insured 3rd party only but as soon as I park it up somewhere it is uninsured and could be towed away by the police. I have since read my policy document which claim that I can drive any other car 3rd party providing I do not own the car and that there is already insurance in place? Can anyone clarify the above or provide advice. I am so confused and unfortunately are unable to call my insurer back now or over the next couple days? Thanks in advance

Motorcycle insurance for 20 yr old mn?

I'm looking at getting a motorcycle and was wondering what it would cost me. I don't have any tickets or anything. My record is clean and I was looking at either a Kawasaki ninja 250 or 500r that would be like a 2005. Maybe a 750ccc cruiser. What difference would there be between the two types of bikes and about what would I be looking to pay?

Car insurance loopholes?

Are there any loopholes or 'tricks' I can employ to lower my car insurance? I'm 19, and the quotes I am getting are between 4000-5000. It's obscene, especially when my motorbike does 0-60 in 3 seconds and has a top speed of 160mph yet it costs me 350 a year to insure. Apparently I might not be able to 'handle the power of a Vauxhall Corsa'. Car insurers won't even take my 3 years motorcycle NCB into account. Is there anything I can do?""

I dont want to pay for car insurance... is there any way around it? LOL?

I know it sounds crazy and I need insurance but is there anyway to avoid paying it... at least for just a month? I have the cheapest plan possible but its still killing me financially every month! Do you think allstate has a low income program? Do ANY of the insurance companies....?

""Im 17,i need help with my car insurance?

im 17 and car insurance at my age is really expensive but about 9 months ago i went to an insurance agency and they gave me an reallllllllyyyy good quote well something happen and had to cancel my insurance with them now i bought a new car and i want to knw if i can go back to them and get the same good car insurance price because ive been shoping and geting quotes online and its sooo dang expensive

Insurance on salvages autos? hw much?

i was just wondering if its possible to get insurance if i buy a salvage car from private seller? how much would the rates be? anybody has any idea? is it possible to get comprehensive insurance for a salvage car? well you cant get insured then how can you drive the car around ! doesnt make anysense right!?

Who needs life insurance?

At what point in life should one stop buying term insurance?

Trying to get public liability insurance?

I am a self employed sub-contractor for a drylining and plastering company. I am trying to get public liability insurance but every single insurance website or insurance comparing website keeps asking me for my business details and address and whether I have any employees and how long business has been trading etc....obviously none of these are applicable to me as I don't own and run a business but can't complete the form without the details. Can any other sub contractors tell me how they filled theirs in?

How much should I pay for car insurance?

I own a 1994 Camry XLE. 215,000 mileage. How much should I pay a month for some decent insurance?""

Has anyone had to reimburse your employer for health insurance?

my job comes with insurance i recently had to have surgery and was off work for a few weeks and now i have to repay them because i am not there to work and they want me to pay them back . i went with out pay as well is this normal??

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

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

How does one go about getting insurance?

ok I know there is some different insurance types out there like health car etc etc but i want to know how do you go about getting it! see I'm 15 years old I know i shouldn't worry about this now but it just seems like a good idea to ask the question now this one lil question has plenty of other questions with it how many different insurances do you need to have? what should you look for in Insurance? how much is insurance? what is an insurance rate? and the title of this question how does one go about getting it? on that last one I really need a detailed answer because I am 15 I just got back in school so my brain is a bit mushy and not so quick XD and way like I said I'd really like a detailed answer on that last one heck if ya role play it out with your self for me then that would even make it easier so the more questions you answer in this (with a good answer mind you) the more likely I am to choose you as the best answer!

Honda CBR 125r... Insurance price for a 17 year old?

(UK!) I'm really interested in motorbikes, and in 18 months - the painful wait - I am looking at buying my first bike, a Honda CBR 125r. Due to the low horse power of the bike, I can ride it with just a CBT after my 17th birthday if I'm not mistaken, which will reduce my costs as I won't need to take lessons and a test. With leathers, helmet, boots, gloves, CBT, as well as the bike, I worked out I would need to save at least 2200... However, I have no idea what insurance would be. I understand insurance prices fluctuate according to location etc, but I have no idea at all. So even a completely rough estimate, even if it could be out by 150 would be useful. Thank you for reading, hope you can help. :-)""

BEST HOME INSURANCE for a town house in allwntown Pa in the USA?

What would be a good home insurance for my town house in allentown PA.. i am looking for something good and affordable ANY IDEAS

Can someone else put insurance on my car?

I have two cars and one of them is parked right now due to gas prices. So I took insurance off of it for the time being. One of my friends car is messed up and she does not have a ride, I am thinking of letting her borrow my car until she can get hers fixed. So can she put insurance on it and drive it?""

If my house burns down does the insurance write me a check?

no mortgage and the agent that I talked to today for a quote said they use replacement value of about $100 per sq. foot.   They do not use tax assessed value.   On contents they said they would ask the home owner what"" they lost""""

Cheap auto insurance?

Where is a good place to get cheap auto insurance? Im a 22 y/o female that lives in CA. I need full coverage (liability, collission and comprehensive) on my 2003 Honda Civic. My driving record isnt too bad. Thanks in advance.""

What are the local home insurance rates for London?

I am trying to do a project for a public health class and I was wondering what the home insurance rates for someone owning a home in London? It would be awesome if you knew about how much it cost around the Tower Hamlets area. Also, if you do know about what percentage of people have home insurance in London, that would be greatly appreciated. Thank you!""

""Hi i'm 21 no previous driving experience, how much will my bike licensce and insurance on a 125cc-200cc cost?

im considering doing my bike test and just wondering how much it would cost to insure a 125-200cc road bike? Also how much does it cost on average pass your bike TEST THANKS VERY MUCH ANSWERS WILL BE APPRECIATED!

Cheap insurance for 23 year old?

Cheap insurance for 23 year old?

How does car insurance work??

Is it a monthly thing or do you pay it all at once? How much will it be AVERAGE for a 17 year old girl in canada? I know other things apply but just give me a rough estimate cause I have to idea if it's $200 or $5000.

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

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

How much would it cost (roughly) to insure a MG TF 1.6?

I have just turned 17 and I'm aware that insurance is going to be rather costly.

Would car insurance go really high if you got a mustang?

I'm 16 thinking about getting a 2000 mustang 150,000 miles clean driving record I have state farm. I didn't know if a mustang would make it jump to much high than just an average car.""

Is kit car insurance cheaper?

Hi, Just wondering if kit car insurance is cheaper than normal insurance for a 17 year old?""

Can I get temporary car insurance for 3 to 5 days?

I'm not currenty insured because i go to San Francisco state and dont need a car, im going to florida for thanksgiving and ive got my old car out there, but my parents wont let me drive it unless im insured..""

""1.6L car for 17 year old, what company insures this size engine for new young drivers?""

UK i cant seem to get insurance for a 1.6L car, ive tried 2 companies and they say get something 1.4L or less. ive already got this 316i so i dont want to sell it for another, what insurance company should i try? DONT say 'go to gocompare.com' or 'confused.com' or 'comparethemarket.com', ive tried all that.""

Which minivan has the cheapest insurance for a NEW driver?

looking at second hand minivans - been doing some rough online insurance calculations but so far all above 1000. any body know any minivans which will have a low insurance for a NEW driver

Will my car insurance increase?

If I got pulled over and received a ticket for disregarding a stop sign and I choose to attend traffic school will my insurance go up?

Who gives the cheapest car insurance for a nissan skyline import?

Who gives the cheapest car insurance for a nissan skyline import?

Lower Home Insurance Quotes?

Would having a new roof, windows, garage door, updated kitchen. increase or decrease homeowner insurance quotes??""

Drunk driver ran into fence of ours and his insurance wont cover full cost to replace...what can we do?

recently, an underage drunk driver ran his car off the road and into our fence and tore up about 100 feet or so. we had a company come give us an estimate of around $1000 to fix which includes material and labor...the insurance company of the young man that ran into our fence is only willing to pay around $600 because they are saying that the fence is 15 - 20 years old and didnt cost that much back when it was built.....now, i have a huge problem with this...is it our fault that a drunk driver ruined our fence...should we have to pay out of our hard earned money the rest to make sure the fence is put back? is there anything we can do about this? any feedback is helpful....im so mad i want this to get nationally recognized!""

Good car for a 18 year old thats cheap on insurance?

Hi, i just turned 18 and recently have been looking in purchasing a used car. my budget is about $5000 and I will be able to afford my own insurance. I dont want a very low quality but i also cant afford a mercedes. So what do you think i should look at? I live in Ontario Canada btw.""

Aviva 15 weeks free car insurance?

does 15 weeks free car insurance mean i pay nothing for 15 weeks,.. or just pay the deposit then free 15 weeks,.. also what does total charge for credit mean and when does it get paid? thanks""

What do small business owners usually get for affordable health & dental insurance for themselves?

What do small business owners usually get for affordable health & dental insurance for themselves?

What cars are cheap to insure?

What cars are cheap to insure for a 17 year old male living in the City? Like what brand and what specific car? List me a few. Thanks

Does my liability only motorcycle insurance cover a bike I test ride?

Does my liability only motorcycle insurance cover a bike I test ride?

Car road tax and insurance costs?

Can anyone direct me to a website which will tell me the insurance group or cars. Also one which will tell me how much road tax per year. Looking to buy a car but would like an idea of these costs first. Looking at a Honda Civic se executive... 1600cc... 2003 model.

What year in California did it become necessary for all drivers to carry auto insurance?

What year in California did it become necessary for all drivers to carry auto insurance?

""If someone else drives my car while I'm in the car, but they're not listed on my insurance, is this legal?""

My boyfriend and I are over the age of 25 and live together. We are not listed as drivers on each other's car insurance policies, so I was wondering if it's legal for my boyfriend to drive my car while I'm in it or for me to drive his car while he's in it. If we get pulled over or get into an accident, are we covered by the other person's insurance? Will we get in trouble for not being listed on the insurance of the vehicle we're driving?""

Insurance Status of a car buyer?

I am selling my car. Somebody comes to view and test drive my car. He doesn't have any car before so no insurance of his own. If he test drive my car and have an accident. What would be the insurance status? (I am on admiral by the way) UK People only Please. Thank you.

If my house burns down does the insurance write me a check?

no mortgage and the agent that I talked to today for a quote said they use replacement value of about $100 per sq. foot.   They do not use tax assessed value.   On contents they said they would ask the home owner what"" they lost""""

Insurance through the military?

My dad was in the USMC back during the Vietnam War and is now on 100% disability. I was approved for the Dependents' Education through the GI Bill and now I'm wondering if I can get low-cost health insurance through the military as well. I'm 18 and am his only child living at home. We live in New Hampshire and I am currently going to school full time. Like I said, he is on 100% disability through the VA and I was looking at the US Family Health Plan at Martin's Point but I'm not sure if he has to be on the plan so it would be a family plan or if I could do it as an individual plan. He is covered 100% but has to travel like 2.5 hours away to go to Togus in Augusta but I'm not sure if I would be covered in any way through any of this or if I could at least get affordable health insurance through him? Thanks for reading and thanks in advance for any of you who attempt to answer my questions! (:""

How can i get cheap auto insurance in texas being 20 years old?

im 20 years old and im finally getting my own truck but I don't really have a whole lot of money so I cant pay an outrageous price for auto insurance. liability is fine with me but what is the cheapest I can get.

