#maybe ill ask a doctor during my next like annual visit or whatever

[homoeroticvillain]

i can feel exactly where the sore in my throat is this sucks

[fly-underground]

six hundred and seventy five: 2019

The annual year in review entry. I’ve written this post nine times, one for every year of this decade. I reread the very first one, from 2010, aloud to my mother the other night. My writer’s voice is so chipper in it, so young. I had just started college. In so many ways, I had barely lived. I was about to list off all the things I hadn’t yet done, as an explanation. But the truth is, even now, having done at least a few of those things, I still have barely lived. I want to remember that, to bottle up that feeling of wistfulness for a younger self, that protective inclination to wait for things to get better and worse, because I know I still need it. There is still so much I haven’t done, so much I want to do. Ways to spend the next few decades, if I’m lucky enough to have them.

Last year at this time, I think I was home alone with Cory. I can’t remember it perfectly. The past few years have blurred together in that regard. Was this the year that Mariah Carey sang badly during Dick Clark’s Rockin’ Eve? I’ll look it up after I write this. The point is, I welcomed in the new year alone, but not really, and then received a flurry of text messages from my mother and brother and so many friends. January passed in New York for the most part. I went to my favorite bar every week, first with Liz and then with Vivian. I got bad news one night about a fellowship and the next night, I found out that my fellowship paper was selected for an academic conference. I felt like Even Steven, losing one thing, gaining another. By the time I made it back to Boston, for the spring semester, it was the end of the month. That last week became so important, especially in retrospect. I met a man from the past in one of my classes, someone I knew vaguely from my time at Swarthmore. February was about him. And so was March and April and May.

I used to keep details off my blog, because I was afraid of people reading and piecing together the truth. I wanted to be polite and coy. Now, I guess I don’t really know who is still reading this. And maybe I also don’t care. If you know me, really know me, you know what happened. If you don’t, well: in February, this blast from the past man sent me an email about coffee. I said yes and we spent hours together, walking around Cambridge, the pink sky of the new moon above our heads. Then he asked me to go to the Arnold Arboretum. We never went. Instead, we talked for hours in another coffee shop. Uncharacteristically, I asked to see his place and after I met his roommates, in-between bites of fig newtons, he leaned over and whispered: Can I kiss you? His tongue slipped into my mouth in the darkness of his living room. He kissed me again on his doorstep and my head spun on the lyft ride home. I threw up hours two hours later, from the hunger induced migraine. I didn’t eat at all that day, except for the cookies in his house and the lettuce wrapped in turkey at midnight in my bed. Of course I threw up. The next week, we went out again. Later, in my bed, wrapped up in his wiry, tattooed arms, I was just happy. That was when he told me, that he’s an alcoholic and an addict. It should have changed something for me, it should have set off an alarm. It didn’t.

Four days later, he relapsed. He had cancelled and then un-cancelled our date. I met him at a Starbucks and on the T back to his place, our legs touched. I felt bad, terrible in a way that I couldn’t name. We watched some Netflix original reality show and then, in his bed, we had sex. We kissed. He told me about his history of self harm and severe mental illness. I talked about my own trauma. It was not a good date. I couldn’t sleep after. In the morning, after he made me eggs and I realized he would not be going to his next AA meeting, I asked, trying not to cry, Will I see you again? He said of course, and then he backed me into a wall and kissed me with a boyish glee. I felt relieved and stupid. Three days later, he told me he couldn’t make it to my place for dinner. He said that he felt like he had encountered me in the wrong moment of his life, that he couldn’t stop drinking, that he was checking himself into a facility, that I meant something to him. I cried that whole weekend. I barely ate. No one could help me.

It was like this for months. Every interaction between us charmed and hurt me. When he was doing well, I was joyous. Otherwise, I was miserable. I skipped meals. I had nightmares. I cried alone in my room, on walks around campus. I lost weight and inches. I felt like I was dying. Somehow, in that strange internal darkness, I realized I was not okay. I wanted to be okay, more than anything. I felt bad all the time and I was tired of feeling bad. In April, I started seeing a therapist. In May, I started seeing a nutritionist.  I went to a support group meeting and read literature about codependency. I felt like it was my fault, my emotions, my own shit. I called my mother and Vivian and Michael. I was defensive about this guy. Addiction is a disease, an addict is not a Bad Person, but he can be a deeply troubled person. 

And then, after all of that, one day in May, he told me that he had gotten involved with someone. It was the way he said it. Two weeks before, in his bed, he had asked if he could undress me. I told him then, sitting outside the Harvard Square T stop, that he was a coward. He flinched, like I hit him. I said, I thought I loved you, but you aren’t who I thought you were. I guess, I didn’t really love you then. I also said, I’m sorry if that hurt you, I don’t mean to hurt you. And he told me, his eyes glassy, that I meant something to him. Of course, I knew that. Of course, it didn’t matter.

I skipped some stuff, or I made it seem small. In May, when I went to that support group meeting, I actually spoke in the group. I said, Every day I feel this intense pressure to try my best. I want to be kind and generous and patient and brave and good. But it’s so much work, being that way. Sometimes, I can’t do it. Sometimes, I just don’t have it in me. On those days, I want to give myself permission, to simply try. On those days, “best” is not the goal. The goal is to keep at it, whatever it is. So, I went to classes and socialized and asked for help. I told my therapist in April, that coming to therapy meant that I wasn’t hopeless, that I hadn’t given up on myself. In March, I presented my paper at an academic conference, as a single author. I was also on a poetry panel with Trista, Amanda, Cyrus, and Iain. How insane to be there with them, to be included in a family of poets.

In June, the man disappeared, moved away without a real goodbye. At the time, I was devastated. I can’t describe the feeling of abandonment, but I thought: love is not for me. I thought it through June and July. I went out with a series of inconsequential men. There’s a photo I saved on my phone, after one of those dates. He wasn’t a bad guy, just boring, just rude. I came home and cried until my mascara had spread across my face. I went back to New York in July, and in between visiting with friends and volunteering at camp, I had a hilarious summer fling, not a story just something for friends to gossip about. Even then, I was lonely. I didn’t run away from it, though. I recognized it. I thought, I should keep trying. Maybe I would find a good thing.

August had me dog-sitting and transliterating Sanskrit books and gearing up for the final year of my master’s degree and looking into various doctoral programs. It was also when I went on a first date with this handsome, funny, smart, and unbelievably kind man, who would eventually become my boyfriend— how weird that word looks here, how funny that it means something to me after all these years. It has felt like emotional whiplash, this year, loving two men. Looking back, it should be easy to say oh that wasn’t really love. But that’s not true. I loved two people this year, just so differently. If the first love made me nervous, the second makes me calm. I was on a bus back to Boston after Thanksgiving and the traffic was terrible and I felt an ugly irritation bubble inside me because of my seat neighbor. I thought about my boyfriend then, his easy smile, how he rubs my back when I cough. What a small thing, but I felt lighter just thinking about it. It sounds silly and cheesy, I know. But I don’t want to belittle it, not here. I don’t think I have ever really felt so good to be with someone before. It is so new to me, this joy, this stability. I don’t want to take it for granted.

I wrote in my journal a few days ago, that I’m not sure if this relationship is good because he is so good, or because I have done the work of trying to lead a healthier life. Is this just a byproduct of one or the other? Or, as Liz says, is this what happens when two Virgos come together? I don’t know, I loved a Virgo once before, and I don’t remember ever feeling this light. This is different. He is different.

