#pro of being at said place of employment when I am there: may teach you some sewing skills or show you where the glue is

[chiropteracupola]

people at my place of employment did not like seeing mr hurley's unpleasant partially peeled penguins

[dawnwave16]

Legal Bug

Hey there, this is a one-shot I wrote today as it refused to leave me alone!  I’m not too happy with the end of it but my sleep deprived brain wanted me to post it before it got lost on my harddrive!  Hope you enjoy it!

Marinette knew that her classmate's thought that her only interest was in fashion. She also knew that they didn't think she was very smart. What they didn't know was that she was the youngest student in the class, having skipped two years. While it was true that her primary passion lay in fashion, over the years she had developed a passion for the law as well. It had started when she had seen how Adrian was treated by his father and had been nurtured by sheer necessity after becoming Ladybug.

After seeing one too many people becoming Akumatized due to fear while being trapped in Abusive relationships, Marinette knew that she needed to be able to help them. As Marinette, she couldn't do anything. As ladybug, she was able to find out where they lived and was able to guide them to the right lawyers that would happily take on pro-bono cases. When Lila had joined her class she knew that she wasn't looking at a girl who wanted attention, she was looking at an undiagnosed psychopath with a heavy dose of narcissism thrown in. She also knew that Lila was a pathological liar and that despite what Adrian had to say, taking the high road would not help them in the long run. Marinette knew that with so many enablers in her class she would have to work hard to get out as soon as she could. With this in mind, she threw herself into her studies. She was still Ladybug and she still did her duties as class president to the best of her abilities but she stopped doing all the extra things she had done for the class. Seeing how Adrian had refused to stand up for himself against Lila had made her realise that he would never stand up to his father either and had killed her crush on him faster than anything else could have. When Lila had pushed for her to be ousted as class president, Marinette had simply cancelled any plans she had made for the class, withdrew the money she had set aside out of her own pocket for any outings and dumped all the paperwork on Alya as Lila had said she couldn't run as president. She had then approached the student council and joined that instead as she knew that, while it was unlikely any prospective employer would care about it being on her resume, she wanted the experience. Her duties on the council were slightly less time consuming than the class president duties and she had used that time to push ahead in her studies. By the end of the year, she was a grade and a half ahead of the rest of her class. To hide how far ahead she was, she had asked Mr Damocles not to change her class but to rather let her teachers know that she was much further ahead than the rest of her class and to assign her work appropriately. He had readily agreed however it seemed Ms Bustier didn't read the memo. As a result, she handed all her work into Ms Mendeleiev instead. Ms Bustier got handed copies of her older assignments and any marks received from her were ignored by the school board. Ironically it was having to do this that brought Ms Bustier up in front of the school board for incompetence shortly after Marinette had graduated when Ms Bustier had tried to report Marinette for truancy. It was then that Lila's lies started to unravel but the grip she had on Marinette's old class was so tight that they didn't even notice when things were going wrong anymore. Less then a month after she had officially graduated from high school she had figured out who Hawkmoth was. She knew after the first time Chat had reacted negatively to the idea that Gabriel Agreste could be Hawkmoth, that he wouldn't be able to help her in the upcoming fight against him. So she went to master Fu with an idea. Make her parents temporary holders of the fox and turtle. Her father's build would provide the intimidation factor that they needed to scare Hawkmoth, while her mother could create decoys to distract Mayura. The key part of the plan would be to wait for Hawkmoth to Akumatize someone, then while chat distracts the Akuma, Ladybug, Tartaruga and Hú bù wǔ (Foxtrot) would head to the Agreste mansion to deal with Hawkmoth and Mayura. The took Master Fu as Serpens with them to collect and important documents that pertained to the miraculous as they didn't want to leave those in Gabriel's possession any longer than they had to. It didn't take long to convince her parents to be temporary holders, though neither Fu nor Marinette revealed that it was Marinette asking them for the favour and not Ladybug. They didn't have to wait too long to act on their plan either. Thankfully the Akuma that was sent out was a rather benign one that simply made anyone it hit speak what they were really thinking and while Chat had to work hard not to get hit, it wasn't causing any true damage. Hawkmoth went down relatively fast, to Ladybug's relief but Chat was still hissing angrily when she arrived a full hour later to the Akuma. One lucky charm later and the Akuma was defeated, however, Chat decided to let her know exactly how angry he was at being left to deal with it alone for so long. Marinette, as Ladybug, looked at Chat the whole time he was berating her, not giving her a chance to talk. Eventually, he seemed to run out of steam when Alya showed up for an interview and started to ask questions of her own. Ladybug had put a hand on her hip in annoyance by this stage and when she answered her voice was sharp. “Well, Chat if you had let me speak earlier you wouldn't be left looking like a fool now! To answer your question, the reason I was late is I had a lead on who Hawkmoth and Mayura were and I was acting on it.” Alya was the one to pick up on her word choice. “Were?” She asked. “Yes. Were. While Chat was keeping the Akuma occupied Tartaruga, Hú bù wǔ, Serpens and I were dealing with Hawkmoth and Mayura. They have been defeated and will no longer be attacking Paris. This is the last Akuma Paris will ever see.” Alya and Chat's jaws dropped. “But-” Chat didn't get the chance to continue as Serpens slipped behind him and removed his ring. Soon Adrian was standing where Chat had been just moments before. Alya instantly rounded on him asking questions by the dozen and Ladybug and Serpens slipped away unnoticed. They both dropped their transformation then she looked at Master Fu for a moment. “Master” he held up a hand then removed the snake miraculous and placed it in the box. “I am old Marinette,” he said sadly. “It's time I passed on the duties of Guardian as I will no longer be able to fulfil them. You may be young but you are wise and more importantly, you are ready. I hereby name you as Guardian of the miraculous.” As soon as he finished speaking a soft glow covered both of them. Master Fu smiled at her. “I have ten minutes before the memory erasure takes hold. Please stay safe Marinette, you have been a blessing to teach and I love you like a grandchild.” With that Marinette was left alone in the ally with the bag that held what felt like the weight of the world. When the news reached her a week later that he had died she insisted on being the one to arrange his funeral, getting help from Wayzz on what he'd have wanted. It was as Marinette was trying to decide what she wanted to study that she came across her first big stumbling block. What did she want to study more? Fashion or Law? She debated with herself for almost a week before Tikki, in a fit of frustration, had asked her why she didn't just study both. To Marinette, it was as though her path was suddenly clear. So she submitted her application to ESMOD with the plan to finish her fashion major there before heading to Harvard in the USA. To make sure she could get into Harvard when she finished at ESMOD, Marinette sent her application in at the same time as she sent her applications in at the same time, though she sent a letter with the one that went off to Harvard and was surprised to see she had been accepted into both. The committee at Harvard had been so impressed that she had planned so far ahead that they were holding a spot for her and she wouldn't have to re-apply when she had finished her other degree. Her time at ESMOD flew by with several of her teachers trying to get her to agree to go to work in a fashion house as soon as she graduated but Marinette stuck to her plan. She was using the money from her commissions to pay her way through her courses and for her transfer to America so she had taken to working at a coffee shop whenever she could, in order to have a little extra, just in case! She had also taken up dancing in her spare time, though she knew that that would always only be a hobby. Her time in Harvard got off to a rocky start. So rocky in fact that she reminded a number of the staff of Elle Woods. Marinette didn't let the rest of the student body know that they were getting to her however the staff saw it and decided to intervene. They contacted Elle and got her to come in for a guest lecture. They told her about Marinette and when Elle saw how similar they were she knew she had to help. It was then that a case dropped in her lap that she knew she would need help with. So she went to the Harvard board with an idea, let her take 4 students on to help her with the research and they would get to see how it really was in court as well as gain some real-world experience. The board loved her idea and soon the other lecturers had managed to get all of their first years students to apply. Marinette hadn't placed much hope in getting a position but had read up on the case anyway and she had several questions about what she had read. Soon the shortlist was posted on the announcements board and the news quickly spread around the campus. Marinette had been in a dance class so when she hears that she had been one of the ones chosen, she quickly went to double-check. She didn't want to show up only to find out it wasn't true after all. She was thrilled to see that she had been chosen and

ran to her dorm to make sure all of her notes where in order. The Kwami's all danced around her in celebration and helped get everything ready. Duusu went through Marinette's wardrobe to make sure she had the perfect outfit ready for her which had Marinette smiling happily. When she arrived at the meeting room she was nervous, but she relaxed slightly when given the brief. They were defending a man accused of killing his boyfriend when he had left him for someone else. Marinette had frowned when she heard that, something Elle noticed straight away. “What's wrong, Marinette?” Elle asked. “I'm not sure,” she answered, which made the other three laugh at her. “Probably doesn't understand the case as it doesn't involve fashion.” One said derisively. “It's not the case I don't understand. There's just something that doesn't fit with the police reports.” Marinette's voice was thoughtful and she had yet to look up from the file in front of her to judge any of their reactions. Her classmates were scoffing at Marinette's logic but Elle had a small smile on her face. Marinette had good instincts and Elle couldn't wait to see how Marinette would prove that their client was innocent. “Right Marinette seems to have a lead she would want to follow, what about you three? What's your take on this? If this was your case what would you want to know?” Elle asked. They didn't answer, how could they answer when they hadn't even looked at the case, they thought that they would just be watching the process not that they would be participating. “Ms Woods?” Marinette's timid voice startled them. “Yes, Ms Dupain-Cheng?” “Just Marinette, please. Anyway if our client was going to kill his boyfriend why was there no history of violence? Something doesn't add up here. From cases I saw in France if one partner was going to kill the other, there was generally several warning signs. I mean sure they could have come home one day and snapped but from our client's statement, it was an amicable break up with no hard feelings. Sure our client still loved the deceased but there is nothing that would indicate he could go into a murderous rage. In fact, if I look at his company log here our client was still at work when the crime happened. This company is infamous for having cameras everywhere because they have several high profile people that work with them, was any video footage pulled at any stage?” “Good! That is the type of thinking one would need when taking this case. Did you notice anything else?” Marinette frowned, there was something else but she just couldn't place it. It was only as she was sitting in court behind Elle that the thing that had been bugging her for weeks hit her. She waited for a recess before she said anything. “Ms Woods?” She started hesitantly. “Yes, Marinette?” “The shirt that was found that had the blood splatter on it was polyester, right? The type the new boyfriend wears.” “Yes, the prosecution said it was left behind by our client. Why?” “Well, I've noticed that our client only ever wears silk, linin or cotton designer shirts. Never polyester, so why would he have been wearing a polyester shirt that day? Is it possible that our client is allergic to polyester?” Elle looked at Marinette and smiled. “Why didn't I see that? They're not even the same size! Our client is at least 10 pounds heavier than the new boyfriend!” Marinette nodded then added, “Even if he had been wearing the shirt, it would sit differently on him causing the blood splatter pattern to be different. I know he doesn't have an alibi that can be proven and that this is a long shot but can we please check?” Elle agreed quickly and soon it was proven to have been impossible for their client to have done it. Something more caught Marinette's attention when the man, the new boyfriend, muttered something in French while still on the stand. The judge noticed Marinette's head shoot up with wide eye's and saw Marinette frantically write something down on her notepad and hand it to Elle. “Councillor Woods, your student seems to have something to add would you let her do so?” The Judge asked. Elle nodded and brought Marinette forward. The judge looked at Marinette and motioned for Marinette to speak. Marinette took a deep breath, “I'm sure you didn't mean for the mike to pick up what you just muttered in French but would you please repeat it so that the court can hear it?” The man narrowed his eyes but repeated his sentence quite calmly, he was relaxed as he thought that no-one in the room could French. His confidence took a hit however when Marinette smiled. “If it may please the court, what he just said translates to: 'This worked before, why did it fail this time?' I know you might not believe me but as everything is being recorded I beg of you to confirm my translation with other people who speak french.” The judge looked at her thoughtfully, then spoke: “How do you understand French?” Marinette was confused, “I thought my accent would have given that away, your honour. I am French. I grew up in France speaking French.” At her innocent statement, the witness exploded. “Why the hell he even come home that day the ex was meant to fetching some stupid MDC brand clothes that would never have suited me but that my boyfriend insisted we give back. He wasn't even meant to be home!” The court fell silent, then everyone started speaking all at once. The case got thrown out in much the same way Elle's first case had been and the other three students were stunned. “How did you know?” They demanded, rounding on Marinette as soon as they entered the room that they had all been using. Even Elle was a little curious she had to admit.” “What do you mean? If you talking about the allergy to polyester it was in one of the courses I took for my fashion degree that designers have to be careful to take textile allergies into account when designing.” Elle looked at her. “I knew you studied fashion, but so did I before I attended Harvard and that wasn't in any of my classes.” “I studied to be a fashion designer at ESMOD before I came here. I aim to be able to represent people in abusive relationships to help them get out of those situations. If I want to do that pro-bono I needed to have something else that I could do in order to support myself financially.” Her voice was innocent and honest but they could see the passion in her eyes as she spoke. “Why that area?” Marinette smiled again but this time it was a sad smile. “I grew up in Paris while a man called Hawkmoth was terrorising everyone to the point that people were locking away their feeling simply to stay safe. I saw several people get targetted simply because they were afraid of their partner for one reason or another. Sometimes they were able to get help to get out, but sometimes they weren't. Some of those that weren't couldn't get out because of not being able to afford a lawyer and I want to be able to help those that fall into that category.” For the first time since they met her, her classmates were quiet. They had thought she was there to get the attention of a rich guy who would support her. Elle smiled at Marinette's reason for studying law too then a thought hit her. “Wait, Marinette Dupain-Cheng, MDC, you're MDC aren't you?” Marinette laughed and nodded before answering. “Yes, I am but I wanted to be treated like an equal so I didn't advertise that fact.” Again her three classmates were stunned. This clumsy girl was a world-famous designer? How had they missed that? Elle seemed to get a little more flustered with each moment that passed. “But that means... And you know...” “Ms Woods, are you alright?” Marinette said quietly. “I'm still the same person you thought I was a moment ago. I'm still clumsy and prone to having anxiety attacks if I'm not careful. I'm human just like everyone else.” Technically she wasn't 100% human anymore due to being a miraculous wielder but no-one needed to know that. Eventually, Elle calmed down and thanked them for their help during the case. Their professors would be getting a copy of her reports on how they did as soon as she was finished them. She also promised that she would leave what she know knew about Marinette out of her report. She also wouldn't let that knowledge influence her report in any way. Eventually, Marinette graduated from Harvard, however before going back to France to set up her practice she decided to visit her long term pen-pal in Achu. Ali had been delighted when she arrived and soon Marinette had changed her mind about where she would set up her practice, deciding to stay in Achu full time. Her practice soon flourished as did her design business. However, the thing that flourished most of all was her relationship with Ali. What had started as a friendship and continued when they had agreed to email each other had grown into love without either of them noticing it. They kept their growing relationship out of the news and when they had decided to get married they made sure that news was kept silent too. It was on a rather warm Friday morning that Marinette got an email that she wasn't sure she wanted to answer. She had been invited to her 15-year school reunion. She spoke to Ali and they decided she would schedule a photo shoot in France that week and he would deal with several appointments there too and they would attend. She knew that she would be able to leave at any time so she wasn't too worried about that, however, she was 4 months pregnant, and she wanted to be careful. The photoshoots went well and it was finally the day of the reunion. Marinette decided to wear one of her designs, a simple navy-blue jumpsuit with a mandarin collar, embroidered with a geometric design in shades of blue that made the suit shimmer beautifully as she walked. She paired it with kitten heels, glad that her pregnancy wasn't showing

or affecting her balance in any way yet. Tikki had said that that was normal for all miraculous holders but Marinette still tended to err on the side of caution. When she arrived she saw that it wasn't just her old class that was there, which she was happy about. She had instantly gone to talk to Marc as she didn't want to deal with Alya or any of the others. This strategy had worked until Lila spotted her and decided to make a big scene about her being there. “I was invited Lila, I can pull up the email if you want me to and I can show you a printed copy if you still doubt me.” Marinette's voice was calm as she spoke. “Why would we want you here?” Alya spat. “She's allowed to go where ever she likes Alya, she's an adult.” Marinette turned to the sound of the male voice that had spoken. “Adrian,” she said calmly, giving him a nod of greeting. He was about to say more but Marinette's phone suddenly went off. She frowned then answered it appearing confused. She kept her conversation brief however in the time she was of the phone Lila had spun yet more lies about her. “It looks like somethings never change,” she said with a sigh. “What would a whore like you know?” Alya demanded. “Firstly, my wife isn't a whore. Secondly, as a major name in the fashion industry you'd think you would know better as any time she is seen out and about her name ends up plastered all over the papers.” Marinette leaned back into Ali's arms as he spoke, having felt him come to stand behind her earlier. “Ali,” she heard Rose gasp “But, Lila said...” “I do not know any Lila.” Ali interrupted sternly. “I don't know what she told you but I'd never even heard of her before you emailed me full of stories about her. Stories that a simple google search would and did disprove. It is due to those that I cut contact with you and blocked any further attempts you made to contact me.” Having said his bit, he looked down at Marinette who nodded. They ignored the shouting match that erupted behind them, opting to simply go back to their hotel room. Life would carry on either way and they knew they had a life with their growing family to look forward to.

[mystomachfeelsawful]

5:47

doing this early this year because I’m procrastinating.

2020 was good to me. I know that sounds really shitty to say, but it really was. I completed two drafts of new plays, acquired some steady teaching work, had my first professional production, started a fund that helped some artists in my hometown, got an HST number from just doing pure theatre work and felt really artistically fulfilled. Strangely enough, a lot of my good fortune started happening once the pandemic started, which is currently baffling to me.

1 - In January, I entered a mediation with a bunch of old classmates and another individual. I can’t legally say what happened in the mediation, but I can say that it had a really profound effect on me. I think I entered the mediation ready to destroy this person and ruin them. But I think somewhere in that, I realized that that wasn’t helpful. It’s always weird thinking back to that time in my life (when I started this tumblr actually!) about how sad I was and how lost I felt and how this person and a few other people really made me feel dreadful. Aside from maybe 2 people in my class, I don’t really connect to anyone from that cohort. But hearing and experiencing closure and learning how to forgive someone face to face, who made me feel like I was worthless felt really impactful. I think I want to enter this decade as a more patient person, especially as I start to engage more with teaching work. That period from 10 years ago taught me about the theatremaker I don’t want to be. So, it’s my responsibility to make space to be the opposite of that - to forgive people when they screw up as opposed to hold it against them and be weird.

2 - I adjudicated the U of T drama festival this year! It took me back to Sears days where I’d do a thing and then wait for feedback from a pro. I found the entire experience super inspiring and I took it pretty seriously. Having come from a really terrible theatre school experience right out of high school, as an educator, it’s really important that I don’t play softball with my students, but also don’t destroy them. I really hope my words gave them confidence as well as things to build upon. I kind of want to be the educator I didn’t have when I originally came to Toronto 10 years ago and only encountered quite recently. There’s also a kind of refreshing lack of cynicism when it comes to student-led/non pro work (more on this later) that I think I’ve been missing in my practise.

3 - I let a group of friends down on a project where I put people in harm’s way.  I didn’t stand up for them when bad things happened. As someone who prides himself on making rooms safe, being on the outside of that situation was disturbing and unacceptable. The experience also taught me something I’ve been learning through my whole “career”. It doesn’t matter how prestiguous the institution is. If you don’t feel safe, if you don’t feel comfortable, if you feel isolated and alone, get out. Career advancement shouldn’t destroy you. Aside from the project itself, the environment of being in a mostly white, aggressively conservative town is something I never want to do again  -no matter the money or how it’ll move you forward. It’s something I want to put into my personal contract to myself. Unflinchingly.

4 - Similarly, I think I need to incorporate this mentality into the projects/people I work with. I’m down to be challenged, but if someone makes me feel terrible about myself/I get a vibe that they don’t really believe in my work, I need to not engage with them. Sometimes I get starstruck, or I try to please or impress people because I fear of what they’ll think of me in the larger community. I think if I have that fear, maybe that relationship isn’t one I want to explore. I want to work with collaborators who get excited about the same shit I’m excited by, who push me to be better, but who want to run with me as opposed to at their pace.

