#maybe a little higher than average grades but didnt really stand out
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it really makes you think about how much of this was jack projecting & how much was truth after youve read through the whole series
#personally i think spence going to the military is truth#and his house probably did burn down#but the rest was jack projecting#spence i feel was just a kid who kept his head down in school doing the work & going home#maybe a little higher than average grades but didnt really stand out#maybe bullied a couple kids throughout the years like “gimme your lunch money!” type of thing#he was one of jacks victims & is looking for revenge#i will continue w this after reading more#tales from the gas station#spencer middleton#jack townsend#spencer fucking middleton#tftgs#tftgs spoilers#tales from the gas station spoilers
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Questions About Checking Accounts, Nintendo Switch, iPods, TSP, and More!
Whats inside? Here are the questions answered in todays reader mailbag, boiled down to summaries of five or fewer words. Click on the number to jump straight down to the question. 1. Great advice for job seekers 2. Old hometown checking account 3. Making your own seasoning mixes 4. Inexpensive Nintendo Switch games 5. Partner has extreme debt 6. TSP contribution questions 7. Uses for old iPod? 8. Job search not that simple 9. Value of authenticating sports cards 10. Financial independence and career plans 11. Advice for selling books 12. True hourly discretionary income question I wanted to offer a little update on my switch to a standing desk for professional purposes. About two weeks ago, I moved my main workstation to a standing desk. The purpose for doing this was to significantly reduce the amount of time I spend sitting in a given day, because sitting for your job all the time has some negative long term health consequences. I did recognize that doing this fully cold turkey is a bad idea, and so I planned from the start to do it in stages. My plan was and still is to use the desk until I felt noticeable discomfort, then switch to a laptop in a chair for a while, then maybe alternate back later in the day. My goal was to simply raise my average time at the standing desk a little each week as I strengthen different muscle groups. After a couple of weeks of doing this, Ive found that the big impact has been on my lower back, with a smaller impact on my feet. Im able to work for about four to five hours a day at the standing desk, with other work time spent sitting in a comfortable chair with a laptop. What generally happens is that my lower back starts to get sore, not in a something is broken way but in a this is a muscle thats getting taxed due to exertion and needs a break way. Ill sit down for a while and itll feel much better. However, its constantly experiencing a low-grade soreness, the kind of soreness that happens when you exercise a muscle group. Theres nothing wrong here if I felt something wrong, I would stop using the standing desk for a while. However, it can be a little uncomfortable. Ive had some very minor foot discomfort, mostly on my heels, but nothing significant and it honestly seems to be fading over the last few days. Its hard to tell yet whether or not the standing desk is improving my health in any notable way. I certainly dont think its been bad, but I havent noticed a big health improvement. I do exercise most days, so thats definitely a positive factor, but its hard to extract the benefits of standing with the other benefits of exercise. I think its very likely that there have been some minor benefits, and I likely would have noticed more if I didnt already exercise. Its all about feeling healthy for as long as possible. On with the questions. Q1: Great advice for job seekers I wanted to share some advice from my own experience as an interviewer [in a large corporate HR department]. The big thing is that you shouldnt be hard on yourself if you interview for a job and dont get it. Often, there is already a candidate that is pre-selected and the interview process is a mere formality. Someone thought you were a good candidate and brought you in, but you didnt actually have a real chance at the job no matter how you interviewed. In fact, you should treat all interviews like that. Dont get stressed about them, because theres a good chance that theres already an anointed candidate. I would say that 75-80% of the time, we already have our minds made up regarding which candidate to hire before the interview process begins and interviews virtually never change our minds. Sometimes we will interview someone great and put them on a list of people to call in the future but almost without fail those people already have a job when we call them back. So please dont be hard on yourself if you dont succeed at an interview! And dont get overly stressed about it because theres a good chance that theres already an anointed candidate anyway. Just go in there and answer the questions and learn about the company and let the chips fall where they may. Alison This is great advice, and in line with some of my own hiring experiences in the past. I have been on all sides of this coin at various points. I have been the anointed candidate in a hiring process. I have also been one of the other candidates in a hiring process (where I knew someone else was anointed for an absolute fact). Ive also been involved with several hirings, some of which had strongly preferred candidates and some of which did not. The thing is, you never really know which kind of situation it is when youre interviewing. It may be a more open position where you actually have a good chance, or it may be a situation where you are one of the other candidates in an open process engineered to bring in the vastly preferred candidate with minimal questions. I think the mantra of dont worry about it is the right one here. Just go in there, answer the questions, ask some questions about the company, and move on and keep looking for the next interview or opportunity. If youre the right candidate, theyll call. Often, you wont be, and it wont be due to a fault of your own. Q2: Old hometown checking account I have left a checking account open at my old hometown bank for the last 20 years. It pays a very small interest rate 0.05%. I have a balance of about $1,200 in there. I have always looked at it as a last ditch emergency fund. If anything seriously goes wrong, Ill go there and use that money. But its just sitting there. Isnt there something better I could be doing with it? Dana I dont think theres anything wrong with having a last ditch emergency fund in a bank thats not easy to access. That idea is fine by me. However, its probably just going to sit there for a long time, so you might want to consider doing something with it that earns a better return. The next time youre in your hometown, stop by that bank and see what other options they have. Simply explain that this is an emergency fund for you and you want it in a place where it earns a little more, doesnt lose value, and could be withdrawn in an emergency but isnt likely to be withdrawn. Its very likely that theyll suggest a certificate of deposit, which is akin to a savings account except that it earns a bit higher interest rate and theres a small penalty for withdrawing it early. It wont take very long at all for the CD to earn more than the penalty for early withdrawal and then, after that, its onwards and upwards. Make sure that the bank allows