#most the time they wont even ship outside of the u.s. and when they do then shipping is crazy expensive 😔😔

[layalu]

why must 95% of artists who have Stuff I Want To Buy be in the U.S. (<- i can't buy shit) ToT

[skrisiloff]

Here’s what CEOs said on this week’s earnings calls

Each week we read dozens of transcripts from earnings calls and presentations as part of our investment process. Below is a weekly post which contains some of the most important quotes about the economy and industry trends from those transcripts. Click here to receive these posts weekly via email.

The Dow broke through 20,000 and optimism is the mood of the moment. Last week US Bank said that optimism hasn’t translated to action quite yet. But comments this week from Cullen Frost Bank suggest that it’s only a matter of time. Companies are eager to invest in growth and are moving forward with plans that they had delayed. There doesn’t seem to be much standing in their way at the moment. The new president loves that the Dow is at a new record and although he talked about bubbles on the campaign trail now he wants it to keep going “up, up, up.” Presidents often get their way.

The Macro Outlook:

The industrial economy is seeing a broad based improvement

“it was broad-based growth in Industrial, both in terms of the businesses and in terms of the geographical area…And if you look upon PMI, the United States had a PMI of 54.7% in the quarter, China 51.4%, and Germany 55.6%. If you think about that in terms of big economies that will help us as we move forward, and as I said, it was broad-based.” —3M CEO Inge Thulin (Conglomerate)

Customers are moving forward with plans they had delayed

“As I have gone around the state, visiting all our locations during the month of December, one thing it was a consistent message was how many customers particular I would say mid and small customers are moving forward with plans that they had, had delayed, right? Somebody had a piece of equipment they want to put in and they can wait for six months, after they got the clarity from the political situation, the word was let’s move forward, let’s move forward now. So I think you are definitely seeing just general optimism in the market moving forward…I think we are seeing momentum increase. I would expect loan growth to be better than 2016 for sure.” —Cullen Frost CEO Phillip Green (Bank)

The housing market is solid

“The market therefore is a very solid market…we continue to see good sales trends in January, very early into spring.” —DR Horton CEO David Auld (Homebuilder)

The Hawaiian economy remains “pretty darn strong”

“the economy remains pretty darn strong. There really aren’t any factors at this point pointing to a softening or a downturn in the local economy. So I think that’s, if you will, the tailwind that we are looking at from a loan perspective and a deposits perspective” —Bank of Hawaii CEO Peter Ho (Bank)

Even energy producers are excited again

“Customers are excited again, and our conversations have changed from being only about cost control to how we can meet their incremental demand.” —Halliburton CEO Dave Lesar (Oil Service)

Texas’ economy never faltered

“Despite lingering low oil prices in the first half of 2016, the Texas economy grew faster than the national average and all other energy states. The service sector and the I-35 corridor remain strong throughout the downturn. According to the Texas Workforce Commission, Texas added 210,000 jobs last year. The unemployment rate in December was 4.6%.” —Cullen Frost CFO Jerry Salinas (Bank)

Corporations can’t wait for lower taxes

“Obviously our new administration is pro-business, but there’s a lot of moving parts in that…I think we’re all waiting to see if there’s a tax reform package that would allow us the ability to access overseas cash and repatriate cash…I think that would make a big difference for a lot of multinationals” —Abbott Labs CEO Miles White (Healthcare)

“I think all of us recognized we’ve got a new administration in Washington which has an agenda to be friendly to business and I think, we’re anxious to see how all of that will play out certainly tax reform is the biggest single item that we’re focused on this year.” —United Technologies CEO Greg Hayes (Conglomerate)

“I think what GE wants and what we think is most important to competitiveness for U.S. companies is essentially a competitive tax rate, something that looks more like the OECD averages, which is just roughly 21%, 22%.” —GE CEO Jeff Immelt (Conglomerate)

“we also are advocating for the modernization of the US tax codes. As both sides in the aisle in the Washington have noted, the US tax code for business is outdated and in many cases makes the US a more costly place to do business leaving US workers and the US economy at a disadvantage. We are very encouraged by the proposals currently in discussion and we will support business tax policy that is competitive with most developed countries and encourages innovation and growth.” —Johnson and Johnson CEO Alex Gorsky (Healthcare)

But in theory, lower corporate tax rates increase WACC

“if the risk free rate goes up, cost of equity goes up. If the tax rate goes down then our after-tax cost of borrowing theoretically goes up…if you just started with those two simple assumptions, you would look at that and say, gee, if the risk free rate goes up and if the tax rate goes down, you would speculate that our overall cost of capital would go up.” —Travelers CEO Alan Schnitzer (Insurance)

Still, Trump couldn’t be more pleased

“The Dow on top of it just hit 20,000. First time in history. I’m very proud of it. And now we have to go up up up. We don’t want it to just stay there. That’s gonna be the challenge, but its gone up a lot since I won. Don’t forget when I won people thought maybe it will go down, but the business world doesn’t think that. The business world knows me, they don’t think that. And it was a steady climb and now we just hit a record and a number that’s never been hit before, so I was very honored.” —President Donald Trump (Government)

International:

