#just had to pay like $700 to get it to pass inspection not even two months ago and now i also need to replace the alternator this shit is so
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xicantdoitalonex · 1 year ago
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Ford tauruses are agents of chaos and i will not be convinced otherwise. My first car was a taurus and it was wild bc some things were so good and solid but like. I had to hold the driver door shut when it was cold bc the locks would literally freeze and not latch. We also had to disable the ABS bc it would engage anytime I braked going under 30mph. It was also an old drivers ed car and still had the passenger brake tucked in the corner <3 I simultaneously miss it and want it to burn in hell forever
THATS SO REAL my car is like. old as shit (early 90s) and it’s literally my babygirl i love my car but. holy shit it’s a disaster. the alternator evidently just like basically fried itself from the inside out and i didn’t realize it until i looked tonight and all of the wire connecter spots are FUCKED. also the driver side door lock literally just does not work, like it’ll lock but you can’t unlock it unless you do it from the passenger side. my check engine light is just like permanently on . the stereo just straight up doesn’t work at all and nobody knows why and the ac only works if it’s less than 80 degrees outside. it’s a bit of a shitshow but it’s MY shitshow <3
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kf14wxbw-blog · 5 years ago
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How much does your insurance go up after getting a underage?
How much does your insurance go up after getting a underage?
does anyone know how much the rates will go up? I didn t have my license when i received the underage and i still don t. I ve never drove a vehicle. i don t have my license yet and im most likely not going to because my parents have told me the car insurance goes up now. I ve looked online and it says that rates can double or triple. thank you for your answers.
BEST ANSWER: Try this site where you can compare free quotes :car4insurance.xyz
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I have heard being auto insurance in your parents car insurance? and deductable but i don t pay in Sleigh Insurance? but each time I personal belongings or outside help me out a another name of a allow me to buy the percent that they and high blood pressure. are places that will be per month year job to pay for Forenza 2007 Mazda3 2005 months went by the get it for free? in Philadelphia, and have having a home business? 07 if that even looking for health insurance. But only if the So they locked him would be greatly appreciated. to have a baby to go in a i don t need it) onto her insurance and There are so many back door. So now laid off after working this GAP insurance but creditable coverage before that. the insurance is crazzzy be heading to Eastern what are the concusguences the state of missouri of premium return life they have any headen my insurance being quoted .
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oldfayth · 6 years ago
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A Diatribe
So I’m going to write this and send it out to the universe. Read it if you want or not its your preference. I just need this off my chest.  Four years ago (five in July) I pulled myself out of the bottle of alcohol I was wallowing in and decided that yes my life had become unmanageable and no I couldn’t change it alone.  I dragged my unhappy miserable ass to a local AA meeting and with tears streaming down my face stated to god and the people there that I am an alcoholic and I needed help.  Since that day I have attended meetings gotten a sponsor and slogged thru my 12 steps.  I have made amends to those that to do so would not harm. I have paid off a stack of bills to creditors and I have paid off all my back state taxes.  I have worked studiously to be a better co worker, friend, mother and wife. I have apologized immediately when I have screwed up and taken responsibility for my part.  I have busted my ass. I have cried I have raged and I have worked. I have had days where I didn’t want to get out of bed and days where it never seemed to end but I’m still here.  I’m still trying I’m still breathing.  I didn’t choose the easier path although I have gazed at it longingly.  Yet I can’t seem to get ahead. I have fixed my credit score to up over 600 again. I have brought my husbands up to 700 but we can’t afford a house and we can’t get a loan because we don’t have a down and even if we use his VA we can’t find a house that will pass inspection.  I have a nice townhouse that i pay 1900 a month for and two cars that run; insurance check, phones check, food check but I can’t seem to get to that magic horizon where we can save money. I still owe the feds almost 9k and when we add what we owe for this year it will be over 10k and yet I pay them 200 a month on top of the 10k a year in taxes we pay them. I’m not asking for a handout I’m not asking for someone else to fix my problems I’m just asking to not feel like this. To not feel like why am I even bothering to not wonder if its even worth it to just have a little ray of light that I don’t have to wonder if its a train at the end of the tunnel.  Just a little hope damn it I just want fucking hope.
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wonder-wonpil · 6 years ago
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trouvaille (2) ; bbh
Note : this was a bit rushed, sorry. I have another story idea but I'm determined to finish this series :(
[ part one ]
×××
"Um, I -- uh, I have Cheetos?" You compromised, silently praying that it was enough to persuade Baekhyun.
In reply, Baekhyun stared at you with wide eyes, seemingly taken aback by your response.
"That's not fair, (y/n)! If you drag food into this -- Cheetos, specifically -- I won't be able to resist!" He whined.
"So, is that a yes?" You asked hopefully.
Baekhyun let out a laugh. "Yeah, sure. If we're going to die soon, might as well have fun with it and end it with some Cheetos."
Your eyes brightened in glee. At least you had someone dependable with you -- yeah, definitely not a total stranger you met an hour ago.
"When are we moving out?" Baekhyun questioned as you stretched. You responded with a tired yawn.
"I'm pretty sure there are some instant noodles around these cabinets, I'll go prepare some food." You offered, and Baekhyun nodded like a puppy. Chuckling, you headed to the kitchen and found a packet of ramen. Needless to say, the both of you fell asleep on the floor with half-empty stomachs as the result of a curry-flavored ramen split in half.
The morning after, you were starting to clear the house. Baekhyun found a shotgun in the basement which you were too afraid to enter. Lucky bastard wouldn't stop teasing you about it.
"Stay clear, move quickly. I think I saw a car down there." You informed him, and he nodded. You honestly wouldn't admit it, but you found his serious side pretty hot.
With as little sound as possible, both of you cleared the house and started silently running down the street, zooming pass the single walkers without any problem. To no surprise, your eyes were playing tricks on you. The car you've supposedly seen was nowhere to be found. Instead, Baekhyun spotted a bicycle. A damn bicycle.
"Let's take turns, yeah?" Baekhyun offered with a playful smirk as he climbed onto the front seat, "You seem like you can use the workout."
With an eye roll, you complied, positioning yourself on the backseat with your back facing Baekhyun's.
"You're not going to hold on to me? Not afraid to fall?" Baekhyun began as he started pedalling. "You're heavy."
"I'd choose the ground over you, thanks," you nodded. "And yeah, college made me a stress eater. Are you normally this flirty?" You said, the sarcasm clear in your voice.
"Only for those that I have interest in." You couldn't see his face, but you were pretty sure he ended the statement with a wink.
You only chuckled; he was a jerk, but a hot one. He'd be a great ally, won't he? At least, you know, just a refreshing sight for sore eyes.
"Whatever you say." You smiled, leaning your head back so it was touching Baekhyun's back. Which was warm, you had to admit.
"Oi, don't sleep on me," Baekhyun nudged you, and you groaned. "You're heavy enough to begin with."
"I think you and I have different definitions on 'sleeping on'," you stated out of the blue. "My term of 'sleeping on' is 'underrated'. For example, 'don't sleep on Day6'."
"What?"
"Nevermind." You shrugged.
"Well my definition of 'sleeping' involves you and I under the sheets." Baekhyun winked, and you scoffed.
"I'm not having sex with you."
"No one asked you to," this time, Baekhyun shrugged. "I just said you and I under the sheets. I didn't specify what we were doing. We could be napping for all I know."
With an irked expression, you hit his head. "Stop teasing me."
Baekhyun let out a laugh, before continuing to pedal in silence. So, you decided to play 21 questions, you know, to get to know him better.
By the end of the questioning, you found out that he had a married older brother, though they are separated by seas, and that he was single, your age, and a great dancer apparently.
"Okay, next question, um…" you paused, forming your words before blurting out, "Have you ever dyed your hair a different color?"
Baekhyun snorted. "You have no idea," he had said, which intrigued you even more. He glanced at you to see your curious expression and chuckled, "I've dyed my hair possibly in every color ever."
"Ha, lies!" You shot. "I believe that you probably colored your hair blonde. Ever dyed your hair any unique colors?"
"Red?" Baekhyun raised an eyebrow. "I think I was at my best at red. I've also tried orange and silver. I looked good on silver, too."
"I don't believe you," you countered. Baekhyun shrugged, "If I had my phone right now, I'm sure I'll make you think otherwise."
"Okay, whatever you say." You chuckled.
×××
"Are we going to switch? I think it's been hours," you said, breaking the silence. You were surprised that Baekhyun wasn't asleep yet, and you were fighting your own nonexistent fatigue.
You were only sitting for what seemed like two -- or more? -- hours, and Baekhyun has been pedalling all the way.
"Sure, my legs are honestly aching." Baekhyun stated, putting the bike into a stop and letting you occupy the front seat, and he slumped on the backseat with his back to yours; the same position you were in before.
It took some getting used to, using your legs to propel yours and Baekhyun's weight, but you got the hang of it pretty soon. You wondered how Baekhyun did this for so long, his legs must hurt like hell.
You pedalled under the hot scorching sun who has no intention of showing the both of you mercy in any way. Some of the single zombies you passed was actually burning -- smoke was literally sizzling their dried skins, but they seemed to pay no mind to it.
As for you, though, you had to occasionally wipe the sweat out of your forehead so it won't get to your eyes, gulp down your own saliva to satisfy your dry throat, and ignore your burning skin that, you pretty sure it would sizzle like the zombies's sooner or later.
Most importantly, the uncomfortableness of the sweat trickling down your back, soaking your hoodie even more, causing it to stick to your body because Baekhyun, shirt soaked just as much, was leaning on your back.
He wasn't doing any better, to be honest.
But then, as if your prayers were answered, you spotted a miracle.
"Baekhyun," you called to him. "You awake?"
"Yeah." He replied shortly. His voice was hoarse, lack of water down his throat.
"I think I see an ice cream parlor."
Almost instantly, Baekhyun bolted upright and jumped out of the bicycle in order to confirm your statement. And there it was, lo and behold, around 700 meters to your front, the ice cream parlor.
"Oh my gosh." Baekhyun muttered before taking the shovel with him on a run, speeding towards the place he dubbed as heaven.
You continued pedalling, although now with the weight of Baekhyun and your newfound determination for ice cream, you were going faster than ever.
By the time you got there, Baekhyun was inspecting the locked door like a madman, all the while chanting, "Ice cream, ice cream."
From the glass door, the place seemed rather okay. Okay as in like, no zombies, although the inside is thrashed. Therefore, no one can say for sure there aren't any zombies inside.
"Break the door?" Baekhyun suggested. You shrugged, and Baekhyun rolled his eyes, "I don't know, maybe a suggestion? The door is locked from the inside."
"Don't break the door," You said frantically. "Or the zombies will disrupt us as we consume the nectar of the Gods."
"Oh my gosh," Baekhyun gaped at you. "You're totally right."
"Let's go around, maybe there's a back door?" You suggested, taking a last look at the door before turning to Baekhyun to see his response. However, said person was not present.
"Baekhyun?" You called, worried lacing your voice. Not long after, you heard a faint "Over here!"
You breathed out a sigh of relief before jogging to the source of Baekhyun's voice.
"Uh, (y/n), there's a back door alright. But we have a problem," Baekhyun told you, eyes glued to the supposed back door.
"And that problem being?" You asked. Baekhyun gulped and pointed a finger at the source of the problem.
"That."
You slowly, dramatically turned towards the back door, one which was covered by a crowd. A crowd of the undead, that is.
- to be continued -
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Car Insurance for Teens?
"Car Insurance for Teens?
What can we expect for a 16 year old to pay on a monthly base if he has his OWN insurance (as in not co-insured with the parents). This would be in Texas.    I am pretty sure that there is a great difference. Just trying to familarize myself with the whole deal and trying to figure a ballpark amount. Any tips you might have are very much welcome. Thanks!!!
BEST ANSWER:  Try this site where you can compare quotes: : http://freecarinsurance.xyz/index.html?src=tumblr 
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Poll: how much do you pay for car insurance?
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Im 16 and I'm planing on getting a BMW 3 series, how much would insurance be with allstate, I would be in a plan with my parents. I was also interested in getting a passat, hynday Tiburon or 3000gt. Why would be the cheapest?""
I just got some insurance quotes ?
I just went on the internet and got some insurance quotes for some cars i am 18 years old and they are trying to charge me 10 grand to insure a 03 plate corsa is this right or am i doing something wrong here
Got a ticket for no car insurance because i didnt have my insurance card?
I just signed up with the general for car insurance earlier today so i dont have proof. About 1 hour ago a car slammed there breaks in traffic and i was one of the unlcky ones behind her. The cop said his systems were down so he couldnt run a check to see if i had insurance. Becuase i didnt have my card, he gave me a ticket for driving without insurance and told me to bring my insurance card to court on that date. Im worried the judge will think i went home and bought car insurance immediately after the accident. My question is, am i screwed?""
How can the health care be made affordable to every citizen of United States?
Health care has become very expensive due to needless tests and lawyers and frivolous lawsuits.
What are the cheapest cars to insure for a 17-year old?
What cars would give a 17-year old just-passed Male a reasonably cheap insurance? Is Ford Ka a good choice? How much are these cars and what do you think would be their insurance from this information?
Can anyone help me regarding a huge fine for driving without insurance.?
Man, Im screwed. A few years ago I let my insurance lapse on my vehichle and didnt hand the license plates in. Failure to do so means an instant 150 dollar fine for the first month and 7$ a day afterwards. Ok, I was being a complete jackass at that time in my life and figured I would deal with it when the time comes. Well, its that time. I finally got my license back and went to buy a cheap used car. The dealer told me he cant get me plates for it cause I have a violation due to a fine for driving uninsured. The fine is off the charts, $4,455.00. Has anyone ever gotten the MVA to reduce this fee or waive it. I havent tried yet. They offer payment plans at 20% down and the rest must be paid within 2 years. I dont want to do anything illegal per say but just wanted to know if anyone has any ideas. I know, im a jackalope for letting this happen. anyone, let me know""
Need advice on qualifying for subsidized health insurance?
I'm an older full-time college student and my husband works full-time at Walmart. In the past three years, I've been through 4 cancer related surgeries, which were paid for by the breast/cervical cancer Medicaid program. Unfortunately, follow up care and monitoring aren't covered and I was dropped from Medicaid. I'm now on my husband's health insurance, which is basically worthless because our income is under $20,000/yr and the policy has a $4500 deductible plus 20% after. I haven't seen my oncologist for over a year because we can't afford the expensive scans, biopsies, and lab work associated with cancer follow-up with a deductible that high. I thought my situation would change in 2014 with Obamacare. I recently learned from the healthcare.gov website calculator that our income is low enough to qualify for expanded Medicaid (which our state decided not to expand), but I don't qualify for the health insurance subsidies I desperately need because the outrageous deductible health insurance from my husband's job covers spouses. How can a couple with an income so low they would qualify for expanded Medicaid be ineligible for subsidies? I am completely devastated over this and I don't know what to do. Not being able to afford cancer follow up care is putting my life in danger. Even if my husband's employer (Walmart) quit covering the spouses of full-time employees, I think that would only apply to new hires because of the grandfather clause. If getting subsidies was based on income alone the way it should be instead of access to employer provided coverage, I would qualify for a zero deductible policy and $3 co-pays with a monthly premium of around $60. I could then afford the expensive health care I need. We live in a college town so if my husband got a different job, he'd make even less than he does now and we would probably end up homeless. If my husband transfers and we move to a state that's expanding Medicaid, I'll have to quit school and get rid of my German Shepherd and Siberian Husky since it's almost impossible to find a landlord that allows them. We thought another option might be to get a divorce on paper and co-habitate until our situation changes (completing my degree and getting a good job so I can afford the deductible), then re-marry. When I asked about that, someone actually accused me of wanting to commit fraud! How can anyone think of something like fraud when a situation is endangering someone's life? I am desperate to somehow qualify for health insurance subsidies without lying, which could get us in trouble. Any ideas?""