Why is car insurance so expensive for me?

just passed my driving test this month and i checked how much car insurance would be for me and its 3000+ :'O when my younger female cousin passed she got her insurance for 900 on the same car!!! how can i get it cheaper? =[ im 17 male

Secondary insurance for a Mustang for a 16 year old male?

My parents are going to get me an 2008 mustang. If the car is under their name and im just the secondary user, like if i drive it once a month, how much am i looking at insurance wise?""

Why is the Affordable Care Act proving to be so Unaffordable ..........?

Why is the Affordable Care Act proving to be so Unaffordable for almost all concerned ? The Affordable Care Act has already caused over 4 Million People to lose their Health Insurance Plans because the Plan did not meet the mandates of the accepted Affordable care Act Insurance Plans The Affordable Care Act has already caused and is continuing to cause many thousands of employees to lose their Jobs through layoffs that Businesses/Companies are making in order to reduce the number of Business/Company Employees to below 50 in order that the Business/Company is exempted from having to purchase the More Expensive Insurance Plans that are mandated by Obamacare The Affordable Care Act has already mandated that everyone be enrolled in a Health Insurance Plan with medical benefits that many people don't want and/or don't need and these additional unwanted/unneeded medical benefits have caused many Insurance Plans to raise their Premiums for these additional benefits thereby raising the cost of premiums that Most Health Insurance that Most Subscribers will have to pay more for The Bottom Line is that thousands have lost their Jobs because of the Affordable Care Act + Millions have lost their Health Insurance Plans because of the Affordable Care Act + Millions More have had their Health Insurance Premiums raised in order to pay for the unwanted & unneeded medical benefits mandated because of the Affordable Care Act so.......................Why si the Affordable Care Act proving to be anything but Affordable ?

Would applying for car insuance quotes give a bad record?

I'm searching for car insurance but I am not sure if applying for a quote online will give me a bad record. Like applying for a credit card does you know.

If you are on someone else's car insurance?

I was put onto a friends car insurance policy for 6 months... Is that the standard policy time frame or could you make it longer or shorter etc. based on your situation?

Whats a good insurance out there that would cover prenatal care?

i am looking for type of insurance that would cover prenatal care.. but i don't know where to start from!!

""I'm looking for an honest, good life insurance company. Anyone with experiences on this?""

Single mother with mortgage, a older teen and young adult, good health so far? I am looking to cover anything that would have to be paid in the event of my death.""

INSURANCE !!! any 17 years old insured ??

hi i wanna know any 17 year olds insured by themselves on wat car, how much they are paing and which insurer plz""

Wont be able to pay rent and car insurance this week?

i mismanaged my money and now im in a dilemma.i get paid on the 6th. but wont have enough money to pay rent and car insurance. i have three choices. 1)pay my car insurance and be late with rent just pay it on the 20th.. late fee is $75. 2. pay rent and let car insurance cancel for a week. which i really don't wanna do since i don't know the consequences. i am financing a car. 3) pay rent and pay car insurance with savings account. but the funds wont be available until the next week. but the banks will try to process this over and over again.

How much is insurance for a 16 year old boy driving a volkswagen jetta/golf?

I am going to go with my father to get a car next week because I got my license today. I will be using the sign then drive event for the car. About how much will insurance cost for a NEW car and would it be cheaper using a older car? I earn about 500$ in every other week for work, would that be enough you think? Thanks for the help!""

""I have been quoted at 683 for car insurance, is this all it will cost?""

I'm 17, male, so I was expecting expensive insurance (not fair lol!) when I put my details in all the others were quoting at around 1,800 but the first one Quinn direct quoted ...show more""

Auto insurance: Found Wawanesa cheaper than Mercury?

Anyone in California find that Wawanesa is much cheaper than Mercury. For our two infiniti family the rates for 1 year was WaWa-$1150 vs Mercury ($1,650) What gives here?? Why the big disparity?""

Is AAA only car insurance?

I am wanting the benefits of AAA, but I don't need more car insurance. Is it a monthly fee to have the benefits, or do you HAVE to have their insurance for it? I want to pay for the benefits before driving across country in a few months in case something messes up with the car. Thanks!""

I need Health Insurance Tips?

Hey there, I was hoping to get some input from families in WA State, or anywhere if you want to help me. I just need ideas on where to get affordable health insurance for my family? If anyone has advice for me that would be great. Thank-you!""

Ways to make car insurance cheaper?

I know this question or something similar has been asked a lot but i'm 18 and i've just passed my driving test and i'm looking for insurance. I have 2000 saved up and all the quotes i've been given are around this, I know i'm not going to get it much cheaper than this. Does ringing up the insurer and saying you've been given a cheaper like for like quote etc. work in getting the price down? And what companies are recommended for younger drivers? Thanks :)""

How much would insurance be for a road/offroad dirtbike?

I'm looking into buying a honda CRF 230 that has headlights, breaklights etc.. everything it needs to be road legal. I'm wanting it because I ride alot of trails that you need to get on the road for so long to get on the next trail and I'd figure id license it so I dont have to worry about outrunning the cops but if the insurance would be high, I'd just forget it so whats the cheapest you can get insurance for that and by the way I'm 19 and have my motorcycle permit.""

How much would it cost to insure a 16 year old boy?

i want to buy a 1988 toyota mr2 but my parents say the insurance would be to expensive can you give me a estimate how much it would cost.

Where can i find cheap car insurance?

Im 18 and male and all the quotes i've looked at are coming back from 3000 to 7000, does anyone know where i can get it under 3000?""

Can i put my car under my dad's name to have cheaper insurance?

if do, why insurance company do that, they should have known that this second car is for customers' child""

""How long will I have to work until I can get a car, and insurance?

I'm 16 and plan to work at McDonald's or a local restaurant. It'll be after school so I'll only be earning minimum wage. How long will I have to work to earn enough money to buy a car and insurance? Thank you!

Homeowners insurance question?

My father has homeowners insurance that covers the exterior buildings around his house, like a garden shed/ covered carport. this past weekend, a large snowfall provided too much weight for one building, and it collapsed. inside was a lawn mower and an antique automobile that dad has had since he was my age, and it was damaged by a metal beam. (think hot dog bun). the insurance company is now saying that they will pay for the repair of the building and for a new lawnmower, but not the car itself. it was not fully restored, but it was in fair working condition (meaning the engine works and the auto does move). does exterior building coverage also include everything inside, or does it have a limit? is the insurance company trying to weasel out of paying my father? if so, who should I call? (I'm in NC). please help! with good sources please!""

Why at 22 years old is a first time drivers insurance so dam high?

Yeah so the title says it all. Has anyone got any tips on how to lower insurance down a bit I'm looking at prices from 2k-2.4k at the moment and that's only on a 1.3 ford fiesta. Hopefully someone has a few tips on how to get the cheaper insurance ;p

How much is car insurance? I'm doing and economics project...?

Like for a 38 thousand dollar car. Looking for a lower premium and a higher deductable but in order to find a price i would have to actually sign up for car insurace and i can't do that. What would be like the best option for me would you say...? Anyone???

If my house burns down does the insurance write me a check?

no mortgage and the agent that I talked to today for a quote said they use replacement value of about $100 per sq. foot.   They do not use tax assessed value.   On contents they said they would ask the home owner what"" they lost""""

Miguel's insurance company repair costs 80% of value. Sustained $8000 worth of damage what was value of car.?

Miguel's insurance company repair costs 80% of value. Sustained $8000 worth of damage what was value of car.?

Anyone know about maternity insurance?

I am recently married and my husband and I have been trying for a baby. We just recently added me to his insurance and of course, added maternity coverage to it. We were told that it wouldn't take effect until November 1st. My question is-if I were to get pregnant before November 1st, would the insurance not cover the pregnancy? I have a friend that seems to think if I were to get pregnant before then, if I didn't see a Dr until after November 1st, then it should be okay. Any idea what is correct?""

SR-22 insurance?

If someone got an OWI in iowa, How much does SR-22 usually cost? (was not me who received one, but I am glad this person finally got one)""

If I add business to my car insurance?

and I have an incident/accident is it held against me on my policy. Situation is the company i work for want me to use my car for doing errands for them and they said there willing to pay the extra on my insurance if i add business use. My argument is if i have an accident will it go against the business or my insurance policy

Is there affordable health insurance out there for someone who has had high blood pressure?

Is there affordable health insurance out there for someone who has had high blood pressure?

Car insurance for audi a6 2.8 awd?

right now im under my parents Allstate car insurance, i pay around $90 a month it would be $60 but my parents added collision for the winter. im looking at this red v6 Audi for $5990. how much do you think it would be per month with Allstate??""

Car insurance lapsed? opposing insurance sends letter saying im liable.?

Long story short my insurance lapsed. I got into a car accident where i was backing out of a driveway and as i shifted the car into drive i was backed into my side driver door by ...show more

Am I insured to drive a company van?

My employer does not pay me until I arrive at a job. Which in my book means I am not yet at work. Does this mean I am not covered by the insurance to drive that van?

How much will motorcycle insurance and registration cost me per year?

I'm a 20 year old male and this will be my first motorcycle. I only have a permit right now but plan to get my licence immediately after registering and insuring my bike. Will that make a difference? I'm going to get like a 600 cc sport bike. I don't need an exact cost. Just shoot me a good range to expect. Thank you.

What are your opinions about the different car insurance companies? Which one is the best?

I currantly have Geico for our auto insurance. They are cheap but i am seeing why. thier customer service SUCKS. i would really like some opinions on different car insurace companies. Thanks!!

Help with car insurance?

i have a driving licence but do not own a car so i have no insurance of my own. if my friends mum offered to lend me her car for a few hours could i drive it through her insurance if she is fully comp and she gave me permission to drive it? and if i was to get pulled over by the police what would happen ?

Where can I get the best car insurance rates?

I have been on the same plan for 10 years now and they charge $165 each month which is ridiculous. Any idea what is the best company to get a better insurance rate?

Is it true that you MUST purchase health insurance?

So, President Obama says you MUST purchase health insurance or face fines by federal government. How do you feel about that? (Also, wondering how many actually care about their rights being trampled on by Obamacare.)""

Why is Obamacare called the Affordable Insurance Act if it provides health care?

Why is Obamacare called the Affordable Insurance Act if it provides health care?

Help me with me car insurance?

i am 34 years old have a new license with pass plus and recentley bought a car. what is the cheapest car insurance for me(third party) thanks

National Insurance number for a teen..?