US optimism hasn’t translated to international optimism yet

“I think outside the U.S., I really haven’t seen much change in interplay, post the election in terms of what our customers are saying and how to think” —General Electric CEO Jeff Immelt (Conglomerate)

Many companies remain positive on China though

“China continues to be a very attractive opportunity. This is a market that is among the highest growth rates across the world on a sustained basis and that really hasn’t changed.” —Procter and Gamble CFO Jon Moeller (Packaged Goods)

“performance was driven by strong results in China…Notably, China had a strong quarter with comparable sales of 7.9%” —McDonald’s CEO Steve Easterbrook (Fast Food)

“Looking ahead in the China market, we expect another year of significant volume growth. Category demand should remain strong” —Kimberly Clark CEO Thomas Falk (Packaged Goods)

China is posturing for free trade

“In a world with a plethora of uncertainties, China offers an anchor of stability and growth with its consistent message of support for reform, openness, and free trade. The times may be difficult. But that’s all the more reason not to lose sight of these principles, which have stood China—and the world—in good stead.” —Chinese Premier Li Keqiang (Government)

Financials:

The credit window wont stay open forever

“I think this window is still open but…you know this thing won’t stay open forever…You know after a number of years post the great recession where the growth of revolving debt was near zero or even negative, it has crept up in the last couple of years and now it is running at a 7% year-over-year rate and obviously that’s a faster growth rate than the economy is doing. And if you look at this growth it is broad-based although subprime growth has picked up and is now growing faster than prime…So our primary point has been – look in the end this is physics. The year after year just amazingly low losses…this has to be the bottom, things are going up from here.” —Capital One CEO Richard Fairbank (Bank)

Rate-increase expectations are low

“we are projecting just one rate increase and we are projecting that in November of this year.” —Cullen Frost CEO Phillip Green (Bank)

Technology:

AI requires unique data sets

“Yes, we have world-class cognitive technology, but that’s table stakes. We are building datasets by industry that we either own, or we partner for. Importantly, we’ve designed Watson on the IBM Cloud to allow our clients to retain control of their data and their insights, rather than using client data to educate a central knowledge graph.” —IBM CFO Martin Schroeter (Enterprise Tech)

The next frontier for automation is the back office

“if you think about a customer transaction, if we could take the customer’s order, get the price exactly right, the quantity shipped on the date they wanted it with the correct terms. So it flies right through our system and their system without any additional [human] intervention that’s a big opportunity and it takes friction out of everyone’s transaction costs. But we still got a long way to go to get to that.” —Kimberly Clark CEO Thomas Falk (Packaged Goods)

Healthcare:

ACA didn’t drive significant volumes so it may not be missed

“We did not see any significant impact uptick in business as a result of the implementation of the Affordable Care Act…So therefore, any change going in the opposite direction, we don’t think will be negative.” —Johnson and Johnson CEO Alex Gorsky (Healthcare)

Industrials:

Auto production is likely to decline in 2017

“As we look at 2017, most industry sources are predicting a minor decline in North American automotive production rates of about 1% to 3% compared to 2016, but this comes after the all-time record year of 2016. So even if such decline would indeed materialize, we would still anticipate another solid year in the automotive market.” —AK Steel CEO Roger Newport (Steel)

Defense budgets could increase

“there appears to be bipartisan support for eliminating sequestration. As I’ve said in the past, we have a lot of independent dialogues with various members of Congress, every one I’ve ever spoken to [Technical Difficulty] they don’t think it’s good policy and they want to get rid of it…there’s also a strong discussion around increasing defense spending” —Lockheed Martin CEO Marillyn Hewson (Defense)

Energy:

Oil service companies are looking for a V shaped recovery

“As we projected earlier this year, our third quarter results established the bottom of the expected V-shaped recovery that we believe will continue into 2017. We believe that the global crude oil market is currently undersupplied.” —Core Labs CFO Dick Bergmark (Oil Service)

US oil companies got a jump start from outside capital

“growth in E&P investments will be led by the North America land operators who appear to remain unconstrained by years of negative free cash flow as external funding seems more readily available and the pursuit of shorter-term equity value takes precedence over a full cycle return” —Schlumberger CEO Paal Kibsgaard (Oil Service)

International may take longer to recover

“Most people agree that the U.S. is now the world’s swing producer and it has demonstrated its ability to ramp up production quickly at a price that may make it difficult for deepwater projects to compete…Therefore, we do not expect to see an inflection in the international markets until the latter part of 2017.” —Halliburton CEO Dave Lesar (Oil Service)

We may actually be looking at a supply shortage

“I think the key here is that we look at 2017 as a starting point of a new multiyear cycle, where the main challenge is actually going to be reverse the effect of several years of Global E&P underinvestment and then try to mitigate the pending supply shortage that we see unfolding.” —Schlumberger CEO Paal Kibsgaard (Oil Service)

Only 4 billion barrels of new oil were discovered last year but 55 billion were consumed

“operators discovered less than 4 billion barrels of new oil in 2016, while the globe consumed over 55 billion barrels. Therefore Core believes crude markets more than rationalized in late 2016 and price stability followed by price increases, some occurring as we speak, are returning to the energy complex. Remember, the immutable laws of physics and thermodynamics mean that the crude oil production decline curve always wins and it never sleeps.” —Core Labs CEO Dave Lesar (Oil Service)

