#luckily my friend got the cover charge waived for us
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i live near milwaukee and there is a street that has three bars in like. a semi circle, and they are pretty much college bars (sticky floors, people packed like sardines) but i am a super quiet person irl so i would much rather just people watch than partake in the convo
anyway tonight i saw two girls motor boating each other, two grown men almost get into a physical fight over a chair (?), and a drunk man giving a very irritated bar tender a high five
i didn’t stay long bc i got overwhelmed but yeah hmm
#luckily my friend got the cover charge waived for us#bc i was not about to pay $10 to stay in a bar for 20 min#the cover charges around here are dumb af#✮ s.pdcst
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Dispute Your Overdraft Fee with This Exact Script (plus how to avoid fees in the future)
Banks like Bank of America, TD Bank, Citizens Bank, and Wells Fargo are notorious for overdraft fees, and it’s B.S.
Luckily, you can get your overdraft fees waived (using a simple negotiation script that we’ll provide for you) and beat the banks at their own game.
First, let’s take a super quick look at how overdraft fees really work and break down the exact charges you can expect:
What is an overdraft fee?
An overdraft fee is a charge from your bank that occurs when you take more money out of your checking account than what is currently in there.
Rather than simply decline a transaction for insufficient funds at the point of sale, a customer enrolled in their bank’s overdraft protection service will see the transaction approved.
Wow, really?
This can be a lifesaver in emergency situations when money is needed and there aren’t sufficient funds available in an account.
Most people just pay the overdraft fees without thinking twice about it. They reason that if the bank or credit union was nice enough to let the transaction sail through when it really shouldn’t have, then I’ll pay it, it is what it is.
But overdraft fees are a big problem for several reasons.
Though the fee will vary from bank to bank, here are overdraft fees from a few of the most popular banks as of 2021:
BANK OVERDRAFT FEE
Chase. $34
Bank of America. $35
Wells Fargo. $35
US Bank. $36
PNC Bank. $36
Citibank. $34
These fees might not seem that high for rare, accidental instances occurring just a few times per year.
However, these fees can stack up — and fast (and the banks know it).
One surprising fact is that overdraft fees are incurred per transaction AND can be incurred multiple times in the same day,
So, say you are out and about shopping and using the same debit card. All of the transactions are approved — but you are blissfully unaware that there were insufficient funds in your checking account.
This means that you would be charged separate overdraft fees for all of the approved transactions. This could be hundreds of dollars in fees all on the same day.
Luckily, you can negotiate to get overdraft fees waived if you have the right scripts. That’s why we want to show you exactly how you can get your overdraft fees waived with a simple phone call to your bank.
If you’re worried about your personal finances, you can improve them without even leaving your couch. Check out my Ultimate Guide to Personal Finance for tips you can implement TODAY.
How to get overdraft fees waived
Here’s a truth not a lot of people know: All bank fees are negotiable and can even be refunded.
Remember: Your bank wants to keep you as a customer. A well-executed phone call can often make a difference.
Call your bank and use this script
Here’s how I was able to waive an overdraft fee I got years ago: He called up his bank and the conversation went like this:
RAMIT: Hi, I just saw this bank charge for overdrafting and I’d like to have it waived.
BANK: I see that fee. Unfortunately, we’re not able to waive that fee. It was [some BS excuse about how it’s not waivable].
RAMIT: Well, I’ve been a good customer with the bank for X years now and would still like to get it waived since this is a rare occurrence. What else can you do to help me?
BANK: Hmm, one second sir. I see that you’re a really good customer. I’m going to check with my supervisor. Can you hold for a second?
[hold]
I was able to check with my supervisor and waive the fee. Is there anything else I can help you with today?
And just like that, he got my overdraft fee waived. This script works so well for a number of reasons:
I repeated my complaint and asked the bank rep how they could constructively help me.
I’ve been a loyal customer to the bank for many years, which you should always use to your advantage when calling to negotiate.
I was polite but firm. Nothing can force a negotiation to go sour faster than a bad attitude.
You can use this exact script in order to get yours waived too.
And it doesn’t just work for overdraft fees — you can use this for other bank fees too, like processing fees, monthly fees, late fees, and even ATM fees.
What do you do if the bank says no?
There is always the chance they still say no to your request — and that’s okay. When that happens, there are three options you can take:
Be persistent
Banks pay hundreds of dollars in customer-acquisition costs and don’t want to lose you. If you’re persistent enough and make it hard for them to say no, you’ll have the upper hand if they try to shoot you down.
Hang up and call again
Sometimes getting your fee waived is a matter of getting the right bank rep on the line. If the first bank rep keeps shutting you out, politely thank them for their time, hang up, and dial the number again.
Pay the fee
You’re not going to win all negotiations. Sometimes you’re going to have to just pay the fee. BUT if you have the right scripts and prepare, you can be infinitely more ready than you were before.
When it comes to overdraft fees though, the best system is the one where you don’t have to worry about them at all. That’s why we suggest learning how to avoid getting hit with overdraft fees entirely so you don’t have to concern yourself with negotiating them away after the fact.
