#just pay 20% now and the remaining 80% on the possession of your home

[jim-fetter-illustrations]

We are entering a period of feudalism similar to the Dark Ages!!

Ya know,.... when ya think about it, and know your world history,.... Democracy is just repackaged feudalism that use to be the reality, and then they started to call it Democracy with more human rights so people would think they had a say in things, but it's still basically still feudalism capitalism.

It's when "Have-it-alls" and "Well-to-doers" don’t want to share any of it,...... feudalism!

Ya see, and don’t we see what is going on around us?

The 'have-it-alls' and the 'well-to-doers' don’t give a damn what is happening in society…This is the way they want things now. It could be the end of the world for human and civil rights of the individual, but to the likes of them, they aren’t bothered by any of that, because they got theirs and they want to keep it, so they are making sure you don't get yours is what's going on.

Anyway that's the way I see things unfolding.

The world "we all made" is being gentrified by billionaires so they have the upper hand while we the people pay Homage to these feudal lords of power and wealth,... I mean look around, everything keeps going up, costing more, and our wages are kept at a minimum so we can just barely get by and remain literal slaves of finance so we can just pay our bills and little more.

Billionaires are keeping that scenario going so they remain in power.

I mean,.....the feudal system of government came about in France in the 8th Century when a number of weak kings had to buy loyalty from nobles. They bought loyalty with land they just took from whomever they had to kill to get it. When the Duke of Normandy conquered England in 1066 he confiscated all lands and then distributed them to about 200 elite barons and nobles who had supported his invasion.

Each elite kept between 200 to 350 knights to defend his land and possessions, along with the help of about 10,000 peasants living as “sharecroppers” and renters on their land. Peasants could not freely move from one elite owner to another. Knights were often given land and supervision of peasants to maintain their loyalty. Huge castles and Downton Abbey-like homes were the courthouses of the “counties” owned by the elites of the century.

That system lasted until revolutions in England, Europe, and America destroyed the remnants of feudalism and brought some aspects of democracy to government. The absolute authority of kings was finally challenged and defeated by the New Americans, who killed off and enslaved the native indians to get their own nation,.... just like the kings of Europe did.

Now FAST FORWARD, The United States, because of income inequality, is entering a period of feudalism similar to the Dark Ages. The bottom 80% can no longer afford to live in or close to many cities decently. The top 20% have to spend more for security as desperate people succumb to drug addiction and theft to support a habit and themselves in a feudalism created society.

And most just try to ignore it, hoping it will go away on it's own, ......... and it won't, it isn't!

Sooooo,... Just who are the kings, barons, knights, and peasants now?

The Best Congress Money Can Buy has been bought since a Republican Supreme Court decided in the Citizens United case that money equals “free” speech, thus unleashing a tsunami of political campaign money.

My rent and cost to live goes up every year, and yet the government tells me the economy is doing so well my Social Security cost of living increase will be LOW this year?!?!

In essence,....The king telling the peasant to be thankful that he's not punished for his insolence towards the governing barons..........Lol

I can only guess that the rest of you are doing just great financially, because you keep voting to keep this Democratic repackaged feudalism to continue by continuing to vote for the two party corruption, which is Democratic and Republican Barons.

That's the gist of my conjecture anyway, and with it and $6 dollars you can buy a cup of coffee!

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[brandoncarlo]

Hockey Horoscopes

March 21st - April 19th - The Captain 

at the end of the day The Captain only has one job that’s written down -- talking to the ref. Don’t like a penalty? Don’t like a missed penalty? don’t agree with a no goal call? well you literally can’t change their mind because it’s almost against the rules for the refs to do so, but you get to be the one to yell at them about it anyway. Are you actually a good leader? maybe. but it doesn’t matter. for you it’s about yelling. and making sure the rookies have their names written on their lunchboxes. 

April 20th - May 20th - The Selke Winner

A player who wins the Selke will always be underrated. They could win the Hart and they’d still be underrated. Why? Because they fucking score and play defense? literally no other type of player does this. Is being relied on like this stressful as hell? sure but someone’s gotta do it. In some ways you enjoy it. Yeah it kind of sucks but at least if you’re doing it, you can try not to fuck up. No one else is trustworthy enough.

May 21 - June 20 - Trade Bait

A lot of the time the team doesn’t even want to trade you they just really want a first round pick and your name gets stapled to whatever package is being sent for it. Which team will you be on next month? who knows but jerseys are really expensive and you pretty much have all of them at this point, that’s just good economics. Someone who is trade bait has inherent value that’s proven over and over again but this can end up making you feel more like a possession than a person and you constantly struggle with your identity and your concept of personhood because of it.

June 21 - July 22 - The Bro

Summers are for fishing, golfing, dogs, and posting shirtless pics to instagram. Can real life have homo erotic subtext? ask the picture you posted at 5 am this morning of you messily hanging over another player on someone’s boat. Some think you don’t take your work seriously but of course you do because how else would you buy all your snapbacks? They’re not cheap these days. Do you bank on people finding your personality overexaggerated and a little fake as a way to keep them from knowing and therefore judging the real you? Probably. but hey, you’ve only been traded twice for off ice conduct and you haven’t had a scandal in three months. you’re doing fine. 

July 23rd - August 22 - Good Ol’ Canadian Boy

Remember that time you yelled at an old lady in the grocery store? Doesn’t matter cause literally no body else does. You’re good boy image has done that for you. All you gotta do is say the same three things in every interview and all the 40-80 year olds who watch hockey will love you and at the end of the day, that’s 90% of people who watch hockey so you’re good. Does your lack of individuality and the constant pressure for you to be The Savior wear on you and cause you to make impulsive and stupid decisions? Oh for sure, but no one will hold it against you. or maybe they will. Your life is kind of just like an exciting game of reputation roulette. 

August 23rd - September 22nd - 4th Line Enforcer

No one has to ask you to bloody your knuckles for your team, you’ll do it any day of the week. Your teammates all love you, they fetch your food and drinks for you. They clean up your locker for you and your goalie even lets you score during practice. You just can’t shake the feeling though that people do nice things for you as part of a transaction where you pay them back by beating the shit out of any guy that takes a run at them. You protecting those you’re closets with is of utmost importance, and you know they appreciate it. But you also know at the end of the day loyalty can only go so far and when it comes time for your GM to trim the fat off the salary cap, you’re first to go. but hey, during your first game back that rookie you took under your wing who’s now a full grown man will make eye contact with you, and for a split second you’ll remember why all of this was all worth it. 

September 23rd - October 22nd - The Lone American

Maybe you’re patriotic or maybe you couldn’t give a shit but the truth remains that you are alone on a team in the middle of Alberta with 99% canadians. Your only confidant is your finnish d partner and the video review coach’s assistant, Jeremy, who just graduated from UMich and even he  says “about” funny. Because of this you take every opportunity to repeat the miracle monologue and you insist on stopping at every dunkin donuts you come within a 50 mile radius from. You’re not used to being the odd man out but now that you are, you find that you are almost regretfully being proud of something you previously didn’t connect with. Did you know all the lyrics to the anthem before? nope but now you do if only to sing along loudly enough to piss off everyone else on the team plane wondering why you’re standing in the aisle with your hand over your heart. You may need to stop defining yourself by the things that make you different from others, before you sever the bonds completely. Until then, do you believe in Miracles? YES!

October 23rd - November 21st - The Rat

The Commish has you on speed dial and your coach made a soundboard so they didn’t lose their voice yelling at you all game. You spend your free time studying the greats, the founding fathers of trash talk. Being the one everyone loves to hate has become so much your identity that you may forget every now and then that you’re not just an entertainer, you’re a person. In between making cooing noises at opponents and criticizing hair cuts of your teammates try to say one genuine thing. Just at all. Before you lose yourself entirely in the persona.

November 22nd - December 21st - Second Line Centre

Sure people usually follow up your name by saying “...makes how much?” but you’re worth it goddamnit. Not everyone lead the league in playoff goals in the 2014 season even though your team didn’t win that year RIP. Despite doing your best at every turn you never can seem to really please anyone. You’re stuck in the shadow of someone you consider a life long friend and have to constantly surround yourself with good people and good words to not grow to resent your space. Those who like you, like you for your easiness and your work ethic. But remember, there’s nothing wrong with an over celebration and patting yourself on the back every now and then.

December 22nd - January 19th - The Vet

Welcome to the big leagues kid, work hard and you may find a home here... is what you usually say to others when they enter your locker room. You care and you take things seriously because that’s just the right thing to do. But you also can realize the importance of real life over a game you play for money. Your head is on your shoulders and you have a life time experience under your belt and you aren’t even 50 yet. So that’s pretty cool. But as one chapter ends and another begins, don’t forget what excitement and exhilaration feel like.

January 20th - February 18th - The University Graduate

Sure a lot of your teammates went to school, the american ones mostly, but almost none of them actually got their degree. Why should they? they’re making bank. Unfortunately for them but mostly you, they’re all fucking dumb jock meatheads and make fun of you for reading. You only got your Bachelor’s with a straight B average, but these guys make you feel like you got your PhD when you were 17. “You went to Harvard?” They ask in awe, as if you didn’t get in solely on your athletics scholarship. Try not to let your own academic success get to your head though, Kindness and compassion are a lot more valuable in the long run and you’d be surprised by what dumbass jocks have to say. or probably not. but i’m trying to make a point about how academia does not equal = intelligence. to again make another point about how when we’re surrounded by people with different values than us we may begin to feel superior when really we should take the opportunity to learn from them as much as they learn from us. this is all fun and games folks.

February 19th - March 20th - Almost Joined a Punk Band

None of your tattoos are lions or include your own last name/family crest, you’re too original for that. As a kid you used to dream of being on a stage more than you dreamed of raising the stanley cup, but hey in world juniors you scored an OT goal and got to play air guitar as your celly so it’s kind of the same thing. Your parents were iffy about you playing a sport with the same type of kids who would have bullied you in high school but you stand on your own. But you made friends by teaching your teammates how to play the guitar. So sure you’re the odd man out but people like you. and you know what it’s like to be judged, so your open minded attitude draws people to you naturally. Just make sure you don’t trust too much because that open and creative attitude can turn into you being jaded, washed up, and wishing you actually did join a punk band insted.

[hollywood-vintageita]

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[gospelmusic]

Catholic Daily Reading + Reflection: 29 November 2020 - First Sunday Of Advent

Readings at Mass for Sunday November 29, 2020

FIRST SUNDAY OF ADVENT YEAR B: Advent is the season that begins the Liturgical Year. It originated in the early Church as a short period of intense preparation for the celebration of the nativity of the Lord on December 25th. Advent slowly came to be structured into four Sundays with proper readings and prayers. This season is marked by devout and joyful expectation as we recall the first humble coming of the Lord at Bethlehem. At the same time, we are invited to direct our mind and heart towards Christ’s final coming in glory at the end of time. Vestment: Violet Today’s Rosary: The Glorious Mystery MINNA: Tomorrow is the 24th anniversary of the Episcopal ordination of Most Revd Martin Uzoukwu, 30th November, 1996. Theme of the Sunday: The Vigilant Wait: The Advent readings invite us to be vigilant, to be ready to receive the Lord who is coming. The first reading says God is “father” and “redeemer”. Nobody is so enslaved by sin that he cannot be freed and “redeemed”. Today’s gospel tells us that the “redeemer” comes, but we have to be vigilant. Those who sleep will remain slaves to sin, and will not be ransomed. The second reading is also on this theme: the Christians of Corinth are held up to us as examples of vigilance. (adsbygoogle = window.adsbygoogle || []).push({});

Entrance Antiphon Ps25:1-3

To you, I lift up my soul, O my God. In you, I have trusted; let me not be put to shame. Nor let my enemies exult over me; and let none who hope in you be put to shame.

Collect

Grant your faithful, we pray, almighty God, the resolve to run forth to meet your Christ with righteous deeds at his coming, so that, gathered at his right hand, they may be worthy to possess the heavenly kingdom. Through our Lord. .

FIRST READING

”O that you would rend the heavens and come down.” A reading from the Book of Isaiah (Isaiah 63:16d-17;64:13b-8) You, O Lord, are our Father, our Redeemed from old is your name. O Lord, why do you make us err from your ways and harden our heart, so that we do not fear you? Return for the sake of your servants, the tribes of your heritage. O that you would tear the heavens and come down, that the mountains might quake at your presence! You came down, the mountains quaked at your presence. From of old no one has heard or perceived by the ear, no eye has seen a God besides you, who works for those who wait for him. You meet him that joyfully works righteousness, those that remember you in your ways. Behold, you were angry, and we sinned; in our sins we have been a long time, and shall we be saved? We have all become like one who is unclean, and all our righteous deeds are like a polluted garment. We all fade like a leaf, and our iniquities, like the wind, take us away. There is no one that calls upon your name, that bestirs himself to take hold of you; for you have hidden your face from us, and have delivered us into the hand of our iniquities. Yet, O LORD, you are our Father; we are the clay, and you are our potter; we are all the work of your hand. The word of the Lord.

RESPONSORIAL PSALM Ps 80:2ac and 3b. 15-16a.18-19 (R. 4)

R/. O God, bring us back; Let your face shine on us, and we shall be shaved. O shepherd of Israel, hear us, enthroned on the cherubim, shine forth. Rouse up your might and come to save us. R. God of hosts, turn again, we implore; look down from heaven and see. Visit this vine and protect it, The vine your right hand has planted. R. May your hand be on the man at your right hand, the son of man you have confirmed as your own. And we shall never forsake you again; Give us life that we may call upon your name. R.

SECOND READING

We wait for the revealing of our Lord Jesus Christ. A reading from the first Letter of Saint Paul to the Corinthians (1 Corinthians1:3-9) Brethren: Grace to you and peace from God our Father and the Lord Jesus Christ. I give thanks to God always for you because of the grace of God which was given you in Christ Jesus, that in every way you were enriched in him with all speech and all knowledge—even as the testimony to Christ was confirmed among you—so that you are not lacking in any spiritual gift, as you wait for the revealing of our Lord Jesus Christ; who will sustain you to the end, guiltless in the day of our Lord Jesus Christ. God is faithful, by whom you were called into the fellowship of his Son, Jesus Christ our Lord. The word of the Lord.

ALLELUIA Psalm 85:7

Alleluia. Let us see, O Lord, your mercy and grant us your salvation. Alleluia.

GOSPEL

“Watch therefore—for you do not know when the master of the house will come.” A reading from the holy Gospel according to Mark (Mark 13:33-37) At that time: Jesus said to his disciples: “Take heed, watch and pray; for you do not know when the time will come. It is like a man going on a journey, when he leaves home and puts his servants in charge, each with his work, and commands the door keeper to be on the watch. Watch therefore — for you do not know when the master of the house will come, in the evening, or at midnight, or at cockcrow, or in the morning—lest he come suddenly and find you asleep. And what I say to you I say to all: Watch.” The Gospel of the Lord. Prayer of the Faithful Stay awake PRIEST: My brothers and sisters, God our Father wants us to be sensitive to his nearness at all times. Let us pray today that during this season of Advent, we may always stay spiritually awake, conscious of his abiding love for us (adsbygoogle = window.adsbygoogle || []).push({}); READER: For the Church and her leaders, (Pause), that they may be more and more aware of their unique mission in our world, and so strive to serve mankind by reflecting Christ in all they say and do. (pause) We pray to the Lord For world peace. (pause). That those in charge of political affairs may always be conscious that true justice is based on man’s dignity, whatever his race, colour, creed or social position. (Pause) ,We pray to the Lord. For those who are oppressed because of what they believe, (pause) that, in all the trials which befall them, they may never lose faith and trust in God’s loving care for them as a Father (pause) .We pray to the Lord For an increase of faith in our community, (Pause). That we may put our trust in God our Father, so that the Lord Jesus may find us watching and ready, at his Second Coming. (Pause) We pray to the Lord Lord hear our prayer we pray Oh Lord. We pray to the Lord, in silence, for our own needs. PRIEST: Father, we make our prayer to you in Advent, that by staying awake in faith and love every moment of our lives, we may prepare ourselves for the Second Coming of the Lord. Through Christ our Lord. Amen

Today's Reflection

The season of Advent is a period of preparation for the birth of the Messiah. It has four Sundays. The new liturgical year begins in the church. We are called to prepare for the coming of the Lord. It is certain that the Lord is coming but the day or the hour is not known. In the gospel passage of today, Christ tells us to be watchful and alert. We are to stay awake and watch for his coming. We should live in such a way that when he comes, he should not find us wanting. He should find us doing what he commanded us to be doing: loving God and loving one another; living holy/ righteous lives. May he meet us doing our Christian duty when he comes. May he meet us ready to welcome him whenever he comes, since he will come “like a thief in the night”.

