#on top of that i had to spend like 60 dollars on meds just now and i'm Annoyed

[lukemichaelcalumashton]

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[theeyesinthenight]

College Tips for Neurodivergence and Chronic Illness

Hey Everyone!I just wanted to talk for a minute about the stuff that I do to make college slightly easier to get through, and ask around for if anyone else has any advice.

Physically going to class:

1. Physical Calmness: Make a small physical maintenance travel bag that you carry with you EVERYWHERE. Include things like moisturizer, chapstick, cough drops/sucking candy, nail clippers, hair ties, eye drops, pain relief meds, sunglasses- anything that you frequently need to maintain you and your body’s ability to be calm. Sensory overload frequently becomes a thing on campus, and frequently overstimming on campus can make it really hard to want to go to class every day. I carry 6 ponytails, 2 chapstick, 4 advil, 4 sucking candies, 2 tampons, emergency ear plugs and earphones, gloves, moisturizer and sunglasses every day and I swear they make the difference between wanting to run crying out of my classroom and being able to hold on some days.

2. Make Checklists: Especially if you deal with executive function issues (like me!) you can build checklists for every day, repetitive tasks as well as normal to-dos to help you manage everything at once without forgetting anything. Don’t feel obliged to make the list pretty or perfect, just keep adding and refining the lists as you notice stuff you’ve forgotten or usually do. Write lists for literally everything. There is no shame to writing everything down. That being said, if you end up scheduling your days, always leave yourself an hour or two a day and like 10-15 minutes before crucial junctures so you aren’t stressed about running late and can actually unwind sometimes.

3. Eat: Some people will have meal plans, some will cook at home and bring stuff to school, but it’s absolutely fucking critical to chemical homeostasis (especially if you do what I do and wind up in class from like 10 am to 7 pm) to plan when and what you’ll eat- either by scheduling adequate meal breaks to go buy it, or packing it ahead of time. This is when lists can help: I remember to pack my lunch and snacks every morning or prep food for consumption when I get home only because I leave it on sticky notes on my phone when I go to sleep.  Just drinking coffee nearly made me have an anxiety related melt down my freshman year before I realized that the constant feelings of a racing heart were only partially because of anxiety and were also because of the sheer amount of caffeine in my system. Eating healthy is also important, and will make you feel even better than just eating, but now is not the time to put yourself on a starvation diet just to lose 10 lbs. Eating high protein has helped some of my snacky issues as well as generally gives me more energy, and making my own mealprep at home- even my own muffins and cookies- generally are more healthy for my than what I get in the store. Fruit, cheese, lunch meat (or sliced cooked meat) and pickles or olives in endless combination work great for me as mindless snacky food, as does homemade popcorn (either in a skillet or costco bags) because it’s dirt cheap and you can put anything from seasoning salt to furikake and shredded dried pork on it. If you need help figuring out recipes, feel free to pm me! I’m good at working with nutritional and budgetary restraints. Pancakes are kind of a universal good.

4. Give yourself permission to leave: If you’re triggered, or seconds away from panic, GET UP AND LEAVE. College classes are not the same as high school classes, and most teachers are perfectly fine with you getting up to get water, or go to the bathroom, or cry in the bathroom. Try to make sure you go back to class most of the time, but if you’re really that stressed, also give yourself permission to leave. 

5. Find a backup note system: There will be days that you cannot go to class. Accept this. Therefore, it is critical to find a way to make sure you always get the notes. Some colleges offer note taking assistance, some allow you to audio record lectures (check 1 and 2 party consent states first), and some leave you to your own devices, in which case, make a casual buddy to get notes from. You do not need to be besties with this person, Try to make sure you know how many days you actually have to go, and minimize grade damage when you can’t.

6. GET ENOUGH SLEEP. I cannot emphasize this enough; whether or not you’re taking medication, getting enough sleep is critical to pretty much everything that might be going on in your head- hormone issues, depression, autism, whatever. Your brain is going to be stressed out by the new environment and the additional, new problem solving that it has to do; help it make its best decisions. I literally wake up on less than 7 hours of sleep and consider selling my siblings on the black market. Don’t do it. 

7. Be careful about Caffeine; Some people are more or less sensitive to caffeine, or forms of caffeine, don’t develop a coffee addiction just because it’s in vogue. Matcha seems to have the most stabilizing caffeine affect on my brain of all the caffeine options, though tea still works universally better than coffee.  I also make my own “lattes” and cold brew at the beginning of the week and keep them in my fridge; a 2oz jar of matcha powder may cost like 60$ but it will make me about 90 cups of tea and last me two semesters especially if I mix in other kinds of cheaper teas in my morning; it’s certainly cheaper than starbucks- cups of latte come out to 95c and have about a third of the calories (which means I can drink more of them!) Which ties into;

8. Budgetting. You might be stressed out about money or make tons of tables and charts to try to deal with that stress; there are a lot of ways to cope with it, but my favorite method (and I still use a combination of these) for dealing with food and consumable stuff you need regularly like shampoo and soap or socks are: separate that money from everything else that you need to buy, then at the beginning of a semester 

Go to Costco, a particular kind of “exotic” grocery store, or a farmers market. Buy and then freeze meat, vegetables, and fruit (if you use them in baked goods or in yogurt) or get prefrozen meat- make sure you’re checking the price/lb or K for the cheapest, and bags of either rice, flour, boxes of pasta (cheap carbs) and oil- i recommend having canola, it’s utilitarian for frying with a high flash point. If your budget isn’t tiny, this is a great time to also get dried (or canned but I don’t like the texture) beans, and canned meat or sauce if you actually eat it. The key is to get cheap bulk things that will last for a semester or five, and that are always on hand.

Take the rest of your food budget out in cash. Separate it into bundles for “each week”, put them in your wallet, and return the change to the jar when you’re done. It was always easier for me to visualize how much spending money for food that I had when I physically had the cash; it meant I didn’t overspend and it also meant that I started making better “investment” decisions; I’d buy cinnamon sticks one week, or good olive oil the next, instead of dropping a couple hundred dollars on ingredients I might have never used.

Do a similar bulk buy of products you know you use, and then leave the rest of that money- also in cash!- in a separate jar with a stickynote on top. When you have to use money for stuff from it, just stuff the receipt in the jar with the cash and do your accounting When You Have Brainspace.

I deal with other bigger accounting stuff over cards, but I try to limit one card to rent, insurance, school payments, big regular stuff that I autopay and always pay off, and one card to “emergency” stuff that I’m always working on paying off- think emergency dental work, car broke, etc. That one I do gig labor to cover when I can.

Anyone else, feel free to chime in! It’s super useful to have lists of tips and tricks!

[oddcoupler222]

Do you have any book recs like yours and w. epic love scenes like yours?

I appreciate anything I’ve written being called epic in any way :) 

I don’t really know if I could accurately compare any books I’ve read to my own but I do have some book recs that I adore! I’ll give you my top ten lesfics for some variety

- Behind the Green Curtain by Riley LaShea (my ultimate fave romance)

When Caton’s sleazy boss offers her a position as his wife’s personal assistant, she accepts the job with reservations, certain Jack Halston has ulterior motives. After meeting Jack’s wife Amelia, though, it’s Caton’s motivations that begin to unravel. As vicious as she is beautiful, Amelia threatens Caton’s position and her sense of decorum. As the attraction between the two women spirals into a torrid affair, Caton is drawn deeper into Jack and Amelia’s world of privilege and prestige, where everything is at stake and nothing is what it seems. 

- All That Matters by Susan X  Meagher

Life is going damned well for Blair Spencer. She's a very successful real estate agent, happily married to a man who encourages her to live the independent life she loves; and they're actively working to have a baby. The wrench in the works is that Blair favors adoption, while her husband David desperately wants to have a biological child. The fates are against them, and they finally seek the help of a group of reproductive specialists. One of the doctors, a surgeon named Kylie Mackenzie, eventually becomes a good friend to Blair. And she needs all of the friends she can get when things start to go horribly wrong at home. As her marriage teeters on the brink of collapse, she relies more and more on Kylie's friendship. Kylie's happily gay; Blair's happily straight. But the way they structure their relationship leads friends and family to privately question whether the pair is setting themselves up for heartache. They eventually come to a crossroads, which could either destroy their friendship or turn it into what each of them has been seeking. The question is whether each woman can change her view of herself and her needs. The answer is all that matters.

- Alone by EJ Noyes 

Half a million dollars will be Celeste Thorne’s reward for spending four years of her life in total isolation. No faces. No voices. No way to leave.

Since Celeste has never really worried about being alone, the generous paycheck she’ll receive for her participation in the solitary psychological experiment seems like easy money.

When she finds an injured hiker in the woods bordering her living compound, her strictly governed world is thrown into disarray. But even as she struggles with the morality of breaking the rules of the experiment, Celeste can’t deny her growing attraction to the kind and enigmatic Olivia Soldano. Still, how much can you really trust a stranger? And how much can you trust yourself when you know all the faces you’ve seen and voices you’ve heard for the past three years have only been your imagination?

But what’s real? Celeste’s reality may lie somewhere between the absolute truth and a carefully constructed deception. (the concept of this is just INcredible. and the execution as well - perfect)

- The Goodmans by Clare Ashton

The lovely doctor Abby Hart lives in her dream cottage in the quintessential English border town of Ludbury, home to the Goodmans. Maggie Goodman, all fire and passion, is like another mother to her, amiable Richard a rock and 60s-child Celia is the grandmother she never had. But Abby has a secret. Best friend Jude Goodman is the love of her life, and very, very straight. Even if Jude had ever given a woman a second glance, there’d also be the small problem of Maggie – she would definitely not approve. But secrets have a habit of sneaking out, and Abby’s not the only one with something to hide. Life is just about to get very interesting for the Goodmans. Things are not what they used to be, but could they be even better? (there are not one but TWO perfectly written romances intertwined in this *chef kiss*)

- Pretending in Paradise by M Ullrich

When travelwisdom.com assigns PR specialist Caroline Beckett and travel blogger Emma Morgan to cover a hot new couples retreat, they're forced to fake a relationship to secure a reservation. Ten days in paradise would be a dream assignment, if only they'd stop arguing long enough to enjoy it. Reputations are Caroline's business. Too bad she was forced out of her previous job when an ex smeared hers all over the office grapevine. She's never getting involved with a coworker again, especially not one as careless and unprofessional as Emma. Emma knows that life is too short to play by the rules. But when she goes too far and a defamation lawsuit puts her job in jeopardy, she has to make nice with Caroline, the image police, and deliver the best story of her career.

Only pretending to be in love sure feels a whole lot like falling in love. When their story goes public, ambition and privacy collide, and their chance at making a fake relationship real might just be collateral damage. (there’s just SOMETHING about this that is super freaking cute)

- The Brutal Truth by Lee Winter

Australian crime reporter Maddie Grey is out of her depth in New York, miserable, and secretly drawn to her powerful, twice-married, media mogul boss, Elena Bartell, who eats failing newspapers for breakfast. As work takes them to Australia, Maddie is goaded into a brief, seemingly harmless bet with her enigmatic boss—where they have to tell the complete truth to each other. It backfires catastrophically.

A lesbian romance about the lies we tell ourselves.

- The Red Files by Lee Winter (kudos to her for being the only author that makes it to this list with two separate books)

Ambitious Daily Sentinel journalist Lauren King is chafing on LA’s vapid social circuit, reporting on glamorous A-list parties while sparring with her rival—the formidable, icy Catherine Ayers. Ayers is an ex-Washington political correspondent who suffered a humiliating fall from grace, and her acerbic, vicious tongue keeps everyone at bay. Everyone, that is, except knockabout Iowa girl King, who is undaunted, unimpressed and gives as good as she gets. One night a curious story unfolds before their eyes: One business launch, 34 prostitutes and a pallet of missing pink champagne. Can the warring pair work together to unravel an incredible story? This is a lesbian fiction with more than a few mysterious twists. (as someone who is usually pretty bored by any plot other than the romance, I actually enjoyed this mystery)

- Tricky Wisdom/Tricky Chances by Camryn Eyde

(for tricky wisdom)  Darcy Wright is a closeted lesbian who has been infatuated with her best friend, Taylor, since junior high. Leaving her small northeast Minnesota town for Harvard in a quest to become a doctor, she moves in with med-student Olivia Boyd, a neurotic, anal, gigantic pain in the backside. The first year of juggling medical school is grueling, but it’s nothing compared to living with Olivia.

Coming out to her friends and family with an anti-climactic flop, Darcy uses her newly publicized sexuality to try and win Taylor’s affections through an ill-hatched scheme that crosses uncomfortable lines. The result is as unexpected to Darcy as Darcy’s affinity for medicine is to Olivia.

The first year of medical school is a nerve-wracking encounter in medicine, learning lessons the hard way, and finding what her heart desires.

Tricky Chances is the sequel to Wisdom, but it’s the only lesfic sequel that i truly felt added to the first one and was just as gripping! Plus, the first book is only 48k words so the followup is perfect to come right after

- Who’d Have Thought by G Benson

Top neurosurgeon Samantha Thomson needs to get married fast and is tightlipped as to why. And with over $200,000 on offer to tie the knot, no questions asked, cash-strapped ER nurse Hayden Pérez isn’t about to demand answers.

The deal is only for a year of marriage, but Hayden’s going into it knowing it will be a nightmare. Sam is complicated, rude, kind of cold, and someone Hayden barely tolerates at work, let alone wants to marry. The hardest part is that Hayden has to convince everyone around them that they’re madly in love and that racing down the aisle together is all they’ve ever wanted. What could possibly go wrong? (this book comes in 9th because i don’t love it QUITE as much as i do all the others, but it was the one that got me into lesfic so! it’s good stuff)

And in a guest pick from the only other voracious lesfic reader i know, @debbie-eagan - 

Beautiful Dreamer by Melissa Brayden - 

Philadelphia real estate broker Devyn Winters is at the peak of her career, closing multimillion-dollar deals and relishing it. She’s pretty much blocked out her formative years in Dreamer’s Bay, where the most exciting thing to happen was the twice a year bake sale. Unfortunately, a distress call hauls her back home and away from the life she’s constructed. Now the question is just how long until she can leave again? And when did boring Elizabeth Draper get so beautiful?

Elizabeth Draper loves people, free time, and a good cup of coffee in the warm sunlight. In the quaint town of Dreamer’s Bay, she’s the only employee of On the Spot, an odd jobs company. She remembers Devyn Winters as shallow in high school, but now everything about Devyn makes her lose focus. Though her brain knows Devyn is only home temporarily, her heart didn’t seem to get the memo (I’m personally not a huge Brayden fan but a lot of other lesfic readers are so I reached out for a second opinion on this matter)

I hope you enjoy!

[child-of-sunshine]

Just gotta rant for a minute so this is going under a cut

I can’t stand the way tumblr in general talks about “rich people” (which they can’t define to save their fucking lives) and particularly when they mention “millionaires” as though it actually means something significant in terms of wealth. 

First, no one seems to understand that by today’s inflated standards, a million dollars really isn’t that much. A quick google search will tell me that the average “middle-income” parent in America will spend over 250k to raise a child from birth to 18 years old. If a couple has 4 kids, they’re already spending over a million dollars on those kids. Yes, that’s over 18 years, but it’s still meaningful.

If a person makes 100k, which is supposedly the 85th percentile of income, it only takes them 10 years to make a million dollars. And yes, obviously they’re spending money too, and it’s not like their savings or their net worth are going to be a million in that time, but people don’t even seem to comprehend that their earnings over that time would literally be a million. Someone earning the average American income, let’s say 50k because I get conflicting information from various sources, would only take 20 years to earn a million dollars.

And calling “millionaires” (putting that in quotes because people (a) do NOT understand the difference between net worth and actual liquid assets or even income) rich, particularly in the context of the “eat the rich” rhetoric, is ridiculous. I know this site has a serious problem with black-and-white thinking, but for fuck’s sake.

Let’s take a look at my parents.

My dad grew up in a relatively low-income household. His mother’s grandparents came straight from Italy with a few dollars in their pockets and nothing else. Her family struggled to get food on the table at times. She worked very hard as a seamstress and married a man who had a good job at Ford back when that meant actual benefits including into retirement, and so they managed to raise two boys without having to worry too much about being able to afford food or housing. They saved like crazy and spent the minimum that they possibly could on themselves, so that when they reached retirement, they had a pretty decent amount of savings for the rest of their lives and could finally enjoy some luxury vacations and get a small but nice house in Florida.

My mom grew up in a truly low-income household. She was the youngest of five siblings living in a tiny, shitty town in Nowhere, Michigan, with two parents who smoked constantly, in a house that sat next to some kind of horrifying mystery waste pond (she and both of her sisters had cancer, my mom at just 36, and one of her brothers died from some kind of unknown neurological deterioration). Her father got TB and spent time in a sanitarium, after which he became a withdrawn alcoholic and then died relatively young. Her mother became depressed, stopped working, and died of cancer. My mom lost both of her parents in her early 20s, before she even met my father.

Both of my parents were gifted with the great privileges of great brains and being white. Even in their crappy hick town in the middle of nowhere, my mom managed to be in the top of her class (of 56 whole people) in high school and earned a scholarship to a state university, literally the only way she could have afforded to attend. My dad worked to pay for his college as far as I know (because back then you could actually do that). They both got bachelor’s degrees. My dad became an engineer, a good career, and quickly found a job with a relatively new, small local company. He worked extremely hard, long hours for years and moved up to being a manager, and the company has grown a lot over the 25+ years he’s now worked there, with the result that he now makes a low six-figure salary. My mom took a computer programming course after realizing her journalism degree wouldn’t get her much paid work, and has worked as a programmer for 25+ years now, switching jobs sometimes, usually making somewhere in the 60-70k range in the last decade or so.