Ok, I am not a citizen of UK but I have been living for a few years. British citizens get their number automatically when they turn 16. I turn 16 this February, so when should I apply, I want to get a job as soon as I turn 16 ? And what is the application proccess like ? Am I even eligible for it ?""

How can i compare all life insurance products of all companies?

How can i compare all life insurance products of all companies?

How much would my insurance be?

I'm 16 I will be 17 in about 9months. I will be buying a 2002 Nissan Maxima and I was wondering how much would I pay monthly/yearly on insurance. -I'm 16 -Grades aren't the best by they're passing. -I have no driving history. -I have a minor charge on my record that will go away when I'm 18. I know you can't give me a exact answer but a close one would help. Oh and if there's any way I can lower the cost that would help a lot. And is $4,200 to much to pay for my car? Thanks in advance :)""

""In california, what auto insurance options are must haves?""

hey i was just checking out the auto insurance rates (i am from california) i know that bodily injury liabilty, property damage liabitiy, and uninsured motorist are must haves in californa... what else?? i was reading the definition of the auto insurance optional coverages and got a little confused, for example: Property Damage Liability - Mandatory Coverage This coverage protects you against financial loss when your vehicle damages another person's property, such as their vehicle, if you are legally liable. vs. Collision - Optional Coverage This coverage provides protection for loss or damage to your vehicle caused by upset or collision with another vehicle or object. It pays the lesser amount of either the actual value of your vehicle or the amount of each loss, in excess of your selected deductible. i was always under the impression that once you have property damage liability and your car got into an accident, it's covered. can someone with some auto insurance experiece explain this for me please? do you think it's good thing to get both? any advices is appreciated thank you""

Aetna student health insurance cover accutane?

Does anyone know whether Aetna STUDENT health insurance cover accutane? I don't know whether regular Aetna and Aetna Student are the same. also, for guys who have taken accutane, do we take the ipledge too? if so, how long do we have to wait before taking our first pill?""

Free medical insurance and dental in cali??

hello, im a 21 year old student who needs insurance! my family doesnt qualify for free insurance from the state, but my mother is not working to get insurance. does anyone know of a free or at least cheap way to get insurance? thank you.""

How much is a ticket for not having car insurance in California?

Freeway Insurance just called me and told me that my insurance was not paid last month and that it got cancelled. I could swear that I did pay and my bank overview says I did pay. This is the second time they call me to tell me that. I think those ****** bastard just want money. So I'm just wondering how much a ticket cost because I'm gathering money to open another policy but with another Insurance company.

How much will a Toyota Spyder increase my insurance?

I'm looking to buy a 2000 Toyota Spyder. But i'm only 20 years old, so i'm questioning whether or not it is a good idea! Its will cost me about $10,000 after tax + the insurance. I'm not so worried about the actually cost of the car, because I can make about a 60% downpayment, and take out a small loan for the rest... But the insurance is the big issue...""

Insurance Prices please help?

I want to know how much insurance will be. I need auto, health, life, and renters insurance. What prices do the top insurance companies promise for auto, health, life and renters?""

Will my insurance go up?

I live in California. Here, the driver is responsible for the ticket and not the owner. My bf is 19 and im 18, and he drives very well but does have license because he uses his bike. He drove my car and got two tickets because he did not have his headlights on and a misdemeanor for an unlicensed driver. I read that my bf will have to pay $25 if he gets his license before court and $230 for no light. I was wondering will my insurance go up? and will my dad be notified?""

If my house burns down does the insurance write me a check?

no mortgage and the agent that I talked to today for a quote said they use replacement value of about $100 per sq. foot.   They do not use tax assessed value.   On contents they said they would ask the home owner what"" they lost""""

https://www.linkedin.com/pulse/i-am-ssdi-know-medicare-doesnt-cover-dental-can-get-my-isaiah-greene/"

[azanycollectormilkshakeworl-blog]

Insurance for my baby?

"Insurance for my baby?

I am on my dad's insurance. When my baby is born will it also be included on my dad's insurance?

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

RELATED QUESTIONS: 

Two part question--Germany Auto insurance and the IPhone?

1.) What automobile insurance companies do most people use in Germany (German companies not American) to get the best rate? 2.) Will a T- Mobile IPhone from German (T-Mobile) work in the US under a new contract or will i need to get a new phone when i return to the US?

2008-2009 Ford Mustang Convertible?

Hi- we are looking into a new car and are interested in either a 08 or 09 Mustang Convertible...would you reccomend this vehicle? One thing we are worried about is the insurance costs as the car is not that expensive. Does insurance really go up a ton? Pros-Cons? Thanks a ton!

What insurance license allows you to sell insurance to businesses?

What insurance license allows you to sell insurance to businesses?

What kinda price for rego and insurance?

I what a 2000 TOYOTA CELICA ZZT231R SX what kinda price for rego and insurance?

""Car accident, not at fault, but no insurance, other driver has no license. what to do?""

my parents got into a car accident with another driver. however, it wasn't their fault. in addition, my parents don't have insurance for that car because they just go it about 2 months ago (used.) but we have 2 other vehicles that are insured. does that mean that our car is technically under the policy? The other driver, who was at fault, HAS NO LICENSE but has an identification card, and has insurance. (her license is probably suspended) what are my parent's options?""

Is minimum coverage car insurance the same as an SR22?

In Tennessee, is minimum coverage car insurance the same as an SR22? I already have minimum coverage but am now required to get an SR22. Is this something that needs to be added on or will minimum coverage suffice? Thanks.""

""I am 20years old born in 1992, however to get cheaper insurance can i make my age at 1982 as a second driver?

What will happen when police stop you to do insurance check? If you are going to be showing your age at 28 born in 1982 instead of 1992 insurance is suddenly cheaper for cars. What will police see if you get stopped for insurance check? Also what can you say if they say why is your DOB 1982?

Anyone here have car insurance with a company called 'Ladybird'?

How much insurance do you pay and on what car?

What happens if you just don't pay your car insurance?

Where I live you get car insured and they put a sticker on the plates with expiry date a year from now. But you still only pay once a month. What happens if you simply stop paying ...show more

""Car insurance, from provisional to full uk?""

I have recently bought a car (a 2003 Ford Ka 1.3 Collection) & am on a provisional license taking driving lessons atm. Im looking at different car insurance quotes online & am thinking of going with Admiral as it seems like they offer the cheapest car insurance for my situation. As far as I'm aware, I would have to pay approx 1,100 to insurance my car while still on a provisional license, & approx 1,600 with a full uk. (A lot of ppl have said that insurance will be more expensive while on a provisional license but I know for a FACT that it's the other way around seeing as I would have a fully qualified driver with me at all times, meaning that I'm less likely to have an accident!!) Anyway, Because I'm looking at insuring my car for Nov while I still have a provisional license (I'm going to pay it monthly), when I hopefully pass my test at the start of Dec & obviously notify the insurers that I will have passed my test & therefore gotten a full uk license, HOW ON EARTH will that affect my insurance? Any help will be MUCH MUCH appreciated!!...I'm really CONFUSED atm!!!!! :):)""

Where can I get temporary car insurance in the US?

I currently live in PA as an exchange student. My roommate owns a car and he would let me drive it but I am not covered by his insurance. What I need is a temporary car insurance for foreigners that don't own the car they want to drive. Any help is much appreciated!

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??? ?????

What's the best affordable health insurance for a freelancer?

I was laid off in March and still need to figure out a health plan. Not being covered is scary! How can I get some coverage that's affordable ASAP? Thanks.

How do I challenge my auto insurance company's appraisal of damages to other car in an at-fault(my) acci ?

I read-ended another car at an intersection. Both of us were stopped at a light. When the light turned green, the other car started moving and immediately slammed on brakes. In the meanwhile, I had taken my foot off brake and hit the car (at < 5mph). The other party has filed claim for $1350 for damages and also for unknown amount of bodily injury. There is not even a mark of any collision on my car (as the speed was low). My insurance company has agreed to their claim related to damages and is waiting for the exact amount for the bodily injury claim. This has been quite unfair to me and will definitely bump up my premium like crazy. Is there any way I can challenge my insurance company's appraisal of the damages ? Are there any other alternatives ? What kind of evidence would I need to furnish for the same ? We had called a Cop to report the accident. I wanted him to note that the impact was at < 5mph. However, he refused to do that saying that this would be left to insurance""

What if I cause an accident but the car insurance is not under my name.?

Well I hit someone and in my car but the insurance is under my mothers name only.The other driver and his passenger are riding in car that does not belong to both and they are not under the insurance of the car.Sadly the passenger was complaining about a neck injury so they called the cops and an ambulance.What happens then?

How do I get affordable insurance after dui non-conviction?

State farm is canceling my auto insurance after a company called ChoicePoint inc. reported info. from the DMV about reinstatement of license, Chemical test modification and Chemical test revocation. I was arrested for a first offense and plea bargained to jump though all the hoops, pay all fines in order for it not to result in a conviction. Are there any insurance companies out there that do not purchase info. from ChoicePoint?""

Help solve my High Car Insurance problem...?

Thanks everyone for your valuable opinions. I just purchased an '07 black Toyota Yaris with about 24 k miles. I am a 20 yr old male living in Texas. Well my insurance went sky high from my last vehichle, an old '90 clunker Geo. It went from like 100 and something to like 350! I have Farmers Insurance. What are my options on things to do??? The title of the car is in my name. I pretty much do not have any credit. My mom happened to mention something about changing the title over into her or my grandma's name...and then she could add me as a driver to her insurance. I really don't know, the situation is very confusing. Please help me know my options, I can't afford this! P.S. All insurance companies will charge me about the same givin my age, etc.""

How much do Brits pay monthly for health insurance?

I see them on here all the time talking about how much better their system is than ours, that it is more affordable. How do they know how much it is costing them monthly if they are taxed to pay for it?""

Breast Reduction/Will my insurance cover it?

I submitted my request through my primary doctor and of course they denied it. However, they sent me an approval to see a plastic surgeon, so I went. She said I was a great candidate and that she will send pictures and notes to my insurance. The insurance hasn't approved the reduction, but again they sent me an approval to get a mammogram done. is that normal? i got it done and of course everything is fine. I called the PS and they are resubmitting my request a long with the mammogram results. Am i on the right track? Do you think they will approve it?""

What is an affordable health care provider with low deductable?

What is an affordable health care provider with low deductable?

1000 Car Insurance for an International Student?

Does anyone know a cheap car insurance company for a young driver (21 YO) who will be driving with an international license for 1 year? I have tried Clements but they don't do insurance for students. Can anyone please help? The major online companies are so expensive

I want a car! what car(s)do you recommend to buy for a new driver?

cars that are new (not broken down second hand cars) and come with cheap car insurance for new drivers please help me!

Car Insurance Comparison?

Is there any website that will allow me to get quote for different insurance company at once kinda like priceline for plane tickets? I would like to be able to shop for the best insurance with the same criteria that I want. Thanks!

Best car insurance prices for financed cars?