you to automatically roll over the CD when it matures. Right now, with interest rates a bit higher than they were but still fairly low, Id choose a medium term CD, something in the range of one to two years. That will give you a higher interest rate than a short term CD but wont lock you in to these relatively low historical rates forever. Set it to automatically roll over, then forget about it until that last ditch emergency occurs. Q3: Making your own seasoning mixes Have you ever written an article about making your own seasoning mixes instead of buying mixes at the store? You can buy the component spices and mix them yourself and save a lot of money if you use seasonings a lot. I make an Italian seasoning and a chili seasoning and a toast seasoning myself. Margaret Toast seasoning? Youre going to have to send me that one. I have a bagel seasoning mix that I like to use on buttered toast sometimes I wonder if theyre similar. Although Ive mentioned seasoning mixes before and noted how its cheaper to make your own, I dont think Ive ever written a listing of the various spice mixes we have and how we store them. I store most of my spice mixes in large baby food jars that we still have from when our children were babies. I usually make them by mixing other spices by the teaspoon into a bowl and then stirring them thoroughly so theyre mixed, then I fill up the jar with the spice mix. I use masking tape for labeling. Using a mix is a learning experience. Over time, you start figuring out how much to put in stuff. Our chili mix, for example, usually takes a tablespoon and a half per batch, and a batch fills up our slow cooker about halfway. I could write a full post about this if theres interest, including some of my recipes. Just send me a message on Facebook if youd like to see that. Q4: Inexpensive Nintendo Switch games My husband and I bought our son a Nintendo Switch for Christmas. It is his first video game console and he had been asking for it all year so it was really fun to see him open it. Both sets of grandparents got him a game for it so he has had two games to play. His birthday is coming up soon and we asked him what he wanted and of course he wanted a Switch game. We asked him for a list of the ones he wanted and it has 15 or so games on it. The problem is that they are all $50 or more. Why are Switch games so expensive? Our full birthday gift budget for him is $50. Can you help? Anna This is a consistent challenge with Nintendos consoles, and it has been since the 1980s. Nintendo makes very high quality exclusive titles for their consoles those are usually the ones that wind up filling wish lists for console owners but they rarely go down in price until later in the consoles production cycle and the Switch is a pretty young system. Trust me your son isnt being greedy here. Hes probably listing most of the best games for the console, but they all happen to be expensive ones. I would guess that in a year or two, Nintendo will have a line of some of their top titles from a few years prior as Platinum titles for a much lower price point around $20 but were not there yet. So what can you do now? My recommendation is to visit a video game store that sells used games, like Gamestop, and see what they have available for the Switch thats used. Switch games, as you know, come on small cartridges, so its very easy to test a game to make sure it works you can ask them to test it before you buy. Getting a game used in the original packaging will still cost 50% to 75% of the sticker price and the selection may be a bit limited, but this is probably a fairly safe bet for getting one of the games he wants within your price point. A used Switch game is just as good as a new one in terms of someone focused on actually playing the games, so Id look there. Another approach would be to give him a gift card to the Nintendo eShop. There are a lot of very good downloadable titles for the Switch, and you use those gift cards to buy those downloadable titles. While this wouldnt give him any of the games he specifically wants, it would enable him to get a couple of games at least, and there are some very good games for $9.99 or less on the eShop. Q5: Partner has extreme debt I recently discovered that my bride-to-be (June) has about $140K in student loan debt. She had said that she had some student loans in the past but I did not have any idea how much. I am very uncomfortable with being saddled with that much debt. This has caused a great deal of conflict between us over the last few months and I found this out during the holidays. I am not sure what to do. Daniel The biggest factor Id look at is her day to day behavior right now. Is she a frugal person? Does she watch her nickels and dimes? Is she committed not in words but in actions to getting that debt paid off? Is she making extra payments on that debt? If you see that, then I wouldnt fret about it. On the other hand, if she seems to think that such a big debt isnt a big deal, she spends money frivolously all the time, and she isnt making much progress on that debt I would think very, very carefully about this relationship, because thats a value mismatch thats going to chafe for years and years. Beyond that, I would also consider what kind of field that her degree is in. Was the degree she earned in a field with a high income potential, or was it something that will never earn a substantial income? Also, Id look at other factors, like whether or not parental support was promised and then denied. If shes aiming for a high paying career, such as medicine or law or some types of engineering, I wouldnt worry too much about it. If she took out that much debt for a career path that has a very low likelihood of earning a high salary, I would be really concerned. I would also be concerned with that level of debt if there was also significant financial support from her parents where did all of that money go? The challenge with marriage is that you are financially tied to each other in a very deep way and her choices regarding the debt she took out for her education are indicative of the decision making process she will likely employ going forward except now youll be financially liable for them. Having that much debt unless you are both high income earners will significantly affect your life decisions for a very long time, likely for the rest of your life. It will delay your ability to have children that you can support financially, for starters. It will alter both of your career choices and possibilities. It will delay your ability to have a home of your own. I guess, in this situation, what I would really look for are signs of financial maturity beyond that of the student loans. Is she focused on repaying that debt with or without you? Is she making the most of her degree? Does she spend frivolously? I cant answer for you whether this woman is worth it to you. She may be perfect for you in every other way, in which case youll be happier with her. However, having that much student loan debt, and given the alarm bells it sets off in your head, is a sign of likely incompatibility over financial issues, and thats not a recipe for a great marriage. As always, conversation is key, as is paying attention to her actions. What kind of steps is she taking (not just talking about, but taking) in her life knowing that huge debt is sitting there? If youre struggling to answer that and this debt makes you this uncomfortable, this may not be the best situation for you. Q6: TSP contribution questions I am 36 years old, single, no