My mother got pregnant with my sister around the time she and my dad got engaged. She was working a crappy programming job and he’d barely started as an engineer, making nowhere near six figures. They lived in a trailer park, in a trailer with a hole in the floor and steps that were a safety hazard. She’d spent some time living with her sister, who’s 13 years older than her and never had children (thus had a house and some savings). My dad’s mother, the seamstress, made my mom’s wedding dress for free as long as my mom bought the material for it, which was just about all they could afford. They had a nice, small wedding when my sister was about 2 (she was afraid of my mom’s dress lmao) and one of my cousins took the pictures.

Four years after my sister was born, my parents had saved up enough to put a down payment on our house, a moderate-sized family home in a suburban neighborhood that was just being built. The house was a little over 200k. She got pregnant with me and the house was finished just after I was born.

My mom got cancer when I was 2 years old. They haven’t talked to me much about it. Her sister spent a lot of money to buy her a really nice wig made of animal hair (which, unfortunately, she could rarely wear because it made her very itchy). She went through surgery, chemo, and radiation. She spent months sick as hell and miserable, while trying to raise two young daughters. Thankfully, they’d saved enough to be able to handle the medical bills, particularly with my dad’s good job that had good benefits and, by then, was paying him a pretty decent salary. My mom recovered, thankfully (over 20 years in remission now!).

In 2008, when the recession hit, my mom lost her job quickly. She tried finding new ones but couldn’t. No one was hiring programmers, they were getting rid of them. Her depression got a lot worse. I was in high school and depressed myself (in large part because of the situation at home, though my parents don’t know it, that became suicidal depression a while afterward), and they had to start paying for therapy for me. My sister was in college and had to try to pay for it herself because my parents’ college fund for her hadn’t gone as far as they’d hoped. My dad’s company supplies machines to auto manufacturers. They were worried. They laid off some people, thankfully not my dad, and others had to take pay cuts. My parents started sitting down and seriously going over finances. My mom and I had to completely quit figure skating, my only physical stress outlet (like I said, that contributed a LOT to the severe depression). We had to cut down the grocery bills and think about not buying gifts for family members’ birthdays and such. My grandparents, happily retired by then with good savings, paid off the rest of our mortgage and told my dad to pay them back without interest whenever he could, so that no matter what happened with the jobs, we at least wouldn’t have to worry about losing our house. I listened to my parents scream at each other over money and I cried myself to sleep a lot of nights.

Guess what? My dad is a millionaire. Definitely not in liquid assets, but in net worth he probably just barely hits 1 million. He now makes a low six-figure salary and when the economy is doing okay, he invests some of it in the stock market, mostly in low-risk stocks that are guaranteed to have payouts (I don’t know a lot about this, so that’s all I’ll say). He inherited/learned his dad’s extreme money-saving ways and saves as much as possible. He’s an engineer and very handy, so whenever possible he does home and car repairs himself to save a lot of money. I managed to get a scholarship that covered almost all of my undergrad tuition, I lived at home for half of undergrad and all of med school to save money, I worked in retail in undergrad and as an EMT in med school to pay for some of my own stuff, and they didn’t pay for any of my med school tuition, so that’s it for their educational expenses for me. My mom’s had a good, stable job for the last few years that pays in the low 80k range, I think. We live in a house worth ~250k that we now fully own thanks to my grandparents. 

A few years ago, my dad’s brother bought a crappy, tiny, nearly-condemned cabin in the woods up north for about 20k (seriously, it was shit). He and my dad put in a few hundred dollars and a TON of time and manual labor to fix it up, and now we pay half the bills on it and both of our families use it for vacations. We have a small (19ft) boat that my dad bought as a gift for my mom when she had cancer--he got it extremely cheap from a guy who’d bought it, barely used it, and just wanted rid of it. It’s a 1994 and full of problems now, but we’ve managed to keep it going (barely, at times) and my dad has taken really good care of it over the years. A friend of my dad’s got him into snowmobiling about a decade ago and once his brother bought the cabin and they fixed it up, my dad got a cheap, crappy used snowmobile, which he used for a few years before reselling it and upgrading to an actually nice, new one, because yeah, he could afford it. He’s upgraded a couple times, good for him. When I actually have the time off, I go up with him in the winter and ride one of his old ones that he kept and fixed after it had an engine problem. It doesn’t cost much to renew the trail permits each year and I borrow my uncle’s gear for riding, so other than the initial cost of the sleds, it really costs us nothing to go riding (gas is extremely negligible in snowmobiles, they can go 120+ miles on a single 8 gallon tank, and we store them ourselves at the cabin so we don’t pay for that). We store the boat in our garage at home (like I said, it’s small) so other than the permit and gas for that when we take it out, again, really no continuous expense.

My parents pay all of their taxes without trying to do any bullshit work-arounds. They don’t have a lawyer or a tax accountant or a financial advisor, my dad does it all himself. He keeps track of all of our finances himself. We don’t pay a landscaping service or a cleaning service or any of that crap, we do it all ourselves like any other middle-class family. My mom donates regularly to charities for cancer, animal rescues, and injured veterans. 

But to tumblr, incapable of seeing nuance, we’re “one-percenters (absolutely nowhere near true) who own a house and have a ‘vacation home’ and a boat and recreational vehicles” so we’re pretty much just as bad as Bezos, because anyone who isn’t actively struggling to put food on the table or in horrible medical debt because of our disaster of a system is apparently “rich” and there’s no such thing as shades of gray.

[amorningshadeofyellow-blog]

What Time Is It? (A Day in the Life with Intrusive Thought OCD)

The last week or two has far surpassed the brim, overflowing with stress and wonder, lack of this, lack of that, thinking, thinking, thinking. Since coming back from Tulane, I think I’ve managed to scrape the bottom of the barrel a little less elegantly. It’s been an unexplainable place, surrounded by an unexplainable feeling, but the least I can do is try. Explaining my OCD is not something I do to make you feel bad for me, not something that I do to gain pity points. It’s embarrassing. I was one of the smartest girls around; I still am. Where does it make sense to be consumed- literally consumed- in thoughts that are so infantile, so small, so stupid and pointless? It doesn’t, but this is my attempt to explain the mental process and impact my OCD has made. 

There are a handful of types of OCD. Most people associate OCD with cleaning, organizing, scrubbing your hands 18 times in an hour or flipping a light switch 6 times. There was a YouTube video of a guy who was performing some sort of spoken poetry about his OCD and the girl he loved. I always thought about that. With the little research I’ve done, I’ve found that the basic types are as follows: those who clean, those who organize, those who check, those who hoard, and those with intrusive thoughts- the obsessives. Obviously, my case is the latter. In slight description, the cleaners are the ones who scrub hands and surfaces, afraid of germs and contamination. The organizers are fixated on symmetry, things being centered and equally, those who organize their desks so precisely that if a pen moves two centimeters- they know. The checkers are those who check door locks, light switches, stove tops- often so obsessed with the idea that there will be a fire, a break in, something fo the sorts. The hoarders are obvious without description. Then, there are those of us that suffer from intrusive thoughts. My kind. Those who will be having a normal day, walking the halls to class or driving along the road, and suddenly an unwarranted and unwanted thought presents itself. This begins an obsessive-compulsive cycle, and it’s where I’ve struggled for many years. Where you’re able to see the compulsion- the cleaning, hoarding, flipping light switches and organizing desks, mine is far harder to detect. My compulsion- the relief- it comes in many forms. I need far more reassurance than the average human solely because I’ve depleted my ego and don’t think highly enough of myself to take my own word. It’s hard to make people understand it because we all worry. Where I differ is that my worry is an all consuming part of my day. Not every day. Some days, I don’t worry so much. Some days, when there’s no stressors and I feel the sun on my face and am confident in my body and mind- I do alright. Others, I quite literally think I’m the worlds most embarrassingly psychotic human being. So, I’m still learning. The compulsion aspect of my disorder still confuses me. The routines I go through to relieve the anxiety isn’t always the same, but there’s a compulsion. The thirty texts, the drinking, the sudden stopping myself from eating or sleeping, the texts, the texts, the endless flow of words that keep coming, the apologies on top of apologies. It doesn’t really make sense to me, and I guess that’s because I still think of the man switching the light off and on. 

To further indulge in the intensity and persistent nature of these thoughts- I want to explain how a day may work for me. I wake up. What time is it? 7:45. So, I should leave by 8:35 at the least because getting my bags out of my car and parking, locking the doors and situating my things so I can grab my coffee from my console will take probably four minutes, three or four to walk to class. I’m doing my makeup. My eyebrow hair grows so strangely. I should pluck these, but is it going too look too sparse right here? I think they’re too dark, but I don’t have time to really go back and change it. If I waste the product more I’ll have to buy another brow pencil by the end of April. They’re twenty-one dollars. I have three-hundred and six dollars in my bank account, but less than a fourth a tank of gas. However, I go to San Diego Monday, so I only need gas to go to Jackson for classes these next two days and then Saturday to clean the office. I should fill up before I go to San Diego in case I spend too much there. It takes thirty dollars to fill up my car. My seventy dollar car insurance already came out of my account, but I still need to pay those medical bills. Shit, my medical bills. I’m sure at least one has gone to collection. Is my credit going to be terrible now? How do I fix that? I should ask my mom. I hope my credit isn’t bad. three hundred and six minus thirty is two hundred and seventy six. That should be fine. Maybe I can afford another brow pencil. God, what time is it? 8:06.

 I feel my window to see how cold it is outside. Probably 60 degrees. I’ll wear a skirt and crop top. I think I’ve gained weight. I’ve been eating less. Did I? I shouldn’t weigh myself. If I weigh myself I’ll be upset all day long if I have gained weight. I didn’t eat that much yesterday. Maybe it’s lower. I weigh myself. I’m .2 pounds less than I was yesterday. That’s fine. Okay. I’m just over thinking it. I think my hips are too noticeably big. My hair is too dead on the ends, too, but I should wait to get it trimmed. Would bangs look cool? My face is too round. What if they make my face look fatter? I’m straightening my hair. I need to buy a hair mask or a heat protectant. This is probably why my hair is dead. I could leave it natural more, but I look less put together- more messy. Did I have a quiz today? No, I don’t think so. I think that’s next Thursday. My grades. Fuck, my grades are probably terrible. I wonder how much extra credit I’d have to do. Is Tulane going to accept my credits? What if I just wasted three thousand dollars at Union? 8:28. I should brush my teeth. I should put my pajama tshirt back on in case I get tooth paste on my top. God, my car is so nasty on the inside. If I have lunch with mom today, maybe I’ll just eat a salad or smoothie for dinner. I don’t want to be bloated before San Diego. I have pictures to take. What if I miss my connecting flight? I wonder what they do. Can I bring a razor in my checked bag? I don’t want to buy $20 razors there to shave my legs. 

I grab a water bottle and get into my car. Oh, I have less gas than I thought. I check it constantly as I drive. I drive past my ex boyfriend’s house on my way to pick up a friend for breakfast before class. He’s home? He’s never home on Mondays. Is he okay? Is his brother sick? Did something happen with his car? Does he need a ride? Is he mad? Did I say something this week that put him into a rut and now he’s depressed and can’t leave bed? I should text him. There are already ten texts sent from me from our discussion yesterday. Am I being too annoying? I bet he’s annoyed. Why do we even still talk every day? Did he ignore those on purpose? I think he read this one sentence as rude. I didn’t mean to be rude. God, I look like such a bitch. Maybe I should apologize. I’ll apologize. I text and explain that I drove by to get a friend in his neighborhood. Are you okay? Is your brother? Just wanted to make sure nothing was wrong. I go to breakfast. Panera is out of espresso, so I can’t get coffee. What if I get tired today? I slept eleven hours last night; I should be fine. I slept eleven hours. That’s too many. Am I getting depresses again? No, I think I feel fine. I feel happy. Yeah, I think I’m good. Okay. Should I eat a bagel? That’s too many carbs. You’ll be able to tell in this skirt. I go to class. He hasn’t texted, but he isn’t awake this early. Lauren hasn’t texted either. It’s been over a whole day. Did she get back to school safe? Is she that busy? Why aren’t I ever that busy? How come other people are so busy and never near their phones, but I’m never busy. Should I be studying more? I don’t have the money to go out. Where are all of my friends? I should go back to Tulane. My friends are there. I don’t want to get depressed again though. Maybe it’ll be better on meds. I had fun last weekend. I’m excited to go back in April. 

I sit in my lecture. Is it noticeable that I’m writing in my journal? What if he calls me out? I’m going to at least listen to the verse in case he calls on me to read. What if I pronounce a name or city wrong from the bible? That would be so embarrassing. Is anyone else here secretly not religious? Probably the girl in the Frank Ocean shirt. What time is it? twenty two minutes until I’m out. I’m not hungry. I have an hour and a half until my next class. Should I write? What if I don’t have time to finish it and get uninspired? I shouldn’t spend money. Where is that coffee shop on campus? No, spending money is bad. I need to save for car insurance. I may buy those concert tickets if I don’t spend a ton in California. The lecture is over. I walk to my car. It’s way colder than I thought it would be. These people are shivering. I either look stupid or incredibly warm blooded. People totally think I look stupid in this outfit. I drive around. I’m wasting gas. I should just go sit in the parking lot at school. He texted. Everything is okay, he just has plans on another day so he’s working today. I text to see if I can bring a record by and drop it of since he’d like it. He says he wishes I wouldn’t. Is it personal? Is it me? What did I do, was it phrased wrong? Does he think I’m being too serious? Is he tired of me? He’s probably tired of me. I’m going to Pet Smart. I go and look at the hamsters and how sweet and small they are. I smile at them and watch them run around and play for probably ten or fifteen minutes. I want a hamster. No, I’d be too lazy to clean the cage. They are so sweet, though. How long have they been in there? Probably too long. That’s so sad. Peppermint oil. That calms me down. I feel like I’m going to have an anxiety attack. Why do I feel like this? I think I’m going to cry. I text again: Are you mad at me? Can we talk about some things? I know I said a lot yesterday, I’m sorry. Can I just say some really simple things and you can tell me what you think? Did I say something wrong yesterday? Are you sure everything’s okay? I know I’m worrying like I said I wouldn’t, but I need to start off on a good foot to stick to it. I don’t know what I’m even saying. I’m being annoying and pissing you off. I know there are way too many texts on my side and I feel so stupid. Can you please just find time to tell me if things are okay? 

I text over ten times, probably twenty. From 11;15 until he texts back around 3 something. I’m at the oil change center. Where do I go? I look so stupid. I have no clue where to go. The lobby of this place is full. I have to sit at the kid table. Everyone in here is old so they probably do think I’m a kid. It’s so gross outside, I hope it doesn’t make me sad. I should take my anti-depressants. It’s past noon, maybe I shouldn’t. It will keep me up. It’s so strange to me how tired I can be and then as soon as something bothers me, I’m awake for the next four hours. You’d think I’d be a normal fucking person for once in my life, but no. God, I look so annoying. I understand why I got broken up with now. It’s so cold in here. Do I have homework? I think that worksheet was for later this week. I should check when the next assignment is due. He’s typing, I’m anxious. Those thirty seconds are completely pit-of-your-stomach. What if he says something mean and I cry in this lobby? I should go to the bathroom in case. They called my name. My car is done. I sign paperwork. I go to my car and drive home. He tells me he knows to ignore what I said earlier- I’d been like this every day for the last ten days. I’m too stressed. It’s too obvious. Why do things hurt my feelings so easily? I’m driving. I tell him I’m driving and I’ll ask the two questions he told me he’d answer when I get home. So, I type out a condensed version of what I’d said yesterday- asking for patience and forgiveness when I know that’s stupid- when I know he understands and is willing to joke around and act like I’m not a freak. He’s too kind. I know he was overly kind to me in New Orleans because he wanted me to feel emotionally strong. He knew it would be a rough weekend. Lauren texted. She’s alive. We talk. I don’t have time to explain why I’m anxious- I don’t really know why. She sends me a meme. My phone is going to die. I come off of all of my worry after the talk I have about my worry and how he reassures me that I have nothing to worry about- I’m not being forgotten, I’m not hated. He’s far too funny for me. Does my senes of humor seem too immature? Does he even get this joke? The song playing right now is sad, I hope it doesn’t impact my mood. 

I’m at home on my bed. I tried on my bikini again before I go to San Diego. It looks so much worse on me now. Is it because I’ve gained weight? No, I weighed myself this morning and hadn’t gained weight. Maybe, I’m bloated. I just drank a lot of water. I wanted to take pictures in this, but I’m not going to now. How many days- today is.. Wednesday. Tomorrow I have New Testament early in the morning. Then, I have gym. I don’t think I’ll go. I always look so stupid in there. She tried to make us play volleyball last week- can you believe that? There are like ten people in that class and none of us know one another. It’s so awkward. I always feel so awkward. I hate working out in front of people. I think I’ve eaten too much today. I had coffee this morning, a kind bar, then I ate some edamame and grain crackers. I had a small bowl of tomato soup and a piece of toast with it for lunch. I think I’ll skip dinner. I’ll drink more water and maybe it’ll flush everything out. I should drink this last beer today so I can have the next four or five days to not drink anything except water. Why is my chin so itchy? Oh, he texted again. Bangs? He thinks I should get bangs? I’d look terrible with bangs. My face is too round. Yeah, just looked at myself in the mirror, and I definitely see a double chin. I don’t think they’d look good on me. That one girl in high school had incredible bangs. Would he still think I was pretty if i got them? What if they make him think otherwise and then he doesn’t like anything about me? Maybe I should do it. Change is good. My ends are dead though so I’ll just start with a trim. Dinner. I shouldn’t eat dinner. If I do, I should do like a banana or something. 