Personal Devotional,

MY SPIRITUAL CHECK-UP IN ADVENT There is no better time than now to have a spiritual cheek-up for our souls as we prepare for the coming of Our Lord this Advent Season. The idea behind this exercise is to re-examine ourselves, and make amends with God and put ourselves alright with Him. When you go through this, remember it is designed to expose grey areas in our souls. This SPIRITUAL CHECK-UP IS ABSOLUTELY FREE unlike your medical cheek-up. This exercise will be within the four Sundays of Advent, kindly avail yourself and your family of this opportunity. USE THE FOLLOWING LISTS AS GUIDE TO EXAMINE YOUR LIFE BEFORE THE LORD. Please, take each one slowly and meditate on it carefully. 1. CHEATING - Did you get anything from anyone unfairly? Does someone know or suspect that you cheated to pass an important test or exam? Did you rob someone of their fair share of praise or pay for a job? (Jas. 5:1-4; Mal. 3:5; Deut. 24:14-15; Jer. 22:13; Job 31:13 2. HINDRANCE - Have you destroyed another's confidence in you by needlessly taking up their time? Have you prevented them from doing God's work for yourself? (Eph. 5:16)  3. HYPOCRISY- Did the life you lived before some people make all you said of Christ and His gospel a lie? Have you said one thing and done another? Were others turned from God by your life that declared to them your hypocrisy? (Matt. 6:5-6; 7:3-5; 23:28; Rev. 3:15-16)  4. STEALING - Can you remember taking money for property that was not yours? Did you steal from neighbors, relatives, shops or stores, school or home? (Ex. 20:15; Eph. 4: DIAGNOSIS If the Holy Spirit shows us our sin, we must go back to the cross where the Lord first met us. We see the Lord Jesus once crucified - for that sin - bearing our penalty. Our sin nails Jesus to the cross all over again. We tear open His wounds and make His redemption a mockery. Walk out into the light of reality. Drop your self-deceit and face this sin for what it really is. Turn from it, from your heart. Take sides with God against it,- resolve in your heart NEVER to go back into that sin again. MEDICATION OR SURGERY NEEDED? Note that, "If we confess our sins, He is FAITHFUL and just to forgive us our sins, and to cleanse us from all unrighteousness."(1 Jn. 1:9) Will you go to your gracious and loving Father as a little child and humbly ask His forgiveness? The LORD is merciful and gracious...He has not dealt with us after our sins, nor rewarded us according to our iniquities; “For as the heaven is above the earth, so great is His mercy towards them that fear Him; as far as the east is from the west, so far hath He removed our transgressions from us." (Ps. 103:12) Let Us Pray (Please go down on your kneels and pray for forgiveness) "Oh God, You know my foolishness, and my sin is not concealed from You...please pardon my iniquity, for it is great...If you, Lord, would mark iniquities, who shall stand? But there is forgiveness with You, that You may be feared." (Ps. 69:5; 25:11; 130:3-4) look with pity on me, your humble servant, and have mercy in Jesus name. Mary my dearest mother pray to Jesus for me.

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Follow us on social media: Facebook: @hottestnaijadotcom Twitter: @wherehot Instagram: @hottest9jablog Click here to take a look at our posts on gospel music download or click this link to see all posts that include gospel music lyrics You may also like our gospel worship songs page which contains, the best, coolest and hottest Nigerian Gospel Songs, and Foreign Gospel Songs. Whatsoever is the mood, we've got you covered. Do you feel like dancing, rejoicing, shouting, screaming, or you're filled with jubilation because of the Mighty things the Lord has done? Then look no further, cos our gospel praise songs page, containing the hottest Nigerian and foreign praise songs collection, was prepared specifically for you. Peradventure you need the lyrics of the songs you are downloading now, just downloaded, or have downloaded before, our lyrics page is the best place to look. What more could be more helpful and entertaining than seeing the lyrics of your most favourite song before you, as the music unfolds unto the climax. Hey we've been there before, and still encounter it from time to time when the vocals get lost in the cloud of heavy orchestration. Are You a Classical Music lover, our classical music page, contains the best of classical songs, composed and written by composers like G. F Handel, Bach, Joseph Haydn, etc. As you listen to your best gospel song, you may also want to get some more insight and knowledge about the word of God, from eBooks written by God's servants, or you may want to learn something new or build yourself up in some way. Then our eBook Page is the right place to look. You may be in need of entertainment, and probably want to watch a video too. We understand that as well. You can get entertaining music videos from our videos page.

[funnydove-blog]

It’s Always Personal: Personal finance

Personal finance can be defined as the manner in which a woman addresses the acquisition, management, preservation, and growth of money and things of value that she personally has access to, receives, or controls. In addition to what are traditionally termed ‘assets’, this also refers to debts, liabilities, and issues of taxation. We’re going to compartmentalize these in terms of acquisition (earning through employment and entrepreneurship, as well as inheritance and windfalls), management (expenditures), and preservation and growth (saving and investing).

Note: I do not give investment advice about which stocks, bonds, or financial instruments to purchase. Likewise, I will not advise on the acquisition of real estate, precious metals, or any other investment class. I will, however, offer thoughts on how to think about investing, which is very different.

How these issues of acquisition, management, and preservation and growth are considered is a very individual process: how you approach them will depend greatly on your own financial situation, your personal situation, and your goals. As an example, the approach to personal finance for a 22 year-old college student with a trust fund and a 40 year-old working mother of two on a salary are going to be different. How they’ll look at employment, consider investing, and prioritize spending may be worlds apart. However, the fundamentals presented here remain constant.

As we begin our discussion of personal finance, we must acknowledge that it does not happen in a vacuum. Social and political factors influence a woman’s ability to make, keep, and grow her nest egg. There exists an unjust and unfair landscape that women face in this area, which is often reflected in statistics. For example, while women control over 80% of the decisions made regarding consumer spending, they earn 20 to 45% less than their male counterparts in the workplace. Reports vary country to country around the world, but the reality remains: women purchase for themselves and their family members—what some economists refer to as ‘circle spending’, i.e., buying decisions made for their ‘family circle’—yet they remain underpaid.

Despite arguably doing more of the work (at home and the office) and being paid less (on the job, not to mention getting zero pay at home), women around the world still manage to control billions in assets. Day in and day out, they make economic 129 decisions which multinational corporations rely upon for their very existence, not to mention their profits. Day in and day out, women often balance the budget and the checkbook for their families and monitor savings and investment as well.

As the gatekeepers of what does and does not enter the family home, a woman’s choices are pivotal. If a woman decides a product or service is unsafe—for them or their families—the product or service will not sell. It is doomed. Just as we’ve said that you must pay for what you purchase, corporations will also pay for making products that do not resonate with women, are not considerate of women, or that are not approved of by women. Be attentive to the power you as a woman have.

Again, women are the economic ‘final arbiters’ of much of what their children, husbands, and families buy, do, participate in, or avoid. The opinions and choices of women around the world factor heavily into almost every economic indicator or forecast currently in use. Women as a group are the single largest influence on an economy, whether it’s a good influence like savings and investment rates, or a bad influence like consumer debt.

At this point in the 21st century, women enjoy more rights, privileges, and opportunities than at other time in history. Gone are the days when women were completely dependent on men for information, opportunity, protection and survival. Women now have the option to work outside the home, start a business, own property, influence the economy, and gain or retain any level of financial independence they choose.

This fresh, new generation of women is stepping into entrepreneurship, embracing and driving innovation. As they do, a new wave of businesses with women-centered values and ideas is emerging. These businesses more accurately address women’s needs, desires, and pain points. These businesses are more likely to be sustainable, organic, cruelty free, and toxin free.

Historically overlooked and underfunded in venture capital circles, women are now in financial positions of power. Most women know that 80% of the products they purchase are designed, built, and sold to women by men. They also know that this can, and must, change.

Remember: all you need is a vision, a commitment to hard work, access to some resources, and a little bit of luck. You may not make a million dollars, but you could make two, five, or ten million. Saved and invested wisely, proceeds from your job or business can provide you with options. And options are one of the most important things you can have in life. Don’t sit and wait for opportunities to improve your financial situation. Rise up and create them for yourself. Forget ‘leveling the playing field’. Today’s ‘playing fields’ have been created by men and are coded for men. Create your own. Think entrepreneurship.

I’m sharing all of this with you prior to a discussion of ‘personal finance’ in order to alter your perception of yourself. As I mentioned in the Introduction, you are the one who earns, manages, spends, and invests your money. You may be at a disadvantage in some instances, but you are not a victim. You are not helpless. You are in the driver’s seat. Make no mistake about it: in a capitalist society, money is power. While you may be reading this and be under a mountain of credit card or student debt, you can turn your situation around with the application of some personal finance fundamentals. All it takes is some awareness, some choices, and some time. Throughout these chapters, I’m going to ask you to constantly remember the Old Money Order of Things when it comes to personal finance: Plan. Earn. Save. Invest. Spend. Emblazon these words upon your retina. Each step is important, and the order of each step is important. One step at a time.

DECLARATIONS OF INDEPENDENCE

Let’s get a handle on the often-discussed concept of ‘financial independence’. It means different things to different people, but there are some common benchmarks that we can establish. These benchmarks will help you understand where you are presently and chart where you want to be in the future. These benchmarks have corresponding levels of ‘independence’—options or choices you do or don’t have.

When you see ‘financial independence’ in these terms, you will be more inclined to make choices with your money because money will become not something you use to purchase things, but a tool you use purchase your freedom. Here are the three basic, broad categories of financial independence and the freedoms associated with each:

Minimum Independence: If you only have enough money to make it through the end of the month, your independence is limited: you have to go to work, even at a job you don’t like. The people you work with may be jerks and the work you’re assigned awful or boring, but you feel obligated because you have to honor your commitments and 131 pay your bills. In this situation, you may not fulfill your potential and end up feeling less than fantastic about yourself.

Intermediate Independence: If you have enough money in savings to pay the rent and eat beans for 6 months to a year, you have more freedom, especially if you get laid off or want to start a business in your living room. If someone mistreats you at work, you can stand up to them confidently, litigate, and/or leave. You can seek and wait for a job you really like. You can take a job that doesn’t pay all that well, for a period of time, knowing that you have a pad of cash to cushion you as you move forward to your goal.

Optimum Independence: If you have enough money to live the rest of your life without working for a paycheck, you have a maximum amount of freedom, a multitude of options. Ironically, to be happy, most of the options you’ll consider will involve work. The big difference is that you get to choose the work you do, and it will probably be the work you love to do.

You can probably imagine or have experienced first-hand the Minimum and Intermediate stages of financial independence. It may be helpful, though, to get a picture of the Optimum. So let’s do that quickly.

As a woman of independent means, you have the opportunity to do work that is rewarding—personally and financially. When you find this, you at work will resemble a child at play. You will wake up excitedly looking forward to your day and eagerly anticipating all that it holds. You’re ready to do your work joyfully and, when the end of the day comes, you will only reluctantly set it aside to get some rest and get something to eat. It may or may not make money, but you will be living and working ‘on purpose’ as psychologists say. And it will feel good. This describes the daily life of a woman who is financially independent.

She has a purpose in her life, which she actively works at. She has her spending under control. She has her investments working for her, providing an income she can live on. This is ‘passive income’, a concept we’ll discuss in more detail later. This is true freedom. This is the target to aim for.

Note: if you see a woman who has a great deal of money at her disposal, but she’s never satisfied with the amount of material possessions she has, she is actually impoverished: she constantly needs exterior reinforcement—a new purchase—to feel good about herself. Don’t envy her. She’s suffering. So forget her. Let’s focus now on the Old Money Gal’s financial priorities: financial freedom through the acquisition of 132 money and things of value, the management of your money, and the preservation and growth of your wealth.

[alliance-recruitment-agency-blog]

Oil And Gas Headhunters - Oil Gas Jobs And Rig Jobs Is Training Required?

The prices of gasoline or petrol increase daily, wherever you live in the planet. The associated with a barrel of oil has quadrupled since the key of the millennium. It went from about $20 a barrel to almost $80 on these days.

Image Source:

Headhunter Oil And Gas - If You Do Not (Do)OIL AND GAS HEADHUNTERS Now, You Will Hate Yourself Later

It's straightforward to need to alternative associated with energy in this context. The idea of using solar panels or biomass heating may seem like something much more really only ever usually useful to find a minority folks. Why would most of us ever think about making use of those options?

Image Source:

Oil And Gas Headhunter - The Truth About OIL AND GAS HEADHUNTERS In 3 Minutes 

The second thing to consider for are some basic grammar and spelling troubles. These errors might very minute but a person is sending communication about such important topics like oil jobs and oil and gas headhunter, it is fairly a due to the fact they shouldn't make these mistakes. Realizing what's good need to start through shape of the solution very carefully and watch out for result.

Video Source: 

Oil And Gas Headhunting Services - 5 Secrets: How To Use OIL AND GAS HEADHUNTERS To Create A Successful Business(Product)  

Is this the only step that you should be using? Most experts agree that using less energy is also vital. Might possibly mean having showers compared to baths, or thinking about how precisely exactly many appliances you leave on stand by.

Hire Best Oil And Gas Headhunters - The Ultimate Guide To OIL AND GAS HEADHUNTERS  

Scoff Facing Disaster - Just ask people who lose their properties in tornadoes or hurricanes, losing the whole sized home in a disaster can be extremely unfortunate. Not only do you lose your worldly belongings, but you also take a sizable financial hit, especially if you do not have home insurance that will take care of such thinning.  Any loss is hard, but at least this sort would be considerably easier an extra chance from. Imagine as well the chance to hook the house up along with vehicle and move it to safety if needed.

Generally, employers offer a beneficial remuneration package to potential and worthy candidates. Lessons may include a housing allowance, health care benefits and allowance towards children's education, money for annual trip home any Required Oil And Gas Headhunters other such positive aspects. While you are considering a job offer, do not forget- housing and schooling in Dubai are expensive. So, any job offer that pays each would make you save a whole lot. Then, all you need to do is to weigh it in relation to its number of hours likewise let need become worked 1 week to make a decision whether the sale is acceptable or possibly not. 

When seem at the cost of entertainment oil during year, you see it went from $70 a barrel June 2007 to $140 a barrel in June 2008. Going Need A Oil And Gas Headhunters through the cumulative impacts of the opposite six reasons why you are the increased price, consider does in which sense. During the 1990's internet stocks could double everyday. Recently, housing prices could double in a couple of years. Did the prices for internet stocks and home prices remain at those elevation?

There can be a fast associated with women doing the male-dominated mining plans. Before, this job is mostly done by men though gender neutrality, things become more even better interesting for female. The fast-growing population of women in this career proves the actual way the labor force have became more advanced. 