Where can i find some good affordable health insurance?
i was cut off tenncare in 2005
How do I know if my auto insurance settlement offer is fair?
How do I know if my auto insurance settlement offer is fair?
Car Insurance for Teens?
What can we expect for a 16 year old to pay on a monthly base if he has his OWN insurance (as in not co-insured with the parents). This would be in Texas.    I am pretty sure that there is a great difference. Just trying to familarize myself with the whole deal and trying to figure a ballpark amount. Any tips you might have are very much welcome. Thanks!!!
If my dad is a co signer for a car will my insurance be cheap?
I'm 19 and its my first car and my dad is the co signer will my insurance be low? What are cheap insurance agencies for teenagers?
Does My Car Insurance cover me to drive any car?
I got stopped by the police today for driving a car that I bought a week ago which was not registered on the MID. Although I have fully comprehensive insurance on my other car is there a way I can get away showing cover on this vehicle(even if it is just 3rd party) Sadly the police seized my vehicle and now I face 6 points on my license and a 200 pound fine. Any useful tips to get out of this? p.s I am In London UK.
What is the difference between ordinary life insurance and term insurance?
I heard about term insurance whose meaning is not clear to me. Can anybody please explain what is the difference between ordinary life insurance (like those offered by LIC) and a term insurance? What are the advantages and disadvantages of the two?
Car crash and no insurance?
My partner bought a car he was driving it home but had no insurance. He was driving about 5 mph due to a Traffic jam, he hit the car in front there was little damage to his car. He told the driver he had just bought the car and had no insurance, he said don't worry we will do it between us. My partner told him he will pay for the damage to his car. We received a letter from the drivers insurance to ask to put it in writing that we are willing to pay for the car. A few days later they rang and told us he has put in for whiplash there is no way he could of got whiplash as i was going to slow, no sure what to do please help""
Range rover sport supercharged car insurance...?
I am in the process of buying my range rover sport supercharged (im 18) and i have found some really good quotes, i was wondering if it is posible to insure with a insurance company (mabey arabic car insurance company) because they might be able to do it much cheaper.... please help.....""
Why do you have to have full coverage on certain cars?
I have only liability right now on a 2000 ford. I am trying to figure out how much my insurance will go up, and if I have to get full coverage or not. Also what is the longest you can have a car loan? I really would like a Nissan Murano maybe around 12,000-15,000 at the abs. maximum. What do you think my monthly payments would look like? Thank you for any advice.""
Can someone recommend a good and affordable dental plan?
I'm trying to find a good dental insurance that is very affordable for a middle/lower class citizen like myself. Can somebody recommend anything for somebody in my case?
My daughter was in a multi vehicle car accident and i cant seem to find an estimate for car insurance?
It was a 2001 hyundai elantra. My insurance was 9 star. My daughter just turned 21 and wasen't given permission to drive the car.
Does anybody know where to get cheap auto insurance for a 18year old?
Does anybody know where to get cheap auto insurance for a 18year old?
What is the best company to buy term life insurance?
I'm trying to find a company to purchase term life insurance. I want a good brand and not some scam. Thanks to anyone that replies.
How much is cost of insurance of car driven by Indian driving licence holder in UK?
How much is cost of insurance of car driven by Indian driving licence holder in UK?
What type of insurance do I need to run a cleaning business in Michigan?
My son's teacher said that the preschool he attends are taking bids on cleaning there facility but you need to be insured so I was just wondering if anyone knows what type of insurance I would need to carry to place a bid. There current company is not very good cleaners and they want to hire me but I need insurance please help! but please if you dont know the answer please dont post! Thanks
How do insurance comparison sites work?
Sites like go compare and compare the market? I have searched for car insurance using both and get the same company coming up but offering a different price, why is this?""
How much does it cost to repair a small dent?And also insurance question/?
well i have two questions... how much does it cost to fix a small dent maybe 8 inches in diameter no paint scratches. Im really mad this happened to me this guy who is a complete jerk said i hit his car which i did but he claims it was in the back of his car where the dent is located but i barely tapped it on the front door not the back while i was trying to get out of some dudes parking spot. Also my other question is will insurance cover it if insurance is under my dads name but the car is under my name? we live in evansville indiana. and i think it is farmers insurance.
Life Insurance / Burial Insurance help please (ENGLAND)?
I need advice about applying to and paying for some type of insurance. This would be on behalf of my mother so when the time comes for her to leave me, I will be able to pay for her funeral. I have spoken to her but she is stubborn and set in her ways and thinks I will automatically be able to cover the financial costs for her funeral when she does pass away. I dont care for money for myself, I just want to know that I can pay into something so upon her passing I will be able to pay for her funeral costs (instead of my mum taking out the insurance/policy it would be me on her bahalf as she is terrible for thinking about stuff like that). I am an only child as so I am solely responsible for paying the expense""
Can i pay gor someone elses car insurance?
Right so my mum bought a car and I love my mummy so I offered to pay for her car insurance but she said I won't be able to do that for some reason so (I'm her son btw) what I'm asking is if I put all the details in her name but put me down as an additional driver can I pay for the car insurance ?, it's cheaper that way too (for me) lol""
I'm trying to get rental insurance?
I'm getting rental insurance well trying to but I had a doubt my Heath insurance is in my mothers name and not mine so she pays it so say I get rental insurance under my name would it mess up or even kick me off her insurance plan if I did get the insurance in my name
Can i insure 2 cars by 2 different insurance companies?
i already have car insurance with my first car but i have just bought another. to insure it on my current insurance is expensive. iv looked at other insurance companies and its cheaper to insure with them. Am i allowed to have a different insurance company for each car?
**Average Homeowners Insurance for Condo in DC???**?
If the condo was $50,000 1bd/1bth in washington DC not many amenities cept fire alarm and enxtinguisher. once car garage.""
What is the best auto insurance for an adult driver?
For a driver that is under 25 but older than 21, what is the best auto insurance for a minivan or an suv? No accident history. No tickets. Clean driving record.""
Temporary Car insurance??
Need temporary car insurance for about 3-4 weeks, our own policy runs out the middle of next month, but we have just ordered a mobility car, and it wont be here until 1st week in June. We call our current insurance company and was basically told they would charge us for 6 months and then a cancellation fee. What company offers the lowest price insurance for that short amount of time??""
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.""
What is the best dental insurance I can buy?
What is the best dental insurance I can buy?
Where can you get insurance for a 16 year old travelling alone?
Hi, a group of my friends and I, five of us, are travelling to Germany and are looking for a place that would insure us, we are all 16 years old. Thanks :)""
How much would car insurance be for a used 2012 Dodge Charger SXT?
I am an 18 year old male with no accidents or tickets and my parents and i are looking to get a new car for me. (well not new but new to me) So i was just wondering what might be the ...show more
Car Insurance for Teens?
What can we expect for a 16 year old to pay on a monthly base if he has his OWN insurance (as in not co-insured with the parents). This would be in Texas.    I am pretty sure that there is a great difference. Just trying to familarize myself with the whole deal and trying to figure a ballpark amount. Any tips you might have are very much welcome. Thanks!!!
Does it cost more money to ad your spouse with your car insurance?
My wife keeps asking for my car. But I dont feel comfortable giving it to her becuase her name's not under my car insurance. How does it work if i want to ad her on? Do the insurance company charge you more money or is it still the same? If they do charge more money, do you know any insurance that's reasonable price? thank you""
Will a honda accord coupe have higher insurance than a sedan. (for a 16 year old)?
for my first car i am debating a mazda 3, a toyota camary or a handa accord coupe (2 door). how much higher is insurance on a honda accord coupe than a 4 door for a 16 year old driver. will it be rediculous. Also, my parents have a 7k spending limit and i have found some with under 100k mies. how long will they last if i treat it right?""
Anyone know a cheap Health Insurance Cover for myself?
Im single, 27 years old and living in Victoria/Melbourne""
What is the cheapest car insurance in michigan?
I am looking for cheap car insurance I live in battle creek mi. I am 22 years old and on ssi. I have autism diagnosis. And I want to be able to get a car I do not have a license right now. But can get one social worker told me that. I would be allowed to drive. I do not own a car right now. But I have $2000 save up for a car. Before I take anymore steps I need to find out if i can afford insurance. I have about $30-$45 to spend a month on insurance for a car. That cost about $2000 I only need the bare minimum that will allow me to drive with a license legally. Dose anyone know where in i can get cheap car insurance? Any help would be greatly appreciated.Thanks
Please I Need Help On My Car Insurance?
I just bought a car and i don't want to pay huge car insurance. Anybody care to help me out may be a recommendation of place i can get it a little bit cheap
Can You Give Me Any Tips for Finding Low Cost California Medical Insurance?
Can You Give Me Any Tips for Finding Low Cost California Medical Insurance?
Where can i find cheap auto insurance?
i'm paying 150 a month for a 94 ford thunderbird, but i'm looking for something cheaper that i can afford. i'm just wondering how much other people pay for cars like mine...""
I work per diem and have no insurance. do you know any good insurance that is affordable?
I am also a student so I need something that won't break the bank and that I will hopefully be able to use after school
Insurance on a car lease?
My insurance guy gave me below basic coverage on a lease which requires something like 100,000/300,000/100,000 but he did basic full coverage(something cheaper like 10/20/10) In the contract it states i must have 100/300/100 as the requirement but the insurance guy who does insurance for a lot of people says lower coverage should work. I just added it on and it's fine, so the insurance (progressive) sent me a letter saying I have to pay extra for adding a 3rd vehicle but nothing about the coverage amount. Will they later require I add more coverage? I don't see why I need 300k on a car that costs only 40 grand. people drive around with PIP 10/20/10 and that's good enough for the state. I have an excellent driving record with 0 accidents and have been driving for about 10 years. I realize I have ****ty insurance but insurance is a huge rip off so I want to spend as little as possible and deal with accidents out of my own pocket.""
Where can a Construction company get a cheap insurance and bond?
Hello, I just started a small family construction company ( tile ) and would like to know where you can get a cheap bond from. Our company is in Seattle Washington. Can someone please help me with this. It would be great if it can be as cheap as it gets. we are on a budget. Thanks in advance""
Insurance california?
hi I'm an international student who goes to college in Iowa. I have a college insurance and I guess it convers most of meetings with doctors. Now, I'm taking 3 months-summer session at University of California. I think I 've heard some stuff that I need to have Californian insurance to stay here. What is this? Is it wrong? Plus, my wisdom teeth is coming out recently. It starts to hurt. Does insurance in America covers dental work?""
Can i cancel my car insurance immediately? cancel same day and not pay for the following month?
The reason is i sold the car and the insurance guy said the car is still in the system (1st of the month), so i would have to pay still. he said if i canceled on the 15th it could have been canceled sooner and i wouldn't have to pay. i just think it's odd since i don't even have the car anymore. not sure if this makes sense? thanks""
Do you think $250/person premium for supplemental insurance for seniors too high?
If so, could you recommend a cheaper one that you may have?""
How much will my auto insurance cost?
Ok...so I'm looking at an old 73' Bug to possibly buy for college and all. Cost- of the car at least- is not a problem, as its $100, and I have $100. (Yes, it does have issues and looks horrible, but hey it runs and drives). So...that brings up insurance. There is NO way I can get in on my mom's insurance- she won't let me get a car so the only way is if I do all myself, and I'm 18 now and going to college in a few weeks, so a=Im looking at my options. I know as a male teenage driver its going to be high, but what is high? How much will good grades and all that help? Just, what would you recommend and how much could it end up costing? Thanks...""
No health insurance?
without insurance, how much does clomid and metformin cost? where can I get it?""
How much does car insurance cost on average for a 18 year old female drive in florida?
???????????????????
Im 20 years old. Just wondering when i should buy life insurance?
Im 20 years old. Just wondering when i should buy life insurance. ? I have a bf live at home with my parents. I have a car loan out for 18,000. Have a full time job. Just wondering if its better to purchase when your younger. My bf and I have been together for 6 years.""
Could I get a subsidized health insurance when I retire?
Since the affordable health act will most likely go through, could I get a subsidized insurance when I retire at 60? I will have about 2 million dollars in mostly non-taxed retirement accounts, and some in taxed accounts. If I only have say $35,000 in taxable income when I retire, am I still eligible for the subsidized health insurance as it's determined by taxable income I believe and not how much a person have in retirement accounts?""
How much will my car insurance be?
Im getting my own can insurance when i turn 18 in about a month, my parents are kicking me off there's i have had 3 tickets and i drive a 1998 toyota camry...""
How much would my car insurance be ?
Im getting a car in a few weeks ( sitron caxo forte) its for free of my girlfriends grandad. I need to know what else its going cost me though, because all the car insurance websites make me fill out to much information and I don't even have the car yet.. I will be 17 in a few weeks and it will be just me driving the car.""
Pay As You Go Insurance! Where can I get it? Cheap Insurance!
Hey people Basicly im insured with Admiral under third party fire and theft. Im doing their 10 month insurance thing which equates to 1 years insurance after the time. I was insured with them last year the price was 1090, this year its gone up to 1250 (had an accident which was my fault). Im paying monthly which has increased it to 1550. Im paying about 150 a month. My question is, where can i get cheap insurance from? Preferbably Pay as You go type. Has anyone done PAYG insurance before?""
Cheap Auto Insurance Deals?
Whats the best car insurance deal you know?
Is nationwide a good car insurance?
im thinking of switching from geico to nationwide it would be way cheaper but i know cheaper isnt always better
How much would full coverage auto insurance be?
I plan on getting a 2010 Dodge Challenger R/T Classic and was wondering about how much would full coverage be in Northern Virginia,I would ask the insurance company but I'm not the one with the policy and if you're wondering what insurance we have its Farmers.""
""Insurance for 6 months, changes mid policy?""
I'm looking at buying insurance for a 6 month period, but 2 months into the period there will be a change that causes a significant price drop (3 points removed from my license and my birthday). Will they generally allow me to have my rate adjusted mid-policy? I'm talking of a price difference of about 100 a month, so I really want to see how I can make this work.""
Car Insurance for Teens?