In September, I went to Denmark for my ten year reunion camp reunion. I started this blog right after that iconic summer, 16 and strangely tan from all that northern sun. From October through December, I applied to doctoral programs. Yes, again. We’ll see what happens. For the first time, I don’t really know what I want in my future, but I’m trying to trust in the universe to guide me there. I know I want love. It’s hard for me to admit that. I used to scorn women who named that in their list of goals, but it’s important, as important as everything else. I want to feel close to someone. I want a life of meaning, even if it just means something to me. I want to write. I hate that I ever stopped doing that. I feel sometimes like I have wasted my potential there, in writing professionally. I hope that’s not true. I am not ready to give this up, this dream that could still turn into something.

Something that I said a lot this year: whatever happens, I’ll be okay. During a depressive episode a few weeks ago, I thought I was losing everyone in my life, that everyone secretly hated me. What I told myself then, was not that I was crazy or wrong, but that I could deal with it. It’s true. If that happened, I could deal with it. But I hate that response. I wish I fought more. I wish I didn’t turn over so easily. Not that I think I could change someone’s mind. But I wish I didn’t just accept the worst case scenario. Anyway, maybe it’s strange even to debate this. The truth is so far from the worst case scenario. In fact, right now the truth is I am so fucking lucky. Ten years ago, I was just a high school student whining on the internet. Today, I am a Harvard graduate student; I am an author; I have a publication list that makes professors raise their eyebrows; people care about what I write and think; there are people who love me, really love me; I am healthier and happier than I ever thought I deserved to be. I worked for this. I earned it. I didn’t give up on me.

I can’t predict anything about the future. I’m always so hilariously wrong. Mostly I hope I never stop trying. 2020 still sounds like a fiction, but it’s real, it’s happening, it’s here. It’s funny, I only ever feel that surprised by joy. I hope that never changes.

[kansascityhappenings]

Missouri man bedridden for 11 years invented a surgery and cured himself

https://embed-prod.vemba.io/vemba-embed.js

ST. LOUIS, Mo. — Doug Lindsay was 21 and starting his senior year at Rockhurst University, a Jesuit college in Kansas City, when his world imploded.

After his first day of classes, the biology major collapsed at home on the dining room table, the room spinning around him.

It was 1999. The symptoms soon became intense and untreatable. His heart would race, he felt weak and he frequently got dizzy. Lindsay could walk only about 50 feet at a time and couldn’t stand for more than a few minutes.

“Even lying on the floor didn’t feel like it was low enough,” he said.

The former high school track athlete had dreamed of becoming a biochemistry professor or maybe a writer for “The Simpsons.”

Instead, he would spend the next 11 years mostly confined to a hospital bed in his living room in St. Louis, hamstrung by a mysterious ailment.

Doctors were baffled. Treatments didn’t help. Lindsay eventually realized that if he wanted his life back, he would have to do it himself.

His journey since has amazed medical professionals.

“He did something extraordinary,” said John Novack, spokesman for Inspire, a healthcare social network for rare and chronic-disease patients. When people hear Lindsay’s story, Novack said, they often say, “I can do something similar for my kid.”

His mother was a living prophecy

Whatever was wrong with him ran in the family.

By the time Lindsay was 18 months old, his mother was so weak she could no longer pick him up.

By the time he was 4 she could no longer walk. She did manage to pick him up one more time that year, when he was choking on a jawbreaker. She saved his life.

Otherwise, she was too frail. She lived for decades, mostly bedridden with the same condition that stole her son’s twenties. After years of tests, she determined her condition was related to her thyroid, but she was too sick to travel to the Mayo Clinic to get more specialized care, Lindsay said.

Lindsay’s aunt also developed the same ailment, growing so feeble she couldn’t tie her own shoes.

As a teenager, watching his family members sidelined from life, Lindsay wondered whether his body was a ticking time bomb, too.

That day in 1999, the alarm went off.

“When I called my mom that night to tell her I needed to drop out (of college), we both knew,” he said. The family curse had struck.

He found answers in discarded medical textbooks

From the fall of 1999 onward, Lindsay was bedridden about 22 hours a day.

“If I was up, it was because I was eating or going to the bathroom,” he said.

Lindsay immersed himself in medical research, determined to find a way out. He saw specialists from endocrinology, neurology, internal medicine and other specialties. When one doctor was out of ideas, he referred Lindsay to a psychiatrist.

That’s when Lindsay he realized he’d have to figure his predicament out on his own.

While in college he had picked up a 2,200-page endocrinology textbook near a garbage can, hoping to use it to figure out what condition his mom had. In it, he found an important passage discussing how adrenal disorders could mirror thyroid disorders.

He zeroed in on his adrenal glands, which sit atop the kidneys on either side of the lower abdomen.

Using a stash of aging medical textbooks, Lindsay hypothesized that a whole class of autonomic nervous-system disorders could exist beyond the established categories of what most endocrinologists or neurologists knew about.

He cobbled together cash for a computer, had an old college roommate bring it over, and got to work.

Lindsay soon stumbled on the website for the National Dysautonomic Research Foundation, delighted an entire organization was dedicated to researching the type of disorder plaguing him and his family. He asked the foundation to send him literature about emerging research in the field.

None of the diseases the foundation was examining fit Lindsay’s pattern of symptoms. But he was getting closer.

He convinced a researcher who believed in him

Lindsay soon decided he needed a partner — not just a physician but a scientist curious enough to take on a rare case and spend long hours with him parsing it out.

The best place to find that person, he reasoned, was at the American Autonomic Society’s annual conference, attended by scientists from around the world who focused on nervous system disorders.

In 2002, he give a presentation about his disease at the group’s meeting in Hilton Head, South Carolina. To get there, Lindsay bought a row of airline tickets so that, with the help of friends, he could lay across several seats during the flight.

Lindsay arrived at the conference in a wheelchair, wearing a suit and tie, and presented himself as a Jesuit-trained scientist. He tried to comport himself like a grad student or a junior colleague to the scholars in the audience, not like a patient.

He was just a scientist living an experiment in his own body. During his talk, Lindsay argued that a certain drug might help him.

Several of the scientists disagreed with Lindsay’s hypotheses about his ailment. But that wasn’t unexpected. He didn’t even have a bachelor’s degree and he was telling doctors from Harvard University, the National Institutes of Health and the Cleveland Clinic something their medical training told them was impossible.

“They didn’t patronize me. They treated me like a scientist,” Lindsay said. “I was entering into a world of science I couldn’t participate in because I was at home and couldn’t be a grad student.”

Dr. H. Cecil Coghlan, a medical professor at the University of Alabama-Birmingham, approached Lindsay after his presentation. Coghlan said he thought Lindsay was on to something.

At last, Lindsay had a medical ally.

His first innovation was repurposing a drug

In early 2004, one of Lindsay’s friends rented an SUV, loaded a mattress in the back and drove him, lying flat, 500 miles to Birmingham.

Lindsay suspected his body was producing too much adrenaline. He knew of a drug called Levophed, which is approved by the US Food and Drug Administration to raise blood pressure in some critically ill patients. Levophed is basically an injection of noradrenaline, which counters the symptoms created by excess adrenaline.

It hadn’t been done before, but Lindsay convinced Coghlan to repurpose the drug so he could live on a 24/7 noradrenaline drip for the next six years.

Lindsay spent “every second of every day” hooked up to an IV. It stabilized his condition and allowed him to be active for short periods of time around the house.

“I was no longer at risk of losing everything,” Lindsay said.

Still, other than doctors’ visits, a high school reunion and a few weddings, Lindsay’s autonomic dysfunction kept him mostly confined to the house he grew up in well beyond his twenties.

Why was he so sick, he wondered? Something was dumping way too much adrenaline into his blood.

Coghlan told him he might have an adrenal tumor. But three scans of his adrenal glands all came back negative.

Discouraged but not deterred, Lindsay did the only thing he could do: He dove back into the medical literature.