I'm only 19, and I'm getting a financed car VERY soon. I know I can't look at the big name guys, cause I've already done that and they want $450 a month just for a car with no power and isn't even sport. I plan on either getting a 2009-10 Dodge Avenger or 2009-10 Nissan Altima/Sentra. I have had car insurance without a gap for almost 2 years now on my current car, so I won't have any problems having anyone cover me or anything. I live in FL, so if anyone knows of any small insurance companies that are good with financed cars and teens, PLEASE list it below. Thanks.""

What are the steps to obtain medical insurance?

I used to have peachcare,but my parents said something happened to it and I don't have insurance anymore.""

Insurance for my baby?

I am on my dad's insurance. When my baby is born will it also be included on my dad's insurance?

How much would insurance cost me on a v6 camaro?

it is a 1988 camaro and i would just have the cheapest coverage and i am 16 any ideas on how much it would cost me?

Cheap auto insurance in florida?

Cheap auto insurance in florida?

Renters Insurance Liability?

If my neighbor has a fire that does some damage to my apt./belongings, will the neighbor's renters insurance cover my damages or will my own renters insurance cover my damages?""

Does not having license on you affect insurance?

My brother was returning home one evening last week and thought that the speed limit increased before it did, so he was pulled over for speeding. He was let off for that, but given a ticket because he didn't have his license on his person. He has one, but he left his wallet at home. Now he is worried this will affect his insurance. Does anyone know? Does he have a rap sheet or anything now? This is his first ticket. I have no experience with this now.""

Should i use life insurance or annuity or retirement?

my wife has a non qualified annuity @ 3% fixed rate. my question is on her renewel medicaid application should i use annuity-retirement or life insurance policy. thanks for any help & may GOD bless.

What is the average car insurance rate for a 16 year old female in Arizona with standard coverage?

what would be the approximate monthly charge?

Insurance&&Permitt???

Do you have to have insurance when you have your permitt. All i have is my permitt,and my grandma is worried about getting me insurance. Her insurance covers 65 and above. But my cousin didnt get insurance until she was 16 she thought that you didnt hafta have insurance until you got your license?""

Does the mazda 3 have high insurance costs?

just wondering if it would be in the sports car range or the sedan range?

What kinds of life insurance should I have?

I'm 30 years old, and my love is 39. I have an AD&D insurance policy from work listing him as the beneficiary. What other insurance should I purchase? We do not have any children. Do not say we're going to hell, or that we are sinners. If you've read the bible and truly believe in it, then you should know about judging others and casting stones.""

How do I save on auto insurance?

I want to save on auto insurance.....what factors can lower your rate? I need to know things such as an alarm, and kept in the garage, but what other factors can help me getting a low rate? Thanks everyone""

What is a cheap car insurance for students?

What is a cheap car insurance for students?

Car insurance for teen?

I'm 18 and only had my license for 4 months. I can afford monthly car payments but insurance is over the ceiling, the cheapest policy I got was $270 from geico w/o collision. One with collision is $371 - month w/$500 deductible. My mom had an accident so itll be cheaper by myself. Any suggestions? It's so frustrating!""

How can u break a medical insurance policy to get your own insurance?

my girlfriends mom wont give her the copy of medical card and wants to get her own policy

Most affordable insurance company is?

Looking for cheap health insurance, I have never had health insurance before. What is the least amount of money a company will want from me to have full coverage of a surgery or hospital bill?""

How much would my insurance go up if i add a K N filter on to my car? if its 800 Now?

i drive a 09 reg Vauxhall Corsa SXi?

What is the annual cost of health insurance for employer?

I am a new small business owner with 3 employees at the moment. I was wondering what the annual or monthly cost for health insurance is for an employer. I'm not looking for an in depth analysis, just trying to figure things out in my head and I have not even a clue what it cost.""

Where can I find the cheapest auto Insurance in NJ?

I trying to find insurance that is not expensive does anyone know where I can go to get this?

Who do you think would have the cheapest car insurance for an 18 yr old who has just passed her driving test?

Who do you think would have the cheapest car insurance for an 18 yr old who has just passed her driving test?

What type of driving course reduces insurance?

What type of driving course from the driving school reduces insurance for new drivers?

Does the monthly payment on a lease vehicle include taxes and car insurance?

I am looking to lease a car but I am on a budget. Ive been looking online at some people that want to sell or transfer their lease because I would only want it short term. Since lease cars are usually new insurance would be too much for me to pay, so I was wondering if a monthly lease payment includes it, and taxes.""

Older Model Mobile Homes Insurance?

My sister & husband are buying a 1975 Moblie Home in New York State and need Insurance on it, All the insurance companies they looked at said it is too old. My question is where can they get insurance for a older type moblie home ?""

How do I get an Insurance licens for California ?

I was wondering how can i get and insurance license in califronia ? Is their a web site where i can take a course to get one?

Insurance providers for 18 year old boys?

Hi Im 18 today and passed my test three months ago. I have a 2001 Renault Clio, and no reasons to be high risk however i can not insure it for less than 2800 a year. Can anyone give me advice on good insurance companies or how i can get cheaper insurance. Ps - I would like third party fire and theft Many thanks""

Car Insurance: Which is cheapest in America?

Just purchased brand new vehicle and wanted some feedback on which companies offer inexpensive rates and superior service when needed.

What level of car insurance should I get?

The difference in my car insurance quote from the bare minimum ($356.50) to second or third in each category ($1,422.90) is over a thousand dollars. This is for a 6-month quote. I'm a very safe driver and have never been in an accident that is my fault. Someone rear-ended me once but there was only damage to his car.""

Insurance for my baby?

I am on my dad's insurance. When my baby is born will it also be included on my dad's insurance?

Would you accept a job working as an Insurance Call Center Agent?

The job entails helping senior citizens all over the country obtain affordable insurance solutions that cover their final expenses and medical bills. The work hours are Monday  ...show more

Car insurance?

If i have bought a car but but the car is not insured, then can someone else who is fully comp drive my car?""

Do you have health insurance?

If so, How much is it per month? How old are you? What kind of deductable do you have?? feel free to answer also if you do not have insurance.""

How much renters insurance coverage are apartment complexes allowed by law to tell the renter they have to car?

I was told by a apartment complex that I had to have $3,000,000 worth of coverage in my policy. Is this amount allowed by law? I've never heard of such a large policy amount for renter's insurance. BTW, I live in north Texas.""

Anyone know of affordable health insurance that is not a scam?

im in florida - sunrise

Does engine size make your car insurance go up?

I have a 1.4L engine at the moment and thinking of getting a car that has a 1.6 engine. There are not a lot of differences between the two cars, apart from the engine size. (they are both very small cars, made in the same year etc) Will this make my insurance go up?""

Should I cash in my whole life insurance policy?

I purchased a whole life insurance policy about ten years ago. I know, bad decision. Now I have acquired some debt from a divorce and if I cash in the policy minus any taxes and/or fees I can wipe this debt out. I still have an SGLI policy currently for 200K and can increase this after I close the other policy. Is this a good decision?""

How much will my Car insurance go up?

I hit a car in Los Angeles and I have State Farm. The guy I hit drives a range rover and all I did was scratch his driver's side door. The body shop wants $1200 to repaint the door, which I think is insane. I would pay cash, but $1200 is a lot of money. Does State Farm have accident forgiveness, or will my premium go up if I claim this on my insurance?""

Can I drive a car without teenage insurance?

My uncle said I can borrow his car for new years, but he doesn't have teenage insurance. Would he need it if I'm only borrowing it for one day and night? Can I still drive it? If something happens will regular insurance cover? I've been driving for a while I'm good at it. Plus a few of my friends riding are also licensed, the oldest 23. I'm 18.""

Who thinks the health insurance waivers means that companies don't have to provide health insurance?

You'd be wrong. Care to understand why? http://www.whitehouse.gov/blog/2010/12/10/truth-about-health-care-waivers The bad news is that today mini-meds are often the only affordable option for many low-wage workers because retail and chain restaurants rarely offer their workers options beyond these plans. And because mini-meds are built around annual limits, estimates from employers and insurers indicate that beginning the phase out of annual limits this year would cause mini-med premiums to rise by more than 200 percent, forcing employers to drop coverage and sending many low-wage workers to purchase insurance on the more expensive individual insurance market, where they would get an even worse deal than what they have today. The result would be a whole new population of uninsured Americans. To ensure that we protect the coverage that these workers have today until better options are available for them in 2014, the law allows HHS, in extreme cases, to issue temporary waivers from the phase out of annual limits. There are some important facts to remember about these temporary waivers: The waivers only apply to one provision of the law  the provisions phasing out annual limits. Insurance companies and employers that receive waivers must comply with all other parts of the Affordable Care Act. The waivers last one year. Insurance companies must reapply for the waivers each year between now and 2014 when annual limits on coverage will be completely prohibited and individuals will have more affordable and better private insurance choices in the competitive Exchange markets. All employers and insurers that offer mini-med plans may apply for a waiver if they demonstrate that there will be large increases in premiums or a significant decrease in access to coverage without a waiver. You can read a list of employers and insurers that have received waivers here.""

When will my motorcycle insurance go down?

I am 19 years old and I am on my second year of riding. I have no tickets or accidents (thank God) and I am still paying over $1,000 a year in insurance for my 250cc bike (2009 Kawasaki Ninja 250r).I have done some shopping and this is the lowest price. Allstate wanted $6,000, freakin unbelievable. I just wanna know when it will go down. Thx.""

Motor Scooter Insurance?

I'd like to hear an estimate for how much motor scooter insurance would cost if I have/am: *16 years of age *Own a 49cc motor scooter *Will use it basically year round for: School, business, pleasure purposes *Took a drive safe course *Have a car license *Decide to get completely insured (All out) If someone would give me realistic numbers for monthly/ yearly costing, I'd be very appreciative.""

How much would a jeep commander insurance cost if you have state farm?

I was wondering how much would the insurance cost and what is the average pay for insurance?

Do you have health insurance?

if so, how much is it per month? how old are you? what kind of deducatble do you have? Feel free to answer also if you do not have insurance and do you support obamacare?""

Insurance question?

i just posted a question about buying a new car, im 19 years old, and someone said at my age if i finance a new car i have to get full coverage insurance, is this true? how old do i have to be not to have to do that? what if i buy the car under someone elses name-say my mom or dad? i live in california in case that matters""

Security Guarding Company insurance?

Can somebody tell me how much the average insurance would be for a security guarding company?

Keep until expires or cancel car insurance?

My car has broken down for the last time. It is very old (1998) and very high mileage. I am deciding to sell it for parts and what I can get rather than sink any more money into it. Point of negative returns. I will be going carless for some time, taking the bus and using a car share program. That is just background though. Hoping to save the money, pay off other things and raise credit score to possibly qualify for a brand new one in the future. My question is about the auto insurance. I just renewed at the beginning of the year. So I have about 4 months left before the policy is done. I am making monthly payments. If I cancel now, will I still owe them for the entire policy amount - (can they come after me for it?) Or does it look better (when I go to get insurance in the future) that I keep paying on the policy until it expires in a few month (just not renew at that time). I don't want to spend money needlessly. However, I also want the best (least expensive) insurance rates when I need it in the future, and a good track record. Can anyone (especially if you are in the insurance industry) give me the straight scoop? Thanks and much appreciated.""