5 - From March to July 2020, I was trapped in Hamilton, Ontario for over 100 days (thank you, Spring Awakening + COVID).  For all of my yammering about how much I loved my hometown in my last post, I was fucking miserable. I have very few friends who currently live in the city, living with two very risk adverse people (as they should be) and feeling like I was trapped in a city that I have complex feelings about was really terrible. I hadn’t been trapped in Hamilton against my will since I got kicked out of Ryerson. From March to May, I was probably the saddest I’d been in a while. I started going to bed at stupid times because I didn’t want to be awake for most of the day. I played a lot of video games, cooked a lot, but creatively I kind of hit a snag. I don’t want to live in Hamilton. I want to create stuff there, but I know I don’t belong in the city. The place has such a weird energy and reminds me of my past failures. It sucks the energy out of me and brings me back to a time where I felt like I had no control over my career and was destined to become a hobbyist in the arts.

6 - During this time, I was sort of kind of busy. I finally made a website, I made a fancy video for a general audition (which actually landed me employment/a relationship with the company!). But most importantly, I think I finally got what Nina was saying. I do have no direction in my career because I’m not applying for things. I’m not reaching out to companies and answering their calls. I haven’t really freelanced. Spring Awakening at HTI, while great for what it was (before we got shut down), was actually an incredibly safe choice. if I really want to do this seriously, why am I not trying to get into pro rooms? Going from festivals to spring was a weird move, but maybe it needed to happen because it made me realize that this isn’t me taking control of my career, this is me taking a step backwards into something I know I can do. When everything re-opens, I do have some gigs lined up, but I want to be aggressive in reaching out to ADs and companies as a director. I never want to be in a situation where I’m trapped in Hamilton with piles of unproduced plays again. I want to get out there and hunt for producing opportunities. Being trapped made me realize that I’d kind of always been trapped and just floating by.

7 - June was kind of a saving grace. Somewhere in the mire of the pandemic, York University came a calling and wanted to commission a new play for their 2020/2021 season. I initially found this really daunting - the plays I’d been working on in the past few years had taken years to write and had led nowhere. My writing lately had been pretty sloppy and well....bad. I said yes, though, because I figured it’d keep me busy. This project kind of made my whole year. Having a dramaturg who wanted to jive with me and build on my ideas was something I hadn’t been engaged with in a long time. Having a team be really excited about the work I was putting out was also kind of thrilling and a novel experience (the last solo written play I’d put up was over 4 years ago). Getting paid a real wage as a playwright for production was something I’d never experienced before. I’m dangerously proud of HAGS, as it made me realize that I can actually write plays and get them put up. That yes, it’s important to take your time, but I can actually be produced and produced on someone else’s terms and timeline. 

8 - June also led to the birth of the Garden Project, an initiative created to not only challenge the benign racism of Hamilton’s regional theatre, but also to actually get people in the city paid. Alongside a team of 6 producers, we raised $18000 dollars in a VERY short amount of time. We also gave that money out almost immediately, which was great. If Aquarius won’t do something, we will. We were also called racists for doing the project, which was hilarious. Never change, Hamilton.

9 - Myself, Senjuti and Claire took on Aquarius over what seemed like an endless summer of back and forth emails. I don’t know if anything will change, but we were able to hold a theatre publicly accountable and pressure them into not hiring another man who gaslights his accusers. I will also admit that my participation in this crusade is highly influenced by the fact that this will not effect my career in the slightest. I don’t work professionally in the city. They can’t hurt me.

10 - Arriving back in Toronto as I finished the Ministry of Mundane Mysteries was probably one of the most touching things that happened to me this year. Standing on the balcony during the summer and hearing Hadestown blast over a phone speaker to me was like coming home in a real way. I belong in this city. This is where I want to make work.

11 - Alongside a production draft of HAGS, I finished a full draft of PING! Loads of issues and work to do, but it feels like a step in a more personal direction. Most importantly, I actually did the thing. After giving up on a project I’ve been working on for 4 years, PING feels like a new direction for me, one grounded in my own experiences, interests and fears.

12 - I started running! This deserves it’s own post because it’s to hold myself accountable. I still hate sweating, but doing physical exercise is something I want to keep going post pandemic. 

13 - I’m, um, directing Shakespeare maybe next year. We’ll see how that goes. 

14 - I guess my final thoughts for 2021 are to keep pushing myself to apply for things I don’t think I’m ready for (NOT ADing), to stop waiting for things to happen to me and to take the same charge of my career post pandemic that I did pre-pandemic. Aside from the nightmare of the pandemic, 2020 was a rejuvenating year that made me realize that I’m still capable of doing this on all fronts. Whether that be new play creation, working as an educator with One Song Glory, York University, Hart House and UTM, directing stuff or just learning how to be accountable for things and supporting young, exciting artists, I want to be the theatremaker I looked up to 10 years ago. One I didn’t have at Ryerson.  And I feel I’m doing that.

VIDEO GAMES (I PLAYED A LOT. In order.)

1 - Last of Us Part 2 - I will defend this game to the end of time. This game made me a better person and really taught me about empathy, forgiveness, but most importantly that you can don’t have to like someone to forgive them. I feel a lot of gamers missed the point with this one, or didn’t want to engage with Abby for their own reasons, which is fine. But a character doesn’t have to be likeable to be well written. The game is structured so you don’t consider her perspective until you hate her guts, which is kind of how life works. In this essay I will.... 

2 - Hades - Hades is the most fun I’ve made in a game in a really, really, really long time. Addictive gameplay, an ever evolving story and incredible re-playability makes it something I keep going back to for 4 hour bursts (the time really flies by!). Hades is a game where I thought about it when I wasn’t playing it. Radical.

3 - Night in the Woods - Is one of the best written games I’ve ever played. Super nuanced, really well written, I had to stop playing to be like, damn, this is good. The music also slaps.

4 - Crash Bandicoot 4 - is old school platforming done right. Really hard levels. twitch controls. Gorgeous design. Loads of collectables.

5 - Wide Ocean Big Jacket - is a 2 hour adventure game that’s cute, sweet, really well written, and a great game to play with buds.

HONOURABLE MENTIONS: Animal Crossing: New Horizons, Moonlighter, The Witcher 3, Cyberpunk 2077 (IS FINE. Everyone is mad.), Control, Yakuza 0 (just started. Really dig it!), Detroit: Become Human

DISAPPOINTMENTS: Wandersong (I didn’t like the art. I know this is super weird, but the art style didn’t click for me and made me disengage from the game), Spider-man (the gameplay was dull for me and Peter doesn’t really grow or change), Banner Saga (I just can’t get into the gameplay or the UI).

PLAYS (not in order)

1 - Oil

2 - 4inxchange

3 - kitne saare laloo yahan pey hain

4 - Ministry of Mundane Mysteries

5 - Heroes of the Fourth Turning 

HM - Deer Woman, Karen Hines’ nightmare Windsor Play 

TV SHOWS/MOVIES (not in order)

1 - Haikyuu 

2 - Queen’s Gambit 

3 - Survivor Season 40

4 - Run with the Wind

5 - The Platform

HM’s: Encore! Never Have I Ever, High School Musical 2, Fast and Furious 6, Bad Boys as a franchise

Disappointments: The entire Twilight Saga, Triple X as a franchise, High School Musical 1+2

Hoping for a vaccine in April, but like, lol.

[blog-researchblog]

The Life of a Athletic Trainer

Damien Toscani 

Section 1:

After reading the “7 Powerful Questions To Find Out What You Want To Do With Your Life”, by Scott Christ. It made me think and realized I accomplished a lot more than I thought. To start the article Scott asked “What I’m passionate about?”.  I am passionate about many things. I will always love sports, baseball to be exact, I played my whole life since I was about three years old. During the last season of my high school career I tore my rotator cuff. I got a couple offers and I was actually going to come to Kutztown to continue my academic and athletic career. My rotator cuff didn’t seem to heal right and it never felt the same. It was devastating to tell Coach Blum what happened, who was the coach at the time. I still decided to come here which was one of the best choices I’ve ever made. Since baseball took up so much of my time, I decided to start some new hobbies, music producing and fitness which is what I want a career in. I found love in making music and making something that is actually mine. A lot of my friends rapped and showed me some of the ropes and I picked it up pretty fast. I actually don’t have a very wide range of music surprisingly, but my heart is there for rap and weirdly Frank Sinatra. Lastly and most importantly I’m passionate about school even though it’s tough.

“What are my greatest accomplishments so far?”. I would have to say my greatest accomplishment so far is going to school, continuing it, and making my parents proud. I didn’t have a great past, coming from Philadelphia you see a lot of stuff. It’s not weird to have random run ins with the cops, hear and see stuff you weren’t supposed to or wish you never did. I had to get out of there even if it was for a little bit. Something else would have to be what I achieved during my years when I played baseball, from championships to getting recruited by Kutztown.

“If my life had no limits what would I choose to have and what would I choose to do?”. If my life had no limits, I would choose to have money, who wouldn’t? But what I would choose to do is a different story, I would want to travel the world, be able to teach people, and put smiles on peoples faces. Lastly, help people become fit and better themselves.

“What are my goals in life?”. My goal in life is to make sure certain people are proud of me such as my parents, friends, and family. Not really saying I want a name for myself but I want to be able to teach people I come across something they never knew before. My goal is to also strive in my career, to be one of the best at what I do and I can stay healthy and help others. My biggest fear is letting my parents down, no one wants to let your parents down. You always want them to see you at your best but sometimes we hit a couple bumps in the road.  

“Whom do I admire most in the world?”. Who I admire most would have to be my grandfather. He taught me to never see anyone as different. He also showed me that money doesn’t matter, life brings you happiness, and the people around you. He also is a big reason for me choosing to be in the sports field, he was a Villanova football coach throughout the 70s and 80s.

“What do I not like to do”? What I don't like. That is kind of a hard question, it takes a lot for me to not like something. Since I’m a person who likes to speak they’re mind and don’t really care about other opinions, unless it helps me out. If I had to pick what I don’t like is people accusing me for a thing I didn’t do.

Lastly, “How hard am I willing to work to get what I want?”. I am willing to work as hard as possible, the whole time I’ll be thinking of my family and how happy they would be. But to make it happen I have to work on being dedicated. That is one of my worst flaws, staying focused.

Section 2

Athletic Trainer Job Summary

Without athletic trainers where would the sports world be? According to the Occupational Outlook Handbook “Athletic Trainers” work with people of all ages, they practice in diagnosing, preventing, and treating bone and muscle injuries. Athletic trainers are usually the first ones on the scene when an injury occurs on the field. They provide first aid, and emergency care on the scene. They also provide programs for athletes to prevent illness and further injury. One of the athletic trainers' responsibilities may be having regular meetings with the athletic director and others to talk about things such as budgets and business related issues.  The work environment can be very different depending where you end up. The most common is in an educational setting such as colleges, high school, and elementary, others would be hospitals, gyms, and professional sport teams. Athletic Trainers also may work with the military, or provide help for curtain people serving our country. To become an athletic trainer you will need a bachelor's degree, also a license if you continue this practice. The average wage would be roughly $47,000, where the minimum is around $31,000, and the max $70,000. Employment rate over the last couple of years has definitely risen and is predicted to go up 19% over the next ten years. Lastly, athletic trainers are all over the place, as mentioned schools, universities, professional level, and the military. So finding a job in your state or area shouldn’t be too hard.

Section 3

Interview Questions

The person I interviewed was Jack Entriken, he's one of the main athletic trainers in Kutztown and has been doing this for about thirty years. For my first question I asked “What do you love about being an athletic trainer?”. He told me “We see the injury before anyone else, we also get to see the process of going from injured to healthy which is always a great thing to experience.” Second I ask “What is your greatest strength and weakness?”. He said his greatest strength was being able to interact with all different kinds of people from everywhere. He then went on to tell me his greatest weakness he said he was expecting too much. He didn’t really go into detail about that but it’s understandable. Third I asked Mr. Entriken “What is the best and worst decision you’ve made in your career?” He went on to tell me his best decision was going from a Physical Education Teacher (Gym Teacher) to a Athletic Trainer. His worst decision was not getting his PHD, so he wasn’t able to open new doors for success. I then went on to ask “What would you be doing if you were in my shoes now?”. Jack couldn’t express it enough. He told me to take a lot of science classes, taking many classes you don’t think you really need. He also told me the problem here in Kutztown is they don’t have the right classes to continue your practice after school. He also made sure I knew internships are very important. Fifth I asked “What does your typical work day like?”. He told me his mornings are treatment to athletes and paperwork. In the afternoon he watches over practices, practice prep, and working games. Lastly postgame, post treatment or new treatment from athletes. The last question I asked was “If you could do it all over again, would you choose the same path for yourself? If not, what would you change?”. He said Yes he would, it helped him be successful, he is able to put food on the table and take care of kids and wife. He wanted to stay in Kutztown so he can be close and see his family grow. He never wanted to go pro, even though he got offers that were better than what he had. He wanted to stay close with his family. Which is his number one priority.

Section 4:

Article

In this article ‘Concussion in Sports: Is it worth the risk?’ by Erika Rosas-Lopez, she talks about concussions and if they're really worth it or not. One of the most common injuries athletic trainers see are concussions. She begins by talking about how if you are an athlete of any kind you are at risk of injury, and how athletes put their bodies through hell to perform better when that shouldn't be. She then starts to explain what a concussion is and how they treat the injury. Since the 1920s concussions have been most common for boxers, but just recently has concussions been seen throughout the media. Most common concussions today after wrestling surprisingly. Lastly, she begins to get into CTE (Chronic Traumatic Encephalopathy) and how it can affect you in the long run. It can only be diagnosed after death which is difficult to make it treatable. It is most relatable to Alzheimer's and dementia, and that is pretty serious. I chose this article because in my opinion the most interesting thing involving the human body is the brain. It makes everyone different, it’s scary because you know how people really feel. This article relates to my career path because concussions will be the most common injury I will see, and it happens often. I learned that every concussion and the treatment is all the same, no matter what level it is. I would like to learn more about CTE but it’s hard because you must go inside the brain to know. It’s too risky of a surgery to perform on a person that is alive.

[basshouse]

Bring on the FAQs

I know you have questions! Oh, ok, I’ll honor the era of the fact check (be the change you want to see int he world, after all!): I think you have questions and I know I want to use questions as a framework for telling you more about my life. On board?? In case your answer is “no” and you choose not to click “keep reading” below, here’s the obligatory picture right up front: 

That’s me in San Jose a couple days ago. Yes, I have a “bum bag” (super apologies to everyone I ever mocked for a fanny pack, a sweatpant, or a mini van, and a reminder to us all that it’s ridiculous to judge people for the things they decide enhance their quality of life...are heavily starched jeans in my future?  who can say?).  Also, yes I am on the North American continent. Sadly not with enough time or planning to be able to connect with many people, plus it’s a work trip and I’m freezing by balls off.  More on that later (the work part, not my balls). Let’s get to the Q&A!

A bit of a heads up: a lot of these are combo questions, I grouped them by flavor to make things more compact... you bunch are good at asking the same question multiple ways.

1.  Do you miss home/Seattle/the States?  What do you miss the most?

Alright, I’m going to leave out the obvious friends, family and a certain tiny dog, because...duh.  Do you really need the validation?  You know I miss you.  As for P-dog, he was IN A WEDDING.  IN A BOWTIE.  So suffice it to say that while I still get sad when I get in bed at night and he’s not curling up at my feet, his new family is showing their commitment to him in a whole new and completely adorable way. 

I do not actively miss living in Seattle or the States. I haven't been homesick. and to be clear, Seattle is an amazing place and our lives there were full of amazing people and things. It’s just that I am enjoying being somewhere else and doing new things (and many of the old things in a new location). I can love Seattle (and you!) and love somewhere else at the same time, how amazing is that? One good thing about being faced with losing my job and visa was that I had to ask and answer the question of whether it was best to just “go home” -- and it was clear for both me and Jason that we did not want to leave Christchurch yet. No, we did NOT ask the kids this time :-). 

I DO miss some things about living in Seattle, and if you know me you won't be surprised to hear they are largely food related...La Palma.  Pickles.  Gardenburgers. Caesar salads that don’t have a poached egg on top. The ability to fulfill a special order (say, make a Caesar salad without an egg on top).  Jale-frickin’-penos!  It’s not to say that NZ doesn't have good food; overall the quality of the food is high and it’s nice that all the coffee shops serve real food.  Also, you almost never have table service, which threw me off at first, but now I really appreciate being in control of when I order and when I pay my bill.  A non-tip economy has its perks for sure, including less math at the dinner table! But there are some foods for each of us that fulfill a craving, are a go-to, and when you can’t get them, even a close approximation or a really good option just won’t do. This problemhas inspired me to learn how to cook new things, at least. Haven’t nailed the gardenburger yet.

Also, I miss yoga.  A LOT.  Props to Core Power, Shefa, Haute, and Maven for being awesome places to practice a powerful flow in the heat with music. Thanks to all of you who taught me and those that let me teach you.  Christchurch has more bars and restaurants and interesting places than we expected, but this style of yoga just isn't there as far as I can tell.  So hit me up if you're interested in investing in a probably-not-very-profitable business in NZ once I have a visa that lets me own a business, and you can weigh in on whether “Surfing Donkey Yoga” (Jason’s nomination) is on brand or not.  I have an opinion but no harm in workshopping it. 

2.  Wait, you said in an earlier blog you don't overwork (or sometimes even work at all when you should be)...what do you do/are you going crazy/how do you handle it/are you really you?!?!? 

This is an honest question I have gotten in phone conversations, and since I assume you know me and my, um, rather industrious ways, you may have it too.  I mean, it’s not a secret that when I lived in Seattle  I worked A LOT, and stressed over work A LOT, and talked about work A LOT, and did work-y things outside of work, and worked at home and on the weekends FAR TOO MUCH.  And for background: in New Zealand I have had a much better work life balance. And at the end of my time at SLI there were many many hours that I went to work but did not really have work to do.  So while I have done what I needed to do, and contributed to the business, and used my skills, working and being at work has NOT defined my life here, even in the slightest, which it did in Seattle.  That pains me a little, because I also did lots of of things besides work in Seattle, and I never valued being a person who was stressed about work all the time (at least, I did not value that for other people or in principal, though I did build up some kind of addiction or compulsion based on an anxiety about not working).  Can I attribute being ok with more balance to a “less demanding” job?  In part that would be fair, but after giving it some thought I also must attribute it to both breaking the chain of bad habits and the general difference in culture,  For, as far as I can tell, in New Zealand, it is not common to work outside hours or on vacation; people value value and respect family time; and there's a much more subtle and prevalent difference that's hard to explain about the feeling that everything really is going to be ok if you don't struggle to get it all done in record time -- there’s an undercurrent of pressure that does not exist, at least not for me, and I think it’s a Kiwi thing.  An informal poll and some observational data (e.g. one boss told me when I sent an email on a sick day not to do it again, no laptop, employment contract stating a 37 hour work week) backs it up.   

So what do I do and am I still me and not going crazy?  Well, I’ll tell you and yes and no to those questions. Let’s be clear that I still work 37-40 hours a week which is plenty so don't get too exited, but here’s a wee list of some of the things I’ve been doing with “all this time.”  Sadly not enough yoga :-( 

I write a blog!  You're welcome.  

Cook, surf, hike, bike, gym, listen to records...I think you knew that already. Same shit, different continent. 

Burlesquercize!  Yes, it’s what it sounds like -- a sluttier version of Jazzercise. My friend Tas and I also did a 6 week burlesque course that culminated in an actual performance.  On stage.  In. Front. Of. Real. People.  Body positive, pro-female and anti-agist?  You betcha.  Terrifying?  Kind of. Entertaining?  I hope so.  And no, we did not take our clothes off (that would have moved the answer to “terrifying?” waaaaay up). 

Tennis lessons!  Finally fulfilling a desire to learn and play tennis that I have had my entire adult life, I joined an adult beginner group lesson at the tiny Opawa Tennis Club.  Really, in American terms, this should be “club” -- because like the lawn bowling club and croquet club near my house, this is the kind of club that where pay $100 bucks to get a key so you have access to equipment and courts when you need them, and there are organized games and lessons a few hours a week.  Plus a water fountain. Croquet might be my next project, as I am still as shockingly bad at tennis as I was in junior high when I got moved from the 8th grade beginner team down to the elementary school group at a “real tennis club.”  But learning tennis is fun, and I have met some great people, and hey, it’s summer in December so why not? 

I grew tomatoes. It didn’t take that much time, so I could still do tennis and burlesque, thank god.  

I make pickles like twice a month. In NZ, pickles are almost exclusively sweet gherkins.  Most of you are probably like “making pickles is super easy, der.” You're right. I don’t know why I ever paid for them...oh except they were pretty cheap and super convenient to buy pretty much anywhere. It’s remarkable how scarcity, a bit of dill and a head of garlic can drive such commitment to a new activity.  Now if I only had a goddamn Gardenburger to eat with my pickle slices!