It is up to around you to ask about the cash flow. Pensioners, self-funded retirees and then of those who earn lower $60 000 could definitely benefit from ownership of Australian shares and/or managed funds. Check with your accountant or call the ATO regarding RITC. Invest a few minutes of your time and as little as $500 of one's money to help twice (the investment forces you to money, additionally, the ATO anyone money possess fill in the RITC form). Call your favourite investment adviser or Financial Planner to gather more information. Keep Thinking RITCH.

The most rudimentary requirement of oil jobs and oil and gas headhunter is that you carry basic studying. If you have cleared high school you begin your career in the oil industry in an optimistic level. 100 % possible work being a roughneck or roustabout and go about doing drilling and removal. As you gain experience, you offer the chance to go up into the corporate hierarchy and reach supervisor levels.

Were just purchaser any kind of time level any kind of kind of business? Imagine YOU eventually as being a purchaser on an off shore rig. You go to help 28 days straight. Next, you take an excellent vacation for 28 occasions. All the while, you consider home $120,000 a 2010. Are you on the deck with big pipes swinging around? Not on your life. you have a desk inside, with an ocean view, most of your time. Yes, part of the time you may be putting new supplies on shelves, but you'll be keeping ones toes and fingers because purchasing and stocking can be a relatively safe occupation.

There is definitely an oil and gas revolution happening quietly in north america and occasion spreading around the world. OPEC (the organization in the guts east which works if oil prices up) is scared because China recently discovered major shale oil reserves. Several States in the usa are producing huge quantities of shale oil now and thousands of brand new wells are being drilled everyday.

There is lots of research going on worldwide top solar power and hydrogen power. They'll need to substitute oil, gas, coal and uranium a great intermediate phrase. Photovoltaic, wind power and power from biomass progress briskly. The process of transformation lasts decades. New solutions need time to step fully into the foot prints of oil based.

Do the enough guts to work offshore a good oil platform? The job certainly pays well enough, in spite of the temporary ban, hiring will resume sooner compared to later. Where will you be, when the oil companies start looking for workers again?

Author Name:- Shreya Mehta

Address:- 104 Esplanade ave 120, 

                  Pacifica, CA

Mobile No:- +1 917-668-8461

[emaarimperialgardens-blog]

Emaar Imperial Gardens @@9999913391 @@ Emaar Imperial Gardens Sector 102 Dwarka Expressway Gurgaon

#EmaarIndia #EmaarImperialGardens #EmaarImperialGardensResale #ImperialGardens #ImperialGardensResale #EmaarImperialGardensRentals #ImperialGardensRentals #DwarkaExpressway #DwarkaExpresswayProjects #DwarkaExpresswayHomes #ImperialGardensDwarkaExpressway #EmaarNewLaunch #EmaarNewProject #EmaarGurgaonProjects #3BhkHomes #BrandedHomes #NewHomes #MyDreamHome #NewHomeBuyers #RealEstate #HomeBuyers #LuxuryRealEstate #ReadyHomes #GurgaonHomes #GurgaonRealEstate

 We are Rai Realtors, Authorised Sales Partner of Emaar India for Emaar Imperial Gardens Sector 102 Dwarka Expressway Gurgaon. Call our exclusive sales lines for Emaar India Imperial Gardens Sector 102 Dwarka Expressway Gurgaon +91 9999913391 / +91 9711199708 and we will be happy to assist/guide you right through.

 Final Release at special price>> Now releasing last few units on first-come-first-serve basis. Introducing limited period exclusive price benefits on select units in select towers of Emaar Imperial Gardens Sector 102 Dwarka Expressway Gurgaon. Buy your dream home with us at all inclusive and exclusive pricing. Now Ready-to-Move & Ready-to-Live Homes in Sector 102 on Dwarka Expressway where more than 100 families started living in now. Limited time price benefits and special payment plan for select few.

 If you love nature, this is the place to revel in it and that is Emaar Imperial Gardens. Nestled amongst acres of greens, your home at Imperial Gardens surrounded by theme-based gardens, each with a unique character. Dew Greens inspires you to hit the jogging trail. Pool Greens and Central Greens invite you to refresh your senses. The Courts challenge you to up your tennis and basketball game. The Culture Court amphitheater sets the stage for engrossing shows and performances. Hideout Greens give children all the space they need to make up their own games. The modern Clubhouse and pool recharge your spirits whenever you need. You’re sure to find the perfect spot for your favourite activity or for doing nothing at all. Strategically located on the state highway, off the Dwarka Expressway, it offers excellent connectivity to Gurugram, Delhi and Indira Gandhi International Airport (T3). Furthermore, with a metro line coming up in close vicinity, Imperial Gardens is surely a very well connected community.

 Project Highlights- Stand alone tower option, Select corner units, Efficient floor plans, Dedicated kids play area, Modern Clubhouse with all amenities, Secured gated community, Health Club, Tennis court, Swimming pool, Splash pool for kids, Near junction of major roads.150 meters Expressway and 75 meter and 60 meter wide sector roads, Adjoining 100+acres plotted township, Global Heights, Delhi Public School, nearby

 Most-Demanded Emaar Imperial Gardens Sector 102 Dwarka Expressway Gurugram!! Now Releasing Last few exclusive units with customized Payment Plan and special price benefits!!

All 3 BHK Uniquely-Designed Ready-to-Move Homes Starting INR 1.23Cr All-Inclusive!! Possession offered now, families started moving in, Branded Ready-to-Move Homes on Dwarka Expressway!!

Limited period Exclusive Pricing & Payment Plan for select units in select towers!! Best Price!! Spot Allotment & Confirm Booking on first price!!

 Emaar Imperial Gardens- Project Options & Pricing: (All inclusive pricing and special Payment Plan) Unit Type _________________ Unit Size _________ All Inclusive Price ___ Booking Amount  3 BHK+3T _________________ 2000/2025 Sq.Ft.___ 1.23Cr. ___________ 10% of COP Note 1- Cheque to be drawn in favour of “Emaar MGF Land Ltd.” Taxes Extra. Note 2- Book with only 10% and completed the payment in 90days time, start living in as the property is ready to occupy. Note 3- All Offers, Prices, Payment Plan, etc. subject to change without prior notice & not valid until confirmed by the developer

 Emaar Imperial Gardens- Project Features: • All 3BHK Air-Conditioned Homes, with dedicated utility and Lounge Area • 4 apartments on each floor, with 2 elevators & 2 stair-cases • Book with 10% and pay with special payment plan with home loan support • Strategically located off Dwarka Expressway in sector 102 Gurgaon • Designed to get maximum ventilation and natural light, expansive living areas well ventilated rooms. • 9 elegantly designed high rise towers with approx. 80% open green spaces • Earthquake resistant RCC framed construction with full power backup and 24X7 Two-Tier security • Just 8KM from Delhi border and 20 min drive from IGI airport (Approx. 11KM from IGI Airport New Delhi) • Modern-day amenities & services such as billiards, amphi-theatre, snooker room, squash, badminton & tennis court, swimming pool, jogging track, skating rink, gymnasium, meditation with yoga center, party arena, kids play area, senior citizen area, shopping hubs & schools

 About Emaar- Emaar is a pioneer in shaping skylines and lifestyles worldwide, developing vibrant communities that have redefined real estate. In 12 countries across the Middle East, Africa, Asia, Europe, USA and Canada; Emaar is developing an impressive land bank of over 196 million sq. ft. Emaar’s iconic projects and scale of operations have made it one of the world’s leading real estate companies. In India, Emaar is committed to creating best in class real estate developments that would set unmatched benchmarks in thoughtful architecture, excellent engineering and impeccable execution. Step in to experience the grandeur!

 Download Project Brochure, Site Plan, Floor Plans, Pricing & Payment Plan, etc......

http://www.emaarindiaimperialgardens.com

 For further information and to know the booking process write to rairealtors@gmail.com or feel free to call on +91 9999913391

  Best Regards

 Sales & Support Team

 RAI REALTORSTM

53, First Floor, Vyapar Kendra, C-Block, Sushant Lok Phase-I, Gurgaon 122002 India

Telephone: +91 124 4000869

 Sales/Support: +91 9999913391 / +91 9711199708 / +91 8285108285

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        Important Note: We are Authorised Channel Partner of Emaar India for Emaar Imperial Gardens Sector 102 off Dwarka Expressway Gurugram. Since we are working exclusively on this project, we can offer you special price and payment plan along with all other benefits. Company’s offers/benefits will remain exactly the same plus we follow NO-BROKERAGE-COMPLETE GUIDANCE i.e. In-Depth project consultation, Site Visit Assistance, Home loan guidance and formalities, Booking Assistance and on-demand Post-Sales-Assistance and time-to-time guidance & Support. Prices mentioned above are subject to change without prior notice and properties mentioned are subject to availability. All offers & benefits would be applicable only after it is confirmed/verified by the developer before it can be considered as an offering. We may send regular SMS/Emailer Updates to the mobile number/email id provided to us on this blog/post or registered with us.

   Disclaimer:

·        Whilst the information provided here has been prepared in good faith and with due care, Potential investors are requested to do their own due diligence and satisfy themselves in all aspects of the project before making an investment decision.

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[bharatiyamedia-blog]

Donald Trump govt to ban work permits for spouses of H-1B holders: Transfer will influence not simply Indian techies but in addition US economic system

http://tinyurl.com/y6c4a7hh The Donald Trump authorities has taken step one in direction of banning work permits of spouses of H-1B visa holders. The transfer was first proposed in 2017. In keeping with The Financial Instances, the US authorities issued a discover on 22 Might for the proposed rule that may kick in public consultations to ban the H-4 EAD (Employment Authorisation Doc). H-Four visas are work visas issued solely to very shut or quick relations of H-1B visa holders. It was issued in 2015 by the Obama administration by an government order in order to mitigate the big abilities hole within the US IT sector to be crammed by hiring extremely expert professionals who’re spouses of H-1B visa holders awaiting inexperienced playing cards. The revocation has been beneath evaluate on the White Home’s Workplace of Administration and Funds (OMB) since February.  It’s now for the White Home to take a closing name on it earlier than a proper regulation on this regard is issued and the Division of Homeland Safety can inform a federal courtroom the place a lawsuit on this concern is pending, in response to a PTI report. What does this newest transfer from the Trump administration imply? If this proposal goes by, spouses of H-1B expert professionals who’re given H-Four visas must depart the nation on the finish of their work permits. The H-Four visas are given to spouses of H-1B visa holders and their kids beneath 21 years of age. Since Trump’s election, the H-1B visa has been a focus of debate and has are available in for a three-pronged assault from the Justice Division, Division of Homeland Safety and america Citizenship and Immigration Providers. Representational picture. CNN Information18 Trump who campaigned on an “America First” platform of favouring People for hiring has remained true to his promise by placing in jeopardy jobs and lives of IT professionals from the world over who work within the US. Some analysts have been pragmatic in India concerning the transfer and mentioned that it will not influence many Indians. Just because, says trade veteran TV Mohandas Pai, Indians who’re within the US are extremely certified and so are their spouses. It gained’t be straightforward to search out replacements for them, mentioned Pai. The destiny of 90,000 spouses is in a fragile stability—of which a majority are Indian professionals. The H-1B visa is a non-immigrant visa that permits US corporations to make use of overseas staff in speciality occupations that require theoretical or technical experience in specialised fields. Below the H-1B visa programme, US-based corporations rent extremely expert overseas staff, as much as a most of 85,000 a 12 months. Of those 65,000 are employed from overseas and 20,000 from amongst overseas nationals learning within the US. In February the White Home formally acquired the proposed modifications within the current laws to finish the work authorisation for sure classes of H-1B overseas work visas, in response to a PTI report. Is there trigger for alarm. Not but, says Zeenat Phophalia, affiliate associate, LawQuest that specialises in immigration companies. “It’s too early to say whether or not this may undergo and one should wait and watch”, she mentioned. Nonetheless, Phophalia concedes there will probably be challenges if this proposal goes by. The thought for H-Four visas was to usher in expertise from outdoors to fill within the abilities hole within the US economic system. If the current administration makes that troublesome, it won’t solely influence Indian extremely expert IT professionals inclination to work within the US however extra importantly, additionally influence US financial development. Indian nationals are in demand within the US due to the excessive technical abilities they possess, mentioned an IT analyst. The Indian IT trade is a web creator of jobs within the US and helps almost half 1,000,000 jobs there. In keeping with Forbes, Trump’s administration’s crackdown on high-skilled H-1B immigrants will influence American corporations and the US coverage. The companies supplied by high-skilled Indian IT service professionals have been essential in making the US corporations extra aggressive and rising the nation’s financial development, Forbes mentioned. Opposite to prevalent rhetoric, India-based international IT companies corporations don’t take the vast majority of new H-1B visas. The Indian IT sector acquired round 16 p.c of the 65,000 visas issued final 12 months. The sector will get over 80 p.c of its revenues from the US and Europe whereas the remaining 20 p.c comes from Asia and the home market. The highest 7 India-based corporations acquired solely 2,200 new H-1B petitions for preliminary employment in FY 2018, lower than 2.6 p.c of the 85,000 annual limits for corporations, in response to an evaluation of USCIS information by the Nationwide Basis of American Coverage. Additional, their use of H-1B visas is declining: New H-1B petitions for these high 7 India-based corporations had fallen 43 p.c between FY 2015 and FY 2017. Monster, a world on-line employment resolution, quoted a survey on its website on expertise scarcity within the US. In keeping with IT outsourcer Harvey Nash and auditing agency KPMG’s CIO survey 2018 carried out with over 3,000 expertise leaders, 65 p.c mentioned that US hiring challenges are hurting the trade, in opposition to 59 p.c the earlier 12 months. There’s a ability set hole that exists within the US. There are two methods of bridging this hole—a method is to upskill regionally. One other is to grant a short-term visa for which the H-1B visa is a vital exponent. Nasscom, a commerce affiliation of Indian Info Know-how (IT) and Enterprise Course of Outsourcing (BPO), mentioned it’ll proceed to spotlight the positives of hiring Indian spouses of H-1B visa holders. “There’s a broad admission of the contribution of Indians within the IT trade, of which 75 p.c work with the Fortune 500 corporations and a majority of those are American corporations. They contribute $58 billion to the nation’s gross home product which is far more than the GDP created by six particular person states within the US,” mentioned Shivendra Singh, Vice President and Head—World Commerce Improvement, Nasscom, including that every of those corporations that Indians contribute to will probably be impacted. “Everybody will weigh their points and we [Nasscom] will make a submission. For us, this can be a commerce concern. This is not an immigration concern,” he mentioned. Nonetheless, Mohandas Pai was sceptical if any lobbying would work in India’s favour in Trump’s administration. He mentioned that Trump was making an attempt to curry favour along with his citizens for the re-election and would do all that he can to point out that he’s defending American jobs for People. It’s too early to say how the most recent proposed transfer by the Trump authorities will influence Indian IT professionals within the US although.  An expiry date is but to be decided. !function(f,b,e,v,n,t,s) {if(f.fbq)return;n=f.fbq=function() {n.callMethod? n.callMethod.apply(n,arguments):n.queue.push(arguments)} ; if(!f._fbq)f._fbq=n;n.push=n;n.loaded=!0;n.version='2.0'; n.queue=[];t=b.createElement(e);t.async=!0; t.src=v;s=b.getElementsByTagName(e)[0]; s.parentNode.insertBefore(t,s)}(window,document,'script', 'https://connect.facebook.net/en_US/fbevents.js'); fbq('init', '259288058299626'); fbq('track', 'PageView'); (function(d, s, id) { var js, fjs = d.getElementsByTagName(s)[0]; if (d.getElementById(id)) return; js = d.createElement(s); js.id = id; js.src = "http://connect.facebook.net/en_GB/all.js#xfbml=1&version=v2.9&appId=1117108234997285"; fjs.parentNode.insertBefore(js, fjs); }(document, 'script', 'facebook-jssdk')); window.fbAsyncInit = function () { FB.init({appId: '1117108234997285', version: 2.4, xfbml: true}); // *** here is my code *** if (typeof facebookInit == 'function') { facebookInit(); } }; (function () { var e = document.createElement('script'); e.src = document.location.protocol + '//connect.facebook.net/en_US/all.js'; e.async = true; document.getElementById('fb-root').appendChild(e); }()); function facebookInit() { console.log('Found FB: Loading comments.'); FB.XFBML.parse(); } Source link

[deniscollins]

Cannabis, Marijuana, Weed, Pot? Just Call It a Job Machine

The cannabis industry has become, by some measures, one of the country’s fastest-growing job sectors. Although cannabis remains illegal on the federal level, 33 states now allow its sale at least for medical purposes, ten of them, including California, have legalized recreational use, and as new markets open and capital continues to flood in. Should recreational marijuana use be legalized at the federal level: (1) Yes, (2) No? Why? What are the ethics underlying your decision?