How much qualifies as full coverage insurance?

How much qualifies as full coverage insurance?

Hi my parents have allstate auto insurance...?

i was just licensed, and my parents have that car insurance. Will it cost less to have my car included into their insurance rather than having a separate one for myself? and if so approximately by how much less per month?""

""525i First car, how much insurance?""

Hey, Im currently trying to get my driving lisence and I was thinking of buying a BMW 525i 1995 model as my first car, how much will the insurance cost approximatly? i know it will be expensive, but how expensive?""

How do I find past articles. The 1 about cheap car insurance spacificaly?

my email account is freeme1969@yahoo.com

What is the cheapest way to insure a first car?

I want a ford ka which luckily I one of the cheapest cars to run and insure for young drivers. Is there anything else I can do (except from the black box as I have 3 siblings I will need to drive around) to make the insurance cheaper? My parents both have quite good jobs and are willing to pay it but they would like to pay 1500 p.a maximum if possible.

Do you think its good to have insurance?

Car insurance cell phone insurance life insurance health insurance renters insurance homeowners insurance School supply insurance Title insurance Troll insurance No matter what the product its good to have insurance AM I RIGHT?

How does car insurance work?

My boyfriend and i were talking after we saw an accident on the highway it was clearly the older mans fault. My boyfriend was saying how it sucked that even though he hit the lady she still had to pay her deductible (usually around $500) to get her car fixed. I was always under the impression that the reason we had insurance was to insure that we didnt get stuck paying for someone elses dumb *** mistake. anyone know how this actually works?

Ninja 250 insurance question?

im trying to get a ninja 250 from around the year 2000, im 16 and need full coverage insurance. I hear the insurance is about 200-300 a year? why yearly and not monthly insurance payments like my truck?""

Insurance for my baby?

I am on my dad's insurance. When my baby is born will it also be included on my dad's insurance?

Can i get insurance on my name...but my boyfriends car?

Registration is coming up, for my boyfriends car. He has a DUI on his record, so he's unable to drive as it is, I'm the one who drives his car. I was wondering if I could get my insurance to cover his car since I'm the one who drives it even though I'm not the registered owner. And would DMV (in california) acknowledge it?""

Backdated car insurance?

A while back, my husband drove my moms car and totaled it. At the time, we had no car, so we werent carrying insurance. A telephone pole had to be replaced. ANYWAYS, my parents insurance said they are going to cover it. Since then, my husband and I bought our own car and our own insruance. NOW my parents insurance company keeps calling and they want our insurance info so they can bill OUR insurance. When he had the accident, we explained we had no car insurance. Then they called, and my husband had said we have insurance now, but i tihnk she thinks we had it then too (even though we've told them we didnt, which we didnt at the time). They keep wanting the information so they can backdate our insurance and have them pay for the accident. From everything ive read, this is fraud and is illegal. Is this true? They called again today wanting the information and we werent home, and my parents keep saying we never had insurance at the time, so tech. our insurance NOW has nothing to do with it, and it cant be covered by our insurance since we didnt have it at the time... im confused. can someone explain this to me please?""

""Is there nay car insurance companies cheaper than elephant, bell & admiral ?""

Im a 24 year old male looking for cheap car insurance quotes, all of them seem to be quite a bit over 1000 and even 2000 - 3000 and thats when i checked money supermarket and compare the market but with elephant,bell and admiral my best quotes seem to be around 800 is there any other cheap car insaurance companies anyone can reccommend i try ?""

What are some good health insurance plans?

We're trying to find one with low Coinsurance, I can't afford to pay 50% on a surgery -_- Anything good and affordable you guys recommend for families?""

Premium rates increase after an auto accident?

I rear-ended a car and that car hit another car. The car in the middle I believe will have lots of damages to repair. When my premium rates increase, what is the deciding factor on how much it will increase? Is it the cost of repairs to the cars? or just the fact that I got into an accident. In addition, with this one accident and 2 cars having damaged does that mean that the insurance company would see me hitting 2 cars instead of one which will increase my premium even more? And by the way, my insurance company is mercury if that helps! Thanks!""

How does a 13 year old tell their mom they want to have a baby??? HELP PLEASE :)?

Im 13 and it may be a little weird but im ready for a baby. how do i tell my mom?

Why is my car insurance quote 1700 more if women and men are meant to have the same premium?

After an EU court of justice ruling I believe that male and female insurance is supposed to be the same? I have a quote as a male at 2800 whilst 1100 as a female? these were found on a comparison site. Why is this allowed and what can I do about it? thanks!

""Need some advice, about speeding ticket please? No negative opinions please?""

Well I got a speeding ticket on my bike, my first one in 3 years. But thing is I don't have a License or insurance (don't bother, I just never wanted to even bother with the long lines at dmv) and no I'd in possession. So I got a 1200 ticket and I refuse to sell my bike,(yeah they didn't impound it, I'm OK, USA by the way). So any way I can get it reduced? Insurance costs the most. So is could I could the insurance and DL part waived if I got the paperwork?""

Where can I get a good car with cheap car insurance in UK?

I'm going to start driving soon and wanted to know where to look for a good car with cheap car insurance. I just need a car that can get me around to places.

Do you feel sorry for insurance companies?

Insurance companies that helped develop Obamacare?

Car Insurance... How much is it really?!?

I am planning on getting a car this summer after school and i am 16.... My parents want to lease a car for me from Dodge/Chrysler/Jeep since we get a discount. I really want the dodge SRT-4 but i think it will be too much insurance at this point in my life... can someone tell me roughly how much it would be??? thx!

Cheapest auto insurance?

Cheapest auto insurance?

Whats the cheepest car on insurance for a 17 year old and how much?

whats the cheepest car on insurance for a 17 year old and how much

How much in costs would I be looking at and what car would you reccomend to get?

This is in UK and my first car. I'm getting a car at 17 but it needs to have these features: - Cheap on petrol - Cheap on insurance - Cheap to buy used like really cheap - Four doors (optional) Yeah so what would you recommended and how much would I be looking at in total costs per month including tax, insurance and petrol (excluding the price of the actual car). I will be using it around 3 hours a week.""

How can I get my car insurance cheaper?

Hi am 31 and got 8 years no clams I drive a corsa vxr and am finding it hard to get it cheap

New Car Insurance?

I just bought a new car. I put down $7,000 and am paying $197/month for five years. I purchased car insurance, and the monthly premium is $358. Is this too much? I'm 18 years old, and I live in Colorado. I know it's going to be high because I'm a teenager and it's a new car, but does this seem like it is too high?""

Car insurance question?

Im 18 (female) i just bought a 1994 ford explorer. I have my license and stuff. First time im getting insurance. I need coverage to fix my car if i was in an accident and fix the other persons etc. Would it be cheaper to the car in my dads name and get insurance under him? Hes 58 and stable job for years and good credit. Thanx

Insurance????????

We have insurance right now, but my husband was offered a job on friday but has questions before taking it. I have not been to the doctor yet so can I wait to go to the doctor until the new insurance kicks in and it will be covered?""

Cheap Motorbike Insurance for Young Rider? (PLEASE)?

Hi All... Thanks In Advance for any suggestions! Ive been riding my beloved VFR400 NC30 for 2 Years now (Which is now for sale), its finally time to get a bigger bike! Im wondering if anyone has any suggestions for the cheapest bike insurer for my age... I am 20 Years old (21 in May) and im looking to get insurance on a 2005 honda cbr600rr, I have been riding for 2 years with 2 years no claims, I own a car and have been driving for 3+ years with 2 years no claims. I did have a perfectly clean licence until last week when I picked up 3 points for Driving over the speed limit in scotland, Which I actually did carelessly not on purpose, so that will obv bump up the price a bit! I have tried some of the usuals likes Bennett's, elephant etc just wondering if there is anyone who knows ones that may work out cheaper than the 600 pound that i have been quoted! Once again many Thanks""

How can get car insurance?

Let me give some more information. 20 years old, female, live in NJ and need to buy car and insurance soon. what are some companies to use? Thanks!""

How does a 17/18 year old find cheap car insurance?

i am looking for cheap car insurance but finding it difficult,anyone got any ideas or methods""

""I dont have insurance or a source of income, help?""

I am eighteen years old and currently have no insurance and I am looking for a job but so far nothing. I have chronic migraine disorder and ptsd, I was on medication for both but after I turned eighteen I lost all insurance I had with my mother. i don't go to school nor can i afford to and i dont know what to do. Help?""

I need affordable mortgage life insurance. I' m 62 and have a heart problem that is under control with meds?

I also have stents in my arteries and heart. I need $250,000 in insurance to payoff a 30yr loan. Our house was originally paid off and I (the house was put in my name alone, not my husbands) took out a mortgage for $130,000 to finance my daughters business which failed. I thought that I did have mortgage insurance on the original loan but did not find out until after I took out my 2nd mortgage ($120,000) to pay off other bills the business acquired. Between the 1st and 2nd loan I became ill and I don't know what to do now. My husband doesn't know about the 2nd loan. If anyone knows how to fix this please let me know. I don't want to die and leave 2 mortgages for my husband to pay off.""

Classic mustang AAA insurance?

How much does it cost (annually or monthly) to insure a classic mustang (1964-1972) with AAA?

Car accident and no insurance.?

My mom was involved in a car accident and she found out her insurance was cancelled earlier. It was her fault and the other driver is insured, but they took away her license. We know she has to pay out of pocket but is there a company that will pay the lump sum for her so she can pay the company little by little?""

Insurance for my baby?

I am on my dad's insurance. When my baby is born will it also be included on my dad's insurance?

https://www.linkedin.com/pulse/anybody-have-auto-insurance-general-ethan-gay/"

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Milan Missouri Cheap car insurance quotes zip 63556

"Milan Missouri Cheap car insurance quotes zip 63556

Milan Missouri Cheap car insurance quotes zip 63556

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

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Lexus Tail lights and Angel Eye front lights - Insurance?

So im thinking about getting these for car my, does anybody know how much the insurance will go up by if i get them, thanks""

I have full coverage insurance n my car was stolen n impounded should yhe insurance pay inpound fees?

I have full coverage insurance n my car was stolen n impounded should yhe insurance pay inpound fees?

Car insurance rates go up after accident?