children, no plans to ever marry. I just got a government job that I hope to keep for the rest of my life. Knowing that I am receiving FERS and Social Security already in retirement, how much should I contribute to my TSP to be able to have a comfortable retirement?Want to retire at 65 and have about the same amount of disposable income when I retire. Janine For those unfamiliar, FERS is the pension plan for US federal government employees. TSP is an optional 401(k)-like plan for additional retirement savings. Based on this, FERS should provide about 33% of your final salary when you retire. Social Security, depending on your income level, will provide somewhere around 30% of your income. That means you need to make up about 37% of your income from TSP. If you contribute 5% of your salary to TSP, the federal government matches another 4%. Above that, theres no matching. Given all of that information, I ran some back of the envelope calculations and conclude that given your age and your aim to retire at age 65 with your full salary intact from your various retirement sources and that you want to be able to draw from TSP for the rest of your life, you should contribute 15% of your salary to TSP. This should enable you to withdraw enough from TSP each year to make up your salary shortfall when you retire at age 65 and the TSP balance should last for the rest of your life. Youll want to invest TSP fairly aggressively the target retirement options should work. While I cant guarantee that 15% will get you there, I can certainly say that it is extremely likely that it will either get you there or get you very close to your goal. Q7: Uses for old iPod? Found an old iPod in a desk drawer along with charging cable. Is there any use for this or should I just junk it? I powered it up and it turns on just fine. Adam I dont own an original iPod (I had one way back in the day but I sold it off circa 2007-2008), but a friend of mine keeps one in her car and listens to music with it every day using a cassette tape adapter. You could do the same thing with an auxiliary cable if your car has an AUX port. Just load it up with mp3s of a bunch of music and/or podcasts that you like, keep it in your car, and listen to it during commutes. If you have a charger that hooks into the cigarette lighting receptacle in your car, then you can plug into that and keep it permanently charged. My friend has hundreds of albums that she loved in her teens and twenties. If you like alternative or indie rock from about 1990 to about 2007, theres a good chance youll find a ton to love on her iPod. Just fill yours up to the brim with stuff you like and youll always have something to listen to. You can fill it up with the full archives of a podcast and listen to the entire run of a podcast, too. Old iPods are great for these kinds of things. In other words, use it for what it was intended for. Load it up with audio. Q8: Job search not that simple While I appreciate your regular encouragement to go find a new job if your current one is sapping you, its not always that simple. I have been working as a legacy systems programmer for the same company for 16 years. Most of my day is maintaining old code, migrating it to new machines, and dealing with corporate [nonsense]. I literally hate going into work each day. There arent any available jobs nearby that match my skill set. Trust me, Ive looked. I cant move because my daughter has particular health care needs and needs to be near a top notch medical facility. That also means I need good insurance. I cant just go into work and say, Well, time to find a new job today! Thats just a pipe dream. Terry All right, so what jobs are available in your area that are close to your skill set? Youre obviously in a metro area of some kind. I guarantee there are programming jobs in that area. Whats actually available? What things are most similar to your skillset? Once you know that, start honing your skillset at work so that you can make that leap. Learn how to write tools that will help you with the legacy coding you already do. Start trying to port your legacy code over to a new language for modern systems during your downtime. Use this as an opportunity to learn new languages and paradigms. Get involved with any and all local software development groups. Try to go to their face to face meetings and get heavily involved in any online spaces they have, being as helpful as you possibly can there. Build up some good relationships in your field, then just casually ask about positions that match your refurbished skill set. Also, keep your resume honed on LinkedIn so you can be discovered by people who might be looking for folks in your area. Dont aim for hopelessness. Aim for a light at the end of the tunnel. You can do this at any job. I had a job where I was literally shoveling dirt for hours and hours during the middle of the night by myself and yet I found ways to aim that toward my next step. Q9: Value of authenticating sports cards I have a bunch of sports cards mostly baseball and basketball from the 1960s. I have looked at selling some of them individually but when I look online almost all sales are authenticated cards in a special holder. I looked into this and it looks like you send your cards to an authentication service and pay them a fee and they put them in a special plastic holder with a tag that says its authentic and gives it a grade for its condition. Is this worth it for selling trading cards? Are there ways to sell cards without this kind of service? Marvin You basically described the sports card authentication world pretty well. It exists because there was rampant fraud in older sports cards and other trading cards for a while, so some reputable dealers popped up and started offering authentication and grading services so that people would know exactly what they were buying. Its become the de facto standard for any sports cards of significant value. Basically, if the card is older than about 1975 or so, the player has any name recognition at all, and the card is in reasonably good shape, youre going to make more money selling it after authentication than before, even including the cost of authentication. If its a no-name player or its beat up, youre not going to make a whole lot for it anyway, as people will just want those to help complete sets and they wont sell for more than pennies. What Id do is look for Hall of Fame caliber player cards from your collection (or, as a friend of mine said, Hall of Famers plus Pete Rose) and get those authenticated to sell individually. The rest, Id just divide out by set and sell in bulk. (I have an almost complete 1965 Topps set missing just a few commons that Ive worked on for literally decades, so Im fairly familiar with all of this.) Q10: Financial independence and career plans So how much financial independence would a person need to be able to have full career independence where you still want to have a career but you just feel empowered to make whatever choice seems exciting to you without really worrying about salary but still assuming youre earning a decent salary to live on? I make about $80K and think I can live well on about $40K so my savings rate is about 30% after taxes. How many years would I have to do this before money exits the equation as a career consideration? Barney I think the real question youre asking is how much do I need to save so that retirement is fully covered? This calculator is probably my preferred one. Youll want to play around with different settings to see