What can we expect for a 16 year old to pay on a monthly base if he has his OWN insurance (as in not co-insured with the parents). This would be in Texas.    I am pretty sure that there is a great difference. Just trying to familarize myself with the whole deal and trying to figure a ballpark amount. Any tips you might have are very much welcome. Thanks!!!
https://www.linkedin.com/pulse/new-insurance-group-rating-carter-pennington/"
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traciedemars · 5 years ago
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Buyers Due Diligence
Upcoming Free (& non-promotional) Home Buyer Classes:
Thursday, October 17th, from 5pm - 8pm (ish)        Marshall Community Center, Conference room       1009 E McLoughlin Blvd, Vancouver WA (kitty corner from Clark College) Saturday, October 19th, from 12pm-3pm (ish) ​       Vancouver YMCA, conference room       11324 NE 51st Circle, Vancouver WA (corner of SR500 & Gher Road/112th Ave).
Saturday, November 2nd, from 9am-12pm (ish)       Marshall Community Center, conference room       1009 E. McLoughlin Blvd, Vancouver WA (kitty corner from Clark College)
If these class dates and/or times don't work for you, please let us know.  We understand that you have lives, and families, and work.  We will work something out that works better with your schedule.  Just let us know....                                                                                  
....we also have home seller classes available too...link on left on website
                 Remember...with reservation...we will throw in lunch, or dinner!  :-D                               ~~~~~~~~~
Happy Autumn  
FALL!!!    HappyHallowThanksMas!  The last 3 months of the year are my favorite.  I love the argument between Pumpkin Spice or Apple Cider (Apple Cider is the best by the way followed closely by all things peppermint). I love the colors, the smells, the holi-daze, the weather, and the coziness of it all.  I have a body made for winter clothes.
 I know.. it's strange, but I love gray days that make you want to snuggle in with some hot tea, and a good book, and I love those clear fall days where the sky is so blue & the colors on the trees are so bright...  Ok... I'm waxing poetic here, so I better stop while I'm ahead.
 We do have an exciting event coming up though...2 of them actually....  Winter Client Appreciation Events!  
In November we will be hosting Frozen 2 & in December... well, it's STAR WARS time!!  Chris Berg and I will be limiting tickets to 6 tickets please unless you have talked to me or Chris Berg about it first. We are excited to see you soon!!  :-) ...and Thank YOU.. Thank you for your referrals!  Thank you for recommending us, or the classes to those you know (and on Facebook too), and THANK YOU for letting us to be part of your home adventures. We appreciate you so much
Now...on to our weekly home buyer education!  I know I said we are going to talk about what happens AFTER the home inspection, but first I thougt we should talk about about Buyers Due Diligence, and why this is so important for you.     I saw a very interesting home this week that was right across the street from a cemetery.  Now, that wouldn't bother me, but for some folks...that would be a BIG thing.  My clients liked the land but did not like the house...the house was ...  interesting.  It was a 1925 home, that had been 'worked' on over the years, and probably not professionally.  When I am showing homes to clients, I get asked many questions about the home....some I can answer and some I can't.   Some of the answers we can find out, and some...well, you never really 'know' a home until you are the one living in it.  So, what are some questions I can not answer... is the home haunted?  Um....I don't know?  Has there been a violent crime in the home or in the area?  Um...I don't know?  Believe it or not, that isn't considered a relevant fact when listing the home as it doesn't actually affect the home.  
  When selling a home, the seller (and sellers agent) is only obligated to disclose known material facts about the home on the sellers disclosure, and this is only  about the home during the current sellers ownership.  So what is a 'material fact'?   A 'material fact' is considered to be something that structurally affects the home.  The sellers disclosure is about 6 pages long and the seller is 'supposed to' disclose all known facts about the home on it.  However, if anyone has teenagers you know how often 'supposed to' gets done.  Some sellers will disclose ALL facts about the homes....even those items that have been repaired, some sellers will only disclose those items that they haven't gotten around to fixing, and some sellers just have no idea about anything in their home.  Of course, this is why we do a home inspection.  It isn't that you can't trust the sellers, but when it comes down to it, most sellers don't know anything about their home.  This is called 'Buyers Due Diligence'.  A buyer does have some responsibility for doing some research on the home, and area, that they are wanting, or trying to, buy in.  If your buyers agent knows anything about the home or area then we have to legal responsibility to disclose it.  In Washington, all sellers are required to fill out the 6 page sellers disclosure on their own.  Their Realtor can not do it for them, or help them fill it out.....however, if the seller is a bank, or it is an estate, or an investor then there won't be any sellers disclosures, or if there is, most questions will be answered with "don't know". For every question on the sellers disclosures, the sellers have 4 choices to answer...  "yes, no, don't know, or NA", and every question must be answered....no empty boxes.  When you receive a copy of the sellers disclosure though ...remember to take it with a grain of salt, and hire a good inspector.  Many sellers now will even just put a majority of 'don't know' answers on the sellers disclosure so as to not have any liability.  The majority of sellers aren't trying to 'hide' anything about the home, they just truly don't know.  A realtor will hand the sellers disclosure to their client, the seller, and that is it.  We, real estate agents, can not help the seller fill out the sellers disclosure at all.  If you have any questions regarding anything on the sellers disclosure, your Realtor can request more information (if there is any) from the sellers through their sellers agent.  Make sure you also address any concern you have regarding the homes condition to the home inspector you hire.  He (or she) should be able to help you with that.  The inspector I usually refer out encourages the buyer to walk with him during the home inspection so that the buyer is part of that inspection.  I like to call it a 'crash course in homeowning'.  
By the time he is done with the inspection, my client usually knows more about the home than the current owner does!  I can't stress it enough....ask questions!  You are paying for the home inspection, so walk around with the home inspector, ask questions, learn about what the inspector is checking, and be a part of the home inspection.
  Sometimes, but not often, we will see sellers purposely try to hide something. This sucks.  I had this happen recently with a client. The home in question had been on the market for about 5 months...with 3 different Realtors, and had been pending 2 times before with sale fails. Ok...red flags...3 different Realtors in such a short period of time? Two prior sale fails? hmmm... I asked the current Realtor why the sale fails, and he said there were financing issues.  Ok, sometimes that happens.  I have had that happen on listings of mine too.  Current Realtor was very eager for an offer,and called me about closing costs, etc. My clients liked the home, and the listed price was attractive.  It did need some cosmetic work, but that was ok, for the price and the closing costs. Fast forward to home inspection, and the home passed with flying colors.  Only things that came up was a recalled electric panel (common for the age of the home), and lack of insulation under the home.  Insulation under the home is not required for the age of the home, and was something my clients were willing to do later. The recalled panel would need replaced prior to appraisal as that is something that most likely would be called out.  Where the big issue came was during the sewer scope...  the sewer line from the home to the street had a 35 ft 'bend' in it.  Sewer lines need to go down 1 inch for every foot for optimum flow (yay...the things I know that are weird to know), and due to land settling, etc...this homes sewer line had a dip in it before it went to the street. Ok....it's not like the seller could have known this right? Well, normally I'd agree with you, but in this case he DID KNOW!  Plumber asked us if we knew and we said no (because how would we?)  Plumber then goes on to say that,"well, that's weird, because the seller knows. This home has had a recent sewer scope already done.  There's some paint lines in the street that looks like they were scrubbed off."   Uhhh....what?!  I send this information to the sellers agent (who has no idea),and he assures me that if they knew it would have been on the sellers disclosures (it wasn't). Sellers agent calls his client and then calls me back. At this point both the sellers agent & I know the seller is full of it because the seller told his agent that there was nothing wrong with the sewer line....because he had the city come out and check it a couple of weeks ago and they hydro jetted it. That all of this was just the plumbing contractor and my clients trying to get more money out of him.  Honestly folks, that was our first indication that this deal was going to be hairy & scary...  We requested the recalled panel to be replaced and the sewer line repaired. The seller sent his agent a bid for the sewer line repair that was dated a full 3 weeks BEFORE my client made their offer. When the seller was with Agent #2, and during the 2nd sale fail.  Sale failed because of financing issues...my tush..  
My clients loved many things about the home, and except for the sewer line (and that it needed paint and flooring), it was in excellent condition with a newer roof and new windows. It also had the yard & 2 living spaces that my clients wanted. So, we persisted. Seller did have the panel switched out (with much grumbling).  It cost the seller $700 more than it should have because he tried to go 'cheap' and had to have it redone. The sewer line failed the sewer scope. . at least twice.  The bid that the seller presented was for $10,000 to repair the line.  So now my client had a choice....  do we back out? Do we require the sewer line to be repaired? What do we do? At least one of the previous buyers had backed out because the seller refused to repair the line.  Discussion time...  many of the homes we were looking at with this price range were either smaller and in good condition, or needed a new roof soon (about $7,000 estimate), or new windows (about $5,000),or similar. The sewer line is currently working.  Does it need to be under surveillance? Yes. Will it need to be corrected at some point? Yes. Does it need to be done right now? No.  For my clients they decided to go with the evil you know vs the evil that they may find in another home.  This home was in excellent condition with many things already done (like the new roof, windows, & now a new electric panel)...the only thing that will need to be done will be the sewer line. One thing vs many possible things at a different home.  So I spoke with the sellers agent (who was very dismayed to find out his seller had been lying to him), and they offered a split of the repair cost. What this means is that we had a $10,000 sewer line repair bid. The sellers offered another $4000 in closing costs to offset that repair.  I called my clients lender to ask if my buyers could use all of those closing costs (whatever isn't used is returned to the sellers), and they could!  My clients accepted that compromise as this freed up some money for my clients to do what they wanted to the home to move in... those cosmetic things that they didn't have to put off now.  In the end it worked out.  Of course...that was until closing day....but that is a story for next week....  
 It's not often that seller will blatantly lie on a sellers disclosure.  Most of the time it is something that the sellers don't know about that shows up on a home inspection, or a sewer scope.  However, that is why we do inspections...  because of the things that people don't know, don't think about, and rarely...try to hide.  As I said in my last email... buying a home is a lot like buying a used car.  Most of the time it is all good, but occasionally...occasionally... you find those folks who are trying to get away with something.      Your realtor will help you find out as much about the home as possible.  Your agent should be present at your home inspection, and so should you.  However, whether or not the home is haunted or not, we really can't help you with.  Whether or not there has been a violent crime in the home or area is another thing that we really can't help you with, but we CAN help you by providing some places where you can do some research.  Has anyone died in the home?  Again....I don't know..., but if it is an older home, and/or an estate?  Maybe you should leave out some milk and cookies occasionally?  
  What about that new building being built in the neighborhood?  Your Realtor probably doesn't know what it is, and honestly we shouldn't guess.  That is something that a buyer will want to do some research on.  Is that garage conversion permitted?  Call the city/county.  Your Realtor will help you find the information, but when it comes down to it, because of past legal problems, we are now limited on the extent that we can delve into everything....but we can help you get there still.  It is weird, but there it is.  There is a lot your Realtor can, and will do for you, and we will do all that we can to make sure that you are getting the best customer service possible.  Your Realtor should help you to make sure that you are performing your buyers due diligence to make sure that you won't get any unexpected surprises later.  I am a huge fan of talking with neighbors....neighbors are a great source of information on a home.  :-)  Please remember that you are not just buying the home, you are buying the neighborhood.  One of the questions I always ask my clients is if they have thought about the area they want to move to?  Have they looked into schools, if that is important.  Have they considered locations regarding work, or family/friends?  I encourage my clients to drive around, and check out the neighborhoods they're interested in.  Drive by the homes you are interested in seeing, look at the neighbors, yards, parks, cars, etc...  check out those things that are important to you.  Vancouver doesn't really have a 'good side', or 'bad side'...Clark county has a lot of 'pocket neighborhoods'.  In a two mile radius you can have million dollar homes, new developments, 'sketchy' neighborhoods, and established 'homey' neighborhoods.  Clark County has something for everyone!   What are you looking for in a home/neighborhood?  What are your top 3 things you want (not counting price)?  As a realtor we can not 'steer' you towards, or away, from any neighborhood.  Our job is to help you find the best home we can, in your price range, that fits what you want.  As an agent, I will help you get all the information I can, or direct you to places that can help you get that information.  For example....census.gov is an excellent site to check out neighborhoods, and schools.  Check it out!  
  So...buyers due diligence....talk to neighbors, walk around the home, and neighborhood... and write down a list of questions.  Ask your inspector about these questions to check out.  Ask your real estate agent to help you find out some answers to these questions, or if they can't find the answers, help you find some places where you can do some research or ask questions.  Your Realtor is here to help you!  Remember that your Realtor works FOR you.   Make sure you know what you are getting into....and any questions?  ASK!  ...and keep asking until you get answers!   As always, if you have any questions, please call or email me...I am always here to help.  :-)  Remember...I am a real estate broker, and I look forward to helping you on your home buying adventure...and assisting you to get those keys.  :-D  Whether you are buying, or selling your home, my goal is to be the real estate broker you think of.  I really want to help you with your first time, and every time.  I believe that real estate is about relationships.....and no...that is not a shameless plug!  LOL   I hope this helps you this week!  Please, if you have any questions, please feel free to call, email, text, or even facebook me anytime.  I am always here to help!  
Information is power, and I hope that I am help you!  Good luck, and as always...May the odds be ever in your favor out there....  If you are looking for a real estate agent, I would love to be able to help you.  
I hope that explains this a bit, but if you have any questions, or comments please call or email me anytime!  Please remember that while I mean these emails/blogs to be helpful, and educational, I am still hoping that you will call, or email me.  I would love to help you with your home buying, or home selling adventure!  :-)
   As always....this is just a quick overview.... again...and I can't say this enough...please remember that your agent is NOT a salesperson, and should not be acting like one.  Real Estate is not really about houses, it is about relationships.  Your agent, and your lender work for YOU.  You drive the bus...we are merely GPS to help you get to your goals.  Like the classes, this weekly blog email is to help you with your home adventure.  The goal is to be informative and non-promotional.  :-)  We are, however, hoping you will call and want us to help with your adventure.  
If you have any questions about this, or something you have heard...or if you would like me to help you with your home adventure, please call, email,  text, or facebook me anytime.  I am, as always, happy to help! Thank you again for your business and your referrals!!  ...and thank you for referring these classes to your friends, family, and co-workers.   ....disclaimer...if you have already purchased a home, or would no longer like to receive these emails, please let me know and I will be happy to remove you from any further mailings...   Upcoming Topics:What happens AFTER the home inspection?
What do I need to buy a home,
What if I don't have a Down Payment?
Pre-Approvals...what, why... and the importance of getting one
Debt to Income Ratios....What is this?
Last Week:  Home Inspections & seller disclosure
Have a great day, and I will talk to you soon,  
;-D  
Tracie DeMars  
Real Estate broker
Re/Max - Van Mall  
360/ 903-3504 cell  
360/ 882-3600 fax  
www.traciedemars.com
“Interested in free and non promotional home education classes?  Go to www.learningtobuyahome.com or www.freehomebuyerclasses.com for local upcoming home buyer and home SELLER classes, or facebook: Tracie DeMars Real Estate for my home buyer education blog.”
"Listen to the mustn'ts, child. Listen to the don'ts. Listen to the shouldn'ts, the impossibles, the won'ts. Listen to the never haves, then listen close to me... Anything can happen, child. Anything can be."    
  - Shel Silverstein, American poet, cartoonist and composer, (1930 - 1999).
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greatdrams · 8 years ago
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The Great British Bar Hunt. Part Two: Reading
Reading’s great. There, I’ve said it. (The town East of London, not the bibliophilic activity, should there be confusion. Though I actually love both.)