Materials:

Freeport McMoran is in a dispute with the government of Indonesia

“We have the rights to pursue claims against the government in the form of international arbitration. And our legal team advises us that our case is very strong in doing that. We have consistently represented to the government that we don’t want to do that, I don’t believe that would be advantageous for us, but I also think it would be very negative for the Government of Indonesia.” —Freeport McMoRan CEO Richard Adkerson (Mining)

Miscellaneous Nuggets of Wisdom:

It’s about the journey, not the destination

“You never want to characterize something as an ultimate vision because when you get there, there’s always more that you want to do.” —Netflix CEO Reed Hastings (SVOD)

Uncertainty creates opportunities to talk to clients

“it creates more uncertainty which actually creates an opportunity for us to talk with our clients about options and how they can think about it and attack it going forward particularly based on whatever is the outcome of the changes.” —Brown and Brown CEO Powell Brown (Insurance Broker)

Please don’t text and drive!

“The deterioration [in losses] is primarily driven by an increase in the trend towards more severe accidents. Some of the factors that lead us to this observation are a higher percentage of claims involving distracted driving, more accidents involving higher speeds and more accidents on highways and at intersections. This is also consistent with recent industry data. For example, the National Safety Council report of significantly higher traffic fatalities in 2015 and 2016, a two year trend that we haven’t seen in decades.” —Travelers COO Brian Maclean (Insurance)

Full transcripts can be found at www.seekingalpha.com

[ntrending]

The Samsung Galaxy Note 9 is a great gaming phone that won't make you better at Fortnite

New Post has been published on https://nexcraft.co/the-samsung-galaxy-note-9-is-a-great-gaming-phone-that-wont-make-you-better-at-fortnite/

The Samsung Galaxy Note 9 is a great gaming phone that won't make you better at Fortnite

It’s late on Monday night—a school night—and my kids are looking over my shoulder as I hunch over Samsung’s new flagship smartphone, the Galaxy Note9. I’m playing Fortnite, and despite a weekend-long crash course in the world’s most popular video game, I’m still not very good. “Don’t go to Lazy! Everyone will already be there!” my daughter (Fortnite level 32) says, sounding disappointed as she advises me to avoid a specific part of the map. I stubbornly resist her suggestion.

Two minutes later, my brightly-adorned character is dead, far from victory.

“You died,” my son (Fortnite level 12) says flatly. “The game looks really nice on that screen, though.” He’s right, and that’s largely the point of the new Samsung Note 9. It’s a big phone with cranked specs that debuted along with Fortnite’s arrival on Android. Checking in over $1,000, it’s pricey, and its massive 6.4-inch screen sometimes feels impractical, but that fits the ethos of gaming hardware. It’s intentionally over-the-top.

The phone

If you’re familiar with the Note8, then there aren’t a ton of surprises in its successor. The AMOLED screen moves up to 6.4-inches from 6.3-inches in the Note 8. The Note 9 also uses the newest Snapdragon 845 processor and moves up to a maximum of 512GB of storage, which you can eventually expand up over 1TB with the release of Samsung’s 512GB MicroSD card.

It’s all more than the average person really needs. The storage is enough for tens of thousands of photos and hours of 4K video. The processor can chew through any app you throw at it from the Android ecosystem. Even the new 4,000 mAh battery (up from 3,300 mAh in the Note 8) is way more than enough to last a full day of heavy usage.

But that’s what makes Fortnite such a great companion for the Note 9 in general.

Here’s a quick Fortnite primer in case you’re not totally familiar. The game is a battle royale, in which you take on, or team up with, 99 other people; different games arrange teams differently, so you can play 50 vs. 50 or in smaller squads. In June, the game had over 125 million regular active players across a variety of platforms like the big consoles and iOS, but that was before it was open to Android users. It’s a phenomenon.

It’s also indicative of a relatively new era in smartphone gaming. It’s easy to joke about Candy Crush and other decidedly casual titles, but estimates say that roughly 50 percent of the $138 billion total gaming market will come from mobile revenue. Technically, Fortnite is a “free” game, but it offers literally thousands of dollars in optional add-ons, like outfits, character skins, and those ridiculous dances that dominate every middle school dance.

Playing the game

The first thing you’ll notice about Fortnite on Android is that it’s not on the Google Play store. You have to download the app directly from its maker, Epic Games. Its massive user base will presumably help encourage users to jump through the extra hoops involved with installing a non-Play-Store app (you have to grant several levels of access to outside developers and have a separate Epic Games account). It feels like setting up a PC game, complete with installing an application whose main job is installing the Fortnite application.

The download itself is big, checking in around 2GB, which is where that extra storage on the Note 9 comes in. Other popular games like Blizzard’s Hearthstone or Player Unknown’s Battlegrounds Mobile also require gigabytes of storage that would eat up a 32GB phone’s space in a hurry..

One the app starts, the colors blast your eyeballs with all the neon accoutrement of a cereal commercial from the late ‘90s or a walk through Time Square. The Note 9’s OLED display has measured roughly 27 percent brighter and 32 percent more contrasty than the Note 8. Set the screen to max while sitting in a dark room and it can get bright enough to hurt your eyes a little.