David Dancer is a 48-year-old marketing executive who has worked for big brands like Charles Schwab and Teleflora. A year ago, he got a call from a recruiter for a different kind of company: MedMen, a cannabis retailer that has been called “the Apple Store of weed.” The opening was for a chief marketing officer. He took it.

One of Mr. Dancer’s early projects was a slick two-minute video by the director Spike Jonze that begins with an anecdote about George Washington as a hemp grower, a staple of dorm-room conversation. It concludes with a suburban couple coming home with a bright red bag of legally purchased pot, symbolizing “the new normal” — an ending that, like his own career twist, seemed improbable not long ago.

“It can and should be a part of anyone’s everyday life,” Mr. Dancer said in a recent interview, sounding very much like a man who has been hired to do marketing.

Although cannabis remains illegal on the federal level, 33 states now allow its sale at least for medical purposes. Ten of them, including California, have legalized recreational use. And as new markets open and capital continues to flood in, the cannabis industry has become, by some measures, one of the country’s fastest-growing job sectors.

The jobs range from hourly work at farms and stores to executive positions. They also span the country. Columbia Care, a medical cannabis company that is based in New York and has 500 employees, has indoor farms and manufacturing plants in Massachusetts, Delaware, Florida, Illinois, Arizona and the District of Columbia.

It’s hard to know exactly how many jobs there are in the legal cannabis business. The United States Labor Department collects data from cannabis farms and retailers, but does not provide figures for the industry. Still, listings for cannabis-related positions have rocketed to the top echelon of the fastest-growing-job categories on sites like Indeed and ZipRecruiter.

Julia Pollak, a labor economist at ZipRecruiter, said the company’s data put the number of cannabis jobs nationwide at 200,000 to 300,000. Most of those jobs are on the lower end of the pay scale, consisting of rote agricultural work like plant trimming ($10 to $15 an hour) and “budtenders” (about $25,000 a year), who help customers decide what kind of cannabis they want and then weigh and bag it.

But as the industry expands, there has also been a strong demand for better-paid positions like chemists, software engineers, and nurses who consult with patients about using cannabis for anxiety and other medical conditions.

“The early signs are that this will grow rapidly,” Ms. Pollak said.

A few years ago, navigating the marijuana industry felt like a journey to the fringes of legitimacy. Cannabis-prescribing doctors set up shop in strip malls and record stores, or consulted with patients over brief video chats. Dispensaries were often in barred storefronts, and their employees had to engage in the charade of scolding their prescription-bearing customers if they talked about sharing purchases with friends.

Now cannabis dispensaries occupy brightly lit spaces on prime retail strips that have showcase buds in glass cases and tinctures in small squeezer bottles, along with $80 pot lotions and $20 bars of pot soap. Six months ago, Canada became the first major world economy to legalize recreational marijuana use, and several dozen cannabis stocks — many for companies that are American in all but name but unable to list in the United States — now trade on the Canadian Securities Exchange.

Vivien Azer, a managing director at Cowen in New York, became the first major Wall Street analyst to follow the cannabis industry in 2016. She has since been joined by competitors at Jefferies and Piper Jaffray, and cannabis companies now attend investor events alongside big consumer products companies like Kellogg, Coca-Cola and Procter & Gamble. Ms. Azer projects that the legal United States cannabis market will grow to $80 billion by 2030, a forecast that assumes federal legalization.

Ms. Azer tracked alcohol and tobacco companies, and cannabis seemed a natural extension. “I’m just talking about them as stocks like any other stock that I cover,” she said.

For investors, it’s a two-pronged thesis. The first is that many people like recreational use. The second is that as cannabis becomes more widely used, in particular the strains rich in cannabidiol, or CBD, it is increasingly a therapeutic remedy that people substitute for pain pills, sleep aids and other pharmaceuticals.

The pioneers who brought the industry out of the shadows are being joined by professional managers and executives — “talent,” in corporate speak — who have had careers in other industries. For upper-level managers and executives, companies say they prefer candidates with a background in highly regulated industries like alcohol or pharmaceuticals.

Steve DeAngelo’s website calls him the “Father of the Cannabis Industry” and has a picture of him, smiling, in what pot enthusiasts know as his trademark look of a blue fedora atop graying Willie Nelson braids that rest on the shoulders of his jacket. And there he was in the same get-up on a recent Friday afternoon, standing by a pair of A.T.M.s watching the long line of customers waiting to buy cannabis at Harborside, a cannabis dispensary and farming company that he and a partner founded in 2006 in Oakland, Calif.

Mr. DeAngelo was there to introduce Menna Tesfatsion, his company’s new chief operating officer. Whereas Mr. DeAngelo’s background includes a history of radical politics, interviews in High Times and an arrest for marijuana possession, Mr. Tesfatsion is a lawyer who worked in real estate and property development before getting into the cannabis industry.

“It’s a generational opportunity,” said Mr. Tesfatsion, who was wearing a vest, as Bay Area executives do. “We’re just beginning to scale.”

Mr. DeAngelo said the ability to attract professional managers would go a long way toward determining how well cannabis companies did from here.

“We’re the world’s best experts in cannabis,” he said of the early entrepreneurs. “But we didn’t have much opportunity to learn mainstream business skill sets like finance and compliance and marketing and real estate.”

Eager to shake the image of being high-end drug dealers, cannabis companies have become hypersensitive to anything that sounds unprofessional — hence the insistence on calling the substance cannabis instead of pot, weed or marijuana. Buds are “flower.” Hash is “extract.” Stoners are “high per-capita consumption consumers.”

Bryan Passman, a longtime executive search consultant in Miami, recently started a cannabis-centric recruiting firm. It was originally called The Grass Is Greener Global (The GIGG), but he changed it to Hunter & Esquire because clients told him that they’d prefer he had a more professional-sounding name.

Mr. Passman advises interviewees that if they want to let a prospective cannabis employer know that they partake in the company’s product, they should avoid saying, “I like to smoke pot,” and instead try something like “I have a relationship with the plant.”

The idea, he said, is to be “purposefully subtle.”

Jobs in the industry come with a few caveats. Because cannabis is still illegal from the federal perspective, noncitizens should probably stay away for now, lest they risk their immigration status, Mr. Passman advises. If you’re collecting a federal pension, you should consult a financial adviser to see if it’s at risk. Also: Be realistic about the stigma you might face from employers in other industries.

After a decade in pharmaceutical marketing at companies including Gilead Sciences, Julie Raque recently became the vice president for marketing at Cannabistry Labs, a cannabis research and testing company in Chicago. She was intrigued by the industry and eager to join a start-up, but had to take a pay cut in exchange for company stock — and to accept that her decision might be a one-way door.

“I highly doubt companies would want to hire me back,” she said. “I knew I was about to do something big, and since then I��ve not looked back, because I’m having so much fun.”

[rolandfontana]

Increase in Female Inmates Linked to Opioid Crisis, Poverty

Lee Hays waited three hours in a holding cell deep inside the century-old Westmoreland County Courthouse in  Greenburg, Pa., before being brought into a first-floor courtroom.

Hays wore a white long-sleeved shirt under her dark-blue jail uniform as she sat next to her attorney in front of the courtroom railing. It was a week before Christmas.

The 57-year-old woman renewed the plea she had made for 22 months: Get me out.

The room inside the downtown Greensburg landmark had mostly cleared when her name was finally called. Hays stood before the judge. Her straight, light-brown hair fell to her lower back. A rose and vine tattoo marked her wrist. A few friends and her son’s girlfriend sat in the first and second rows, listening intently.

Her attorney suggested that the judge reduce the $500,000 bail that had kept her in the county jail on accusations of being part of a heroin trafficking ring.

“You’ll be heard in February,” the judge said.

Hays broke into tears.

“Love you,” her friends said as a sheriff’s deputy escorted her out in handcuffs. “Hang in there a little bit longer.”

Hays is part of a trend of more women being arrested and jailed in Westmoreland County and across the country.

Nationwide, the female jail population has swelled dramatically since 2000, when about 70,000 women were incarcerated at the mid-year mark, according to the Bureau of Justice Statistics (BJS).

By mid-year 2014, that population had grown to nearly 109,000 women locked up in county or municipal jails.

Two years later, according to the most recent data available from BJS, the figure had decreased slightly to 102,000; but that tally was from the end of 2016 when a prison population is typically lower than during the middle of the year.

The Westmoreland County Prison has seen a similar influx.

In 2008, the county lockup in Hempfield saw 824 commitments of women. By 2017, jail officials took in 1,269 — a 54 percent increase. During the same time period, the number of men committed increased 3.5 percent, from 3,440 to 3,560.

“The fact that there’s a 50 percent increase of females is very concerning,” said Judge Christopher Feliciani, who hears criminal cases and helps run the county drug court that started in 2015.

Many county officials were hesitant to point to a specific reason driving such a sharp increase in the number of women locked up locally, citing a lack of hard data. The Westmoreland County Clerk of Courts office does not track the types of offenses charged against female inmates, and the county Prison Board does not break down annual figures on top charges for jail inmates by gender.

Some speculate the increase is the result of the ongoing drug epidemic, whether women are getting hooked or engaging in criminal activity to support their habit.

Since 2015, retail theft and possession of drugs and drug paraphernalia were the top three most common charges for which an inmate was committed to the jail, according to prison board reports.

People who are addicted to prescription opioids or heroin are more likely to be involved with the criminal justice system, according to a study published last year in JAMA Network Open. As the person’s addiction progressed, so did their involvement, researchers found.

“It’s been going up,” said jail Warden John Walton. “I attribute it to the drugs.”

Lower Pay, Higher Burden

About half of incarcerated women in the United States are in local jails. Sixty percent of women in local jails in 2018 were there pretrial, meaning they had not been convicted, according to the Prison Policy Initiative.

One reason could be the fact that women earn less than men, making it less likely they can afford to post bail, said Wanda Bertram, a spokeswoman for the group based in Northampton, Mass.

A woman in jail who is unable to make bail has an average annual salary of about $11,000 prior to incarceration, initiative research shows.

“When a man is in trouble, it’s common for women to rally around them,” Bertram said. “But for women, it’s the opposite.”

It’s unusual for a woman to have bail set as high as Hays, who was one of eight people police arrested in 2017 and accused of being part of a large-scale distribution ring that brought at least 20 bricks of heroin into the county.

Only one other woman arrested in Westmoreland County in 2017 had a bail set equal to Hays’ bail.

“I didn’t know what to think,” she said of when a district judge set her bail at $500,000 — an amount she could never afford.

Being jailed has been a financial struggle. Friends and family are helping Hays pay bills and taxes and keep the heat on at her childhood home in Youngwood, Pa. Her business that once provided pressure washing and painting services is gone.

“I’m from right here, and I have a house and I have a business,” Hays said. “It’s not like I was going to take off.”

Many women remain behind bars because they cannot afford bail — even ones set at low amounts.

County records show that many women remain behind bars because they cannot afford bail — even ones set at low amounts.

Of all women jailed in Westmoreland County in 2017, 426 — or about a third — couldn’t post bail at the time of their arraignment, a Tribune-Review analysis showed. Of those, approximately 300 received a bail amount of $10,000 or less for mostly nonviolent offenses — including half who were accused of possession of drugs or drug paraphernalia.

Regardless of bail amount, three-quarters of them remained behind bars because they couldn’t afford to post bail, records show.

Experts said low bail amounts can be out of reach for some who get arrested.

“$10,000 might be like $5 million,” said Brittnie Aiello, an associate professor in the department of criminology and criminal justice at Merrimack College in Massachusetts. She researches maternal incarceration and punishment by gender.

Mothers Behind Bars

In addition to earning less than men, many women also have added burdens of providing for children.

“A lot of these women are single parents; they don’t have expendable cash,” chief public defender Wayne McGrew said. “These could be women that are just coming into their first time of being involved in the criminal justice system just because of the drugs.”

Experts say the majority of women in jails are mothers, and many have experienced some kind of trauma or abuse and mental illness, more so than male offenders, according to Bureau of Justice Statistics research.

“Women are required to go back and be mothers,” said Tom Plaitano, member of the Westmoreland County Criminal Justice Advisory Board.

“That’s an added burden on them.”

An estimated 80 percent of woman jailed in 2018 to be mothers, with U.S. jails expected to house 150,000 pregnant women last year, the Prison Policy Initiative estimated.

From Jan. 1, 2016, to Oct. 30, 2018, there were 13 instances in which a child was transferred to custody of the county Children’s Bureau after the mother was incarcerated, according to bureau statistics. Between 2013 and 2018, the jail housed 190 pregnant women, many of them addicted to heroin, Walton said.

Incarcerated mothers have fewer resources than male counterparts and can face a tougher road when they get out, Aiello said.

“You have to rebuild your life, which is a huge uphill battle … and the kid’s life, too,” she said.

Jillian Jensen knows what that’s like.

The 31-year-old mother was once an inmate at Westmoreland County Prison. She later worked there as a certified recovery specialist, visiting the jail for 18 months to hold group sessions for men and women.

While everything changes when you wind up in jail, Jensen said the negative experience can be used as an opportunity to reach women while the burdens of daily life — kids, work, home — are on hold and feelings that may have been repressed flood in.

Her time behind bars forced Jensen to address her drug addiction and start to get clean.

“Being incarcerated saved my life. Having that fear of going to prison for five, 10 years scared me,” said Jensen, now a stay-at-home mother of three. “I think women need empowered … to know that they’re worth more than this lifestyle.”

Breaking the Cycle

During her prolonged stay at the county jail, Hays has seen the same women cycle in and out.

“They’re in here, they seem like they want to do good,” but when they get out, they run from drug rehabilitation or don’t finish it and end up back in jail, Hays said.

“I don’t know that these people have the structure of a job and going to work and feeling good about themselves.”

The county would like to start a re-entry program for inmates, though officials continue to search for funding after being denied for an earlier grant. Such a program could offer services — vocational training, transportation, drug and alcohol treatment and life skills — to select inmates inside the jail and after they are released.

The idea would be to reduce rates of people being incarcerated again and help them better their lives, said Plaitano, who is on the steering committee for the Pennsylvania Re-entry Council.

An easy way to reduce prison population is by changing the cash bail system for certain offenses, such as misdemeanors and other nonviolent charges, advocates say. There are people who can be released and others who are violent and should be jailed, said Cherise Fanno Burdeen, executive director of the Pretrial Justice Institute.

“There’s nothing about sitting in jail … that improves your life outcome.”

“There’s nothing about sitting in jail … that improves your life outcome,” she said.

The county’s drug treatment court has succeeded in getting high-risk, high-need people out of jail while they work through the program, coordinator Eric Leydig said. Between September 2015 and November 2018, 190 men and 147 women applied to the program — with 66 men and 50 women accepted, Leydig said.

“We try to make jail priority cases,” he said.

Hays tries to stay busy while awaiting her Feb. 25 plea hearing.

She works at the library once a week and mends clothes, sheets and blankets for a couple of hours each day. She attends a nondenominational Bible study and church service every week. While inside, she earned a high school equivalency certificate — even though she said she already had one from the 1970s.