how long youll need to save to hit your goals. The further you are from retirement, the lower your total savings goal will be. Also, if you assume Social Security benefits will come to you at rates similar to whats available today, the lower your total savings goal will be. You may even be at your target in several years. However, Id still recommend that you save for retirement after you hit your goal number if youre earning a good salary. This allows you to walk away even earlier if you just get tired of the rat race before a typical retirement age. Q11: Advice for selling books I have a collection of hardback books I want to sell. What is the best way to get maximum value for them? Tracy First of all, it depends a lot on what books youre exactly trying to sell. Are they novels? Cookbooks? Old Dungeons and Dragons books? Encyclopedias? Youll want to go to eBay and try to get a sense as to what theyre actually worth. You will probably get the maximum value from them by selling them individually. However, that is exponentially more work for only a fairly modest rate of return. You might be able to sell a lot of ten books for $20 or sell them each individually for $3, for example. Is that extra effort in packaging and shipping and tracking and communication for nine additional packages worth the $10 to you? Another note: if youre selling books, USPS Media Mail is your friend. Its a highly discounted shipping rate that applies to sending books through the mail, and it comes with a tracking number. (Its cheap because its slow and USPS knows a book can sit in a warehouse for a day with zero problems.) You should always use this when shipping books and magazines. Q12: True hourly discretionary income question I understand how this perspective helps to highlight the high cost of non-necessary spending now in terms of lost leisure in the future. But I think it overstates the cost of non-necessities in terms of hours worked. In your example where your annual net wage is $34,000 and your annual work hours is 2,740 (so you net $12.41 per hour worked) and your necessities cost $24,600/year, you should account for 1,982 work hours (= $24,600/$12.41 per hour) as covering necessities, leaving 2,740 1982 = 758 hours for non-necessities. In each of those 758 hours, you net $12.41/hour, and that is the cost of your necessities in terms of hour worked. So a $50 board game costs you $50/$12.41 per hour = 4 hours, not 10.5 hours. The key is to see that you still actually net $12.41/hour, regardless of whether those earnings go to necessities or non-necessities. One way to see this is to realize that the approach in the post can lead to unrealistic implications for the hours of work required to purchase non-necessities. For example, suppose in your example above, necessities are only $10,000 year, and non-necessary spending is then $34,000 $10,000 = $24,000. If your hourly wage for non-necessities is really $4.96/hour like the post says, then it would take $24,000/$4.96 per hour = 4,838 hours to earn that $24,000. But you earned the $34,000 with only 2,740 hours, so something is wrong. Max Max is referring to this article from last week, Using Your True Hourly Discretionary Income to Make Smarter Purchases. Youre just looking at the same issue in a different way. Rather than looking at each hour as being subdivided between essential expenses and non-essential expenses, youre doing the same thing with the total hours over a year. In that example, then, 1,741 of the hours you work essentially earn you nothing in terms of spending money, because all of it goes to essentials. So, frugality in essence just means that youre migrating some of the hours you work from your pool of hours spent on essential expenses to the hours you work for spending money. My angle was different. I divided the income from each hour into essential expenses and spending money. The essential expenses gobble up $7.45 of the $12.41 you earn each hour, while your spending money makes up only $4.96 of the $12.41 you earn each hour. So, then, you judge whether an expense is worth it using just the $4.96, since its the only portion you can actually freely spend. In this case, frugality moves a little bit of money from the $7.45 essential expenses per hour pile to the $4.96 spending money per hour pile. Got any questions? The best way to ask is to follow me on Facebook and ask questions directly there. Ill attempt to answer them in a future mailbag (which, by way of full disclosure, may also get re-posted on other websites that pick up my blog). However, I do receive many, many questions per week, so I may not necessarily be able to answer yours. https://www.thesimpledollar.com/questions-about-checking-accounts-nintendo-switch-ipods-tsp-and-more/
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Eagle Grove Iowa Cheap car insurance quotes zip 50533
"Eagle Grove Iowa Cheap car insurance quotes zip 50533
Eagle Grove Iowa Cheap car insurance quotes zip 50533
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Eagle Grove Iowa Cheap car insurance quotes zip 50533
Eagle Grove Iowa Cheap car insurance quotes zip 50533
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Hi, im going to be moving to italy with my wife and child to stay there for four years so i will be purchasing a vehicle to get around with, im planning on a car but i want to find out a little more of how much it can cost for insurance on autos over there, both for cars and motorcycles, if its cheaper for motorcycle i will probably just get one car for my wife and get a motorcycle for myself. Any information will be helpful and thanks ahead of time""
Another car insurance Question.?
In the UK if you buy a car, it HAS to be insured, but at the moment for someone young to insure a car, i looked on a comparing site, i put myself as a main driver for a 1.2 litre fiesta and it was well past 4K, and insurance companies know they can charge that amount because without insurance it is illegal to drive. If i put myself on 3rd party insurance it either drops by less than 100 or goes up, ive read about this and apparently insurance companies think that if you get 3rd party insurance, you care less for your car so therefore they charge more. Now in the US things are alot better, if you pay car tax you automatically get 3rd party insurance, this is a great idea and i wouldn't mind knowing why they don't introduce it here in the UK, if not, surely the government or somebody will confront the insurance companies so that they can lower premiums, right?""
What kind of insurance do i need for a produce business?
me and my family are starting up a produce farm and are woundering what kind of insurance we should look into for this.
Will my car insurance pay out?
Last night without my knowledge, my boyfriend let his friend take MY car out and he crashed it. I did not give my consent for this and although my boyfriend is on my insurance, its my car. Im the only owner. My name on the log book. I have told the police I did not give my consent. Turns out his mate has no insurance. My insurance company are dealing with it as a stolen car at the moment but until I get a crime reference number it wont go ahead. The police are not coming back until next Saturday to do a statement. Where do I stand here as im worried because my boyfriend said he could, it wont be classed as theft and my insurance wont pay out and then im buggered. This man has no money so I cant even say for him to sort this financially. Ive got to be realistic. Help!! :(""
I need Car Insurance help!?