One notable difference, however, between dedicated gaming phones like the Razer Phone or the not-available-in-the-U.S. ROG phone, is that this Samsung device has a typical 60 Hz refresh rate. Other phones have cranked that stat to 90 Hz or 120 Hz to make motion appear smoother on the screen, but motion on the Note 9 feels like a typical smartphone. There are so few high refresh rate phones around that this isn’t a knock against the Note 9, but maybe an indicator of what we’ll see from future Galaxy devices if the focus on gaming remains.

The other notable point about the screen is its lack of a notch at the top that would cut into the display. Even the new version of the Android OS makes room for a notch, but the Note 9 keeps a more traditional shape. The edges of the screen do wrap around to the sides of the phone as part of Samsung’s Infinity Display, but that’s not as distracting as I expected it to be. It did, however, require me to slightly change my finger position while I hold the phone so I didn’t accidentally click on the game menu during Fortnite sessions.

Battery

The 4,000 mAh battery lasts a long time, even when it’s doing the intense computing required for high-end gaming. The more interesting element, however, is the water carbon cooling system that uses liquid to keep the phone chill during heavy operations. An AI-powered system keeps tabs on the temperatures and helps cool the processor as needed.

Playing intense games will make your phone hot, which hurts performance and kills battery life. After the Note 7 debacle in which phones literally caught fire, Samsung maximized cooling with a system that’s worthy of a larger device. The phone will get warm if you play long sessions of Fortnite, but it never got hot, like my iPhone sometimes does.

Other gaming bonuses The Note 9 uses Samsung’s gaming mode features in Android to help cure common annoyances that come up with you’re concentrating on a game. You can get to the phone’s menu by swiping from the side of the screen, and you can lock it during a game. Game mode also silences your notifications and prevents other apps from interrupting you while you’re trying to build a fort and some person is trying to snipe you and steal your legendary items.

And if you’re a die-hard Fortnite person, you can get an exclusive skin for playing on the Note 9 on its release day, and Epic will gift you up to 15,000 V bucks (the in-game currency) for pre-ordering. To me, those bonuses mimic one of the worst parts of the current video game landscape in which platform exclusives, pre-orders, and micro transactions stand between gamers and the full experience of a title. But, the fact that they’re so present here is an indicator of just how tied into the complete gaming landscape this title and the hardware really are.

Once Android 9 Pie ships to the Note 9, the improved Bluetooth compatibility will also help if you want to attach accessories, like a keyboard and mouse, to the Note 9 and really take the experience above and beyond.

Should you buy it and play Fortnite on it?

If you’re seriously into mobile gaming, then the Note 9 has a lot going for it. It doesn’t have the fancy, fast-refreshing screen of the Razer phone, but you do get all the other Galaxy features, including the excellent S Pen stylus (which has also gotten some key improvements, but they have nothing to do with Fortnite, so we won’t go into those here).

The bottom line when it comes to considering this phone is how much you really crave overkill. While Apple charges you $1,000 for an iPhone X that’s more sophisticated and refined than its typical iPhone offerings, Samsung is about brute force power and features.

When I asked my kids what they thought about Fortnite on the Note 9, they were genuinely impressed. “This is better than on my Phone [an iPhone 7],” my daughter told me without looking up from the OLED screen. “It’s brighter. Look at my green mohawk. That’s what I always want it to look like.”

Written By Stan Horaczek

[furiousharmonykryptonite-blog1]

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You can't drive without insurance, but your insurance rate depends in part on what kind of car you drive. So which do you get first?""

""My car was broken into and things were stolen. If i file a claim with insurance, will my rates go up?""

I live in Hawaii, I went for a hike with 8 people that all went with my truck. When we all came back from the hike, my truck was broken into. Things were stolen such as ipods, cellphones, drivers license, etc. I filed a police report. If I file a claim with home ownership insurance or car insurance, will my rates go up monthly? I've been told different things like, If the car was not moving, the rates will not go up or They might . My car and home insurance is with Liberty Mutual, my deductible is 250$. Thank you. I'm calling them tomorrow on Monday since it's not a work day yet, but I'm anxious to see if I'll be able to get my friends belongings that were stolen payed for. That and my broken windshield ><""

Need help buying and insuring a motorcycle.?

I am trying to buy and insure a motorcycle without my parents knowing. I am 21 years old and have moved out of my parents house. I have my own car and my own job, but my car is still insured through my parents' insurance. Is there any way I can start my own insurance plan, without my parents knowing, to get motorcycle insurance? Or would motorcycle insurance have to be tied back to the same insurance that covers my car (through my parents). What kind of monthly rates would that cost me? (I'm a 21 year old male living in Nebraska) Any and all help and advice is greatly appreciated. Thanks!""

How does my 21 year old son get health insurance?

My 21 year old dropped out of college and is trying to get back in part time. Would my employer cover his health? How else can he get himself covered? What types of costs are we looking at?

Auto insurance for 16 year old female? r/o/p?

I'm sixteen, will be added to my mother's insurance plan. I will be the primary driver of a 2006 prius. I have good grades, and also, there are 2 cars between my mother and I. I am also located in CT! Can anyone give me an estimate of my yearly insurance cost?""