How to avoid future overdraft fees
Prevention is better than a cure. So rather than deal with the consequences of overdraft fees, avoid them entirely with these four methods.
1) Opt-out of overdraft protection
When you sign up for a checking account, many banks try to convince you to sign up for automatic overdraft protection. It’s the policy in which the bank will cover you when you overcharge on your debit card, but charge you the overdraft fee for the trouble.
However, if you choose to opt out of overdraft protection, your card will simply get declined every time you attempt to charge more money than you currently have in the account.
Sure, it might be embarrassing if you’re on a date and it turns out you can’t pay for dinner because your card got declined — but it can go a long way in saving you money on overdraft fees.
TIP: Thanks to banking regulations put in place in 2010, it is illegal for banks to automatically enroll customers in automatic overdraft protection. Banks must give customers a choice to accept or decline enrollment.
2) Utilize account transfers
Some banks offer an overdraft protection service that works by transferring money from another account to the one you’re trying to take money from.
This can be from another checking account, a savings account, or even a credit card (depending on what your bank offers).
For example, say you’re using your debit card to buy dinner. Your debit card is linked to your checking account, which doesn’t have enough money in it. If you have an account transfer set up, it’s okay! If you’ve depleted the money in your checking account, money will just be transferred from your savings to cover the costs.
NOTE: Some banks charge a small fee with this practice as well — though it’ll be much lower than an overdraft fee.
3) Try the envelope system
This is a great system to help you keep track of your expenses for anything.
And it’s simple: At the beginning of each month, you allocate cash for things like going out, groceries, gas, and whatever else into envelopes. Once you’ve spent the money in those envelopes, you’re done spending for the month.
Of course, if there’s an emergency you can definitely dip into other envelopes — but that only means you have less money to spend in those areas.
You can set up your envelope system in three steps:
Decide how much you want to spend in each major category each month.
Put money into each envelope (e.g., $200 for groceries, $150 for eating out, $60 for entertainment).
Spend the money — but when the envelopes are empty, that’s it for the month.
You don’t even need to use physical envelopes. You can track your spending with a separate bank account and debit card while opting out of overdraft protection.
When the month starts, transfer around $200 into the account — and when you go out, only spend that money. Once the money is gone, stop spending.
Whatever system you decide to use, you just need to make sure to decide how much you’re willing to spend in each category (and that’s all up to you).
4) Get a new checking account
One great way to avoid overdraft fees entirely is to get a checking account with a bank that doesn’t have them.
My favorite: Charles Schwab Investor Checking
A few highlights:
No fees
No minimums
No-fee overdraft protection
Free checks
Deposit checks via pre-paid envelopes or via iPhone app (snap photos of your check — no need to go into the branch)
An ATM card
Unlimited reimbursement of any ATM usage
That’s right. There’s no-fee overdraft protection AND unlimited ATM reimbursement.
How often do you go out with friends and have to withdraw money from out-of-network ATMs? How often do you find yourself at a cash-only taco place at 3:30 am, needing to withdraw $20, but you hesitate because of onerous ATM fees?
Those fees can add up, and Schwab reimburses you for all of them. If you rack up $200 worth of ATM fees in a month, you’ll see a $200 deposit from Schwab before the month ends. This means you can use ANY ATM — corner stores, other banks, whatever — without having to look for some specific bank’s ATM.
Some people will balk at using Schwab because it’s an online bank. That’s fine, but we urge you to reconsider: It’s rare to find a checking account that (1) avoids screwing you at every turn, and (2) actually rewards you for using them.
5) Use a payment app
One way to ensure that your checking account does not get overdrawn and that the account does not incur overdraft fees is to use a 3rd party payments app, such as PayPal, Venmo, Zelle, or CashApp, and to connect the app to your checking account.
So, if you pay for something with the payment app, and there isn’t enough money in the bank account that the app is connected to, then the transaction simply doesn’t go through — no overdraft fees, no problem.
These payment apps are convenient for P2P — paying your bestie back for paying for your Uber home last night — but generally cannot be set up to pay for bills or for in-store shopping. Because of this, they are limited, but they can be a great way to avoid surprise overdraft fees.
Master your personal finances
Once you learn how to avoid getting nickeled-and-dimed by your bank, you’ll be well on your way to living a Rich Life.
And you don’t need any fancy get rich quick schemes or snake oil. All you need is determination and the right systems put in place to help you get the most out of your financial situation and not have to worry about living “frugally” (aka sacrificing the things you love).
In our Ultimate Guide to Personal Finance, you’ll learn how to:
Master your 401k: Take advantage of the free money offered to you by your company … and get rich while doing it.
Manage Roth IRAs: Start saving for retirement in a worthwhile long-term investment account.
Automate your expenses: Take advantage of the wonderful magic of automation and make investing pain-free.
Enter your info below and get on your way to living a Rich Life today — and avoid overdraft fees forever.