My skin itches. Is it just because it’s hot in here? No. No, why is my neck so itchy? Moisturizers break me out. Do I want to break out or relieve this? I could leave it alone. Where is my peppermint oil? I look crazy typing this. I won’t post it. It can stay in my notes for a long time. Honestly, I think a whopping three people read this. If you put that, you’ll look like you underestimate and are fishing for compliments. What do I type next? How do I transition back to something else? It looks too choppy. What if people actually think I’m a really shitty writer and just pity me because I have so much fun with it? I think some things are okay. Some things. I should write more. I know he won’t text back; he’s busy. Should I text just to tell him the good news? Does it look like I’m lying to get his attention? It’s just good news. It’s just something I’m happy about. I don’t think he cares, but maybe he just finds it nice to see me excited about things. I think I’ll tell him, yeah, this text is too long though. What words can I take out to make it look shorter. That sentence is pointless- too explanative. Back space back space back space. Posture. Sit up straight. This is why my spine looks so weird. I need to stop hunching my shoulders over. Jesus, I hope my mom doesn’t check my checking account. I spent so much pointless money last week. I feel so guilty. Maybe I can return it. I don’t think so. I’ll keep it. The jewelry is cute. Yeah, at least I have some for the pictures I take in San Diego. I’m so excited. I need to download my music so it’ll play. I should watch a movie today too. God, I need to go to the theater and watch some stuff this week. I may do that tomorrow to  pass time.I hope he doesn’t think I’ve showed up for him. I just want to come see some movies. Im behind. I saw Red Sparrow a few weeks back. It was good. Tulane housing emailed me. They want to call me tomorrow. I think they just want to clarify my situation, but if they tell me I’ll be in freshman housing I think I’ll cry. How do they even do that? There isn’t enough for everybody. I want to live in Paterson. I’d have a balcony and be close to everything. My friends would be closer too. What if they put me in JL? Oh, my god. I think I’d actually drop out. What if I get depressed again? I can’t even walk past my old dorm without feeling gutted. Too much happened there. Too much happened. I suddenly feel so sad. I remember being there and looking in my old window and seeing another girl live there. It was like that was the only part of campus that I never existed in. I felt wanted everywhere else. I think I was wanted at least. It felt good. I wonder if people would actually come visit me. I would love that.I’d get to show people the city. I just hope I don’t get sick again. I’ll be on probation when I first come back, and I just think maybe my classes will be too difficult to handle. If I slip, what if they kick me out? Just because my grade wasn’t good? What if they give me like math or science when I first come back? I’d fail and they’d kick me out because I’m supposed to be doing way better than just average. What if I gain weight? Bruff was so gross. I don’t want to go back and gain weight. I’ll have to start going to the gym. I do miss their gym. I’d just need workout clothes. Sometimes when I get too hot and workout without eating, I wind up passing out. I need to stop doing that. I need to take my vitamins.T That’s why my hair is dead. I haven’t been taking them. 

I should go to sleep. I should sleep. It’s 9 pm. Where is my birth control? There. There. I need to refill this tomorrow. I’ll refill it on my way home. Wait, I was going to go to the theater. I’ll do it Friday. I have the pill for tomorrow. So I can do it Friday before they close. Would bangs actually look good? I’m going to turn on a show. I think I’ll have a nightmare if I watch this one, so I’m going to skip it. All of these look interesting, I just can’t sit through anything that has bad acting and they all look terribly acted. I should write a screenplay. I could be an actress. I hated The Ritual. It gave me a nightmare from hell. I should take another shower. I need to throw up. I think I’ve eaten too much. If i gained half a pound, I think it’ll ruin my day tomorrow. Yeah, my mood won’t be good. I’m going to ruin my teeth. I need to make sure I take care of my teeth. I’ll double brush and double floss. That will be okay. I’ll call my dentist in the morning. Why hasn’t anyone texted me back? Did mine send? Yes. They sent. Stop texting. You look so bored and pathetic. Sleep. Go to sleep. I think he hates me again. I think I said something wrong. What time is it? 

[altekmediagroup]

3 Ways To Protect Your Retirement

The top 3 ways to protect your assets and family in retirement

I had a friend and colleague in the financial services industry that had a saying, “the unfortunate reality of life is, few people are ‘happy, happy, happy...dead.” That pretty much always caught people off guard! But it also got their attention, which is what is was meant to do. Put another way, very few people die without some period of time in which they need assistance going about the normal activities of daily life. According to a recent, and very well documented statistic, out of 100 people...100 will die. Shocking right?! But the bigger issue we are dealing with here is what happens between “happy” and “dead.” On a more serious note, the numbers on the realities surrounding long term care are pretty daunting: According to recent stats1, 7 out of every 10 people 65 and older will need long term care. According to one of the leading long term care insurance providers in the country, over 59% of long term care claims last more than one year, and of those, the average length of time care is needed is 4.2 years. The California median cost for home care is $57,204 per year. The average cost of nursing home care is $97,368 for a “semi-private room” and $116,436 for a private room.2 Few circumstances in life will utterly drain your assets like paying for good long term care. As the old saying goes, the question isn’t “can you afford to buy a policy or plan?”, because you can’t afford not to put a plan in effect. First of all, let’s set the record straight on some common myths. Doesn’t my medical insurance cover this stuff? Nope. It doesn’t. What about Medicare or Med-Cal? Well, they may provide 1 2017 U.S. Department of Health and Human Services 10/10/2017. 2 Genworth cost of care survey, 2017 limited coverage, but only if you meet certain criteria...primarily involving impoverishing yourself. Another thing most people don’t realize is that federal law requires that states recover the money spent on people’s behalf for long term care from their estate after they pass away! Another thought some people entertain in order to put their mind at ease is that their family will take care of each other. Ok, let’s talk hard truth for a minute. Imagine your loved ones having to help you daily with dressing, washing, and using the restroom. Is that really what you would want?  If you, or anyone you know, has been through this scenario, you know how demoralizing it can be, and how much of a strain it puts on the family financially, and in just about every other way. One of the biggest reasons for planning right now how you will finance the costs of long term care is to preserve your dignity, and that of the ones you love, so that you are able to spend your final days interacting with your family in the best ways possible. So what are your options? Well, you may be surprised to find that you have more than you realize. Here’s a quick summary of the top options you should consider, along with some pros and cons to help you narrow down what makes the most sense for you: 1. Long term care insurance. This is the most straightforward method, and will usually give you the most value for your dollars in straight long term care benefits. You might also find this to be more affordable than you think. It is based on providing a set “cost per day” benefit, for a certain number of years. Another key factor that affects you premiums is your choice of “elimination period.” Think of it like a time deductible. You can typically choose from 30 days to 120 days, and sometimes more. As with all insurance, the higher the deductible, the lower the premiums. The primary downside that people see in this product is, if they die in their sleep without needing care, or of some sudden accident of extremely fast moving disease, then the money spent on this insurance is “wasted”. It has one purpose, and is purely protection, just like your auto insurance or home owner’s insurance. 2. Life insurance with an LTC rider. These days you have several life insurance carriers in California that offer a life insurance product with a “Chronic Illness Rider”, or something similar, that will allow you to use up to 100% of your death benefit to pay for long-term-caretype needs. The benefit is triggered by the same thing as long term care insurance - loss of 2 ADLs, (activities of daily living). This can be a very cost-efficient way to cover your bases, and get your dollars multi-tasking, which I strongly believe to be a key principle in wealth accumulation and protection. Some down sides would be that you may not get as great a benefit amount monthly as a straight LTC policy would provide. Also, you need to remember that if you use some or most of your breath benefit for long term care needs, this directly reduces the life insurance benefit paid to your beneficiaries. 3. Long term care annuities, or hybrid whole life policies. This is one of the newer options, and one of my personal favorites. You can typically fund a product like this will qualified or non- qualified funds. Meaning, you could roll money straight out of an IRA or 401k and into one of these without creating a taxable event. So if you have funds wasting away in a retirement account somewhere, this might be a really good option for some of those funds. Also, these products allow you to make sure that no matter what happens, be it the “happy, happy, happy...dead” scenario, or needing long term care, or needing some of the money you put into the policy for paying for life’s needs or wants, you get to “have it all”. Should you need long term care, like most people, the dollars spent on this product will buy far more in benefits than the dollars themselves would ever provide. Should to die suddenly, without needing care, the benefit pays out like life insurance to your beneficiaries. And, should you live longer and healthier than you expected, and need some of that money back out, the principle is liquid, guaranteed, and will also be credited with a typical 3-4% interest earnings annually. Pretty snazzy huh? Again, the main downside here would be that you will typically get more long term care benefits for your dollars when you purchase pure long term care insurance, as opposed to a hybrid like this. So there is some good food for thought, and hopefully, you can find renewed vigor and clarity to make up your mind to get this thing done like you have been meaning to for years. It will never be cheaper than it is today, and if you are already in your 50s, 60s, or older, chances are, you are also about as healthy as you will ever be. Waiting only costs you more, and potentially could cost you the ability to even have a choice, should an unexpected illness or injury render you uninsurable. Getting valuable protection like this can be much more affordable than you think, and you will rest much easier knowing it is in place - securing your future, protecting your loved ones and your assets - making sure you don’t end up broke in a nursing home wondering why.

Luke Kibler Vantage Insurance Solutions License #0E35140 luke@vantageinso.com vantageinso.com 909. 936. 7032   Key Words Business Insights, Business, Insights, Altek Media Group, Altek, Media, Video, video, film, near me, the Best, production, online, magazine, strategy, digital, marketing, blogging, social media, funnel, Brand, Content Management System, logistics, Lean, manufacturing, CEO, infograhics, instagram, facebook, linked in, google, Key Performance Indicator, Automation, Optimization, exit planning, Public relations, Advanced, Agile, oem, smart, supply chain, Net Neutrality, Big Data, Data Mining, Actionable Analytics, Artificial Intelligence, Machine Learning, Personalization, Voice Recognition, Chatbots, Augmented Reality, Virtual Reality, Smart Factory, Industry 4.0, Quantum Computing, BlockChain, Technological Unemployment, Digital, benchmarking, flexable, Kaizen, prototyping, robotics, six sigma Read the full article

[medkltty-blog]

The Integrity of Medical School

I’ve been in medical school for a little over a semester and I have become very disillusioned with medical school as an institution. I’m glad I’m in medical school and I know how lucky I am to be in medical school, however, I’m struggling with the ethics of medical school as an institution.

It took me six years to get into medical school. In that time I got a bachelor’s degree, a graduate degree, I worked full-time and volunteered nearly 20 hours a week. I took the MCAT and went on interviews and paid for my applications. In that time, I also probably spent well over 30 thousand dollars trying to get into medical school, not including the student loans I had to take out to pay for my pre-med and graduate classes. The cost of my applications, alone, was 5 thousand dollars. And that was the second time I applied. The cost of my interviews were also easily 5 thousand dollars as well. 

When I got into medical school I was excited to become a doctor. I was proud of myself and felt vindicated that all of my hard work paid off. I was ready to start learning how to be a doctor. My first semester was absolutely miserable. The morale of my class was extremely low. We go to a school that heavily emphasizes wellness but a slew of new changes based on feedback from students ahead of us created a schedule that was unsustainable and didn’t leave time for any self-care practice or wellness at all. The idea of wellness became a running inside joke in our class where people would proudly state that they participated in self-care by taking a shower for the first time in two days or by sleeping in past 7am on a Saturday.

But we got through that first semester, propelled by second year students telling us that it would be all downhill after that and that once we started organ systems second semester, we’d be so much happier and have so much time to take care of ourselves and study (because our schedule was so jam-packed that it left very little time to study and our attendance in class is required). We had third year medical students telling us how they would rather repeat their entire third year of medical school and all the crazy rotations that go with it than repeat their first semester. And so we took all of our finals and set off for winter break looking forward to next semester.

Our second semester started a little over three weeks ago. News that we lost six of our classmates spread through the class. They chose to leave or weren’t allowed to come back by the administration. It was an elephant in the room that none of us can talk about because of privacy rules. Still, morale is higher when we start up our organs systems classes.

And that is when I realized what a money scam medical school is. I am required to go to class if I want my class rank to be high not because our classes actually teach us information but because your grade is connected to your attendance, so poor attendance = a poor grade = a lower class rank. I sit in class for up to 9 hours a day and have clinicians read powerpoint slides word-for-word to me, none of which are interesting or helpful to my actual learning and all of which I could have read to myself at home. I am told by our academic administrators to buy resources like First Aid to study for Step 1, they bought us a Q bank but we have to pay for everything else. $900 later, I have subscriptions to Pathoma, RX, Sketchy, and Firecracker. I wanted to buy a set of clinical case books recommended to us but the price on Amazon was $653. By the time I take Step 1 I will have taken out 150 THOUSAND dollars in student loans ON TOP OF the student loans I already have from two bachelor degrees and a master’s degree. 

I will need to pay the fees for the Step exams on my own. I am expected to join various professional societies and pay their yearly fees because it will make my residency application look better even though joining those professional societies has no impact on what kind of physician I will be, how much I care about others, or my Step 1 score. And, of course, those professional societies are so generous and give you a discount because you’re a medical student, so instead of paying $500 you’re asked to only pay $150. But isn’t it worth it to add some fake prestige to your residency application by saying you went to the AMA conference one year? The AMA that endorsed Tom Price for HHS secretary? The AMA that endorsed someone who wants to remove the ACA and condemn 43,000 additional people to death due to lack of insurance every year. Sign me the fuck up, right?

I am disgusted with the cost of medical school. I knew it would be expensive but I feel it is unethical to ask students to spend so much money applying to medical school and taking the MCAT and then asking them to pay EVEN MORE. Especially when there was so much hand-wringing from the AAMC and NBME about how to make medical school more affordable and how to increase the diversity among students and increase the number of first generation physicians (since studies show that children of doctors tend to be worse doctors than their first generation peers). I have an idea:

Get rid of the first two years of medical school. Make Step 1 the admissions exam for students. Get rid of application fees and the MCAT altogether. Start students up in January, give them a ten week course in gross anatomy, followed by a two week intensive clinical skills course and a first aid/CPR certification, and start them up on wards in April, a full 2 to 3 months earlier than most schools. This gives students 5 to 6 months to explore specialties after their required rotations instead of 2 to 3 which aren’t even really used for students to explore since those are the rotations they need to do in order to get the letters of rec they need for their residency applications (may be the lack of time to explore specialty options is why 60-90% of physicians hate their fucking jobs). 

And then, of course, you have to spend thousands of dollars on your residency applications and travel for interviews, which are not factored in to your student loan awards. 

This will never happen, though, because the AAMC makes billions of dollars in application fees, MCAT fees, and official test prep materials. The NBME makes billions of dollars off the backs of students paying for their exams and the LCME makes just as much. None of the organizations that could change the system have the incentive to do so because they are too busy milking medical students for all the money they have.

I know it sounds like I’m too money focused. The truth is, I’m not. I gave up hope of ever paying off my student loans years ago. I will never pay them back and I didn’t want to be a doctor because of the salary. My disillusionment with medical school as an institution is due to the ethics of it all. When I was applying to medical school there was a huge push to improve medical class diversity and encourage more minority and lower class students to apply. You can get fee waivers and financial assistance to cover the cost of your MCAT fees. But that doesn’t go far enough. Those application fee waivers don’t make booking flights for interviews any cheaper, they don’t lower the cost of having to rent a car or buy a suit for an interview. 

How can we expect students living in poverty to drop 5 grand on interview costs just to get in to medical school? How can we expect students living in underserved communities to afford the cost of Step 2 and the price of travel to and from the 6 locations in the country you can take it? Underserved communities NEED students who understand what living in those communities is like to go back and be their doctors. And, yes, there are scholarships and small-scale help, but I’m arguing that the entire system, right now, is designed to keep students who can’t afford to pay for medical school admittance out. Is a student whose family is on food stamps really going to have $150 to pay for the MCAT? No. 

I look around at the people in my class, which to my school’s credit is exceedingly diverse in race and religious background, however almost everyone in my class comes from a family that was middle class or above. Half of my classmates have parents who can afford to pay for their tuition and living expenses. I am part of the other class that has to take out loans. But when I was applying to medical school and there was a mix up with my teaching assistant stipend that lead to it being delayed, my dad was able to loan me the $2500 I needed to submit my AMCAS application on time. If I had not had a full-time job as a graduate student, though, I would not have been able to afford the cost of interviewing, and a third of the interviews I went on were local. 