Ok, so this is really stupid in my mind. But I got rear ended the other day, and it was obviously the lady's fault since I was waiting at the stop light and she hit me. Anyways, the damage was minor. There was a hole from her screw/bolt that held her front license plate and part of my rear light got cracked. Anyways, she offered to pay us 350 after we got 2 estimates saying it would cost around 700 to paint by bumper and replace the light. she and I were fine with that since my bumper already had noticeable scratches on the side and her damage wasn't that major. But my dad (I'm 19) wanted her to pay 400 or tell her to report it to her insurance. So I thought this was ridiculous since he would have pocketed the 400 instead of fix it (like I said, it was a small hole in the bumper...).So now, I am worried that my insurance will go up. I am a college student, a guy, and a teenager which I feel like would raise my rates, a lot, but he reassures me that our rates won't go up since the lady's insurance will pay for it and that we arent claiming our insurance. So what happens now in the insurance process? All I know is that she has to call her insurance and they send an adjuster to assess the cost of the damages made to our car. Do we have to report it anytime to our insurance company? If not, is there a chance that our insurance company will find out and raise our rates?""

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Best Health Insurance For Self Employed?

I really need help finding a good health insurance option. I started my own company in 2009 and have kept it active and grew it slowly ever since. I was, until recently, employed at a large bank where I had good health and dental benefits. I recently left the job to take my business full time and scale it up. I am doing that full time now and it's been about a month since I left my job. I elected to keep my dental insurance through COBRA, because it will only cost me about $23/month. However, to keep my health insurance through COBRA would cost me almost $500/month and I felt that was too much. I have read all the paperwork and believe that I can still elect COBRA for my health insurance for about another month. They give you 60 days from your last day. However, I believe there has to be a better/more affordable option. I am 26 years old and healthy, but God forbid anything ever happened, I want to be covered. Also, if my girlfriend ever got pregnant and I had a child, I would want to be able to sleep at night knowing that I have the health insurance for this. What are my options here? Are there good companies out there that are more affordable than the $450+/month I would have to pay if I kept the United Healthcare plan that I had at my previous job? All advice is appreciated. Thanks!""

Why isnt health insurance free.. (taken out of taxes)? like other countries?

with all the taxes taken out ud think that would be the most important thing... i presume its because it would hurt companies that sell insurance in some kind of way... but im not sure... can any explain to me why? will it ever change? i think of all the things our taxes pay for ... it should at least pay for health insurance ...

Tips for a 17 year old MALE driver to get his CAR INSURANCE premiums below 2000?

In all seriousness, it takes the absolute Michael how much it costs a 17 year old male to get insured.... on my mums insurance on an Insurance band 1 car i'm looking at 2400. I'm a student, my mum has over 20 years no claims, and still i'm getting ripped off. Any tips other than doing driving courses? Am I just doing something wrong with the insurance websites?""

How much does Auto insurance cost in Mass?

I am moving to Mass, and am curious if someone can give me an idea about how much it would cost to insure a 97 Acura CL 4 cylinder car. I am having a hard time finding quotes online. Round about numbers would help.""

How much is insurance for a 2005 V6 mustang for a 49 year old women?

My mom wants a mustang for her birthday just to drive back in forth to work. What will the insurence cost for her

Car insurance cost for 17 year old?

Im 17 and ill be needing to pay for car insurence the car and th insurance compnay is in my parents name righ tnow they pay 150. my parents are putting me on the insurance policy and they are making me pay whatever is above 150, how much will i be paying. I live in virginia if that helps""

Unemployed 18 to 25 year olds forced to have health insurance under Obamas plan?

if you where laid off, then your ok. But if you quit your last job you will be required by law to keep health insurance or be fined $2700/yr. And by the way thats $225/mo. for the ...show more""

""I lower my car insurance deductible a week ago, would the insurance company accept my claim today?""

Because of the bad snowy weather we been having, I recently lower my car deductible from $1000 to $250 . My car just sliped today and hit a curve. I took it to have it checked, and the shop told me it would be around $3000 to get the car fix. Would my insurance company think that i lower my deductible after the incident happened? Would they cover the damage? Should i wait before trying to file the claim?""

Is buying insurance where i go to college ok?

I live in new york city where insurance is high as hell but i go to school where it is much cheaper. i also live on campus. am i allowed to buy insurance where i go to college? i spend alot more time at college than i do in the city anyways.

Impounded Car Insurance Payment Method.?

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In your opinion (or based on any experiences) what is the best kind of car insurance?

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I got a ticket on my very first day of driving for an illegal left turn (one of those that you cant make during certain hours unless you are a resident of the street). I got the ticket with 3 points, i went to court and paid off all 3 points and got unsafe driving under my name hoping that it wouldn't affect my insurance, which was under my dads name (Allstate). Even with paying off the points my insurance still doubled. Now my question is, is there anything I can do to lower my insurance? Maybe I can take a course somewhere. Are me and my dad better off looking for a new insurance company? Maybe i should drop my car from my insurance and taking the bus again? If there isn't anything I can do, how long will it take for my insurance to drop again? Right now we are all in hard times and i made it much worse for my family, any help would be greatly appreciated.""

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Milan Missouri Cheap car insurance quotes zip 63556

Milan Missouri Cheap car insurance quotes zip 63556

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I accidentally backed up into the corner of someones parked car going about 3-4 mph and there were some paint scuffs and a 4-5 inch crack.

""Can i get my medical insurance to pay for surgery to correct a covered surgery, if coverage lapsed meantime?""

In 2008 I had insurance in California, through my employer. I got laid off in June, but was on COBRA in Sept. 2008, when Blue Cross authorized me for gastric bypass surgery. In Oct 2009, owing to a dispute over COBRA payments, my insurance lapsed. As of Nov 1 I have no coverage, and new insurance through my wife's Kaiser won't start until Jan 1. Yesterday (Dec 23 09) I had to go to the ER due to abdominal pain that turned out to be a complication of the 2008 gastric bypass. Last night I had a CT scan and emergency surgery to correct the problem. Blue Cross rejected the claim, which of course makes sense and pushing it through was just a formality anyway. But today I wondered if, since the procedure was covered originally, would surgery to correct a complication be covered by law even if my insurance lapsed? I know I'm grasping at straws here, but it seems like it might be worth a consultation with an attorney to find out. I think this surgery is going to run to $40K or more. It was a simple laproscopic procedure, but y'know nothing's cheap. The original bypass was billed to Blue Cross at $38K. I know it's not like defect liability, since a surgeon can't guarantee there will not be complications. Also, I know I can't expect free legal advice here. But if someone knows for sure or has thoughts one way or the other would be helpful.""

How to get insurance coverage when between jobs?

My wife had her own health insurance with her previous employer, and I have my own with my employer. We do not have kids. She started a new job, but probation period for benefits is 3 months. She worked for a dental office of 5 employees, so I don't think COBRA is an option for her plus it's really expensive. Is it possible to add her to my work insurance plan for only 3 months mid calendar year?""

Where can i get visitor health insurance at affordable rate?

is there any good co where i can get affordable visitor health insurance thanx for suggestions

Why is it important to carry car insurance if the odds of a major accident are quite low?

Its a stats question

""Car Insurance, should I go as a named driver?""

I am 25, just passed, I got a quote from the post office for a 2001 MITSUBISHI Colt 1.3 Equippe at 2500 for the year... I live in a posh area (my nan n grandads) and the car will be parked on the drive. If I go as a named driver on my Grandad's insurance, who has plus 10yrs no claims how much cheaper do you think it will be? Does my Grandad have to buy the car in his name? What's the best way I can do this? Or should I just drive his punto 1.2l as a named driver, as a guess how much do you think i will have to pay extra so my grandad is still paying the same he usually does?""

Road trip without car insurance?

So my girlfriend and I want to go to Las Vegas with some friends. We don't have a car, but it friends does, however, he doesn't have car insurance. Would it still be ok to go? Why or why not? Well be traveling from SLC.""

Is Matrix Direct a good ins company?

Is Matrix Direct a good ins company?

How much more will the insurance go up? From Ford Ranger to Ford Mustang.?

I saw my dad right a check for my ranger to the insurance place for $75.. im about to get a 2003 mustang. How much will it cost for that on estimate just liability and it'll be on my parents insurance? Im 16 year old male with a 3.0 gpa. I have my own job too.

How much would my insurance cost?

hi i am 18 and looking for a vauxhall corsa the old one or a ka the old version i wanted to know from my age and the car on average how much would my insurance cost a month i am from england so could you tell me in pounds please p.s. i know it depends on a lot more things but it will be my 1st car could anyone please give me an average thank you

Does anyone know where i can get cheap and affordable health insurance from in wisconsin?

Im looking for cheap or affordable health insurance ,, sure cant seem to find any .. does anyone have an answer""

Insurance Question for lawyer?

i have an insurance that i paid full for six months and it still has two months left however, someone called the insurance place and cancelled my insurance. they didnt pretend to be me, they just know somebody that works in that insurance place, it was the same person who had recommended me to that place. what really bothers me is that this person now knows my information, what car i drive, address, color of car, any and all information that the insurance place has. i know i can get my insurance reinstated because i paid it for six full months and everything is under my name my question is if their is anything else i can do, or does anyone know of any laws that this breaks. im sure that its illegal i just dont know the laws, help anyone?""

How much time do you have to get car insurance after buying a car?

I'm considering buying a car insurance, I've been driving for years but none of the cars have actually been in my name and my mom has me on her plan. If I buy a car I'll need insurance, how much time would I have to get it?""

Are annuity health insurance premiums deductible?

My husband gets a government pension. His health insurance premiums are deducted from the annuity payments each month. (I don't know yet if the premiums are paid with pre-tax or post-tax dollars, looking into it.) Are those premiums deductible in the medical expenses area of our federal income taxes?""

""If I fill in a online Auto Insurance quote ,give them information like my SS# am I at risk for Idenity Theft?""

If I fill in a online Auto Insurance quote ,give them information like my Social Security number and the rest of my personal information that I am I asked for online am I putting myself at risk for Identity Theft?""

Will my insurance cover Invisalign?

My doctor recommended me using Invisalign cause i have 2 crooked eye teeth (not bad...) and my insurance covers 90 percent of what i get done. But wouldn't Invisalign be under cosmetic?? So my insurance wouldn't cover it... Just wondering if somebody might know the answer to that...

Car burned in fire with no insurance.?

My car was at the mechanic's shop in my local town and was parked behind a house that sat in front of the shop. The house caught on fire throughout the night (we don't know ...show more

Cheapest Auto insurance?

Cheapest Auto insurance?

How much would insurace cost monthly?

Im 16 and im gettin a 2003 cadillac CTS when i get my licences and i have a few questions. The car is $10,932 how much would the down payment be also how much monthly plus insurance?""

Where the best place to get a good deal on cheap insurance?

I have a 98' cadillac sedan deville that I just paid off but i still want full coverge for it, if something would of happen to it.""

What is the average cost of car insurance?

What is the average cost of car insurance?

Milan Missouri Cheap car insurance quotes zip 63556

Milan Missouri Cheap car insurance quotes zip 63556

""No health insurance, what can I do?""

My ex is responsible to provide health insurance for our 9 year old daughter but due to switching jobs no longer has insurance and hasn't since November. If our daughter got sick what are my options for healthcare, could I have them send the bill to my ex? I live in California.""

Any suggestions on first time driver insurance in the nyc area?