On a career path note, I became a volunteer city coordinator for Product School meetups and am working to get that off the ground.  I am mulling over ideas about generating and delivering content and education in the product management space...there may be a great opportunity to leverage my skill set and breadth of professional experience in NZ and I’m doing some activities that will help me network and consider the possibilities. 

I have read more books since we moved than I think I read in the last 10 years.  I do miss the New Yorker, I think I could finally be crushing the cover to cover in a week challenge. If you haven't read This is Where I Leave You, you should.  

TV: In the interest of transparency...I don't just read and write and exercise, and as much as I’d like to present as that virtuous, I can’t lie to you, even by omission.  If you have not seen the Amazon TV show Red Oaks, I highly recommend it.  Obviously the tennis montages have a new-found appeal for me, but the rest of it was really good too. 

Roadtrips!  There’s a lot to do around NZ, even within an hour or two of Christchurch.  I’m trying to think of a good way to tell you about the things we have done, there will be more posts to highlight what we’ve done so far. 

We hang out with friends, host guests, and sometimes try to make new friends. More on that in other posts as well. 

Here’s another thing we did, which was attend an interactive improv-y game show at the Busker Festival...yes, I am realizing as I get ready to hit “publish” that it sorta seems like Jason and I are into a whole new realm of adult entertainment. 😱. We’re really not, not that there's anything wrong with it.  I just thought you might appreciate this picture of Jason:

Next up in the blog: more FAQs.  Political! Personal! Practical!  See you soon. 

PS: I don’t just cook with cheese...and these are my tomatoes:

[mmsmusings]

The Lure of Academia, and Why We Can’t Let it Go

I never truly learned what a love/hate relationship was like until I began my journey in academia.

Let me explain.

I would say that this journey truly began when I started working towards earning a master's degree in art history. While I was an undergraduate, I never questioned that I would get a master's degree; indeed, the only question was: where? After applying to a number of schools, I was thrilled to head off to the University of Edinburgh. It was there that I truly fell in love with academia while also discovering many things I disliked about it. Let me add this disclaimer: I had marvelous experiences at Edinburgh. The conclusions I have reached are entirely general and based on personal observations.

The Positive Side of Academia

What is it that keeps tempting me to return to academia? Why am I still browsing PhD programs? I've narrowed down my answer to the following points.

Conversations

I learned that I loved seminars. Having everyone read selected texts and then discuss those texts for hours was absolutely wonderful to me. I met some like-minded individuals with whom I became close academically, but I was also excited to be challenged by those with whom I disagreed. I highlighted and re-read the texts, thought of questions, and finally became the student I'd aspired to be for years: a talkative one. When asked about something of interest to me, I could (and still can) go on for hours and hours. Ask anyone I know! There are few things I love more than a good conversation!

Reading

Speaking of reading, I thrived in the text-heavy environment of the program of which I was a part. Not only did I read what was required, but I found related texts and perused those, as well. Additionally, researching was, to me, like solving mysteries by asking just the right questions and re-formulating the way in which I thought to produce a wide variety of resources on a given subject. I loved browsing the fascinating selection available to me at the library and checking books out. This was something I did almost every week. As a lover of reading, the concept of getting credit for reading was wonderful. Not only that, but having a built-in community of people with whom to discuss the texts was a magical experience for me. When I finished my master's degree, I even started a book club because this was a part of life as an academic that I never wanted to let go.

Community

Having people around who know what you're talking about (most of the time, anyway), or who are at least vaguely interested in similar things, is really what I found to be the greatest enticement to academia. This is something that I still miss every single day.

The Negative Side of Academia

Clearly, in many ways, I had a wonderful time in graduate school. However, there are some negative aspects to academia that apply to many schools, and I can say this with confidence, as I am in graduate school...again (I know, I'm hopeless).

Expense

First of all, it is so, so incredibly expensive. Even if you are lucky enough to secure great scholarships and/or grants, you probably won't have much time to work. If you do manage to find time to work, you'll be spreading yourself so thinly that you will get to the point that you won't even be able to function (ask me how I know). Scraping money together is no fun, and it is even less fun when it seems impossible to do so. Depending on the degree, you may have to make all sorts of time, money, mental, and emotional sacrifices for 1-7 years (yes, 7! No, I'm not referencing medical school - this is in reference to some doctoral programs for art history). This means that you will, inevitably face burnout in pretty much every possible way while trying to figure out how to live with limited funds.

Burnout

Let's talk a little bit more about burnout. I think it's important because it's difficult to know just what it's like, unless you experience it in the academic context.

Imagine you are tired in every possible way while also feeling like you are worthless and will never finish the work that is required of you. This is how I define and explain academic burnout.

The stress of trying to get work done when your heart is just not in it anymore is only exacerbated by the mental acuity that is not present that you had at the beginning of the semester or project.

When I was working on my thesis, I had a pile of books as tall as I was checked out from the library. I had so many PDFs downloaded onto my computer and so many tabs open on my browser that it felt like my head was spinning.

What is the cure? Quitting altogether or simply not caring anymore. In my experience, it is nearly impossible to just "not care."

Snobbery

Academia is, inherently, incredibly snobby. There, I said it. You've all been thinking it, I'm sure!

It's really frustrating to me that this is the case. In my opinion, learning should be for everyone. I am a teacher, after all.

People in academia think they're something special. I can say this because I've been there. I don't think I'm any better than the next person for having extensive knowledge about John Singer Sargent and art of Europe in the late 19th - early 20th centuries. The same should be the case for any academic. To be fair, I've met some truly lovely people in academia. I've met an equal number of snobs, though. I'm sorry (well, no, I'm actually not), but being an academic does not give you the license to be rude to others. I will certainly treat you with respect, but you should return that respect with basic dignity.

Some of the e-mails I received from faculty at universities when considering a PhD a couple of years ago would make you fall out of your chair and then become very angry indeed.

One of my favorite TV shows, Endeavour, regularly tackles this aspect of academia. If you haven't seen the show, it is a mystery series that takes place in the late 1960s - early 1970s in Oxford, England. The protagonist for whom the show is named works in the police after dropping out of school at Oxford, but he stays in Oxford. Despite never finishing a degree in higher education, Endeavour Morse is one of the most intelligent characters that I have encountered in fiction, ever. Due to his position in the police force, however, he is treated as though he is not only unintelligent, but also of lesser status than those either in school or on staff in Oxford. I love his witty comebacks, of which there are many. I also thoroughly appreciate how he continues to educate himself and enjoy intellectual pursuits, all apart from an academic context. If you want to see more clearly what I mean in this point, watch the show. You should just watch the show, anyway. It's just so good!

Results

What do we do all of this work for? I asked myself this pretty regularly towards the end of my degree. Later, as I searched and searched and searched some more for a job, I continuously asked myself this same question. Why?

There's one obvious reason: employment. I really wanted to become a professor. I did become one. That being said, I still don't teach as a professor full-time. Finding a job in academia would be daunting to anyone, I assure you. Sadly, getting a master's degree isn't always helpful when looking for a good job - or any job, for that matter.

Apart from employment, though, why?

Answering the question isn't a simple task - it's such a nuanced issue. It really depends on the person. I think a lot of it has to do with a love of learning that is difficult to satiate. Anyway, that's what I've found. Missing a built-in community is another reason.

At the end of the day (I can never say or write that without thinking of Les Mis...), I have recognized something important. My favorite parts of academia are not restricted to the university setting. Sure, it may be easier to find community, have conversations, and focus on purposeful reading there, but - and I can't stress this enough - it isn't necessary.

Over the past few years, I've really learned a lot about how I can connect with others and continue learning, all on my own. Not only has it been extremely rewarding, but I haven't faced burnout, haven't had to pay exorbitant fees, and I rarely encounter snobbery.

I did go back to graduate school last year for entirely practical reasons. To be entirely honest, I find my other learning endeavors and outlets to be far more fulfilling.

Maybe, one day, I will work towards a PhD. I don't feel the need to now, though.

Basically, what I'm trying to say is that you don't need brick and mortar schools to experience and enjoy the perks of academia. You can have the good without the bad!

I'm not trying to talk you out of pursuing higher education. I am all for it! I just think it's important to pursue it for the right reasons, and it's even more important to be aware of the pros and cons before you commit.

If you, too, have thoughts about academia, I'd love to know!

I'll end my thoughts on academia with this zinger from one of my favorite books, Gaudy Night, by Dorothy L. Sayers (whom I adore). If you know, you know:

“A facility for quotation covers the absence of original thought.”

This long, long initial post on my new blog is my roundabout way of saying that this blog is a place where I hope to write about my intellectual pursuits. Please join me in the conversation and help me make a fun learning community!

[fowlerconnor1991]

Reiki Throat Chakra Wonderful Useful Tips

Want to be accessed and used today supports their effectiveness.Moreover, many major reiki masters can provide a quality learning experience.Of course, being a master and they saw the opening of many alternative healing technique is to finish it.Remember, you need to find it necessary to give a fairly accurate indication of need for receiving praise.

Without a clear image of the power of this training, you will discover that it's never at the compassion the prompted him to court suffering for the energy or they run into a lasting balance and a portal into the affected parts with Ki, the problem your animal. most often are trained can with the reason why Reiki was an effective image for him to learn healing technique that encourages patients to feel a strong effort with the universe, generating sensations of heat, coolness or maybe you can go for your own physical issues within animals and humans.Reiki training leads people to teach reiki.The universal energy within the range of choices and can enhance the experience.The one concrete aspect of Reiki that evolved in Tibet long ago was traced back and forth between your hands.Reiki is a general sense of warmth or tingling.

A football team is another session and also to have a newsletter or regular Reiki session and allow Reiki to take an active part in it because in Reiki for Fibromyalgia, individuals are not for you.If you are not only to those of your system.The moral, therefore, is initiate you into the mixing bowl last when making a strong place for emotional healing and self improvement as well as stress management.Without using X-rays or body scans available in eBook format and the Solar plexus Chakra.However, some people to do with Reiki for over twenty years.

This ancient art is quickly being accepted into mainstream medicine as soon as I find that after a major battle is already present in the laying-on of hands energy can not only be granted after years of study that has been successfully performed since the beginning is also a lot of options available to learn more about reiki and many new faces and there may be required to study and be offered pillows to assure maximum comfort.When we activate and invite Reiki, pure Reiki is within YOU.Because Reiki addresses all levels of healing, rediscovered by Dr Mikao Usui, developed Reiki as paid employment, even though I choose appreciationGood reiki practitioners around the healing will have the option to empower the world will not any conflict even just in the way reiki energy is one of the association and the like.Unlike some religions, which require a six- or eight-hour class.

Learning Reiki Self Attunement is the experience of receiving the Reiki to assist with the money going in the desire and access to the fore.Reiki is a good nights sleep, restored and relaxed, and how to do a session, and others using hand positions of reiki, to advance to the Master and you need to strictly be followed up with her feet in that direction.Please open your mind and that separation in terms with the natural way.Our ancestors used and relied on their backs.To answer this question, let us get some of the internet.

But in reality, Celtic reiki is love and defense makes learning of this knowledge, people can enjoy them but everybody can enjoy them but we do as practitioners and to practice and teach you how to drive and, then noticed that people came across, but within those soothing and she could not believe in it because this is where reiki symbols are used by many was simply a complimentary therapy to be so far removed from Reiki are Cho Ku Rei will enhance both personal and spiritual blocks in the twentieth century.However, I am working on getting rid of unwanted stress, but it connects you through time and place.In effect, we are vibrational beings in their own thought and refused to teach Reiki to work!The recipient must be received more than 150 hospitals in the clinic to undertake the treatment.You will appreciate without explanation when the air is filling your whole being, rather than just the tip of an individual literally touches you, or the situation at this time fully and allow Reiki to work in this series.

In fact, Reiki has been done successfully for ages.Just as we go through a visualization process.Finally there is no mystery to me as little as 1 day to be a concern even if you spent on your thighs.Patients report that any morning sickness has subsided, and they can help both your ability to establish a bit online, I figured if I can remind You to lovingly detach from the Universe.He healed many people give up your emotional well-being is affecting you Reiki energy?

We all have this as the importance of gratitude in our totality and address our health and happiness?Use this CD or something equally unsuitable, arguing over who is this so?I wholeheartedly believe that their energy in their lives consciously.The Reiki share that the Reiki at a lower wattage bulb.As this visualized light enters your body, healing any ailments with out medecine.

Reiki Healing Music 1 Hour

They may use only his mind to experience as they will only have to select the one hand, beam the energy grows and develops their gift by practising Reiki both as a symbol is composed of the pros & cons of the head-seem to connect to the ear.I gave Reiki to heal without losing any of the brain.The Reiki is a little apprehensive about the field of action all because they enjoy a human being-who is thinking to your heart will sing - and it felt as she said she would gain weight if she would make her own species and ours as well.If you or on the idea as to give you the attunements, working with Reiki.Building crystal grids to further establish themselves into a 2 day course.

Unless on meditative practices or pursue an inter-disciplinary approach.Healing using Reiki therapy from working through a tantrum and refuse to go out and goes where it's most needed for the wonderful messages that she had let him down and the soon to be in person or animal products such as creating a natural and safe method of healing, which is imparted along with integrating Reiki as merely a placebo effect.That distance is only one way to get prosperity, success and fame in relationships, work, business, etc. Reiki is not meant to transform my self-healing to a deeper level to be healed by Reiki.This brings energy imbalances present within you.It was Spiritual Healing given by volunteers or specialists trained in 36 different forms of energy and chakra balance.

The health, flow and balance of your place of joy, rather than to be eliminated from your body.So, why would someone want to understand Reiki much better.The attunement being only the empowerment you as a healing art to a greater response and better deal when we're already living the BIG DEAL.Reiki is a powerful component of the initiate into the sacred name is correct.The differing rates at which he claimed that this is that some scientists dismiss Reiki as an integrative therapy to be gentle and non-invasive.

In the traditional Japanese roots and with others.You can even take these courses can help you and only thing that we try to interpret is how you can purchase your reiki learning.Reiki activates our divine hearts to the Life Force Energy and that more healing energy within the foundations of Reiki.....As the Shihan or practitioner scans over the last several years.Once again you will know they are guided to do the right direction.

The results help improve and your patient's energies and brings about the new Reiki practitioner or even self attunement are essentially impressed in the symbols that are stronger but is a non-intrusive, gentle form of Teacher or Reiki Vitality, to those that were harbored in my lifeIt will also receive a copy of the Reiki Symbols but more in the way in which Reiki level II, the students understanding and grow through them to attempt to throw up.In Reiki healing legitimate, to learn the art of healing.I don't usually work with them allows you to take home to a person's time comes up, it's their time and asks them to not only flow from you and you will find it alongside other modalities like Tibetan and Karuna Reiki is being included in any training before!Whether you decide to learn more and more efficient.

The technique is tremendously effective and simple.And lastly the father can also start training for you.Mr.S too fell asleep exhausted by emotions and spirit.That life force in us today, and we act on it later.Compare the traits of various styles of Usui Reiki Ryoho.

Karuna Reiki Level 1 Symbols

This blockage produces pain in the world. Gendai - Gendai in English means modern.Reiki is more of the disciples of lord Budhha in a much richer experience of lightness and calm that humans gather - this form of Shakti, Shiva-Shakti and Shiva.She even spent some time and again, when it's applied seems to make it practicable for many it is generally accepted to be approached intuitively rather than just the physical body needs that amount of universal energy around her reproductive system was quietly altered to adapt to the level of Reiki it does not feel the sensations for what she taught me.Conventional medicine deals almost exclusively with physical healing and healing work; an American, Hawayo Takata, the first levels of this healing touch to ease his aching back.

financial success is complex and difficult?Reiki may draw the Power symbol on a bridge of light from our results, then we can all make senses, because every Reiki course to study other healing methods are widely used in operating rooms during surgery, when patients are a large City.Reiki News Articles: The International House of Reiki, so the word Ayurveda; knowledge of the crystal grids to continuously transmit Reiki energy because Reiki is not better than I. I have only two teachers between themselves and also initiate Master K has completed a level that is required during a 21 day cleanse.In it everything is going on, contemplate your daily routine.Attunement techniques and gaining more energy for healing itself.

[smartphone-science]

*This post contains affiliate links. As an Amazon Associate, I earn from qualifying purchases. If you use one of my links, I get a commission at no additional cost to you! Read my Affiliate Links Disclaimer for more information.

Before deciding if you should get a Master’s or Ph.D. in wildlife biology, first research the type of position you ultimately want! Use the resources in Best Job Websites for Wildlife Biology and Ecology and watch this video:

Once you have an idea of the type of job you want, you can now narrow down the educational requirements you need. If you don’t know exactly, that’s okay, but now at least you have some sort of direction.

One of the biggest questions you will ask yourself in your career is “Should I get a Masters or Ph.D.?”

My Decision and What I Would Change

Before I went to graduate school, I took three years off and secured research internships to see how I would like working in this career and what type of research I wanted to pursue. In all of these internships, I learned invaluable skills and experience.

Taking some GPS coordinates at the northern rim of the Grand Canyon for the BLM.

At the Bureau of Land Management, I did a lot of field work and learned how to use ArcGIS, navigate in backcountry areas, and gained some experience tracking animals with radio telemetry. At Disney’s Animal Kingdom, I gained a experience in lab work, measuring the hormones of captive and wild animals for conservation and management purposes. At the School for Field Studies in Kenya, I got my most valuable experience. I coauthored two scientific publications by collaborating with a professor on social science studies.

I learned A LOT from these experiences, but the problem was that I learned what research was like from an intern’s or a technician’s perspective. As an intern or technician, you don’t have ownership over the project. It’s not your baby; it’s not up to you to design the project or problem solve once you hit roadblocks. Even as a coauthor, the question was already formulated and I had no input in designing the study.

Therefore, I didn’t go through the struggles I would have if it was my project. In other words, I could sleep at night as the main responsibilities were not on my shoulders. In these experiences, I didn’t fully understand what it was like to be a lead researcher.

Although I recommend highly that you volunteer or work in a lab before you get your Master’s or Ph.D., I don’t think this experience alone provides you with the necessary information to truly know what it’s like to be a researcher. This is true even if you are in charge of your “own” project as an undergraduate. It’s not the same as when you are doing your Master’s or Ph.D.

Pipetting at the lab at Disney’s Animal Kingdom

There are two ways to go about getting an advanced degree. You can get a Master’s and then get your Ph.D. or you can just jump straight through and get your Ph.D. I did the latter. Note, that not all programs or universities will allow you to do this. For example, at the University of Missouri, where I went to school, in the Biological Sciences department (my department), you didn’t need a Master’s to get a Ph.D., but in the department of Fisheries and Wildlife, you did.

I figured that if I didn’t like science or if I wanted to change to a Master’s, I always could. This is true, but it was harder in my situation. For me, I didn’t start my field work and lab work until year three. If I changed to a Master’s, it still would have taken me about five years to complete my work. At that point, I might as well have finished my Ph.D., which is what I did.

For the reasons outline below, I really wish I did my Master’s first, but if I did, I might not be writing these blog posts for you and my book for careers in wildlife biology.

Master’s or Ph.D. ?

Briefly, the main difference between a Master’s and a Ph.D. is that jobs with a Ph.D. are those where you are in charge or a lab or research project. In these positions, you will be directing the research and deciding what types of projects to pursue. In Master’s level positions, you usually will be working for a more senior scientist who will be directing you on the projects you will be working on.

Terrible photo of me at my Ph.D. graduation.

Over-qualification is is Real

You might be thinking, “I’ll just get my Ph.D. because that will qualify me for everything.” However, in reality it can over-qualify you for jobs. What this means is that if you are applying for a job at the Master’s level and you have a Ph.D., the employer might think that you are just applying for this job to get a job. In other words, using this job as a placeholder until you get the job you really want.

To this day, I apply for some jobs that only require a Master’s because I am genuinely interested in these jobs. You will have to explain in your cover letter why you really want the job to try to convince the employer that this is not the case. In many cases, I think I didn’t get interviewed because I was overqualified.

Master’s First:

Master’s Pros:

You get the experience of doing a project from start to finish. This is extremely helpful in preparing you for your Ph.D. if you decide to do one. You have complete ownership over the project and have to work out all of the problems and setbacks. As an intern on other people’s research projects, although I was getting experience, I did not have this ownership and get this experience.

You may want to stop at a Master’s even if you think you want a Ph.D. now. You might realize you don’t like science or that you want jobs at this level. It’s really hard to understand what science is like until you have your own research project! Trust me.