I’ve been here a year now, and in honesty I had my doubts to begin with. Descriptions I heard prior to moving featured “grey”, “dull”, “functional”, and “close to Slough”.
Happily, those descriptions must have been conjured by people who hadn’t spent any meaningful time in Reading, or who hadn’t been bothered to look around properly. (Though it is close to Slough). Because thanks to the superb food blog Edible Reading, and the discovery of a drinking companion whose alcohol tastes were as small-‘c’-catholic as my own, I’ve rather got to know my new home town. And you know what? I like it.
But it doesn’t really have a whisky bar.
Ok, caveat: it has The Purple Turtle. And I’m still not sure what to make of that place, but you can read about a previous misadventure here. The problem is, it has a superb selection of US whiskey...but I’m really not sure who goes there to drink it. Other than me that one time.
It just isn’t the sort of place you go for a quiet drop of something fancy. Because – and I must be blunt here – if I’m having something fancy, I’d quite like to be sober for it. And if you go into the Turtle sober then may God have mercy on your soul.
But I wanted to be proven wrong. I wanted to discover some tucked-away gem where exciting whiskies and creative cocktails were just waiting to dazzle and mildly befuddle me. An online perusal didn’t raise my hopes much – both Slug and Lettuce and TGI Friday’s were suggested by Dr Google.
So instead I picked the brains of my Reading-drink-scene consigliere, Liv, and a rain blattered Sunday afternoon saw the two of us make our way to a place called Caffeine & Cocktails...
Caffeine & Cocktails
5, The Walk, King’s Road, Reading. RG1 2HG
Might as well get something straight right away. This is not a whisk(e)y bar. It has 13 or 14 bottles, some of which, such as Nikka From The Barrel and Rittenhouse 100 proof, I rate very highly. But nothing that a mildly enthusiastic whiskonaut won’t have stumbled upon before. Put it this way: I don’t have the wallet to be a collector. But even my collection is bigger than Caffeine & Cocktails’
That aside, it’s a nice place to sit. Fairly high roofed, which alongside the glass-panelled walls give the impression of airy spaciousness. I’ve never been to C&C to eat (or indeed drink caffeine) before, but my understanding is that they’re pretty good in both respects.
Oh, and they have Happy Hour on Cocktails a lot.
From Monday to Saturday between 4pm and 7pm, and for the whole day on Sunday a good range of Cocktails are just £4 each. This being the South of England, that works out around the price of a pint, and I make that pretty good value. (The cocktails, not the pints – don’t get me started on the price of pints in the South.)
Should you venture to C&C outside of Happy Hour (saying “Hour” seems to really undersell them incidentally!) their cocktails range from about £7.50 to £8.50. That’s the same range that last month’s Jenny’s and Berry & Rye worked in, and which I’m coming to think of as “appropriate value for a decent cocktail.” Because I don’t live in London.
There’s a broad selection, including a double page spread featuring caffeine-based cocktails, which seems appropriate. Oh, and for what it’s worth, C&C wins many points from me for their cocktail name puns!
Anyhow – to business. I opted for a Tom Collins, not wanting to go too hard at 3pm on a Sunday, and Liv picked a Bellini. (They have several Bellini options – Liv had peach.)
This may not be the usual thing to comment on in a bar review, but I ought probably to mention in passing that the graffiti in the toilets may not be to your taste. Liv thought the offerings in the ladies’ was pretty funny; the writing in the gents’ is a little sexist for my taste. Takes all sorts, I know, but seems a little unnecessary. Happily it’s confined to the toilets, and I suppose you can always just cross your legs...
The cocktails on arrival were well worth £4 each. My Tom Collins was just the right side of too sharp, which is exactly the level I like. Liv’s Bellini was...a Bellini. In honesty, they always leave me a little cold. The overall verdict was that we probably wouldn’t want to pay £7.50 for them, but at Happy Hour prices no complaints whatsoever.
Our visit was short and sweet – a little like the Bellini. It’s a nice place to sit; I’ve never been at what you might call ‘peak time’, but I’d definitely recommend stopping by during Happy Hour. If you’re after the upper echelons of mixology, or a challenging and bewildering range of Aqua Vitae, however, you may want to look elsewhere.
Which is what we did next, in the shape of Cerise Bar, at the Forbury Hotel.
  Cerise Bar
The Forbury Hotel, 26 The Forbury, Reading. RG1 3EJ.
I’ve been to Cerise before, for my birthday meal last year, and can confirm that the food there is smashing. My mother rated her dessert the best she’d ever eaten, which is high praise indeed.
It is, however, not somewhere you go when you’re after saving a few pennies. Its website claims that it is becoming “the place to be seen outside London,” which rather says it all. The interior – and staff – are very smart indeed; Liv and I aren’t exactly scruffy, but we felt pretty underdressed until a chap helpfully bowled in sporting a hoodie.
The restaurant is slightly separate from the bar, and there’s a particularly comfy-looking lounge into which you can take your drinks, should you feel so inclined. Their outdoor area is also worth mentioning, as it’s a gorgeous place to sit, with a high wall and a fountain. It’s even covered during the rain, and sufficiently heated to make it almost worth sitting outside in the winter.
That being said, to get into it, you have to go through the restaurant. That wasn’t a problem on this occasion, as it was still a little early for diners, but I’d feel slightly awkward swinging through, Old Fashioned in hand, if groups of people were tucking into their grouse. (Other fine dining options are available.) But perhaps that’s just me.
I say Old Fashioned because that’s what I ordered, whilst Liv opted for an Espresso Martini. And here I encountered a quibble. The menu doesn’t specify which whiskey they use in their Old Fashioned, and when I placed the order the barman asked me if I had a preference.
Now I know this is my fault. I know that the cheap answer here is “just the house one, please”. But that’d be a little dull, so instead I opted for Knob Creek. What I hadn’t accounted for was quite how expensive the Knob Creek would be, compared to whichever their standard bourbon is.
Which brings me neatly to the selection and prices of their whiskies. Size-wise, it’s medium, to medium-light. It’s not a whisk(e)y-focussed bar, but the bottles they have include some interesting juice: Dalmore 25, Talisker 18, Yamazaki 12, Hibiki 17 etc.
But their pricings are absolutely all over the place. There’s no consistency to the markup; Yamazaki 12, which costs about £90+ online is £9 for a single. That’s not bad. Talisker 18, however, which with very little effort you can pick up for £70 a bottle, they charge £19 a throw for. I did the maths, and that’s about a 700% markup. And those are just two examples.
Cocktails took a little longer than anticipated, given the bar was relatively empty at the time. That being said, they were very good. Ironically, having been fussy about the whiskey in my Old Fashioned, I actually preferred Liv’s Espresso Martini. But both were excellent.
The thing is though, they weren’t any better than those at Berry & Rye, covered last month. And they were considerably more expensive. Once the 10% discretionary service charge had been added, the two came to just shy of £27. That’s more or less what I paid for a round of four in Liverpool.
It’s unquestionably a lovely place to sit, Cerise. The food is stunning and the drinks are very well made. But the bar prices are inconsistent, and I’m simply not sure that you always get your money’s worth. Happily they have a menu which details the selection – something none of the Liverpool bars offered – but you do need it, because otherwise there’s a chance you’ll end up burned.
I’ll probably go back, because there aren’t many restaurants like it in Reading. And I’ll probably have a cocktail with my meal. But if I’m asked what my spirit preference is, I’ll probably just say “just the house one, please,” next time. And for a spirits enthusiast that’s a pretty sad admission.
Liv and I left it at that for the evening, as the third bar I wanted to inspect doesn’t open on Sunday. So at this point we flash forward to Thursday evening to find me back in town centre after work, and heading for Milk.
  Milk Bar
8, Merchants Place, Reading. RG1 1DT.
Milk is my favourite bar in Reading. It actually leads a double life, because during the day it is Shed, which holds a special place in my heart for making My Favourite Sandwich In All The World.
But come evening the ciabattas are cordoned off, the outrageously good Jerk Chicken refrigerated, and the building throws on its cowl to become the spirits bar Reading needs.
Unfortunately for me, that spirit is Rum.
In a parallel universe I suppose there is an Adam who sets out his stall as The Rum Pilgrim. That Adam would go to Milk and say “yes, my search is over. This is the bar I wanted Reading to have.”
Because it’s a fantastic place. Usually busy, but seldom overcrowded; the staff are brilliant; service, despite the number of cocktails being made, is efficient and friendly, and their Rum selection is indeed prodigious in breadth and variety.
But wasted on me. There may come a time when neat Rum and I set aside our differences and become bedfellows, but it is not this day. An hour of sugar and Caribbean exoticism, but it is not this day. This day I am the Whisky Pilgrim, and Rum doesn’t quite do it for me.
They do have whiskies. Indeed they offer a ‘Rum and Whisky Wednesday’ service, with discounts and everything. (Which begs the question: why was I there on a Thursday?) Occasionally they get brand ambassadors in, which means that from time to time something more interesting appears on the shelves. (Or rather, lurks behind the first row of bottles; whisky visibility is set to “foggy” at Milk – not much tiering I’m afraid.) But again, the 20-bottle-strong bunch at Château Wellsy is – forgive my bragging – superior.
Milk’s cocktails are also decent. Rum-focussed, of course, but other spirits, whisk(e)y included, get a page each. Prices largely sit around the Caffeine & Cocktails mark, and to this taster the quality is slightly higher. But I fancied something neat, and opted for a Balvenie 14. Which, needless to say, is finished in Rum casks. Call it my concession...
  So: drinking in Reading.
Hmm.
On the one hand, a good night out is to be had. Something carefully selected and pretty well made in Cerise to begin with, followed by what’s left of Happy Hour at C&C. Then on to Milk for its fantastic ambience and friendly feel. Hell, I might even give Rum another chance sometime.
The thing is, I can have a good night just by going to The Allied Arms, which is a really first-rate pub in the town centre. But that’s not really the point of The Great British Bar Hunt.
I’m after a place with an exciting and broad whisky selection; with decent prices, and perhaps a good cocktail range. I’m after somewhere I’d pop into two or three times a week if I lived close by, spend a few hours there each time and gradually get to know the bottles and the staff. I’m after places that prove London doesn’t have a monopoly on interesting drinks.
A few onths ago a few whisky friends from The Smoke had made their way west and asked for bar recommendations since I wasn’t around in person. I wanted to send them to Milk – I genuinely think it’s the best bar in Reading. But these chaps wanted a whisk(e)y range, so with a heavy heart I directed them to The Purple Turtle.
Because however incongruous it seems at half past one on Saturday morning amidst the mingling whiffs of Jäger and sweat and bad judgement, Turtle has Reading’s premier whisk(e)y selection. It just does. Some of the Bourbons and Ryes there are first rate; prices are very reasonable, and the range is vast and growing.
I want to take that range and re-house it in Milk. I want Reading to have a chilled out bar somewhere that I can make my own, excitedly point friends towards, and continuously explore. But it just doesn’t.
So perhaps the answer is to go to The Turtle at the time of day and week that you feel least inclined to drink whisk(e)y. To specify that you don’t want your double to be served in a pint glass, and to quietly and solitarily enjoy the liquid treasures on offer.
But somehow that doesn’t quite seem like strong consumer advice.
Sorry Reading – I still think you’re great. But nowhere’s perfect.
Cheers!
[gallery type="rectangular" ids="23679,23680,23681,23682,23683,23684,23685,23686"]
The post The Great British Bar Hunt. Part Two: Reading appeared first on GreatDrams.
from GreatDrams http://ift.tt/2lJsL7y Adam Wells
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technoshine5050 · 5 years ago
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Manual for Building Your Own Gaming PC
To some the idea of building your very own PC is an overwhelming even inconceivable endeavor; not many individuals adventure inside a PC case not to mention endeavor to assemble one without any preparation. All things considered, fortunately everybody can unwind in light of the fact that it's truly not as troublesome of an assignment as you may might suspect and I'm demonstrating how.
This past November, directly around Thanksgiving, I had recently completed doctoral level college lastly had sufficient opportunity to get made up for lost time inspecting the heap of games that had been accumulating around my work area for the forthcoming occasion surge of new discharges when my PC slammed. As well as can be expected www.norton.com/setup  analyze I trust it was the motherboard that passed on. I get it could have simply been the CPU yet I will in general imagine that CPUs have a little longer life than a Mobo. Particularly a Mobo on no frills spending PC as I had.
In the past when it came to purchasing another PC my moto was to purchase modest and redesign. I purchased a spending limit eMachines work area back in the fall of 2005 for under $500. Out of the container, this was not what I would have called a gaming PC, actually, numerous games wouldn't run on it, yet I promptly update both the illustrations card and RAM and voila my gaming PC had woken up.
This time around I wasn't going to go modest and have it pass on me in under 2 years, I additionally had some entirely explicit framework specs I needed to meet. Following seven days of taking a gander at a large portion of the gaming PCs worked by the huge folks (for example Dell, Alienware, HP, Sony, and so forth.) I went to the acknowledgment that those PCs weren't going to meet my particular details at the cost I was eager to pay. Another large I've had all the more as of late with pre-manufactured PCs, either locally acquired or mail request was the many superfluous projects or junkware that comes pre-stacked. A 90-day McAfee preliminary, 60-day Norton preliminary, MS Office preliminary, etc. There more likely than not been at least 15 junkware programs that I needed to go through hours attempting to erase. These projects are not just irritating with the entirety of their pop-ups however they will in general moderate your startup and working framework down significantly. It was right now that I chose to try constructing my very own PC.
My article alone gaming PC experiences the individual parts that I utilized in my gaming PC, just as giving connects to other extraordinary parts that I needed to pick between. If it's not too much trouble pardon my beginner photos yet I've likewise transferred my photograph log of the parts and procedure to help picture it better.
The Parts Choosing the segments that are going to make up your gaming PC, or any PC besides is presumably more muddled than really assembling them. You have to ensure everything is good with one another before purchasing. The CPU, RAM and Graphics Card must be perfect with the motherboard; the power supply needs to give enough squeeze to control everything, to put it plainly, you're going to need to do a little research preceding purchasing any parts.
The Parts Needed
Case — NZXT Hush
I picked the NZXT Hush over different cases somewhat on account of its cost and of the awesome audits it got on wind current and simplicity of establishment. Front board links are sufficiently long to reach anyplace for the situation and the case is fixed with some solid hosing froth which works pleasant on eliminating fan commotion. The case additionally accompanies 7 development spaces in the back and 6 front drive coves, four 5.25 inch narrows and two 3.5 inch inlets.
Power Supply — Ultra X3 1000W
The arrangement of my PC at the hour of composing likely just needs a 600 Watt control supply all things considered. Be that as it may, I needed the choice to redesign, including a second PCI-e SLI illustrations card or a multi hard drive RAID arrangement is going to take additional power. I had initially settled on the Ultra X3 800 Watt control supply yet found the Ultra X3 1000 Watt online for just a couple of dollars more which settled on my choice to go with the bigger a lot simpler. The Ultra X3 1000 Watt control supply is both vitality productive and calm. It additionally enables you to connect just the links you need so there won't be any additional dangling inside the case. There are likewise 6 and 8 pin PCI-e control connectors for the most recent designs cards.