Prior to her drug arrest two years ago, Hays spent time in jail on work release in the early 2000s on a drunken-driving charge and a couple of years before that in a state prison for an aggravated assault charge, according to court records and her recollection.

Renatta Signorini

Now, she just wants to see her two children and three grandchildren again.

“I miss them a lot,” she said, crying.

This is a slightly edited version of an article written by Renatta Signorini, a staff writer for the  Tribune-Review, as part of her project for a 2018 John Jay Rural Justice Reporting Fellowship. Read the full article here. 

Increase in Female Inmates Linked to Opioid Crisis, Poverty syndicated from https://immigrationattorneyto.wordpress.com/

[stairs33-blog]

Home Improvement Tips: Ways to Increase the Value of Your Home

Reasons to Get A Redo

Home improvement projects often start with somebody saying,"Wouldn't it be nice if...?" Typically followed by a desire to get a remodelled kitchen or a room addition to room to accommodate each family member's needs. More frequently than not, dreams and reality do not match, as a result of restricted capital for realizing the fantasy, or limitations on the accessible space. The trick: turning your dreams to reality. Start with a realistic appraisal of your requirements. Homeowners usually think about home improvements for a few of these reasons.

You might feel the need to upgrade something that's outdated. If your kitchen color scheme was ideal a couple of decades past but no longer functions, now might a fantastic time to upgrade it.

Some home improvement projects develop from a direct need to replace broken or ineffective fixtures. When a sink, bathtub, or bathroom has to be replaced, then consider using this chance to perform a makeover on the full toilet.

If you are planning to sell your house, you will want to make certain to get top dollar out of the purchase. That is great motivation for a few home improvement jobs.

You've determined that staying place and enhancing your house is a better choice than going.

Your family has grown and you will need more room.

Enhancing to Move? or Improving to Stay?

Assess your aims carefully if you are enhancing your home to set it available. Cutting corners can damage your prospects instead of helping them. But do not go forward either. Potential customers may choose to not pay for a few of the extras, like a spa or pool. You are better off maintaining the changes easy.

And keep in mind that buyers who see your house might not share your preferences and might not appreciate the care you took to locate just the correct shade of green paint for the walls.

You might discover that enhancing to market is simpler if you're able to consider it in the potential purchaser's standpoint: What is valuable to the house buyer? Listed below are a Couple of remodeling jobs buyers will find invaluable:

Adding or Fixing a tub

Enhancing the kitchen

Adding a new room

Landscaping

Including a bedroom

Adding or surrounding a garage.

If you are remodelling since you would like to remain in your house, you still need to prevent over-improving it. You're likely going to need to sell it , and even if your home is the very best on the block, then it might be tricky to convince prospective buyers to cover the items you believed significant. When you think about making advancements, remember the value of additional houses in the region. Your house's worth shouldn't be greater than 20 percent over the average, meaning that a $10,000 kitchen improvement job well could be much better investment than a 10,000 spa, particularly if yours are the only home in the region with a spa.

Home Maintenance vs Home Improvements

It is unfortunate that some home improvement projects are undertaken since something has broken. Replacing a leaky tub could possibly be the very first step to a significant bathroom remodeling: because the tub needs to be replaced anyway, why not do the entire room?

While this may be a valid reason to redesign, avoid highlighting your home improvement jobs on immediate demands. You are going to be better off in the event that you minimize issues with appropriate care. Examine every part of your house at least once each year. Examine the roof, the plumbing, electric wiring, wood stairs, etc.. Whenever know a issue, fix it. Making repairs when you are first conscious of these can help you avert bigger expenses in the future. Remember that maintenance doesn't increase the worth of your house. Normally repairs aren't developments; they're necessities.

Hiring Professionals May Save You Time and Money

It should go without saying that house jobs can be costly, so you could be tempted to handle yourself as a means to save cash. Which might be a wise move for smaller jobs. You won't need to await a person to satisfy your home in their hectic schedule, and you may boast about doing the job yourself.

But unless you are very flexible, important home improvements are much better left to professionals. In case you choose to redesign the kitchen and intend to do the job yourself, are you going to be able to manage the plumbing, electrical, and carpentry work by yourself? . And remember you'll want to complete it fast, since you won't have a kitchen so long as it is a"work in process" and eating three meals per day at restaurants could get pricey. Remember, do-it-yourself projects normally take more time. And you are going to be responsible for obtaining all the required permits and inspections.

Hiring individuals who possess the necessary expertise can help save you money and time, also. By way of instance, those professionals can help you to get a customized look using stock goods, and that may be a substantial savings. Getting something done correctly the first time will provide you worth that lasts for ages.

To locate reputable and qualified home improvement experts, consult with friends, business partners, and acquaintances for recommendations. Always get at least three references, and check them out completely. Also check with the local chapter of the Better Business Bureau or Chamber of Commerce. Their numbers are located at the services section of your telephone book.

As soon as you've found the essential home improvement experts, be sure everybody is in control of the plan, the program, and also the budget, and also find down the details in writing in a signed contract.

Additionally, it is sensible to test on professional certificates and permits, where required, and also be sure the contractors you hire are completely bonded and insured. Your city or city Building Department can supply this advice. And it is extremely important that you ensure contractors carry workers' compensation insuranceif employees are injured at work, you will not be responsible in the event the contractor is insured. Request copies of the insurance certificates. And be sure that either you or your contractor have gotten some necessary licenses before the job starts. Speak to your Regional Planning and Zoning Commission for advice.

Here's a Fast Summary of a Few of the professionals You Might Need to utilize when you redesign your house:

Architect: Architects design homes or additions from the foundation to the roof. If your job will require structural modifications like adding or removing walls, or when the plan is complicated, you will likely require an architect. Since architects can charge an hourly or a flat fee, so be certain that you receive an estimate of their entire price: pulling up the plans for a significant remodeling job may take 80 hours or even longer.

Contractor: The contractor manages the house improvement project, such as hiring and supervising workers, obtaining the necessary licenses, ensuring inspections are completed as necessary, and providing insurance for work crews. It is almost always a fantastic idea to receive suggestions from a couple of reputable contractors, dependent on the particular details of your job.

Make certain each contractor calls on precisely the exact same plan so you are able to compare their bids more readily. When you have selected a contractor, be sure that the contract specifies you will cover phases. You will usually cover one third once the contract has been signed so the contractor can purchase supplies. The quantity and time for making the payments will be contingent on the size of this undertaking. Don't make the last payment before all of the job is successfully completed, inspected, and accepted.

Interior Designers: Interior designers are experts who will offer guidance on furnishings, wall coverings, colors, designs, and much more. They save you time by narrowing your choice, and conserve money since they generally get professional reductions from their providers. When meeting with a interior designer, make sure you let them know about your own personal style and tastes. Expect to pay anywhere from $50 to $150 per hour, or you might have the ability to negotiate a flat charge of roughly 25 percent of the entire job price.

[decadenttimetravelmentality-blog]

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Classic Car Insurance?

If I bought an 80's car, but my parents were the policy holder for the classic car insurance quote, and I am only 18... would I be able to be a named driver? (because you have to be over 21 to qualify for classic car insurance) Also... is this even legal? Thanks""

How much will my parents car Insurance go up when I get my drivers licence?

I live In Missouri, by the way. Doesn't the Insurance automatically go up for them?""

Should I tell my insurance company that my car was broken into?

My car was broken into last night, between the hours of 9:30pm, and 7am, just parked in front of the condo we live in. Some things of value were taken, ( estimated around $130, or $150 in value...no damage was done to the car, they must've just picked the locks) so I filed a police report this morning...is this something I should report to my car insurance provider? If so, how would filing a report with insurance help me? I'm 19, and have been driving for a little over two years now, my insurance is through AAA. I have had no previous driving offenses on my record, or anything. (This has never happened to me before, so pardon some irrelevent info, here!) before. Do you recommend I file a claim with AAA, or just let the police handle it entirely? When would I need to file a claim by? (like, a deadline, time-wise.)""

Why does a classic car cost more to insure?

My friends got an 02 Acura RSX 5 speed and he pays like $600/month and the car has some engine mods. We are both 17 except he has a couple tickets. I called 3 different insurance companies and they all quoted me around $750 a month. the car in question was a 76 Chevrolet Camaro with an automatic trans and 350ci v8 (though the vin would probably indicate a 267ci v8) why is the newer car cheaper to insure? with a manual trans? kids these days dont appreciate the old cars like I do and stick with Honda and Acuras and those are the ones I actually see getting wrecked. I wouldn't get full coverage on the old car because if it were to wreck i'd just get another as they aren't worth fixing and are a dime a dozen it's not really a rare classic car. I understand that engine size might be a factor. The rsx is lighter and has a smaller engine but the Camaro is much heavier with a bigger engine. Would a z28 cost more? (already upgraded to 350 and upgraded suspension from factory) I didn't ask the insurance on that. What about the Pontiac Firebird of the same years? (70's to '81) it shares a similar setup. When I ask the insurance people how they calculate their rates they say its the area and experience of the driver but me and my friend live in the same area, he's had his license longer but has tickets. His car also costs way more. They could not give me any more info on rates they say they're just there to quote and don't know anything else. So why is this like this?""

""What is the cheapest car insurance in los angeles, ca?""

What is the cheapest car insurance in los angeles, ca?""

Where would i get cheap car insurance male age 19?

getting funny quotes

""Insurance question, 20pts for the best answer?""

Think about your life, home, automobiles and possessions. What type of risks/accidents can happen to each of these? What type of insurance would you recommend to protect against each of these risks.""

Which would have cheaper insurance a 06 charger or 06 bmw 330i?

Which would have cheaper insurance a 06 charger or 06 bmw 330i?

Motorcycle insurance for a 20 yr old?

i just got a 2004 ninja zx10r, any one know of a place that has motorcycle insurance for cheap??""

Personal Health Care Insurance ?

I'm 20 years old and I don't have any Health Care Insurance at all. My current job does NOT offer insurance. I've been working for this company for over a year. I just want to get insurance for myself. Can anyone recommend a good and affordable insurance agency ? Thanks :-) !

Car insurance help for a 17 year old first year driver?

I'm looking to spend 3000/4000 pounds on either a Golf 2006 model, ford focus, audi a3 2006 model or a bmw 1 series. How much am i looking at for the annual insurance for anyway of these cars being a first year driver?""

What happens when a car insurance company commits fraud? Please help!!?

I was told by my car insurance that my car was totaled, and would only be good for parts. It was in a MINOR flood, and I called to have it evaluated. They said water was in the motor, fuse boxes, everything was ruined supposedly. I knew they were lying, because I had my fiance check it all out, and there wasn't a drop in it except for the carpeting. I told them so, and said I wanted the car back to fix it myself, but the adjustor said they already paid my bank for the damage (not even the full amount, they came up with about 45% of the payoff amount, but it was worth what I owed on it). They said if I wanted it back, I would have to give them $2,700 for the car. I said to hell with it, and had to come up with 2,600 to pay off the remaining part of the loan, and then go buy another car. Last year, I seen my car in the next town over. Same vin number, same paint chipped bumper, same fist mark behind the passenger door. I was mad, but blew it off. Then, I seen it on a buy sell trade site and decided to inquire about the details. The guy bought it for $800 and didn't have to fix anything on it except for what I needed to fix before the flood (window regulator, wheel baring, and new tires). He told me he thought I had committed insurance fraud to get a pay out from them. So, I called my old insurance company, and the lady took all my information down and gave me the adjustor's number, the adjustor's supervisor's number, and the fraud department's number. I called the adjustor, left a message, and then filed a claim with the fraud department. They said to expect a call from them next week. What exactly happens in a case like this?? I don't expect a hefty payout or anything, but still, I've never known anyone who had this happen to them, but I do know people who committed insurance fraud. They get into huge trouble and pay out fines, but what if its the INSURANCE that commits fraud? Thanks!!""

Has anyone heard of Unitrin Direct Car Insurance. Yay or Nay?

I need to purchase car insurance right away. Their rates are pretty low. Any feedback would be appreciated.

Help plz car insurance in MD?

well i am 20 years old. i have been driving a car under my mother's insurance name for a while, the insurance told her that if i got an acident while driving that car the insurance will never cover any damage and they consider that as a crime so Is that a crime to drive a car which ur name is not in the insurance list? also ifu know which insurance company is the best for me to get my own insurance""

Where can I find cheap car insurance? ?

I live in Cleveland, OH... im 18""

Does anyone know a way to buy affordable health insurance?

Im a single healthy 38 year old woman.

""Car insurance, help please?""

I'm 18 years old & looking into buying a used 2011 nissan Altima from a dealer soon. My mom will be a cosigner for it & I was wondering if I would be able to insure that car under her name as the primary & me as an additional driver? Insurance rates are just too outrageous & unaffordable for my age & for new cars with full coverage so I'm really hoping that it would be possible for her to insure it since she'll be a cosigner. Thanks for all the help & answers, greatly appreciated!""

How much will insurace cost me on a 2005 jaguar type s or on a 2006 audi A4?

want to get one of those cars but i want to have a idea of how much it will cost in insurance. i got 1 year with my license or it will go up on my dads name he has like alot of years more then 30 with out accidents or anything. plz any info or if u have one of this cars. give me a idea of how much it will cost me or if u know any website i could find out. thanks. o ya the jaguar is a v6 3.0 and the audi v4 2.0. both leather i will get a bunch of chicks with this cars.

the best car insurance quotes

the best car insurance quotes

Looking for a online site to get cheap car insurance quote from all carriers at once?

Looking for a online site to get cheap car insurance quote from all carriers at once?

What do car insurance companies use to determine car value?

I just bought a 2008 used car. I bought GAP insurance (pays the difference between what the car is worth and the amount of the loan if the car is totaled) for $600. I have 30 days to cancel the insurance for a full refund (to my finance company). Do insurance companies use Kelly Blue Book retail value, private sale or trade-in value to determine the value they will pay for a totaled car? If they use retail or private sale, I can cancel and be okay if I get totaled, but if it is trade in, I will be $3000 in the hole with no car.""

Will my auto insurance rates go up if I get a red light camera ticket?

This is my first red light camera ticket but my second ticket this year. The first one was a speeding ticket. Will my auto insurance rates go up for a red light ticket?

Does anyone know a cheap liability insurance company for an 18 year old?

Please let me know asap. Thank you!

""Car insurance rates are through the roof and I don't know why, help!?""

I need help with car insurance, I'm having some problems. Okay, I'm a 21 year old single, never married, male and I got my driver's license when I was 18 in March 2008. Now, I know my car insurance rates are high because I'm young and a guy, but here's the problem. I see people who are about my same age who have been driving for the same amount of time as and have no accidents, violations, or tickets like me. My car insurance rates are ridiculously high, I mean insanely high, even compared to others my age. My younger brother even, he's had his license for a year, he's 19, and had 3 speeding tickets and still pays less than me. On average for my car insurance rates, getting quotes online range from about $1500 all the way up to $2500 for 6 months! I used old vehicles, new vehicles, safe vehicles, unsafe vehicles, every kind of car/truck you could imagine and my projected rates are still through the roof. For example, for full coverage with the minimum amounts and highest deductibles, my insurance on a 2010 Mazda 3 would be about $1800-$2300 for 6 months. However, I also got a quote for a 1997 Ford Escort and the same exact coverage is still $1200-$1300. I don't get why my rates are so much higher. A coworker of mine is 21 years old, not married, no tickets, and has had his license since 18 like me, and he has a 2007 Mazda 6 and he only pays about $170 a month, which translates to about ~$1050 for 6 months. I put in my information including SSN on the same company's web site that he uses (Geico) and my insurance rates are about $1700 for 6 months. So my question is why are my insurance rates so high? I have no tickets, no moving violations, no accidents, nothing, and yet insurance rates are so high. I figure SOMETHING has to be on my driving record, but I can't imagine what. How can get a copy of or look at my driving record? I just want to know why my rates are so much higher than other people, male or female, who are about my age and have been driving for about the same amount of time and yet I still pay 2x or 3x as much as me. Please help me out! =)""

Looking for cheap health insurance website for students?