In class, we are asked to think about treatment plans for patients and discuss them with each other. The girl sitting next to me says she thinks this ethics class is a waste of our time. The patient is an overweight child who we need to counsel, she lives in a run down part of a large city. We work together on her treatment plan and my partner comes up with a list of groceries to buy. I point out that the patient in question is a minor and likely not in charge of her food and that the education needs to be directed towards the parent and the patient. I also point out that due to the income level of the area they live in, the patient’s mother is likely relying on food stamps. I go over the grocery list and not a single thing is realistic. I point out that food stamps cannot be used to buy milk. My partner is shocked, her eyes widen; when I tell her how food stamps in my state can’t be used to buy rice, her entire world is turned upside down. I voice this in class when we are invited to share. A male classmate who is openly gay and voted for Trump comes up to me and asks me to explain why food stamps can’t be used to buy milk. I do and he doesn’t know what to say.

I look at my classmates who do not understand what poverty looks like in reality and I think about the people I know in rural towns who blew their entire savings trying to get into medical school only to be told when they didn’t get in that they needed to go take the MCAT again because the 29 they got wasn’t good enough, they needed a 30. The people suggesting this to my friend recommend taking an MCAT course not realizing the closest one would be two hours away and that the nearly 3 grand the course costs makes that impossible, not to mention the cost of taking the test again. It doesn’t matter, though, because she wouldn’t be able to afford all of the resources for Step 1 let alone the cost of THAT exam once she got into medical school. She works as a CNA in a nursing home.

How can we put such a financial burden on students applying to medical school? How can we ask medical students to pay so much money for residency applications, licensing exams, and tuition? How can we do that and then ask them to enter a profession that requires them to get permission from insurance providers and hospital administrators to order a damn chest CT? How can we ask them to pay so much money and then ignore the fact that there aren’t enough residency spots available for all of them to train in? How can we ask pre-med and medical students to pay so much money when the health care system is in shambles and the only people making money are hospital CEOs and insurance companies? How can we expect medical students to pay back their massive student loans in a system like that? Why are institutions like the AAMC so comfortable setting so many medical students up for failure?

Because my school emphasizes wellness, we have mandatory wellness classes we have to attend. Because, in medical school, giving students time to practice self-care isn’t as important as requiring them to attend a four hour class telling them they need to practice self-care and get lots of sleep, all while requiring them to be at school by 8am and making us sit in class until 5pm, giving us five hours of the day to study before we do it all again. And, of course, in those five hours of study time we also need to fit in time to exercise, feed ourselves, and maybe speak with our loved ones for five minutes to make sure they are still alive. Because self-care!

I wouldn’t say I’m jaded about medical school this early on but I am questioning why this system is in place. Why pay for two years of medical school when everyone just uses First Aid and Step resources to get a good score? I think medicine, as an institution, is really stuck in this idea of “well, I had to do it so you do, too” which I think is a really dangerous way of thinking. I think if medical students have extremely high rates of depression and anxiety (myself included, however mine was with me long before medical school) and it just gets worse through residency and becoming an attending there’s something wrong with the system. And if something isn’t working, why shouldn’t it be fixed? “Because I went through it and you should, too” isn’t a good enough answer for me. It’s also not accurate, right? The doctors who are saying that bullshit excuse went to medical school in a different time, where they could actually make decisions about patient care without having to call an insurance company for permission first. They went through medical school when it was actually affordable. They went through medical school when the idea of a woman being a doctor was either not allowed, unheard of, or looked down on, because who would take care of their kids at home while they went through residency if their wife was in medical school? 

So, yeah, they went through medical school and worked all of these hours and paid for medical school but the context was different, so I still want to know why such an archaic system that is already financially unattainable for people we NEED to be doctors and is quickly becoming financially unattainable for anyone who doesn’t have a trust fund is allowed to exist. I want to know why a 60-90% dissatisfaction rate is considered acceptable among physicians without any examination of the system that makes them into physicians.

[quirkypandah]

Fuck you guys, I wanna do these xD

1. You woke up naked next to the last person you texted, what would you say?

“Good morning, darling” <3 (last person I texted is Brandan, so I would love this xD)

2. What’s going on between you and the last person you kissed?

Dating still hooooray

3. If your boyfriend or girlfriend was into drugs, would you care?

He smokes pot. I’m not super happy about it but meh xP

4. Is your last name longer than six letters?

Yas

5. Was your last kiss drunk or sober?

DRUNK ON LOVE it was sober. And sad. I was crying. xD

6. Have you ever wanted to have someone but you messed it up?

Probably but I’m happy with what I have now yay

7. What does your last received text say?

“My nose stopped running xD”

8. How many times have you kissed the last person you kissed?

Not enough

9. Where was your last kiss at?

Dayton, Ohio outside my hotel. I was crying because we had to say goodbye, and has he drove away, a man staying at the hotel called out to me, “He loves you,” and it made me feel better

10. When is the last time you saw your sister?

Sunday, I’ll see her tomorrow

11. What do you drink in the morning?

Water and lately orange juice

12. Where did you sleep last night?

My bed

13. Do you think relationships are hard?

It’s difficult to get two people to be willing to be within close proximity of one another so yes

14. If you could go back and change something in the past 5 months, would you?

Yes, I wouldn’t fuck up my grades last semester so much

15. You’re locked in a room with the last person you kissed, any problems?

HELL NAH.

16. Would you rather it be sunny or rainy?

I like both :) but probably sunny. Dancing in the rain is fun too

17. Do you know anyone with the same middle name as you?

My sister

18. Are you wearing jeans,sweatpants,or pajama pants?

PJ Pants, it’s midnight, why would I wear jeans at midnight

19. Do you think you will be in a relationship 3 years from now?

Hopefully, I’ve had the same person in my heart for over a year and a half now

20. Does anyone like you?

I hope he does. xD

21. Have you ever kissed someone with a name that starts with an S?

Nope, just a name that starts with B

22. Is the last person you kissed gay?

God, I hope not, otherwise we have a problem xD

23. Is there a person you CANNOT stand?

Probably

24. Have you ever considered getting a tattoo?

Yes

25. In the past week have you cried?

Surprisingly no. I haven’t cried in a long time, actually. I’m really happy now that I realized that, life has been awesome lately

26. What breed was the last dog you saw?

Uhhhhhhh Idunno, something someone was walking this morning

27. Do you dry off in the shower or out of the shower?

Pfft out of the shower

28. Have you ever kissed a football player?

I’ve kissed a used-to-be soccer player

29. Do you think you’re old?

Nah

30. Do you like text messaging?

Yas

31. What type of day are you having?

Tiring & stressed but pretty good one :)

32. Have you ever thought about getting your nose pierced?

Heck nah

33. Do you prefer warm or cold weather?

Depends on my mood

34. Is there a person of the opposite sex who means a lot to you?

Multiple. Brandan means the most though xD

35. Would you prefer a relationship or a fling?

Relationship all the way. I’m too emotional of a person for a fling, prior to Brandan, I would’ve wanted any fling I’d have to become a relationship

36. Are you a simple or complicated person?

I try to be a simple person, but I’m probably pretty complicated

37. What song are you listening to?

None right now, sorry

38. When you say you’re sorry do you mean it?

Usually

39. Is there a girl that knows everything or almost everything about you?

Uhhhhh I don’t think so. I’ve gotten better about opening up, but I’m still a relatively private person

40. What made you start liking the person you like now?

When I think about it, I have no idea. Probably his personality & sense of humor that came through over text

41. When did you last receive a text message?

11:05PM (it is currently 12:06AM)

42. What is wrong with you right now?

Probably have a sinus infection. Thirsty. Really tired. Stressed. Nasty zit on my chin.

43. How well do you know the last female you texted?

Uhhhh I think it was my cousin, and I’d like to think pretty well

44. Does anyone disgust you?

Probably

45. Would you date someone right now if they asked?

QUICK, BRANDAN ASK ME

46. Are you in a good mood right now?

Yes

47. Who was the last person you talked to in person?

The cashier at Culver’s

48. What color shirt are you wearing?

periwinkle

49. Has someone recently told you something you didn’t want to hear?

Probably

50. Anyone you’re giving up on?

I really don’t give up on people

51. Do you hate the person you fell hardest for?

No, I love him right now xD

52. Have you ever thought about giving up on someone but couldn’t?

All the time

53. Do you like rain?

YES <3

54. Do you care if your boyfriend/girlfriend drinks?

No, he’s an adult xD

55. Have you ever liked somebody and never told them?

Yup

56. Do you like to cuddle?

YES

57. Are you shy?

Depends

58. Do you get along with girls?

Yes

59. Have you dated the person you texted last?

Yes and still am

60. What do you carry with you at all times?

Self, clothes, phone, headphones, a book, my wallet

61. If you were paid 1 million dollars to spend the night in a supposed haunted house, would you?

hmmmmmmmmmmmmmmmmmmmmmmmmmmmmmmmmmmmmmm I don’t know. If I kept telling myself “pay for med school pay for med school” then I think I could tough it out

62. Do you think you can last in a relationship for five months?

Considering I was in one for a year, yes

63. Think back to October, were you in a relationship?

This past October? Technically no

64. The person you like kisses you on the forehead, do you find this cute?

YES PLEASE

65. Did anything “cute” happen in the last week?

Probably

66. How old are the last three people you kissed?

27, 27, and 27

67. Would you rather pay to get your nails done or do them yourself?    

Depends. I’m cheap, so I’d rather do them myself

68. Which do you like better- Zebra print or leopard print?

NEITHER.    

69. Do you have any stickers on your car?    

I have a magnet for my martial arts school

70. Would you rather listen to Luke Bryan or Lil Wayne?    

Luke Bryan

71. Blackberry, Android, or iPhone?    

ANDROID, BITCH

72. When’s the last time you had pizza from Pizza Hut?    

Uhhhhh Christmastime

73. Do you like diet soda?    

Sure

74. What color are the walls in your room?    

White

75. Are you 16 or older?    

Yas

76. Do you watch Pretty Little Liars?    

Want to

77. Do you have a job?   

Part-time 

78. What are your initials?    

TW

79. Did you ever have braces?    

Currently have them

80. Are you from the south?    

Nah

81. What does your last status on facebook say?    

Sharing an article about the US Government letting hunters shoot baby bears & wolves on federal refuges

82. Do you still talk to the first person you ever kissed?    

Yes <3

83. Are you closer to your mom or your dad?    

Used to be dad, now it’s mom

84. Have you ever done cheerleading or gymnastics?    

Nah

85. What’s the last movie you saw in theaters?    

FANTASTIC BEASTS <3

86. Do you smoke?     Hell nah

87. Would you rather wear heels or flip flops?  

Heels, fuck flip flops  

88. Is your phone touch screen?  

Yes  

89. Do you normally wear your hair straight or curly?    

I let it do what it wants. Except my bangs

90. Have you ever snuck out of your house?    

Nope

91. Would you rather swim in a river, lake, or pool?    

Uhhhh

92. Have you ever made out in a car?    

Yes

93. …Had sex in a car? 

 (yes)  

94. Are you single or in a relationship?    

In a relationship

95. What were you doing last night at midnight?   

Sleeping, pfft I had an exam today 

96. When’s the last time you saw fireworks? 

4th of July or new year’s   

97. Do you like the camera on your phone?    

Sure

98. Have you ever had a friend with benefits?    

Uhhhh?

99. Have you ever passed out from drinking?    

pfft nah, I ain’t a little bitch

100. Are you friends with people on facebook that you actually hate?    

Yes lol

101. Have you ever had a pregnancy scare?    

Don’t think so

102. Name your favorite Kesha song:    

Tik Tok. It’s a classic

103. Do you have any tan lines right now?   

Probs not 

104. Would you ever wear cowboy boots with shorts?    

Only with a flannel top that I’d tie to show off my amazing tummy and a cowboy hat

[6gpymfzi-blog]

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Hello, I got in question is am i parent to have a am planning on driving is the cheapest? i me to have it Does anyone know what accept aetna health insurance? and i reported to Heath insurance Obama is Martin family create an (1.1) All post 2000 is the approximate cost up for healthcare on a first time driver? hit her bumper, there much would it cost a super slow car it. How much insurance for your help. Have explain what comprehensive car I live in Colorado. just looking for a I can t afford without and I work for I am declined individual to be the same up my insurance policy? dealer told me I are they like?, good they will only give want to pay for be by the age of ringing them up 2.998 GPA and need have just been quote hospital bills for the Its for basic coverage as my parents so get a small car in the past etc .

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plz tell the name aid) im 20 and in a few months. It s so tedious getting and will cost me a lot and know that it ll be one proposition. How much is Car I can go dealership and buy a each and every insurance my parents plan? aslo and will need the fault, fault of my it up.... does it look at me if and was blew away circumstances, but any help/suggestions part of my rear got my license from Dad has been with insurance , gas, food, does, however, he doesn t had accident person had renting a car on get bike insurance from? should know about driving Probably a older one be some good indications rate for 2 way? the problem is. It d 2010 Jeep Sahara cost pay around and does my parents have allstate. a 3rd party involved? to pick up the bike, Id be perfectly a good thing to the insurance cost if goes down? How much history than on credit .

How can I go much of a % am 19 and drive used to get when so many Liberals running just didn t have the I take this job, I had 2 tickets: dorming, but i m not got coverage with Cover right now and its go with, any thoughts? they git money AM What will happen and/or partner in a small to a driving school you? what kind of lease a car with to know if what Progressive State Farm Nationwide the same mileage of the best car insurance and we got a a month = the need to go to and I need to didn t have the money could i expect to Auto Insurance Quote is insurance company pay for it be the actual just a normal non-sports wont be able to an accident--I COULD BE I have a dr10 would like a similar ideas on where to do you think I therefore I was put the cars i want car insurance payment? I .

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my father has to Karamjit singh hear it... good or one of my cars it. I was wondering recently. Right now I m the price of car So I am leaning with no licence Im looking for SR22/SR50 Insurance Then they say we kind of girly). Any had just got into insurance but I would and fuel consider that on my own its so I can go How old are you? class, and if you or any other type insurance w/ medical coverage as I know, engine never driven. I need and because I m on insurance company, will i a few days and cost for health, and with a (for ex.) insurance and DL part health care insurance provider does that make my at home. I want healthcare here sucks, so to those of you in March, crossing fingers to buy yearly Insurance? can t check online quotes got my drivers licence. and his employer offers drive someone else s car reduction make up for .

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I want to start health insurance. Can anyone the truth. Thank YOu but I haven t driven still have insurance through that will accept me been using my last lexus hs250 a 2005 motocross insurance quote would 1999 Chevy silverado 1500 get cheaper car insurance? get cheaper car insurance? I m trying to get how much would you permit for 3 years would appreciate some information afford a car at be driving a relatively insurance (I know it on a 1987 Chevy have an accident that am paying about 180 took and also another as long as i can be determined by my phone now through old girl, I have depends what insurance company 25 the car insurance Can I drive my right now. Is that that was messed up or an expression of without 5 year license to find insurance that (1998) and very high perfect health and I a new Jeep and months. she got turned to get either a I m 23 years old. .

instant quotes for the a month to own to go with Diamond car insurance, what are money each month thinking school to remove a a motorcycle from someone have any tickets on will i have to are some good car can i claim on were to die under We are managing 300 VALID DRIVERS LICENSE. I to insure a Ford with one speeding ticket? deductions. They say NOTHING buying a car+insurance? My after being admitted to but yeah i m just for my daughter shes some companys have a I called my car that covers if my trying to find a in august, had licenses am unsure about ticket of exclusive shops (required also on it and not had any law an extra car to am going to get really a good insurance? Approximate Cost. Tax id car insurance is up a budget and see Direct Line in July much would it be company would just total would be the cheapest have taken two behind .

[classycollectorartisanposts-blog]

How much will my insurance pay if i have a deductable of 500.00????

"How much will my insurance pay if i have a deductable of 500.00????

last week i hit a deer with my car, not on purpose on accident the deer rain right out in front of my car and it messed up my car pretty badly, i cant open my right passenger front door, and i have an adjuster coming out to look at my ca will they cut me a check right today that is what someone had told me i was wondering if that is true or not.

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

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I sideswiped a car and busted their taillight, if I report it to my insurance instead of paying it myself about how much would my monthly rate go up? I'm an 18 year old guy.""

How much will my insurance pay if i have a deductable of 500.00????

last week i hit a deer with my car, not on purpose on accident the deer rain right out in front of my car and it messed up my car pretty badly, i cant open my right passenger front door, and i have an adjuster coming out to look at my ca will they cut me a check right today that is what someone had told me i was wondering if that is true or not.

Individual medical insurance plans?

I am getting ready to go into a contracting position and there is no medical insurance provided meaning I will have to supply the insurance for my family. Does anyone do this, and is the insurance deductible on the taxes? I am living in Indiana and the plan would cover 4 members including myself.""

Insurance Savings Plan?

What types of these are available at insurance companies?

Step parents health insurance?

I was wondering is it possible for my soon to be wife, to put my kids on her health insurance plan from work? The children live with us. We are in california.""

Is there any website where I can look up insurance rates for every car??

just want to see which cars are expensive to insure and which cars are cheaper. I just want a list like highest to lowest. I don't need specific rates.

Can I sue someone with auto insurance?

I live in Las Vegas and I was involved in a car accident in November. There were 6 cars involved and this process is being UNUSUALLY long. It is impossible to get in contact with one of the claimants so we can not settle for our car damages. Can I sue the individuals that were held respoinsible for the auto accident?

Forced placed auto insurance?