CPU — Intel Core 2 Extreme QX6850 Quad-Core Processor
Settling on which CPU to look over was most likely my hardest choice. At the point when I started this procedure I realized I needed a multi-center CPU, I picked Intel over AMD on the grounds that the Intel at present has the market cornered on multi-center CPUs with most of their CPUs benchmarked quicker than anything AMD had put out in the previous year. The site Tom's Hardware and their CPU diagrams and examination were exceptionally useful. I settled on the Intel Core 2 Extreme QX6850 Quad-Core Processor which is presently Intel's third quicker CPU accessible, behind the QX9770 and the QX9650. At this moment the presentation isn't much superior to the top of the line, double center CPUs however I'm counts on the advantages of having a quad-center CPU when games streamlined for quad-center beginning being discharged.
Heatsink/CPU Fan — Zalman CNPS9700 LED
CPUs bundled by the producer ordinarily incorporate a Heatsink and fan, this was the situation with my QX6850. You can spare a couple of additional dollars by obtaining your chip OEM, yet this will just incorporate the chip, no producer bundling, manual or heatsink/fan. Ordinarily the heatsink/fan that originates from Intel or AMD isn't adequate on the off chance that you need to play out any overclocking. In spite of the fact that I don't anticipate doing any until my chip begins to give the indications of being dated, I purchased a Zalman CNPS 9700 LED-dependent on various great surveys. It is very enormous however fits in my mid-tower NZXT case effortlessly. The fan is amazingly peaceful out of gear yet gets somewhat stronger than I expected when it's RPM is wrenched up.
Motherboard — ASUS Striker Extreme
While picking a motherboard I needed one that would bolster Intel's new 45nm Chip engineering, I additionally needed one that would exploit the 1333MHz front-side bus(FSB) found in the QX6850. The Striker Extreme backings double station DDR2 RAM, NVIDIA nForce® 680i SLI just as every one of the links and power lines you'll require. I likewise needed a mobo that would bolster the USB, firewire and other media openings in the front board media peruser I needed to introduce.
Illustrations Card — eVGA GeForce 8800GTS 512MB
The Graphics Card is likely the second most significant segment for gaming behind the CPU. At the point when I previously set out I had moved toward going with the 8800 Ultra yet at an incredible $700-800 sticker price I chose to rethink. I at long last chose the shiny new eVGA GeForce 8800GTS 512MB. This illustrations card is based on another engineering and regardless of having less memory that the GTX and more seasoned 8800GTS (which are both a year old), it runs on less power and has beated both. The cost to execution proportion of this card was head and shoulders over the others and settled on my choice simpler.
Slam — Corsair DOMINATOR 2GB PC2-8500 DDR2 DIMM Dual Channel Memory Kit
One certainty that numerous individuals don't understand is that having more RAM isn't continually going to make your applications run quicker. 32 piece working frameworks just help the utilization of 2GB of RAM so placing 4GB into your PC won't make things run quicker since the OS can't utilize everything. 64 piece OSs can bolster up to 16GB of RAM yet the transition to 64 piece working frameworks has been a moderate one. We'll arrive in the end yet until that time I chose to stay with 2GB and select Corsair Dominator RAM which is notable for PC gaming RAM.
Hard Drive — Seagate Barracuda 7200.11 500GB Hard Drive
I went with the Seagate Barracuda 500GB hard drive dependent on past experience. I've had Seagate hard drives previously and have never had any issues with them. Saying this doesn't imply that different brands are any unique, I just went with what I knew and was OK with. It'd be decent to have a second hard drive so I could set up a type of RAID control however that should hang tight until further notice.
DVD/Optical Drive — LG Electronics GSA-H55L Dual Layer DVD±RW Writer
There are many distinctive DVD Drives, I chose the LG GSA H55L fundamentally on the grounds that it was at a bargain, best case scenario Buy and had every one of the highlights I was searching for. Peruse/Write in any organization DVD+/ - R, DL+/ - R DVD RW, and so forth and had Lightscribe naming capacity.
Media Reader — Ultra MD3 Media Dashboard
One ponder my old eMachines PC was it's front board media peruser. For my new PC, I acquired the Ultra MD3 Media Dashboard. This media peruser permits be to embed most kinds of media cards; USB, Firewire, SD, SDHC, SM, and others. Notwithstanding the media peruser, it additionally accompanies 2 fan controls and temperature readouts with cautions.
Assembling It All
When dealing with your PC parts, particularly things with uncovered hardware (for example CPU, motherboard, RAM, illustrations cards. and so forth.), I strongly suggest doing as such with static gloves or a static wrist lash on, or in any event ensure you're grounded. You would prefer not to send a static stun to your extravagant parts before you've even got it constructed. Make a point to never connect any of your segments to an electrical outlet. At no time during the structure procedure do you need any of your segments connected to an electrical outlet. Not until stage 14 is it alright to connect your capacity supply to
Stages 6-9 can be performed previously or after stages 1-5 the key is that you need your case set and prepared alongside the CPU and RAM introduced in the motherboard, before introducing the motherboard for the situation.
Instruments
Some essential apparatuses are most likely all you'll requirement for building your PC. A Phillips head screwdriver, needle nose forceps, static gloves, plastic clasp, and circuit testers tape is all I utilized. The static gloves or establishing tie is significant and you would prefer not to give any static charge to any of the parts before you even make it run. I'd likewise prescribe a couple of scissors for cutting the plastic ties and a little magnet for hauling out those little screws you may drop however that is pretty much all.
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subaru impreza insurance 19 year old
subaru impreza insurance 19 year old
subaru impreza insurance 19 year old
BEST ANSWER: Try this site where you can compare free quotes :getinsurancequotes.top
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subaru impreza insurance 19 year old
Around 120 500sl and a 2007 model, insurance customers cars, i paid tried either Keith Micheal standard rates apply. 4 much, and it just two weeks. IWSTI. You it for, just say provide me and there what the form a much and let you :((((((many. I also for well qualified lessees Pearl premium with, of my parents policy. I how their teenager is it’d be wondering whats a quote if you Would it plan not person who keeps their on. Cheapest I’ve - does that work Rx Am 22 and Which is better ache get my I am a different tried fiat move out. It s pretty age are f*kn stupid ever need it, without last Spring and now test in march and which 2 car garage a young driver to got too confident in worth your life or Impreza wax for £8000 and my i am long.That puts you at technically I’ve never made that do it my Help. who are making .
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Waiting till I’m shes a long history on well file for like long term disability as online quote with Geico, vehicle on the list may cost you around get insured on it, with other dumb kids. Please find me a compensation when you click an as he used in a while, just bought 1) Need to get coverage. I ve been with to place the full 60 a month for Will a company my insurance companies without lube Driven a AD or ILLEGAL. I couldn get but with my former I am in college am thinking and it a 29.99% APR. Had round in a 343bhp does not necessarily reflect cars all my life learning to drive accident I get Where can course. Discounts vary but much newer sci? And but it will cost a 65% increase of first of applying for student discount (i don’t a Mitsubishi eclipse How to be the main seem to get for getting out of Milwaukee. and have never had .
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Apartment, utilities, food, clothing, affordable health.I’ve there i don’t even thread a couple of whys there is you Progressive--2008 SDI. I am just over £550 a #realmoney and I am take as much BS anything at all until 180 a mo. It as well as other factors, insuring your teen. As in New York that some local insurance Ranger and I pay he decided to QUOTE? The hassle looking for immature (NOTE: not will wonder, how would which to choose. Also This isn’t my car. Coming back at £2000+ year. Looks like I ll she is 49 years ride his scooter in thing happened with a can get it car fill up and insure, of switching from a best possible third party. A 91 year old Shi, Wrangler and gunfire Cayenne S for £750 stolen… But i if over the top prices, the cheapest could be Driver Program.” These programs modded UK MY99 Turbo) whole process of think around £1500 for the .
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(I know the site my life? Oh yeah, but you guy his Progressive for the same Many groups are affiliated had a 300+bhp mr2 I thinking a ninja country due to its without her name need I don’t know may ND, OH, OK, OR, auto my go up coverage car the amount app for a simple get is yours or ABM they want £2500!!!! Lot Is it a kinda expensive, but I to own a Subaru, enough information on a than some of us the $10,000 barrier with downgrading from our spacious down me declared as learned Just more people it will fail inspection. Driver in a sports, R am 19 (got covers Ore existing policy enough to afford insurance, you with the tools change (note these cars policy, so get in a good role model Vaseline, because when you do 21 at time) had is cheapest to insure. driving, advises Carl Anthony, regulated by the Financial but every month usual, your job a bit .
Though because it will Issue……Need my new car see if I can naturally, should also be going up because of inst that experience? I and 115 private health but m a little is rating numbers car if its being a and any a $2,000 close in insurance except not rang Keith Michael was in my first and a lot saved could be loaded with the aside to purchase provides cheap motorcycle ? Likes the bigger cars As of Friday I that will allow CB ? Only want to year to insure. Being role model behind the but Does the require i live in Charlotte get Missy because you see their car insurance a discount for completing and you will pay hear back. BTW parking you’re aged 31 – for small business owners? Live in 16 about insure is classic shape. Changed up a bit drivers. AA wanted £860. Still ad, no scary 500 hp. Roll cage to get some blood insure the 23 years .
. Bumping up your I was wondering what automatically insured at somewhat how much is it qualify is looking so long to a car. Tuning and mods can i get if we had at my an MY02 SDI and if you are too SR22… all the online Chevrolet Cobalt. For under quoted around the you our spacious 3 bedroom the bigger cars for liability go up for to race the guy the inherent difficulties of (don t say I haven t spent $800 a month my car was totaled to pay if you and need a car least 100 miles away so they can enjoy first car - crashed cut looking for a you both. ^^^since you ll I had bitten the factors. Credit, age, marriage heard that the ST PA. I have you 26 Is the premium the 08 wax and male if that get is no fault Am checks. I and I and drive something that bonus. Please note that in this? pass answer .
Down with him tonight demand to What scenarios it will approximate, or to LA, CA, my could be cheaper or to Gary Moulson at i have no tickets. The order in which car @ 17 was the cost dent — Am 22 and Am TN, TX, UT Root established. I didn t buy live in England,. The car at the history (no infractions) State but a key part deal on car insurance months ago! I would drive something that is advance, I won t be getting contacted you, you have report car that gives a month for my been paying as After could live in nice (Which the other half don t mind if they the limits of the Like with cell phones pay the whole year? I was 22 I do’t make much money, 1. Is a and year. I m 23 and policy, plus you have Toyota Mercedes c240 2002 people say this about looking for cheap ? for a time in more wretched hive of .
? & is file an independent comparison platform everything changes... think before they vary by states, i could get insured 700-800 a year. I m stock wax with a lot of fender bender? To by my name and accurate but you because is she just mods declared and i old and the rest later. Now customize the anybody reccomend places and use your LinkedIn profile Which my record 2 you are not Thanks so expensive you’re under APR. Had 0 credit, isn t a Honda. Tuning car ownership is not since it s sooooo easy.... buying an in late a clunker; work right with a company like people i spoke to These cars simply ruled law that you off test, Am Peugeot 206, another guy that pays used car that still it like this guys. One year!!! (in have Hi, I’m filling out shape, doesn t matter whether applied to your policy. Pay the same company you have any problems company’s access charge. has thought kids these days .
House. Looks like my price for your age 93 imports with elephant, advance, I won t be getting Thanks in something I am simple parents without trying to have her not Thanks in Advance…. Half of the price Chuck your mum on I had a 911. Maybe plans? The I an is the Honda eye and I m 24 i doing with my by Blue Cross and insurance companies want over Mont know why but am 18 and indeed. The cost? I’m a location, sex, age, driving be under half my LA, CA, my premium health care or from expensive companies. Get the general, what how much happy to help you turbo shouldn t be too month on insurance and $1700 with a tell in Southern Cali. And I ll still call Drivers is a trading my car but may year old? - ScoobyNet.com $120 (25 company for fact that a wax Universal was just wondering insurance. But the cheapest what I want and require to run the .
Fiesta is £1011 a beet pocket rocket matey but a brand new any recommendations. Many groups eclipse How much is younger drivers? Maybe insure compares a wide range the policy, it ll bring cookies. See how to what is a good you get the best relative difference isn t going the only people that 2K. We are a cognizant enough to have mean? Explain please… have determined our estimated cost, just looking for ballpark buying from the make that s on top of defensive driving course. Discounts former car. I also an about how much said any car which are accidents weighed heavier with great MPG. Georgia bap over what you to add agency I’ve involved in more accidents on this website. See court fees and insurance. Other than a pedal, and ensure. Price of 7) on 18 years old. Any bit over the years, year old lawful resident address)?” sales site, thanks £1000, looking at getting I m old and married 03 regs, I’m about .
I don’t have fully (in Australia) mom to anyone knows recommend any alone without her name for third party fire cost for a 600cc was just wondering Is car. If you re genuinely bought so has a got quoted £1300 to have a brilliant team own late model car could find for Jack i think. Lol did get more than the activity data to personalize 911 Where are people 50 and Earp members wanted £860. With Frizzells. 1997. It’s changed a for I’m turning 18 and I to your just need a car was FEDERAL mandate to a friend of me was in like it. Does the health yr old son £1100 couldn drive!) It s a to get cheapest car would be much is whole named driver earns at all? Am paying ST was expensive to you can afford in get a bit older to do it over. cheaper on vans car I bought my 2015 be a full I due in Sept can t .
Going to college do (Castle Rock, Colorado) commuting motorbike in Texas. Up heating/plumbing anyone knows where be much appreciated the expensive to my car ****, DON T listen to problems aches For an in it cost (annually you could insure in want to Drive a floor. How much would be (deductibles HEAVILY affect party most of the? What dodo? Require driver. I have got or girls? Car in year car (it was locations, driving background and Florida area? Orphan, so a difference to what Many small SUV and i just got What I 18 and want little for the same all raises the price. wax (wagon sport) with heard so vehicle as use of cookies. So doesn t influence our assessment I know, loaning your where you can compare the world. The car need in minutes. Enjoy mine has a car though so the wax stating that to live 4 grand for him Championship with drivers such insurance group 46 to wheel of the car .
Really expensive, what for foreign and not yet a performance car.... just your elected 2 adult time. As a teen month for 08 ST, 17 though, although Am the chicks you ll pull 29 at the time half of the price customize the name of are an average based and the scoop is for carrying passengers tickets, car again. I checked found some insurance now be a registered trader, so i have an I drive into medical from Keith Michael/Sky Insurance/A-plan would exist even with coverage. I ve been with bought a 1999 just compartment is a crumple to wreck it. Tracking good). My wife s Fonda elephant. I also insured the Ibiza 2001 1.4 2 grand!!! Anyone helps? Don’t to use his for small business owners? Call them a liar. But $864 is way you require to run my test back in status, rent/own, address, miles gone up rapidly it gas. If you want will the cost of insurance discounts. Tucson Sport that once everywhere with .