I need suggestions on good affordable insurance, keep in mind Im a first time driver.""

What is the best insurance company to have if you need to go into a rehabilitation center?

Which insurance covers the most??

""If my friend owns a car, can I have full insurance on it?""

If my friend owns a car and I am making payments to him to eventually own it, is there a way that it can be fully insured in my name?""

I am 17 and pregnant and don't have health insurance?

i just found out i am pregnant and i am 17 ill be 18 in june. I DO NOT BELIEVE IN ABORTION!!!! i don't live with my mother or father i live with my aunt and grandma.... i have no health insurance and that is a big problem because how am i going to pay for the doctors and delivery.... can some one please help me finding some place that can help with insurance for the baby and me. P.S i live in california . and please don't even bothers answering me if u have nothing good to say because i do not need your immaturity. Thank you so much for you help :)

Fronting car insurance?

I made a separate thread about me being a second driver but owning the vehicle,i wont actually be using the vehicle as much as the main driver,Hence me being the second driver.The answers i got back were You're fronting and its fraud blablabla . Is it fronting if i am a second driver but own the vehicle?Surely if i dont use the vehicle as much as the main driver then reguardless of who owns it thats correct..?""

I am moving to California on a J1 visa do I need to get a californian driving licence?

Hey, Im moving to Los Angeles for a year this month on a J1 visa. I need a car for the internship I am doing. I was wondering would I need to get a californian driving licence. I checked the dmv website and it says that If I am becoming a residnent I would need to get one. A resident is considered someone voting in an election or paying homeowners tax which I won't be. I just need it set clear whether or not If I need a california licence to drive or will my British one be ok? Also will insurance companies insure me on a foreign licence.""

Which car is the cheapest to insure for a newly qualified 17 year old driver ?

My daughter wants her own car but insurance costs seem very high - can anyone sugest a suitable car for a new driver that won't cost her a small fortune to run or maintain ?

What is the most affordable Health insurance that covers maternity?

My wife and I want to have a baby and we are trying to find an affordable health insurance that covers all the prenatal costs and the birth. Which company offers the best and most affordable plans? For how long do we have to have the plan before my wife gets pregnant?

No insurance not my car?

Hi, my friend bought a car of some random guy on 3-19-09 and she has not registered it under her name yet, as the tags are not expired until late Dec 2009. Now i was doing repairs on the car, took it for a test drive, and got cited over by a peace officer for being on the cell phone. Now, since my friend hasn't registered it or no gotten insurance. My ticket says No proof of insurance...Am i financially responsible for this ticket? i am guilty for being on the phone, but the insurance? Ticket was issued on 4-11-09 I live in CA Thanks guys""

How much does business car insurance cost?

How much does business car insurance cost?

Change in Health insurance? Or not?

First, I hate insurance companies. I really don't understand how they can continue to get away with the cherry picking of clients to minimize their losses...I myself have health insurance through my employer, however when I was between jobs at one point I applied for short term coverage and was denied because I had previously had an abnormal pap smear...I was furious!!! My quesiton is - how do you think private health insurance will be impacted, IF AT ALL, if Obama gets elected this fall?""

What is a good website for getting non owner sr22 insurance?

Non owner sr22 insurance. I don't own a car and I do not have the time to make calls for insurance quotes. So I'm looking for a good website for getting cheap non owners sr22 insurance. Anybody knows someone? Thanks

""Someone else got a speeding ticket in my car, does my insurance rates go up?""

My fianc was driving my car when we were coming home from dinner, he was doing about 17 over I believe and got a ticket, however he's a permit driver.. The car is mine and is insured and registered in my name, I gave my license and registration to the cop when he took my fianc permit, the ticket only had his info on it, my plate number and the date my registration expires. No other information of mine is on there. He didn't ask to see my insurance card. So question is, are my rates going to go up because my fianc was driving and caught speeding?""

How much am I gointo pay for car insurance?

I am 17 turning 18 soon and when I graduate I plan on getting a 2011 Subaru WRX STI or a 2012 Mustang GT . I was just wondering how much I am going to be paying for insurance on either one. I will be 18 when I get it, I am a male and have a clean driving record. Please help, this will most likely be the deciding factor for which car I get. I would also like to know which car you would get. Thanks!!!""

Homeowners insurance quotes?

is it true you have to pay upfront 1 year homeowners insurance when buying a home.

What insurance do you have ?

we are looking for a good family insurance that could have dental coverage and eye care coverage as well as health any suggestions ? (ps family of four)

Does anyone know a good insurance company that will insure a young driver on a sports car?

i'm buying a convertible with a 1.8 engine i'm having trouble finding quotes below 4000, if anyone could suggest some cheap insurance companies that would be great!""

Best Health insurance for a young mom and college student?

I'm looking to find a health insurance suitable for me, a young mother (20) and college student. I did have Medicaid but they're saying I make too much and I'm only allowed to make 188 a month.. O_0 So I decided to just stop wasting my time and invest into my own insurance. My fiance said maybe I can get on his after we get married but Idk about that. What are some good affordable Health insurance for someone like me?""

What is the cheapest auto insurance company?

looking for a very affordable auto insurance quote/payment per month. Anyone knows? please and thank you.

How is the auto insurance for a Mazda 3i?

My first car, I have 1 speeding ticket on my record and two accidents, both not my fault. I have USAA insurance through my dad. How much do you think I'll pay a month?""

Good Insurance Policy for Newly Married Couple?

Me and my wife just for married. We are both 21 years of age and are in college. We know what having a good health insurance policy should be our highest priority. Is there any affordable and good insurance policy someone can recommend? Thank you.

Question about healthy families health insurance?

is it true healthy families cuts off the insurance for you when you turn 18??? im gonna turn 18 in a week and i need to go to the doctor. will they cut off the insurance?

Auto Insurance Experts: How much will I be penalized for lapsed insurance due to non-payment (I'm unemployed)?

I have been without insurance for nearly a month now. I have been unemployed for 5 months, but I will start a new job next week! Yay! Since I will start working soon, I will be able to afford to pay again. My car will also be paid off next month. I plan to go with a new company. (I do not have loyalty to the current company.) I used to have a well-known national company for years. When I first lapsed six months ago, my long-time company DOUBLED my monthly premium. I went for a low-budget, local company. Will the new company force me to pay for the time I did not have insurance? Or will I face a penalty? Will they charge me a higher rate? **Believe me, I know that I am taking a terrible risk driving around without insurance. I know that it is illegal...but I have been unemployed for 5 months, and have used the little money I had to pay rent, utilities, my car, groceries for me and 3 kids. I just had no other choice... I just want to be prepared for fees, higher rates, penalties, etc. Can you please give me some advice and suggestions on how to get myself back on track? Thanks.""

Estimate on drivers insurance?

Hello, i'm 16 years old and about to get my license any ideas on how much insurance would cost me? My family has Allstate and i can qualify for the good student discount.""

Milan Missouri Cheap car insurance quotes zip 63556

Milan Missouri Cheap car insurance quotes zip 63556

Do I qualify for unemployment insurance in California?

I worked a full time temp job that only lasted 4 months. From May to September. I m wondering if that is enough to qualify for unemployment insurance in California?

Can someone give me advice on good health insurance that offers maternity coverage??

I am looking into individual health insurance because my hubby and I are trying to conceive and I don't have any. I know I need to have it BEFORE i become pregnant. I don't know a thing about insurance and can't seem to find any insurance companies that offer maternity coverage.......I work for a temp agency and have worked for them for a year and a half and their insurance is astronomical so I'm looking on my own. My hubby doesn't have insurance where he works as a mechanic so i can't get it through his insurance. Any advice would help!!!!

""Accidents, car seats and insurance?""

My son's father had an accident tonight. I realize the car seat now needs replaced. Does insurance pay for this? Do they send a check or reimburse? Do insurance companies balk at paying for new car seats in accidents that weren't 'that bad'? He hit a deer but did not total the car, but had some damage to the fender and was unable to drive the car away from the accident.""

How will canceling my auto insurance effect my credit?

I have insurance right now on my car that is quite expensive. I've had it for a month but I found a cheaper one I'd like to switch to. Will it effect my credit or anything of that matter in any way?

How much does it cost to go for an eye exam in new jersey without insurance?

I want to get my eyes checked and have no insurance.I was wondering how much it would cost? Is lenscrafters good or more expensive? pearl vision?

Insurance?

isnt an insurance company suppose to cover your car regradless the person driving it? well my boyfriend was driving my car-just bought-brand new car- and got into an accident. Now my insurance company denied my claim cause they say he wasnt under the insurance. but should my car be cover regradless if the person driving wasnt? I mean I pay monthly payments and then they are just gonna deny me after an accident. could anyone help me? any advice?

How can you justify paying this much for insurance?

my insurance was canceled on my a month ago so im shopping around. i have a friend who is a broker who recommended using progressive - for $711 a month. wtf. i have 1 speeding ticket, 1 minor traffic violation, and one comp claim. i used to have state farm and the most i ever paid was $240 a month. this is just wrong in all respects. how do they expect any 21 year old to pay that much? thats a rent payment. i have an 05 scion tc, im wondering if buying a cheap beater would affect the price at all.""

Rental car insurance -- what does it cover?

We are going to Vegas in a few days and are renting a car. Since this car is going to be in and out of parking garages, I think it's a good idea to buy the rental car insurance @ $ 10.99 a day. Say while the car is in the parking garage and someone scratches or dings the door, would this insurance cover it? That's all I'm really worried about.""

Where i can get car insurance groups explain?

Where i can get car insurance groups explain?

What is an affordable life insurance for a cigarette smoker?

What is an affordable life insurance for a cigarette smoker?

Car accident and insurance/how much in repairs?

I got into a minor car accident yesterday afternoon while I was parallel parking on Walnut Street in Philadelphia. I was backing up and I hit the curb. The front end of my vehicle was still sticking our quite a bit, so I pulled out a little bit so I could pull in the rest of the way. The person behind me thought that I was done parking so pulled around me and I ended up hitting her. Her fender and her door skin need to be replaced. Does anyone know around how much this would cost to repair? She had the police come so I am assuming that she wants the insurance company to cover the damage, however I would rather pay for it out of pocket. Obviously, my insurance company is going to find out about the accident, but after the insurance companies decide the breakdown of the fault, would I be able to pay for my part of the damages without my rates going up? Or at that point would it not matter, my rates are going up anyways? I ask this because I'm 19 years old and would prefer to not have my rates go up.""

Do you have to be a licensed insurance agent to do this?

Do you have to be a licensed insurance agent to quote Medicare Supplement rates in Texas? Please cite a source of your information.

""What would you do? Really want a baby, but afraid of losing insurance.?""

I know this is just for my husband and me to decide, but I'd like to hear what other people would do. We really want to have a baby (we've had two losses in the past). We've paid off our bills and have some savings for a house (we'd like to buy one in about 5 years). The only thing stopping us now is that his job can be unstable and, although we'll continue to be fine financially, I'm afraid of losing insurance. Would you take the risk?""