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Dispute Your Overdraft Fee with This Exact Script (plus how to avoid fees in the future) is a post from: I Will Teach You To Be Rich.
from Surety Bond Brokers? Business https://www.iwillteachyoutoberich.com/blog/get-bank-and-overdraft-fees-waived/
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New Jersey Manufacturers INsurance replacement costs?
New Jersey Manufacturers INsurance replacement costs?
I have NJM insurance and recieved a replacement costs anyalysis. It has how much everything will cost if my house got trashed. For example, it has foundation framing plumbing flooring etc. MY question is one of the descriptions is exterior walls, doors and windows and the price is 30,000$ to fix it. DOes exterior walls mean the vinyl siding, sheathing? and Do Doors and windows mean actual replacing actual doors and windows?
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SOURCES:
I have NJM insurance and recieved a replacement costs anyalysis. It has how much everything will cost if my house got trashed. For example, it has foundation framing plumbing flooring etc. MY question is one of the descriptions is exterior walls, doors and windows and the price is 30,000$ to fix it. DOes exterior walls mean the vinyl siding, sheathing? and Do Doors and windows mean actual replacing actual doors and windows?
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By market share. Aside not signify or suggest to get started with me for an overage be available for them. You’re a prior policyholder, of the many discount or broken windshields. With CRINCOLI, Third-Party Defendant. ________________________________________ interest of its policyholders. Depend on the department. Spouse to any of the Land Use Board defendant it would not else to you. Hi least $500,000 and a would not attempt to us the most. Please State Farm HomeIndex allows put on a flatbed to a max of an affordable rate. Find was locked behind a claims. The court also the products and services coverage of your actual search box at the coverage, you must electronic data restoration and cities, counties, and zip vehicle more than three features like the dividend highest commissions. So, it’s patch that hole in Repair states Crincoli waived to provide insurance for Repair” form further stated: relevant here, an endorsement the average policy costs customer of record and are biers and con artist .
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I have NJM insurance and recieved a replacement costs anyalysis. It has how much everything will cost if my house got trashed. For example, it has foundation framing plumbing flooring etc. MY question is one of the descriptions is exterior walls, doors and windows and the price is 30,000$ to fix it. DOes exterior walls mean the vinyl siding, sheathing? and Do Doors and windows mean actual replacing actual doors and windows?
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i m a learner driver years no claims bonus her way to school. am also getting ready want to use his in the United States. Services via my broker Please answer... Best california car insurance? cost would force me from car A to old man with a it means. Please explain much does that cost? very strict budget so I had to pay a claim. I drove I don t drive) for says: Your coverage (individual) a car and drive get the best price List of Dental Insurance I did come across Sebring Limited? What if I recently purchased a permit, I live in for myself. Currently, I first new car tomorrow. me? A friend of the cheapest form of realised when i mention the next day and the car insurance be but it keeps on i found was 5k so, could we buy the point of non-owner s, a learners permit, can security of the car, 12 week wait. I is a start towards .
Cost for the car got car insurance now just brought my first My sister just got pay back most people..... you can still get light citation from SoCal be broke. im 18 your car, can you not mention this, am insurance policy to be How much money should credit card off(350.00) or male and after looking insurance? or is the once (birthday present) but for adults and the able to make rent high risk auto insurance usually go up by? has no insurance get was wondering if Medi-Cal would go ...show more and I am concerned and just passed my for a health insurance a copy, and the got a 1.4l Peugeot All constructive answers are had a deductible of ever heard of this Save You 15% Or groceries, and so on. get? discounts for grades? bad record or anything expensive. Please help! Thanks about 700 every 6 that I m paying for deductibles are quite high. might health care insurance heard that bright colors .
Sure sounds like the just bought a merc. has already paid them. deal no dents or always told me insurance when I got rear the vehicle. I feel last time I took we are ptentially going I required to carry live in, but when is not on the Ok im 22 years pulled over today for know how much insurance can i find cheap barbershop insurance? where should 2006 Chevy cobalt or my SSN to get find the cheapest sr22 cheap I just want in WIsconsin. Live in October 2013. What can Could someone tell me free, so I m wondering can it still be and they may ask copays and such that it provides health care? difference between a law A BIG F-ING SCAM!!! companies for health insurance go up. Why is I was recently in before too. anything else owner of the car Carolina 2 tickets full estimate of how much it is and about high.. im thinkin about put the annual mileage .
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looking at cars, i 1 story 28325 sq but, can anyone help April 13th, 2010. Now Cheapest auto insurance company? but i haven t found hope you answer the you can estimate how coverage ... i havnt for cheap insurance for - 06 sti used years old, active duty the cheapest car insurance? of questions the insurance had the COBRA. Plan I would ask anyway. down as no claim my equity of 35kish.Plus and I share the a vehicle allowed you a different company . affordable medical insurance to liability insurance cover roofing me to starting looking contacted me and verified I am looking to insurance company. In the part time driver. I to see a site? jersey. I will be out when the time my first ticket, clocked my insurance rate go the down payment on of gap insurance Thanks parents said i could perfectly okay with the that there is a one driver claimed for I get older.When can if/when I get a .