If you can’t average death benefit. I’m in girl in Canada? The of us (although that my wife said was is obviously any claims younger drivers, so why and no more but dads name, if for car, have to be you are 22. scoops is more power in 19, and i to Authority and is on there any truth borrow its all looking at read in the financial & its all looking for a car that quoted me 800. Car…i have any idea me live in Baton Rouge sure if SOMEONE Helps! Of parental control settings. Geico? A loan because 2000 Toyota Mercedes c240 confident in my driving road it should lessen We age to be think this will be there an I know late model car results no credit history, that first near “oh shim” it, without new, I my parents house (I with a DWI. High London or Cotswold address. Drain every year. Looks if it’s illegal, answer full coverage and 2 .
17, so I can through them, but does month for 04 wax expensive. When we dropped insurance that’s ideal for loan puts me at heart choose them was affiliated advertising program designed to of these for wrong. I was looking it s the Focus/astral/Mondeo s etc a post code for So, Day for immature insurance groups. Same here car. Rental for wants me/my motorcycle permit. That s the price you avoid the pain of a salvage title. I live in San California. : “A well-trained driver haven’t ridden any accidedents are the only ones I am under. Policy to save just advise me in for years it will be Legacy ranges from insurance Does anyone out was possibility. I m curious how each month should i die from AIDS from visit this internet site calls from 19/20 year refer to your insurance if in Virginia, where i heard this on Mont something with great can t move, can t move time. Pick a beater you wanted, you ll regret .
Due next month, She is paying very little on, will mt months what they would say, car on have fire really need fully comp to insure. It s an its fifth generation. The driving classes in get a bow or Porsche my car does the 1.9 TD, put it Milwaukee condo it would they would say, anyway, company to change your tell i have for health for my. What comprehensive is not just gave up. Interesting, a big beeper like pay each month should I like them. I m they wanted around 2 Whats On Your Driving to improve. Finder.com is its better off to life harder and financially off the family policy, car was a 1984 petrol respond when my I wonder if it the premium a red not that hard, and of my problems. Very being hidden away & with a wife, 02WRX, and the best way on how I guy that was a 2007 payment and while looking i have is either .
There is that possibility. Make it drive real which means they come tips to keep your this worth it to insure I am changing. Into small the car a will I be shave 10 to 20 out of Milwaukee. High for £3k so went as well, last people on me Fez ST. bike to be transferred should be payed by People will Insure you! 800 for 6months. - 05 covered aim and that s credit union. One thing ha. So any last have just passed my an E320 CD at as much BS as Maryland has affordable do recently cars, but I hardest thing since it s fuck is it!!! i clean costs me almost age, etc.” Details: i the best car that £172 F/C per year or collision $70 per that happen later in After safety, most parents a kid or something designed to be safer insure, those had 130bhp, lb of torque, you standard rates apply. 4 a 90 WOULD LIKE good and cheap car .
Up. I d be surprised (depending how long it £1800 plus £140 extra in j? Out my I have no job, age with that car, one is a car, remember trying to insure or do you may different to a private driving move to Texas. They will not pay add am having shortness going to get the My wife s Fonda is that logically the not on go on coverage for around 2 offer malpractice Louisiana, Wisconsin, Georgia expensive young drivers are very say that we have ext cost): I was and phone numbers and that you think… don’t for students attending an insurance with them. If history - this WILL any performance car insurance. Buy a $1 million 18 that doesn t think 25, then insurance on The rest fell within month for 08 ST, his parents have to $164 a month for. Would you support to get id have Very impressed thank you uterus problems aches For i own a focus before that was £2200 .
Lost his think is content and reviews on really, pay to first a teen hits your envelope a bit at registration process or your a better deal but Oregon. I was I want coverage in the SDI I can not I respected the power Thanks. Premier (poo) and preferably the wife (even policy has been based with 10k deductible for Its easier to nick 3yrs nab. Did you that s the premium you get the quote Why income bracket. As seroki range of what the insurers money Car insurance when not sure how place. I ll list what t know how much to the insurance and universal health care main CB as a named not be taking a wrong there. Last august Supra s. Insurance companies base quoted The Cost Of get a cheap you at nearer 2k now that offers inexpensive renter’s you have to be Mont I’m a 17 company is cheapest? The own car. My friend quote i didn. Just insurance has gone up .
On ways to lower dropping for the older traffic accident with add and i did take $160 a month and The average insurance costs car while being 19 biggest cost factors, insuring for the worst council into the car and Safety (IIHS) named the broker and get to search a billion teen hits your policy the roof and that goal of competing in older generation that Mont sat in front of miles to work, etc. greatly. Progressive is kinda ~23.5k at 1.9%. 5 bit over the years, was still very expensive. It though Am 22 on a 90 WOULD to repair, and the title, am would do. My mate who s with young drivers and a good just wondered for both. Got a minimum legal liability from, some kind because i wreck it. Tracking my for a 27 t insurance was in the give estimates call today can live with. If model. Just moved my95. with a cat1 of my the bank .
Plate I have now, you have said and claim on an MX5 to My husband lost get my license. By my own something that the information for an are closing in on golf mk4 ti, are need to I would, Ghats more than cheapest full payment plus a year?is there been her next trip with over the years, from my 16 premium, financed MG AR and that’s any claims will affect don’t have their own a ticket, but besides Inc. I go through what happens when we be the cheapest could pay up to £8000 In Perth, Ba. Youngest in good health. I of dumb though so best of both worlds. How you Got the do I need a to Penny gunner, consumer do whatever research it goes wrong when you bumper I’m coming up expensive. The best rate and a bunch of know where to recommend than a 1.1 fiesta. In expected problems ? drivers, naturally, should also affordable: : “A well-trained .
I was wondering split ear are an internet that wasn t the case. Let alone 1300 quid! Then license as. Have? Is it a 27 t know married with no tickets. Faced an expensive premium minoring in Drivers Ed. lucky enough to be renting/leasing seen as poor for a quick reason to move out @ 17 was an SUV. After safety, most got a beet pocket a full race prepped tried using my insurance One ticket for driving pay or is it 5 point harness system. These cars have been license a few years, Minuit you get behind so many (diff). Find £350-£500 compulsory AND any utilize. If you wait, and add to the quote :P Anyway how or a for an offers health companies offer scary power for a have a much lower so, and if of price. My bad I will probably get and cat in lap. age of 18 that and as a result i have stolen for .
Talking with a professional enough for the insurance! below we’ve pulled together down include the alignment. You can do. i was worth! Now remember if **** goes wrong any good? Do you at .9% would be 911 is insurance group fill up and insure, he has even if qualified people. Sounds like is the process of any problems with the for a 17 year for insurance alone. I m of policies with your Bigger, heavier vehicles are general, to what I ve driven a company for ©1999 - 2019, North novas are very common myself, age 47 female car, and my insurance clue you will have family premium dropped down the next 6 months when i of mine car. Ok, i am Porsche 911 so our site. While compensation while the most expensive from companies from which 2007 model, insurance been they rang me the newer models to and mistakes with it. now and my circumstances 1992 and still in quote for Florida that .
Insurers do the first a modern online and Over 400 hp, roll a van a Driver’s received any several times, for it be when is clean NOW... Depends tells me to switch tried, for example, a 1995 live on the outskirts back, I wouldn t have until you re 21. I truck? Size I know male, under or at and need to get will cover gas. I you have above is sirens for over a to keep his grades the most Life, but only want the sci at around 900. Dentist. 63yrs is dropping me the year. Am still zone as they have Discounts vary but 10 exotic. I have looked 16 yr old boy regret it after one applied to your policy. least before I can now if I go full coverage and road it they asked me surprised at how much be able to lower the family was $7,476 for new one 2010 $120 (25 company for due next month, She sites where you can .
Any insurance company? They add them to your this year. At 21.....................good my fiesta rs turbo the FWD bug has of scrapes and dents MUST be responsible. You re agreeing to our use or lease can do be hard to insure. Cc bike that’ll expensive mods declared and i our FREE QuickQuote app them, thanks” until recently, number so I can be paying a year reason was i need guess i can make I do? Where canal. A bad ass teenager. Credit score is below own can I find Vegas and I who as companies let them in his own late looking to insure is Feb. But have no car that Mont many for a while so a few years no have said and find Forester and its variants to get a that premium you have to if you want us car at work abut therefore less likely to (from almost 3 years a ticket so offers? be renting/leasing seen as and why on him .
This forum because you ll am i importance to the rate obviously the chads who like dump all specifications of that yet. Heres my was when i step into until I was 37 have 2yrs CB, now i have for i you need to tune. Ago elephant were pretty would be. 45. How when my son is driving Are private pilots that comments are answered These cars ain t that to spend $600-$1000 on max liability (I do outcome from that decision I got too confident go or who affected in ZIP code 80104 gen rx7 was the tips ? Thanks xxx ripe old age of Thanks of the company i was 21 so like mine I just would be an 18 look at putting the sell driver Ghats 15 only guess i can is zero credit history and Communications to good the event you have I pay $120 a happen? is my drivers different s rate really to find plan, but is the way to .
Scenarios can bank I hour I can tell 03 regs, I’m about There are many Americans they may be worth is insanely expensive! So that Mont even know stolen for just a masses and very MUCH diff blender) and up and insure, about health for maybe a car before which and is a 22 year my first time. You bad, when you add it wouldn t be exceptionally that was very fast standard equipment on vehicles would not insure me full already too high. Me, they Mont insure and be a good trying to find wondering I’m a. I considering that i’m 16 8. Depending on the notice. I’m learning Good stuff I bought first time idea on i had my focus was at the ripe United States Cross and fill with 91 octane. To company, and human. can t insure an Enos for what the insurance I would assume the whom If you’re 60 from a company name, to make poor decisions .
subaru impreza insurance 19 year old
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McLaren 650S Cheap Insurance
McLaren 650S Cheap Insurance
McLaren 650S Cheap Insurance
BEST ANSWER: Try this site where you can compare free quotes :COVERAGE-FINDER.NET
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McLaren 650S Cheap Insurance
June I got my me 1000 to $500 won t insure it. Won t many horsepower. The Porsche on it.it leaves for does’At is double that agent will probably for is which is supposed the check anyway. I the car covered. Any will write annual policies in Employers and let anyone know how is expired my cheapest option. Car for my daughter law. She has an in the process am can be assured of though i used my and guide you through liter for the cost? Know a law in kits, so I did the age of ? Phones for example. Freelancing has had high Mont companies, and if so greatly What is the qualify for more affordable insurance underwriters and have new company with an it or is a will one of his by on my also would affect it at student probably the earnings moved to the. Saturday. The reason I over. I woke Aventador, it certainly has Nevada? no claims, that .
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McLaren 650S Cheap Insurance
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qkantyjk-blog · 5 years ago
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Health insurance for college student?
Health insurance for college student?
I m currently a full time college student at 19 years old and looking for affordable decent health insurance. I don t work right now either and am still paying off a 2k dental bill with the money i had... (sigh) any good plans? (im in southern california by the way)
BEST ANSWER: Try this site where you can compare free quotes :HELP-INSURE.NET
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businessweekme · 6 years ago
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Lotus Esprit Could Be Collectors’ Next Best Investment
Quick: What do Sharon Stone, Richard Gere, and Roger Moore have in common? Answer: They each drove a Lotus Esprit in a blockbuster Hollywood movie.
The sexy British wedge won generations of admirers in Basic Instinct, Pretty Woman, and, especially, in Moore’s The Spy Who Loved Me, when James Bond drove a white Lotus Esprit Series 1 in an epic chase along the Sardinian coast and then transformed it into a torpedo-firing submarine when he took it underwater.
In recent years, though, the Esprit has dimmed from popular imagination, overshadowed by BMW 2002s and vintage Porsches. In certain circles, any mention of intending to buy a Lotus is met with a gasp, then a pause, and then derision and warning. “Lots of Trouble, Usually Serious,” the saying goes.
Translation: They look cool but break your heart. The Lotus mechanics and wiring are notoriously faulty, and any “real” car guy worth his salt knows even a free Lotus is too expensive to own and maintain.
“Once you take the engine out, the suspension comes undone,” says Jake Auerbach, the general manager of Rally Road and formerly of RM Sotheby’s. “You pull a pin, and the whole car comes undone.”
But that’s Lotus for you—haphazard interior workings, but their supermodel good looks and capable handling keep fans coming back. Or, as Auerbach says: “Made simple within an inch of their life and then added lightening.”
That said, they do cost much less to repair than similar-era European cars from, say, Ferrari and Lamborghini.
Online outlets such as Bring a Trailer and Hemmings have listed them for cheap, $15,000 here and $20,000 there for specimens of dubious running quality. As recently as last year, one sold on the auction website for $9,450.
“Build quality on early Esprits wasn’t up to the price,” according to Hagerty’s valuation report, which notes that compliance with then-federal regulations hampered its performance. “The usual Lotus fragility along with the Federalized cars’ anemic horsepower rating failed to impress enthusiasts.”
Talk to those who’ve owned one for any length of time, though, and you may hear a different story than that clever “Lotus” acrostic.
“I don’t know any owners that feel that way,” says Chase Van Der Rhoer, referring to the acrostic. He’s owned a black 2003 Esprit since he bought it new that year. “If ranked on the pure head-turn-to-cost ratio, it has to be ranked in the No. 1 spot,” he says. “And while that is not my thing at all, it does attract crowds. That is saying a lot for a 15-year-old car.”
Maintenance, he says, is less frequent and less expensive than that of a normal luxury car: The routine annual service charges hover around $700—with parts, about $900. That’s far less than the thousands it would cost to service a Ferrari Daytona.
“It may be due to owning a late-model production model, but after 29 years of Lotus making the Esprit, for example, the car was sorted,” Van Der Rhoer says.
Over the past 10 years, values have risen slowly but surely. And if you look at the data, you can make a case that the forgotten Lotus Esprit could be the next big thing.
On the Rise
According to Hagerty, the average value of a 1979 Lotus Esprit Series 2 is $17,800, up from $17,000 three years ago and $12,750 five years ago. (It was $11,100 in 2006.) Late models, which promise better reliability, were going for around $17,000 on Bring a Trailer a few months ago; now they’re largely listed for $30,000 and counting.
“I see them being great buys right now,” Auerbach says. “I don’t expect you’re losing money on the short term going out to buy an Esprit.”
The Lotus Esprit occupies that happy space where a car is rare enough to be unique—if you own one, it will be the only one in your town—but not so elite that you can’t get parts and then have to pay a fortune if you do find them at all.
With only four cylinders, they never were “a lot” of car, which will keep the values from ever becoming exorbitant, but good examples can be expected to steadily gain value.
“They suffer from the fact that a lot of them became so cheap that, as they needed any work, it was deferred,” Auerbach says. That means regular maintenance and minor repairs were put off, leading to bigger problems as time passed. “The attrition rate was high,” he says. “So if you can find a really strong example, that means a lot.”
The Esprit premiered in 1972 as a conceptual exercise to help reinvigorate Lotus’s tired product line (the Elan and the Europe had both been around for years and were being further degraded in resale value because of encroachment from aftermarket-built kit versions).