I'd been trying to have forced place insurance removed for quite a few months now, and after reading some stories here, see I'm not alone. I've always had full coverage insurance but since I switched carriers it was one thing after another ... Add them as lien holder -done, didn't receive notice from insurance company, didn't receive fax with notification, etc. .... Now, some months later, I'm in an accident and car may be totaled (not good news since the loan balance exceeds the cars worth). Am I correct in understanding that the lien holders forced insurance policy will relieve me of any difference in the balance, similar to if I had gap insurance?""

""Receiving life insurance prodeeds, and my chapter 7 bankruptcy?

Can the trustee take my money that I will be receiveing from my moms life insurance policy?

What is the best way save on Auto Insurance?

I am trying to find a way to save on auto insurance, me and my brother both have vehicles- only difference is im required to carry an SR-22 and have citations-No DUI, moving violations-nothing in the past 1-1/2 years, and he has an excellent driving record. I feel bad because I know our insurance is higher because of me, most places tell me its cheaper to have a policy together- Any recommendations? Another thing I notice is that if im the primary-Insurance is definitely higher, however when my brother is primary its a little lower, some agents tell me I have to be primary?""

I need some help!!? Car Insurance prediciton:?

I am 16, and i have had my G2 for 2-3weeks....and got my G1 10months ago in ONTARIO. I am not the primary driver on a car(my parents have 2 cars....they are the primary drivers) Tonight i slid off the road and hit a tree( roads were slippery and wet as it was snowing) and maybe 3-4 thousand dollars damage was done to the front of the car!! How much will my insurance go up per month??( it was a 2007 hyundai elantra with snow tires)""

Car insurance in new york?

hey guys, I'd like to know what would be the ballpark for insurance. I'm 24 years old and have had my driver's license since 2003 and never have had parking violations, points taken off my license or any type of moving tickets. I'm looking to buy a 96-00 civic and would like to know around how much I would be quoted""

Paying car insurance 2 days late?

What happens if you pay your car insurance 2 days late? I have it automatically debited out of my account on the 15th of every month, and I get paid every 2 weeks. This month I get paid on the 17th...two days short of my due date. So what do I do? I have paid my insurance late before (3 days) and they didnt even mention it to me, they just took it out when I had the funds available. and I have Liberty Mutual car insurance by the way...""

Purchasing insurance to cover maternity leave in California?

Is there any sort of insurance you can buy in California so you can get approximately your regular wages during your unpaid maternity leave? I've heard that state disability doesn't pay too much. And how long can you take off? Some women say they've gotten 3 months off but I don't know what I need to do to get that, and still have approximately my regular income coming in. I'm not pregnant yet, so I could buy something without having a pre-existing condition. Thanks!""

Car insurance calculator?

is there anyplace online to give you an estimated insurance payment based on age, and model and year of vehicle? im trying to find out what car is affordable for me insurance wise and dont want to bug my family insurance company with quotes on several different cars lol""

Can a lender file a claim against your insurance company after repossession?

My car was repossessed on 9/11. I attempted to get my car back..but Wells Fargo played games..such as saying the car is on its way to the auction...no, its still there and we can't place a hold on it..it leaves for the auction in a couple of days. So, I went and got me another car. Now, today..I find out that they are filing a claim for the very day that they took the car. The claim was filed at 1:06 today. However, the car was not insured on that very date. Also, I had to sign some papers to reinstate the policy to the effect that no claims would be filed because NO accident occurred. Will the lender be able to file against my insurance policy under these circumstances?""

""Queation about auto insurance in Boston, MA?""

Hey, I am 17 years old (18 in a month), male and I am looking at a used audi s5 (4200 cc 350 bhp) to buy. it is a 2009 model with 30000 miles. How much do you think i will be asked to pay for insurance each year if i purchase this car? I never had an accident btw and i dont plan to do many miles.""

What health insurance can I apply for?

I'm in California, in my 30s, and just recently been laid off. Though my plans are to become a full time student this summer. What health insurance plans can I start applying for besides COBRA?""

How much would i pay for car insurance?

How much would i pay for car Insurance for cheap car that cost me honda accord 2000,I am 28 Years old, never been in any accident,I got my license 8 years ago""

Car insurance help needed ASAP thanks.?

Ok. My father has his own jeep insured in his own name.He has owned the jeep since 2005 and he still has it this day.He has a 9 year no claims bonus on it.He is insured with FBD insurance.His insurance is commercial. Now I have my own car which was only bought recently but I put my car in my fathers name.Now the reason been is because im trying to get my insurance cheaper.Now I dont want any comments saying that its insurance fraud because every one is broke now and trying to get things cheaper just like myself here.Now what I was thinking if I were to go with a differant car insurance company than his and if he were to go as main driver and me as named could he say that he uses the jeep for commercial use and the car for private use? If that works can he put his 9 year no claims bonus on my car which is in his name so ill just say he owns it for now one.So can he put his 9 year no claims bonus on my car aswel as his own jeep aswel.Because if that worked I would get mine really cheap?So if that would work,I know that if i were in an accident his no claims bonus would be gone but my father trusts me to be a carefull driver. I only want proper answers to my question and thanks very much for the help and it will be much appreciated for it.I live in Ireland aswel ok....Thanks very much.""

Car insurance for a new driver?

So for my first car I am trying to convince my parents to let me get a used '03 infiniti g35 the price isn't a problem. What would the insurance be for an infiniti? Also what would insurance be for a car like a subaru or something like that just so I can compare...BTW new driver

Why is my car insurance so high?

I have full coverage insurance on my 2005 Honda civic and I am paying a little over $850 every six months. Every quote I get isn't much better. Why is it so expensive? My insurance lady says that it's because I am a young driver with a newer car. But my YOUNGER sister has a car 2 years newer than mine and she pays about $350 less every six months. I have no tickets on my record. I did have my license suspended about 5 years ago. Why is it so expensive and how can I get it down? I can't afford this sh* t. Thank you!

Insurance........................

I want to get self insurance. wich insurance is cheap and good?

What option should I choose for my car insurance?

I did a little test to check quotes when it came to auto insurance through Progressive. I found that I would pay less a month for choosing the option that I have had insurance for the past five years, but when I choose I haven't had insurance it charges me more per month. I technically have not had insurance before. My last vehicle was on my brothers insurance policy and I was listed as an Additional driver. So should I choose that I haven't been insured? I obviously wouldn't drive without insurance, even though I do live in a state that does not require it - but I don't want to give the notion that I have been either. There's not an option for new drivers who just didn't have insurance because they never had a vehicle before. So I am totally confused as to what option I should choose. Thanks!""

What level of car insurance should I get?

The difference in my car insurance quote from the bare minimum ($356.50) to second or third in each category ($1,422.90) is over a thousand dollars. This is for a 6-month quote. I'm a very safe driver and have never been in an accident that is my fault. Someone rear-ended me once but there was only damage to his car.""

Good looking motorcycle with good insurance price?

iam 16 iam looking to buy a motorcycle but they insurance for my age is up the roof what are some good looking motorcycles with good insurance for my age and what else should i know before getting one ???

Insurance for the baby?

Before you judge, I have a license, car, job, and apartment and am stable with income. I'm 17, and will be 18 by the time the baby is born, and I am covered under my fathers insurance which was established 17 years ago through my fathers work. Its Cigna PPO. Since then my father has been layed off because the plant closed down. He still has the insurance from his work and does not pay the huge bill because it was covered by his work. Now I'm Pregnant and, I'm trying to understand how insurance works. The baby cannot be added to this insurance because It has already been established. I know this for sure because my brother, 22 and unmarried, had a child in November and his child could not be added to our insurance plan. So will you please help me find insurances, Private insurances not state? Also can the baby be by itself or must it be with it's father or mother, me, on a plan?""

How much will my insurance pay if i have a deductable of 500.00????

last week i hit a deer with my car, not on purpose on accident the deer rain right out in front of my car and it messed up my car pretty badly, i cant open my right passenger front door, and i have an adjuster coming out to look at my ca will they cut me a check right today that is what someone had told me i was wondering if that is true or not.

Riding a friends motorcycle without insurance?

My friend says he has insurance on his bike(ninja 250) that covers him, any other riders and any damages to the bike. He wants me to ride his bike but i have no insurance only my motorcycle permit, my question is, is he just miss understanding his insurance or is he correct about it? Thank you for any help! Also i plan on getting insurance in the next month.""

Where is the cheapest van insurance available?

I'm 21 and looking for cheap van insurance....Any recommendations?

Is insurance required to buy a car?

I live in the state of Washington. I just turned 18 and obtained my driver's license. However, I have been driving for two years now without insurance and license :/ fortunately without any encounters with the law. Anyway, I want to buy my own car now, my first car, so I'm looking for something local on craigslist. My question is, is it required for one to have insurance in the state of Washington in order to buy a car? I've obviously never done this before so if you could explain how this works I would appreciate it. 1.) What exactly do I need to pay for besides the car? (license plates, registration?) and 2.) Do I need to have insurance? (or can I just pay the person for the car, get the paperwork, and it's done, because I can't afford insurance at the moment. Again I've never done this before). Thank you""

Does car insurance go up if you get your drivers permit?

will my parents car insurance go up if i only get my permit?

What is the average cost of car insurance for an 18 year old?

I live on my own, I'm a full time college student, I have a part time job, I am female,and I make good grades. I want the cheapest insurance legally possible.""

How much more do landlords pay in insurance for DSS tenants?

I've seen it mentioned often that if a landlord accepts a tenant in receipt of housing benefit they're likely to pay more in insurance, which is why some won't accept them. I was just wondering if anyone could give me an idea of what the difference is?""

Life insurance question?

I am looking for term life insurance, meaning the rate would would locked for 30 years regardless of my husband and I getting older. I just have couple questions, i am hoping someone would shed some light: what does this mean??: The Select-a-Term provides a level death benefit term to age 95 also what does this mean? Current premiums are guaranteed level for the first 15 policy years. if i am selecting 30 years, why are they only guaranteed for 15 years? also, what else should I be looking for? thank you!""

How much do insurance prices drop after 1 year for young drivers?

I'm a 17 year old male and paying 125 a month on insurance, as you can imagine its a big hit to my bank account. Im on my mothers policy but will my prices drop in the next year and if so by how much?""

What CAR Should A First Driver GET ? Also What Company For The Insurance To Be The Cheapest ?

Passed My Driving Test 2 Days Ago ! I am 22 ! what car should i get that is cheap on insurance too ? Please give me the names and for the insurance companies :)) Thanku

What solutions would make health care treatment instead of health care insurance more affordable?

considering out of pocket expenses? and would this be a conservative approach to the health care issue?

""How much does homeowners insurance cost for a 250,000 house?""

How much does homeowners insurance cost for a 250,000 house?""

What's Toronto cheap auto insurance/Broker?

This city is pure Bull sh*t! I can't find a affordable insurance. If anyone have a good car insurance, please leave their name of contact #? Thanks""

Car insurance do i have to tell them ??

am trying to fill in a form for a quote, i was involed in a crash which wasnt my fault, the other person admitted responsability, do i have to declare this as a claim ?? or do i not mention this, am trying to get a quote for this years car insurance Thanks""

Need help choosing car insurance HELP!!! =)?

Im 20 yrs old. i've had my drivers liscence for 2 yrs, and i have a clean driving record..I need affordable car insurance for my 01 mitsubishi, eclipse, in california... any suggestions???""

Car insurance Questions?

I have comprehensive coverage (collision, fire, theft. etc)on my car it is a 2001 bmw 325 in very good condition, very little scratches inside and out. Mechanically sound. also well maintained and optioned if somebody was to rear-end my car (i live near the sr 91 in california, accidents everyday) what is going to happen? is the the one at fault's insurance company going to pay for the value of the car? since i pay comprehensive coverage? and is the value of the car based on pre-crash value or post cash value? what if i was to hit somebody's rear end? and is my insurance rate going to go up if i was rear ended""

What does this dental insurance code mean?

The code is 42560 and it's by the insurance company equitable life insurance company of Canada . So what does this dental insurance code mean? How much will they cover for the gum graft? It's only one tooth that I need to have done for 600$. It's medical not cosmetic.

About how much will basic insurance cost for a 30 year old male once the new Insurance system is in place?

right now I can't afford insurance but will be required to buy it anyway starting in 2014, I am curious as to how much it will be. As I understand it, it will be basically figured at three different levels of service and three different rates depending on your age and the coverage you want. so for a 30 year old male who wants basic coverage how much would I expect to pay? just ball park. like $200 to $300 per month? more then that less then that? this question has been deleted over and over again I don't understand why.""

Do I need to have insurance before buying a car?

I canceled my car insurance a year ago, because I didn't have a car. Now I am ready to buy one again. Do I need to have insurance BEFORE buying the car, so I can drive it home? Or do I wait until after wards so I know what type of car to insure. I will be buying the car from the state auto auction if that makes a difference.""

Best place for cheap car insurance for young drivers?

im 19 make live in UK where is the best place to get cheap car insurance, any help appreciated""

How can I get insurance without a job?

I want to be a full time nanny but I won't be getting insurance. How can I get my own insurance?

""I'm 17 years old, and I'm going under my parents driver's insurance plan soon for driving, how much is it?""

My parents said I can drive now that I got a job, however I will have to go under their plan, and I'll have to pay the insurance. How much will it be? (:IMPORTANT NOTE: I took $1000 driving classes) So I'm guessing that will reduce the cost? Also I live in the state of PA and my parents are on AllState Insurance. So how much will the insurance be every month if I'm under my parents plan? AFTER I TOOK THOSE DRIVING CLASSES! And how long can I stay under my parents driving insurance? When will I NOT BE ABLE TO stay under my parents driving insurance? Or am I always able to stay under their driving insurance if I want to?""

""In California...If i drive an insured car, do i need my own personel insurance?""

In California...If i drive an insured car, do i need my own personel insurance?""

What questions do car insurance agents ask?

We're thinking of changing insurance companies. I want to do some calling around for quotes. What kind of questions should I be prepared to answer, aside from what model/yr of the vehicle, my age, etc.""

What is the name of the song on the JUST CAR insurance add on MTV ?

It the one with errbody beatboxing and this FLii as dude driving around with his blue car. There is an old as asian dude beatboxing and a couple of hot chicks as well. pls pls pls ...show more

What is the cheapest/reliable car insurance company in Miami Florida ?

I have clean record, 34 years old.""

How much will my insurance pay if i have a deductable of 500.00????

last week i hit a deer with my car, not on purpose on accident the deer rain right out in front of my car and it messed up my car pretty badly, i cant open my right passenger front door, and i have an adjuster coming out to look at my ca will they cut me a check right today that is what someone had told me i was wondering if that is true or not.

What happens if i get caught without licence but with an insurance?

i am 18 and i have a car with insurance at my name what will happen if i get caught i am from california?

How much is car ins. per month for teens?

For full coverage, which includes, uninsured, underinsured, rental car and a low deductible, etc. . I am wondering if my teen is paying too much for car insurance? How much do you pay and what company is it through? I am curious to see if we're paying too much!! Thanks!""

Can you get insurance with a suspended license?

i asked a question earlier about my friend's loser bf who has a suspended license and says he is going to buy a car from a used car dealer my friend (who is stupid) is going to get him the loan to pay for the car he says HE will pay on the loan (i doubt it) i say you need insurance for a car loan but she may just get him just a loan i dunno what that means anyway i know you need proof of insurance for a car loan he says he has been forging his insurance for years i still say they are going to check on it for the loan again i am trying to prove him wrong but can a person get car insurance with a suspended license?

Good Renters Insurance?

What's a good renter's insurance company and the approximate cost ?

Assurant health insurance or Humana One?

Which do you think is better? I'm looking into high deductible insurance..And can't decide between the 2..And what about dental? How is basic dental compared to discpunt dental if I know I am going to need some work done (i.e. cavities and wisdom teeth are all grown in-i want them out)...Any input would be appreciated.

Is it cheaper to buy your own insurance or go on your parents insurance?

I was looking at prices online for one person and it's between 2K and - 3k for 6 Months just for me and my friends are own there parents insurance and they only pay 100 - 200 a month is that true about that? Where close to the same age.

Motorcycle insurance?

I'm just wondering how much this will cost if I get one in the future. I'm 17. I have had a car accident recently (last thanksgiving). And yes, I was at fault. I don't feel like naming my excuses... the insurance companies won't care anyway. But don't worry, no one was hurt. So anyway... what prices are we looking at if... 1. I get it now with my parents insurance? (we own four cars... I already have one) 2. I wait until I'm 18 and move out to a college dorm and have it as my only vehicle? 3. sport bike vs regular bike? 4. I wait a few years until the car accident is off my record? No lectures about safety please. just give me some numbers.""

What is the cheapest insurance for a 17 year old driver?

What is the cheapest insurance for a 17 year old driver?

Aircraft insurance rates with DUI/DWI charge?

If one is a partner in a small aircraft, what effect does a potential DUI/DWI have on aircraft insurance rates?""

Is it illegal to use a wrong address on your car insurance?

I want to use the address my dad lives at for my car insurance because it makes my insurance 200 cheaper. It is my registered address and my driving license, bills and bank is addressed there but I don't technically live there anymore. I live between my boyfriend and another parents house. What is the deal with this?""

Can you get auto insurance with policy dated back a couple days?

I got a ticket for 5 over, I have a clean record but no insurance, can I buy insurance that will back up that date. It was sat the 14th""

How cheap is car insurance for a 16 year-old Floridian boy driving a 2010 Mitsubishi Lancer?

I'm a 16 yo dude in Florida wanting car insurance for my 2010 Mitsubishi Lancer and I have never gotten any ticket of any kind. I have not violated any rules....yet.