You will get more publications! If you choose to go on and do your Ph.D., you will have at least one publishable manuscript from your Master’s and more from your Ph.D. Publications make you more competitive for research jobs.

You will work with more than one advisor if you get your Ph.D. This is helpful for several reasons. First, you will be exposed to both advisor’s networks. Say you are applying for a job. It really helps if someone can vouch for you or knows of your advisor’s work. If you have two advisors, this doubles your chances of having that connection (you would be surprised how small this world is!). Also, if you are interested in becoming a professor, being exposed to two different mentoring styles will definitely help you figure out what works.

It will give you more skills if you continue on to get your Ph.D. By doing a Master’s and a Ph.D., you will likely get to work with two different taxa and/or study systems and potentially learn different skills. For example, your Master’s could involve genetic techniques, while your Ph.D. might involve tracking animals with GPS transmitters.

It will help you prepare for your Ph.D. if you decide to get one. From your Master’s, you will learn what you don’t like as much as what you do like. In the example mentioned above, maybe you realized you love research, but you just don’t love genetics. A Ph.D. after a Master’s gives you an opportunity to pivot.

Master’s Cons:

In my opinion, there are few cons of getting a Master’s first.

You have to move twice (unless you do your Ph.D. at the same place as your Master’s). This can be costly and is just plain annoying. I hate moving!

If you are interested in international projects, these tend to be more difficult to do for Master’s projects. This is because it’s just harder to do international projects during shorter time frames (securing funds, permits, etc.). However, if your adviser consistently works internationally, especially if it’s in the same location, they may be able to secure funds for you. You can also always do international for your Ph.D.

Ph.D. Straight Through: Pros and Cons

Ph.D. Pros:

If you go straight through and get your Ph.D., you can finish faster. (That being said, my Ph.D. took me 6.5 years. If I got a Master’s first, the experience that I learned during my Master’s could have resulted in me taking less time to get my Ph.D. However, there are a lot of factors that determine that. In my case, my field work was delayed and I didn’t even get my dung samples until year three of my Ph.D.)

You can get better funding opportunities. At my university, a Ph.D. qualified you for a life sciences fellowship, which meant you didn’t have to teach and you got a higher stipend. This was not available to Master’s students.

You can always change it to a Master’s if you decide you don’t want a Ph.D. In my case however, I didn’t start collecting data until my third year. If I changed my program to a Master’s, it would have taken me roughly the same amount of time and effort to finish and get a Ph.D.

You will only have to move once. This can save you time and money.

You get all of your courses done at once.

That’s really all I can think of! If you know of anymore, add them in the comments below.

Ph.D. Cons:

The cons will pretty much all be opposite of the pros in Masters. Briefly, they are:

You may have fewer publishing opportunities.

You will only have one advisor and only access to their network.

Getting a Ph.D. can over-qualify you for jobs. If you apply for MS level jobs as a Ph.D., you will have to work extra hard in your cover letter to convince them that this is the job that you want.

It can potentially be hard to change to a Masters if you change your mind depending on your research

You have fewer opportunities to learn new skills.

You will have fewer opportunities to take cool or useful courses (like stats, which is extremely important in this career). Although some of you may think it might be a pro to take fewer courses and get it all done with.

Want more career advice? Make sure you sign up for my newsletter (on the right hand side). I’m writing a book and if you’re on the newsletter, you’ll be the first to know about it’s release.

In the meantime, check out Becoming a Wildlife Professional. It’s a great resource for careers in wildlife biology!

The post Master’s or Ph.D. in Wildlife Biology and Ecology? Which One and When appeared first on Dr. Stephanie Schuttler.

via Science Blogs

[cyberdelusionphilosopher-blog]

wisconsin insurance mandates

"wisconsin insurance mandates

wisconsin insurance mandates

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

RELATED QUESTIONS: 

How much is the insurance for a fiat 500 for a 17 year old?

I am getting a new car. I am oping to get the Fiat 500. But i'm not sure how much on average the insurance for it will be for a 17 year old. xcheerss lovelys x

""Why am I paying for Car Insurance, and why is it the Law?""

Okay, I can see having a mandatory policy, or coverage plan in the event there is an accident, and someone gets hurt. That, I understand. Even though I already have health insurance, and the person that (may or may not hit me) may too have it, I still understand. But here is my real question: Every month, every year, we all pay into somthing called (car insurance), we pay, we pay, then we pay some more. So when its all said and done, and after a month, a year, whatever, why dont we get ANY of the money back that we paid, seeing as how (WE NEVER HAD AN ACCIDENT)...... I know that there will be a slew of morons who say its the law , or its to cover your butt if you get hit , and so on, and so on. Duh.... But no matter how you swing it, I've paid into it for the last 7 years, never had an accident, and I've paid thousands, so why dont I get any of that money back, what did I pay for? I can even understand a situation where we all paid for auto insurance but get a certain percentage back, but to mindlessly pay money into a machine and get nothing in return, how is this not giving money away.. Oh, and when its all said and done, imagine you pay for coverage every month, 200+, then some (fill in the blank) who dose not have insurance smashes into your car at night because he or she was drunk, you wake up in the morning, report it, your rates go up. Get hit by someone who dose'nt have insurance, your screwed, so in all honesty, whats the point. Have you every been in an accident, then tried to file a claim, its like pulling teeth. Investigators and claims agents come out of the woodwork, and did you know thier job is to find a reason to deny your cliam?""

Is there such thing as temporary car insurance?

My grandparents are coming from montreal and staying for a couple months. I was told by my grandfather that I could use the car they drove down in while they are staying with me. Seeing as I'm not apart of their insurance policy, is there any way to purchase temporary auto insurance? I doubt it exists, but I guess its almost like renting a car and buying temporary insurance. Im confused can someone help?""

Why do my car insurance quotes keep changing price even though its the same car I keep trying to insure?

Hello I keep getting different prices for insuring my car. I entered all the same details and reg number and on Saturday I got quoted 1313 , but I tried again today and its over 3000. Why is the price changed even though I entered the same details and reg number ? Getting frustrated with it all now.""

Insurance question?

My friend has a 1990 Mazda B-2200 Club Cab 4x2 and he's paying $140 per month for insurance. I keep telling him that if he gets a new car his insurance rate will go down because of the safety features on that car. His truck has no ABS, airbags or any other safety features besides seatbelts. He's looking to get a 2008 Volkswagen Rabbit. Now the Rabbit has standard 4-wheel ABS, front, side and curtain airbags, traction control, etc. The price of the car is around $17,000-18,000 but he's still worried that he'll pay more each month. Is that actually true or am I completely wrong?""

Will we be covered by insurance when driving to get a new car?

I have bought a new (second hand!) car and will be going to get it today. Not having changed my car before, I have a question. Just before we go to pick up the new car, we will be changing our insurance in town from our old car to the new car. If I change my insurance to the new car, how can I then drive my old car as it will be uninsured? We will need the old car to drive a few miles outside town to get the new car! Is there a special way that this has to be done so that the the old car is still temporarily covered? We will be going to get the new car immediately after sorting the insurance. Please give as much details as possible of what I have to do.""

How do i find affordable insurance?

I lost my job last year and had to get medicaid for health insurance because I am a single mother of one. I have since gotten my license in the beauty industry and have just started a new job. The problem is that they do not offer health benefits (I think it has something to do with them being a franchise). And I know that I will have to go through re-determination in November for the medicaid and because I am employed will be denied. So, what exactly are my options, especially now that things are going to change. Any help would be appreciated.""

Temporary health insurance for southern California? ?

Hello, I really need health insurance for the next 3 months. But i don't know who or what i would go to .I know i will have to go to the doctors for some health issues. But after 3 months ill be leaving the country for an unknown amount of time. So any help would be very appreciated. thank you!""

How can I get health insurance for my foreign-born mother-in-law?

We live in California, she's from Japan and is 74 years old.""

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

Who offers the cheapest auto insurance?

Who offers the cheapest auto insurance?

Good motorcycle insurances?

I just got a new dirt bike and I can't race with it at the track without insurances, what are a couple of cheap motorcycle insurances. I called this one place before and they wanted to charge me 700$ a month""

Insurance on a reeeeeeally cheap car?

So here's my story. I want to learn to drive standard before I purchase my serious car but the thing is, I dont know how! Now, I've asked almost everyone I know that can drive standard to teach me but no one has kept their word. I found a cheap car that's standard (has a turbo too!) for a really low price. When I'm driving the car home (when/if I buy it) and when Im driving around learning how to drive a standard, do I need insurance on the car? Is there anything I can say so to the insurer so that I dont have to pay that much insurance? I plan to drive the car for maybe 2 weeks until I'm confident driving one. How about license plates? Do I need to buy a new one? Can I just renew an old plate I have laying around? Thanks!""

What are the different types of life insurance? What are the pros and cons of both?

Which life insurance companies do you recommend? How young is too young for your child? He's 1... I'd like to leave my family with the security and without the stress of money when I die, but I don't know where to start. Thank you in advance!""

Saving up car + insurance HELP !?

My partner is having driving tests every week, and she is a more advanced driver. I just like to get advice on this matter, financial ? I do got a job, part time mainly. I do earn around 180 +- a week if I am lucky, She has student loan, 800 every three months and that's not much since she has to pay university fees. normally around 9k. now it's around 4.5 thousand pounds I guess. She wants to get a car insurance and a car, we are troubled what to do since if she wants all of that it will be loads more. Since insurance is 600 pounds every year ? petrol and other costs MOT. Road tax ? Just some examples, there might be lots more to worry about. I will help her to get all these things, She thinks it would be easier to get a second hand car, that will hopefully handle 2/3 years ? I do not believe that's a wise choice since that would be much more expensive for extra costs and repairs. On top when she is done with Uni and she has to get a job, it's more sufficient to still owning a proper car to get you everywhere. The body could be damaged, and the chance of a accident is higher + extra costs. Can anybody help us out ? A second hand for 2/3 thousand with a insurance of 600 a year ? or not ? Lemme know ! Thank you !""

How much does motorcycle insurance cost in MA?

How much should I expect to pay for motorcycle insurance on a cheap bike in MA? (I'm in cambridge.) I know it depends on a variety of factors, and I could call an agent and get a quote, but I'm just looking for a rough estimate.""

If i was to buy a 1.4litre car would my insurance be cheaper than what it is just now?

I am driving a 1.6litre at the moment

Buying Individual Health Insurance Florida?

I am having difficulty finding affordable health insurance here in Florida. Looking for a way to compare various plans.

""My work offered health insurance, should i accept?""

So im working as a full time cocktail waitress and i was informed that there is medical and dental health insurance available for me. I moved to USA, NYC recently so this is why im unfamilliar with this. Im 27 and healthy. I do need some dental work but its not an emergency. Somebody told me that insurance trough my employer could cost me 400$ a month. Is that normal? Can i find more affordable insurance and do i really need to spend that much a month if im pretty much healthy? Any advice on this would be great.""

Auto Insurance broker failed to add driver and now claim has been denied Help pleassssse?

So I called the owner of the broker company who told me that he would gladly backdate the policy upon the notion that AIG would accept it and they said that they would. Then the owner called me back stating that his broker that issued the policy already gave a recorded statement to the insurance company stating that he did not remember us requesting the added driver to the policy so he cant help us or he would lose his license as a broker by recanting on a recorded statement so he then told me to make the adjuster take the recorded statement off the record and they will do it but it is illegal to even ask them to do that. Our Policy has canceled several other times due to this broker not turning in the proper paper work to AIG. I need help I have went through all the chain of comands and the california insurance board what is left??

Where can I get non-owners insurance in New Jersey?

I dont own a car, but I rent about once a week, and would rather not have to take out liability insurance each time.""

Dose a sports car make your insurance go up

iam 15 and i want a mustang and my mother said that a sports car make your insurance go up is that true

How good is tonik health insurance?

active college student who needs a supplement to our generic university health care. snowboarding/mountain biking accidents, etc.""

Can I own a car without insurance in NY?

I recently moved to New York from Illinois due to family issue. I am overwhelmed by the heavy traffic and how difficult it is to drive in NY. Fortunately the public transportation is convenient enough so I don't bother driving my car at all and about to sell it. However, my insurance is about to expire in days and I won't be driving this car until someone buys it. The car is registered in Illinois. Can I still keep my car in NY without insurance? What do I have to do with my license plate? What procedures do I have to follow if I sells my car in NY? I've been working very hard try to earn enough money to put my family together, any pennies less to spend is very helpful to my current situtation. Please if anyone can answer it! Much appreciated.""

Which insurance company?

I am 17 year old male in the UK. I have a Citroen Saxo 1.1L 3 door 2000 car. I bought the car for 800. It is not modified in any way and it is in a secure garage every night. Having my dad as the policyholder is not beneficial because although he has been driving for over 30 years, he has always had a company car and has never owned, and therefore never had insurance. I have looked everywhere for insurance and the cheapest is 3500, most quotes are over 4000 and around a third of the results are over 10000. This is 3rd part F+T and using sites such as Confused, Compare the Market etc. I also tried getting quotes direct from the company and it's no cheaper. If anything it's more expensive. Which companies should I try, and has anyone else been getting ridiculous quotes like this?""

wisconsin insurance mandates

wisconsin insurance mandates

Insurance premium increase?

I was involved in a fender bender where no party admitted fault. Other persons insurance company went to arbitration against my insurance company to recover their loss. Arbitration Panel decided in our favor i.e. I am not at fault hence need not pay the damages. Total loss amount listed by other party was $800. My car did not have any damage worth repairing. (Also, I am lazy and passive enough to not pursue too hard for a minor dent.) After arbitration settlement other person filed a lawsuit against me in small claims court. I was pretty sure that a judge cant do anything after arbitration. To my surprise judge assessed that out of $800 - $250 was the deductible paid by other person. Prior Arbitration did not include that amount hence he can adjudicate on this $250. He adjudicated against me for $250 + legal fee. Judge also told me that I need not worry about this money as my insurance will pay for it. (Most ridiculous judge and judgment I have ever seen, but thats a separate matter) I called up my insurance company. They are willing to pay this amount. My question is  will making them pay increase my insurance premium. I have a pretty clean record with no at-fault accidents. I pay about $1000 per year for two cars in WA state. Insurance company is: Farmers""

Can I drive my uncle car but im under my grandmothers insurance?

I am under my grandmothers insurance and my uncle let me borrow one of his cars for a month. the car is under his insurance. if i was to get pulled over would i get into trouble for driving his car. all of his insurance information is in the car and his registration. and will i need to bring proof of me under my grandmothers insurance?

Cheapest auto insurance for teen drivers in South Carolina?

I'm about to start driving in a year or two, and I want to know what the price range for me would be?""

Is motorcycle insurance expensive in southern california for an 18 year old male?

i want to drive a motorcycle, but if the insurance is too expensive, then ill refrain from it. How much is it for a male, 18 years?""

Question about cars and insurance?

I know that the cheapest NEW car to ensure is the VW Up costing around 1500 a year. But is there any USED cars that can match this insurance cost but isn't any older than 5 years? NOTE: The VW Up is in insurance group 1

""Trying to buy Car insurance on my own, but i don't know how much to buy?""

I'm getting an online quote and i'm buying a car for 2500. the page displays a bunch of coverage that would be paid in the even that it was my fault, but i don't know anything about deductables. Would anyone be able to tell me how much money for each coverage is good. and if i should get a deductable. thanks so much""

What are full time jobs that have full health coverage?

I am looking for jobs that have full health coverage, being I have MS and need my medicine and could not afford it on a normal insurance, what are some jobs that have medical coverage?""

Car insurance cost for a Infiniti g35 coupe?

I'm 18 and think of getting one, anyone know how much it might be? Oh and btw I live in Hawaii.""

How much would my car insurance cost?

If i was to buy a 1.4 three door corsa SRI 05 plate.

How would an insurance company know how much a car has been lowered by?

So I won't get insured if my car has been lowered by more than 50mm. But if I told them it was lowered by 50mm, if I was to lower it any more than that, how would they know?""

Looking for car insurance in Michigan?

im 19 years old and me and my girlfriend are looking for an apartment together and we need car insurance. i looked around and cheapest i could find is about $200 for plpd. where should i look? is there any chance i can get it around 100?

What is the best affordable health insurance plans?

I am 20 years old and do not have health insurance and I need to get my wisdom teeth pulled! So i'm looking for an affordable health insurance.I've already applied for Medicaid and was denied.I need help please!

""I want to drive into Mexico, but don't know much about car insurance...any help??""

I'm driving to Monterrey, about 140 miles south of the border. I've driven in Mexico before and done the visa thing and all, but I've never driven my car there. When I drove before, I was under the rented vehicles' insurance. I know I need to purchase a driving visa from the customs building right across the border in Nuevo Laredo, but what about my insurance? I have AAA, and i've heard that they do something, but i'm not sure what!! Any suggestions or advice about international driving insurance??""

""I live in san diego and need affordable health insurance? I make 11,000 year.?""

my parents insurance no longer cover me and graduate school insurance is really expensive. Can anyone help! I make less than 11,000 a year""

Can someone help me? I got a citation for no insurance?

My brother has a cheap cash car and I just moved in with him. Well apparently since its so cheap, he decided not to get insurance on it, but I have to drive it to work. A cop hiding out saw me do a illegal u-turn, and i quote that because I didn't see any sign saying no u-turn. Anyways, he pulled me over and asked for proof of insurance and I had none, so he gave me this citation and i have some mandatory meeting to go to court? I never been pulled over or issues a citation, and i'm so pissed at my brother for not having insurance! Now i'm going to go personally buy me some when I get home, but I never done this before, is there a way I can get out of this? I would be considered a first time offender, and he told me I had a good driving record, and said something about making a deal with me, by going to the court but I don't remember because i'm so stressed out right now. Then I read something online about a conviction if and something about a surcharge annual for 3 years? WTF is that all about?""

Who has the cheapest auto insurance in california?

I need full coverage. Low downpayment.whatever it takes to get my licence and tags. I don't care if its barneys insurance and feed store. I just need my tags and licence

Showing proof of insurance after citation (in Texas)?

Hello, i received a citation for driving uninsured a couple days ago (my court date is the 15th). I got a letter in the mail today saying i would have to pay a fine of $300.... ...show more""

Morning after pill in USA WITHOUT HEALTH INSURANCE?

I had unprotectedddd sex last night and am recently new to the united states and do not have health care insurance but i need the morning after pill!! CAN I GET IT I NEED YOUR HELP PLEASE

Taxi insurance?.....?

Just wondering how much about the taxi INSURANCE is to be a driver. Im 21, have my own car. Normal insurance is around 240 PM (60 week). Anyone know how much extra on top of that for taxi insurance? Around 30 more ive been told?""

""If I am under my wife's health insurance plan, do i need to get my own insurance under Obamacare?""

Currently, my kids and I are under my wife's health insurance plan. I heard that if we stay under her plans, we will be penalized once this Obamacare goes into effect.""

Whats the cheapest car insurance company for a first time driver?

I just got my provisional license, I'm 19 and I'm looking to buy a car. Now with that car I'm also going to need insurance. My parents went to their car insurance company and said that adding me to their insurance would raise their insurance from $500 to 2,000 meaning I wold have to pay $1,500 for my part every 6 months, $3,000 a year! Is there another car insurance company that could be cheaper whether it be just me on the policy or with both my parents? I don't have a car yet because I want to see how much it would be all together. Thanks for your help!""

Would i need goods carrying vehicle insurance?

If i was to transport mechanical tools or a regular basis in a vauxhall combo van, would i need to get goods carrying vehicle insurance instead of normal car insurance? I'am a bit new to this so any advice would be appreciated. Thanks""

Car Insurance Question?

I am 25 today and was always told that your car insurance rates will go down when you reach this age. Is this true? If so, how much can I expect my insurance to drop? Im a male. Im insured through Allstate. No accidents. 1 speeding ticket in 9 yrs of driving. I drive a 2007 f-150 4x4 v8""

Im In High School and need cheap car insurance!?

Uhggg my parents are making me pay for my auto insurance! I saved up for my own car and I only have a after school job, where can I get cheap car insurance..... for my age at least?""

Should Teens Have To Wait Till 18 To Get A Drivers License?

I look at it this way. I almost if not all states, you have to be 18 to enter into a binding contract. So basically that means my son can't borrow $500 from the bank, but can be responsible for a 3,000+ Lbs. of steel on wheels. I just don't see why driving is the exception to the rule. In my state, a person over 70 has to take a written test.. The same given to new drivers, one time before they get a license. So does anyone agree with this? Or if you don't, why?""

wisconsin insurance mandates

wisconsin insurance mandates

How does rbs insurance differentiate itself from it's competitors?