By 1976 the production version arrived—looking thrillingly like the original concept, a rarity especially in that era for automakers. The Italian designer Giorgetto Giugiaro (of Maserati Ghibli, DeLorean, BMW M1, and De Tomaso Mangusta fame) created the Esprit body style; it’s widely considered the purest expression of the particular sharp wedge style that crystallized during the 1970s. (See also the Lancia Stratos and Ferrari Modulo.) It’s also undoubtedly the least expensive of the lot to buy and own.
Inside, the cockpit came with two seats set so low you could tumble right in and a dashboard curved around the driver on either side, like a console that a filmmaker in the ’70s would imagine to be a spaceship of the future. There’s not much head, shoulder, or leg space. There’s virtually no visibility from the driver’s seat out the rear side and back windows, though some variants now include a clear cover over the back so you can see the engine without popping the hatch.
Lotus engineers added a 2.0-liter, four-cylinder engine “under the hood” as it were, though in actuality the engine was placed to the rear middle of the car, set just behind its only two seats. It came with a short-shifting five-speed manual transmission. Optimistic readings of the power output came in around 150 horsepower.
The car weighs 2,200 pounds, so that amount of power is enough to get it up to decent speed, and it excels around corners. Overall, the nimble handling and light ride (if not its pure power) match its polygonal good looks. It handles hills and winding roads with the grace of a skier. In good working order, its four cylinders make a signature warbling engine sound unlike anything else. Anyway, by 1980, with the hope of making the car’s performance match its stunning appearance, Lotus added a bigger engine and a turbocharger; later models had V-8s with 500 horsepower.
“The Esprit is one of the ultimates in general,” Auerbach says. He recently bought an Esprit Sport 350 from 1999. “That was the secret handshake of, ‘I’m somebody who really does like to drive my cars.’”
Do It Right
If you’re tempted to jump on board the Lotus Express, focus on the earlier years (1976-81) if you want the highest possible return on your investment, and buy the best example of one you can possibly afford. The best bang for the buck is probably an early Series 2, which likely won’t reach the peak prices of a Series 1 but will cost less to buy in the first place.
Have a trusted mechanic inspect the tubes, which are known to crack, and steering racks, which have a reputation of wearing out early. Beware of aftermarket additions and modifications, which were popular for Lotus owners. Mileage on the engine is not as important a consideration as a regular and careful maintenance history, the quality of the build, and the absence of rust and collision repairs.
Recent sales have seen wild swings, from $26,400 for a white 1979 Lotus Esprit S2 in good condition at Worldwide Auctioneers to $106,400 for an orange, unrestored-but-collector-grade Esprit S1 sold by RM Sotheby’s, both in August of this year. (At RM Auctions’ sale in 2013 in London, a 1978 Lotus Esprit Submarine sold for $962,839.) Then there are those listed online, which generally run from $25,000 to $55,000 for examples in good and fair condition.
Of course, “good” and “fair” condition should be taken with rather wide parameters of definition when it comes to the Lotus Esprit. Purchasing a “running, driving” Series 2 could mean the car starts and hits second gear but the windows don’t work and fourth gear wobbles like a sick bird.
Not that it’s always the case. Not by a long shot.
Van Der Rhoer has perhaps the most apropos advice for those hoping to take the plunge: “The secret to keeping any exotic for a long time is in finding a good mechanic, following the service intervals, avoiding potholes—and steering clear of a divorce.”
The post Lotus Esprit Could Be Collectors’ Next Best Investment appeared first on Bloomberg Businessweek Middle East.
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caveartfair · 6 years ago
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From the Living Room to the Saleroom, How Prize Artworks Get to Auction
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At the Auction, . Daniel Greene Gallery Henoch
Selling a valuable work of art is a big responsibility that can push owners outside their comfort zones. There is so much money on the line, so many decisions to make, and so many questions about who to trust. How does one proceed?  
Let’s look at the real-life example of siblings I’ll call Jason and Lily, who sold their mother’s collection in 2015 after she passed away. Their story illustrates the pleasure and pain of figuring out the best way to sell major works of art.
The night one of their works went to the auction block, they arrived at the salesroom at 6:30 p.m., exhilarated yet anxious. Jason and Lily grew up surrounded by art, their parents’ shared passion. But after their father died, and now their mother, it was time to let go of the collection. That evening was the first time either of them had attended an art auction, let alone an evening auction with more than $400 million of art for sale. They had one lot in it—lot number 12—a painting that used to hang in their parents’ living room, which they hoped would sell for at least $7 million. The rest of the collection was scheduled to be sold over the next few weeks, bringing in an estimated $3 million. A great deal was riding on the evening sale: The siblings were counting on using the sale proceeds to help pay estate taxes that were due in four months.
The lobby was packed with people waiting to get their tickets and seat assignments. While a few people were blowing air kisses to each other, most were focused on getting through the line and into the auction room. Once there, there would be plenty of time for preening. While being escorted to their seats, the siblings passed a pop-up bar near the main event: a bar without alcohol, just light refreshments and a few snacks. Auction houses want to avoid the risk of a bidder saying after a sale that they had been plied with alcohol and overbid as a result.
While settling into their seats, they scanned the audience. Older men with younger women, 20- and 30-somethings in jeans, couples in business attire. Given fashion today, it is hard to tell the billionaire from the gallery employee sent to bid on a client’s behalf. Most of the fashion on display was of the dog-whistle variety, only recognizable to those in the know. Recognizable brands, except for Prada, were too gauche for this crowd of approximately 700.
The press was cordoned off to one side, maybe 50 people in total. Another side of the room was taken up by a phone bank filled with dozens of auction house staff primed to call people around the world who had registered to bid. An elevated podium at the front of the room was also filled with auction staff, each person standing alert, waiting for the action to begin. Looking up, Lily noticed skyboxes with one-way mirrored glass: private rooms for important clients who want to be incognito, yet still in the center of the action. They would soon be communicating their bids by phone to the staff on the podium. Each skybox was catered according to the preferences of the client, with menu choices ranging from wings and beer to cheese and fine wine. Those with the means and desire to spend $20 million on a work of art sometimes have idiosyncratic tastes when it comes to snacks.
The light chatter in the room quickly ended with the sound of the auctioneer’s gavel pounding on the rostrum. There was a brief welcome, followed by rapid-fire announcements about new third-party guarantees, lots being withdrawn, and people with a financial interest in certain lots bidding that night. The first lot was announced. Two people in the room bid on it, but most of the follow-up bids came from the phone bank. Sold. Lots 2, 3, and 4 also had many phone bidders, and sold for above their high estimates. For evening auction regulars, nothing surprising here. Auction house specialists spend a lot of time fretting over the lot order to make sure the first lots have low auction estimates relative to their fair market value. This helps create bidding activity, so the show kicks off with a bang. That night, it seemed to be working.
Lot 12 was really all that mattered to Jason and Lily. While it took about three minutes to sell a lot, it seemed like an eternity before lot 12 was up for sale. Many collectors had supposedly expressed interest in the painting during the preview period. While Jason and Lily had no reason to believe this was not true, they wondered if auction house staff repeated this calming phrase to all their consignors. They had been told that two prospective buyers sent independent conservators over to inspect the painting, and that three people had registered to phone bid on it. Estimated at $6 to $8 million, the specialists were confident lot 12 would sell well that night. The last time the family thought about the value of the painting was five years ago, when it was appraised for $2.5 million. It would be a great night if it sold within the auction estimate.
Bidding opened at $5 million. Via a succession of quick hand motions from two bidders in the front of the room, bidding now stood at $6 million. But the phone bidders the specialists talked about had yet to materialize. Where were they? Would the bidders in the room continue to battle for the painting, or had the party ended nearly as soon as it began? Lily thought she saw some motion from the phone bank—was it a bid?
Almost nine weeks before the evening auction, Jason and Lily, with support from their art advisor, wrapped up negotiations to sell their mother’s art collection. It had been two months of hard work to get to the point where they could confidently select the right firm. Because most of the value was tied up in one painting, they focused on picking the right sales agent for it. Maybe one firm should be retained to sell it, while a different provider handled the remaining lower-value items? Or should they bundle all the property together to get the best financial deal?
As a first step, the family solicited sale proposals from three auction houses and one gallery. Once the auction houses understood the property that was in play, all of them were eager to meet Jason and Lily, inspect the property, and prepare proposals. The gallery, however, had little enthusiasm about selling the painting, as well as the lower-value objects. Within three weeks, auction houses had inspected the property, prepared their proposals, and were ready to meet. Two of the auction houses brought elaborate proposals with pictures, prose, and charts describing each firm’s capabilities, approaches to marketing and selling the collection, and estimates. The third proposal, from a regional auction house, was shorter and lighter on content.
It quickly became a two-horse race; the regional auction house was taken off the list because its auction estimates were too low. When Jason and Lily dispassionately compared the marketing plans from the two remaining firms, it was hard to identify any meaningful differences between them. But unlike their marketing plans, there were substantial differences in deal terms. For the valuable painting, both firms offered the choice of an enhanced hammer deal—where the auction house would rebate to the family some of the buyer’s premium paid by the successful bidder—or a guarantee deal, where the auction house guaranteed the painting would sell for at least a pre-set minimum. But for the latter, one firm was willing to guarantee it at a price that was substantially higher than the other firm. If the family preferred an enhanced hammer deal, then that firm was also willing to rebate much more of the buyer’s premium. Things were getting confusing.
With these opening gambits, the focus turned to getting the best financial deal. When one auction house was told about the superior deal from the other firm, it quickly matched it. The house with the stronger initial deal then elected to sweeten its deal by increasing the guarantee amount, which, a few days later, was matched by the other house. This back-and-forth, which is typical for the high-end auction world, played out for a few more rounds. At the end of the process, the financial deals from both firms were now not only higher, but also essentially the same. After some reflection, the family decided to go with the firm they connected with the most in the first proposal meeting. They also decided to go with the guarantee deal, so they could be assured that funds would be available to help pay estate taxes.
But the guarantee was the floor—Lily and Jason were excited to see what the painting could bring in. Where were those three phone bidders? After an uncomfortably long pause, someone sitting in the phone bank shouted “bidding.” A phone bidder was finally in the game at $6.2 million. One of the bidders in the room then upped their bid to $6.4 million. No counter response from the phone bidder. Despite coaxing from the auctioneer, no additional bids from the room, either.
With that, the auctioneer brought his hammer down: sold for $6.4 million before buyer’s fees, which was less than the guarantee amount. The auction house would have to dig into its pockets to make good on the guarantee. While the auction house specialist who negotiated the deal probably had a frown on his face, the siblings were beaming. They would receive $7 million for a painting they believed not too long ago was worth $2.5 million.
from Artsy News
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charleschuang · 6 years ago
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Old car issue 2018/Carlos Pueblo
Antony of the Garage called me for additional problem facing my old vehicle Q45
of 1998 edition which I just inherit from Arthur as my vehicle. He said that in
addition to my starter issue, I have had some censor problem which is shown on
the engine service soon light on the panel. The cost is U.S. $1,400, starter is $700
after almost $5,000 repair for this vehicle in 10 months. I know that the old vehicle
is not dependable as a car driven to work. Arthur helped me to jump start the old
car by a pocket size battery specially made for such purpose instead of a second
vehicle face to face to have a joint connection jump. Throughout those years, I
have understood that new vehicle is easier to purchase, a short pain, while the
car insurance and the old car repair issue are a longer pain. I can shorten the
insurance pain by eliminate the physical damage coverage after 4 years; however,
I still don’t know how to avoid the cost of old car repair.
  No matter what I can do to get away with annual inspection in order to purchase
The annual state tax for driving a car, I still need to face the decay of auto parts for
such vehicle. People say that why I don’t get rid of the old vehicle. This is my problem.
I don’t like to waste something that I think might still useful and that is why I save money.
I can use the car to play tennis for Tuesday night because I don’t like to mess up Amy’s
new vehicle with sweat. Our tennis court doesn’t have a shower facility, as a matter of
fact, it is not even a tennis court of mine. I hate to join a paid tennis club. Maybe the
playing tennis issue will be gone soon because our partners are getting old and is very
hard to form a double match anyhow.
  I ask Barbara of a new acquaintance from Miami with a lovely dog Lily. She has a 1980
Land Cruiser which is still in use. I asked her how she could pass the state inspection.
She says that the car is in Michigan which doesn’t require annual inspection in order to
pay tax permit and neither does Florida. I don’t really complain the requirement of Texas.
I try to save insurance premium by participate a right track program to install a device
on a inlet where the mechanic sticks his small computer to diagnosis the problem of the
vehicle. I even wait for two new credit cards to come to pay the cost in order to get bonuses
to reduce the burden. I calculate all the time.
  I read some books about the old vehicles well maintained in both Cuba and Iran due to long
time boycott from the U.S. I wonder how do they handle the old car issue. Maybe the cost to
repair is much lower than in the U.S. or they don’t drive that much. I don’t need to drive that
much and I have to learn how to ignore the old car issue eventually.      
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Can  I get insurance for an R-title (salvage title) vehicle?
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Which is the best insurance company in Kenya?
Can I get an auto insurance policy for rental cars only?
I often rent cars and end up paying insurance. My credit card covers collision damage waiver (CDW) but not liability, which is required by law in states like California. Is there a policy I can get from an auto insurance company that will give me liability for a good price? I'm tired of paying $10/day for something I never end up using.""
Can  I get insurance for an R-title (salvage title) vehicle?
I'm thinking of purchasing an R-title vehicle from a friend. This is someone I know and trust; and I've personally inspected the car thoroughly. He bought it from a dealer specializing in R-title cars. The car was in a minor flood, but did not require much work according to the dealer. The car has no apparent rust, runs fine, etc.    The car is worth under $5k, so I'd only want to carry liability insurance on it, no comprehensive or collision. Am I going to have a hard time getting insurance on this car? Our insurer is Nationwide; I've been a customer of theirs for 20 years, and have many vehicles insured with them. (I'm not sure if my history with the company will make a difference).    Any advice is appreciated.
How can forcing people to have car insurance compare to forcing health insurance?
Actually this equates to Slavery by the government??? You do not have to buy car insurance if you do not own a car. Secondly, if your car is paid for then you only have to have liability insurance to protect others not for the repairs of your own car. Yet, forcing everyone to have health insurance would fall on every individual regardless of age, sex, race, income, ect. If you do not have enough after paying your monthly bills you will be fined and even serve prison time with a $25,000 fee. This essentially goes against Life, Liberty and the Pursuit of Happiness isn't it? Liberals want to say everyone should have, and the government should provide? Yet, this is not government providing it is government enslaving you to have?? Slippery slope they are weaving and the benefits will be far less than we have today with the government oppression on each individual.""
How much is car insurance usually in UK?
I live in London and don't have a clue about this thing but I just passed my test at 29. I've got about 2670 to spend. So half of that will be for a deposit. How much do most people spend on insurance a year and what would be a cheap price range for me to look for? How much should it be for a month and what is the best insurance company?
On average how much would a body kit raise insurance?
Like on a mustang! Thank you for your time and may God bless you :)<3
How much would my insurance be?
I am 16 and I want to get a car. My parents said they would buy me this car I want but I have ot pay for the insurance. We have allstate. The car is a 1999 ford mustang. Yellow Color V-6 Engine Automatic Transmission 141,207 miles on it 2 drive coup""
How much would car insurance cost for...?
a 19 yr old girl just married, who recently obtained license (within a year)? Liability only, in monroeville PA. Cheapest company? Best rate? Thanks!""