How much would it be to insure a 17 year old on a Nissan Navara Pick Up Truck?

'JUST OUT OF INTEREST' I have always wanted a Nissan Navara Pick up truck and i turn 17 in october, its unlikely i will be driving till next year! i was just wondering an insurance estimate on, say, an 08 plate? Im not fussed weather it is 'expensive' i know it wont be cheap and the companies are unlikely to insure me on them but i was just wondering about a price. Its hard for me to go on insurance websites as i do not have a license and know any information. I have herd they are in Group 11 insurance.. Also are they classed as a Van/Car/ Etc? Would just like an average quote please! don't want answers with 'depends on this, this or this'.. Thanks very much!""

Can your car insurance rates go up...?

Can your car insurance rates go up if someone gets tickets in your car and They are not listed as a driver.. .

I had a car accident without insurance and they told me to get insurance my question is wold they help me?

I had a car accident without insurance and they told me to get insurance my question is would they help me with my car if i had the accident anyway and how they gonna help me?

Insurance for 250 Ninja?

I will be buying a new 2011 Kawasaki Ninja 250. I'm 18 yrs old. We will pay the bike in full..... How much will be my insurance on this bike? thanks

Do I need insurance ?

I'm 16 I'm starting my own lawn care Business Do I need Insurance In case I hit something and does my car Insurance cover snow plowing

How much would you estimate a 16 year old driver would pay for insurance on a G35 coupe?

I'm currently 15 and, when I get my first car, would really like an Infiniti G35. I can find them in my set price range (>15000), but my parents are worried about the cost of insurance. My parents are covered .9under USAA currently with two vehicles. I have a 3.9 GPA, play sports, and, if given the opportunity, could use my natural wit and charisma to impress someone into lowering the price (I'm not sure if this is even a possibility, I'm just saying that if it is, I could do it). I wouldn't be getting the car until after my initial 6 months of restricted driving is finished. Once again, I'm not sure if this affects anything, but maybe you'd like to know. I appreciate any input.""

Are the insurance companies having a super party right now?

I mean it is now law that they will have a steady stream of customers. So are they psyched?

Trying to find cheap car insurance?

I am looking for a decent cheap quote for car insurance, I'm 18, male and my car is a 2001 Ford Fiesta Flight 3 Door 1.3L. I'm being quoted around 3000 upwards, this is my first car as ive only just passed my test on friday 6th january 2012. please give me some help, thanks.""

How much is motorcycle insurance?

Soon I'll be looking to get an '08 or '09 CBR 600 rr. I'm 21, own a car, never been ticketed or anything else in my car. Wondering if that affects my rates at all, or if 21 with a sportbike = brain splatter just registers on their screen.""

College student needing car insurance?

I live in MA i am in the process of leasing a hyundai elantra. but i need insurance. I cant use my parents policies because i bought the car myself. Does anyone know of any cheap car insurance companies?

What is the best insurance for a new driver?

Im 18 and just got my license in october 2013. I bought a 1992 honda civic and I dont know what insurance is best for me. What do you guys suggest? I live in orange county, if that helps haha thanks!""

Which is the best medical insurance ?

Can any one suggest a good medical insurance company and plan

No income how do I get health insurance?

I've been reading and looking up info but I can't find exactly what to do. I have no job no saving no money at all I live in Las Vegas Nv I've tried looking for a job for the past 3 years now and I haven't found anything I live with my sister I'm not handicap nor have children or go to school so how and where do I get health insurance?

Is there a big differents in the price of car insurance?

hi is there a big differents in the price of car insurance between a mini copper and a mini one for a first car for a 17 year old

Are there any car insurance companies that only look back 2 years instead of 3?

Are there any car insurance companies that only look back 2 years instead of 3?

""Car accident, insurance wont pay up, need help?""

i was coming home from work and i hit someone else's parked car when i skidded on ice. i have since found out that i was not supposed to drive to and from work under a technicality of not using the car for work. however i don't use it for work and only use it for the 3 minute commute, as i have a Sunday job. however the insurance company is saying that it will not pay out for both my car and the car i hit. its a 6 grand motor and god knows what the other guys car will cost to fix. basically im asking if they are within their right to not pay out and would i have to pay for the other guys car? i understand i should phone the insurance company but they're closed for Christmas""

Cheapest moped insurance? UK!!?

I've just purchased a moped and would like to know what you people thought was the cheapest insurance provider for me to go with. thanks

Best young driver insurance company ?? (Ireland)?

so just got my full licence and was wondering which company would be the best and cheapest for me? 10 points :)

Car insurance canceled my policy. i got in an accident and then paid the money. they accepted the money and?

then refused to cover the accident. i was told since they accepted the money and didn't make me open a new policy with a new down payment. and didn't give me my money back then they should have to cover the accident. does anyone know anything about this?

I'm looking into insurance sales as a career change. Which company would you recommend?

I have a strong background in sales, a college degree or 3, and a strong drive to succeed. However, with so many companies out there looking for agents, I'm having a hard time narrowing it down.""

How much for insurance on a Scion Tc? Does it get good MPG?