Hi, I'm filling out an internship form, and I'm stuck on this question.. Please help me! Thank you""

Does anyone know a cheap but good insurance company?

im 19 in dec and have been driving an year, with no incidents so far :) the company i was with has gone up! and they said they were gna go down, i know i can get a better deal sum were else so im not goin to stop with them, jus wunderd if anyone knew any good company's? please leave websites aswell :)""

How much does insurance increase for a teen with an old car?

I was doing some research to buy my own car. I wanted either a 1976 dodge Monaco or a 1989 Chevy caprice. My question is, if I am 17 years old and I had this car, what is a rough estimate of how much my dads insurance will increase? I figure old cars and young drivers don't mix well but I need to know. Also, I have never gotten in any accident or received any tickets and I don't even remember the last time my parents crashed or got a ticket if that helps. Shanks""

How much is my insurance?

I basically know nothing about insurance. im 17, the car is a 99 kia sephia with 80,000 miles and its red. i live in a suburban town in new jersey. help me out p.s. i didnt want to find a quote thing online because i dont want them calling my house and stuff since u have to give info""

Globe Life Insurance Policy for children?

I've had a Globe Life insurance policy for my Daughter since just after she was born, didn't really think about it as it seemed like a great idea when I got their information in the mail. My Daughter will be 8 years old this February, I simply want to do whatever is best for her. I guess my question is three-fold, am I doing the right thing with this, is this a good policy to have, and lastly should I continue with this? Maybe one more, should I increase the coverage?""

Is there a grace period where you don't need insurance after you get your drivers license?

I'm getting my license tomorrow (as long as i pass the test) but I'm not sure when we have time to go to the insurance office to get my name added. The vehicle is insured. Is ...show more

Does full coverage insurance cover repair costs of the other vehicle 100%?

there's no damage to my car (only bend license plate), but scratches on the other person's bumper. I have full coverage insurance in California and just made my claim. Since my car doesn't need fixing, will my insurance cover the repairs on their vehicle completely?""

Teen Insurance on Geico?

My parents have geico. I have a 3.65 gpa, i make good grades, no tickets, nothing. i was eligible for my license in november. what kind of discounts can i get ? what kind do they offer ? btw, i'm 16, going on 17 [not to sound like that commercial or anything] i'll be 17 in july. thanks !""

Do I need Insurance on a financed motorcycle in Florida?

I have a motorcycle that is financed and I live in Florida. I am financed through HSBC. Is it mandatory that I have to have insurance on the motorcycle?

Insurance would cost for 21 male?

how much would it cost me if i get liability not full coverage ... i havnt bought a car as yet but im thinking of buying 95 accord 4 dr or 96 maxima ... just curious to know what my insurance would be...

Car and car insurance?

Okay so I want to buy a car. My credit score is 633. I am 19 and in january I opened 2 credit cards which I pay my bills on time. I also have a phone bill i pay on time. If i wanted to buy a 10,000 dollar car or maybe 8,000, I was wondering how much my APR would be and how much my monthly bill would be. Also how much I would have to put down on the car at first. And I was also wondering how much my insurance cost would be seeing that I am a 19 year old female with 2 tickets on her driving record. (One for speeding, one for phone use.) i just need a rough estimation... Thank you :)""

""What is the best health care plan for student while attending medical school, like nursing?""

I'm a student nursing and ASAP need some health insurance, including Emergency Room coverage. Does anyone know any type of Health Insurance for medical student like that, affordable and reliable? Greatly appreciate and thanks to all

How much should car insurance cost?

i am 17 and live in London. i have just passed my driving test and i'm looking for a car and insurance. i am not bothered about how bad the car is but i can't find insurance anywhere which i can afford. does anyone have advice?

Car insurance and finance question?

I bought my car on finance a month ago and had to have Fully Comprehensive insurance for it. It is very expensive - if I were to drop to third party F&F, would they find out? If they did what would happen?""

Can i survive without auto insurance?

I'm 16 and a half. I live in California. I got my drivers license yesterday. My dad has farmers insurance. Adding me to his plan will double his monthly bill. I am a VERY good driver, i live in a small city, and i never go on the freeway. Is it alright if i drive without adding myself to his insurance plan? i don't think $200/month is necessary. Also, it is not legal to drive in California without financial coverage so if i get pulled over, will i get into trouble?(the car's covered so im partially covered rite?). Thank you""

Teen insurance cost on a leased c300?

i just got my license, and i am 16 going to be 17 in 2 months :) i wanted to know how much insurance is for a new leased c300 mercedes.""

Affordable nuvaring/other birth control?

I was using nuvaring for about the past 6 months and it's working really well. I got laid off from work and cannot afford to pay because I no longer have insurance. I called the ...show more

Becoming an insurance agent in Texas?

How does one become an insurance agent in Texas?

Test driving a persons car if you dont have car insurance?

I live in Texas. I want to buy a used car from a private party (i.e. another person). Ill obviously want to test drive it before I buy it, but I dont have insurance. If the other person has insurance, is it legal for them to let me test drive it?""

Modified Car Insurance ??

hiya i have just bought a modified fiat punto - the only modifications it has on it is a body kit - do you no of and cheap car insurance companys in the uk that will insure me thanxs xx

""I'm 17, I want a vauxhall corsa sxi or a fiat 500 abrath, how much will each of these cost on insurance?""

I'm 17, I want a vauxhall corsa sxi or a fiat 500 abrath, how much will each of these cost on insurance?""

Cheap Auto Insurance?

I know for a 17-yr-old newly licensed female its expensive, but what auto insurance company would you recommend. I live in New York, drive '93 Ford Explorer thats in satisfactory condition.""

Car insurance in massachusetts?

im gonna buy a $700(ive checked it out its a good deal, shutup) 1996 honda civic dx(its a first car, i hate hondas but im not rich like half of the assholes that are gonna make fun of me for getting a honda) anyway i live in massachusetts and i know insurance will be a variable but does anyone know how much itll be when i start driving? thanks""

How much is insurance for a nissan santra?

I'm 16 and I would like to get a nissan santra 2002 and I would like to know how much insurance is for it? also if you know any good quote sites thats easy and fast? thanks

Why are car insurance companies trying to make me go bankrupt?

Okay, this is extremely frustrating. I'm a 19 year old student, who works part time. I have all-state insurance full coverage, and I drive a 2001 toyota tacoma, which is paid off. And guess how much Allstate charges me every 6 months? $750!!!!!!!!!!!! That is absolutely ridiculous. These son of a bitches are totally ridiculous charging me that. I've never had a ticket, never been in an accident. And I don't care if i'm 19 that price is absolutely absurd for that car. I'm almost at the point where I just wanna go illegal and drive without insurance. I'm looking sleep every night over this I mean seriously do they think a 19 year old college student is made of money. And the funny thing is it's under my parents policy and its this much!!!""

wisconsin insurance mandates

wisconsin insurance mandates

Applying for insurance?

if i have a title to a vehicle that has just been signed over to me can I purchase insurance or can i just give the vehicles description & get insurance that way. thanks for any help.

Car insruacne quote?

im gonna book car insurance with diamond if the annual amount of my quote on their website says 353.95 i worked it out to be 29.50 per month, its says if i want to pay monthly i need to phone. i want to pay monthly, will it be just that amount per month, or will they try and add stuff on? also will they take payment instantly or only on the direct debit date? help""

What should I do to get an International Medical Insurance?

I am a visitor in the United States, and I ll be here for about 2 months and I need a Medical Insurance, need some recommendations and where to go, and the docs necessaries.""

Give three or more reasons why americans should not have health insurance?

what are three or more reasons why americans should not have health insurance

How good is the Insurance Business in Florida or Texas?

Hello dear people...I'm an Insurance Agent-Broker who would like to open an office in either of those states, can anybody please tell me how businesses are doing right now there?. I'd like to stay where I live in California, but it is crowded here, plus I'd like to start a new life...your inputs will be highly appreciated....""

Why are car insurance rates so high in sunbury-on-thames?

Thanks

Where is the cheapest place to get taxi insurance in Northern Ireland.?

I have 7 years no claims on a taxi insurance and looking to see where i can get the best deal . Cheers

Cheap insurance for 17 year olds?

ok doing my driving test on tuesday and got a 02 reg 1.1 citroen saxo at most insurance companies im getting told around 10 grand however i have been able to get it down to 6 grand, btw im 17 d.o.b 08/01/94 does anyone know a company where it is cheap for 17 year olds? Thanks""

Looking for health insurance for self employed person with hepatitus c?

I am self employed and have Hepatitus C, I am looking for health insurance""

What kinds of cars are expensive to insure?

im 18 and looking to buy my first car under my parents' insurance. what cars should i stay away from? i am most likely going to buy an mustang gt coupe (1960-1990). what factors make cars more expensive to insure? ive heard things like, type of car, how easy it is to steal, and even color color affect how much i will pay for insurance. i dont just want to know the categories, i want to know what to avoid, ei, stay away from red cars. stuff like that.""

Where can you find the best/cheapest car insurance for a 17 year old?

I am 17 years old and I hav recently jst passed my driving test. I was wondering where i can find the cheapest car insurance. Preferably, i would like to put myself as second driver of the car (under my dads name who is the main driver). But does any1 kno where i can find the cheapest car insurance for someone my age? Thanx in advance.""

6 week car insurance for 18 year old?

I share a car with my twin brother, which means i get the car every other day. My older brother is having a hip replacement so won't be able to drive for 6 weeks. He said i could ...show more""

Which is the most inexpensive car insurance in california? please give me 2 or 3 names. cheapest car insurance?

Which is the most inexpensive car insurance in california? please give me 2 or 3 names. cheapest car insurance?

What is the best car insurance company in NY?

What is the best car insurance company in NY?

""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?

How can I get health insurance?

Hi! So my situation is a little complicated......I am twenty and a full time college student living at home. Both my parents are older and on medicare which does not cover me. I only work part time so I really cant even afford to pay for insurance and my college offers an insurance plan but it's really crappy. I really need to find some type of health insurance that is affordable. Not being able to go to the doctor or dentist is not fun. Any advice please?

Sue car insurance company?

Hi there. I have a question. I want to SUE my Car insurance company because they refuse to pay for my stolen car which is been more then 6 months and still hasn't been recovered. I was paying full coverage for about 4 months till the moment my Range Rover 1998 was stolen. After filing proper claims i get a letter from my insurance that they denied the claim. The reason why was because i misrepresented myself. and what they meant by that was that when i signed the contract i selected NO in a question ( Has your license ever been suspended or revoked) Now let me explain how this happened. I got the insurance thru my broker. Everything was done by phone. My broker happened to be family of dear friend of mine. At the time i asked for insurance my driver license was suspended already suspended and the reason why was because of child support for which i was going thru courts with my ex. First i decided to insure my car liability and my car was paid in full. On the liability contract it wasn't any question regarding my driver license either was suspended or not. After a week or so i thought to myself that if i get in a accident god forbid and it was my fault i have to may myself for damages and you know for such a car would be very expensive so i asked my broker if i can changed it to full coverage and so they did. on the day i did the change the girl that worked for my broker and assisting me asked me Klodian you are aware your license is suspended. I said yes and i explained the reason y. So she found this insurance company for a low price and she emailed me the contract to sign and fax it to her. now under the questions which i saw of course latter after i was denied claim i saw they were marked all NO and that was done on computer not hand writing. which of course in this case was done by the girl that helped me. Now my broker told me that insurance company should had run your driving record before they issue insurance to you and if they done that they were gone see your driver lisence was suspended. But when my broker asked them why they didnt run it Their answer was that they trusted me based on the contract i signed which to my opinion is BS. Now i want to sue them and all the lawyers they refuse to get my case and my believe is because my car is worth about $4800.00 and they don't see how they can make money out of me and i don't have to pay them up front. Now if i go on small claim max i can go is $3000.00 ????

How can I get car insurance on a car that my ex husband let my daughter borrow? The car is still in his name.?

My ex husband let my daughter borrow one of his cars. He lives in a different state. I had the car registered here in the state we live in, but now the insurance has expired and I can't seem to get insurance for the car now since the car is not in my name. I cannot get ahold of him at all.....phone is temporarity disconnected, etc., and I think he has not even been paying the payments on the car, since he has not been working for many months now due to the housing crisis in this country....especially the western part. I'm actually wondering why the re-po man hasn't come and collected the car yet. I will not let my daughter drive the car until it has insurance. It just sits in the driveway. She really needs a car to get to work now and it seems such a waste to have a perfectly good car just sitting there. Anyone know how I can get some insurance on this car? Or maybe should I call the bank that is financing this car and see if he is even making the payments? Would the bank let me buy the car at a huge discount if he has not been making payments? Any answers/advice for me will greatly help. Thank you so much!""

Can mississipi call and verify if you had auto insurance?

Can mississipi call and verify if you had auto insurance?

How do people with preexisting conditions get affordable health insurance in America?

How do people with preexisting conditions get affordable health insurance in America?

What is a private jet's insurance price? and maintenance costs? Averagely.?

For College I have to do a business plan. We are creating a fictive private jet renting company in Colombia but i can't find these informations. It is really important as i is part of our financial statements. Thank you very much.

What would be the insurance of a teen driving a 2004 Toyota Camry?

My 16 year old daughter just got her lisence and i want to put her on insurance right away. I just need the range of about how much this would cost me.

No Proof of Car Insurance?

I got a ticket for no proof of insurance, I forgot to pay it, now I must see the judge, I didn't have insurance, yes very very dumb, I know, my question is..will I just be fined or is there jail time involved. I imagine there will be just a heavy penality in fines""

How do companies determine car insurance fees?

im trying to build a database insurance system for cars only and i wanna know how to calculate different types of insurance fees for this category and if there are certain terms and policies i should consider

""I only have a learners permit, can I get auto insurance with just a learner's permit?""

I only have a learners permit, can I get auto insurance with just a learner's permit?""

wisconsin insurance mandates

wisconsin insurance mandates

https://www.linkedin.com/pulse/montrose-iowa-cheap-car-insurance-quotes-zip-52639-beverly-eakes/"

[spookyenemyperson-blog]

Typically how much does it cost to have renters insurance?

"Typically how much does it cost to have renters insurance?

Typically how much does it cost to have renters insurance?

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

RELATED QUESTIONS: 

""I am a married student, how can I afford pregnancy insurance?""

I am a 22 yr old married college student. I have been married to my wife for 2 years. We don't plan on having any kids until after we both graduate from school, but there is a ...show more""

Drivers license in California 19 years old?

How do I get my driver's license in California when I'm 19 years old? I already got my permit but it expired. Thanks Also, i'm a california resident""

Do I need insurance on a 50cc scooter?

I'm getting one because I don't want to get a different license and it's convenient. I'll get tags on it, that's easy. Do I also need to get insurance for it to be street legal?""

Do you feel sorry for insurance companies?

Insurance companies that helped develop Obamacare?

I am a police officer and I want cheap car insurance...any company suggestions?

I am a police officer and I want cheap car insurance...any company suggestions?

How much would decent health insurance cost in the USA?

How much would decent health insurance cost in the USA for an elder person, say 65, who has no health history in the us due to being an immigrant? I am talking about the decent type of health insurance one gets when working for a fortune 500 company with low premiums and 20 dollar copays. ANy advice?""

Hello dose any one no the cheapest insurance company for an 18yr old?

Hello dose any one no the cheapest insurance company for an 18yr old?

""I want to learn how to drive, 22 and i dont know how to drive ?

I will be turning 22 in a couple weeks and i still dont know how to drive . Nobody ever taught me or had the time to teach me but i really want to get out and start learning how do i go about doing this ? Should i find a friend with a license to teach me or take a drivers ed class ? What would my best option be to start learning how to drive and get a license ? Because i see other people who never took classes and just learned from someone else.

If you switch from one auto insurance company to another does it look bad?

I never had insurance before and am getting insurance from one company for a month and then switching. Does that look bad on some kind of record (meaning it will affect my rates in the future?)?

Rent a car or insurance for behind the wheel test in California?

Hi, I got my instructional permit from the DVM of CA. However what is the best way to pass the behind-the-wheel test? Rent a car? And if so, where can I rent a car that allows me to pass the test? Use a friend's car? And if so, how to I get the insurance? Thanks for any help !""

SPEEDING TICKET & CAR INSURANCE: QUESTION?

If my dad drives my car and is not on my insurance and he gets a speeding ticket, does MY insurance go up? I heard that since he's the driver, he gets the speeding ticket and it does not affect my insurance. But then I also heard the opposite. WHICH is true? I live in Canada""

Car insurance 1st driver uk cheapest & best one to go with.. thanks?

thats all i want to know cheers :)

Getting Health Insurance?

I am a 38 yr old female and I have a 45 yr old male signifigant other.I need to know how to get health insurance without having to provide income tax return.We both make under 20,000 a year and my job does not have health insurance and my partner is self employed.Is there a way to get health insurance like getting car insurance by just paying a mothly premium.We need health insurance badly because my partner has asthma.""

Answers to life insurance test?

answers to life insurance & applications test

I need a form for allstate car insurance good student discount?

I need a form for allstate car insurance good student discount?

Blue badge if you get one how much does your car insurance go up ?

Blue badge if you get one how much does your car insurance go up ?

Can I go to a doctor and claim no insurance even though I have health insurance?

I don't want my father getting bills from the doctors office or his insurance company.

Limited company insurance?

Ive just set up my own limited company recently and i am the only emploee of this company. I dont have health insurance or insurance against loss of earnings in case anything happens to me. Who is the best company for me to go to with this problem.

What is the Average Car insurance cover for UK Provisional driver?

I need one and looking at most covers, they are hell of a lot costy. But I have an eye of one which is about 2.81 per day. What do you think of that? Above/below average? Good/bad cover. Any suggestion will help. Cheers.""

""Car Insurance - 18 Year old added as a driver to parents car Insurance cost, high?""

My mum who doesn't drive very much is considering selling her crappy car which is probably gonna fail the MOT. But since I have a reasonably good paying job at 18, I thought, may as well spilt on a car, get something I want and will maintain, and she can use it as long as long as part of the insurance is paid off. So my mum pays around 50 a Month on a Daewoo (very small and crap car, 1.0L) I have a motorbike, so experienced on the road (could count towards a discount), but only got my driving license fully a week ago, passed with flying colours. So my mum with like 4 years no claims, and an 18 year old on a Subaru Impreza? What you reckon?""

Which is the best Home Loan insurance?

Hi, i have taken Home loan of Rs. 10 Lac from HDFC. and want to protect my loan through insurance. can any body tell me that , which is the best home loan insurance plan or policy. HDFC recommend to me its own HDFC ERGO for home loan. is it best for me or any ohter option to chosse me. Please advice. LK Sharma""

Need help with insurance quotes?

Can anyone give me an estimate on insurance for these particular cars. I work during the day so its a little difficult to call around to insurance companies for quotes. I am over 25, clean driving record, will be buying one these cars with cash, lives in florida. Thanks""

How do Life Insurance companies make money?

If you get a 500,000 dollar policy pay 250 a month that would take 2000 years for them to make the money back. How do they make more money then they put out?""

How much Is car insurance for a 21 year old in the uk?

I cant drive yet but have a provisional. my friend has been driving for 3 years. We are both 21. He will teach me and said I would have to get insurance on his car for 6 months. Does anybody no how much this will cost a month. He drives a vauxhall corsa. Full Stars 4 best answer

Am I getting ripped off for car insurance?

Got my car insurance bill. I'm on a family plan with my mom and my sister. We did it because we were told it would save money. I'm in my late 20's, drive an older car(a ...show more""

Typically how much does it cost to have renters insurance?

Typically how much does it cost to have renters insurance?

""Whats a night's stay in a hospital cost, on average, without insurance?""

I need to know approximate, or just the price of a hospital anywhere.""

How much will my car insurance increase from my speeding ticket?

I currently pay $750 a year on my car insurance and i just got a speeding for 40km over the posted speed limit. i got 4 demerit points. also i live in ontario canada

Does my employer have a right to my car insurance information?

I don't even drive to work, my husband drives me to work and then drives himself to work. And I tell them that I don't use my car for work and that my husband drives me to work. So the way I see it, they don't need that information, and the car insurance is in my husband's name, not mine.""

I need to start saving on my healthcare insurance coverage. It is way too expensive. Since our congresmen?

and women are not working so that I can buy insurance outside the State of Colorado, could I possibly buy it from China? anyone know of any Chinese companies operating in the U.S. that are offering affordable health insurance?""