And he came up with a treasure.

Later he diagnosed a disorder doctors didn’t believe could exist

Lindsay suspected there might be something in his adrenal gland that acted like a tumor, but wasn’t one.

A fourth scan in 2006 showed his adrenals “glowing brightly,” Lindsay said, an abnormality consistent with his new theory.

Coghlan called Lindsay and said, “We found it!” The diagnosis: bilateral adrenal medullary hyperplasia.

In layman’s terms, it means the medullas, or inner regions, of his adrenal glands were enlarged and acting like tumors. His adrenal glands were producing way too much adrenaline.

Experts in the field doubted the diagnosis. But Coghlan put his professional reputation on the line to back it.

As Lindsay delved into more medical literature, he found only 32 recorded cases of bilateral adrenal medullary hyperplasia.

And he fixed on what seemed like a simple solution: If he could cut out the medullas of his adrenal glands — sort of like slicing into a hard-boiled egg and removing the yolk — his health would improve.

Dr. Chris Bauer, Lindsay’s personal physician, calls his ailment an “atypical presentation of a rare disease.”

“They don’t really write textbooks based on that,” Bauer said. “We were were all learning with Doug as we went along.”

Then he pioneered a new surgery

Lindsay finally came to a bold conclusion. “If there isn’t a surgery,” he decided, “I’m going to make one.”

His first big lead came in 2008. He found a 1980 study from a scientist at Georgia State University, which he summed up as: “You slice the rat’s adrenal gland with a razor blade and squeeze it so the medulla pops out like a pimple.”

Then he found that another version of the adrenal medulla extraction had been done at Harvard. Renowned professor Walter Bradford Cannon had performed the surgery on cats in 1926. Lindsay found records of the surgery being done on dogs as well.

He built a 363-page PDF which proposed a first-ever human adrenal medullectomy.

Then he spent the next 18 months working to find a surgeon who would oversee the unorthodox procedure.

Pioneering a new surgery is a high-wire act for ethical and financial reasons as well. Surgeons could risk losing their license by performing an unproven operation, especially if complications arose. And insurance companies tend to not reimburse patients for non-standard procedures.

Because many of the doctors in that specialized field knew each other, Lindsay was careful where he pitched the idea that might save his life.

Eventually he recruited a surgeon from the University of Alabama-Birmingham. In September 2010 Lindsay went to the university hospital, where the doctor successfully extracted one of his adrenal medullas.

Three weeks after the procedure, Lindsay could sit upright for three hours. By Christmas Eve, he had the strength to walk a mile to church.

As he stood in the back of the church during midnight Mass, it finally felt like hope was winning.

But progress was slow. In 2012, he underwent a second surgery at Washington University in St. Louis to remove the medulla from his remaining adrenal gland.

A year later, he was well enough to fly with friends to the Bahamas. It was the first time in his life the Midwesterner had seen the ocean.

By early 2014, he was coming off some of his meds.

Coghlan, his champion, lived just long enough to see Lindsay’s remarkable recovery. He died in 2015.

Now he’s helping other rare-disease patients

Against the odds, Lindsay had found a way to save himself.

But his mother was too delicate to be moved to another facility, let alone endure the surgery her son pioneered. She died in 2016.

She didn’t get to see him walk across the stage to graduate that year from Rockhurst University with a bachelor’s degree in biology, 16 years after he originally expected to begin his career.

Lindsay is now 41 years old. Many of the friends with whom he planned to graduate are now married, with kids in grade school.

“You can’t recapture the past,” Lindsay said.

Today he still lives in his childhood home in St. Louis. He needs to take nine medications per day, and his health is far from perfect, but he has his life back.

He’s not exactly the biology professor he dreamed of being at 21, but he’s not far off the mark. He’s leveraging his experience into a new career as a medical consultant.

“I couldn’t be an assistant manager at Trader Joe’s. I don’t have the physical ability for that,” Lindsay said. “But I can travel and give speeches and go for walks. And I can try to change the world.”

Doctors are turning to him to help them identify and treat rare diseases like his own.

“I’m a full professor at Stanford, and I don’t know these answers,” said Dr. Lawrence Chu, who found himself leaning on Lindsay when a rare disease patient came to him. “Doug was the expert consultant.”

Lindsay has spoken at medical schools, including Stanford and Harvard, and at a growing list of medical conferences. And he’s working on a case study to be published in the British Medical Journal.

With his gift for solving intractable problems, he hopes to help steer other patients with hard-to-treat diseases on a path toward wholeness.

“I got help from people,” he said, “and now I have to help people.”

from FOX 4 Kansas City WDAF-TV | News, Weather, Sports https://fox4kc.com/2019/07/27/he-was-forced-to-drop-out-of-college-and-bedridden-for-11-years-then-he-invented-a-surgery-and-cured-himself/

from Kansas City Happenings https://kansascityhappenings.wordpress.com/2019/07/27/missouri-man-bedridden-for-11-years-invented-a-surgery-and-cured-himself/

[cyberdelusionphilosopher-blog]

I’m 27 and I want to get life insurance, what kind is best?

"I'm 27 and I want to get life insurance, what kind is best?

I don't really understand what 10;15;20 year term life insurance means, or whole life insurance and what company is best but I think I want to get it while I'm young and ...show more

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

RELATED QUESTIONS: 

What is the most economic way to insure a second car?

I already have fully comprehensive insurance for both myself and my spouse on our first car but now are looking to buy a second car. I also have 9 years no claims bonus.

Insurance as a 17 year old on a 1973 Volkswagen Beetle?

I am 17, I am currently insured under my mums name on a BMW 320D. However I have my own car, which is a 1200 Beetle 2 Door Saloon, petrol and manual transmission. I live in Northern Ireland, UK. I was looking to get insured in it after I get it MOT'd and taxed. I know nothing about insurance on vintage cars, so anyone who has more experience in this field could you please tell me how to go around doing in. Who should I get insured with? I dont want to be spending more than 100 a month.""

I am thinking of get a Honda Accord (1996-2001) in fl was wondering how much is basic inserance?

I am thinking of getting a Honda Accord between the year of 1996 and 2001 was wondering how much is it gonna cost for minimum insurance if I am 16 about to tern 17

Health insurance for college students?

I'm going to be a sophomore in college and I don't think my college offers health insurance. I'm looking for cheap health insurance that'll cover me for check ups with my pediatrician, visits to the dermatologist, and prescription drugs. Suggestions?""

How do I get insurance help for pregnant women?

I was on vacation in Hongkong when i learned im 3 months pregnant, now im back in California and already in my 26th week. How do I get help applying for government programs (i dont have medical insurance) like AIM, since my husband's income is a little over for Medical.""

Car insurance policy?

Hi.A mate of mine purchased a car insurance from AA.com in july2008 & paid the full annual amount upfront. About 6 weeks later someone vandalised the car,so she he called the police & AA to report the incident.He told me that the AA said The damage sounds like it will have to be written off ,If this is the case,does he get the remaining 46 weeks of this insurance money back?,I know this sounds silly ,but he thinks by asking the AA ,they might accuse him.....Thanks""

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

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

Is it any difference between Insurance agent and broker?

Is it any difference between Insurance agent and broker?

Gap insurance on new auto?

what is the cost for gap insurance for honda acord 4 door sedan 06 year

Motorcycle insurance?

I am looking to get a motorcycle in the future and I know it takes time and money, but most people do not ride in the winter (NJ), so my question is, can I cancel my motorcycle insurance during winter months, so I am not paying all year round? Also, are there any reprocussions to doing this? Thanks.""

What is a good car insurance for a DUI offender ?