Well, I'm turning 17 soon and have started thinking about learning to drive and getting my provisional. I know car insurance for a 17 year old boy is very high but there must be some cheap insurance somewhere? From 900-2500 I'm not the richest person ever and don't currently have a job, but I'm actually searching at the moment (just started). I have time to think about it all and everything but ye I need help, also a car which isn't too expensive and the insurance is also pretty cheap would be awesome!""
Car insurance?
does your physical health affect your car insurance rates?
Best choice for auto insurance?
I'm 16 and just got my drivers license and need auto insurance. What would be my best choice?
Is insurance expensive if i buy a 2005 scion tc??
I am turning 18 in a week, and am looking to buy a car. I love the scion tc, but they are new cars (they came out in 20050 so i dont know if it is affordable for me. Ive never been in a car accident so my insurance is at its normal level right now, but how much will the insurance be?""
How much will it cost to insure a new amusement park?
How much will it cost to insure a new amusement park?
Will I have to switch my car insurance if I buy a new or used car from a dealer?
My current car is just costing far too much money in repairs for it to be worth it to keep piling money into. I'm a college student, so money isn't exactly plentiful, but its looking right now like I just need a new car, period. I have a decent job, and I could probably afford a car payment of around $200 a month just fine, however I am very concerned about any hidden cost with insurance. My dad told me that if I buy a car from a dealer, then I will have to switch my insurance to full coverage (I'm currently just on my dads insurance, and I only have to pay about $50 a month) but he says that if I get a new or used car from a dealer, I will have to change my insurance coverage and it will cost me more around 150-200 a month in insurance. And if you pair that with a car payment, I simply couldn't afford it and still be able to make rent and whatnot. So I came here to see if he is correct in this. I know there will be taxes, dealer fees, registration costs etc. but Its the insurance part of it that might make it impossible. Also, do I have to have my credit established for a certain amount of time before I can buy a car? I tried to avoid credit cards for as long as I could, so now Im still kind of new in the whole credit game.... Anyways, thank you for taking the time to read my question and hopefully answer it!! It is much appreciated!!""
How much would it cost me to get a basic insurance for an used R1?
In London?I' m 41 years old,i ' ve hold my driving licence since 1994 and i'm getting it converted into the UK one .""
""How to save more money as a teen, for a car and motorcycle?""
I'm about to turn 16, and would like to save up for a reliable, cheap (2k-4.5k), good-looking, car. It has to be American, or anything other than Honda, Subaru, Toyota, Lexus, Hyundai, etc. cause dad works for GM. I am paying for the car on my own, most likely, but maybe I can convince parents to pay 1k or so. Money is tight right now in my family. Dad got demoted last year during GM's bankruptcy, and may get a promotion in spring. My Mom is opening a restaurant this year, which is going to cost a lot. I got a job in November at a brand new Kroger grocery store, where I get minimum wage and cannot work over 16 hours per week because I'm only 15. I have saved a little over 1.2k in the bank. I also have invested $500 of my own money this year into stocks, which are up a little. This might sound dumb to some, but I have dreamed of buying a motorcycle. I want a Kawasaki Ninja 650R. AND YES, I KNOW INSURANCE COSTS MONEY, (FOR CAR AND MOTORCYCLE) I'M NOT AN IDIOT. I also need to plan on how to save for that. Any tips, help, and info would be great! Thanks so much.""
High School Sport Insurance?
If i want to join track for high school as a freshman and i don't think i have health insurance... do i need it to join?
Any tips on how to avoid paying full coverage insurance on a motorcycle while financing it?
My friend has been financing a motorcycle and he just did his policy online and put down that he owned the motorcycle..and only put liability on it.. Is this a good way to get around the system?
Car insurance cover ?
I have Allstate's car insurance (full cover =liability +collision+medical.......) Some time I go out of county but still in USA.Please let me know if my car insurance automaticcaly covers the car rented ?-Liability only or-Liability and collision+comprehensive Thank you
What do i do with no insurance? when i go to the doctor and no insurance?
i work at mcdonalds part time, and have no insurance or health benefits, how do i get insurance to pay for doctors visits? How can i afford health insurance or where do i apply 4 health insurance?""
What is the average insurance price for the new 2010 Chevy Camaro's? CURRENT 2010 CAMARO OWNERS ONLY PLEASE!?
I'm interested in purchasing a Chevy Camaro(2LT or 2SS), and I wanted to see how much current owners pay for their insurance. I'm 22 years old and I've got a clean driving record as well. Please let me know what you know! I don't feel like being spammed by insurance companies. I've gotten the free quote before and I still get emails from Geico! Thanks!""
I need motorcycle insurance?
Does any one know how i can get cheap motorcycle insurance, im only 17 and i have a few tickets, so its not gonna be cheap, does any one know how i can get cheap motorcycle insurance?""
How much is insurance for a mustang?
I need some help how much is insurance on a 2003 mustang for a 16 year old driver thanks.
Is there any advantage of group health insurance?
I would like to know if there is any advantage of a group health insurance plan over a personal health insurance policy. I am planning on buying a health insurance plan so I wanted to know.
Health care bill will make health services more affordable and of higer quality?
why would it? can anyone give me a paragraph on why and why these things happen?
Where can I get affordable health insurance in PA for my new small business?
I am an enrolled IRS tax agent and have opened a small office with 2 full time employees. I need to find affordable health insurance for my employees. Does anyone have any suggestions?
Car Insurance Help..?
I just turned 16 and got my license about 2 months ago. My dad and I are now car shopping for me and I found a car that I really liked, but don't know if it would be expensive insurance or not. If you could help and give me an idea of about how much it will be a month? 2001 Acura TL $5200 (Private Owner) 6 cylinder 3.2 liter vetec 4 door sedan automatic has a salvaged title passed state inspection 77,000 miles I also live in Ohio and my dad has state farm.""