Hello there! I'm a student and I need some suggestions, I'm looking for an affordable college student health insurance plan. There are many sites but I'm scared because I think some of them are scams. I'm looking for a cheap price. Please tell me a good one.""

How do i go about getting points taken off my license?

I have points on my license tht are due to come off 2 weeks ago how do i get them off???

What is UPS waiting period for health insurance?

How long after being hired as a permanent part-time employee do you have to wait for insurance to kick in?

Health Insurance company?

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

""Need a license, insurance, and car...?""

I need all three of these. What is the proper order to get them in? I thought you need insurance to get a license, and a license to get a car. But don't you need the car to get it insured? And can you get insurance without a driver license number? I'm confused any advice would be appreciated.""

Hey how much will car insurance be when i start driving at 16?

ok heres the thing,ill be 16 years old when i get my dl,our insurance is mercury,and i am gonna drive a 1991 civic hatchback,or a 1992 integra any clues o how much per month""

Who has the Cheapest libility Car Insurance in Chicago?

I want some libility Insurance under $50.dollars, not over $49dollars.""

Life Insurance help?

I need help in determing how much life insurance I need to take out should something happens to me Facts you may need to know - I have a 1 month old daughter and I want her to be taken care of if something was to happen to me - Her father and I aren't married ~ with that being said is it recommended to leave him some money to provide for her - Also if something happened to me before she is 18 insurance companies I have contact stated that the money would be set in a trust (this is good but like I said I also want to have money available sooner than 18) - Funeral expenses - I am currently am in debt about $4,000 which I am continuously paying down abd I have a car loan $ 18,000 All this being said please help me in determining how much insurance I should take out and how much to leave to her dad and please suggest what other factors I may have left out in determing how much insurance""

California speeding and no proof of insurance ticket?

It was dark and raining. I just came off the bay bridge in SF and am positive I was driving below 40 on the bridge and between 40-60 when I got off the bridge. The cop was on 80E past fremont exit. He said I was at 67 in a 50 zone and also did not give me enough time to look for my proof of insurance. He said lets make this easy and quick and cited me for speeding and for no insurance and not no proof of insurance. He cited both as non-correctable. It this accurate? I don't think his radar reading isaccurate. How can Ichallenge this?

Adding additional drivers to my car insurance..?

Will adding my mom or dad (perfect driving record) affect them or their insurance at all? Or, if I got into an accident, would it go on their record? The policy would still be in my name...they would simply be listed as a secondary driver. Please only knowledgeable answers. It's crucial I get this figured out correctly.""

What would insurance on a er-5 be like for a 17 year old?

I recently asked how much gsxr400 insurance would be for a 17 year old, however being a sports bike it costs more, but what would it be like for a bike like the ER-5. also i would go ...show more""

What will the average insurance payment be for my BMW?

Ever since I was little I've always wanted a BMW. Well now since I'm turning 16 in the fall I have the option of getting a 2004 BMW 5 Series 545i for $9,000. It's in extremely good condition and I just love it. I will be making around $200-250 a month and my monthly payment will be about $106 to the bank till my senior year in college ( yes that's 84 months but it's in good condition so it's worth it) and I was just wondering if any one had a idea how much insurance would cost? I really want to get this car but I won't if I'm not able to pay a payment and insurance at the same time due to other small bills i have. Thanks""

Is it illegal to not have car insurance?

and if it's not illegal, what am i getting confused with?! i always thought it was illegal....? my friend is getting his car and he said it's a crappy car so there isn't any need to insure it. ???""

Should medical insurance be only for childrens?

I am doing a paper on medical Insurance for my class project I have 10 question that I need answers too.

What is the average cost difference between full coverage insurance and liability insurance?

approx how much difference that is, like are we talking about couple hundreds 300-600 or alot more than that? thank you""

What is the cheapest car insurance premium quote?

That you know of , for an 18 year old male driving a group 1 car. Thanks.""

Does a years moped insurance give you a years no claims bonus for a car the next year?

Just wondering. i'm 16 and i'm after getting a ped, but i don't think my dad will let me. If the years insurance on a moped carries over for a car next year when i can drive (which will make my car insurance cheaper) then i think i can persuade him. Anyone know if it does? any answers will be much appreciated :)""

Cheapest car insurance for young drivers?

i am 20 and my boyfriend is 19 any cheap car insurances known as i am currently paying 1800 for the year on an S reg saxo for us both thanks in advance

What questions should i ask before getting LIFE Insurance?

Im about to get life insurance, but i dont know how it works. What are some questions i should ask the insurance agent before signing any papers? Please help!""

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

how important is it every month to pay your car insurance? what could happen if you don't

the best car insurance quotes

the best car insurance quotes

Why is my car insurance so high?

why is my car insurance so high my cheapest quote is 4000 on my own i have a 1.1 peugeot 106 im nearly 20 years old and passed my driving test at the end of november 2010

Has anyone heard of Unitrin Direct Car Insurance. Yay or Nay?

I need to purchase car insurance right away. Their rates are pretty low. Any feedback would be appreciated.

Do auto-insurance companies submit information to DMV?

I called California DMV with proof of insurance and they already had my information. I never gave it to them directly. So I am curious are they all synced up now or how does this work?

What is a reasonable cost estimate of business insurance for a cafe?

I'm working up some numbers to determine the financial feasibility of opening a small (1000-1200 sq ft) cafe. Starting out with myself and no more than 2 part time employees, what should I estimate for combined liability, equipment, workers comp insurance?""

What is the best and cheap health insurance?

What is the best and cheap health insurance

Can i sue auto insurance company without using a lawyer?

i was rear end by another car and his insurance total my car and paid me the book value of the car. i went to physical therapy for about four months. i took x-rays and mri. the mri shows that i have a dislocation in my lower back. but the insurance company has refused to settle me for my injury. my lawyer told me that i should consult another lawyer to sue the insurance company. some lawyers i met are not interested in the case. can i sue the insurance company myself? if so, how do i begin?""

""How much would a $1,000,000 liability insurance policy cost?

I'm planning events at several different venues and this is required. Each event is 4 hours.

Any idea how much insurance for a new male driver 25 years old?

passed test january 2009, car with smallest engine something like a corsa 1.0 nothing flashy ,just need a quick kind of quote ....split up with partner whos taking me off car insurance....any insurance companies reccomended .cheers emma for a friend xxxx""

How to get cheap insurance without no claim bonus?

Hi basically I had been a additional driver on my brothers policy for 3 years and I do not hold any no claim bonus as it was on my brothers name. I want to get insurance done on my name now but I am looking for any good deal being a only driver with no claim bonus as I have no accident history, I have clean record of driving so any ideas on how to sort it out cheap let me know thanks in advance :)""

Monthly car insurance?

I've got my driving test in September, and if I pass I would love to buy a car. I was thinking about getting monthly car insurance as this would be easier for me. Now I know that you need insurance before you can buy a tax disc. My car would also be parked on the road outside my house. My question is, if I decide to not use my car for a month do I still need to buy insurance for that month. I know if the vehicle is parked on the road you must have a valid tax disc, but I was unsure whether I need to be insured as well even if I'm not using the car?""

Car insurance for a 17 year old?

i am a 17 year old male who has just passed his driving test a month ago and wants a cheap insurance company and the cheapest car to insurance, i only want to use the car to commuteto a place of work. Any ideas""

What do you need to get car rental insurance if you dont have car insurance?

Ok my husband and i are planing a trip and would like to know what we need as far as car rental insurance he has a clean driving record but we do not own a car hence the rental and there fore dont have car insurance so we dont know were to start or how we even get it. Someone plz help. Oh and he is 26 so we dont have a problem in that department lol.

Cheapest Way for an international student to Drive a car with an international License?

I will be staying in the UK for 1 year and need a car cuz I will be driving around 50 miles a day. I looked to buy a cheap car but the insurance is around 6000 to 8000 a year cuz i am young and driving with an international license. The cheapest thing I found was renting a car for 13-14  a day. Is there anyway I can drive cheaper in the UK? If renting is the only choice, what is the cheapest renting diesel car can I get in Birmingham?""

Refund for one month not using health insurance?

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

I was in a car accident and didnt have car insurance..?

the other car is totaled... what do i do ?? can i get insuranse somewhere now who will cover a past wreck???

Assistance with auto insurance.....What do I do?

I am 20 years old. I have had my license for almost two years. I recently got a car and insured myself with All State. After everything went through, I got a notice about a week after saying I was declined for coverage because I haven't had my license for three years?! I have a completely clean driving record: no tickets, no court, no violations. What company will cover me? In the notice it said something about insurance through the DMV? Anything helps!!!""

Does my first speeding ticket increase my auto insurance rate?

I just got my first speeding ticket, and I'm really worried about the insurance rate ! The ticket says 60 on 30 limited area, so yeah 30mph over the limit ! also they were not using any detector as on the ticket says, can I go to the court say they made a mistake?! lol I'm living in MA FYI.""

Rear Ended - Can I demand insurance?

I was in an accident last month in my brand new Volvo (not even a month old!). I was rear-ended, while I was at a stop sign. Damage is to the rear bumper, pretty bad, looks horrible...especially for a new car! No one was hurt, just shaken! We did not immediately file a police report. We exchanged information, and the the person who hit me told me that they would pay for my repairs out of pocket, and that they didn't want to get the police or insurance involved. We conversed on the phone for a few days, and they seemed like everything was going great, and I was supposed to meet them at their friends auto body shop for the repairs...long story short...they never showed. Bad part now is, I never got their insurance information, just license plate, DL, addresses(basically everything BUT insurance). That same day, I went to the police station and filed a delayed police report. Later that week, I went and got 3 different estimates, and the damage averages out to about $900. I contacted a friend of mine, who is a police officer, and they stated that I can issue a summons to the person who hit me for careless driving, and I will have to go to court. This is basically to show them that I'm not messing around. All I want is my BRAND NEW car fixed!!! I'm NOT going through my insurance because my deductible is $1,000, and the damage is less...not only that...it wasn't my fault! My insurance company advised me to have person who hit me's insurance take care of everything, at no cost to me. Here's what I need to find out...Can I send the person a demand letter, basically stating that I want them to have their insurance take care of everything? I have tried to call them, and they send me to voice mail, so reasoning is not an option any more. I don't really know how to go about this?! I want to try this on my own, and not get an attorney involved. I just want to tell them that if they fix my car, I will drop summons and further proceedings (like small-claims court, which I WILL sue for additional $$ for dealing with all this). But, what if they don't have the money? I have no idea what to do. I live in NJ, hope someone can help!""

Car insurance rates for a new teenaged driver?

So we have State Farm car insurance and our 17-year-old daughter is attempting to get her license. She has straight A's and is doing their Steer Clear program. Does anyone have an estimation of how much this will increase our insurance rates?

What are the chances my daughter could get good health insurance?

That's affordable? She has a few preexisting conditions. Spina Bifida (birth defect) asthma and Chiari Malformation. She only has one kidney. Right now she's receiving Medicaid but theres a cap on how much me and my husband can make a month and we really want to do better. Is Obama going to do something about Health care? I only have 3 choices if there are no changes, win the lotto, move to England or let things stay the way they are.""

What is the cheapest car to insure for first-time drivers?

I passed my test last November, and am looking to get a new car. However, every single car from Ford Fiestas and Vauxhall Corsas to Renault Clios and Citroen Saxos have come back for somewhere between 2500-3000, even some ridiculous quotes maxing 5000. I'd even settle for somewhere in the region of 1000-1500, and before you tell me, I know how expensive car insurance is... believe me. I'm 20 years of age and passed my test first time back in November if it makes any difference.""

Auto insurance renewal?

Hello all, My current auto insurance is ending next month and the renewal form just came in. Coincidently, I was offered a better deal from another auto insurance that was less than half of what I currently am paying. I called and check and it was the same coverage. My question is that do I need to let them know that I will not renew my current auto insurance with them? This is my first time planning on switching and I would like to know if there is any penalties or anything in general I should worry about.""

How much is motorcycle insurance compared to auto insurance?

Just wondering because one of my friends says she only pays half of her auto insurance a month and she is paying $300 and that seems pretty steep.

""What is the least expensive car insurance in Thousand Oaks, California?

Thanks!

My grandma says TEENAGERS arent covered on her car insurance. Is this possible?

i want to drive her car cause im 16 and just got my temps a couple weeks ago and all she keeps saying is that her insurance only covers people 21 and older. i totally think shes lying! cant anyone drive the car? the insurance is already one the CAR, not the person, so shouldnt the insurance cover the car regaurdless on who's driving??""

the best car insurance quotes

the best car insurance quotes

Cheap car insurance for 17 year olds?

I know this is probably one of the most asked questions on the here, but for me it is a real pain finding any decent answers... Id be very grateful if anyone could list insurers that are relatively cheap for car insurance for us youngsters! (Preferably under 200/month). Thanks in advance! :)""

""23 year old female been driving for a year and few months and need to start own car insurance, help!?""

I drive an N reg ford fiesta, bit of an old banger! so far since I got my licence in july 2006 I have been on my dad's insurance. Now I need to get my own, so far I have been getting really high quotes are told I am not suitable! any cheap insurers for new young drivers? tried the girl ones like dimond and sheila's wheels and no luck!""

Piaggio ape 50cc Insurace Please HELP?

Okay I'm 17 and looking at getting a Piaggio ape 50cc to drive around i live in a town in the uk, I have looked for a number plate to get a example of cost on insurance as if its loads I wont be able to get it! I'm pretty sure I don't need full licence to drive just CBT as I don't have full licence!""

More Better? Car Insurance Question?

We have 2 cars and currently 2 drivers on our insurance (my husband and I) and we were wondering if we add his mother on there will it be cheaper? The thing is his mother does not have a license and does not know how to drive, would it still be cheaper if we add her to our insurance?""

Different ways to lower insurance cost. could i have my boyfriend insure my car for me?

Please, if you're not 100% sure don't answer,, it's confusing. Anyways, i recently financed a vehicle, 06 Taurus, and the insurance is killing, nearly higher than the car note! ($314 a month). & now that I'm pregnant i need to save $. My boyfriend doesn't have a car or license, but is there any way he could get insurance under his name & then add my car? Or any other work a rounds? Btw, I'm willing to fix his license if that's an issue. I'm 23, He's 29. I live in what's considered to be more dangerous city than he does. Also, he has less moving violations than me. So a policy for him maybe be anywhere from 40-60% cheaper than mines.""

How much will my car insurance be?

R reg vw polo 999cc

""After what age in the UK is drivers insurance, cheaper?""

im 20, i passed when i was 18. at what age is insurance cheaper, i know it depends on where you live, car, model, engine etc but at what age?""

How much would a typical car insurance cost for a punto? im also a new driver and 20 yrs of age.?

How much would a typical car insurance cost for a punto? im also a new driver and 20 yrs of age.?

Car Insurance Coverage and a DUI Question?

My daughter received a DUI a while back, as she put the car in 'Drive' (instead of 'Reverse') and drove through the side of a restaurant. (closed, thank God!...No people there) She refused the Breathalyzer, and was taken to the ER for about 7 hours. She was given a DUI. This car was titled, registered and insured by me- I am her mother. She is over 30 years old. The insurance has covered to fix the car, but the restaurant has retained an attorney. (I live in SC and have $100,000 property damage on the car) Yesterday, my insurance adjustor called to ask for a release of my daughter's medical records, so they could meet with the restaurant's attorneys and show that she was not drunk. Well, she was drunk, and my daughter's attorney has told me not to release that information, as it is a violation of her rights- she already refused the breathalyzer, etc.Also, she WAS drunk, and this would only release that information possibly to others. Please no rude comments about all of this- I get it! Question: Can my insurance company refuse to pay for my daughter's ER bill ($13,000) AND the property damage, AND whatever else- due to the fact that they are going to decide she was 'drunk.' ??? Is there any way to protect my assets? Specifics would be great, if you know them. Thanks.""