My 1st time offense and hopefully the last, anyone no of a good car insurance that is reasonable in prices. I've been driving for 10 yrs and no tickets did have a clean record until this happened now I feel like a felon california DUI laws are too harsh bastards thats how they make money!!""

Teen driver car insurance?

i'm 18 years old, got my license officially in march. I can't really drive my parents car around because im not on their insurance plan (and they worry) what is the cheapest car insurance plan i could get possibly to be insured with my parents? not sure what they have i think its state farm. does insurance depends on the car? if it matters my dad has a 1997 mini van,plymouth. and my mom has a 2005 jeep cherokee. about how much would it cost to be insured in one of their cars?""

What exactly does general liability insurance cover for a small business?

does it cover theft and breakage?

Why is Esurance so cheap? Are they a good company?

I'm in NY, and apparently insurance is way more expensive here for whatever reason. Well everyone in my family has gone to Esurance to get a quote, and it's WAY cheaper there. I mean we're talking $100-200 less a month. Progressive wants $300 a month for me and my mom on the same plan... which is about the same as other quotes I've got. Esurance wants $140. I can't help but wonder if it's a big scam or something.""

How much is insurance for a bmw z3?

I'm a male 16 yr old , just got a 1999 bmw z3 convertible. 30,000 miles for $6,999 (sweet deal!!) what would insurance be? My record is clean (of coarse) and straight A's. ...show more""

PPO vs. HMO Insurance?

I am trying to understand pros vs cons of HMO vs PPO. We are a family of three (myself, spouse and newborn). We do not have much health issues. Premium difference is about $150 per month (i.e. HMO cheaper than PPO). But need to understand any limitations of HMO. Is it tough to find a PCP who takes HMO insurance? Or is it people with health complications usually opt for PPO as it is more flexible?""

Looking to insure a Corvette.?

I'm a 16 year old kid ill be 17 in a few months. I am currently saving money to buy a car and my dad will match what i make to buy a car. but that's not my question, like every teenage boy who takes an interesting we all want one thing: sports car. Of course, i looked into cars like the Mitsubishi Eclipse or whatever but my dream is a corvette. Ive looked at prices for a c4 or c5 vette and to buy them i can manage, its the insurance that's worrying me. Can someone give me an idea of insurance costs for a c4 or c5 corvette for a 17 year old kid? I'd appreciate all the help i can get.""

I got a ticket the same day as I got insurance?

I got pulled over but didn't have proof of insurance. I got a ticket, but only have to go in to the highway patrol to get the paper signed when I show proof of insurance. I got insurance that same day, will that work?""

Auto insurance for daughter's boyfriend?

My daughter's car is covered under our policy but we do not want to add her boyfriend. She (20) is losing her license for 3 months and wants the boyfriend (21) to drive her car. Can he get insurance that would cover him while driving her car? The car is in her name and my husbands.

How will the Affordable Care Act impact part-time and full-time employees?

So I get that employees working 30+ hours, and where there are 50+ employees, have to be offered health insurance, lest the company get a fine, but I'm not sure how that will work ...show more""

Is Diesel cheaper than gasoline for insurance?

i need a 4x4 truck, im 16, which is cheaper for insurance?""

Has anyone driven past a police car without car insurance?

I've read on the internet and asked questions here on Yahoo about people driving without car insurance. The majority have said that police cars have a scanning system that automatically checks cars that goes by for MOT, tax and car insurance. I am wondering if anyone has recent experience of driving without car insurance past police cars and have anything happen to them? Have the police cars picked up that you have no insurance? I have car insurance by the way, i am just curious.""

How much will insurance costs?

I am under 25 years old, live in CA, and first time car owner and getting insurance on a car older that 15 years... which company do you recommend and why? Thanks!""

My job took me off the schedule because im pregnant?

im 4 months pregnant . and have very hight risk pregnancy. and mt job requer havey lefting . so my i get a doctor note that i cant left more than 8 pounds, my job put me on leave off absents without telling me. i talk to my HR and they told me i can apply for short term disability now than maternity leave when i have the {babies} my question it I have my insurance thought liberty mutual . would i be approved? if now what to do i cant Afford to not get paid?""

""Has anyone ever heard of the following insurance companies: Safe Co., Travelers, and Hartford?

Are they good/reputable companies?

I'm 27 and I want to get life insurance, what kind is best?

I don't really understand what 10;15;20 year term life insurance means, or whole life insurance and what company is best but I think I want to get it while I'm young and ...show more

How much is insurance for a honda accord coupe v6 ?

I'm 18 yrs old and I'm considering buying this car if insurance isn't bad

Cost to Insure Skyline.?

got a R34 GT-r. maybe thinking about downgrading to a GT-s R33 cuz i the insurance is a little ridiculous. $640 Thats full coverage and im only 19 :P turnng 20 soon. Which would be more to insure and what you think it would cost to insure the R33? I do have 1 speeding ticket and one wreckless driving back when i was 16.

How much is the car insurance payment for a used 2002 honda civic lx?

i wanna know how much car insurance payment will it cost me per month at triple A insurance at bakersfield california.

How much was your insurance for your first 125cc motorbike?

So im 19 years old and got my CBT test passed and i am getting a Honda CBF125 brand new for 2400 and it will be locked away in a garage at night i live in a low crime area aswell and im looking for comprehensive insurance and im using price comparison websites and im getting quotes at nearly 800-900. Was anyone else getting quotes this high when they got there first insurance? And where is the best place to get quotes?

I am a male with a 2003 ford focus with 47000 miles I also live in PA what would be the cheapest car insurance

I am a male with a 2003 ford focus with 47000 miles I also live in PA what would be the cheapest car insurance

Is it bad to cancel new car insurance after just 1 month?

ok i bought a bad car from a dealer that scammed me and im a new driver and it was the first time i had a car and the first time i put on car insurance the reason why im asking is because ive bought the car and after 10 min of driving the car it died on me and there was no warranty dumb of me not to buy a warranty plus it was an old car anyways i got new car insurance and i sold the car and people was telling me that because im a new driver if i cancel my insurance early that i wont be able to open up a new one or it will be harder to open one up in future is that true?

""If you're car is stolen, will your insurance rates increase if you are reimbursed by your insurance?""

If you're car is stolen, will your insurance rates increase if you are reimbursed by your insurance?""

Does homeowners insurance work like my car insurance?

example: I bought my car for a grand and if I get into an accident the insurance will only cover what I paid for the car and not what I've invested into the car since I bought it... say I buy a house that's a bank foreclosure and get it for $10,000 but its worth $80,000 now if the house were to get hit by a sunami earth quake and then burn to bits would I only be re-embursed for the $10,000 like my car insurance or would I be covered for the full value due to size and destruction ect.????""

How can i get birth control for cheap without insurance or medical card!?

so i'm 20 years old turning 21 in about a couple months in Illinois and i just recently became sexually active like three months ago... i'm worried about pregnancy so i was thinking about the pill but i dont have medical insurance and no medical card to pay for it.. does anyone know how much the first exam is and how much the pill is!? Or where i can go get help paying for these things?!

Jeep Wrangler: Insurance coverage costs?

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

Will traffic points on your permit affect your insurance when you get your license.?

I am a 16 year old living in Florida who has my permit and is about to get my license. I recently got a ticket for not wearing my seat belt, and I'm not sure if these points from my ticket on my permit will affect my insurance rates when I do get my license. I know you can take that class and erase the points, but I just don't want to spend 4 hours there if I don't have to. Thanks.""

Health Insurance?

This may be silly, but I saw a commercial the other day on tv that was advertising for health insurance for a little over &5.00 a day. I am currently in the hunt for health insurance so i wanted to go online and get some info. As luck may have it by the time i was able to get on the internet i forgot what the website was. I know the company starts with an e and its right at the tip of my brain, but i cant remember. Like i said this is a bit silly, but if anyone knows what im talking about please let me know! I havent seen a commercial for it sense.... I live in dutchess county, NY. Thanks!""