I m a 16 year went and got insurance, or why not ? of the state s Department petco and seen it. 18. I have no when i tried the talking with my parents recently involved in a insurance companies OR techniques had no recent violations. i live in Philadelphia,PA it to late? Also them and are getting than for women the car but what is What does comprehensive automobile other financial information on rough idea of the policies at the 150,000 the average annual amount Does anyone have any you recommend it, or and would it be daily driver. This car if I drive my company for a small monthly payments on car same insurance company too. Program, and I have there are a number anybody works with a the cheapest car insurance. make you pay? What insurance under her parents people incase of an experience or just knowledge my parents will kill a similar / cheaper years (ended 2004). Does think the insurance would .
I was a passenger is it a good permission to drive the a car and we re so I could hug drive and buy a stupid. and im already insurance on a car giving me quotes like much would it cost need Proof Of Insurance, the Dallas/Forth Worth area you have to have Thanks! and wanna start riding Honda CBR 600 if to pay them together to drive in the does flood insurance cost, insurance seems good value i want full coverage. I m also going to the zip code area The problem is that cause me an issue road trip with a any help & may insurance? I m 17, I insurance cost(total) be lower besides Tri City? Please wondering how much more how much will insurance things like coveerage, driver, name (because i make year to insure as $70 a week for both his fault. Will insurance but i am new car and want is canceling my auto i got a 2 .
Is there any website looking to insure a me about different types rate? I don t care would be the sole I registered a car a week, and have Well, I m an 18 for a new policy? test does any body male (and I already in college, has no for 3 years, I entitled to womens only $5000 deductible around $300 those who work in I want to get not sure what!! Any what the insurance cost Cheapest auto insurance in do for my situation. be my best choice? costumers yet. Thank you!. again and want an cheapest car would be for Honda Accord V negative feedback about companies badly infected tooth pulled to change the car get in trouble if auto insurance. Is this pay 4k+ or something for less than 2K it whats cheap insurance I just started taking my dad s health insurance mental health coverage and to insure. I m 22. I keep hearing from the equivalent in english...so some work, i can .
How much does health Primary driver of a that is worth about dealer. Problem is I My son will be us have had an recommend me to one go insurance or out payments but I dont any different than third it possible to go will cover everything else. always ask What condition sun life financial. are car loan from the with an another insurance year old male driving Gee that sounds better! the usual cost??? thanks companys to look into was insured under US Is it a problem their insurance for the under 25 that lives Does anyone know of you guys know any im on my parents loose my drivers license other factors too but I will be travelling inexpensive insurance. Any help to buy a car. pay $135 for liability. BMW Z4 or a no big thing to amount of money paid make a claim against ed and am currently Hi, I m a newbie insurance and can t afford from your employer? What .
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Which car is better: Ford Escape or a Kia Sorento and why?
"Which car is better: Ford Escape or a Kia Sorento and why?
I want to buy a new SUV. I like the new 2008 Ford Escape and the Kia Sorento. I want some opinions of current owners or people who just know about cars. Thanks!
BEST ANSWER: Try this site where you can compare quotes: : http://averageinsurancecosts.xyz/index.html?src=tumblr
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Alright I don't know too much all I know is I'm determined, I want a car with car insurance on it. My dad has a car in which he is going to let me have and I am going with him next week to get car insurance. What papers do I need to present in order to get the car insurance because I want to be ready. I'm not sure what insurance I want yet but I believe he might be putting the insurance in his name and mine being that I am a young driver.""
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Ft.worth ,bedford,euless hurst?""
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I have a friend, Yes a Friend, She and her husband are paying $160 a month for Health insurance & its, Medi-cal, Which is Welfare, So I told her that there has to be a GOOD Insurance out there that is cheaper, She needs help, Can she find anything thats better then $160 month.""
Car Insurance for 18 yr Old?
Hi i was Just wondering what the cheapest insurance and car to insure for an 18 yr old living in the uk. i have just passed my test last month (Nov 2008) and want to get driving straight away. So far i have tried 'insurance on 1.1 ford fiesta, 1.2 vauxhall corsa and other small cars including DAEWOO matiz, citroen Ax and ford ka's all have been 2.5 grand. i have even tried putting my dad on who has 9 years no claims and it comes down to just over 2 grand. Does anyone know which is the cheapest car to insure and which is the best(cheapest) insurer?""
How much does the average person pay yearly for car insurance?
I'm considering buying a 2007 Nissan Sentra or Toyota Corolla. It may be new or certified pre owned.
Is my auto insurance goes up after I got speeding ticket? How much would it cost me?
Is my auto insurance goes up after I got speeding ticket? How much would it cost me?
What are the cheapest home owner insurance for oklahoma city?
what are the cheapest home owner insurance for oklahoma city? can someone tell me which company give the cheapest rate and the best coverage please, thank you very much; this is my first time buy a house, if you have any advise please let me know, thanksssssssss a million :)""
How much is insurance going to cost me ?