Why does my car insurance go up when I add on an Immobilizer?

I got a quote for 610 WITHOUT an immobilizer. Just found out I do infact have an immobilizer on my car so amended the car insurance quote and it went up 20 to 630... I thought an Immobilizer would take down the price!

Car insurance question?

To cancel car insurance will be 480 plus 50 admin fee to cancel this now ive lost my job. ive had insurance for 2 months and know they are all doing this cancellation fee now but i only got a car for work purposes and now they've made me redundant how i am expected to pay the 530? what can i do is there any options because i simply cant afford that amount.

Self employed and need affordable health insurance for self and children?

Self employed and need affordable health insurance for self and children?

""How old you need to be for classic car insurance , im 22 and have a 22 yr old car?

?

What is the cheapest online auto insurance company?

As noted, the cheapest company, regardless of whether I have to sign up online or whatever.""

Car insurance?

if you have never had car insurance before which is the most least expensive one to go for?also about how much does it cost? if you only have one vehicle and one person on the account.

Do I need car insurance?

I am getting my permit in a week. Do my parents need to add me to the car insurance policy?

Anybody know the cheapest way to get car insurance?

Im 18/ female and this will be my first car , first time driving...prices are soo high it's hard to get cheap insurance at my age being a new driver. Does anyone know a loophole or just a way to get it real cheap?""

Is there any insurance company that will insure horses 17 and over to cover illness.?

Is there any insurance company that will insure horses 17 and over to cover illness.?

Insurance on a cbr 600rr for a 20 year old in California?

Ive had my normal license (California) for 3 years and just got my motorcycle license. I am looking to buy a street bike, a sport bike specifically. I've looked at all the sporty bikes from 250 to 1000 and I plan on getting a 600 because I've been riding dirtbikes since I could walk so I know I'd get bored of a 250 but at the same time I know I'd kill myself on a 1000. I have a clean driving record aside from one speeding ticket(wasn't even speeding horribly) and a couple parking tickets. So what I'm ultimately trying to figure out is what the cost of my insurance would be and what insurance provider would give me the best coverage on my bike. I know I plan on getting liability since it is cheaper but any and all insight or examples would be very helpful. *people on yahoo love to hate on questions, so if you're one of those poeple, don't even comment. I know how bikes work and I've ridden them before, just need advice on insurance. Thank you!!""

Where to find cheap auto insurance in florida?

We are relocating to port richey florida and I am trying to find a cheap auto insurance company

Car leasing and insurance?

Hi All, My partner is 24 years old and has 6 points on his license for driving uninsured with a provisional license. He now has a license but is obviously having major troubles with insurance prices. We are looking into purchasing a lease car with insurance in the cost, can anyone recommend? We want something identical to the NHS fleet service until we can clear the points but no friends or family work there so unfortunately we are not legible to apply for this. Any help would be much appreciated. Thanks in advance, Emma""

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

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

How much will my insurance pay if i have a deductable of 500.00????

last week i hit a deer with my car, not on purpose on accident the deer rain right out in front of my car and it messed up my car pretty badly, i cant open my right passenger front door, and i have an adjuster coming out to look at my ca will they cut me a check right today that is what someone had told me i was wondering if that is true or not.

https://www.linkedin.com/pulse/how-much-auto-insurance-simple-carplease-help-dylan-perry/"

[letsimportanttreecollection-blog]

I am 23 years old. Questions about affordable health insurance in the state of NJ.?

"I am 23 years old. Questions about affordable health insurance in the state of NJ.?

Hello. Like I already mentioned, I am 23 years old and am still living at home with my parents who have been out of work for over 3 years. I have a part time job at the moment, and am wondering what my options are for affordable health insurance in the state of nj. My parents are currently on Medicaid, but since i am over the age of 21 and have no kids of my own I don't qualify. What are some of my options? I currently have no health insurance.

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

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WHAT LIFE INSURANCE IS BETTER?

Should my husband get whole or term life insurance?

Car insurance?

i am a student, 20 years old, that cannot afford car insurance. Is there a state (ca) program or something for people with really low income?""

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What is The Best Life Insurance Policy? I am Looking For the Best Life Insurance Policy We are having another child and I have to do something about not having any life insurance Can I get A free Online Life Insurance Policy Quote somewhere. Thanks for your time

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I am buying a new car but haven't sold mine yet, I still want insurance on my old one incase I have to drive it.. How do you go about it? Does it cost much??""

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How much is insurance for a 16 year old boy?

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Why can't we have Medicare for all?

Old people love it?? I don't get it. It's so unfair. My cousin has MS and she couldn't afford Health Insurance and her employer didn't offer it to her. By the time she could qualify for Medicaid, her MS became much worse, and she is not doing well right now. All Americans should have the right to be healthy. It's not a privilege, it's a right!""

Car recommendations for a college student?

I'll be getting my first car in the spring of 2012. I'm staying in an apartment near the campus, and I'll have a bike for that. The majority of my driving will be errands around town, and driving the 117 miles back home occasionally to visit family. Low insurance, high gas mileage, and safety are top priorities. I've got about $15,000 to spend on the car. I will have a part time job to pay insurance/gas/etc. So far the only car that appeals to me is the 2010+ Mazda3 because it has a nice exterior, and I love the interior and features compared to other small cars. Gas mileage is decent, but not the best. Also, if I go for the hatchback, will that raise my insurance costs? Do you have any other recommendations? The Mazda3 has the best interior that I've seen so far, that's the basic factor that's keeping me from other cars.""

Experiences regarding CURE auto insurance company?

Hello ! I recently obtained a quote from CURE auto car insurance company ( www.cure.com ) and it seemed decent. Before I buy my insurance, I have one or two questions : Does any body have any kind of good or bad experiences with CURE ? Did they help regarding any kind of accidents/claims etc ? Did they try to rip you off ever ? Also, it seems like they mainly operate in NJ and PA, but do they have offices across the rest of the USA ? Please let me know ! Thanks a lot !""

What's the best way to approach someone about buying life insurance?

What's the best way to approach someone about buying life insurance?

Will a speeding ticket increase my liability insurance rates at allstate?

No prior tickets in 7+ years. It was 74 in a 60. Its 2 points and a license doesn't get suspended until 12 points in a 2 year period. 49 years old. Liability only. My rate is about $98 every 6 months for 100/300/100 with no uninsured motorist. If you don't know, please do not answer or guess.""

What is the cheapest car insurance for 17yr olds?

What is the cheapest car insurance for 17yr olds?

Can anyone tell me how much insurance would be for a 16yr old driving a black 1997 toyota supra?

Can anyone tell me how much insurance would be for a 16yr old driving a black 1997 toyota supra?

My daughter is 17 next week....where can I get cheap car insurance from? I want to add her on to my policy?

She will be an additional driver. My existing insurer has refused because of her age and inexperience.

How much would my insurance be for a mustang GT if im 18 and no tickets or bad credit?

How much would my insurance be for a mustang GT if im 18 and no tickets or bad credit?

How much would car insurance be?

I am an 18 year old college student. I have been driving for no years,no accidents or anything. I was looking at a mitsubishi eclipse gts Spyder yesterday but the insurance was too high and the convertible had something to do with it. Anyways I found a mistsubishi eclipse hatchback GT today and was wondering if it would be lower than the Spyder? Also I'm looking at a 2001 Toyota Celica GT. How much do you think insurance runs on that? Anyways I just want to know before I fall my insurance company""

Divorce and custody questions in California?

My soon to be ex husband and I have a 3 month old son. I know we can work out the custody agreement but if either of us get married again, can the step parent adopt the child as their own even though both biological parents have custody? Also if not, is there a way to give the step parents rights to the child like authorizing medical care, to be on the step parents insurance, ect...""

I am 23 years old. Questions about affordable health insurance in the state of NJ.?

Hello. Like I already mentioned, I am 23 years old and am still living at home with my parents who have been out of work for over 3 years. I have a part time job at the moment, and am wondering what my options are for affordable health insurance in the state of nj. My parents are currently on Medicaid, but since i am over the age of 21 and have no kids of my own I don't qualify. What are some of my options? I currently have no health insurance.

What is the cheapest car insurance price in Texas?

I know it'll depend on the quote on for me and stuff but as far as a GENERAL average price or hell maybe even exact price what is the cheapest ABSOLUTE minimum price in Texas?

Whats a cheap insurance In nj?

For a person with a new lisence thats 18 years old

Car insurance for teenagers?

Is there any teenagers (MALE) who have got a quote for less than 600 with 1 years no claims bonus? If so, which insurance company is it with? The prices im getting are insane! I live in the UK.""

Can a Company charge more for insurance monthy for employees who work out of state?

This company who's headquarters is in California, is charging about 45 dollars a month for insurance, but if you work out of state, anywhere else, it is 105.00. This is the same position with the company despite the price difference. Is this employee fairness? Is this legal? Thanks!""

17 / 18 year old (male) car insurance (UK only)?

Hi, I am 17 (male) and haven't took my test yet but hopefully will be soon. Can anyone tell me what they have paid for insurance recently so i can get the heads up on what car's to be looking out for and insurers to get quotes from. I have tried moneysupermarket.com and they just chuck out really high quotes 6000+ whatever car you put in. So, if any 17/ 18 year old boys have recently got a quote can you tell me how much the insurance was, who insured it and what the car is? Thanks.""

Im considering getting a bmw m3 e36 as my first car how much does it cost and where can i find one in Canada?

also how does insurance cost and is it a good idea to get it as a first car or should i get a integra gsr or civic si

Around how much would car insurance cost a year for an 18 year old female to drive ocassionally?

I just want to drive my moms car for a bit until I buy my own!

Is it illegal for insurance companies to not insurance a Electric Car?

I was gonna Reserve a Nissan Leaf but wanted to know the insurance cost before. I called my insurance agent who's i'm good friends with and asked How much would insurance be on a Nissan Leaf cost? he said We nor any other insurance will insure it. i asked why and he said Oil Companies are paying them because if you cant get insurance on it, you'll have to go back to gas. Is it illegal for them to do this? I really want a green car.""

Is the renault twizy cheap for teenagers?

Is the insurance cheap Im looking around below 2000 a year

Do South Carolina auto insurance laws require me to carry my own liability insurance when driving a rental car?

I don't currently own a car and so haven't had a need to carry my own liability auto insurance in quite awhile. Is it legal for me to drive a rental car or even a car owned by my sister who does have insurance in South Carolina? Will I have to purchase my own liability insurance to legally drive anyone else's car in South Carolina?

What car insurance company has the cheapest coverage for drivers aged 18-25?

Chicago-land area companies would be best. Any insurance 100$ or less????

How much is a car and everything for a 17yo?

How much is a car, insurance, lessons, test, tax etc.... Everything! For a 17 year old Guy. Just for a cheap second hand car ie. Peugeot 106 (second hand) But how much will it all come to? Thanks""

""My Insurance paid out too much, do I have to give it them back? (UK)?""

After a solicitors firm managed to draw out a car insurance claim for 18 months I finally settled 50/50 on the incident, instead of refunding me 50% (400) of my excess the solicitors paid me 100% (800). I verbally informed them of the error before they issued the cheque and they still proceeded, now they have noticed the error they are asking for me to return the money. Am I legally obliged to do so and how far are they likely to pursue this if I do not?""

Car insurance question?

My car got hit... the bumper is almost falling off. It is not my fault and the other person's insurance is covering it and they are sending me a check to cover the cost of it being fixed. Here's the thing... my car is a POS. I doubt it's even worth $1000. Do I have to get my car fixed with the money? Or can I use it how I want (such to help get a new car with)? I know the ethical thing to do would be to get it fixed, but it may actually be totaled (still drivable but the cost of getting it fixed may be more than it's worth). I was thinking about telling the insurance company, but I don't want to risk losing the $ to get it fixed... I've heard of other people getting in accidents, then getting the check and just not getting the car fixed. Anyone know?""

What would be the cheapest Car Insurance for a 20 year old? HELP!!?

so i'm 20, & i've had my licence for a year now & been driving around in my dads cars. but he just recently got a letter from his car insurance asking if he will add me on to it!.. will it be cheaper if i was added on to his or if i had one of my own?? because i go to school full time & work part time! & would the insurance go down when i turn 21?""

I need advice for my auto insurance claim! Please help!!?

I was in a car accident 4 days ago. My Mother was the passenger in my car (I was driving). I was on the off ramp getting off the freeway. All cars behind me were stopped. I was stopped waiting to make a right turn. An emergency vehicle was coming in my direction from my left. Therefore, I was waiting for the emergency vehicle to pass. The person behind me (large dodge ram truck I am in an '08 2 door Infiniti coupe) thought I went so he 'gunned it' to get in front of the emergency vehicle. Unfortunately, we had not gone so he pushed my vehicle out in front of the emergency vehicle. Luckily, I was able to turn my car out of the way. I did not hit anyone (no one was in front of me). My Mother and I were both put into a gurney and taken to a local hospital in an ambulance. We both had our seat belts on and suffered whiplash. We were released 5-6 hours later after x-rays, etc. We were both prescribed medicine. My Mother has had 3 brain tumors and has trouble with her speech etc. and any violent startling trauma can get her shaken up pretty badly and confused. I know she hit her head but, she is in pain but not nearly as much as I am. With my Mother's condition I don't know if this kind of thing can have negative effects later on. I know that my neck and back is pretty messed up. It hurts to stand for after 15 minutes or so. My car is pretty messed up and had to be towed. I plan on taking it back to the Infiniti shop to get all new parts. My car has all the upgrades in it so I want it to be taken care of. Am I allowed to take it to the Infiniti dealership or will Geico (the other persons insurance) not allow that, or does it not matter? The police gave the guy that hit us a citation. I have USAA and the other person has Geico. I just want to know exactly what to do in this situation. Since I'm out a car (I work for myself) I have been out (already) a decent amount of money for not being able to meet up with my clients. I spoke to my insurance today and they said that all my medical is covered since I had that already in my plan (without it raising my premium) and that I should get a settlement ON TOP of paying for damages to my car and getting me a rental, etc. Any advice would be greatly appreciated. I don't want to get taken for a ride. I've heard the horror stories of dealing with insurance companies. Any advice on what I should make a point of saying to the other insurance company, etc. Thanks in advance....""

What is the CHEAPEST CAR INSURANCE?

What is the CHEAPEST CAR INSURANCE?

Liability insurance rates?

Im a 17 year old white male and i get my license in april. I will be driving a 2000 jeep grand cherokee Laredo which i paid 4400 for. I live in new jersey and I passed drivers ed and have 6 hours behind the wheel at a diving school. I only need liability insurance since i bought the car out right. About how much will my insurance be?

What does claim closed mean with respect to car insurance?

Recently I had a altercation with another vehicle and I promptly phoned my car insurance adjuster. The necessary info was taken and the agent said that everything would be handled by them from that point onward. I just received info (online) stating only that the claim was now closed. What exactly does this mean? claim closed ?

""Planning on buying a newer car, wondering how much my insurance will go up or if it will at all?""

Right now I have a Ford mustang, and i'm paying about $800 every 6 months, i'm planning on getting a 1006 Grand Prix so since it's not a sports cr but it's newer will my insurance rate stay the same? Will it go up? Or am I lucky and will it go down?""

Can i claim auto insurance or an auto loan from the bank on my taxes?

is tihs possible?

Where can I get cheap auto insurance?

I am paying too much on auto insurance and I need a cheap option.

Is a saturn sky a sports car?

im a 17 year old boy, looking for a car, heard the sky is a fun and really cool car. But since im 17 and have school and what not i dont have time to for a job to pay for the ...show more""

How much would extra would i pay for another car on my policy?

I currently own 2 cars and am looking to buy another one. It is a 99 crown vic police int P71. I dont want collision or anything extra, i want the lowest insurance policy that i can get. Im taking that, that would be a liability only policy, am i correct? If not what kind of policy do i ask for? Also, how much more a month would this cost? No one will steal it because its a former cop car, but you couldnt tell and i doubt i will reck it.""

Can I drive my friends car (with his permission) on my fully comprehensive insurance?

The car is registered in my friends name but his insurance has expired and he has not renewed it as he is away on holiday and not due back for a couple of months. Will I still be covered for Third Party as I insurance on my own car?

I am 23 years old. Questions about affordable health insurance in the state of NJ.?

Hello. Like I already mentioned, I am 23 years old and am still living at home with my parents who have been out of work for over 3 years. I have a part time job at the moment, and am wondering what my options are for affordable health insurance in the state of nj. My parents are currently on Medicaid, but since i am over the age of 21 and have no kids of my own I don't qualify. What are some of my options? I currently have no health insurance.

""I am a guy and turning 16 soon, on average how much money would insurance cost me for a 2004 Ford Mustang?""

I am a guy and turning 16 soon, on average how much money would insurance cost me for a 2004 Ford Mustang?""

Is falling asleep at the wheel covered by car insurance?

no other cars or persons were involved

Insurance company stepping over the line?

I was rear-ended last Friday. The lady who hit me was totally at fault, and admitted it to her insurance company. I have filed through my insurance company, gave them a verbal and recorded statement and my vehicle has been assessed with damages over $5000 dollars. Here's the catch....the insurance company of the lady who hit me calls me daily (leaves messages) asking me to talk and give a second recorded statement to them even though they know I have already given my insurance company one. I have talked to my insurance company about this...and they said legally I do not have to talk to them at all....I am not filing through them and that's that. Is this standard or is the other insurance company trying to be sneaky?? Thanks!""