Whats the cheapest place to get insurance?

I got a 01 kia optima im 23 years old, male, and paying about 100 dollars a month for full coverage. Company: American Family. Any better deals""

2 questions on car insurance?

1) I'm looking to buy a car soon after I pass my driving test in 2 weeks. I'm 20, I'll be turning 21 in November. I seen that the insurance price for a 17-20 year old is around 2400 and the price for a 21-24 year old is around 2000. If I were to get insurance 2 months before my 21st birthday, would I be able to pay 2 monthly rates of the 17-20 year old price and then convert onto the 21-24 year old price? Or am I stuck with the 20 year old price for one year? 2) If I were to set the voluntary excess to a higher amount to get a lower premium, would I be able to change the voluntary excess when I renew my car insurance? Or is it possible to change it every month if I chose to pay monthly? Thanks.""

How can I get cheap insurance?

I am 19,and I am thinking about doing my theory test for my full licence,but insurance are so expensive,especially for my age. Do any of you guys know how can I get cheap insurance? Do any of you guys know of any cheap insurance companies? Thank You all""

Need suggestion for health insurance?

Living in CA. Just want to get individual health insurance in case of any expensive treatments like surgery, hospitalization...so the insurance can have high deductible... In this case, should I consider supplemental insurance like AFLAC?""

Do you need auto insurance when your car is under Planned NON Operation ?

I have a old car that i am not going to use for the next 4 months till my wife comes back (she's out of country now). My Question is if i file for a planned non operation of the car with DMV, can i take this car out of my insurance. Currently i just have the liability on this old car. Is insurance mandatory even if your car is not driven / in public roads?. Please help.""

""If I never had a car (or car insurance) before, do I need to buy car insurance before buying a car?""

So I'm getting ready to buy my first car. It's located in the next town over. But if I just go over and pay cash and get it, there wouldn't be any insurance on it. It's illegal to drive without insurance. Don't I need to drive without insurance first? If so, how would I explain to them that I don't exactly have a car yet?""

I am 16 almost 17 and am looking for a car and am wondering what the insurance rats would be on a porsche 944

this would be my second car and its a really nice 1985 Porsche 944 (non-turbo) it has only 67K miles on it and is in excellent shape I am just wondering if my insurance would go up i pay about 130 $ a month on a Pontiac grand am ... would it go up? if so do you know how much?

Insurance price on harley-davidson?

what would be a good estimate for yearly cost of insurance on a harley? -92 heritage softail classic

What does getting pts on license mean for my insurance?

I got pulled over for speeding. However, the cop bumped down my ticket to disobeying traffic control device. I'm getting 2 points on my license. I'm 22 yrs. old and under my dad's insurance. Will the insurance rates be going up? (Also, I'm planning on taking the defense driving class to erase the 2 pts from license. If so, does my insurance still go up?) Please tell me of your situations....thanks!""

How much is a no insurance ticket in illinois?

I've been trying to look this up, can't find jack **** on it.. How much is it?""

""USA, health insurance. when you are 56 & cannot afford health insurance, is that a death sentence?""

doctors & hospitals in the US will not help unless you have insurance. so if i have cancer or any sickness, am I left to die.?""

How much is Insurance for a 17 year old on average?

I'm 16 and I didn't take drivers ed, i just got my license, and i just wanna know on average, and maybe the cheapest i could get insurance in the state of texas?...""

How much would insurance be on a Nissan 350z?

Hi guys!! Ok so I'm soon to get a 2003-2006 Nissan 350z Touring or Enthusiast. Maybe around 9000$ to 15000. I'm almost 18 and what would insurance be like for me??? Allstate, State Farm, ect. I just need a basic monthly quote! Thanks!!""

Are your children on your insurance plan?

Does it cost more on your insurance for a child over 12 years of age?

Can i get my MOT done without insurance?

My car needs an MOT and right now its on a SORN because im waiting for my paycheck so I can get insurance, my question is as follows: i know that you need an MOT before you can insure your car but to get my car to its MOT I would have to have it insured? How does this work? can i drive to the garage without insurance and get away with it or is there some special policy I need to take out? Please help.""

Do you need social security number to purchase car insurance?

Im a student under student visa here in california, I want to purchase car insurance but dont have a ssn. If you can, which companies will and which will not?""

the best car insurance quotes

the best car insurance quotes

https://www.linkedin.com/pulse/your-insurance-notified-when-you-get-ticket-driving-past-james-1/"

[bearandthebutterflyxox]

Best way to grow it indoor

Would you like to grow some of those green things on your own?

Great! This really is a easy beginners guide to growing Marijuana inside.

Never purchase Marijuana again. Grow so discreetly your neighbors won't notice Don't rely on shady personality to provide this to you ever again Growing Cannabis is easy because... It's a powerful, rapid growing plant (grows literally just like a marijuana) Hard to 'screw up'. Cannabis will grow under not so perfect conditions, which makes it ideal for beginners Quick turnaround. Only 4 months from seed into smokeable product Grow Equipment -- What do you Want? You will at the very least a great light.

Other substances are currently potting odor filter, pots, mixture and Fertilizer.

This can be purchased online. I will give you the links here later.

The parts slowly one-by-one:

Light Cannabis needs lots of light. The longer the better!

The better your light, the more you'll harvest.

There are 3 Kinds of lamps used HID lamps, LED Lamps or CFL Lamps.

LED is modern and energy efficient.

They're expensive to purchase.

However power is used by them. What you spend in the beginning you will save.

Cheap LED lights can be found, but they create little little buds and you waste time.

Only quality, more expensive LED lights are able to produce a good harvest.

... that means High Intensity discharge.

It is a little bit of an old-school mild.

It offers you a harvest that is big but uses heaps of electricity.

These lamps are cheap to purchase. Everything you save on initial purchase, you shed over time on electricity.

Purchase HID Lamps here

... means streamlined Fluorescent.

They work for small setups.

You could pay $ 80 for a 150Watt CFL with your own good and reflector if you'd like a small home grow with only 1-3 plants.

Buy CFL Lamps here

Ventilation Cannabis wants atmosphere to grow correctly. Regions that aren't well ventilated tent to develop insects.

You need to eliminate old used air. For example from a window or vent.

The carbon filter will remove the Marijuana smell that is typical so folks won't have to smell it.

Quite setups with only 1 CFL lamp can operate without active ventilation.

You put all that

The Grow Tent The tent:

Retains the bright light inside keeps the plant odor indoors has reflective insights into guide all light into the plants has opening for fresh air to enter at the bottom and used air to exit at the top has openings for electric cables You can purchase a grow tent or also construct a grow box from wood.

Buy Grow tents here

Pots and Soil Fabric Pots are a new development. They work better than solid plastic pots. Since oxygen can reach the roots and water can drain.

For our grow box cloth baskets work nicely.

Buy great quality garden dirt from the garden centre / hardware. Get. It's the basis for your plants that are healthy.

It will have some nourishment in it. That means you will not need to be concerned about fertilizer.

Buy fabric pots and dirt here

Beginners.

Marijuana SeedsWhere to get Marijuana Seeds? They will likely do nicely, if you ever found some in a small bag!

You could also purchase seeds online.

A seed shop will hide the seeds nicely.

I recommend these men in Holland,

Check out my posts about Marijuana Seeds and Marijuana Strains if you prefer.

Healthy seeds possess this tiger marble color. Seeds that are dead are black or hollow.

Indoors is safer than outdoors. You can conceal your setup well within your residence.

Additionally, you won't be dependent on the weather. Cannabis requires lots of sunlight.

Your set will ideally be placed in a closet, a garage, a cellar, the loft or your backyard shed.

Ensure nobody else can access the place. Be very discreet nobody should really be conscious of it. There may people attempt to steal your own harvest even if it's legal where you live.

You'll require a vent for air exchange or electricity and a window.

Germinate a few seeds! How many seeds should you begin?

It depends.

Lets say your grow box matches 10 plants (more about this later).

You would begin 12 seeds if you've feminized seeds, then meaning most of seeds will create plants that are female. (2 in reserve).

You will end up with roughly 50% males and 50% females, in case you have not feminized seeds.

Males don't produce Marijuana, so you may 'delete' them. later.

That means you would ideally start with 20 plants. But that is not realistic since they all won't fit into your box that is grow.

Start with as many as possible. Using seeds than is efficient.

1) We utilize Jiffy peat pellets. Put of them and let them soak until they are fat and big.

Two) Place into each pellet. The seeds must be 1/2 inch heavy (2 cm) and coated with dirt.

Put all of the 10 pellets into some container, or on a plate so.

Leave that.

It won't have to be under mild.

Pour water carefully this wills soak up. Do not pour on the seed or the pellets will wash off.

Your crops will sprout.

Now is the time to switch on the lighting in your grow box. The lights have to be switched on for 18hrs and off to 6hrs. Schedule your timer for it.

Set under the light.

4) They'll grow fast, keep them moist.

Soon roots will grow out on the sides of the peat pellets. Now you need to transplant into a pot with potting mixture.

Transfer the kids to Pots Move it into a pot with garden soil after the plant has popped out of this peat pellet.

Fill up the kettle with soil, make a deep hole and add the peat pellet that is entire with all the plant.

Place it quite heavy in that pot, bury the stem. Follicles will be grown by the stem that is stem.

Gently and gently compress the soil and slowly give a bit of water.

And place beneath your light.

Watering Cannabis grows and drinks a great deal of water.

However, overwatering can destroy those plants very fast.

Young plants need water approximately 1 x per week. Elderly plants 1 x daily.

There is not any set rule on watering. You have to provide water once the soil remains dry.

There would be A trick to touch the soil with the back of your palms. Does this feel cool? It means that there is sufficient water. But if it seems warm you have to provide water.

It means they are dangerously thirsty if your crops have their leaves dangling down. The leaves and give water go back to normal.

Excess water should be able to drain from the pots. That is no problem with the aforementioned fabric pots. Do not leave your plants stand in water, they may drown.

Since an increasing number of chemicals (chlorine, fluoride) have been added into our water supplies, it can be useful to use filtered water.

The Vegetative Phase Your crops are germinated. You have put them. Under you grow lights, they stand. Not too close to get around the leafes burn off.

The light is 18 hours and 6 hours away. You're nice enough to allow your crops sleep and keep them healthy, although some people let you leave the light on for 24 hours.

Water when needed but not too much.

Start Flowering in week 4 Plants look something. Time to create them flower!

The Flowering Stage After about 3.5 weeks, then switch the light to 12 hours on / 12 hours away.

Now the crops will change out of "vegetative' (growth) stage to "flowering" stage. The plant thinks it's time to make seeds and late summer.

Do this with a few steps in between. E.g. a day or two on 15 hours light on.

You will see the buds after approximately 4 weeks of 12/12 hour light. Hurray! But now ... you have to eliminate the males.

The Way to spot a male hormone 4 weeks into flowering you will see buds.

Both females and males have buds. They look differently.

Females are whitish hairs, balls are currently dangling.

You must remove males as soon as you have identified them. Because they are going to pollinate the females. And the women will not create as much yield.

Cannabis is a plant. It grows quickly and needs tons of nutrients.There are particular marijuana fertilizers available.

Fertilizer is mixed with water. And then the crops are watered with that.

You can't give fertilizer straight, undiluted. This would kill the plant.

Fertilizers work. Even tomato fertilizer. However, those which are specifically made for Cannabis, such as FloraNova work better.

To achive best results, you want to use a set of growth and bloom fertilizer.

I clarify precisely how to combine and dose fertilizer within my manual on giving fertilizer here.

Purchase Cannabis Fertilizer here

2 component Marijuana Fertlizer

How often to give fertilizer? You start giving fertilizer when the plants are two weeks old.

This means fertilizer is given 3 occasions by you, and you give water that is pure 1 time .

For instance: If you have plants that are young, they may be watered by you every 2nd day.

You give water with fertilizer Monday, Wednesday, Friday. And you give them H20 that is pure.

So that you prevent additives being built up in the soil that could damage your plants.

I recommend using water to give your plants the best life possible. Read more about that here.

Download the feeding schedule (printable)

You'll require a TDS meter to dose correctly, as shown in the movie above.

Always keep an eye on your plants. Darkish green that they could be hungry and want more food if the leafs aren't nice.

Pest Problems, the bugs are everywhere Bugs do occour even inside where there is apparently no way to allow them to get into the box. They pop up anyhow.

If you become aware of white spots in your own leaves have a good look at the underside.

You may observe bugs moving around slowly.

These are spider mites and treatment is needed by them immediately. Or they will wrap your crops up . And ... it's a wrap.

To combat these militants buy a pesticide that is mild. I Suggest Neem Oil. It derived from plants. You can't use toxins to take care of it.

Mix recommended on the bottle. Wait until the lights in your box that is grow turn off to the night. Then generously spray the entire plant top to bottom. Pay additional attention.

Let it dry until the lights turn back on. This ought to get rid of the pest. Otherwise, it can be repeated by you throughout the upcoming period that is dark.

Purchase Neem Oil pesticide here

Are they mature? It'll take 2-3 month until they are ripe flowering time.

During this time period, buds will grow. All you have to do is give fertilizer and water.

The following photo shows plants which were flowering for 2.5 month. They have buds that are fine but they aren't mature yet.

Ripe:Ripe: Your plants are ripe following 2 -- 3 month of flowering.

You can tell they're ripe when brown have turned.

In addition, the plant expansion will have slowed down.

They'll odor along with the buds will be compact and hard.

If you have a microscope you could check the trichomes (sticky, freezing looking items covering the buds) for their own color.

Plants harvested quite late tend to get a effect. Plants harvested seem to get a more activating high.

Buy the right Marijuana Grow Equipment

Harvest! Harvesting is easy. Cut the entire plant just.

The hardest part is done.

The plant has been grown by you and there's not much that can go wrong today.

Avoid touching the sticky buds. Anything stuck into your fingers is missing.

Currently a lot of work starts. Its time for ...

Trimming the buds Use small scissors (nail scissors) to remove leaves from the buds.

The bin can be gone into by those leaves that are huge. They have no active ingredients. Smoking them would make you cough.

Then there will be the smaller, icing-covered leaves in between the buds. Cut them (most of them) outside but retain them.

They're smokeable. However, they are used to make hash or butter.

The cleaner your buds are trimmed by you, the better they will look like. And the nicer they'll be to smoke.

Dry gradually, but not too slow.

For instance, a fantastic way is spreading your buds on paper and leaving them into a room. They will dry slowly.

It's a terrible idea to dry the cloth or in an oven. It will taste just like hay after.

But if they dry they might catch.

Drying them will make them create a smell and taste. Slow drying will make them more straightforward to smoke.

Your buds should feel dry after around seven days. Then you set them into a big plastic bag over night (don't compress).

On another morning they'll feel dry. Leave em dry for another 12 hrs and set them into the plastic bag.

Gently slow down the drying process.

Buy the Ideal Marijuana Grow Equipment

At some stage the material is dry to the stems to snap. They ought to make a good 'crack' sound.

This is the opportunity to quit drying. You do not want to make it 100 dry. Because some slight humidity is needed for the healing process.

You smoke a few and can now go. But it will not have its entire strength.

Curing. Freshly dried Marijuana can be consumed. It will have an impact.

However, it could be a good deal better.

On the subsequent 2 -- 4 month or so, chlorophyll wills decrease and boost THC + other substances that are active.

Meaning the substance gets easier to consume and potent in its effect.