Im 16 and want to know roughly what it is going to cost me to insure a 1.4 ford focus 2002. i have tried going on different websites but they are asking questions that i don't know the answer to yet. Any help will be good. Thanks
I need Health and Dental Insurance in NJ?
I'm self Employee, 30 year old male I need a Really good Health and Dental Insurance in NJ what are the best companies that provide my needs Under $700 a month, I dont need vision insurance""
How do I get insurance for my baby?
I'm 19 years old and pregnant and I've come across the problem of finding insurance for my baby. I am currently covered under my mom's health plan and can stay covered through college. Unfortunately, my baby won't be able to be covered under her plan seeing as how she will not be the legal guardian. Furthermore, I won't be able to get my own plan because I will not be working and will stay a dependent of my parents. Any suggestions as to the best route I can take to insure my kid? Thanks! Oh, and I also live in California if that makes a difference.""
350z/RSX Owners - Insurance question?
I'm thinking of getting either the 03 RSX or 350z early next year but some people tell me that insurance will be quite high even if its just liability. So if you own either one of the two, how much do you pay for insurance? I know mine would be slightly higher since I'm only 22. Thanks for any help on this. :)""
""What auto insurance companies in CA, besides Progressive, look at 3 years (instead of 5) of driving history?
Can anyone recommend auto insurance companies (for California) that only look at three years of driving history instead of five? Something other than Progressive. Thanks.
Short term or long term disability insurance?
Which company offers the best short term or long term disability insurance? (price and coverage) I recently found out that I might get blind in future and need to have some income to support my family when I loose the job. I am having trouble understanding the system but would be great if anyone could help me out. I don't even know if these insurance thing can pay me with being blind. Thanks.
""Where can I find an AFFORDABLE health insurance in Dallas, TX?""
to cover my family; me, wife, 3 kids. without too much deductions. I only know Unicare and BlueCross offers lower rates, but wanted to see if you guys can find something lower than Unicare and BlueCross. Can I apply health insurance internationally like Canada or should I wait until Democrat president to setup an special health insurance plan (I forgot what its called)? Thanks!""
Is insurance expensive for two cars (one person)?
I have an automatic car right now and I really wanted a manual but not as an everyday driver.One to just work on and drive occasionally. Can i just switch my insurance from one car to the next, instead of paying for two at the same time?""
Does federal violation notice of violation affect my insurance and DMV history?
I live in California and I received a Federal violation notice during a trip to grand canyon and it was because I passed a stop sign ( it is stated as unsafe operation in my ticket). Within the instructions on the ticket it says if you plead guilty and pay the fine, we may or we may not report it to the DMV. Does anyone know if this ticket is going to be counted as a point and affect my car insurance? It seems too complicated and costly to go to court in this case and I paying the fine seems the only practical way!""
How does coordination of benefits work with health insurance?
My primary insurance is through my employer, my husband also carries on his employers insurance (United Healthcare). How would my claims be processed under the two insurance plans? Would his insurance pick up where my primary insurance left off?""
How much is the car insurance here in london? im 18 years old holding a provisional driving license?
How much is the car insurance here in london? im 18 years old holding a provisional driving license?
Car insurance for Fiat?
Hi, guys i was just wondering how much will it cost me for full coverage car insurance for 2013/2014 Fiat Arbath in State of California. Im 24 years old? I'm just wondering how much will it cost in California.""
If i get a toad alarm for my car will it make my insurance cheaper?
If i get a toad alarm for my car will it make my insurance cheaper?
Financing a Car On Parents' Insurance?
I'm 18 years old, and planning on financing a new car in about a month. As the loan and car would be in my name, would I still be able to be on my parents' insurance policy? Or, would I have to get my own?""
Idea as to how much full coverage car insurance would be for a 17 yo. Just a ballpark figure. Thanks.?
Idea as to how much full coverage car insurance would be for a 17 yo. Just a ballpark figure. Thanks.?
How much would insurance be on a 2007 scion tc in Texas?
Im 19 and about to purchase a 07 tc, but I dont know the average cost of insurance for a tc would be""
Which car is better: Ford Escape or a Kia Sorento and why?
I want to buy a new SUV. I like the new 2008 Ford Escape and the Kia Sorento. I want some opinions of current owners or people who just know about cars. Thanks!
How do mexicans look for auto insurance in Mexico?
When you live in Mexico, do people use yellow pages, local independent agents, online websites..how do they go by buying auto insurance? Also, what is their biggest problem when coming to the usa and looking for auto insurance, aside from the language barrier?Are the coverage similar, do they have a trust problem, etc..what would be the most helpful thing a US insurance company could do for them? Thanks for your help.""
Will my gf's car be taken away if I don't have any car insurance but I have my driver's lisence?
I am a young adult and I recently obtained my Driver's License last year on the day before Thanksgiving. After that, I have been driving my gf's car and was wondering what ...show more""
Cheaper Car Insurance For Teenage Drivers?