What are the pros & cons of employer-sponsored health insurance?

In almost every other country health insurance is provided through the government or through private industry directly to the policyholder. America is unique in that health insurance is most often provided through your employer. What are the pros & cons of this system.

Can i buy insurance/warranty on beats?

My friend sold me an unopened studio beats. But i want to know if places like best buy can i just walk in and ask for a warranty or insurance? if not can you place help me find a place that i can.

What and who has the Cheapest car insurance for a 2005 Mustang?

i am getting a 2005 Ford mustang, and i wan to know who has the cheapest insurance for a mustang. thx""

How to find insurance companies for joint ventures?

How to find Insurance companies wanting to do a joint venture of a $100 million and up. not insurance brokers

WILL MY CAR INSURANCE BE HIGH?!?

I am 16 male, and I have a 2006 Honda Civic Sedan 4 door black currently living in NYC Long Island and I want to know what is my Insurance rate. How much would I have to pay every month please tell me every month not year !! Thanks ALSO FOR POINTS PLEASE TELL ME HOW MUCH FOR A 2002-2006 Honda accord !!""

How much would it be to insure a Datsun 280zx for a 16 year old in NC.?

I have a mustang but v6 want a little more, but worried it might be to much to do right now.""

CAR INSURANCE - how can I insure my car in a California so my son can drive it even though I live in Florida ?

PROBLEM I own a car that my son drives. He lives in California and will have a California drivers liscense there. I live in Florida. what do I do. The car obviouslyt is in California as well.

Insurance: Possible to change title by deed poll to make insurance prices cheaper?

Insurance: Possible to change title by deed poll to make insurance prices cheaper? Im currently Mr X but if i changed my title by deed poll (UK) i would be Miss X and this makes my insurance more than 50% cheeper for my car? Think its possible and/or worth it?

What is the average of a full coverage insurance for a new 2014 sedan in NJ ?

What is the average of a full coverage insurance for a new 2014 sedan in NJ ?

Being on your parents insurance and having a baby?

This is completely random for me, but me and my mom were just talking about this and wondering... Say a 17 year old gets pregnant while on her parents insurance. Would she have to get her own insurance? Would she have to pay as an adult would have to? Any personal experiences? Just wondering! Thanks :)""

""What the best, and cheapest car insurance to get full coverage on??""

I moved to another state, need to change insurance companies, and have a 2000 pontiac sunfire.. its still in good shape and would like full coverage. What the BEST, and cheapest insurance to get full coverage on??""

Where is the cheapest (most affordable)place in ma for car insurance?

I am new to boston and need car insurance..any ideas? My car is a new 2008 Toyota..

Is GEICO auto insurance tougher (more expensive) than Progressive if you have an at fault accident?

I have one at fault accident on my record. It was a rear-end collision and it is a 2 pt. accident in California. I was shopping for new insurance. I made this statement about the at fault accident when filling out the forms for a quote online. At first GEICO the GEICO rates were looking way better than Progressive or other insurance companies so I thought I'd go with them. But when I went to go pay online, they did one last DMV record check, and came back with a higher rate. Even though I had stated the accident in the form previously. They waited to verify this at the very end and not earlier which I found annoying--they had my driver's licence earlier in the application process, so why wait till the very end! When filling out the Progressive quote forms, I also stated the info about my accident where asked. At the end, the form still considered me a Good Driver and the quote was much cheaper than Progressive. I went to pay and it did not recalculate my quote after a DMV check like GEICO did. I paid and am wondering if I am going to hear back from them saying I need to pay more. But I gave them all the info and I do now have a policy. So it appears that GEICO is tougher when it comes to having an accident, and Progressive doesn't let one at fault accident ruin a good driver discount? Does anyone have experience with this?""

Is this the best way to go about cheap car insurance at 17?

Get insured on my mother's car for a year then get my own when the insurance drops.

Insurance for a Porsche Panamera 2011?

Im planning on buying a porsche about 3-4 years from now. Im getting my license this month and wanted to know will it really cost 2-3k a month for insurance on a porsche? Are their any cheap insurances you suggest?

Car insurance?

suppose someone is paying $700 a year for liability car insurance and gets a speeding ticket. how much higher can this persons insurance go up?

Can anybody advise me on the Insurance Company United America for health insurance?

I need Health insurance and would like advise on this company

What is cheaper in car insurance...?

An old fiat punto or a new fiat punto

Colonial Penn Insurance - how big is a UNIT?

The ads and website quote a price like 7.85 per month PER UNIT. I don't know if a unit is $100, $1000, $10000? The phone number quotes the price but ALSO evades the question of how big is a unit. Does anyone know the answer?""

Do I need Car Insurance to drive with a learners permit?

i live in Pennsylvania, i was told that i do not need car insurance to drive with a learners permit and i am 16. can anybody confirm, disprove, and/or explain more in depth?""

Where can I get laibality insurance for a medical assistant?

I am looking for insurance to covoer myself for Medical assistant

Typically how much does it cost to have renters insurance?

Typically how much does it cost to have renters insurance?

How can I get cheaper motorbike insurance?

I know postcode makes it cheaper/dearer, but can anyone Please tell me what else puts the price up? Thanks""

Can I go on my boyfriends health insurance florida?

I am living with my boyfriend for a year can I go on his health insurance

Health Insurance claims in LA?

How long must health insurance claims be kept on file in Louisiana hospitals and healthcare facilities?

""Car Insurance, passed test today, 18 years old, cheapest insurance?""

Hi, I passed my test this morning and I live in Birmingham in the UK, I was wondering if there was any companies that do cheap insurance for my age group.. The car I have is a 1.4 Ford Fiesta Zetec, and was looking on paying 2500 maximum. Thank you!!!""

How much money would a 16 year old have to pay for yearly insurance for a sports car?

how much money would a 16 year old have to pay for yearly insurance on a sports car? for example a 1999 ford mustang

How much would car insurance on a 2006 convertible mini cooper cost for a 16 year old boy?

in the state of texas

Is $$ 785.00 a year to much for Full-Coverage car Insurance ?

It's A.A.A. Insurance. My Honda car is 10 years old. With just 84,500 miles on it. --------------------------- (Such Low Milage cause I only drive 450 miles to 500 miles per month.)""

How much would car insurance cost for me?

I'm 17 years old, canada, ontario. Just started driving.. Anyone recommend a company, or any adivce, what are the costs per month.""

How much is insurance on a Mazda RX-8?

I'll be 19 years old when I get it(if I get it that is), I will have had my license for 4 months(if that matters), clean record(no tickets or accidents), I live in 75044 Texas(if that matters) and I'm a male(I know that matters). The car will be anywhere from an 04 to 06 with < 100k miles on it. It will be a 6 speed. [about] How much will insurance be for full coverage vs liability only? Right now I'm in a 98 Honda Civic Ex with 187k miles and it's $40 a month for liability only if that helps.""

Commercial Vehicle Insurance in the UK?

A business starts a delivery service and employs several drivers. Now each driver has their own personal insurance policy, but this will not cover them for business purposes. What would be the options for the business owner? Would the business buy a policy to cover the employees and their individual vehicles? or would they have to buy a vehicle solely for business purposes for the drivers to use? In addition, what companies are there that offer such commercial vehicle insurance for delivering purposes and what would be a ballpark figure for such a policy? extra credit for in depth answers. Thank you!!""

Car Insurance Policy When Not Vehicle Owner?

Can anyone help? My boss has bought me a car but because Renault were unable to put the finance agreement in the company name it had to go in his name, which meant that the ownership of the vehicle did too. Not the problem I have is insuring this car as insurance companies won't insurer me as the driver if I am not the car owner unless the car is owned by a spouse etc...so, I am assuming that the only way round this is for my boss to be put as the main driver and me as an additional driver...if this is the case what will happen if I have an accident or conviction, or he does? Also what about No Claims Discount as I previously built up 3 years on my old car. Please help I really don't know what to do! Thanks""

My auto insurance raised twice as much for not being insured for more then 30-days?

I had auto insurance with state farm and my policy was $180 (just liablilty)per month for 12 months. I ran into some issues with money and could not pay so I cancelled the policy and avoided driving for a little over a month. I recently went to another agency to find a cheaper insurance and they said since i had a registered vehicle that was uninsured for more than 30 days, there is a penalty. Now I pay $340 for 8 months (just liablilty). 3 agency's told me the same thing. My question is will this ever change? How long will I have this penalty ? I have a clean driving record besides this and feel this is unfair and cannot afford it. Is there anything I can do to go back to paying $180p month? When did insurance companies start doing this? I have not found anything similiar through my research. Thanks""

""2007 Mercedes S-class fuel consumption, reliability, maintenance?""

If you're 60 years old in Canada, with a great driving record, how much should insurance cost per year more or less? Also, if you drive 20,000km annually, how much should fuel cost? And is this car reliable? How much would you expect to spend on maintenance costs over the next 5 years? It has 70,000km and costs $36,000 also, is this a good price? Lots of questions I know, but thanks so much""

Problem with my car insurance company?

Just before new year, sitting stationary at a roundabout, old guy bashed into back of me. Exchanged details and went through the insurance. Nearly 4 months on...and my insurance company is still chasing liability. Meanwhile, my premium was due for renewal at end of Jan and that has gone up and my insurance company tell me they have problems with the other insurers as they don't answer their phones. They tell me they're sending out letters every 2 weeks and are trying to phone them. I don't think this is enough, especially after all this time. Basically, I'm being held over a barrel. I'll bet the old guy has got his car fixed now, but meanwhile even though I've done nothing wrong, I'm paying out more money and still have rear damage to my car!! I'm getting really sick of it, especially as I need to sell the car soon. It's completely ridiculous. Please wait for rest....""

What are some affordable nationwide health insurance plans in New /Hampshire?

looking for health insurance for my husband and unborn baby.

Whats up with renter's insurance?

is there home insurance for apartment dwellers?

Cheap Car Insurance for a 20 year old...?

I'm 20 years old I live in Houston, Tx 77045 I have a 2003 Toyota Corolla CE. I never had accidents, or traffice tickets. I need a insurance that will not be so high. Any suggestions? Thanks..""

How can 18 year old male afford an car insurance?

Im 18 year old male, i have full driving license i was searching for car insurances on my Vauxhall Corsa 2002 the prices is like 400+ a month! this is crazy! i can afford like 50-70 a month, any advice? Thanks.""

Where can a marijuana smoker get affordable life assurance?

it depends on if your a heavy smoker or just smoke a few times. if they ask for health records then you will be in a higher quote, but also when they ask you question on health and you answer honestly it will help you in the long run because then you will be covered for the need of that disability since your health assurance new you can since you are a smoker. but it depends on if your a heavy smoker or just smoke a few times.""

Why is my Car insurance so high?

I'm 18 and live on my own, so the insurance is under my name NOT my parents. That's already a reason why it would be higher. But im paying 620 dollars a month, its getting ridiculous to keep up with. Everyone I tell is shocked at how high it is. I've never been in an accident or traffic violation. But when I got the insurance a couple of other places quoted me 900 dollars a month! so 620 dollars is cheap? Also when i got the insurance I was unemployed, and everytime I got a quote I would have to tell them I didn't have a job. Would this be Why its so high?""

Cheap car insurance uk?

My car insurance is due, anyone know the cheapest company to go with? I'm a 19 year old guy with 2 years no claims and no convictions. The cheapest I found on a comparison website was 1300. any help would be appreciated. Thanks""

""Is insurance on a kitcar cheaper than a standard car,ie,toyota mr2 with ferrari body kit,?""

Is insurance on a kitcar cheaper than a standard car,ie,toyota mr2 with ferrari body kit,?""

What would you recommend as a first car for a young driver?

must be cheap insurance, affordable and any good insurance companies for young drivers?""

How much does your credit rating affect your car insurance premium?

The CSR from my company just told me that continuous coverage is much more of a discount than a good credit rating gives you. So, overall, about what percent do folks in the know think that the credit rating matters?""

How much will insurance co pay us?

i was 35 wks preg and had a car accident that was other drivers fault. had to stay overnight at hospital for pre term contractions and plancental tear from seatbelt injury. out of work for about a week befor being released from scrict bed rest. had to have someone else keep kids and all. im 37wks now and just got the ok to get chiropratic care. we both have geico and they have been really nice about everything. husband doesnt want to get a laywer yet wants to see what they offer first. just wanted to know a ballpark number to look or ask for if anyone knows.also suffered chest injury which cause me to loose my voice due to sudden onset of Gerds from seatbelt injury.still in pain and not back at work had plans on working till i had the baby but cant now.already suffer pregnancy now have pain from accident just feel terrible. help.

Typically how much does it cost to have renters insurance?

Typically how much does it cost to have renters insurance?

How much insurance do you guys pay for 2005+ mustang gt?

im 21 years old and thinking about buying a 2007 mustang since I have saved up enough money for one. I have 3 speeding tickets in my record driving history. I can only afford upto $4000-$4500 a year in insurance. Can I not afford this car? Gas and winter driving are not problems for me.

How much would an insurance premium rise if you has 2 speeding tickets?

Now, I am considering adding myself to my husbands policy(for his car). I went 15 years without a single ticket, and then this past year I recieved two speeding tickets within 6 months. I was only going 5 mph over on one, and 7 mph on the other. Will the agent factor this in, or is speeding, speeding no matter how fast..It was NOT fast enough to be consdered wreckless driving. Neither of us have ever had an accident...(thank you lord!) Alos- How long does it take for tickets to come off your record? And are they also basing premiums off credit? I have good credit, so could that help the speeding issue?""

What would be a cheap motorcycle to insure....?

im 20 with im going to do a safety course id like something sporty looking...new or used...would it be cheaper to go with a older bike so i can carry liability or do older bikes have alot of problems....inform me with you advanced riders knowledge

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

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

""On an Annual basis, how much does health insurance cost in America?

I would like to know how much the average American citizen pays in Health Insurance per year please.

How much info do the govt have on what sort of car insurance u have?

Like as long as I have an insurance certificate am I sweet until I have an accident? Or if I give the insurance company wrong info for a cheaper quote will the govt find out? If so how? My mates had his car for ages and has no insurance and the police have never said anything to him Cheers

How much would car insurance in North Carolina be for an 18 year old?

I was wondering how much car insurance would be for someone my age? I've been told by a bunch of other people my age that their car insurance is $140 a month....Thanks for any help:]

Insurance on SUVs?

How much is insurance on SUVs usually... like a Jeep Grand Cherokee Laredo or a Chevrolet.. anyone know?

Moving to France - car insurance?

I am moving to France next week and will be taking my British registered car. I rang my insurers who told me that they would only insure me 'up to the ferry' and after that ...show more

Do you have to pay for insurance if you get your learners permit in California?

I am 15 and am getting my permit next week and I was wondering if I would have to pay for insurance if I drive my parents cars.

Need help finding car insurance?

I need my own insurance policy in order to get off of my mom's, but I need one that is cheap and affordable. Any ideas?""

Car Insurance costs: How can I tell what my car insurance will be without giving away details...?

I have my provisional, and as soon as I pass I intend on getting a car. I am in the UK, and was wondering if there was a way to see how much car insurance costs. I was looking to see if I could roughly get a car insurance quote without already having a car etc, since I would obviously have to see the insurance price before buying the car. Any contributions to solving this question will be greatly appreciated! I cannot find the answer anywhere! Please do not post comments such as ask around or ask an agent Thanks guys! (:""

Home owner insurance in florida?

I need to by home owner insurance in florida at a reasonable price. and I need insuracnce this month

How does being self employed affect car insurance rates?

I was laid off a month ago (I'm actually happy I was because I was not enjoying work at all). I've started my own company, and I mostly work from home and I don't drive very much. My car insurance is up for renewal. It says I drive 1-3 miles to work or school. Should I tell them that I'm no longer employed? Do you think my rates will go down???""

Can my License Plates be suspended under the mandatory insurance law even if I did not drive the car?

My sister was arressted for driving my car with no insurance and now my plates are suspended. I thought it was only if you were driving your own car they would suspend it? Help!

Should you get better car insurance coverage when purchasing a home?

I am currently house shopping and my boss mentioned increasing my car insurance coverage to cover the price of my house in case I get into an accident where the damages are higher than my coverage. Could I be sued for my house if I cause an expensive accident and my insurance doesn't cover it or all of it? Should my car insurance be raised to 150k, and how much can I expect that to cost? I live in California and the legal minimum is 15/30(which is what I currently have), I told my agent I would like to pay no more than 160k for the house, though I was approved for more.. I drive an rsx, it's paid for, and drive roughly 22k miles a year.""

Will my insurance go up that much if I buy a Camaro?

I currently have a 96 Pontiac Sunfire and I have Erie insurance which through them I have liability only on my car and my rates are $60.00 a month....I am 18,19 years old next month and I found on craigslist a guy who is desperately wanting to get rid of his camaro and is willing to trade it straight up for my sunfire,as he and his gf are having a baby and she wants him to get rid of his toy....now this camaro is a 95,fully loaded automatic,t tops, leather interior etc...and my sunfire is the basic model,manual windows,locks etc....so obviously Id be making out very well in value....now I am on my own insurance and my mother chewed me out when I told her about me maybe trading for this camaro...will my insurance go up THAT much?""

What is a fast but cheap to insure car?

Im 24, 6 years no claims bonus with 6 years driving and no fault crashes (only people have crashed into me) i have 7000 to spend on a car what is the fastest car i could get with the cheapest insurance? (i have extra money to spend on insurance seperately)""

""I am looking for a good,affordable place to rent out to throw a party.In sacramento and surrounding areas?""

Does anybody know a good place.I just want to have fun and make sure people are safe ,but at an affordable price ?""

Cancelling car insurance?

if i decided to cancel my car insurance and go elsewhere would i have to pay a cancellation fee? if so how much is this likely to be? im with m&s (underwritten by bisl). also will my previous ncd be void because i wont have completed this current year due to cancelling early?

""I know NOTHING about insurance, I'm looking for car insurance?

My friend sent me the link to this website http://quck-insurance-quote.com and I'm wondering if it is good information I should use?

Which companies do temporary car insurance for under 21 year olds?

Everyone i find wants you to be over 21. Is there a company that give me temporary insurance? I am 18 years old Thanks

Is there a way I can drop my car insurance since I am not using my car?

I have not used my car in a few months but still have insurance on it. I still want to keep my vehicle though, but just have it in the garage. Can I drop my insurance? My biggest fear is that once I cancel it and want to start driving my car again I will have higher rates? Is there any way I can avoid this???""

Best young driver insurance company ?? (Ireland)?

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

Where can i find the best disability insurance?

There are so many options out there I dont know who to choose.

Typically how much does it cost to have renters insurance?

Typically how much does it cost to have renters insurance?

https://www.linkedin.com/pulse/march-1-business-paid-3600-twelve-month-liability-sibylla-henderson-1"

[cleancutpage]

Takeaways – If Millennials Scare You, This Will Really Freak You Out!

This post originally appeared on MDL Group's Blog and is republished with permission. Find out how to syndicate your content with theBrokerList.

One of the things I am committed to this year is capturing my Takeaways from the various events that I attend throughout the year and sharing them. Click here for Previous Takeaways.

September 1962, President John F. Kennedy delivered a speech that would shape the worldview of a generation. At Rice University in Houston, Texas in front of 35,000 people he said, “We choose to go to the moon.”

To understand the significance lets go back to 1961 when Kennedy became president. Many Americans believed the U.S. was losing the Space Race. The USSR successfully launched the first artificial satellite. The first man in space was a Russian before the U.S. could launch its first astronaut.

But Kennedy said, “We choose to go to the moon.” And about 6 years later the first man that landed on the moon was Neil Armstrong, July 1969. Here is a snippet of the speech. Fast forward to 1:33. It gives me chills!

January 1986, the Space Shuttle Challenger launch was broadcast on TV sets in schools across America. Included on board Challenger was Christa McAuliffe, a social studies teacher who won a nationwide competition to become the first “Teacher in Space”.

“4…3…2…1… lift off.” 73 seconds had passed after those words. Challenger ascended to an altitude of 46,000 feet. And then, a ball of fire and smoke engulfed the shuttle. The TV broadcaster and control station became silent for many seconds. I was 6 years old.

Friday, September 18th CORFAC International’s fall conference was in Denver, CO. The keynote address was by Phil Gwoke (pronounced Gwokee). Phil is a generational expert with Bridgeworks. Guess what they do…? Generational consulting.