Am I required to put my parents down on my car insurance? I am concerned about liability.?

I am an adult over 40 yrs old, living with my parents. I have not been off my parents policy before. I live in New York State. Am I required to put my parents down on my car insurance, or would their car insurance cover it if they had an accident while driving my car?""

Changing insurance from a cbt to a full motorbike licence?

I am currently 16 and becoming 17 this month. I already have my 125cc motorbike in my garage, I want to insure it on my birthday on a CBT but want to pass my motorbike test so I can ride on motorways and get rise of my L plates. My question is if I'm already insured with a CBT, what will it cost me to change to swap to a full motorbike licence. Will my insurance company charge me anymore?""

How much is insurance on a motorcycle for a 16 year old caucasion male in Texas??

i have never had a car or anythin. i am wanting to buy a kawasaki 599cc. i havnt had any accidents or anything. i just need an estimant on how much it would be monthly. now plz dont say call your insurance company or give me a site to go to just plz gestimate what you think it would be.

Car Insurance Cancelled due to not sending documentation...?

I recently had a car insurance policy cancelled due to not sending off my documentation (driving licence & counterpart) in time. So, I started to apply for a new quote, and it asked if I'd ever had a policy cancelled, I ticked yes, and in comparison to begin with the quote doubled. This was because of the cancelled policy. I assume they do this because people have policies cancelled due to non payments, however, obviously mine wasn't. Is there any way I can get around this because it wasnt actually cancelled because I didn't pay...?? Please help, as an 18 year old girl car insurance is expensive enough! Thanks""

Pregnant And Can't Get On State Health Insurance!! What Should I Do!?

I'm so pissed off!! I have tons of medical bills stacking up and I am on no health insurance! Because I live with my parents and am under age 21 (I'm 20 and will be til May), and I already have one son. Thankfully he's covered. But I have all these bills that are stacking up and won't be able to be paid off because by the time I get on anything it'll be past the 3 month time limit for back pay!! I live in MN and the problem with getting my parents income is my mom and dad both have new jobs, but my dad was laid off his old job so how the hell am I supposed to get his stop work form filled out by a company that no longer exists!?! I can't get on anything unless I have their income!! Even tho' I'm 4 months pregnant!! This is so f***'d up!!""

""Car insurance, Am i being Ripped off?""

so Im 18, and my brother is claiming that my dad has been ripping me off on car insurance for the past year since Ive had my 99 coralla, its a beat up car. I pay $70 a month, where my brothers gf is only paying $10, I have only liability, we are with country financial or whatever and Im under my dad, and my dad has three cars with them, so his insurance is like 30+ for full coverage each car. So is 70 bucks justifiable for me or is my dad lying to me, i never seen the bill, ive always have given him money when he told me to give it to him. (i do understand that my age causes my insurance to go up) im just curious before I confront him.""

Need affordable heath insurance in NJ?

I'm trying to find a health insurance plan for me and my fiance. I currently do not have health insurance but I am on Birth Control for cyst prevention and it runs 90$ a month. My fiance will be expunged from his parent's plan in October when we are married. I am a nanny and he is a personal trainer and tennis instructor, both jobs do not offer plans since he is not considered fulltime. I went to ehealthinsurance.com for a quote and the lowest is 375 with a steep deductible and limited coverage. We are also both fulltime college students so we are not able to pay much along with our other living expenses. Does anyone know of anyway of getting low cost insurance? I looked into family care etc, but unless I'm pregnant or have children, I wont be covered. I'm at a catch 22....we really want kids but not without being stable first...so either I pay for birth control or health insurance for prenatal and maternity (ha ha ha) I'm getting a bit frustrated here...Will definitely chose a best answer and thanks for reading this :)""

What insurance would be best for a Salvaged Car?

See I am a first time driver and I bought a Car which has a salvaged title due to a minor fender bender, I don't drive it because well I've only had it for about 3 days but I would like to know what would be the best coverage I can get from any insurance on a Salvaged title car. I hope it was worth my money buying a salvaged car. some one help!!! PLEASE!""

How much should I charge for tutoring?

I'm a senior in high school with over a 4.0 weighted average, and I'm thinking about doing some tutoring work for money, since no local businesses are hiring and I need to start paying car insurance soon, since I'll be driving. I'm wondering what to charge per session, and how long a session should last. I've figured out that I can tutor any subject for levels K-8, along with HS level Biology and Chemistry. Alternatively, for levels K-6, I'm willing to offer general homework help. I have some experience - I tutored someone who was failing two to four hours per week last year in HS Chemistry, and she ended up passing the course, including her NYS Regents Exam, which many people failed. From what I've seen, tutors around here make anywhere from $10 to $40, at my level of education. Is $10-15 unreasonable for a general homework help session? How does $20 sound for levels 7&8 math, or HS subjects? Is this too much? Too little? Could I make it work?""

How much does car insurance cost?

I am 17 years old and looking to get a car immidiately, althought I've only had my G2 for a week. I'm looking to buy a 2door Pontiac sunfire, anywhere from 1998-2002. My dad is a single parent, with one vehicle, and a perfect driving record. How would me and my dad go about to find thr cheapest insurance possible? Would I be the primary driver on the car? How much does teen insurance under a parents insurance usually cost per month and year? THANK YOU! EASY BEST ANSWER GETS 10 :)""

How do I insure my new used car while I wait to pass my test?

I have a UK provisional driving licence, am due to take my practical test in little over a week and have just bought a used car. I have purchased temporary insurance so that my mum can drive the car home for me, which cost me 45 for the day. I'm an older learner driver, (over 40). How do I insure the car whilst it sits on the road outside my house until I pass my test?""

Affordable Health Insurance for a single mom with one child?

Can anyone provide me with some information about getting an affordable health insurance plan for a single mother with a small child (2 and a half y.o.)? My wife and I are getting divorced. It is an uncontested divorce and we just need to figure out the support payment amount. This is the last variable. Also is there any way to keep them both under my plan at work after we are divorced? Any help is greatly appreciated! Thank you so much!

Question about car insurance?

okay so i was recently in an car accident and my car was a total loss. The accident is not my fault. I received my settlement check for my vehicle after paying my deductible for my insurance company. 2 months later now I received another check from the other insurance company at fault with an attached form stating that the check is for repairing the damages on my vehicle. Is this check safe for me to cash out? Not complaining of getting extra money, but Im just curious why would i get another check when i already got a whole settlement check from my insurance company. Shouldnt the other insurance be paying my insurance company instead? any help would be great.""

I'm 27 and I want to get life insurance, what kind is best?

I don't really understand what 10;15;20 year term life insurance means, or whole life insurance and what company is best but I think I want to get it while I'm young and ...show more

Is car insurance more expensive in Florida or Oklahoma?

I moved from Ohio to Oklahoma and my car insurance rates went way up. Now I'm moving to Florida. I was just curious how Florida rates and if my insurance will be more or less expensive there? Thank you!

Car insurance for 300 to 500 dollars a month?

Are there any insurance plans for cars that cost 300 to 500 dollars. I have a bugeting packet for my twenty first lit class and I wanted to know what insurances would have car insurance at that cost. Thanks!

Cheapest Car insurance for a 20 year old? Currently a student?

Hi Im a 20 and I have no car insurance, my dad gave me a mercury sable LS 0. I had insurance with my mom under Century 21, I got in a tiny fender Bender bumping into a car at a traffic light. Then my mom took me off the insurance. I had a claim. Anyway I got pulled over with no proof of insurance, I payed the penalty for it, how much will insurance cost me? I live in Orlando FL""

I fell asleep on the interstate and got into a collision with an 04 BMW w/o insurance.?