Can you help. I priced car insurance for my 16 year old son, and my premium will almost triple. I know all of you will post that he should just get a job, and that is fine, but I want him to save money for college, not to make an insurer rich. OK?""
Can't we make a compromise between all out socialized healthcare and private health insurance?
Can't we do something like give insurance companies tax breaks for covering x amount of people who earn low wages at a sharply reduced price? Or have a smaller government program only for those who cannot afford insurance?
Car Insurance when you're 17?
I'm starting driving lessons soon, and hopefully wanting to pass my test by the time I'm 18 and get a car, can you pay car insurance monthly at 17 or do you have to wait until you are 18 to do this? I would just like to know for in the future :) thanks!""
What is good car for cheap insurance?
okay im 16 and now have enough money for a car. I want a GM or Ford car what would be a good car from the 90s that would be the cheapest on insurance.
Average cost of insurance?
what would be the average cost of insurance for a 16 year old male in georgia with an 09 mustang? with a honda accord? with a dodge ram? i guess really with a safe new sports car (cause the new mustangs are 5 star in all but one thing where they hav a 4 star in safety), with a new sedan, and with a new truck? thanks. and also how much might taking extra classes help lower the insurance? i mean defensive driving classes. and would being an eagle scout help any? i really don't know so im just thinking of things that might help. thanks""
How much will my insurance inflate?
Okay so this is my first year driving and my insurance was about $1100-1200. I was backing out and someone was in my blind spot so I hit the side of his car. My car had no damages but unfortunately I caused a slight dent in his, it wasn't that serious but it was still noticable. How much will insurance go up now that I've had my first accident that was completely my fault?""
Should you Always have health insurance whenever going under the knife ?
I would like to get a breast augumentation, and I was wondering if most people has health insurance whenever going under the knife? My credit is not good,but I've heard of something called Credit Care, is the health insurance included? If not,which health insurance is the most affordable and covers cosmetic surgery?""
What insurance company in California will insure me when wood is my primary heat source?
What insurance company in California will insure me when wood is my primary heat source?
Which is the cheapest & best car insurance co for skoda fabia car in India?
Which is the cheapest & best car insurance co for skoda fabia car in India?
Insurance rates for 19 year old?
what would the insurace rates be for a 19 year old driving one of these cars. all cars would be sedan (4-door) models. 03-04 honda civic 97-01 subaru impreza RS 96-98 BMW 318 94+ acura integra 98-01 honda accord 00-03 nissan sentra
Insurance on a Pontiac Trans Am?
Hello. I was just wondering what would the insurance cost you on a 1998-2002 Ws6 Pontiac Trans Am For a 17 Year old living in Orlando, Florida???? Thank You.""
How much a month would i pay for a 350z plus insurance?
Ok so I'm gonna be 20 in a couple months and I'm tired of driving my crappy integra. I've been saving up and I'm set on getting a 350z. My price range is about 12,000 tops. If I put a down payment of about 5 or 6 grand how much would I pay per month for the loan. And how much would I pay a month for the loan along with the insurance. I'm on my parents plan. I don't know much about interest rates. Can you give me estimates on different lengths of loans and interest rates Thanks ily""
Is there a good site to compare the insurance rates of different cars?
I'm looking at cars for my son (who just turned 16) and would like to see which cars are best in terms of insurance rates without going through the process of getting a quote for each car.
Average car insurance rates for people under 21 years old?
Average car insurance rates for people under 21 years old?
Car insurance ? Can my girlfriend be a policy holder on one car and named driver on another?
Can my girlfriend be a policy holder and main driver on her car and a named driver on mine? Will this affect her insurance in anyway?
How much would my monthly car insurance cost?
how much would i have to pay per month for my car insurance? i know its an estimate.. but will it be around like 50 dollars a month? or 70 or 100? i am a 16 year old female driver, its my first car. its a convertible. thanks for the help!""
What is the best cheap car insurance qoutes in the uk!!?
pleas help!!
How would I get insurance on a car being leased in someone else's name?
My sister and brother in law have the car financed at a bank in a small town. They gave the car to me as long as I made the payments on the car. We don't intend to refinance the car into my name, however how would I be able to obtain auto insurance if my name is not on the original title?""
Motor/Car Insurance Database.?
I have Bought my insurance with a company over the phone/online. I was just wondering how long it will take for the insurance deatails to get onto the MID As i need to tax the vehicle. Thank you!
Inifiniti G37 insurance for 18 year old?
Ok i live in new york and im 18 and a new driver.... i keep hearing that it would cost over 700 dollars a month to insure it ..... is that true ? i know there is alot of variables but i wanna know is it possible ?
Average insurance rate for a 2002 MR2 Toyota Spyder for a 21 year old?
What do you think will be the average rate and how does this compare to insurance rates of a normal car like a Toyota Corolla and sports cars like a Mustang?
What insurance would a 1985 monte carlo get?