I am looking into getting a Scion Tc, I went to the dealer to look at the car and the sales man said that insurance will be a lot for a new scion. But he didn't know how much. I am 18, female, I will have my license for almost 2 years(by the time I get a new car), I have no tickets and have never been pulled over by a cop. And I live in California (if that makes a difference) Instead of getting a brand new Scion I am looking into a used one. A 2006 or 2007. I have Wawanesa car insurance. So does anyone know how much it would be a month? Oh, and from someone who has a Scion Tc, does it get good gas millage? It will be a deal breaker for me if it doesn't.""

How much do you pay for your car insurance?

I'm just trying to pick a car insurance thats affordable. How much do you pay monthly? Also I'm 22, no driving tickets, my car is a 2005, Hyundai Accent. OR AT LEAST WHAT IS AN IDEAL PAYMENT MONTHLY FOR CAR INSURANCE?""

Does doing car insurance quotes affect your credit score ?

Does doing car insurance quotes affect your credit score ?

Insurance help!!!!???

hi i'm an 18 yo living by myself in seattle, wa, just wondering how much insurance do i have to pay, because i'm interested in a 1986 lincoln town car., i live in downtown, and i know prices are higher if you are in the city, i only want to have a car to drive it on weekends an whenever buses are not available. so if you can give me an idea gow much is it, i'll be greatful with your help. thanks bye xoxo""

Can I own a car with no insurance?

I'm sixteen and looking to buy a car. I'll have a license in about 4 months, but I want to buy a car first - that way I'm good to go. Is it legal to let my car sit in my garage or driveway for a few months without insurance or plates? I know plenty of people who have had cars before they've had licenses, but I want to make sure I'm not breaking any laws. I live in Connecticut. Thanks!""

I am 6wks pregnant. Insurance companies wont accept me now. What do I do?

I am afraid to call other places and tell them I am pregnant b/c i know they wont accept me. I need to find a place that will cover me and my baby. I don't know where to start to look. Help please to point me in the right direction.

Will obstruction of plate show up on car insurance?

I got a ticket for obstruction of plate this morning and I was wondering whether this will show up as a record on the insurance. I would rather pay it off myself because I don't want my parents to find out. Also, will it increase the rates? I read somewhere that no proof of insurance can increase rates, but I got a ticket for that awhile ago, it didn't affect anything.""

When does my insurance expire?

I have a Family HealthPlus insurance that I just renewed thus is valid until next year, I also just got a new job, and my employment insurance is in effect as of July 1. What happens next? is my HealthPlus automatically cancelled or can I use both of my insurances simultaneously? The reason why I am asking is that, I have a referral to extract my wisdom tooth from my old insurance, and would like to use it to do just that. My employer does not allow me to take sick/personal days off in the first 90 days of my employment, so I can't really do that between now and July 1, to schedule an extraction. Thanks a bunch!""

Do you believe everyone has a right to medical insurance?

What are the pros and cons of giving everyone access to medical care?

Why did so many Liberals run away from the ACA as soon as they found out that they'd have to pay for their own Affordable Health Insurance ?

Why are so many Liberals running away from the ACA they declared that they needed so desperately as soon as they found out that they'd have to pay for their own Affordable Health Insurance ? I don't get it ?......Liberals asked for Affordable Health Insurance not Free Health Insurance so why are they running way from Affordable Health Insurance now like it is the plague and even opting to pay a fine rather than buy Affordable Health Insurance for themselves /

Where can i buy insurance?

I'm have a low income and I'm looking for a right insurance coverage. I work as a part time job so my employer won't buy an insurance for me. Please if anyone knows any type of insurance that I can afford that would be much appreciated. Thank you

Dental insurance?

Hi, i'm looking for a good dental insurance and a good dentist in philadelphia.""

What is the best car insurance around?

I am planning to enroll my new car. I want a complete coverage but at a reasonable cost. I don't wanna be spending too much just for my car insurance. Help please...Thanks a lot.

Reason for sudden increase in price on car insurance?

When I bought my car I started paying 1,400 a year on insurance, and the other day I got a letter through the post from my insurance company saying that I need to renew my car insurance since it was close expiring. They said that if I want to continue with the same company I need to now pay 2,000 a year for the same car. I can't seem to understand why there's such a vast increase from my last quote. I haven't had to make a claim and I can't think of anything that may have happened that could result in the price increase. Do insurance companies do this or could there have been something I may have done which has put the price up? Thanks in advance.""

Mexican car insurance?

If I drive into Mexico, do I need to get insurance for my car from a Mexican insurance company or is the American insurance valid there as well?""

What auto insurance offices offer reduced cost auto insurance program in the San Fernando Valley?

Details below if you do not know which one I am referring to? I'm not talking about the cliche low cost auto insurance that is available to everyone. etc...I'm talking about a specific plan offered by the state of California available at some insurance offices for low income individuals. I found one office with it, it isn't close enough, does anyone know of any more offices ? The California Low Cost Automobile Insurance Program (LCA): The California Low Cost Automobile Insurance Pilot Program, created in 1999, established a low-cost automobile insurance policy for residents of Los Angeles County and the City and County of San Francisco. California Law requires that all drivers be insured. However, too many low-income drivers remain uninsured because the costs of standard auto insurance premiums are beyond their financial reach. The programs purpose is to provide low-cost automobile liability insurance to good drivers who demonstrate financial need.""