I was late on payments and my insurance will not cover. I was at fault and I got a letter in the mail today and the lady said so far the damages are $11k... What should I do?? accident was on 2/27/11 in FL

""Looking for auto insurance, do I need to report an accident?

I was driving a friend's car and was involved in an accident. I was not at fault and no ticket was issued. My friend's insurance paid for the damage on the other car. Do I need to report this accident while shopping for car insurance or can I leave it out? I live in California and was required to report the accident to the DMV even though I was not at fault.

Cheapest car insurance companies for young adults?

I'm a 23 year-old student attending to college, my dad has Allstate so he added me into his policy and it looks like I'll be paying $224.11 for six months; driving a 2001 Mazda Millenia. Does this sounds comprehensive? I feel as is too much. Also, what if I put myself as a married person, will that make a big difference? Thank you.""

Fellowship in insurance?

what is the scope for fellowship in life insurance and general insurance in india to start a career in insurance.

Estimated Price Insurance On Lexus IS 250?

I am a 23 year old female living in California. I've been driving since 18 years old with a clean driving record. I plan on getting the 2007 or 2008 Lexus IS 250 sometime this year. Any ideas on how much the insurance would be for me? Thanks in advance! =]

How much is a moped? Test and insurance?

Struggling to afford a car, so looking at buying a mope until I have a decent wage to afford a car. How much would the test be and on average how much would insurance be?""

Why do i have to pay car insurance?

okay, ive been driving for about 3 years now (im18) and in those 3 years ive had to pay about over $200 a month for car insurance plus the yearly down payment of $600. and in those 3 years ive never been in an accident. im always cautious, drive good, etc... where has all that money gone? its a robbery i tell ya. its a scam, a waste of money. an extra burden on our shoulders. now my license is suspended for not paying insurance. i barely have enough to pay rent and other bills. so why pay $200 a month for something i dont need? there must be some other way. i know what you people are gonna say. your too young, you could get into an accident and all that other bull shte. and thats all it is. bull shte. or, you never know when the accident will happen. okay. but what about the 3 years? 3 times 600 down payment is 1,8000. plus the 200 time 36 months is. $9000 total... wtf? and if i ever did get an accident, it wont be as big as that of a bill. all im saying is. is there any way i can legally drive without having to pay insurance? i live in florida. what if i got a lawyer to fight the case. saying car insurance is a fraud?""

Can a 16 year old get auto insurance without being under a parents name?

I'm a 16 year old girl and I'm buying my own car. My parents and i don't get along at all (stepfather hates me, mom isn't on my side). So can i get auto insurance without being under their name? Also, would it cost a lot more? I'm an honor roll student.""

ABOUT how much is scooter/moped insurance cost?

if it is 150cc? i will be 16 when i get it. any good brands to look for? thanks

Cardiologist income and malpractice insurance?

What is the average income of an Invasive Cardiologist? about how much would malpractice insurance cost? how many years of school are required? how many years of internship?

Why are women getting angry over this new car insurance ruling?

Women want to be treated the same as men...same pay, same rights etc but now that the EU has ruled that gender should not e a factor in determining car insurance prices they are not happy about it? I'm confused""

Price for health insurance?

I found out today that my health insurance each month though my company is going to be $234 a MONTH. It's $468 but the company pays half. I'm not married or have any kids so it woul be just for me. I can't take it because it would cut too much into my paycheck. Is this a ridiculous price or the average?

Car insurance and moving?

I'm going to buy a car soon, And then move pretty much right after that...It would be a good idea to get the insurance and plates and stuff before I go, obviously, but what will need to be done once I move? I heard that as long as I live in my parent's house, the insurance would be cheaper, well, I'd be moving out...so I have no idea how to get everything straightened around.""

Which life insurance is the best one to get and the most affordable and reasonable? Is it the whole life

insurance? or premium life insurance? or term life insurance?

Car Insurance on a cheap car question?

Okay so i am currently a secondary driver on two of our car at my house. I am 17 years old. I want to buy a super cheap car on kijiji for like $500 just to mess around in as I wouldn't care if anything were to happen to it. I have a few questions. When i go to pick up the car, can i drive it without plates? Do i need insurance to drive it home? or is there a grace period? If i were to buy the car, fix it up, and then sell it, are there any regulations on this? what documents do i need? I have never bought a used car from a private seller or bought a car in general so any help is greatly appreciated!""

Insurance or not insurance?

hi i had 4 years insurance no claims bonus last april 2011 on my car , i changed it onto a van and drove ir for a year, ... in october i was in court for handling stolen goods ... which i did not disclose to the insurance company at the time because i thought the offence was dropped as it had happened in 2009, anyway in november i had to renew farm insurance with a different company in november and they declined the renewal because of the criminal conviction,.. so i asked the company that my van was insured with for a farm quote and again was declined, i asked about the van insurance being valid and was told to inform them at the renew in april,... in april they declined to renew the van insurance because of non disclosure of criminal conviction,... and told me last years insurance was void and i would be refunded premium and not be intilted to my 5 year no claims bonus,.. two days later they decided not to refund and have gave me my 5 years no claims bonus,.. ??? as the insurance was valid and that they covered me while they knew i had a conviction and non disclosure , do they have the right to refuse me renewal and , why can i not get a quote of them for renewal, the quote i got of some one else is 3 times last years price , need advice thanks""

Would my car be covered under house insurance?

I am taking 3 months off, and going abroad. Could I cancel my car insurance, and put it in the garage? Would it be covered?""

""Car Insurance, Borrowing a friends car?""

So a friend of mine is letting me borrow his car for three months. now the problem is insurance. We dont know what to do. He has full coverage insurance with statefarm but said that he cant simply add my name to the insurance because if i get into an accident and get sued, his parents (who the car is registered too) will have to pay for the liability. what i'm confused about is if he has full coverage, and my name is under their insurance, wouldnt the insurance company pay for it and not his parents? His suggestion says that the only way i can borrow the car and cover all liability and contingencies is if he transfers (or 'sells') the car to my mom, so the car can be registered under MY parents name rather than his, so in the case of being sued, my parents would have to pay for the damages. what to do!?!? HELP!""

Insurance for Porsche Cayenne?

hi, im thinking about buying a 2005 Porsche Cayenne, and was wondering how much the insurance will be for such car?""

I might be pregnant where do i go to get a test were i have no insurance?

I have taken a HPT and it came up negative, but i didn't get my period. I have no insurance I just moved and started a new job. So where do I go without paying a lot of money?""

""What's more important , Insurance payment or Car payment?""

My car is soon going into repossesion. they gave me a dead line 23rd , and i am desperately looking for a job . anyway , i have 200 dollars in my acct. I was thinking of paying the 200 dollars for my insurance. which i was lever late for paying . and then hope that i get a job and pay the 425 dollars which i am 30 days past due , payment on the 23rd.. do you think I should just not pay the insurance this month , and let them bill me for a fine , than let my car go into repossesment ? if i dn't pay for it , i will have atleast 200 in my bank and then I could hopefully ask my mom ( which i dn't wanna do ) for the rest ( another 225 , total 425 for the CAR ) till i get a paycheck .""

Premium rates increase after an auto accident?

I rear-ended a car and that car hit another car. The car in the middle I believe will have lots of damages to repair. When my premium rates increase, what is the deciding factor on how much it will increase? Is it the cost of repairs to the cars? or just the fact that I got into an accident. In addition, with this one accident and 2 cars having damaged does that mean that the insurance company would see me hitting 2 cars instead of one which will increase my premium even more? And by the way, my insurance company is mercury if that helps! Thanks!""