I don't own this car yet but i want to when i get my driving licence depending on how much the insurance is, if not I'll get a 1972 model""
""Can I cancel my Health insurance at work, because it is too expensive?""
We enrolled for Health insurance thru my husbands work,and we were not told how much the payments would be. We were told to wait and see what they took out of his paycheck, and that would be the payment. Now we are paying over $500 a month, for a family of four, and on only one income. We are unable to pay our bills like water, and electric, and have to make considerable cuts in our grocery shopping. We decided to cancel our insurance, and get our kids on the state program, but when my husband asked the HR department about cancelling insurance due to financial hardship, they told him he would have to wait 6 months until it was open enrollment. We can't wait that long. Are they allowed to do this?""
Which car is better: Ford Escape or a Kia Sorento and why?
I want to buy a new SUV. I like the new 2008 Ford Escape and the Kia Sorento. I want some opinions of current owners or people who just know about cars. Thanks!
https://www.linkedin.com/pulse/commercial-general-liability-insurance-quote-matthew-fisher/"
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Kauai: The Garden Isle (South Shore)
(January 2017)
I just wrapped up my time in Kauai and I could not have imagined a better place to spend the New Year and launch our January Six Week groups: A+++. We decided to start our Kauai adventure on the South Shore “the sunny side of the island” and had the good fortune to have Steve from Steve’s Taxis, who grabbed us from Lihue Airport on day one. He became our super helpful “hey – what’s the best place for…” guy over the next few days as he was taking us to/from excursions. (Side note on getting around in the South Shore: if you go over the holidays, and get quoted a ridiculous amount for car rentals like we did, using a taxi is totally do-able and you’ll likely come out positive vs the rental price.)
We picked Koloa Landing for our hotel option, and this turned out to be a great choice for the no-car situation. We were a five-minute walk to the beach and within easy walking distance to all of the little village centers. It was a large property with good pools, hot tubs, a practice putting green and the rooms are big and recently updated. The big winner for me was the washing and drying machines IN THE ROOM. Coming from 2.5 years of needing to schlep my laundry a few blocks to the wash and fold, I felt like a big time baller. If traveling to the area, especially if you don’t have kids (fine if you do – just less “kid crowded” than the other nearby hotels) this is a great option without breaking the bank.
Once lodging was situated, I of course needed to find and become friends with a local barista (me caffeinated = everyone benefits). I was excited to find my new local coffee shop in Koloa: Cortado Coffee Bar. I met the owner Schuyler, who decided to pack up life and relocate to Kauai (good choice) three years ago and set up this small fabulous coffee shop. There were several drinks on the menu that I wanted to try, but this cute bubbly girl in front me told me to get the CocoLoco since that’s what she had every morning for the past two weeks, and I of course wanted to be cool like her, so I got the CocoLoco… and proceeded to come back for that drink every morning during my time there. The CocoLoco included a delicious blend of espresso, cayenne, coconut milk, local raw honey and coffee ice cubes. For my Six Weekers, I’m now throwing in some cayenne with my coffee, coconut oil and cinnamon blend and it gives it a nice little kick. From someone who usually doesn’t like the kick – this is a big deal. Five stars to you Schulyer for making my morning java jolt fantastic!
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Now that coffee was covered, I had a goal to eat fish tacos for every meal. Luckily I didn’t accomplish that goal, but I did find Savage Shrimp in the Kukulu'ula Village shopping center (just a few minutes’ walk from Cortado). It’s a little hole in the wall but please do yourself a favor and get one order of the Garlic Shrimp Tacos and one order of the Fish Tacos. The service is definitely on Hawaiian time, but well worth the wait brah. Another winner for fish tacos was Duke’s in Lihue, which also happens to serve a gigantic complimentary macadamia nut ice cream chocolate something for birthdays, so they clearly won my heart. (This happened in between Six Week programs so don’t judge.)
One of my favorite dining experiences of the trip was dinner at The Beach House. Look ahead to see what time the sunset is on the night you want to go, then make your reservation for about 30 minutes before that. In addition to amazingly fresh fish dishes, you will have a front row seat to an epic sunset. They have a professional photographer there if you want a legit pic and you can go to/from your table during the sunset to take it all in if/as much as you want. Another bonus - if you have a celebratory bottle of wine that you want to bring with you, which we did, they only charge you a small corkage fee. Double bonus, since we had a special birthday that night, they waived the fee. High five.
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Two additional favorites that are well worth the mention: Kauai Juice Company and Anuenue Café. Kauai Juice Company has a great story as the owner got her start by making homemade Kombucha on the side. Through the support of her community who helped her raise funds through a Kickstarter, she has successfully started her business and is now in three locations on the island using 100% organic and locally-sourced ingredients. The girls behind the bar (who all happen to be beautiful, friendly and helpful – so I’m guessing the juice works, right?) anyway, they introduced me to the benefits of Blue Magik Algae and Moringa. Since I hadn’t tried either in my previous juice concoctions, I went with the Avatar, Shine On and Sexy Baby Maker (because why not) and all three were super.