Curing is performed in glass jars. Glass is impartial, plastic could leave its taste on the buds.

Put into glass jars and keep them in a dark place. Open the jars every couple of days to let in some oxygen.

This process is a bit like wine or cheese making. There are no rules. Make your own.

[dailysmscollection]

How Afterpay's Nick Molnar taps into Millennials' spending habits and wallets

Anthony Eisen was working late into the night in the receiving area of his Rose Bay home in Sydney's eastern rural areas, rebuilding the advantages of the Guinness Peat Group, when he saw one more night owl beavering ceaselessly in the receiving area of a house over the road.

It was Nick Molnar.

It was 2012, and the business understudy at the University of Sydney was stuffing bundles with adornments from St Michel Internationale, the store keep running by his folks, Michele and Ron, at Wynyard Station.

The inquisitive Eisen moved toward Molnar on the pathway one morning.

"He truly came up to me while I was taking a heap of boxes to the mail station and stated, 'I see your light on consistently. I don't intend to pry, yet what do you do?' " Molnar reviews.

Notice

The youth clarified that he was disseminating the family adornments on eBay. Eisen was transfixed and chosen to open his business systems to the youthful computerized sales representative; the very much associated bargain producer was sure Molnar had what it took to end up an effective business visionary.

Eisen acquainted Molnar with John Wylie, the prominent head of corporate warning at budgetary warning and resource administration firm Lazard.

Wylie speedily guided Molnar to Mark Carnegie, the Paddington-based financial speculator. Following a half year of tutelage via Carnegie, Molnar was profiting offering arm ornaments and rings for $150 a fly than he would have done filling in as a first-year speculation investor at Lazard.

Carnegie revealed to Molnar he had an opportunity and ought to get out and fabricate a business. To give him certainty to take the jump, Carnegie said he'd hold Molnar's activity for a half year, on the off chance that things didn't work out.

Lazard supervisor John Wylie acquainted a youthful Nick Molnar with financial speculator Mark Carnegie.

Lazard supervisor John Wylie acquainted a youthful Nick Molnar with financial speculator Mark Carnegie. Michael Dodge

Molnar never returned. He didn't need to. After five years, he's the CEO of Afterpay, a retail installments benefit venerated by Millennials. Afterpay's market capitalisation on the ASX had swollen to $1.7 billion toward the beginning of March. Molnar, now 28, has been launch onto the Financial Review Young Rich List: he and Eisen each possess 15 for every penny of the value.

"I revealed to him he would suck as a speculation financier, thus clearly be a star as a business person," Carnegie says. "I said to him: 'For what reason accomplish something soul-devastating as opposed to accomplishing something few individuals are put on earth with the ability to do?' "

So Molnar left MH Carnegie and Co in Underwood Street, and chose to get off eBay and construct something genuine. In 2014, he arranged an arrangement with US-based Ice.com, and was soon circulating $2 million of gems a year through iceonline.com.au.

Notwithstanding the development, Molnar was scratching his head around one baffling metric: out of 100 guests to the site, just a single made a buy. That made them ask an indistinguishable inquiries from different retailers attempting to get by in the ferocious, Amazon-ruled universe of online business: how might I change over more guests to deals? How might I drive the normal request up? How might I build rehash buys?

Investor Mark Carnegie coached Nick Molnar for a half year.

Investor Mark Carnegie coached Nick Molnar for a half year. Louise Kennerley

Eisen and Molnar made up for lost time a ton in the principal half of 2015, frequently around Eisen's kitchen table.

Key mental understanding

Molnar was resolved that Millennial clients would be quick to pay for things in portions, to smooth out their installments. Discussions with peers uncovered an antipathy for credit.

New advances could succession installments, giving moment satisfaction to the client while additionally speaking to their feeling of limitation.

From left: David Hancock, official chief and gathering head, Anthony Eisen, official executive, and Nick Molnar, CEO ...

From left: David Hancock, official chief and gathering head, Anthony Eisen, official executive, and Nick Molnar, CEO of Afterpay. James Brickwood

"I have this thought," Molnar said to Eisen. "It's a client driven administration for Millennials that can enable them to spend dependably and furthermore enable retailers to offer more stuff.

"It's called Afterpay."

It is a misleadingly basic idea. Remarkable in the commercial center when it was propelled in mid-2015, Afterpay depends on an understanding into the brain research of the spending mind: Millennial clients give off an impression of being all the more eager to purchase on the off chance that they can pay $50 four times instead of paying $200 once.

Afterpay pays the retailer for the merchandise and takes a fourth of the price tag from the client, whose charge or Visa has been connected up to the administration (85 for each penny are platinum cards). The client pays the staying seventy five percent in three portions paid fortnightly, for a six-week installment cycle.

Scratch Molnar in 2016 at his adornments business dispersion focus.

Scratch Molnar in 2016 at his adornments business dispersion focus. Michele Mossop

On the off chance that the client pays on time, they don't pay anything more than the sticker price. Expenses are charged for late installments. The retailer pays an expense of between 4 for each penny and 6 for every penny of the deal to Afterpay.

"It was established on a conviction that on the off chance that you could separate the cost and give individuals greater adaptability, it would be seen as a rebate," Molnar says. "Perhaps it was as basic similar to a Millennial; I just knew it felt right."

The intrigue free model has been massively well known; development in client and retailer numbers has been touchy. In under three years, Afterpay has pulled in 1.5 million buyers, and 12,000 retailers. Annualized deals are $2 billion, and developing. The organization's name is presently utilized as a verb.

An astounding 25 for every penny of all online retail attire exchange volumes in Australia – and 8 for every penny of all online retail – is being paid for utilizing the stage.

While its foundations are in design, Afterpay is growing to other retail areas, from products to administrations, and from web based business into physical stores. Its cell phone application, propelled in 2017, has been downloaded by 1 million individuals, making a group of customers who are progressively utilizing Afterpay as a catalog to figure out where to shop.

Afterpay makes around 80 for every penny of its income from retailers while 20 for each penny originates from late charges. Late payers are closed out of the stage. So dissimilar to rotating charge card offices, once clients are late, they can't amass more obligation.

"Customary fund is based on profiting from the client," Molnar proceeds. "Be that as it may, we said we needed to be unashamedly client driven, so we will charge the retailer an expense. What we do isn't about fund, it is about retail."

Afterpay says more than 15 for every penny of all Australian Millennials, the companion now matured in the vicinity of 18 and 36, are its clients. They seem faithful; more than 90 for every penny are coming back to utilize the administration every month. One client, a female in her 20s, says she utilizes Afterpay to pay for the odd extravagance and it improves her vibe about making a buy. "I can bear the cost of a $200 dress," she says. "I can't legitimize it."

Afterpay official executive Anthony Eisen and overseeing chief Nick Molnar at the ASX coast in May 2017.

Afterpay official executive Anthony Eisen and overseeing chief Nick Molnar at the ASX coast in May 2017.

Afterpay touches base when other retail installments tasks at the purpose of offer are multiplying. Other "purchase now, pay later" contributions, for example, Openpay and ZipPay, are in the market, while there are likewise new credit items, as ZipMoney.

Then, worldwide innovation monsters, for example, Apple, Samsung and Google's Android are putting forth advanced wallets connected to installments cards on their cell phones. Worldwide card plans from Visa and Mastercard are lifting advancement, as Chinese internet business monsters, for example, Tencent and Alibaba additionally push into installments.

However, while a variety of new installments alternatives are developing, it has been Afterpay's quick development that is making prepared financiers apprehensive, as they worry about another brand remaining between both their retail and shipper clients.

"Afterpay's development has recently been extraordinary, it's extremely overwhelmed us," says head of business saving money at one of the enormous four banks. "We have been endeavoring to work out what is driving it."

Conveyance and results

At the point when BOSS visits Afterpay in the in vogue Sydney suburb of Surry Hills on a Friday evening in February, the Red Hot Chili Peppers are pumping on a sound framework as an arrangement of Technics vinyl decks sits sit out of gear in the focal point of the open-design office. The lobby stairwell is decorated with spray painting.

A growler of Young Henrys sits on one of the developer's work areas (apparently loaded with water, hydration for the day's coding). Neighboring is a mass of motivational qualities about diligent work and client anti-extremism. The glass mass of the meeting room is embellished with many logos of a portion of the greatest retail marks in the nation.

Afterpay has 50 staff in Sydney and another 200 in Melbourne; Molnar says culture is a result of conveyance and results.

Anthony Eisen and Nick Molnar ended up in the spotlight when it was uncovered that underage youngsters could utilize ...

Anthony Eisen and Nick Molnar ended up in the spotlight when it was uncovered that underage youngsters could utilize Afterpay to purchase liquor. David Rowe

It's Eisen who handles huge numbers of the everyday business issues, as Molnar centers around deals and advertising, and fronts retailers and clients; understanding his own particular constraints, Molnar says his association with Eisen is one of visually impaired trust. afterpay stores

Vital to Afterpay's initial achievement has been the accomplished, relentless managing an account hands that Molnar has had put around him.

Read More - https://www.hr-sports.com.au/

One of them is David Hancock, previously a speculation investor at Citi and JP Morgan and an institutional broker at Commonwealth Bank, bef

[kyleresdw019-blog]

Home Improvement Tips: Ways to Increase the Value of Your Home

House advancement tasks usually start with an individual indicating, "Wouldn't or not it's awesome if... ?" normally followed by a would like for any remodelled kitchen area or perhaps a home addition for House to support each and every family member's desires. More often than not, fact and desires Do not coincide, due to limited money for noticing the dream, or limits around the accessible Place. The trick: turning your dreams into fact. Start with a realistic evaluation of your preferences. Homeowners commonly take into account house advancements for certainly one of the next factors.

You could possibly truly feel the need to update a thing that is out-of-date. If the kitchen area colour scheme was best a number of many years ago but no more will work, now may possibly a very good the perfect time to update it.

Some property advancement assignments improve away from a direct have to have to switch damaged or inefficient fixtures. If a sink, tub, or bathroom has to be replaced, take into consideration Profiting from the opportunity to do a makeover on your complete toilet.

Should you be making ready to promote your house, you will need To make sure to acquire leading dollar within the sale. That's great drive for some home enhancement assignments.

You've determined that being place and improving your private home is a much better choice than transferring.

Your family has grown and you'll need extra space.

Improving upon to Move? or Enhancing to remain?

Evaluate your strategies meticulously should you be increasing your property to list it available for sale. Cutting corners may well damage your potential clients in lieu of supporting them. But Do not go overboard both. Prospective customers may perhaps prefer not to purchase some of the extras, such as a hot tub or pool. You're much better off holding the changes uncomplicated.

And remember that customers who watch your private home may well not share your preferences and may not appreciate the treatment you took to uncover just the appropriate shade of green paint for the walls.

You will find that strengthening to provide is less complicated if you can consider it in the potential purchaser's perspective: What is significant to the house customer? Here are some remodelling assignments customers are prone to find useful:

Including or remodelling a tub

Enhancing the kitchen area

Adding a whole new place

Landscaping

Incorporating a bedroom

Introducing or enclosing a garage.

If you're remodelling since you want to remain in your home, you'll want to even now keep away from more than-bettering it. You will likely need to market it sometime, as well as if your property is the best on the block, it could be tough to encourage opportunity customers to purchase the belongings you viewed as critical. And when you consider generating advancements, keep in mind the worth of other homes in the region. Your house's worth really should not be in excess of 20% previously mentioned the average, which implies that a $10,000 kitchen area enhancement project very well can be a better investment decision than the usual $ten,000 incredibly hot tub, particularly when yours would be the only home in the region that has a scorching tub.

Household Upkeep compared to Dwelling Enhancements

It really is unfortunate that some house advancement assignments are carried out since one thing has damaged. Replacing a leaky bathtub could possibly be step one to A serious bathtub remodeling: For the reason that tub has got to get replaced anyway, why not do The complete area?

When that might certainly be a reputable motive to remodel, steer clear of basing your property advancement projects on rapid requires. You will be far better off in the event you lower issues with appropriate maintenance. Examine every single Element of your house at the very least once a year. Examine the roof, the plumbing, electrical wiring, etcetera. When grow to be mindful of a dilemma, fix it. Earning repairs when you are to start with conscious of them will let you stay clear of bigger expenses afterward. Take into account that routine maintenance doesn't increase to the worth of your own home. Generally repairs are usually not advancements; they are necessities.

Employing Gurus May Conserve You Time and cash

It must go devoid of expressing that household jobs might be expensive, so you may be tempted to tackle them by yourself as a way to save cash. Which may be a sensible shift for small tasks. You won't should hold out for somebody to fit your property into their occupied agenda, and you may boast about acquiring accomplished the operate by yourself.

But Unless of course you might be very flexible, important home improvements are far better left to industry experts. If you choose to remodel the kitchen area and want to do the function by yourself, will you be able to cope with the plumbing, electrical, and carpentry work yourself?. And remember that you're going to will need to finish it speedily, simply because you will not likely Possess a kitchen as long as it's a "do the job in method" and ingesting a few meals each day in dining establishments could get costly. Have in mind, do-it-on your own jobs frequently choose more time. And you'll be responsible for obtaining all the necessary permits and inspections.

Using the services of Individuals who have the expected practical experience could help you save income and time, way too. As an example, these pros can assist you have a personalized glimpse working with stock solutions, and which might be a substantial cost savings. Getting a little something carried out appropriate The very first time will give you value that lasts For some time.

To find capable and dependable property enhancement specialists, Look at with buddies, company associates, and neighbours for tips. Always get no less than a few references, and check them out comprehensively. Also Test with the regional chapter of the Better Business enterprise Bureau or Chamber of Commerce. Their numbers are available within the community expert services part of your telephone ebook.

Once you've located the required household advancement professionals, be sure everyone is in settlement about the design, the timetable, as well as price range, and get the main points down in producing in the signed deal.

It's also intelligent to check on Specialist certifications and licenses, where demanded, and be selected the contractors you employ the service of are absolutely insured and bonded. Your city or town Building Division can offer that info. And It truly is extremely important that you choose to make sure contractors have employees' payment insurance coverage: if employees are wounded on The work, you will not be liable In the event the contractor is covered. Ask for copies of their coverage certificates. And make sure that both you or your contractor have gotten any essential permits prior to the work starts. Speak to your neighborhood Scheduling and Zoning Fee for info.

This is a quick overview of a few of the pros you might require to operate with whenever you remodel your home:

Architect: Architects layout residences or additions from the foundation for the roof. In the event your venture would require structural changes like introducing or removing walls, or if the design is advanced, you'll likely need an architect. Considering the fact that architects could cost an hourly or even a flat fee, ensure you get an estimate of the total Charge: drawing up the programs for a major remodeling challenge will take 80 several hours or maybe more.

Contractor: The contractor oversees the home enhancement task, such as choosing and supervising workers, obtaining the necessary permits, ensuring inspections are completed as required, and providing insurance plan for get the job done crews. It is really usually a good idea to get proposals from one or more reliable contractors, according to the specific facts within your venture.

Be certain Every single contractor bids on exactly the same system so as to Review their bids far more quickly. After you've picked a contractor, make sure the deal specifies that you will fork out in phases. You can generally pay out one 3rd when the deal is signed so that the contractor should purchase supplies. The selection and timing for generating the remaining payments will rely on the scale with the task. Don't make the ultimate payment till the many function is successfully accomplished, inspected, and accepted.

Inside Designers: Inside designers are professionals who will offer assistance on furnishings, wall coverings, colors, styles, plus much more. They assist help you save you time by narrowing your selection, and cut costs as they typically receive Specialist special discounts from their suppliers. When Assembly using an interior designer, be sure to inform them about your individual fashion and Tastes. Be expecting to pay between $fifty to $150 for every hour, or else you could possibly negotiate a flat charge of somewhere around twenty five% of the full job Price tag.