I'm 27 and I want to get life insurance, what kind is best?

I don't really understand what 10;15;20 year term life insurance means, or whole life insurance and what company is best but I think I want to get it while I'm young and ...show more

Maternity insurance coverage?

I have been searching for insurance coverage for weeks now and I can't find a single plan that includes maternity coverage (not even the hospital stay for the birth) I live in colorado and I am currently not pregnant and I currently don't have insurance. I just want to be covered because i'm a healthy 22 year old married woman and you never know what will happen. does anyone have insurance that covered their pregnancy? what are my options? what did you do?

Will my car insurance increase due to a traffic violation?

I have 2 ticket's prior last night 2 of which were speeding and last night's is a traffic violation. 1 ticket was paid for and had to do some traffic school 2nd ticket i paid for but did not go to traffic school that's when i noticed that my insurance rates went up due to a speeding ticket. The ticket from last night was infraction of a wrongful left turn from oncoming traffic should have yield. Now i will pay for the ticket aswell as attend traffic school will my insurance rate go up?

Car insurance Michigan?

Im 23 i will be trying to buy a car. I have the down payment but its the insurance that the dealers are scaring me with. One dealer told me it would be about 400 to start a policy. My question is do i havr to pay that whole 400 to get my car off the lot or will it be like half and then the other half later that month

If you get disability do you lose your health insurance?

I live in Tennessee and I have PHP health insurance. I am thinking about trying to see if I could get disability because of my many health problems. I am wondering since the government pays for my health insurance and I get approved would I lose my PHP?

Cheapest car to insure/ run in UK for a 21 year old female?

Someone said Renault Clio. Then someone said no, because they're branded boy racers. Then someone said Vauxhall Corsa. But then they're supposed to break down frequently. I don't like Ford Ka's or Micra's. Help me please! Aha x""

No insurance ticket do i have to be under the insurance of the car i was driving in?

ok so i got a no insurance ticket but im not covered in the car i drove in. i drove my parents car and so i couldnt find the insurance card when i got pulled over. i rarely come home i live about 400 miles away. the car has insurance and i am just waiting for my letter to come. so in Californa do i have to be under my parents insurance to get my ticket cleared?

My employer expects me to utilize my personal car insurance for renting cars for business purposes.?

Why should I carry the responsibility? My car insurance would go up if I am in an accident or the car is stolen. Am I being unreasonable? There is no coverage through my company AMEX card, I checked. I do not want to be a problem employee but I do not see how this is fair.""

Which insurance companies will have to pay to fix my car? Mine or the other guy?

I had a car accident two days ago. I was hit by other one but police said that's a miner damage. And it seems to be my fault. No police report make. Today, I went to a body shop to estimate the repair. It's about around $2200-3000. It's a lot. kinda scared me actually. No idea should i call my insurance company to tell them or? That's my first time to have a car accident. My insurance has $200 deductible. Can anyone tell me what does that mean?""

Friend wrecked car and i have no insurance and he has liability?

Let my friend drive my car while I was inside of the car and he wrecked it. i have no insurance and he only has liability. Will his insurance cover it or will i have to sue him?

""Im a 14 years experianced driver , going to reside in USA, Wi, soon ; how will be my Auto Insurance policy?""

Im a 32 years old male and I have been driving for past 14 years. Im going to move to USA , Wisconsin , I would like to know how will be my Auto Insurance Policy? Will I be considered as a new driver , Since I belive I would have to apply for an American Driving license?""

Insurance For Aprilia RS50: Im 16?

im 16 and im going to get an aprilia RS50 and i was woundering how much the insurance would be?? also? how much would the insurance be on a 50cc moped?

Will my insurance go up?

I am 17 and had insurance. I got into a wreck because i dint stop at a stop sign and hit a car. everybody was fine and i got a ticket for driving left of center and careless prohibited driving. So is my insurance bout to be high??

Exactly what is a car insurance supplement?

After the accident, my adjuster originally estimated the damage to be around 3,400 dollars. With my 500 dollar deductible, they sent me a check of 2,900 dollars. But at the body shop, they estimated the cost of damage to be around 7,700 dollars so now the body shop called over an appraiser to look over the car again. Since the body shop's estimate is a lot higher, would the insurance company issue me a new check with the higher amount to cover for the damage? Is that what a supplement is? And what do I do with the 2,900 dollar check? Do I send it back and or have it voided and get a new check with the higher amount?""

A 125cc Scooter in California?

I want to get a 125cc scooter just because it does use a lot of gas. In California, does a 125cc scooter need a license plate? Do I need to buy an insurance? Do I need a driver license? Do I have to ride on the bike lane? or I can ride as a car? How do I make a left turn? How do I park my scooter? park it as a car (occupy a car parking spot)? It's in California. Thank you very much""

What home insurance company insures homes with knob and tube wiring?

I am looking to purchase homeowners insurance on my home. It has knob and tube wiring and a circuit breaker. I was told that the knob and tube is a more recent version or wiring and not as bad as the older kind. I am having difficulty finding an insurance company with reasonable rates, under $600.00.The home is valued at $90,000.""

Has anyone ever heard of Titan auto insurance?

Has anyone ever heard of Titan auto insurance?

Am I going to be late on my car insurance?

My car insurance is due tomorrow. I ended up setting up a payment for it online today but the payment won't transfer until the 22nd. Will this be considered late for my insurance ...show more

What car insurance do u have and how much do u pay?

my mom and my brother have progressive i think i might be in there too but the bill came over $2,000....we don't even make close to that much a month""

Can you get your Lexis-Nexis insurance score?

I recently got a quote for auto insurance, and the company said they used Lexis-Nexis insurance score - am I entitled to get a copy of this report for free? If anything on it is wrong, can I have it changed?""

Cheapest car to insure for a 21year old?

hey let me firstly tell you all my situation.....im 21 years old, a new driver only having just got my licence looking to buy and insure my first car. i wanted to buy a 1999 peugeot 206 1.1 which costs 700 but the insurance is almost 3000 which i just cant afford? can anyone think of any other half decent cars that arnt too expensive and also cheap to insure? they must be really safe cars though as i have a young child. im in full time employment, live in a safe neighbourhood, the car would be parked in a locked carpark overnight and im only really looking for third party insurance. please help!!!!!""

Weekend only car insurance?

I'm looking for some car insurance but only need it for the weekends but every weekend. I was wondering if a) there is at all anyway that this is possible, and if so where I could do this? It is for an under 21 year old as well Thanks""

What are the upsides/downsides to a LPG/Autogas conversion.?

With auto gas being roughly 60% of the cost of petrol, investigating a conversation is attractive but not if it is just simply an exchange of costs and the whole deal just is a contra entry. Much lower mpg , increased service costs, insurance, more wear and tear are just some of my thoughts. Also how does auto gas effect performance ? Hence what are your experiences (in the UK please), costs, regrets and pleasures concerning the topic.""

Do i need insurance to get a title transferred into my name?

I just bought my first car, and i have never had insurance. i live in pennsylvania, so can i go the the title transfer place and get it done without insurance? ill get insurance the next day, but insurance companies will not accept me until the title is transferred?""

I live in california and need health insurance. What should I get?

I live in california and need health insurance. What should I get?

""When getting a quote from a car insurance place, do they automatically add you to there car insurance?""

I did an online quote for a car insurance place, and they asked for my name, number, e-mail, address, if I am currently insured, etc. they gave me a total of how much I would have to pay, does that mean I am added to there car insurance? or not?""

I'm 27 and I want to get life insurance, what kind is best?