Eagle Grove Iowa Cheap car insurance quotes zip 50533
Eagle Grove Iowa Cheap car insurance quotes zip 50533
How much is a Car for a 17yo?
How much is a car, insurance, lessons, test, tax etc.... Everything! For a 17 year old Guy. Just for a cheap second hand car ie. Peugeot 106 (second hand) But how much will it all come to? Thanks""
Car insurance gets cheaper at 21?
Okay so this may sound stupid but I have heard that car insurance gets cheaper at the age of 21, I mean it is still alot for new young drivers compared to the 25+ year olds but apparently cheaper. For example a corsa would cost approximately 3,000+ for a 17,18,19 or 20 year old third party fire and theft...but when he/she hits 21, its goes down quite abit, probably to around 1,200 - 1,500....this is what I have heard but not too sure so wanted to see what you guys think!...thanks!:D""
What company offers the cheapest motorcycle insurance in Toronto?
I Want to buy a motorcycle around $ 5000 and wondering how much would be the insurance for the following motorcycles 2006-2009 Honda CBR RR 600 2006-2009 Honda CBR 125 How can I be able to get discount on my premium. I have a full M licence with no accidents for like 2 years. I live on Dufferin st close to bloor and I am 25 years old male Serious replies only please because having a car is too expensive for me.
Health Insurance For Full Time College Students?
I overheard another student in class talking about how she gets free health insurance coverage because she is a full time student? Has anyone else heard of any programs or companies that do that? if so can someone give me some links to the sites of those companies? (Because since im no longer in the class with the girl, i cant get it from her)""
""Can you help me-insurance, cars, and money?""
Okay, I'm planning on buying a car soon. My family is in a very deep hole financially, so I'm going to ask my grandparents to help me, because they are doing fine. I need a car to get to school, get to my current job on time, and have another job (along with 2 AP classes and babysitting!) I never ask them for anything, not that I've ever wanted to, so I'm really scared to ask them for this huge favor. I'm planning on paying them back for every single penny I borrow plus interest. So I want to know an idea of how much money I'm going to need to borrow. Okay, for insurance...I'm planning on buying a toyota yaris, matrix, or camry. Or a honda civic (perferrably hatchback). Or a volkswagon beetle. But right now, anything will do as long as its reliable. For a 16 year old, A average grades, living in KY, about how much would monthly insurance be? For payments, I know about 2000 for down would be good. But how much (about) would interest be on monthly payments? I'm planning on finding a car that is about 7000-8000 dollars. And lastly, how should I ask!? They know I'm mature and responsible, but I don't think they are willing to help me out. I absolutely hate asking for things from people, but I really need help so that I can help my family. So how should I do it? Thank you so much! :) I'll choose best answer!!!""
Does anyone here pay less than $2000 per year on auto insurance?
And you're under 25 years old..? If so, what company are you with? Rates are so ridiculously expensive from what I've seen.""
Where can I find affordable but a very good individual vision insurance plan?
I've check out VSP but I'm not sure if it's the best and only choice out there for me. I also live in Pennsylvania if that helps out any.
""18, no job, need health insurance?""
I can't breath because my nose is all messed up, this has been going on for years and it just keeps getting worst and worst. I need insurance and my parents won't help me get any. So now I need a way to get it on my own. i have no job and know nothing about health insurance. I live in nyc""
Can i claim it on my insurance if i damage my car under third party fire and theft rules?
I accidently damaged my own car slightly, but i wish to get it repaired, im thinking it will cost alot to put right, can i claim it from the insurance i have third party fire and theft??""
Car Insurance discrimination?
I was filling out a car insurance quote form online , I put my mother as the main driver and me as additional but accidentally put me as a spouse , the quote came back as 400 pounds. As i reviewed the quote i notice my mistake and changed it to Other ( Spouse , Partner , Other only listed ) and then my quote came back as 2000 pounds. I am 18 years old and getting car insurance is hard but my question is how does being married make me a safer driver and is it possible to take insurance companies to court because of there overlooked age discrimination""
Is it worth it buying a salvage motorcycle from insurance auction?
Is it worth it buying a salvage motorcycle from insurance auction?
Car insurance question?
What is the normal price range for monthly payments on car insurance? I'm 23, female, with no prior accidents.""
How much does learning to drive cost roughly?
how much do driving lessons + car (800 - 1000) + insurance etc cost??? thanks :)
Why can't small businesses in each state group together to get better and more affordable health insurance?
Who regulates this? The insurance companies? The large companies? It doesn't make sense that this cannot be done.
Insurance on a 2004 Infiniti G35 Coupe?
I am 17 and thinking of buying a G35 coupe in September (will be 18) for school. I was wondering how much the insurance would be, this will be my first car and I've never got a speeding ticket before or been in a crash.""
Want to cancel my whole life insurance?
Back in July 09, I let my stepmother's boyfriend create a life insurance policy for me. He works as an agent for New York Life, and since I know nothing about insurance, I just let him take care of everything. For personal reasons, I want to cancel the insurance. I will get something else, probably term, very soon. I just still know nothing about insurance, so I have a few questions about my policy. I do have whole life insurance, so I should be able to get some money back, right? Currently, I have a $50k plan, and I pay just under $50 a month. I got this policy when I was 18, so the monthly cost seems a little high--especially since I have no dependents or debt. If I die tomorrow, I could still get a really nice funeral (not that I want one) and have it all payed in full from the money I have from my inheritance. Was I ripped off or is this pretty standard? Online, it says my Net Cash Value is $37.97. Is this the money I get back if I cancel? It seems low--it's only about 3.2% of the total amount I've paid. I was expecting some amount closer to 10%. Ideally, I'd like to cancel without talking to my agent. Is there any way I could do it through a general agent or online?""
Insurance Cost?
what is the monthly insurance cost for a new cadillac escalade for a 32 year old driver with a perfect record
Car Insurance In Virginia?