Young driver insurance in the UK?

I was quoted 1200 the beginning of this month for car insurance (its due feb, but I regularly look at quotes). I then looked the 23rd and was quoted over 2000 for identical insurance (just by refreshing the quote). It has then increased drastically every day by around 1000 so its now looking at over 5000 a year to insure a 2007 FORD KA!!! I'm 17 and have 6 months no claims, plus the time I had no claims as a learner too (another 4 months). I understand that the equal insurance for men & women effects this and due to my age insurance is high, but two of my male friends insurance is shooting up too. I'm in a pretty good area, don't drive that much (3000 miles a year) and have both parents with 25+ years driving on my policy. How can my insurance possibly be increasing be so much? What can I do to bring it down, other then selling a car I need? I need a car to get from school to work in time (or I won't have a job), and I don't earn nearly enough to afford car insurance with the quotes I'm getting right now. Its a complete rip-off.""

Health Insurance ????????????

I'm going to live in china for a year and would like to have insurance. I'm just living over there and wont have a job so i wont have health insurance. When i quit my job to move to china I wont have insurance so i need to get some for a whole year. Can someone point me in the right direction to get health insurance. Does anybody know what a basic health insurance plan for a year would cost. Any help would be appreciated. thanks

How much could I pay for my car insurance?

I'm making a finance for my Kia spectra 2007. I'm 18 and just got my liscence. It has to be full coverage. One insurance company told me 600 per month and that's just too much what do you think?

How can i insure my car for 1?

just read somewhere on this site that you can insure a car for 1 surely this is a load of uncle tom cobbler? would be very impressed if someone can answer this question... seeing as my car is only worth 500 why should i be expected to pay almost that in insurance? it would get written off any way should i ever claim. cos being an olde banger insurance cost for parts and availability not as easy and quick to get.

Where can i get cheap car insurance?

ive not yet actually got a car, but i acted like i have on these insurance compare sites, and no matter what car i (pretend) to have its coming up as over 1000 a year, im 27 female and have just passed my driving test, i have a secure drive, do you know any insurance that would give me low payments per month, for a small car dating any thing from the 90s to now, thanks, or who are you with and how much is your insurance each month and what car do you have thanks again""

""Turning 17 in a few years time - group 20 car insurance, how much would that cost??""

as above, please answer, i know im being a tad bit ambitious lol (1995 aston martin db7 fh 2dr coupe) WOOP WOOP!""

Approximately how much would car insurance cost for a teenager in NJ?

Approximately how much would car insurance cost for a teenager in NJ?

Auto Insurance Quote?

I am 16 years old living in California and I am newly licensed. I have a 4.167 GPA, am a female, and I drive a paid off car. What is a reasonable insurance quote?""

Car insurance canceled my policy. i got in an accident and then paid the money. they accepted the money and?

then refused to cover the accident. i was told since they accepted the money and didn't make me open a new policy with a new down payment. and didn't give me my money back then they should have to cover the accident. does anyone know anything about this?

""If my mom adds me onto her car insurance, about how much would it go up?""

I'm 17 Shes with GEICO Its a Buick Rendezvous SUV (2004) Our zip is 33312 (South florida, if this helps for those answering that may be in my area) I have a clean record B Average in school""

Car Insurance?

I am just trying to get some quotes on maybe what my car insurance would be. I don't have the kind of car that I want yet but I was just trying to get an estimate and check and see what it would be around.. Can I get any quotes without the Vin Number?

What are the minimum legal requirements for auto insurance in california ?

What are the minimum legal requirements for auto insurance in california ?

Car Insurance help???

I have just passed my test and am 17 I am hoping to get a car and i was just wondering what are the best cars for cheap insurance, well as cheap as it can get""

Cheap car insurance?

Cheap car insurance?

The supposed 40million that don't have Health insurance..how many?

How many don't have it because they don't care to have it? How many don't have it because they can not find an affordable insurance plan? How many in this 40million number are not legal citizens? How and who came up with this number?

How much does car insurance cost?

if you can't give me an exact amount or something that's fine, just give me some kind of ball park.""

""3-car accident, what will insurance do?""

I was in a 3 car accident, I was the middle car. It's stop and go traffic at a red light, the line is backed up a good way, and the person in front of me stops. I stop behind them, but the man behind me doesn't stop. He hits me and pushes my car into her car. His car seems to be flawless, the vehicle he knocked me into also seems unharmed, maybe a scratch on the bumper (it was like a jeep or explorer, so my car went up under hers a little) and the front of my car is a little messed up. The police will file an accident report, but while I wait, what can I expect? I'm expecting his insurance to cover the repairs to my car, because this was in no way my responsibility, he hit me into her, I was more or less a ragdoll vehicle. Yes, I hit her, but it's not because I'm a bad driver, I cannot control being hit into another vehicle during a line at a red light. And though it was never mentioned (I was a little shaken, my mind wasn't clear), I am almost certain he was on his phone because he was looking down and doing something when I looked back after he hit me. It's too late to mention that, but yeah. Got the registration and insurance for it 3 hours before I wrecked. Had the car a week.""