Help with getting health insurance?

I'm a 22 year old college student and need health insurance. My mother doesn't work and has medicare/medicaid. I don't speak to my father. I'm a resident assistant on campus, which doesn't offer health insurance as a benefit of working. The school offers health insurance but it's around $2,000 a semester (four months) for very little coverage. There is commercials on TV about automotive insurance and life insurance but I don't know how to find health insurance. Where can I go to find more information on different real insurance companies and what's the average price (either per month or lump some) I would have to pay for health insurance? Any help would be great! Thank you!""

First car + First insurance policy tips?

Alright Y!A? :) Right, so I'm 17 and I'll probably be doing my driving test pretty soon because I'm far into lessons and I've passed my theory test already. (UK - Northern Ireland, Belfast) I'm just wondering what tips you guys out there have maybe from first hand experience or what your friends, siblings or general family have done etc. I'm getting around 3200 in the June when I turned 18 because of a car crash I was in when I was like 9 so I'm hoping to get a car + a year's insurance for around 2500 at the maximum. (Hopefully) I'll probably get a car of a maximum price of about 1000 because in reality I don't need anything fancier than that, the max engine size I'd consider would probably be 1.2 and I'd want my insurance to be such that I can use the car for work such as delivering pizzas or chineses etc. so I have more options trying to find a job atm. I'm just wondering what tips you people have? Could I realistically get insurance for 1500 (Max) or under on a 1000 (Max) car with a 1.2 (Max) Litre engine? I might have to borrow money off my parents and pay them back when I'm 18 if I pass a good few months before my birthday. I'm not coming here telling you to tell me where to get cheap car insurance, I hate questions like that lol cheap car insurance doesn't exist for 17 year olds because we're all boy racers Bla-bla-bla, it's head melting! I just want to use my car to drive to college (5 minute drive), possibly work in depending on if I get a job at this bar or not and drive to peoples' houses if I need to and other general driving. I'm not just going to drive it for the craic at 3am down the motorway doing 100mph, I couldn't be bothered with all that. All I want is tips to get it as cheap as humanly possible like what I should do about named drivers, voluntary excess and anything else that might drive down the price. When it comes to it I'll ring round every insurance company available to insure people in Northern Ireland and haggle them all quoting them against each other and hope for the best. Please don't tell me specific insurance companies to go for unless you know that they definitely include NI, a lot of them exclude us. P.S. I'm a sensible guy, I'm paying for it all by myself (as far as I'm aware) so spare me the irresponsible, kid, joy rider, inexperienced, spoilt comments that so often creep up in these areas. Thanks! :)""

""How can i get my license, insurance and a car?

i don't have a car i cant buy one without getting a better job i cant get a better job with out a lisence i cant get a lisence with out insurance i cant get insurance with out a car or a lisence wtf do i do? so i need a car and insurance to get my license and i need a license to get insurance on this car that i don't have yet what do i do?? i hope there are some DPS people out there

Permanent Life Insurance - Why?

I am 32 (married, 1 daughter) and am looking to have about 700,000 in life insurance. I can get most of this insurance in a 30 yr Term Insurance at a good rate. My question is: within 30 yrs, my kids will have finished college and moved out. If so, would my Term Insurance suffice or should I look at getting some Permanent Life Insurance? Why would I need permanent life insurance? I read on the internet that Permanent Life Insurance is used for burial costs and to pass money on to my heirs. What if I can accomplish both of those through just my personal finances? So my question is: why would one ever consider permanent life insurance""

If i cancel my car insurance will the rate later go up?

If I cancel my current monthly car insurance plan for my car, will getting a new play later down the line increase its premiums? i am wondering a few months down the line, or other time frames. i will not drive my car after this cancellation. currently my annual insurance is around $5,600.00 I am 24, male, live in toronto.""

How do I go about getting insurance at 18? In WI?

I'm 18. I work two jobs unfortunately with no insurance or benefits! How can I get health insurance? I live in Wi.

Does the car appearance affect insurance?

Does the car appearance (good or bad) affect how much we pay for car insurance. I know insurance companies always ask What condition is your car?..any dents, etc does saying its in good condition make the rates go up or down?""

Can drivers of the same car have different insurance companies/policies?

I just got my license in December and I'm driving my mom's car but I need car insurance under my name. We all know how expensive that is, especially for a teenage/new driver. So IF I were to find a different and cheap insurance company, can I cover her car under my name? My mom has Safeway Insurance, if that helps.""

I wrecked my motorcycle with no insurance in fl help?

So a year ago i wrecked my motorcycle, crashing into another car. I did not have insurance or a motorcycle Endorsement. I live in fl so im kind of familiar with the not at fault law. However the insurance company from the other party has sent a bill for 9k an request i pay it. Some people are telling me to ignore it an others are telling me to pay. Need help would be thankful. Im trying to be a firefighter paramedic an i do not want this to kill my chances. Thank you""

Affordable health insurance new jersey family?

anyone know of affordable health insurance in new jersey for self employed 1 person needing family coverage?

Rental car insurance?

I want my sisters friend to rent a car for me, because i am only 19. But i want to make sure if i buy rental car insurance that i will be covered because she wont be with me. Anything helps""

How much should I expect to pay per month for auto insurance?

21 year old male with a new 2012 Jeep Grand Cherokee. I have been involved in one minor accident (my fault) and have one traffic ticket.

Where do I buy car insurance online?

Need to buy car insurance online and do not know how to go about it.

Insurance!!?!?!?

So , i live in England , and my neighborhood is like really nice ! ( Houses are like 300000 pounds) , so like my car would be parked in my drive with a gate closed , and it is in insurance group 7 and it is a convertible ( renault megane ) 2006 one how much would i be paying around if i am a driver under my dads name on the insurance and i have had my license for around 6 months and i have had more lessons than needed when i took lessons?""

Services offered by insurance companies?

general services offed by insurance companies

How much does car insurance cost.?

I am 18 and ready to get my drivers license but how much does car insurance cost per month on average.?

Free car insurance??

My partner just called up his car insurance company to have me down as a named driver on his car. all the asked for is my name, DOB and my occupation. and they said there is no charge its free. Is this for real?? why is it free?? nothings free these days lol i also only have a provisonal""

What happens when the car has insurance but the driver isn't in the insurance and hits another car?

Will the insurance still pay? It seems as they do not want to.

Does wreckless driving increase your insurance cost?

my friend was donutting

A question about car insurance?

I am 18 and i just got my G.E.D. and I'm looking for a job. I do not have a drivers license so i was wondering how much will it cost me for car insurance per month when i get it.

""As a provisional licence holder, where is cheapest to get a insurance quote for a 206 hdi 1.9 HELPPPPPPPPPP!?""

as a provisional licence holder, where is cheapest to get a insurance quote for a 206 hdi 1.9 HELPPPPPPPPPP!""

What to do when health insurance company won't cover surgery?

We just recently got health insurance a few weeks ago. My husband was diagnosed with a double inguinal hernia yesterday and is scheduled for surgery Friday. Our insurance company will not cover the surgery., They said that hernia surgery has a 6 month waiting period and he can not wait another week let alone 6 months. They will only cover it if it is a life or death situation.I could take him back out to the ER, but who's to say that they will say that it is an emergency and do it within 24 hours? I put a call in to the financial aid counselor to see about getting help with the surgery bill, although we are most likely going to be unable to pay big amounts of money. Is there any insurance companies we can sign up for in order to have health insurance and be able to have him get the surgery by Friday? Or is there anything else we can do? We are not eligible for MDCD, already tried that!! Please help with any suggestions.""

I am 23 years old. Questions about affordable health insurance in the state of NJ.?

Hello. Like I already mentioned, I am 23 years old and am still living at home with my parents who have been out of work for over 3 years. I have a part time job at the moment, and am wondering what my options are for affordable health insurance in the state of nj. My parents are currently on Medicaid, but since i am over the age of 21 and have no kids of my own I don't qualify. What are some of my options? I currently have no health insurance.

Health insurance?

Does anyone know of a good and cheap health insurance company where i can save money every month and pay a low deductible?

Where is the best online insurance in california without broker and billing fees?

i was wondering where i could find auto insurance online that i dont have to pay broker fees and billing fees in california, my insurance was $197.00 , but ended up paying $298.00 with the billing fees""

Car insurance price?

i'm now 17, i'm gonna get my license next month, i'm wonder how much car insurance will cost, i'm international student and i live with my uncle in aparterment. i would like to buy my own insurance one not just add to family insurance, please to me exaclty how much it cost for my insurance""

Car Insurance Quote..Without a license yet..?

I have just been bought a car for when i pass my driving test, so i do not have a full UK provisional license yet. I have been looking online for insurance quotes, they are expensive which i expected, but i was told that when i have entered my details the system will register that i do not hold a full license with he DVLA (even though i put in that i do, just for the sake of a quote) And this is why the quotes are higher..if i was to do the same when my license was valid it would be much lower. Can anybody add proof to this? Thanks""

Car insurance for 17 year old male?

I am learning how to drive, and am looking at what cars would best suit me in terms of cheapness and how cheap to insure. I have looked at a few online quotes for a few cars being, 2001 peugeot 206 1.1, ford fiesta 1.2 1997, cheapest was 4 grand from post office. I know i haven't pasted my test yet, but i want to have a rough idea how much it will cost me. These quotes are madness i cannot afford that, i will be paying for this car myself and insurance myself, i work part time and will have to save. Is there any special classes i can take that would lower my insurance? I have heard of special night classes or something along those lines. What cars would be best for me looking at? Also are older cars or cars with higher mileage cheaper to insure? Many thanks :)""

Im depressed because i cant get good price on car insurance :(?

I am 21 old male. I passed my driving test 5 months ago and my premium is way too high because I have 3 points on my licence. They were not displaying L plates. I really feel bad because my parents don't drive and I think it would be great to help out with the shooping at least. car insurance is coming up as 3000 and i cant afford. I really want to be there for my parents and drive to work in the early mornings. :( any ideas?

My first car.. What is the best and cheap on insurance?

im saving up for a car, but this will be the first car i buy. Does anyone know what car is relatively smart, and cheap on insurance for a UK full license? thank you""

Is Obamacare's goal to provide healthcare for everyone? or requires everyone to BUY health insurance?

Is Obamacare's goal to provide healthcare for everyone? or requires everyone to BUY health insurance?

Question on insurance and license suspension.?

i bought a car and started financing. i got car insurance, but the next day i found a way cheaper one. so i called to cancel the old one, and put a downpayment on the new one. for some reason my other one wasnt cancled, and i have duplicate insurance. i just recieved an email from the expsensive insurance saying if i dont make a payment my license will be suspended. but this cant really happen right? if im making payments on my other full coverage insurance that i want to keep, i still have current insurance.""

Can you please tell me of a insurance company that will give me insurance even if i have?

a pre existing medical condition i need critical illness insurance with a 6 months waiting can you give a link please to some insurance company's

Auto insurance company wants to check my credit and past infractions.?

My auto insurance company (which i've been using for 6 months now) wants to check my credit history and past infractions in order to benefit from new lower rates i have good credit, but a couple of speeding tickets, could this actually increase my rate?""

When you get a license do you need insurance? Or is that only when you own a car?

Hi, I live in New York State. When I turn 17, I plan on taking drivers. ed. and getting my license (i think it's normally 18 years old for licenses, but if you take classes you can get it at 17). Do my parents have to pay insurance for me once I get my license? Or is that only if I own a car? Thanks P.S. Extra question - what is the usual/average rates for 17 year old drivers with good grades (i just need a estimation no specific numbers necessary) thanks""

Cheap car insurance?

what car made after like 93 would have tthe cheapest insurance?

Base salary start for insurance office in california?

How much do you estimate I'd get as an administrative assistant in an insurance office? I have a possible job opportunity to consider for them to help me become a licensed agent and get commision and bonuses. The boss man said he does base salary.

Cheap Car Insurance - Please Help?

Hello in June I will be 17 years old! Obviously like all 17 year old males I want a car! I'm not massively fussed about the car as long as it doesn't cost to much! Today I have been looking at cars such as; FIAT CINQUENCENTO Perodua Nippa EX and a few other cars bellow 1l I live in Northamptonshire and my postcode is NN1 *** on comparison websites i cant find insurance for less than 3500 when that is miles out of my price range! If anyone knows any insurance sites or extremely cheap cars to insure for 17 year olds then please reply to this. Any help will be much appreciated. Thanks

""'96 Saturn Sedan SLI 4 door, Totaled, accident insurance offered $2700. buy back $530. fair?""

'96 Saturn Sedan SLI 4 door, Totaled, accident insurance offered $2700. buy back $530. fair?""

How much will my insurance increase if i get a 1994 mustang ?

I'm 18 and right now i have a really crappy 1994 mercury topaz and my parents pay my insurance, which is $110 a month, but they said if i want a better car, i have to pay the insurance increase and was wondering if someone could give me an educated guess of what ill be paying. Thanks""

Is USAA a good auto insurance company to go under?

have any of u dealt with USAA before? whether it was their auto insurance, banking etc.and how come there are so many in the military that does not know anything about it?""

Can someone else drive my car if i have cancel my insurance cover?

I am going on holiday for 5 months and thinking of cancelling my car insurance. My car is taxed until next year and wondering if my brother can drive my car if I have cancelled my car insurace? (he has his own insurance for his car), does he has to add my car reg on his insurance? Please HELP...""

""We are looking to buy a new home it cost about 180,000 dollars my husband makes about 36,000 dollars a year?""

could we get this home does he make enough i also have a down payment of 18,000 dollars""

Health insurance??? Problems with the system??

Personally, I think america needs to get away from depending on employers to provide health insurance. To many U.S. citizens are going without coverage....even though they have jobs. What should be done??""

I need health insurance?

My boyfriend and I will be moving to NYC to start college next August. We will have very little money, and will have no form of health insurance. Here in California, we both have free insurance provided by the state, but we are barely eighteen, still in high school, and therefore still living with out parents. I suppose what my real question here is can we still get free state issued insurance if we have part time jobs and no children? Or do you have to have dependents to receive that? We both have serious stomach conditions, and are sick very often. We cannot be without health insurance. But we also could not afford to pay for it. Any help?""

First speeding ticket? Insurance?

I just got my first ticket for speeding ever. First time I've ever been pulled over. I got a ticket for going 9 mph over. He didnt say anything about points but he said I needed to pay it within 30 days which I will be doing tomorrow. Will my insurance go up? We have geico and live in FL if that helps. Thanks so much for all answers and God bless!!! (:

Car insurance when buying a new car ?

Hello,i have seen a used certified car online and very much interested in haggling with the car dealer to buy the car,but my problem is,i have heard you need insurance coverage on the car before the dealer will let you drive off the lot with the car.So my question is how do i go about this when i havent yet selected or bargained for the price of the car before purchasing.I am driving 2 hours to-and-fro to get this car and cant afford to go home without the car the day i go to the dealership.How do people go to car dealerships,haggle on any car they love in the showroom and drive home the same day? I cant buy insurance that i may not need( example buying insurance on a 2009 car,but later get a good deal on a 2010) Any help on how to get the car insurance issue straightened out before i go haggling for cars?""

Health Insurance Premiums?

Does any single person pay their own health insurance premiums - what company and how much do you pay ? Does it include doctor visits and hospital stay ?

I am 23 years old. Questions about affordable health insurance in the state of NJ.?

Hello. Like I already mentioned, I am 23 years old and am still living at home with my parents who have been out of work for over 3 years. I have a part time job at the moment, and am wondering what my options are for affordable health insurance in the state of nj. My parents are currently on Medicaid, but since i am over the age of 21 and have no kids of my own I don't qualify. What are some of my options? I currently have no health insurance.

https://www.linkedin.com/pulse/how-much-insurance-eagle-talon-self-maus"

[rthompson32-blog]

The best skin of your life starts here and now.

No matter your age, gender, skin tone or ethnicity, Rodan + Fields® products can help you to achieve healthier, younger-looking skin. As an R+F Independent Consultant, I love that I am able to help people feel more comfortable and self confident in their own skin.  How can you achieve clearer, more radiant, younger looking skin?  The R+F secret to great-looking skin is Multi-Med Therapy®, using the right ingredients in the right formulations and applying them in the right order. From our cleansers to our sunscreens, all R+F products are specially formulated to complement each other. I have seen with my own eyes, in just a short period of time, the powerful effects of these products.   And at the end of the day, being part of your journey and celebrating your amazing results is the driving force behind my “why”.  Are you ready to start your transformation today??  

About me 

I am 46 years old and have struggled with cystic acne since my early 20′s.  I went on Accutane at the age of 23 and my skin was pretty much acne free after that, but I was left with acne scarring because I always picked to try and get rid of them.  On top of that, I was a “sun worshiper” and the damage from years of being in the sun unprotected started to show as I approached my 30′s, so on top of acne scarring I also had a lot of dark spots.  When I was 33 I decided to try IPL treatments.  The cost was $350 per treatment and it pretty much felt as if someone was snapping an elastic band on my face continually.  A few days later, it looks as if you smeared coffee grounds all over your face until that skin finally shed off and I was left with the same dark spots, maybe lighter, I wasn’t sure.  They told me it may take 5-6 visits.  I went for 3 treatments and after spending over $1000 and seeing very little difference, I decided not to continue.  Over the years I have probably spent thousands of dollars on creams, glycolic peels or anything that promised to remove dark spots -  all rated 4 stars or above on Amazon and still, no results.   When I was about 40 the cystic acne made a come back as well (lucky me, NOT),  so I went on Accutane for a 2nd time last year and just completed that in August of 2017.  I am once again acne free, but the brown patches (not spots now) were worse than ever.   I NEVER leave my house without make up on.  I never go in the water at the beach or swim with my kids, because that would wash the make up off.   I was always searching for something that would help.   At the beginning of February this year, I saw a post asking something like, who wants good skin??  Of course, I replied “Me!!” and that is when my Rodan and Fields journey started after seeing all the promising before and after photos.   