I'm 19, First time driver, 1 Child, Car paid in full, Live in the 22031 area (fairfax), Had a seatbelt ticket before I obtained my license, Female. I want to know which insurance would be best suited for me, I dont need the quotes, I just want advice (from expierience) on where to get quotes from first. I have my permit, and will have my license in 25 days. I'm looking into cars right now, and should have one chosen in the next 2 weeks. I know the car will change what the insurance is, but I have not chosen it. I know I want an automatic 4 door sedan Used. Not sure on mileage yet. Leaning towards Nissan Altima. Any advice???""
""Average homeowner insurance for SE Cape Coral, Florida ?""
Does anyone know the average house insurance for the SE area in Cape Coral, Florida. I know that it has gone up because of weather conditions, but I was just wondering what the average insurance is right now. I am thinking about buying a house that was built in 1992, it has a hip roof, and is equipped with storm windows and everything, if this may help. Thanks for the imput!!""
Homeowner's and Auto Insurance?
We've been with Allstate for home and auto insurance for over 30 years, and they have recently starting screwing with us about renewing out Homeowner's insurance. We're pretty sure they are nitpicking about things because they are not writing new policies for Californians, but are keeping existing customers for now. Anyway, I went to the Auto Club this morning and got quotes from them for Home and Auto Insurance and their prices are much better than Allstate's. What I want to know is anyone's experience with AAA insurance. Are they a good company to insure with, any problems, etc? Thank you for any information you can provide.""
What is the cheapest insurance company?
Ok so I'm 16 years I have an 08 Kawasaki ninja 250 and I live in rural California what should I expect to pay for liability only
""Primary Mortgage Insurance, California?""
I live in southern California. I recently called my bank about refinancing my mortgage. I was advised if I refinance, the PMI insurance I pay will go from $168 to about $340 or something. In other words, by lowering my rate, my PMI goes up. Is this true? I would assume the PMI would lower or stay the same since its now easier to make payments. Please advise...""
Do car insurance rates increase because of family visiting?
Hello there. I was wondering if anybody ever heard about car insurance rates increasing because of extra people in the house. My wife and I will be staying at my in-laws house for a few months and we have our own vehicles with insurance so therefore we will not be driving my in-laws car. HIs brother was told that his rate insurance will increase because of the extra people in the house. Does any of this sound right to you? Thanks. We ilve in florida.
What is a collector car insurance?
please tell me everything you know about collector car insurance. i really need to know. thanks.
""Ninja 250 kawasaki Insurance rate,?""
I live in Canada ontario, and am 18, and i talked to my parents about getting a motorcycle today which they had no complaints about as its my money. Etc. Yet my dad said the insurance would be Higher than car insurance which im really worried about if i do get myself a sportsbike, my first one being a ninja 250, not sure what year but im going to get it used for sure and resell it at a later time. Basically, ill be 18 by the time i get my ninja 250, and would like to know the range of insurance for each month, thanks. Or point me in the right direction where i can check.""
Eagle Grove Iowa Cheap car insurance quotes zip 50533
Eagle Grove Iowa Cheap car insurance quotes zip 50533
How much would my car insurance go up if I got a mustang?
I'm 24 years old, have a good driving record, and I am currently on with my dad's insurance. I have a 2005 chevy aveo right now, with almost 75,000miles; and I pay $110 a month for insurance. Unfortunately, my car may be reaching it's end, and I may have to get a new car. I've found a used 2002 ford mustang, 2 door and 14,633 miles on it. How much do you think my insurance would go up? My dad says it would sky rocket... But I figure I'd ask anyway! Thanks!""
Am I getting ripped off for car insurance?
Got my car insurance bill. I'm on a family plan with my mom and my sister. We did it because we were told it would save money. I'm in my late 20's, drive an older car(a ...show more""
How much can i expect to pay for insurance?
Hi, Well im about to finance a Mercedes-Benz C300 and wanted to know how much should i expect to pay for insurance. Im 19 by the way, have a credit score of 710, dont know if insurance companies look at scores, but finally, this will be my first car. Hope that helps. Thank you!""
Flat insurance costs?
How much is flat insurance on average in the UK?
Which cars/models have the lowest insurance rates?
Which cars/models have the lowest insurance rates?
Individual health insurance?
Can you buy two individual health insurance plans? Can you have more than one Health Insurance Plan for your self? I have to buy my own insurance, but even the best individual insurance is crappy and I wanted to now if people ever buy two insurance plans? The insurance i have now only lets me see the doctor twice a year. If I got another insurance plan would it pick up where the other left off?""
Can insurance change term suddenly without tell me?
Can health insurance stop cover my medicine suddenly? I have used this medicine for 6 months and now I refill it,( I have 12 months refill) my phymesist told me that the health insurance changed code and stoped cover it. Can insurance do that suddenly? What can i do to fight with them? thanks.""
Does the insurance company ( the other guys' fault) pay for rental car insurance?
I got swiped in the week. He is culpable and using his insurance Farmers. I get a rental while my car is in the shop. Farmers- do they pay for my rental insurance, if I am not covered to drive another car but my own? I have legal insurance- liability but not collision. THe guy who swiped me was extremely nice, giving me humbers and taking photos and so on- he was decent. But to pay extra for collision ( Enterprize mentioned this) it'll be 15-18 bucks a day. At this point, I'm fed up with having to drive around getting appraisals and do NOT think I should pay a dam thing. If I get a tiny scratch on the rental, they may ask me to pay for that, or will they? Please what are my options? The rental will take MY credit card for godsake ( I understand--I could just go sell it etc), but I do not see why I should be liable for even a tiny scratch, if I don't have that coverage for my own car and am happy to keep driving my own car that way- I will not be able ot drive my car a week or so while it's in the shop. Any advice- is Farmers right on this? Or did the customer service rep get it wrong? I'm confused right now. If I have to pay that collision ( god knows Enterprize could charge for a hailstone dent) then they guy who swiped me- he should pay them directly right? Please advise. I am willing to put a call into that guy to ask him to just pay the collision for each day I have the rental ( bear in mind I DO have legal liability insurance already, just not collision). TIA> foc""
Insurance companies taking advantage?
is there a chance that insurance companies are taking advantage of obama-care and increasing costs more than they really needed? looks like a % of insured are getting hit but what is the % of uninsured or insurance denials that are now covered? any good stories?