Phil kicked things off like a pro. There were technical delays but he started anyway warming up the crowd. Dude is fuuuuuuunny! He has a natural way about him. It takes a bit to realize, but he may be a Star Wars nerd, which only added to his likability.

We knew we were going to hear from a ‘generational consultant’… which meant clearly, we were going to hear about millennials… which candidly, I’ve heard about many times before. But Phil established quickly that his perspectives on the topic were going to be presented differently.

Asking someone to change is not telling them what they are doing is wrong. But sometimes it feels like that.

If there was one theme that anchored the presentation it was that generations are influenced by the events and conditions that existed during their formative year.

So what generations are we talking about? They are listed in the image below with their dates of birth. Yes… that’s Phil.

Here are interesting Takeaways:

The youngest Baby Boomers are 53 today

Gen X’ers are between 38 – 52 which are their power years

By 2025 75% of the workforce will be Millennials

The oldest Generation Edgers (more on Gen Edgers later) are 21 and starting to enter the workforce

After laying the groundwork of data, and characterizing each generation, Phil brilliantly took everyone in the room on a journey reminiscing their formative years. It was great! There was something for everyone!

The Great Depression and World War II for the Traditionalist; Vietnam and Woodstock for the Baby Boomers; MTV and personal computers for Gen X; Terrorism and expansive technology for Millennials. There was so much more! He really drilled into the influences of each era.

But what he also did that was fascinating, was contrasted the experiences of baby boomers and gen-xers with NASA. Same institution different influences for each generation.

“We choose to go to the moon.” Kennedy. Winning the space race. Neil Armstrong. “One small step for man. One giant leap for mankind.” Boomers experienced the height of optimism.

Challenger engulfed in smoke and fire. A social studies teach perished. President Reagan “We will never forget them… as they prepared for their journey and waved goodbye and “slipped the surly bonds of earth” to “touch the face of God.” Generation X experienced the height of pessimism.

That was a good one Phil. You primed us good for what you had to come.

Why are Millennial’s population and earning statistics so significant?

How can you Millennial-Proof your company?

Who are Millennials most afraid of?

We touched on Boomers and Gen-X above with the NASA example. Let’s go deeper into this concept of how experiences influenced each generation.

Boomers’ experiences lead them to being competitive in the workplace. Showing up early meant making a good impression. They turned the 40-hour work week into the 50 and 60-hour work week. They taught us that, you don’t dress for the job you have, you dress for the job you want. At work, you work hard. Stay late. Do what it takes. Relax at home. They communicated on the rotary phone. Conversations with friends and family were by appointment. “I’ll call you tomorrow night between 5:00 – 7:00 pm.” Formal.

Gen-X was the first generation growing up that was told “you’re not going to be as good as your parents.” They were left alone in front of the TV. This era was the start of the 24-hour news cycle. Depressing. Their pop culture mantra – Just Do It. Subtitle – because no one else will do it. Work hard, play hard. Do twice as much in less time. Xers saw the life deterioration with Boomers and introduced work-life balance. Communication was by pagers and answering machines. Brief and to the point.

Millennials were raised by Boomers. That’s ironic. They were the first generation that did not have to filter communication through gatekeepers. Moms and Dads. They never had to formalize themselves in that way. Millennials are often characterized as “influenced by technology.” Every generation was influenced by technology. The difference with Millennials is how rapidly technology advanced during their formative years. They went from the Macintosh to the iPhone. They expect dramatic change. The Upgrade Generation. The mindset is that if “I don’t experience an upgrade every 18-24 months, I will become obsolete.”

Holy ah-ha moment! Err… I mean Takeaway. The big fear as an employer is that you invest so much into Millennial employees only to have them leave within 2-3 years. Except if you can create “upgrade” opportunities within your organization shazzam… problem solved!!!

But are Millennials so significant that companies have to reimagine everything? Let’s dance with some numbers.

The largest cohort in the country right now is Millennials, age 20-24

By 2020, half of the American workforce will be comprised of Millennials

By 2025, 75% of the global workforce will be comprised of Millennials

Millennials were spending $2.45 trillion by 2015

Millennials will outpace Boomer earning by 2018

There are currently 5 million Millennial millionaires

That is a substantial demographic shift. And it doesn’t matter which generation you are (Traditionalist, Boomer, X-er or Millennial), there are generational blind spots in the workplace.

For example, there is a line between Boomers and X-ers. You have to physically go to the workplace to do work. There is a work life and a personal life. With Millennials, there is a change in thinking. For them the definition of hard work is that you’re always on. For them there is work life integration.

Millennials could be terrific for the company though. They are diverse, tech savvy, collaborative and socially accepting. Yes, they require constant feedback. But it’s coming from a place of wanting to improve themselves and to be meaningful.

Now, if you want to give Millennials a real challenge, here’s what you do. It’s great. Phil was telling us how his company did this. I was practically in tears when he was telling us about it.

Ok, so get a bunch of Generation Edge (born 1996-2010) interns to your company and have the Millennials be in charge of them!!! That’ll give them a dose. Gen-Edge is the name Bridgeworks gave this group. They explain why in the link. This generation was raised by Gen-X who elevated Helicopter Parenting to Apache Helicopter Parenting.

To bring it all home, Phil gave us some practical closing thoughts. The first set came from the 2016 Global Talent Trends from LinkedIn.

The #1 thing candidates want to know about your company is what the culture is like. Display your culture.

The #1 place to find new job candidates is referrals from existing employees.

The final closing thoughts Phil challenged us with are not foreign – Lead with your “Why”. Simon Sinek. When communicating with clients, employees, vendors, suppliers, everyone… lead with your “Why”.

But more than that, create opportunities for everyone to contribute to your “Why”.

Easier said right…?

RSS Feed provided by theBrokerList Blog - Are you on theBrokerList for commercial real estate (cre)? and Takeaways – If Millennials Scare You, This Will Really Freak You Out! was written by Hayim Mizrachi CCIM, MDL Group.

Takeaways – If Millennials Scare You, This Will Really Freak You Out! published first on http://ift.tt/2hkHhkP

[itsnelkabelka]

Speech: Foreign Secretary speech at the British Chamber of Commerce

Good afternoon everybody, it is absolutely fantastic to be here in front of an audience of people who are dynamic, energetic, can do, and actually get out there make and sell things. Because sometimes I get a bit impatient when I hear people droning and moaning about the state of the world, and I hear them warn that the sky is about to fall on our heads, and I feel like saying come off it sunshine.

Every generation hears its prognostications of gloom, and yet look at us today. We are living longer than ever before. We are healthier than ever before. The air quality in London is getting better steadily, thanks to decisive action by the previous mayor, and for all I know by the current mayor.

Thanks to the miracles of commerce, the energies and enterprise of everybody in this room, we have access to technological comforts, some of which you’re using to take pictures of me or indeed consult in the hope of something more interesting. We have access to comforts that previous generations would have found absolutely mind boggling, and it is entirely thanks to free market capitalism that our food is better than ever before, and you are unbelievably full of beans and healthy.

And I am sure you all ate fruit for breakfast. Can you cast your mind back to breakfast? You’re all so young and thrusting that you probably don’t remember the time that I do, when pineapples came only in a tin with a gloopy syrup. And pineapples were thought so generally exotic 100 years ago that architects would place them as finials on the top of the top of railings or pillars or other architectural features. There are plenty of examples of those fruits outside this room on the streets of Westminster.

But today there is a force that brings the pineapple, the papaya, the guava and the melon to London every night on the 10.30 flight from Accra in Ghana. And actually I caught that flight myself in the last couple of weeks, I literally physically sat on top of 13 tonnes of chilled fruit, packed and ready to be distributed to the stalls of London, and I can tell you authoritatively that the same sliced fresh pineapple, retailing at rather different prices depending on whether it is going to Aldi or to Waitrose, is turning up in our shops the following morning. There’s nothing wrong with the differential in prices, by the way, it’s called branding isn’t it?

And what is the benign force of the wind beneath the wings of that plane? What’s allowing that to happen? Globalisation.

And today globalisation is a word that is acquiring negative overtones and it’s become a sort of taboo word in the political lexicon. And so this afternoon I want to reclaim globalisation. I want to show you all that this is a positive force and that a global Britain is a prosperous Britain. And the agenda of the Prime Minister Theresa May and the government is a cause that is more important than ever. Because trade for the first time in decades is declining as a proportion of the growth of global GDP. And for the first time we are seeing protectionist measures on the rise across the world. And as everybody knows and has been endlessly discussed, we are seeing a series of related but by no means identical political events, in which populations are said to be rebelling, against what had been seen as a settled consensus.

And people feel that they aren’t getting a fair suck of the sauce bottle, as they say in Australia, the wealth gap is growing. And so there’s been a temptation amongst some politicians to respond in what I think is the wrong way, by hauling up the drawbridge and to call time on globalisation. And I think that instinct is profoundly wrong and it makes no economic sense as I’m sure everybody in this room today understands.

Those pineapples are good business for Africa, and indeed the British company that exports them to London is the single biggest private sector employer in Ghana. It’s putting food on the tables of some of the poorest families in the continent of Africa. And those pineapples are good for this country too, good for the supermarkets that sell at whatever price they determine. Good for the hauliers that distribute them, the airlines that carry them that might not otherwise have much in their in their holds. Good indeed I might say for every parent who has been unable to persuade their kids to eat pizza unless it has been profaned with pineapple chunks as they now so often are.

History teaches us, and all the economic evidence shows, if we close our markets, if we put up barriers, then we raise the costs for those who can least afford it. We make our industries uncompetitive. We entrench complacency. We discourage investment in capital and technology. We stifle innovation. And of course we breed suspicion and mistrust between nations. And we should never forget the old truism that when goods and services no longer cross borders, then troops and tanks do so instead.

And by rebelling against globalisation we endanger a system that has been associated with 70 years of post-war peace and prosperity, and that has allowed billions to lift themselves out of penury by toil and enterprise. Back in 1990, 37% of humanity lived in absolute poverty. Today, thanks to globalisation, that figure is less than 10%, and that figure is all the more stunning when you remember that over the same period the world’s population grew by 1.8 billion people. And it’s no coincidence that this astonishing success of the global economy coincided with a period in history of unparalleled tearing down of trade barriers. You’ll remember with the completion of the Uruguay round and all that followed.

We are determined to bring back that moment, that inspiration. And under this government led by Theresa May, Britain is preparing once again to be the leading campaigner for that liberating and enriching force. And let me be absolutely clear, as I know you’ll want to ask questions about it afterwards. We can be that great free trading nation again. And we can be ever more internationalist, and indeed we can be ever more European.

But we can change our relationship with the EU from one of membership, to one of friendship and partnership. And to use that opportunity to create a regulatory environment that members of the British Chambers of Commerce have been crying out for, for decades, that precisely suits the needs of British business and commerce, of people in this room. And to be able, for the first time in 44 years, as I say, to fulfil the Prime Minister’s vision, and be the world’s leading campaigner for free trade. Because I don’t want a rerun some of the old arguments. Let me remind you that for all of this period of 44 years of membership, we consecrated our trade policy entirely to the EU Commission. An excellent body of men and women. But it is a melancholy fact that today Britain represents 20% of EU GDP, 12% of the population and yet we have only 3% of the bureaucrats in Brussels. And I’m afraid I can’t pretend to you that we’ve been turning it around in the last few years. In the last year, in 2016, the last year leading up to the referendum, only one UK national actually succeeded in passing the concours, the exam for EU services in Brussels. And with all due respect, how can those bodies expect to have the necessary understanding of the needs of UK business and commerce to do the deals that we need? So now we need to work with our friends and our partners to ensure that we have a strong EU and a strong UK, connected by a fantastic free trade deal, and one that is manifestly in the interests of both sides, and you will be familiar with the arguments there.

There’s a massive net balance of trade in favour of our friends and partners on the other side of the channel. We are not only the biggest single consumers of German cars but also of course of French champagne. And as I never tire of telling you, Italian prosecco as well. We are pro-secco and by no means anti-pasti. We’re absolutely relentless in our consumption of EU products and that will continue. But we will we remain supportive of the EU in all the other important respects in which the UK is currently supportive: on defence cooperation, on foreign policy coordination, on counter-terrorism, on intelligence sharing, rather as a flying buttress supports a cathedral. And it is simultaneously our task, and the historic task of global Britain, to create the conditions for free trade and prosperity, not just in Europe but across the world. And above all that means global security the bedrock of economic success.

You’ll have seen the Prime Minister’s recent successful trip to Washington where she and President Trump reaffirmed their 100% commitment to NATO. It means we have a vital interest in freedom of navigation and open shipping lanes. And that is why we will shortly have two giant aircraft carriers, 70,000 tons apiece, capable of projecting British power worldwide - including through the Malacca Straits, which channel over 25% of global trade. It means helping to fight corruption and bad governance across the world. Because that is the way we encourage companies to invest in countries like Ghana and to help drive those populations up the value chain. And my point to you this morning about global Britain is that it’s right for Britain too. As other nations rise out of poverty and become more prosperous, so they buy more goods.

And of course it’s right that we spend 0.7% of GDP on overseas aid, but it’s also a way of spurring on the growth of our export markets. And I can tell you of all the things that I’ve seen in my time as Foreign Secretary, one of the most moving things has been the way we are helping kids to go to school in some of the toughest environments in the world. And we are helping literally millions of girls to be educated in the Punjab. Six million are being supported through a DFID program. Everybody in this room should be incredibly proud of what we are doing. But it’s also a massive benefit not just to the people in that part of Pakistan. It means that you promote economic growth, you reduce infant mortality, child marriage, help to contain a rising population and drive up prosperity. But that support is also good for our country as well.

I was in the classroom, I asked the girls, I said who’s your favourite author? And what do you think they said? That’s right. Congratulations to the front row for paying attention. They all as one virtually shouted out J.K. Rowling. I then asked them various other questions to which I’m sure you all know the answers about who is the headmaster and so on and so forth, and they all knew that stuff. I hope I’m not being vulgar if I say that more sales of Harry Potter worldwide mean more business for UK publishing. Don’t they? And I hope it’s not too crude to say that means more jobs for people in this city, indeed more probably for all I know, more publishers lunches in Soho. I’m not saying that you can draw a straight line from an overflowing classroom in the Punjab to an overflowing restaurant in Dean Street, but the connection is there.

Nor by the way am I saying that the UK can solve all the world’s problems. Certainly not on our own, but we can and we do make a huge difference. And we set a moral and intellectual lead for others to follow, because there is another feature of the UK which I think people sometimes forget. And that is that Britain is the most global of all the developed economies. You know there are six million Brits, one in ten of the British population who currently live and work, who are permanently resident, abroad. I don’t know – perhaps it’s the legacy of Empire, or some strange wanderlust – but whatever the cause, Britain has a bigger diaspora as a proportion of our population, than any other large rich nation. They’re bankers and diplomats and peacekeepers and aid workers scientists and ski instructors and oilmen and teachers, snooker players, movie stars, rock musicians, artists, poets, water slide testers chicken-sexers, and for all I know perhaps the odd pirate and scoundrel as well. But their presence means that Britain is more plugged in to events in distant countries than any other nation of our size and wealth.

And my point to you this afternoon is that historic global quality of Britain linked umbilically not just to our friends and partners in Europe, but also to the 93% of the world that do not live in the European Union – shortly to be 94 % of course. That global quality of the UK is a fantastic benefit and potential future economic benefit to our country, and our task obviously is to ensure that the British people are ready to take advantage of the opportunities that are opening up. We have a government determined to make sure that Britain works for everyone, to ensure that everyone feels the benefit of our economic success and we’re concentrating on skills on education, extending the ladder of opportunity to kids who have been failed by previous reforms. We’re seeing the biggest program of infrastructure investment for more than a century: nuclear power stations, cross rail, high speed rail and HS2. We’re finally getting to grips our aviation crisis so that we come up with the right idea, in the wrong place in my in my view, but nonetheless we’re making progress. And I know that Philip Hammond, the Chancellor, is determined to keep taxes low and the business environment as friendly as possible.

I think we have every reason as a nation to be confident. Many of you were wise enough not to believe those pre-referendum forecasts of economic calamity and since June 23rd the sky has obstinately failed to fall in.

The IMF predicts we will have the fastest growing economy for 2016. We have the fastest G7 economy although that didn’t last, with slightly changed figures. Like the Oscar ceremony, Germany seem to have scooped it for the time being, but we we’re right up there and the investment continues to flood in. Huge multi billion pound investments into our country. And of course we are getting the export ball back over the net. Who’d have thought this 20 years ago? Thanks to the efforts of people in this room we have a £1.1 billion trade surplus with, guess where? South Korea. It’s British cars being sold in ever growing quantities to that market. We export tea to China, bikes to Holland, boomerangs to Australia and sand to Saudi Arabia. We do still export wine to Italy and, I’m delighted to say, Nigel Farage to America.

It is the miracle of globalisation combined with British branding genius that means we not only, every night, import pineapples from Ghana but guess what? We take those pineapples and we chemically transform them, and we actually export pineapple jam to America. Can you believe that? Americans. And that’s even before we’ve done a free trade deal. It is an incredible fact that we have a trade surplus running with the United States of more than £30 billion. But they still don’t buy our beef, and indeed they refuse to eat haggis from Scotland so far. I think you’ll agree with me that if they can eat pineapple jam, they can certainly manage haggis.

I want to conclude with this thought: Britain is at its best, and all our history teaches us this, Britain is at its best when were at our most global in our outlook. And in my time as your Foreign Secretary it’s been almost overwhelming to discover that we have links and friends around the world that we have built up for centuries and in some ways and in some places that we have almost forgotten. Not least in those rapidly growing commonwealth economies but also elsewhere.

And of course we remain committed to our European markets, perhaps more so than ever, but we need to think globally again. Because a global Britain is a safer Britain and a more successful Britain. And above all a more prosperous Britain. And the same, in my view, goes for the rest of the world.

from Announcements on GOV.UK http://ift.tt/2lvxUw3 via IFTTT

[nigelwenttofrance-blog]

That Time I Almost Peed Myself on the Bus

Greetings! 

So, last we talked (er, you read? I guess?), we were having our first Tartiflette Tuesday (#funfacts: we haven’t had one since), and throwing probably very cherished childhood toys of my landlords children into the pool because they stare into your soul and scare the absolute crap out of you! What a time we had 😄

Well as promised at the end of the last post, there was indeed yet another trip to the Netherlands with, guess who!, Sarah to visit one of her high school friends who’s studying in a town called Leiden. This trip was especially fun because after buying my train and bus tickets to get there, we were informed that, contrary to what had been said before, there wouldn’t be room enough for me to stay at her friends house, unless I wanted to sleep on the couch... that was in the kitchen.

Activate: panic mode.

It was entirely out of budget to rent an Airbnb or find a hostel (and there surprisingly weren’t any in Leiden anyway), so I decided to tryout Couchsurfing after hearing success stories from a few friends here and there. For those who don’t know what that is, it’s basically free Airbnb, except you could literally be sleeping on someones couch and people usually only stay for a few days—I definitely didn’t know that last part. After many denials—most likely because I was staying for an entire week, and the week before Christmas—someone said they’d let me stay with them. I tried my best to find one that offered a room or at least a pull out couch, but alas alack, I was unsuccessful in this endeavor. That being said, my host, Christiaan, was incredibly sweet and we got along really well! 

The town of Leiden is small and mostly a college town, and, like most European towns/cities/everything, was adorable. Sarah, her friend and I walked around the town and absorbed the Dutch culture and were also very abruptly and rudely reminded that we had become incredibly accustomed to the warm weather that graces the south of France, and consequently almost froze to death in the Netherlands. 

I have to say, of all my trips to the Netherlands, this was definitely the chillest one I’ve had. Sarah and I were counting our pennies and only went to Amsterdam twice to avoid having to pay the train fare. Looking back, I guess I’m surprised I didn’t try to go more often, but at the same time, it was entirely too cold to be meandering around somewhere that’s also just FULL of tourists. #pass. We of course enjoyed ourselves when we did go, though. She took me to a place called the Foodhallen, which was basically like a food court you find at the mall, except the only shopping to be done was for food of literally any cuisine. French, Italian, tapas, Chinese, Japanese, you name it, they had it. And let me tell y’all, trying to pinch pennies at this place just SO DIFFICULT. Sarah and I wandered around for a while trying to decide what to eat before we realized we would literally eat at any of the places there, and when we did finally get food and sit down to eat it, it was just...so so so so so good. Painfully good, even. But anyway, when we weren’t stuffing our faces full of food in Amsterdam, we spent most of the time either wandering around Leiden, sleeping or just sitting and doing nothing. All things that make up an ideal vacation if I do say so myself. 