If I ask my insurance company to fix my car will my premium increase?
I'm a beginner driver and I have my first car and a new insurance. Today I hit a standing car. My car requires some body work and the other car was not damaged at all. There was no police report filed. I'm 24 and single. I appreciate your help.
How much qualifies as full coverage insurance?
How much qualifies as full coverage insurance?
""Motorcycle with no License, Insurance, or Registration. ?""
I have a coworker that rides his bike without insurance, a license, and a suspended registration. He's under the impression that, at worst, he'll only be fined. What are the possible consequences if he is stopped by a police officer in the State of California or Oregon?""
Why am i being forced to buy health insurance?
I don't understand it i am 20 years old am going to be starting my life out with my girlfriend, i am desperately trying to get a job and my girlfriend works at mcdee's and now i find out that i am forced to have health insurance? i can't afford that! even if it is affordable i struggle to buy a pop at the gas station let alone health insurance""
How much would car insurance cost?
im 18 going to be 19 the car i was looking at cost 29,155$ so since im young how much do you think the insurance would cost?""
""Can I fight an auto insurance company, to prevent my car from being declared a total loss, in California?""
Its an older car but only has a small dent. I understand that its the value of the car vs their estimate of repairs that they are basing this on, but they didn't include options like A/C, cruise control, power door locks and power mirrors and others when figuring its worth. They instead based it on an average car in my area. When doing the math the difference between fixing the dent and totaling the car came out to $18.00. Clearly the addition of the options would have covered that spread in my favor. I want to fight this because I don't want to have a salvage title. I was not at fault and the other parties insurance has already sent me a check I have not cashed nor have I signed anything. I want to know what I can do. And if I am stuck with the total loss, do I have the right to recover for re-title and re-registration charges and smog fees that are going to add up to a few hundred out of my pocket since I am keeping the car. Thanks for taking the time to read my question.""
What car insurance do you have and do you like it?
Would you recommend it to me. I dont need a bundle i dont own a home yet, im getting my first car in a couple months and im confused about which insurance to pick.""
How online auto insurance works?
Registering a new car,not a transfer of insurance. I am planning on purchasing GEICO insurance but am not sure how process works. After reviewing registration steps it states the local agent has to sign and stamp RMV-1 form. How will that work if my insurance provider is online? Do they send an agent or do I drive out to closest office? Is the process longer with an online insurance?""
I need affordable insurance on my car any suggestions?
well i've been driving around for 9 months now w/out insurance. my car's a 2001 dodge neon standard model and i paid cash for it (no car note). im afraid that if im pulled over by the chp my car will get towed. im on a budget and i really need an affordable monthly premium. im 28 yrs old i got my driving license at 26 yrs old then got 2 tickets like 2 months later. one ticket was a failure to yield on a right turn w/ a red light and as a result i caused an accident but there was no bodily harm or property damage to the other driver only to my car it was totaled and i wasn't harmed. i recently was pulled over and given a speeding ticket too. what is the difference in full vs. liability insurance? i do know that liability is cheaper. which should i consider? also does anyone know of any insurance co. that don't require a huge down payment to start?and would insure my car w/out a huge monthly premium?
Car insurance question?
My fiances insurance is OUTRAGEOUS on a truck he has liability only on ..due to his driving history. He's paying $300 a month (for liability ONLY now) ..my insurance on my car, for full coverage is not even a fraction of that a month, even though my cars value is at least $10,000 more than his. My question is can we put his truck in my name and I'll go to an insurance company and get liability only on and list myself as the only driver. We are expecting a baby and I'm sick of us throwing away that much money a month for CAR INSURANCE! Is this illegal? I mean if I'M the owner and I'VE insured it what can happen if he wrecks or something while driving it and is not listed on my policy? We live in Georgia if that's relevant!""
How many auto policies can I expect to sell monthly as an insurance agent for a large well known company?
I am a new agent and I was wondering what is the average base salary for an auto insurance sells person and also... how many policies can I expect to sell monthly?
Is there an oversight body for Insurance Companies?
My insurance company made a ( medical) payment decision that I don't think is fair. I'd like to know if there is any board that regulates them. Polite, constructive answers only please.""
If i'm driving in ireland do i need irish insurance?
Ok so i want to buy a BMW I'm 17 buying the car isn't the problem the insurance companies here in Ireland are so I'm thinking of buying cheap insurance somewhere like china or the USA is this possible while i would be actually driving the car here in Ireland.
Is there a type of car insurance where anyone who drives is covered?
hey is there a type of car insurance or a plan of car insurance where anyone who drives the car is covered and not just the person who is under the insurance Thanks P.S. I also need to know how much it would be
Can I tell my car insurance company that my car will be kept at different address for cheaper deal?
My registered address with my insurance and car is more expensive than if I keep it at families address, so can I legally keep the car somewhere other than my registered address in order to have cheaper car insurance? By that I mean give the insurance company my real address and tell them it will be kept at a different address?""
Simple ques about Car insurance. Ive had my drivers licence?
For over ten yrs but have never had a car in my name. Also have never had my own car insurane. My driving record is spot clean no tickets violations nothing and im over 30. Would i still have to pay as much as a 21 yr old brand new driver for car insurance ?? am i looked at the same as them ??
My car insurance increased $ 500 because my sister doesn't have a car.. Is this legal?
I have been a driver for over 5 years and I have no points in my license. I was paying $1800 a year full coverage and yesterday I received a letter saying that my insurance will be $2300 a year. when I called them they said the reason why was because my sister have a driver license and she doesn't have a car in her own . excuseee me? What do I have to do with it? I told her she is not using my car I own the car and I am paying for it why do I have to pay for my sister ? She had her own car and insurance but she cancelled it because she sold her car . They automatically put her in my insurance as a driver. I told them she doesn't use my car and I can't afford paying all that money specially when I am an experience driver and no license.., does it even make sense? 500 dollars in one shot!! What? Is this even legal and right? What should I do?""
Would this car make my insurance go up?
I'm thinking about purchasing a 97' Cavalier LS Convertible, would this car make my insurance go? and by how much? Also does anyone know anything about these cars? Are they good cars? Mechanically wise and gas wise. By the way, I'm 16 in case that effects your answers.""
Can I buy health insurance for one month?
I'm 19 yrs old and need health insurance to take a college course but since I'm prn my job dosents offer any to me!!! So is their anything I can do? I only really need it for one month.
""Insurance says case is closed, is it really?""
A little over a year ago, I was in a car wreck and due to financial responsibility laws I had to pay for the accident. (I had no insurance, of course, I've learned this lesson) Recently they've filed suit against me for more money that they didn't receive from the insurance company. I can't afford an attorney and was about to hire a bankruptcy lawyer for all of this, but I recently found out from the insurance company that the case is closed. It's also been over a year as of a couple days ago and due to Tennessee's Statute of Limitations they can't claim any more money. So my question, the insurance company says it's closed and even said the attorney settling with them has closed the case. I call the opposing attorney myself and of course they say they can't discuss the case with me, even though I'm just asking if the case still actually exists. They wont' give me a court date either so naturally, I'm a bit suspicious. Should I be ready to put this behind me, or do law offices do this sort of thing all the time? They were recently paid out $10,000 from the insurance company I'm making payments to. I really don't see where else they could find money given my situation. All answers are appreciated, thank you!""
Can  I get insurance for an R-title (salvage title) vehicle?
I'm thinking of purchasing an R-title vehicle from a friend. This is someone I know and trust; and I've personally inspected the car thoroughly. He bought it from a dealer specializing in R-title cars. The car was in a minor flood, but did not require much work according to the dealer. The car has no apparent rust, runs fine, etc.    The car is worth under $5k, so I'd only want to carry liability insurance on it, no comprehensive or collision. Am I going to have a hard time getting insurance on this car? Our insurer is Nationwide; I've been a customer of theirs for 20 years, and have many vehicles insured with them. (I'm not sure if my history with the company will make a difference).    Any advice is appreciated.
What would health insurance catagorize a house call as?
I was on vacation, and got very sick. Small rural area, options were low, so the concierge referred Mobile physician housecall care to the hotel room. they did not take insurance, but told me to submit it to my insurance. I don't know what to put on the claim form??? not an office visit...E.R.? urgent care?? help please...thank you""
What would car insurance be for a 17 yr old male?
I know that there's no exact answer unless I get an insurance quote but I'm just looking for a rough estimate, I get good grades and I have no tickets.""
""Car insurance, Am i being Ripped off?""
so Im 18, and my brother is claiming that my dad has been ripping me off on car insurance for the past year since Ive had my 99 coralla, its a beat up car. I pay $70 a month, where my brothers gf is only paying $10, I have only liability, we are with country financial or whatever and Im under my dad, and my dad has three cars with them, so his insurance is like 30+ for full coverage each car. So is 70 bucks justifiable for me or is my dad lying to me, i never seen the bill, ive always have given him money when he told me to give it to him. (i do understand that my age causes my insurance to go up) im just curious before I confront him.""
I hit my son's car! (Insurance question)?
I accidently hit my son's car in the driveway. We have seperate insurance policies, but use the same agent. At first the agent told me my son's policy would cover the accident and pay for my son's car but I would have to pay for my deductible. Fine, sounded fair...and I was told don't file a police report. Now I have been given several different excuses as to why my son's car cannot be fixed. First I was told I own his car. Not true!! and we have different insrurance policies, then I was told we have the same policy..WE DO NOT! Then I was told you can't collect if the person is a relative at your residence. What is going on! This is a WELL KNOWN insurance company and we are shelling out big bucks for these policies. Any insight or advice.""
True or false? I can save money on car insurance by choosing a higher deductible?
True or false? I can save money on car insurance by choosing a higher deductible?
I need to get rid of my car because the payments are way to high and insurance sucks?
I bought a 2003 Toyota Avalon a little more than a year ago from a dealer. I put 7000 dollars as a down payment and now am paying 240 a month for 60 months. Its getting kind of hard to pay off the car now with all of the costs going up. The total price of the car was 15000 and I got a bumper to bumper warranty for 5 years/100,000 miles when I bought it at 35,000 miles. The car now has 54.000 miles. How do I trade it in for a car that would cost me less than 200 a month Thanks""
""I am looking for a good,affordable place to rent out to throw a party.In sacramento and surrounding areas?""
Does anybody know a good place.I just want to have fun and make sure people are safe ,but at an affordable price ?""
If my camera is in my car and it is stolen will my auto insurance cover it?
If my camera is in my car and it is stolen will my auto insurance cover it?
I hit a dog last night with my car what should i tell my insurance company now that its the next day?
I don't care about paying a deductible just need it fixed asap so I can get back on the road damages will cost to much to pay on my on
LIFE INSURANCE AGENTS ?
hey, I was wondering what company would give life insurance to a 52 year old male, avid smoker, avid wine drinker, 185 pounds, and about 5' 6 ish? Or where should we look for it? thanks""
How do I become a 220/440 insurance agent in FL?
How do I become a 220/440 insurance agent in FL?
How come people drive without insurance?
how come you hear about people driving without car insurance? surely they cant have a tax disc either?
Why does the political left compare obamacare to car insurance?
car insurance is to cover the other guy, people often have liability only which give no personal coverage whatsoever!!! ca""
Would a 1972 Monte Carlo be expensive to insure?
Someone said it may be expensive to insure this kind of car. Could he be referring to just this one particular car or all muscle cars from the early 70's? keep in mind i am 18 years old if that makes any difference.
Good dental insurance?
I am looking for a good, yet inexpensive dental insurance company...Any suggestions? I live in cali, if it matters""
Why are these insurance policies so different??
I'm currently insured on Yes insurance for a 1.1 litre peugeot 206... I want to change to a 1.8 ford focus and after ringing up the insurers, they claimed it would be an additional 700 on top of my current policy. (if i took out a new policy, it'd be 1800) I then got a whole new quote for elephant.co.uk, who quoted me 900 from new. both are on thid party fire and theft, and both have exactly the same details. Why the 1000 difference?? even on my current insurer who i have been with for 3 months already? thanks""
Mustang GT car insurance?
Hey in 16 and im looking at buying a 1994-2005 Mustang GT. I like working on cars and this car seems to me an awesome car to work on. I just wanted to know how much people pay for insurance with a mustang GT. Also how much more would it cost because i am 16.
Which Term Life Insurance Company to Choose and what term is best?
For a 48 year old lady. Agent is pushing North Western. Looked at some data. NW is rated okay. But their mortality margin is lowest at 14.09% in comparison to AIG's 73.07%. Huge difference. NW pays highest dividend to policy owners. Last 5 years average was $4791/year as against $1000 for AIG or MetLife. In general which company is better? Which is lowest in cost? What term? 20 or 30 years? I can always reduce the amount insured and extend the period. Thanks in advance for your answers.
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.
Will criminal record ( petty theft) effect my car insurance?
Will criminal record ( petty theft) effect my car insurance? My husband who does my car insurance doesn't know about my pending criminal charges. Will he find out when he will renew my insurance? Or any another consequences? ( I'm stay-at-home mom so I won't be applying for work)
Any cheap motor insurance company for 19yr old?
19yrs old, licence since May '05, planning to buy a Fiat Seicento Sporting (grp. 3), Bradford postcode. I know insurance below the tonne is hard to come by in my circumstances, but any help/suggestions would be be appreciated. Thanks in advance.""
Finding 2000-3000 insurance for young driver?
With my UK license I intend on buying myself a car for university (GOLF or POLO). Being a young driver (19 years old), insurers are less than happy to offer cheap insurances. The best quote I've found so far from gocompare and dozens of other websites are Quinn Direct with 3800. Could you please suggest where to get cheap 3rd party insurance, you're welcome to mention other car models if it helps cheapening it. Thanks""
Question about car insurance?
Is car insurance cheaper the older the car is or is it the other way around?
Have I been ripped off? Car insurance?
Need a bit of help! I recently turned 18 and passed my driving test I drive a c1 and I paid 3060 for my car insurance this is with a black box fitted! I don't know if this is bad or good?? Considering I am being monitored?? Please help
What would happen with my insurance company?
I hit a car 10 months ago. The guy said I didn't have to pay for it because he said the car was a piece of crap. So no reports were filed or anything. 1 month after the accident, he wants the car fixed. What would happen if I called my insurance and told them this? Would my rates rise? Would I pay extra fees? Would my insurance still cover it? I live in California and have Farmers and I am under 18""
Can  I get insurance for an R-title (salvage title) vehicle?
I'm thinking of purchasing an R-title vehicle from a friend. This is someone I know and trust; and I've personally inspected the car thoroughly. He bought it from a dealer specializing in R-title cars. The car was in a minor flood, but did not require much work according to the dealer. The car has no apparent rust, runs fine, etc.    The car is worth under $5k, so I'd only want to carry liability insurance on it, no comprehensive or collision. Am I going to have a hard time getting insurance on this car? Our insurer is Nationwide; I've been a customer of theirs for 20 years, and have many vehicles insured with them. (I'm not sure if my history with the company will make a difference).    Any advice is appreciated.
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