Car insurance costs help?
I am an 18 year old looking to buy a car, so i need car insurance.. I live in Indiana. I have never recieved any tickets or warnings. Last year someone hit me, but it was her fault. Both insurances involved in that and the police have said it wasn;t my fault. The lady passed out while driving and hit me. Will that have an impact on me? What would be the cheapest place for me to get car insurance? For basic coverage and full coverage?""
Does anyone know of a good health insurance?
I broke my wrist 2 years ago and ive been meaning to have it fixed. It healed cruked and the pain bothers me from time to time. Does anyone know of a good health insurance that would imedietaly cover this injury. I have no insurance and want one but dont know which one will help me the most.
Health Insurance Costs?
Our health insurance premium is nearing $14000./year. My husband is a retired school teacher, and paints houses to make this premium. Pretty soon the cost is going to exceed the amount he is able to collect in Social Security - How about getting these companies to lower these premium. Seems like those on welfare have better insurance than those on private pay""
Why does medical insurance in the USA only want to insure the healthy?
Why does medical insurance in the USA only want to insure the healthy?
What do all these terms for insurance mean?
So I'm in need for a dental plan because I've decided to fix my horrible misaligned bite. But I have no idea what all these insurance terms mean. Like deductibles, coinsurance,waiting period, etc http://www.ehealthinsurance.com/ehi/dt/plan-details?planKey=10116300:16 ^Here is a link for example. 40% Coinsurance after deductible 18 months waiting period < Can someone just give me a coverage on how insurance works. Thank you""
How much is insurance for a 2005 V6 mustang for a 49 year old women?
My mom wants a mustang for her birthday just to drive back in forth to work. What will the insurence cost for her
""Does age make a difference when getting health insurance thru employer, is the cost different. .?""
My mother is in her 60's she declined coverage thru her employer because she would pay $200 per pay check, gets paid biweekly. She said the rep from the insurance told her she would pay more than her younger coworkers because she is old and needs more health attention, visits medicine etc. Is that true?? Her company does the cleaning for a few hospitals, offices. I dont think its a big company maybe 300-500 employees. I work for a big company in sales we have 200 people in our building, the company is in every state in the u.s. with several offices in each state so we are thousands of people for the company. Our health insurance cost is the same regardless of age. We have 3 plans to choose from, but we all pay the same amount regardless of age and it cost anywhere from $15-25 per check. Could anyone give me some info on this matter thanks. We are in california if that matters. Thanks.""
""Moving to CO in a month, how do I go about switching my car insurance?""
I'm under my dad's insurance now (AAA).. it's his and my car on his policy. I was told by them that once I cancel it, it'll take effect immediately and be taken off the policy. I'm moving to CO on the 18th of next month and want my new insurance to take effect on that day. If I start my policy for that day and cancel the AAA the same day, will they pro-rate June's insurance so I don't have to pay for the full month since my car won't be insured by them for that whole month? I just don't want to get stuck paying the bill twice in one month.""
Car insurance as a named driver?
Hi does any1 know any insurance companies who will insure a 20 year old as a named driver on a high performance car. This belongs to my dad and is a golf r32. I wont be fronting as i have my own car which i commute to and from work in so i know exactly what that is.. Anyone know any companys please recommend some I will give you the correct answer thank you.
Anyone know of cheap health insurance for college athletes?
My university requires over $1800 for health insurance (the plan that provides enough coverage for athletes) and I don't have that much money right now. Any one know of any cheap alternatives? I've looked at some healthcare plans but they seem to cost much more than 1800 dollars and that's for only around 7-8 months of coverage. Thanks!
Which insurance company is best for two wheeler insurance?
Which insurance company is best for two wheeler insurance?
""I'm a 17 year old, I have to pay my own car insurance. What's the cheapest? Can you give me your rates? (:?""
I'm specifically asking teens, 17-23, who pay their OWN insurance. My mom isn't going to include me on hers, so I'm on my own. Give me some rates! How much do you pay? Monthly/yearly, and HOW do you pay it? Every 3 months, monthly, or yearly? THANKS!""
Is there such a thing as a joint life insurance plan?
Just wondering if there is such a thing that would cover my spouse and I on one policy. For ex. 20 or 30 year policy for around $150,000.00 where either myself or spouse would ride the policy.""
Why is insurance higher on sports cars?
I pay high insurance on my camero.But some of these non-sport cars seem to drive faster than me. But I do drive the speed limits.Do you think its fair I pay higher?
What is the difference between a law to make you get car insurance and a law to make you get health insurance?
What is the difference between a law to make you get car insurance and a law to make you get health insurance?
How much is unsurance for a 16 years old?
I am about to get my provisionary license soon, after i turn 16. I am wondering how much insurance will cost for us. We live in california. My parents are both good drivers, and have never been in an accident for the last 10 years. We have state farm. My parents are right now insured to 3 cars ( toyota seina, lexus gr300, nissan versa) and i will be added in there soon. I am wondering how much their insurance will raise because of me. Don't ask me to ask an agent or go to a website to find a free quote. I understand you can not give me a near exact answer, but just an estimate is good.""
Eagle Grove Iowa Cheap car insurance quotes zip 50533
Eagle Grove Iowa Cheap car insurance quotes zip 50533
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