Does anyone know in detail what no fault car insurance is?

I am having a problem understanding no fault car insurance. Can somebody explain how it works?

I just moved out of my parents house. i need car insurance?

i need a good company to get car insurance from. Any Suggestions??

Car insurance question (just turned 16)?

So I just turned 16, and am about to purchase a car after saving up for the past year or so. I just have 2 questions. 1- Im planning to get a 1991 Nissan 300zx, there's a 2 seater-2door and a 4 seater- 2 door version of this car. Planning to get the 4 seater, and from what I've heard, insurance will be a tad bit cheaper with the 4 seater, is this true ? And for the more important question - Im underage obviously, so I have to go under my parents for insurance. Thing is, my dad has a HORRIBLE driving record, 1 accident that was his fault and a heaping amount of tickets. And my parents' insurance has gone up from that.. But is his driving record going to affect my insurance? Like will I have to pay more than expected due to his bad record ? Sorry for such the long question..""

Certificate of insurance?

Can anyone tell me the following? any help will be appreciated (its based on a dog kennel) 1. What is the purpose of a certificate of insurance 2. How can it be used Thanks

What is the average price (without insurance) for a root canal?

What is the average price (without insurance) for a root canal?

'ensure' vs. 'insure' - meaning and correct usage?

Is there any difference between these words?

How to get Cheap Car Insurance at 17?

Hello, I have tried everything to get chear car insurance at 17 but it seems to stay in the 2500+ Area.... How can I get it cheaper? I have had my license for a month but feel frustrated that I can't get a car because the insurance is too high!! Can anyone help?""

""Car insurance, Help!?""

I crashed my car into another car, both card sustained minimal damage, I just payed for my car to be fixed without consulting my insurance, is this illegal? And furthermore could I settle a money agreement with the guy I crashed into? is this all legal? Also if the guy decided to go through insurance would someone come inspect my car or inspect his... Basically what would the whole procedure be? I haven't contacted him yet""

How much does speeding ticket cost in California?

I got pulled over going 92 on a 55 mph because I went by to pass a slow car in front of me. I switched to the passing lane and sped up to pass. I was just wondering how much the ticket cost me. Does age matter? I am 18, and I'm wondering if that adds up the cost too.""

What are the fines and penalties of driving without a license or insurance in California?

Under 18 with permit only. Also loud music. Was only driven in parking lot when pulled over. Car in another persons name. Are there any fines or penalties for car owner?

How much does US health insurance cost per year?

I am considering moving with my wife and kids to Michigan for a year as part of my degree. I have a number of questions, mainly about health insurance. 1. Will my wife and I still be considered married? If not, will that affect the way we buy insurance/are treated at the hospital? 2. She is very active, with slight asthma and bad PCOS. How much (roughly) would health insurance be for her for one year? 3. I am wheelchair dependent and suffer from epilepsy. How much (really roughly) would my health insurance cost? 4. Do I buy separate health insurance for my children (aged 17 months, 1 month and 1 month)? 5. My eldest child appears to be struggling with leg movement and we are considering the possibility that she may have inherited my condition. Will treatment and tests be covered by the insurance, even though we have an idea of what it might be before buying the insurance? I know these must sound like obvious questions to US citizens, but we are not a particularly rich family, so we need to make sure that there are no big bills hiding around the corner! Thank you""

Need insurance to cover pregnancy?

Does anyone know of insurance companies with coverage in Georgia that will cover a pregnancy without having to wait a year? I make too much money to get Medicaid so I really need some help. I can't exactly afford to pay out of pocket for every expense. Thank you.

How much does car insurance typically cost for a teenager?

My grandpa bought me a car for my 16th birthday. Now, I'm finally going to get license to drive it after it sitting in the garage for nearly 2 years. I was wondering how much the insurance is going to cost me. The car is a 1996 Jeep Grand Cherokee Laredo 4x4 Automatic 4.0 Liter. I don't know what insurance company my grandpa goes through, but I do know that my Jeep is one of 3 cars on the policy. One is an 80s model F-150, and the other is an SUV that is only a few years old. He said that all I'd have to pay is the extra money to add me to the insurance on the jeep. He's currently the only one listed on it. I have exemplary grades.""

What year in California did it become necessary for all drivers to carry auto insurance?

What year in California did it become necessary for all drivers to carry auto insurance?

How long can i drive without a car insurance ?

lets say i bought a new car, can i for instance drive it for a week without having a car insurance ?""

Best car insurance companies?

I am 22 and needing to get car insurance for a 1996 Ford Escort. I only want Liability. Any suggestions?

How much did your car insurance go up after a speeding ticket?

I got a ticket a few months ago, and I got one today. Both were oddly enough 21 mph over the limit. I have not noticed a rate increase yet, and I was wondering what others have gone through.""

Car insurance canceled my policy. i got in an accident and then paid the money. they accepted the money and?

then refused to cover the accident. i was told since they accepted the money and didn't make me open a new policy with a new down payment. and didn't give me my money back then they should have to cover the accident. does anyone know anything about this?

https://www.linkedin.com/pulse/sgic-health-insurance-quote-nicholas-proctor/"