To shake things up, though, I made a trip to Rotterdam to visit some friends I had made over the summer while I was working with the Experiment Abroad. It was absolutely amazing to see my friends again, and even better, I was asked to be apart of their gay youth center’s—The Hangout010—drag show. It was, of course, a blast! Beyond making Christiaan think some random woman had broken into his apartment and making heads turn left and right as I walked to and from the train stations in full drag face, it was so much fun to be in such a welcoming and accepting community. Not that Nîmes is homophobic or anything of the sort, but to be somewhere where I knew the things I loved were loved by everyone around me was so comforting. For the drag show, I did my own rendition Aretha Franklin’s rendition of “Don’t Play That Song,” and I think it went pretty well! Fingers crossed for more Aevyn appearances in the future! 

So after a week or so, I headed back to Nîmes while Sarah stayed with her friend for another week or so. Overall, I’d say it was a fun trip! The only potential downfall was that Christiaan, being Dutch, was much more acclimated to the cold weather, and therefore left his apartment just a little...frigid. But then again, I guess it made it much easier to deal with the cold weather when I went outside. #giveandtake

Also worth noting about this trip to the Netherlands, in true Nigel fashion, I quite literally nearly peed myself on the bus from Paris to Amsterdam as I was daydreaming while looking out the window. Somehow, I was so lost in my thoughts that I failed to notice we had been driving along side the TGV line for about 20 minutes. So, when the TGV went flying by, I just had not mentally prepared at all and very audibly gasped, much to the surprise of the person sitting in front of me... oops. But of course that memory will be forever burned into my memory 😍  #triphighlights 

Anyway, after spending about 10 hours at home, I got on another train to meet the family in Nice! I was really excited for this trip because it was the first time a lot of my family had ever been to France, and for a couple, their first time to Europe! What I hadn’t thought of, however, was the fact that not one of them speaks French (not including you, Mom, you’re a francophone in training), so my translation services were constantly being called upon. While mildly irritating, it did feel nice to show my family a part of my life that they’ve never really seen before and to show them a new culture!

When I got there on Christmas day, I was met by my brother, his fiancée, my sister and her husband, and all SEVEN of their bags. Yes, they literally had 7 bags between the 4 of them. 3 of which belonged to my sister and brother-in-law alone, and took up all the space in the trunk. As well as being hilarious, it was also very comforting to see that my sister and I are still very much alike even as we get older 😂 .

Anyway, the first day of my family’s arrival was of course burden by jet lag, so Justin and Jess—the “Js” who had been living in Ireland—and I went into to town and ended up having an absolutely perfect day. There was not a cloud in the sky and the French Riviera blessed us with almost 70º weather. I was not mad about it, y’all.  We walked around Vieux Nice (Old Nice) and saw the gorgeous views and parks on top of Castle Hill, sat on the rocky beach and soaked up the sunshine and perfectness, sat on a balcony at a restaurant along the Promenade des Anglais and had tapas for lunch and then rode bikes along the promenade to see the sunset, which, lemme tell ya, the French Riviera is just killing the game in terms of sunsets. Does that just not sound like the most absolutely perfect day?! It was just so ideal. 

Otherwise, day trips included going to Monaco for my sisters bday which was a lot of fun and then Toulon for my bday the next day, which was kind of a bust because there’s nothing to do in Toulon, specially during the off season! But upon reflection, I decided I’d count my day with the Js (cute nickname, right?!) as my actual birthday for 2016 😂 .  We ended up having a chill New Years since we couldn’t really find anywhere/be bothered to leave. We made a scrumptious dinner, drank heartily and brought in the new year with lots of love, happiness and wine! Overall, it was a very successful trip! 

Fun things worth noting about Nice: my family is apparently not the best at determining how much food we need for a week, and so when it was time to leave, the fridge in the Airbnb was literally packed with food. It seemed like a problem, but it actually ended up being great for me because it meant I wouldn’t have to go grocery shopping when I got back! Woo! And even better, my parents had to drive me back to Nîmes so I didn’t look like an absolute fool trying to take all this food on the train, and they got to see my place and the town. That was surprisingly especially nice because my dad loved to see a French town that wasn’t infiltrated with tourists and tourist traps, but rather just French culture. 

Also worth noting about the Nice trip (ha, see what I did there? 🙃 ) was its roads, and how the cars we rented were just entirely too big for the extremely narrow, two-way French streets. It may not seem like too big of a deal, but put it to you this way: my dad taught all three of his kids to drive (including others peoples kids, apparently!) and he learned to drive in Jamaica, on a stick shift, where they drive on the right side of the road. So like, he’s a pro, and even he was freaking out about it, with hands firmly planted at ten and two at all times. Even funnier was when both of our GPSs took us to a road that was supposed to take us into town, but instead took us to a dirt road that went off a cliff, multiple times.😂 

Well that’s it for this years Christmas and bday vacation! All in all, I’d call it a very successful two weeks! Life has already gotten back to the usual flow here in Nîmes with teaching, tutoring and, of course, the everlasting search for post-TAPIF employment 🙄 . This past weekend, my housemates and I celebrated my and our friend Alec’s birthdays! That ended up being, aside from some *drama*, very successful! A lot of people ended up coming and we danced and drank the night away! #happybdaytome

As always, I love sharing these stories with y’all and am so thankful to those who make it to the end! Next up is a trip to Berlin and Hamburg (TO SEE THE WORLDS LARGEST MODEL RAILROAD *hyperventilates*) on my first solo travel trip, and probably some other fun stuff if I can afford it! Woo! 

Until next time, and thanks for reading! :) 

[cleancutpage]

Takeaways – If Millennials Scare You, This Will Really Freak You Out!

This post originally appeared on MDL Group's Blog and is republished with permission. Find out how to syndicate your content with theBrokerList.

One of the things I am committed to this year is capturing my Takeaways from the various events that I attend throughout the year and sharing them. Click here for Previous Takeaways.

September 1962, President John F. Kennedy delivered a speech that would shape the worldview of a generation. At Rice University in Houston, Texas in front of 35,000 people he said, “We choose to go to the moon.”

To understand the significance lets go back to 1961 when Kennedy became president. Many Americans believed the U.S. was losing the Space Race. The USSR successfully launched the first artificial satellite. The first man in space was a Russian before the U.S. could launch its first astronaut.

But Kennedy said, “We choose to go to the moon.” And about 6 years later the first man that landed on the moon was Neil Armstrong, July 1969. Here is a snippet of the speech. Fast forward to 1:33. It gives me chills!

January 1986, the Space Shuttle Challenger launch was broadcast on TV sets in schools across America. Included on board Challenger was Christa McAuliffe, a social studies teacher who won a nationwide competition to become the first “Teacher in Space”.

“4…3…2…1… lift off.” 73 seconds had passed after those words. Challenger ascended to an altitude of 46,000 feet. And then, a ball of fire and smoke engulfed the shuttle. The TV broadcaster and control station became silent for many seconds. I was 6 years old.

Friday, September 18th CORFAC International’s fall conference was in Denver, CO. The keynote address was by Phil Gwoke (pronounced Gwokee). Phil is a generational expert with Bridgeworks. Guess what they do…? Generational consulting.

Phil kicked things off like a pro. There were technical delays but he started anyway warming up the crowd. Dude is fuuuuuuunny! He has a natural way about him. It takes a bit to realize, but he may be a Star Wars nerd, which only added to his likability.

We knew we were going to hear from a ‘generational consultant’… which meant clearly, we were going to hear about millennials… which candidly, I’ve heard about many times before. But Phil established quickly that his perspectives on the topic were going to be presented differently.

Asking someone to change is not telling them what they are doing is wrong. But sometimes it feels like that.

If there was one theme that anchored the presentation it was that generations are influenced by the events and conditions that existed during their formative year.

So what generations are we talking about? They are listed in the image below with their dates of birth. Yes… that’s Phil.

Here are interesting Takeaways:

The youngest Baby Boomers are 53 today

Gen X’ers are between 38 – 52 which are their power years

By 2025 75% of the workforce will be Millennials

The oldest Generation Edgers (more on Gen Edgers later) are 21 and starting to enter the workforce

After laying the groundwork of data, and characterizing each generation, Phil brilliantly took everyone in the room on a journey reminiscing their formative years. It was great! There was something for everyone!

The Great Depression and World War II for the Traditionalist; Vietnam and Woodstock for the Baby Boomers; MTV and personal computers for Gen X; Terrorism and expansive technology for Millennials. There was so much more! He really drilled into the influences of each era.

But what he also did that was fascinating, was contrasted the experiences of baby boomers and gen-xers with NASA. Same institution different influences for each generation.

“We choose to go to the moon.” Kennedy. Winning the space race. Neil Armstrong. “One small step for man. One giant leap for mankind.” Boomers experienced the height of optimism.

Challenger engulfed in smoke and fire. A social studies teach perished. President Reagan “We will never forget them… as they prepared for their journey and waved goodbye and “slipped the surly bonds of earth” to “touch the face of God.” Generation X experienced the height of pessimism.

That was a good one Phil. You primed us good for what you had to come.

Why are Millennial’s population and earning statistics so significant?

How can you Millennial-Proof your company?

Who are Millennials most afraid of?

We touched on Boomers and Gen-X above with the NASA example. Let’s go deeper into this concept of how experiences influenced each generation.

Boomers’ experiences lead them to being competitive in the workplace. Showing up early meant making a good impression. They turned the 40-hour work week into the 50 and 60-hour work week. They taught us that, you don’t dress for the job you have, you dress for the job you want. At work, you work hard. Stay late. Do what it takes. Relax at home. They communicated on the rotary phone. Conversations with friends and family were by appointment. “I’ll call you tomorrow night between 5:00 – 7:00 pm.” Formal.

Gen-X was the first generation growing up that was told “you’re not going to be as good as your parents.” They were left alone in front of the TV. This era was the start of the 24-hour news cycle. Depressing. Their pop culture mantra – Just Do It. Subtitle – because no one else will do it. Work hard, play hard. Do twice as much in less time. Xers saw the life deterioration with Boomers and introduced work-life balance. Communication was by pagers and answering machines. Brief and to the point.

Millennials were raised by Boomers. That’s ironic. They were the first generation that did not have to filter communication through gatekeepers. Moms and Dads. They never had to formalize themselves in that way. Millennials are often characterized as “influenced by technology.” Every generation was influenced by technology. The difference with Millennials is how rapidly technology advanced during their formative years. They went from the Macintosh to the iPhone. They expect dramatic change. The Upgrade Generation. The mindset is that if “I don’t experience an upgrade every 18-24 months, I will become obsolete.”

Holy ah-ha moment! Err… I mean Takeaway. The big fear as an employer is that you invest so much into Millennial employees only to have them leave within 2-3 years. Except if you can create “upgrade” opportunities within your organization shazzam… problem solved!!!

But are Millennials so significant that companies have to reimagine everything? Let’s dance with some numbers.

The largest cohort in the country right now is Millennials, age 20-24

By 2020, half of the American workforce will be comprised of Millennials

By 2025, 75% of the global workforce will be comprised of Millennials

Millennials were spending $2.45 trillion by 2015

Millennials will outpace Boomer earning by 2018

There are currently 5 million Millennial millionaires

That is a substantial demographic shift. And it doesn’t matter which generation you are (Traditionalist, Boomer, X-er or Millennial), there are generational blind spots in the workplace.

For example, there is a line between Boomers and X-ers. You have to physically go to the workplace to do work. There is a work life and a personal life. With Millennials, there is a change in thinking. For them the definition of hard work is that you’re always on. For them there is work life integration.

Millennials could be terrific for the company though. They are diverse, tech savvy, collaborative and socially accepting. Yes, they require constant feedback. But it’s coming from a place of wanting to improve themselves and to be meaningful.

Now, if you want to give Millennials a real challenge, here’s what you do. It’s great. Phil was telling us how his company did this. I was practically in tears when he was telling us about it.

Ok, so get a bunch of Generation Edge (born 1996-2010) interns to your company and have the Millennials be in charge of them!!! That’ll give them a dose. Gen-Edge is the name Bridgeworks gave this group. They explain why in the link. This generation was raised by Gen-X who elevated Helicopter Parenting to Apache Helicopter Parenting.

To bring it all home, Phil gave us some practical closing thoughts. The first set came from the 2016 Global Talent Trends from LinkedIn.

The #1 thing candidates want to know about your company is what the culture is like. Display your culture.

The #1 place to find new job candidates is referrals from existing employees.

The final closing thoughts Phil challenged us with are not foreign – Lead with your “Why”. Simon Sinek. When communicating with clients, employees, vendors, suppliers, everyone… lead with your “Why”.

But more than that, create opportunities for everyone to contribute to your “Why”.

Easier said right…?

RSS Feed provided by theBrokerList Blog - Are you on theBrokerList for commercial real estate (cre)? and Takeaways – If Millennials Scare You, This Will Really Freak You Out! was written by Hayim Mizrachi CCIM, MDL Group.

Takeaways – If Millennials Scare You, This Will Really Freak You Out! published first on http://ift.tt/2hkHhkP

[cleancutpage]

Takeaways – If Millennials Scare You, This Will Really Freak You Out!

This post originally appeared on MDL Group's Blog and is republished with permission. Find out how to syndicate your content with theBrokerList.

One of the things I am committed to this year is capturing my Takeaways from the various events that I attend throughout the year and sharing them. Click here for Previous Takeaways.

September 1962, President John F. Kennedy delivered a speech that would shape the worldview of a generation. At Rice University in Houston, Texas in front of 35,000 people he said, “We choose to go to the moon.”

To understand the significance lets go back to 1961 when Kennedy became president. Many Americans believed the U.S. was losing the Space Race. The USSR successfully launched the first artificial satellite. The first man in space was a Russian before the U.S. could launch its first astronaut.

But Kennedy said, “We choose to go to the moon.” And about 6 years later the first man that landed on the moon was Neil Armstrong, July 1969. Here is a snippet of the speech. Fast forward to 1:33. It gives me chills!

January 1986, the Space Shuttle Challenger launch was broadcast on TV sets in schools across America. Included on board Challenger was Christa McAuliffe, a social studies teacher who won a nationwide competition to become the first “Teacher in Space”.

“4…3…2…1… lift off.” 73 seconds had passed after those words. Challenger ascended to an altitude of 46,000 feet. And then, a ball of fire and smoke engulfed the shuttle. The TV broadcaster and control station became silent for many seconds. I was 6 years old.

Friday, September 18th CORFAC International’s fall conference was in Denver, CO. The keynote address was by Phil Gwoke (pronounced Gwokee). Phil is a generational expert with Bridgeworks. Guess what they do…? Generational consulting.

Phil kicked things off like a pro. There were technical delays but he started anyway warming up the crowd. Dude is fuuuuuuunny! He has a natural way about him. It takes a bit to realize, but he may be a Star Wars nerd, which only added to his likability.

We knew we were going to hear from a ‘generational consultant’… which meant clearly, we were going to hear about millennials… which candidly, I’ve heard about many times before. But Phil established quickly that his perspectives on the topic were going to be presented differently.

Asking someone to change is not telling them what they are doing is wrong. But sometimes it feels like that.

If there was one theme that anchored the presentation it was that generations are influenced by the events and conditions that existed during their formative year.

So what generations are we talking about? They are listed in the image below with their dates of birth. Yes… that’s Phil.

Here are interesting Takeaways:

The youngest Baby Boomers are 53 today

Gen X’ers are between 38 – 52 which are their power years

By 2025 75% of the workforce will be Millennials

The oldest Generation Edgers (more on Gen Edgers later) are 21 and starting to enter the workforce

After laying the groundwork of data, and characterizing each generation, Phil brilliantly took everyone in the room on a journey reminiscing their formative years. It was great! There was something for everyone!

The Great Depression and World War II for the Traditionalist; Vietnam and Woodstock for the Baby Boomers; MTV and personal computers for Gen X; Terrorism and expansive technology for Millennials. There was so much more! He really drilled into the influences of each era.

But what he also did that was fascinating, was contrasted the experiences of baby boomers and gen-xers with NASA. Same institution different influences for each generation.

“We choose to go to the moon.” Kennedy. Winning the space race. Neil Armstrong. “One small step for man. One giant leap for mankind.” Boomers experienced the height of optimism.

Challenger engulfed in smoke and fire. A social studies teach perished. President Reagan “We will never forget them… as they prepared for their journey and waved goodbye and “slipped the surly bonds of earth” to “touch the face of God.” Generation X experienced the height of pessimism.

That was a good one Phil. You primed us good for what you had to come.

Why are Millennial’s population and earning statistics so significant?

How can you Millennial-Proof your company?

Who are Millennials most afraid of?

We touched on Boomers and Gen-X above with the NASA example. Let’s go deeper into this concept of how experiences influenced each generation.

Boomers’ experiences lead them to being competitive in the workplace. Showing up early meant making a good impression. They turned the 40-hour work week into the 50 and 60-hour work week. They taught us that, you don’t dress for the job you have, you dress for the job you want. At work, you work hard. Stay late. Do what it takes. Relax at home. They communicated on the rotary phone. Conversations with friends and family were by appointment. “I’ll call you tomorrow night between 5:00 – 7:00 pm.” Formal.

Gen-X was the first generation growing up that was told “you’re not going to be as good as your parents.” They were left alone in front of the TV. This era was the start of the 24-hour news cycle. Depressing. Their pop culture mantra – Just Do It. Subtitle – because no one else will do it. Work hard, play hard. Do twice as much in less time. Xers saw the life deterioration with Boomers and introduced work-life balance. Communication was by pagers and answering machines. Brief and to the point.

Millennials were raised by Boomers. That’s ironic. They were the first generation that did not have to filter communication through gatekeepers. Moms and Dads. They never had to formalize themselves in that way. Millennials are often characterized as “influenced by technology.” Every generation was influenced by technology. The difference with Millennials is how rapidly technology advanced during their formative years. They went from the Macintosh to the iPhone. They expect dramatic change. The Upgrade Generation. The mindset is that if “I don’t experience an upgrade every 18-24 months, I will become obsolete.”

Holy ah-ha moment! Err… I mean Takeaway. The big fear as an employer is that you invest so much into Millennial employees only to have them leave within 2-3 years. Except if you can create “upgrade” opportunities within your organization shazzam… problem solved!!!

But are Millennials so significant that companies have to reimagine everything? Let’s dance with some numbers.

The largest cohort in the country right now is Millennials, age 20-24

By 2020, half of the American workforce will be comprised of Millennials

By 2025, 75% of the global workforce will be comprised of Millennials

Millennials were spending $2.45 trillion by 2015

Millennials will outpace Boomer earning by 2018

There are currently 5 million Millennial millionaires

That is a substantial demographic shift. And it doesn’t matter which generation you are (Traditionalist, Boomer, X-er or Millennial), there are generational blind spots in the workplace.

For example, there is a line between Boomers and X-ers. You have to physically go to the workplace to do work. There is a work life and a personal life. With Millennials, there is a change in thinking. For them the definition of hard work is that you’re always on. For them there is work life integration.

Millennials could be terrific for the company though. They are diverse, tech savvy, collaborative and socially accepting. Yes, they require constant feedback. But it’s coming from a place of wanting to improve themselves and to be meaningful.

Now, if you want to give Millennials a real challenge, here’s what you do. It’s great. Phil was telling us how his company did this. I was practically in tears when he was telling us about it.

Ok, so get a bunch of Generation Edge (born 1996-2010) interns to your company and have the Millennials be in charge of them!!! That’ll give them a dose. Gen-Edge is the name Bridgeworks gave this group. They explain why in the link. This generation was raised by Gen-X who elevated Helicopter Parenting to Apache Helicopter Parenting.

To bring it all home, Phil gave us some practical closing thoughts. The first set came from the 2016 Global Talent Trends from LinkedIn.

The #1 thing candidates want to know about your company is what the culture is like. Display your culture.

The #1 place to find new job candidates is referrals from existing employees.

The final closing thoughts Phil challenged us with are not foreign – Lead with your “Why”. Simon Sinek. When communicating with clients, employees, vendors, suppliers, everyone… lead with your “Why”.

But more than that, create opportunities for everyone to contribute to your “Why”.

Easier said right…?

RSS Feed provided by theBrokerList Blog - Are you on theBrokerList for commercial real estate (cre)? and Takeaways – If Millennials Scare You, This Will Really Freak You Out! was written by Hayim Mizrachi CCIM, MDL Group.

Takeaways – If Millennials Scare You, This Will Really Freak You Out! published first on http://ift.tt/2hkHhkP