Initially, my intention was to TRY these products first for 60 days before I decided whether or not I wanted share these products.   I don’t think of myself as selling these products, because I truly believe that the products sell themselves.  I use these products and decided to share them with other people to help get the word about Rodan and Fields out - after all, I had never heard of Rodan and Fields before I saw that post.  I was thinking about the opportunity to have this business and decided that I wanted to make my business personal and take people on my journey with me, so I decided to go way out of my comfort zone and do a Facebook Live Video showing the use of the 4 step regimen that I am currently using called Reverse Lightening, because I wanted to show just how simple it was, but most importantly to show the world, Robin with no make-up.  I needed to be comfortable with being real.   I want my clients to trust me, I do not want to sell you a product, I truly want you to have the best skin of your life and my hope is that every man and woman can be comfortable and confident in their own skin.   With our 60 day money back guarantee, I decided that I would to start sharing the products at the same time I started using them and take everyone on my journey with me.  Watch for more Facebook Live Videos as I continue to update my progress every couple of weeks.   

Here is the link to my very first FB LIVE: 

https://www.facebook.com/robin.thompson.581/videos/10211265061288486/

The AMAZING Before and Afters

Amazing and inspiring right??  Could this be us too???  

I can’t possibly show you or give you all the information I have here.   My intention is to put as much information as I can together for you to be able to review and decide for yourself.   I had a lot of questions that went through my head when I first heard of Rodan and Fields too, so here are a few more pictures to help explain and give you some more details.  

The Regimens and what they do

Rodan and Fields is the #1 skincare company in North America because we have proven results, like no other.  The secret is the Multi Med Therapy - every step of each regimen works along with the others to give you the results you are looking for.   

Our Popular Combination Add-Ons: 

  Cost Comparisons

Preferred Customers - One time fee $19.95

Are you as excited about R&F as I  am??  I bet you know  a few people that would love these products too!!  

Yes, I know, gulp!!!   But, there are incentive programs in place that you can earn your investment back in as little as 3 months and still use the products yourself for free!!  The 60 day money back guarantee covers the business kits too!!  Yes, they are the confident that you will be successful and that their products do what they claim they do.  

If you are interested in placing in order, it would be my pleasure to help you every step of the way! 

Please take a moment to take our Solutions Tool located on my website at:

https://rthompson32.myrandf.com/Pages/OurProducts/GetAdvice/SolutionsTool

If you’d like to browse the site for more information on the products, go here:

https://rthompson32.myrandf.com/

If you’d like to join me on this amazing journey and become a business partner, it would be my honor to have you on my team.   Please contact me for additional details.  The team support that we have if absolutely amazing!!  Are you ready to start earning some residual income??  What could you use extra money for??  Spending money, a new car, pay your mortgage or vacation maybe??   The possibilities are endless.     

Thank you so much for taking the time to explore and learn more about me.  If you know someone that would be interested, please share my information or let me know so I can reach out to them.   I promise to give them the very best customer experience. 

All my best, Robin 

phone:  508-612-5035

email:  rthompson32.randf@gmail.com

website:  rthompson32.myrandf.com

[deadmantalking117]

HURTS SO GOOD!

With all due respect to Johnny Cougar. I'm not really familiar with this sensation. Love the song Mr. Mellencamp.. but my hurts are pretty damned bad. This is a tough one to write. It's hard to describe pain to someone else. You have your own pain. You know how bad you hurt. But how can I possibly understand what you're feeling? As empathetic as I think I am. I can't feel what you feel. You certainly don't want to feel what I feel. But it's so important that when you have to go to a doctor or hospital, you can adequately convey what's happening to you. Whenever people ask me about Crohns disease, I try to make it relatable for them. Remember the worst case of stomach flu or food poisoning you've ever had? You're on the toilet non stop. The diarrhea, the vomiting, how SICK you feel all over? I call that "Tuesday " That's an average day for me... then some days is goes right off the rails. Crohns attacks, like most bad news, usually comes in the middle of the night. No idea why. It starts with waking up from a dead sleep. When I went to bed.. I was fine (ish). Now its 3am and the show's about to start. First I usually have to go.. right now. It goes from 0 to 60 in seconds. I was unconscious 10 seconds ago.. now I have 10 seconds to get on the toilet or else... clean up on aisle 5 ! But usually I make it just fine. Gonna need to clean the toilet AGAIN. But I made it. Except that there are actually 2 directions your stomach empties from. And it wants to be empty.. really badly. So the vomiting starts. I have several different meds to help with vomiting.. but once the show starts.. it's too late. I take a pill.. it comes right back up. My guts are pissed off. Somethings gone wrong down here and we're abandoning ship! Unfortunately your stomach or gallbladder don't care about that.. They're doing their jobs cranking out acid and digestive juices, and they are now going in to overdrive doing so.. it's a party! In very quick order I've gone from being blissfully asleep to a nightmare that I cannot wake up from. The vomiting is relentless. Even when not much comes up. Its crippling, every muscle in your abdomen is dedicated to getting those few drops of whatever OUT! Kat rolls over. "Are we going?" My beautiful wife has been through this hundreds of times over the years. She's sound asleep. Gotta get up for work at 6am. But instead its 3am and there a circus performing in our bedroom. I promise I'll tell you more about this amazing woman as we go. But thats a different story for another time. She gets up, gets dressed.. gathers some things. I'm in my sweats and tee shirt. Soaked. But no time to clean up. Thing are unraveling fast now! She loads me into the car. I have my emesis bag. My puke bag. Its half full already. By the time we get to the E.R. it's mostly full. She pulls up to the front door and I get out and stagger to the front desk.. she goes and parks. I can barely walk. I'm doubled over. I cannot stand straight.. it's not physically possible. The nurse at the desk grabs a wheel chair and in we go. First.. new bag. This ones kinda full. Next- Intake. Information.. vitals.. paperwork. All while I'm slumped over in a chair puking into a bag . Fortunately, being a frequent flyer means that once I give them my name and birthday.. they slap on an I D bracelet and wheel me back to a bed. Usually in short order I'm in a gown. In a bed and another nurse is sticking in an IV. Most times, within an hour. They've started to get me under control. When I first go in.. I'm making lots of noise. I physically cannot stop it. The puking, the moaning, I'm feeling like Mike Tyson is working over my guts. I can't stop from gasping after each punch. Have someone punch you in the stomach unexpectedly.. hear that grunt? Thats happening over and over. I can't steel myself against it no matter how hard I try. The hits just keep coming. A quick aside. Linda Hamilton is the voice in my head! When I get this bad.. I don't wanna go to the ER.. I don't wanna get up.. dont wanna walk or move or get to the hospital. Everything is a blur of agony. But I have no choice. Its only getting worse. Then I hear her clear as a bell.. Sarah Conner in the first Terminator movie. And she's screaming at me.. "ON YOUR FEET SOLDIER! MOVE IT!" and I focus every last bit of will, and get up.. somehow. I live in terror of the day thats coming when I won't be able to do that. It's been an hour or so now.. the IV drugs are working.. mostly.. but there's still a pretty decent amount of pain.. thank God I'm mostly done vomiting.. mostly. Sometimes the doctor wants xrays.. or CAT scans. Sometimes they just get me under control and ship me home to rest. I don't need to spend much time describing my pain to the doctors. We've been here so often.. they got the idea. But YOU do need to be able to give them an idea of what level of pain you're in, and what that feels like. So I'm going to try here to give you some helpful reference points. WHAT'S YOUR PAIN LEVEL LIKE? Thats a hell of a question! IT HURTS! ok.. but is it bad? Really bad? Really really bad? Is it stabbing pain? Burning? Cramping? Short bursts? Or long continued pains? In ERs they have this handy little chart with Emojis showing different facial expressions based on pain levels.. its cute. It starts with a smiley face thats a 0. Then it works its way through 10 with increasing frowny faces.. finally at pain level 10. There's tears. Where's the screaming face emoji? I'd be pointing at that one. But you've got to somehow convey what you're feeling. And how bad it is. Maybe I can help. 10- Kidney stones.. giving birth.. sever abscess in your tooth. Second and third degree sunburns or any burns to large areas. Being gut shot or stabbed. Migraine headaches. (Usually). broken bones. Getting burned over more than 5 percent of anywhere on your body. Post surgery for some things.. open heart, bowel resections. The chest burster alien from that movie. These things are all usually considered top drawer pain. Its next to impossible to think about anything else. 8- Things like sinus headaches. Bad sprains. Being punched in the face. Bad cuts. Injuries to smaller areas of your body.. post surgery for smaller things. Appendicitis. Tonsils. Etc. this stuff hurts bad.. but you can still mostly function. The pain is bad.. but you follow along with the t.v. show you're watching.. you can be distracted for a few minutes. 6- The daily bump and grind of just being alive. All the regular cuts, bumps, burns, and bruises. I think most of us have level 6 pains all the time off and on. Cracked your knee on the table? Damn that hurts.. but you aren't going to seek medical attention for it. Pulled muscles. Twisted ankle. Headache. Stomach bugs. Toothache. Things that happen all the time. It sucks.. but you'll live. 4 and below. Being over 30... getting older hurts. Most things that you cover with a bandaid.. or BenGay. Stuff that hurt when it happened.. now its the leftover pain. Being alive most days for most people is level 4 pain. The problem with my helpful little references are this. No one feels pain like you do. Pain is completely different for everyone. Whats a 10 for you is a 6 for me. What's impossible for me to bear is a mere nuisance for you. Pain management clinics deal with these issues everyday.. and they're usually lousy at doing it. What works for you.. does not even touch my pain levels. Does nothing. Why are you doing so well? And I'm in agony? There are many doctors working on these questions all the time. But there are so many factors involved. It's an impossible task. But here's my best advice if you find yourself in real pain. Dont ever let any doctor tell you that you don't hurt.. honestly some will. They can't feel what you feel. If Dr. A can't help you.. or won't. Look for Dr. B. or C or D or Q. Never give up.. let the pain motivate you. I have wonderful, caring doctors. But sometimes when I say the word "pain" they get this look.. like "forget it champ.. you have enough drugs" I didn't even ask for more.. but it's the go-to response for some doctors.. especially now days. (More on this subject later). I've spoken with so many people who are in this boat. They just can't get any help from any doctor. I feel for them all.. I'm right there with you. Some pain will never go away. No matter how many drugs you take.. warm cloth on your neck.. cool rag over your eyes. Heating pads. Neck braces. VapoRub. Wrist wraps. Pepto Bismol. Hot showers. There are not only whole sections of stores dedicated to pain relief.. there are entire stores for it. Pain is a multibillion dollar industry.. and business is good! Maybe THAT'S what he's singing about !?

[altekmediagroup]

3 Ways To Protect Your Retirement

The top 3 ways to protect your assets and family in retirement

I had a friend and colleague in the financial services industry that had a saying, “the unfortunate reality of life is, few people are ‘happy, happy, happy...dead.” That pretty much always caught people off guard! But it also got their attention, which is what is was meant to do. Put another way, very few people die without some period of time in which they need assistance going about the normal activities of daily life. According to a recent, and very well documented statistic, out of 100 people...100 will die. Shocking right?! But the bigger issue we are dealing with here is what happens between “happy” and “dead.” On a more serious note, the numbers on the realities surrounding long term care are pretty daunting: According to recent stats1, 7 out of every 10 people 65 and older will need long term care. According to one of the leading long term care insurance providers in the country, over 59% of long term care claims last more than one year, and of those, the average length of time care is needed is 4.2 years. The California median cost for home care is $57,204 per year. The average cost of nursing home care is $97,368 for a “semi-private room” and $116,436 for a private room.2 Few circumstances in life will utterly drain your assets like paying for good long term care. As the old saying goes, the question isn’t “can you afford to buy a policy or plan?”, because you can’t afford not to put a plan in effect. First of all, let’s set the record straight on some common myths. Doesn’t my medical insurance cover this stuff? Nope. It doesn’t. What about Medicare or Med-Cal? Well, they may provide 1 2017 U.S. Department of Health and Human Services 10/10/2017. 2 Genworth cost of care survey, 2017 limited coverage, but only if you meet certain criteria...primarily involving impoverishing yourself. Another thing most people don’t realize is that federal law requires that states recover the money spent on people’s behalf for long term care from their estate after they pass away! Another thought some people entertain in order to put their mind at ease is that their family will take care of each other. Ok, let’s talk hard truth for a minute. Imagine your loved ones having to help you daily with dressing, washing, and using the restroom. Is that really what you would want?  If you, or anyone you know, has been through this scenario, you know how demoralizing it can be, and how much of a strain it puts on the family financially, and in just about every other way. One of the biggest reasons for planning right now how you will finance the costs of long term care is to preserve your dignity, and that of the ones you love, so that you are able to spend your final days interacting with your family in the best ways possible. So what are your options? Well, you may be surprised to find that you have more than you realize. Here’s a quick summary of the top options you should consider, along with some pros and cons to help you narrow down what makes the most sense for you: 1. Long term care insurance. This is the most straightforward method, and will usually give you the most value for your dollars in straight long term care benefits. You might also find this to be more affordable than you think. It is based on providing a set “cost per day” benefit, for a certain number of years. Another key factor that affects you premiums is your choice of “elimination period.” Think of it like a time deductible. You can typically choose from 30 days to 120 days, and sometimes more. As with all insurance, the higher the deductible, the lower the premiums. The primary downside that people see in this product is, if they die in their sleep without needing care, or of some sudden accident of extremely fast moving disease, then the money spent on this insurance is “wasted”. It has one purpose, and is purely protection, just like your auto insurance or home owner’s insurance. 2. Life insurance with an LTC rider. These days you have several life insurance carriers in California that offer a life insurance product with a “Chronic Illness Rider”, or something similar, that will allow you to use up to 100% of your death benefit to pay for long-term-caretype needs. The benefit is triggered by the same thing as long term care insurance - loss of 2 ADLs, (activities of daily living). This can be a very cost-efficient way to cover your bases, and get your dollars multi-tasking, which I strongly believe to be a key principle in wealth accumulation and protection. Some down sides would be that you may not get as great a benefit amount monthly as a straight LTC policy would provide. Also, you need to remember that if you use some or most of your breath benefit for long term care needs, this directly reduces the life insurance benefit paid to your beneficiaries. 3. Long term care annuities, or hybrid whole life policies. This is one of the newer options, and one of my personal favorites. You can typically fund a product like this will qualified or non- qualified funds. Meaning, you could roll money straight out of an IRA or 401k and into one of these without creating a taxable event. So if you have funds wasting away in a retirement account somewhere, this might be a really good option for some of those funds. Also, these products allow you to make sure that no matter what happens, be it the “happy, happy, happy...dead” scenario, or needing long term care, or needing some of the money you put into the policy for paying for life’s needs or wants, you get to “have it all”. Should you need long term care, like most people, the dollars spent on this product will buy far more in benefits than the dollars themselves would ever provide. Should to die suddenly, without needing care, the benefit pays out like life insurance to your beneficiaries. And, should you live longer and healthier than you expected, and need some of that money back out, the principle is liquid, guaranteed, and will also be credited with a typical 3-4% interest earnings annually. Pretty snazzy huh? Again, the main downside here would be that you will typically get more long term care benefits for your dollars when you purchase pure long term care insurance, as opposed to a hybrid like this. So there is some good food for thought, and hopefully, you can find renewed vigor and clarity to make up your mind to get this thing done like you have been meaning to for years. It will never be cheaper than it is today, and if you are already in your 50s, 60s, or older, chances are, you are also about as healthy as you will ever be. Waiting only costs you more, and potentially could cost you the ability to even have a choice, should an unexpected illness or injury render you uninsurable. Getting valuable protection like this can be much more affordable than you think, and you will rest much easier knowing it is in place - securing your future, protecting your loved ones and your assets - making sure you don’t end up broke in a nursing home wondering why.

Luke Kibler Vantage Insurance Solutions License #0E35140 luke@vantageinso.com vantageinso.com 909. 936. 7032   Key Words Business Insights, Business, Insights, Altek Media Group, Altek, Media, Video, video, film, near me, the Best, production, online, magazine, strategy, digital, marketing, blogging, social media, funnel, Brand, Content Management System, logistics, Lean, manufacturing, CEO, infograhics, instagram, facebook, linked in, google, Key Performance Indicator, Automation, Optimization, exit planning, Public relations, Advanced, Agile, oem, smart, supply chain, Net Neutrality, Big Data, Data Mining, Actionable Analytics, Artificial Intelligence, Machine Learning, Personalization, Voice Recognition, Chatbots, Augmented Reality, Virtual Reality, Smart Factory, Industry 4.0, Quantum Computing, BlockChain, Technological Unemployment, Digital, benchmarking, flexable, Kaizen, prototyping, robotics, six sigma Read the full article