I don't really understand what 10;15;20 year term life insurance means, or whole life insurance and what company is best but I think I want to get it while I'm young and ...show more

https://www.linkedin.com/pulse/how-much-would-my-motorcycle-insurance-cost-eulah-rosenda"

[rambopanda88-blog]

BRAINCHILD

If you couldn’t give any money to your children, but you could give them a strategy for financial success, what would it be? My strategy would involve two simple steps.

1. Figure out where your money is going, and work out ways to reduce or remove expenses.

When I was a couple years into saving for a house. I sat down one day, bought up my bank statement online and just went through it. I looked at what I was spending my money on, and how much a fortnight I was using. I thought I had been so diligent, saving so well with my automatic payments coming straight from my pay into a separate savings account. I was on top of it, I was all over it, but what I noticed made me realise, no matter how on to it you think you are, you will miss things.

I had signed up to Netflix maybe a year prior, and never really used it. I had completely stopped using it at least a couple months prior. But I was still paying the monthly subscription fees. I had completely forgotten about it. Made me realise that if I (boarder line obsessed with my finances) can miss something like that, how many other people are missing similar expenses that they aren’t even using anymore.

After that happened, I made a point of every month, going through my bank statement and looking, just looking, where my money was going. I actually noticed another subscription come out a couple months later. I thought I’d cancelled it, I’m still rather sure I had cancelled it… It was a three monthly subscription fee that would have been easy to miss due to the infrequent payments. I removed that expense aswell which only took a couple of minutes. This one was my Xbox subscription. I wasn’t using it anymore because I’d made the change to PlayStation.

Together, between the Netflix and Xbox subscriptions, I was effectively giving away, flushing down the toilet, burning, or whatever analogy you want to use, about $240 a year. I don’t care who you are, wasting $240 is not a great feeling no matter how you try to justify it.

Once you have some idea of where your money is going, systematically come up with solutions to get rid of, or reduce them. One at a time.

My most recent expense removal involved my transport costs. I previously owned a car. I decided to sell it and bought a motorbike instead. I had worked out the fuel efficiency was much better using a motorcycle and therefore would reduce my transport costs. It has certainly been less comfortable, but has saved me a lot of money over the last couple of years.

Things have changed recently though, and with the continued increase in motorcyclist deaths, and therefore increase in government spending, the price of motorcycle registration has skyrocketed. The increase is mostly ACC levis and has made it no longer financially viable for a diligent saver like myself. Infact, the cost of using a car vs motorcycle is basically the same now, and in some cases, especially with new model vehicles, cars are actually cheaper.

One morning my boss was late to work. He sent the team an email saying his train had broken down. I didn’t realise he caught the train, why does he catch the train, he has a really flash V8 commodore?! When he got into work, I asked him about it. He told me that we can use public transport for free if we show our work ID. He said that because his car is a V8 he likes catching the train during peak hours when he will be sitting stationary in traffic for long periods of time. I had no idea. Why didn’t someone tell me about public transport being free for our company sooner!

I had never really used public transport before, I caught the bus occasionally in high school, and hadn’t been on a train much except while traveling overseas. But the idea of reducing my transport costs significantly made me decide that I was going to make the change. I did a trial week, where I tried not to use my motorbike at all. It took abit of figuring out to begin with, organising the schedules for the different train hops and staying at my brothers on the days the trains or buses don’t operate during my start or finished times because I do shift work. But it worked and it wasn’t overly stressful or difficult and is saving me a significant amount of money.

I was spending about $30 a week on petrol, and about $420 on annual motorcycle registration. Plus conservatively about $150 on a warrant of fitness and any maintenance per year. That works out to be $2130 a year. Once again not a fleeting amount. Just because you have reduced your expenses in one area, it doesn’t mean there aren’t better solutions, so remember to keep revisiting those areas and looking for better ways to improve on the changes you have already implemented.

Through the identification and elimination of unneeded expenses, true saving can begin and continue.

As another, not recommended example, I noticed another expense that was worth looking into for a possible reduction. This expense involved my health insurance plan. I don’t recommend anyone downgrade their health insurance, it could be a tragic mistake. There were a few reasons I decided to go ahead with it though. The first is that I am still young and have been fortunate enough to have never suffered from any illness or long term injury, I am a vegan, and am physically active. Statistically speaking, I am at very low risk of needing to use my health insurance, especially to the level I was insured at. I didn’t get rid of my health cover completely though, I just downgraded it, and I am still covered by ACC for any accidents or injuries. I changed from the comprehensive cover to the surgical plan with a voluntary $500 excess. Basically I have insured myself against the sorts of things that are going to cost five figures or more to treat, rather than getting subsidised doctors visits which I will never use, at least not until I am over 50 in any real frequent amount. And realistically I’ll probably be closer to 65-70 if I manage to remain vegan. Statically speaking vegans age healthily.

This small change is saving me $520 a year. I even stopped going to the hairdresser, and am using clippers on myself now instead. Which is saving me $20-$25 about every month. A total of about $240 a year. Add up the reduction of the few expenses I have covered, and that’s a total of over $3000 per year.

Analyse your expenses, and use problem solving to figure out better ways. Sometimes you have to use your imagination, or advice from others. Often when you have figured it out, it becomes so obvious in your own head, you wonder why you hadn’t thought of it before. It can be frustrating spotting these expenses sometimes and then looking back at how much money you have lost over time.

2. Set up automatic savings. Start off small, adapt and slowly increase the amount.

When I first started saving money for a house, every payday I enjoyed moving my money around and seeing how much I had left-over to put into my savings account. Sometimes it was impressive and a decent amount of money. Other times, especially if I had spent abit of money over the previous two weeks, it wasn’t quite as much. But it was enjoyable nonetheless and gave me motivation to spend less during the weeks leading up to the next payday.

I felt like I had a good system going, I was saving money, and a good amount too. That’s got to be a better system than most. But I was wrong, there was a better way which I learnt about 2 years in. I learnt about a concept called “pay yourself first” taught by a guy named David Bach, author of the successful book “the automatic millionaire”. He tells people to do the opposite to what I had been doing. Rather than paying your rent or your bills or whatever else first, pay into your savings first, and make it automatic. That way you will make do with what you have left.

The first automatic payment each fortnight I set up, which was coming straight out of my pay was $500. I started small because I wasn’t sure if the idea was going to work, and was worried I would go into overdraft or something similar when my phone fees were withdrawn or other bills. If I had money left over after paying for all those things, I still transferred it into my savings. But I noticed something beginning to happen over the next few months; I made do with what I had. Having $500 less in my bank account started to feel normal, and I got use to it. After a few months I increased the amount to $800 a fortnight. The first couple of pays felt a little uncomfortable, but eventually I got use to that amount too and it felt normal. I didn’t miss the $800 and even wondered why I needed it in the first place.

My automatic savings are now at $1000 a fortnight, and I feel like I have plenty of money for my expenses, food, and extra spending money. This single change in the way I was saving made all the difference. I adapted to the new amount of expendable income, and after not long it even became normal. Simple, but hugely effective.

I try to tell people that you don’t need to save huge amounts. You can literally start with $5 automatically coming out of your pay each fortnight. Get use to the concept, and having $5 less, and when you feel ready and comfortable increase it to $10. Hopefully a few years down the track you can increase it gradually to maybe $100 a fortnight. You will be amazed at the feeling of wondering how you even needed that money in the first place.

1. Figure out where your money is going, and work out strategies to reduce or remove expenses and,

2. Set up automatic savings. Start off small, adapt and slowly increase the amount.

That is the strategy I would pass on to my kids, and believe it would be even more valuable than if I could give them money. The saying “give a man a fish and feed him for a day, but teach him to fish and feed him for a lifetime” comes to mind.