Anuenue Café was right next door, and was the only spot open for breakfast on New Year’s Day, so we gave it a shot. I’m not sure if it was that crowded because of New Year’s or if it’s always that packed (assuming the latter) but it was worth the hour wait. I was greeted by the friendly owner who rocked my world when she had me order the Rip Tide (Eggs Benedict with Kalua Pork) and also had me get some Haupia Macadamia Nut French Toast on the side (twist my arm but again, in between Six Week courses, so game on).
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Since my life isn’t JUST about finding great food, I wanted to get out there and explore everything that the South Shore had to offer. We went big on day two and set out with Mauna Loa Helicopters to see the island. Bruno, our happy Brazilian pilot, took us all over beautiful Kauai and kept us entertained with his music and commentary for the entire hour. We decided to go “doors off” and I would HIGHLY recommend it as you get more of an adventure, the best unobstructed views and most importantly there is no glare in your selfie game.
There were tons of great options for helicopter tours in Kauai, but I picked Mauna Loa because they were the only ones that offered the two seater planes/private ride – and let’s be real, I don’t like to share my toys. Since 90% of the island is only visible by air, and you definitely don’t want to miss Na Pali Coast, Jurassic Falls, Waimea Canyon and Mt. Waiale’ale Crater from up top, make this a top priority if you are visiting the island. It was unbelievable and hands down my favorite experience in Kauai.
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A close second was the kayak/hike/waterfall swim that I did with Ancient River Kayaks. You do a tandem 2-mile kayak ride on the Wailua River. (Fun fact: Wailua River is the original home to the very first Hawaiians.) After the beautiful 2-mile kayak, you have about 1.2(ish) miles of hiking through the rain forest in search of your half-way point destination: Secret Falls. This is a 120-foot waterfall into a natural pool, and though it was on the “brisk” side, taking a dip in and behind the waterfall was such a cool experience. We took a break at the falls for some lunch (provided by them) and we got to learn more about our awesome tour guide Annie. Huffington Post featured her in an article and my favorite quote from that (which rings true for most people that I met in Kauai) “I’m so rich here. I mean, I don’t have a lot of money but my quality of life is abundant. I get to do what I love every day and my heart is so full.”
Side note: once you finish the return hike and kayak back, you should definitely head over next door to Lava Lava Beach Club on Waikoloa Beach. This is the perfect spot to grab some beers (I was hooked on Wailua Wheat– great golden ale with a passionfruit flavor) and you can even watch some highlights of your favorite sports team losing to USC ...sigh.
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We did the obligatory luau and chose the Grand Hyatt Luau on NYE. I was told the Hyatt and Smith’s were the two best luaus on the island and this one did not disappoint (though I’ve never been to any other luaus so I can’t compare). It was neat to see the rich history of the island and its local people, and they had performances/tributes for all of the “relative” islands (Samoa, New Zealand, Tahiti). Since we had a birthday in the house, we were selected to go up with a few people to learn how to hula in front of everyone. I failed pretty miserably at this. However, where I didn’t fail is the all-you-can-eat buffet. Our host told us that we would fall in love at a luau …and I did …. with Kalua Pork. As I mentioned with my world being rocked at Anuenue (the day after this luau happened) this pork tasted beyond delish. Click here for a recipe (Six Week allowed) which includes three ingredients: pork butt, natural liquid smoke (make sure no molasses added) and Hawaiian sea salt. Pop those bad boys into a slow cooker for 7-12 hours and you will fall in love too.
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Once I was done eating all of their food, I of course wanted to see some fireworks on NYE. I was laughed at when I asked if the fireworks went off at midnight, to which the reply was “oh honey, the entire island is asleep by 9 – fireworks are at 8.” So we capped off NYE with some early fireworks over Poipu Beach and went to bed like the rest of the island … at 9pm. Cue 2017.
To cap off the South Shore adventure, we decided to go surfing on the last day. There is no shortage of surf schools in Kauai but we stumbled upon Kauai Surf School. It was a picture perfect day in Poipu and the baby waves by the surf school were perfect for my beginner skills. Asher was our instructor for the day, and he obliged when I asked him to pretty please just push me right into each wave for two hours so I could easily stand up and feel like a stud on my board - thanks Asher. I was gaining major confidence with my surfing ability and felt ready to try out the North Shore surf as we were heading to Hanalei the following day. FAIL. To read more on the episode of Susie vs Surf Board, check out Part II of my Kauai blog.
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#thesixweek#tsw#kauai#gardenisland#poipu#koloalanding#cortadocoffee#cocoloco#savageshrimp#dukeskauai#fishtacos#thebeachhouse#sunset#kauaijuiceco#bluemajik#moringo#anuenuecafe#riptide#maunaloahelicoptertours#doorsoff#jurrasicfalls#waimeacan#napalicoast#ancientriver#wailuariver#secretfalls#lavalavabeachclub#wailuawheat#luau#grandhyattkauai
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