Is health insurance worth the money?

I have been with Bupa health insurance for years but have never used them. I'm 21, Do you think I'm to young to need insurance as I will most likely not need any untill I'm in my 40s. Is it a wast of money? Its only 52 a month so not to expensive but I suppose I could spend the money on things I enjoy. What do you think.""

""I am getting ready to get homeowners insurance in Indianapolis, IN. Anyone have a good place they go?""

I am going to be in the Speedway area but it doesn't have to be in that area, just someplace around Indy. Just looking for an affordable and reliable place. Hopefully you guys have some good suggestions. Thanks in advance!""

""My Dad has cancer, and my parents can not afford life insurance for him. Can I get it to help out when the time comes?""

My Dad has cancer, and my parents can not afford life insurance for him. Can I get it to help out when the time comes?""

Car insurance for 27 male?

Hello, Im 27 year old male, driving a 2003 mazda protege with 170 000 kms. I live in London Ontario. How much will car insurance be with a clean record?""

How much money have you saved on insurance rates because of seatbelt laws?

Please give me a figure and proof that insurance costs have been lowered since the mandatory seatbelt laws. Or helmet laws. How much money do you save per year since you have given up your right to choose?

Who should I trust when it comes to auto insurance?

I am looking for Auto Insurance but want to deal a company I can trust.

Is it covered under insurance?

i want to change my old cavities to the white cavities to match my teeth. i hate to open my mouth in front of people because i have so many cavities. the thing is, is it covered under insurance and is it expensive?""

Health insurance?

is there any other form of low income insurance in south carolina besides medicaid? im 19 with a baby. i cant work because i dont have anyone to take care of the baby and cant afford daycare. i rely on my parents support. also i live with them. my baby is on medicaid but i am no longer eligible because of my age and i am not disabled

Where can I add my name to health insurance waiting list and what are average waiting times?

In our state we imposed rent controls 10 years ago to help the poor with more affordable housing, and apartments available for rent disappeared from the market for some mysterious reason. I spent 6 years on a waiting list and still my turn never came. To tell you the truth almost all vacancies are filled either through bribes or nepotism. One week ago our Governor imposed price controls on health care insurance premiums to help the poor with more affordable health care, and policies available for purchases disappeared from the market for some mysterious reason.""

Affordable health insurance?

I am a married woman and am looking for health insurance just for myself. My husband does not want to get it for both of us just yet. I get birth control every month and I have contacts, so I would like affordable health insurance that would include vision and lower my yearly visit to the gynecologist. It should also be good for the possibility of my birth control failing and I get pregnant. I live in Alabama. Do you have any ideas? I'd like it to be under $100 a month.""

Getting married early for health insurance?

I'm wondering if there are any risks to getting married early in order to qualify for future spouses health insurance? For example, what are the tax implications to getting married? Were already engaged and were planning to marry later next year, but now that Im between jobs it would be much more affordable to access spousal health insurance rather than COBRA.""

17 year old male car insurance?

Hi, I'm 17 year old male looking for car insurance - I know that the insurance is going to be expensive, but the cheapest I can find is just over 6000! It's for a 1 litre citroen C1, I don't live in a rough area or anything. What am I doing wrong? My friends are driving cars, and they're paying around 2000. I tried everything; pass plus, third party only, low annual mileage, high voluntary excess - what am I meant to do? I've tried all the price comparison websites.. Thanks for your help!""

Milan Missouri Cheap car insurance quotes zip 63556

Milan Missouri Cheap car insurance quotes zip 63556

https://www.linkedin.com/pulse/car-insurance-cheap-21-year-old-patrick-rice/"

[justinrmcneill-blog]

The Selection Effect and Personal Finance: Are You Affected?

If you've been reading The College Investor for any length of time, I hope you've come to the conclusion that smart money management isn't rocket science. Even the jargon-laden field of investing isn't so difficult once you understand the basics.

However, even people who have taken the time to research and understand personal finance end up making big financial mistakes. Why is that? Part of the answer is that it's hard to do things that we know we should do. The other part of the answer is that sometimes the “right path” turns out to be a dead end. Our cognitive biases may prevent us from making wise financial decisions even when we're trying our best.

Below we explain five different ways that cognitive bias could hurt your pocketbook.

Quick Navigation

Survivorship Bias and Investing

The Skin-in-the-Game Effect and Investing Advice

Sampling Bias and Income Advice

Anchoring and Insurance Sales

​Confirmation Bias and Financial Advice

Final Thoughts

Survivorship Bias and Investing

Survivorship bias is the idea that people often focus on people who “survive” some process while neglecting to think about those who didn't survive. This type of bias can be particularly influential when making investing decisions.

One of my favorite subreddits is called WallStreetBets. The people who post on this forum are taking some of the riskiest bets in investments. When I first started following the forum, shorting oil futures was the hot investment. These days, the forum focuses mainly on options trading.

One reason I love this forum is that most users are faithful to report their losses as well as their profits. That being said, posts proclaiming a $10K, $50K, or even $100K gain are a lot more interesting than a post declaring a $350 loss. When studying this forum, it could be pretty easy to assume that most investors make a ton of money with every trade. In fact, that's not true. It's just that those are the investments that get reported.

Instead of assuming that investors are always giving sound advice, it pays to try to figure out how many have failed along the way. Additionally, if you're interested in active investing, and you don't want to get your shirt taken, I strongly recommend looking into the Kelly Criterion which can help you determine the size of bet you should take (relative to the size of the portfolio).

The Skin-in-the-Game Effect and Investing Advice

Survivorship bias refers to a personal cognitive bias that can lead to suboptimal outcomes in investing. However, another bias can lead to you accepting some pretty bad advice (particularly if you don't know who is giving the advice). The skin-in-the-game effect refers to the idea that someone who isn't exposed to the consequences of certain advice may give bad advice.

If you're posing questions on online forums (particularly about investments), you're bound to get some pretty bad advice. If you ask whether you should put your $50,000 into Ethereum, someone is likely to respond, “Why the hell not?” That person has no skin in the game. It doesn't matter to them if you lose all $50,000, and they don't care about you personally.

On the flip side, if you're talking to someone about a random alt-coin, there could skin-in-the-game that you don't realize. They could be encouraging you to invest in something simply so they profit. I see this with some online social media personalities who are "pumping and dumping" alt coins and other speculative investments.

I think it's great to seek advice online, but be careful before taking action. The people giving it aren't going to bear the consequences of your actions, but you are.

Interestingly, the skin-in-the-game effect can lead to overly optimistic advice in the world of more traditional financial planning. For example, many financial advisors (as well as financial independence bloggers) advise clients to rely on a 4% withdrawal rule. That means investors can live on 4% of their base portfolio, adjusting for inflation.

However, these advisors have never personally lived on an investment portfolio and may not truly have accounted for possible massive or long-lived stock market recessions. The math of the 4% rule may be perfectly sound, but living the 4% rule is assuredly different than advising others to live by it.

Sampling Bias and Income Advice

One of the most difficult biases to overcome in the digital age is “selection” or sampling bias. When it comes to crowdsourcing ideas, you need to be very careful to take the ideas with a grain of salt. You need to ask two important questions: who is answering my question and who isn't?

When it comes to personal finance, I see sampling bias most significantly when I see questions related to income. In particular, when I see people pose scenarios about how to raise their income, I'm shocked to see some of the advice.

In several Facebook groups that I'm a part of, the advice on raising income boils down to asking for a raise, getting a new degree, or getting a second job. This isn't necessarily bad advice, but it's advice from average people with average jobs. Nobody who is crushing the income side of the equation is chiming in. Salespeople who bring in six figures aren't recommending their favorite books, and entrepreneurs aren't explaining how they launched their first product.

The advice you receive is generally a function of whom you ask. When it comes to asking for advice about income, I recommend asking people who are doing amazing work to give you their advice. Otherwise, average advice will yield average results.

I love this quote by Jim Rohn:

You are the average of the five people you spend the most time with.

So, ask yourself, who are the five people you're surrounding yourself with that are impacting your financial life?

Anchoring and Insurance Sales

One cognitive bias that I've personally fallen for is the concept of anchoring. Anchoring is focusing on a single piece of information when making a decision. Anchoring can be a helpful heuristic; for example, I anchor my portfolio performance expectation with the S&P 500. When the S&P 500 is down 25%, I'm not so worried if my portfolio is down 28%.

However, anchoring can lead to some pretty nasty financial outcomes particularly related to buying insurance-type products such as whole life insurance or annuities. Personally, I think that whole life insurance and annuities are derided too heavily. I can think of scenarios where these financial products would play a role - especially annuities (less so whole life - especially with the new estate tax limits). 

Less-than-ethical insurance salespeople may anchor buyers' attention on a single product attribute (for example, internal rates of return or guarantees) without explaining the assumptions. For example, I purchased a whole life insurance product that assumed a 7% internal rate of return which is nearly impossible for a bond-heavy portfolio to hit these days. I purchased it because I was anchored in the 7% internal rate of return, not because whole life insurance meets my particular financial needs.

Before becoming enamored with particular features of a product, you need to be sure that the product itself is a good fit for your needs.

This also comes close to the category of financial whataboutism that we talked about before. This is where people make comparisons such as "what about this" to try and anchor the discussion around something that really doesn't matter. 

It can really be a costly bias.

​Confirmation Bias and Financial Advice

The last cognitive bias you (and your wallet) should beware of is confirmation bias. This is one of the most deceptive forms of cognitive bias. Confirmation bias is the concept that we share ideas with people who are likely to agree with the validity of the idea.

For example, if you're in an entrepreneurship group, and you have an idea to start a business, the other group members are likely to applaud you. Take that same idea to your grandmother, and she's likely to wonder why you don't like your stable job in the air-conditioned office building.

In general, we're going to seek out the opinions of the people who agree with us. Personally, I think confirmation bias can help us get up the guts to do something a little bit risky, so it can be helpful. That said, if you're trying to understand a financial decision from multiple angles, confirmation bias is a sticking point. 

If you only seek advice from people who think like you, you're unlikely to come to a great decision. I see this a lot in Facebook groups focused around Dave Ramsey and Mr. Money Mustache. Both of these individuals have really "die hard" rules about money and life. Some of these groups create an extreme confirmation bias effect around each other and really refuse to listen or acknowledge that alternative approaches might be beneficial.

Before making any type of big financial decision, you need to acknowledge multiple angles to any situation.

Final Thoughts

As more and more personal finance discussions happen online, it's really important to keep these cognitive biases at the forefront of your mind. It can be hard to do - our perceived reality of the world can become skewed very quickly with different opinions, advertisements, groups, and more.

But I always remember a key lesson I learned early on about money online:

People who aren't doing well will reach out and/or post on forums much more frequently to complain, vent, or to try to improve. People who are crushing it typically don't talk about it online publicly. I think the ratio is usually 10 to 1. Keep that in mind everywhere you go financially online.

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