#selling these should help me to buy the correct version from a different company cause the one i bought these from has ghosted me T^T

[wikifido]

Chapter 1 (Karoleena)

Karoleena had cleared the table, sorting her mess of parts into two groups. One was arcane wiring-related items like wires, foci, and resistors; the other was more mechanical: gears, pistons, and rods. She had also gingerly replaced the Pick Spanners and their sockets in their ornate carrying case to avoid losing them. 

Mwaxanare’s chef had brought their midday meal by; it was once again a pepper of some kind charred and stuffed with a mixture of meats, vegetables, and fruits heavily spiced to the degree that it caused both her and Duvanith’s faces to go flush red and their eyes to water. There was little doubt in Karoleena’s mind that this was a request of Mwaxanare to her cook, just a little something to make her stay here as uncomfortable as possible.

‘No matter the meal served, a Lady should endeavor to finish at least two-thirds of the plate.’ Madam Keentree, Court Governess 

Karoleena couldn’t help but wonder if Duvanith had imparted their Governesses words to Mwaxanare, and she had decided to weaponize their deeply engrained etiquette. 

“Karoleena?” Mwaxanare asks. Karoleena swallows her bite, does her best to clear the spice from her nose with a little cough, and then responds. 

“Yes?” 

“What can you tell me about the politics of Ilmerryite in the Empire? Duvanith has told me some, but I would appreciate your perspective.” 

“Oh!” Karoleena places her utensil down, some excitement in her voice. She was pleased Mwaxanare asked her something that made her feel she could be helpful. Since arriving, she had continuously felt like a burden and a risk, something she hadn’t realized she had paid for passage to Choilit; she hadn’t known that there had been a bloody coup in Port Currington, that a Royal line was claiming dominion over it, or that her childhood friend had once again taken up work inside of a Royal Court, albeit a very different one. With the specter of that misunderstanding looming over her, any small feeling of being a help would certainly lift her spirits. “Well, before Lady Ashsnap made me a full-on political prisoner, I did catch that the price of it was driven up before the Curse had even ended. Noble families believed that an Adventuring Company or the Arbiters would put an end to the Curse and they could restore whatever or whoever they had lost.” 

Karoleena lingers on that last sentiment, ‘Who’ they had lost. She had lost Edmerton, and even with access to Ilmerryite, she couldn’t get him back. 

“I see. And would you say those buying and holding Ilmerryite began expending it once the Curse was over?”

“By that point, I was on my third time through Academy of Romance stunner `Clerical Error,’ but I would imagine so.”

Karoleena said sarcastically about the book; she watched Mwaxanare think about what she had said but changed the topic. 

“Jet Landier and Tieren Rasgod are protagonists, correct? We have them through sometimes.”   

“Jet Landier and Teflorna Rasgod I think.” Karoleena corrects, adding the ‘I think’ to be less confrontational. She had read the book multiple times and knew all the major beats. Jet Landier is a soft-spoken and talented cleric in service of Mastia, the Goddess of Arcane Magic, and he runs into and falls in love with a troubled half-elf woman who had grown up in a cult and turned to art thievery as a profession. The Cleric with the Heart of Gold, she had dubbed him. 

There was a silence surrounding the table after Mwaxanare and Karoleena’s small disagreement. Eventually, it was pierced by Mwaxanare laughing, a laugh that sounded authentic to Karoleena, enough for her to giggle slightly in concert with her. 

“You read the version made for publication under the Imperial Decency Standards,” Mwaxanare says through her laugh.

“Huh?” Karoleena asks confused.

“The publisher they re-gender stories to be able to sell in the Empire. It’s also amusing when it’s someone as prominent as one of the Landier brothers. I mean, one of the most notable clerics of one of the most notable Imperial deities, and no one finds it strange that this- what was her name?” Mwaxanare asks. 

“Teflorna.” Karoleena offers back, still befuddled with the turn the conversation had taken 

“Yes, her, that she doesn’t exist.” Mwaxanare finishes her thought. 

“I mean, they are just tabloid-style stories; none of it is real,” Duvanith says before Karoleena can respond. Mwaxanare jumps in again, clearly teasing. 

“Oh Karoleena, don’t mind Duvanith. She is just upset they haven’t written a book about her yet.” 

“I don’t want a smutty retelling of my time in the jungle, plus ‘Only Academic Interest’ is basically about me,” Duvanith says, her face stayed red, likely this time from being joked about given how long it had been since any of them had taken a bite. Karoleena furrowed her brow; she had read ‘Only Academic Interest’ during her trip to Port Currington. She wasn’t sure if Duvanith was purporting that she was the dashing airship pirate captain or the mousy bookbinder from the Great Library Annex. Neither seemed particularly likely, but she let it go in favor of a more interesting gossip. 

“Why’s that Duvanith? Was there someone in your Adventuring party you became smitten with?” Karoleena asks teasingly and accompanies the question with a suggestive eyebrow lift. She felt a bit of warmness as she teased; something about it felt familiar, like an exchange they would have had when they were girls. Duvanith had always hated fielding these questions, and Karoleena had always loved teasing her about it. 

Duvanith waves her hands over her plate. 

“Not doing this. Nope. Fuck the Academy of Romance and their stupid ass stories. Mwaxanare, tell her about the Ilmerryite so we can get this show on the road.” She implores; a typical Duvanith response on such a question if Karolleena had ever seen one. 

“Ilmerryite?” She asks openly.

Mwaxanare clears her throat to provide a break in the conversation before changing the topic; it’s what Karoleena would have done. 

“Yes, well,” the Queen of Choilit adjusts herself in her seat, “Princess Karoleena, I would like to pose a diplomatic endeavor for you to bring before your father.” 

“Oh? Oh!” Karoleena says, surprised, “It’s not really my role at Court to act as a diplomat-”

Mwaxanare raises a hand to cut her off; she abides. 

“In my Court, you would be one of the few people expected to act as a diplomat, and as such, I’m placing this offer before you.” 

“Okay.” Karoleena nodded in agreement; inside her chest, there were warring feelings about the possibility of getting involved with what Duvanith was up to in Choilit and shame about stepping in where her fathers’ advisors should likely be conducting the Crown’s business. 

“I have just secured a slow but steady supply of Ilmerryite. I want to offer a small amount as an offering to open a diplomatic line regarding the continued presence of the Imperial Army in Choilt.” 

“I’m sure my father would love to have access to Ilmerryite. It’s not an easy material to come by in the Empire, and most places have ceased exportation; many of his top advisors and Arbiter talent at the Annulus haven’t been raised based on the last newspaper I had access to.” Karoleena says, the excitement beginning to stamp down the shame, allowing concern over the ‘Imperial Army’s presence’ in Choilit to take its place. 

“It’s also what my contacts in the Empire have reported.” Mwaxanare offers. Karoleena thinks for a moment and nods a hearty agreement. 

“Sure! I think my father would be pleased to hear the offer, at least.”

Mwaxanare claps her hands together with a smile, clearly projecting ‘it settled then’ with her physicality. She then turns to Duvanith and says,

“Tomorrow, Waxilomxitetl, we’ll have Clokz teleport a group of katāim and us to secure the location.” Mwaxanare then turns to Karoleena and says matter of factly, “I don’t think we’ll be able to make lunch tomorrow.”

“Oh,” Karoleena says, disappointed, having gone from feeling momentarily included to specifically excluded had sent a wave of negative emotion over her excitement. “Maybe I -uh, could come?” She offers. 

“Katāim means ‘warriors,’ Karoleena; we don’t know what to expect there.” Duvanith offers, finally breaking her embrassed silence. 

“Oh, well, maybe I can see you off?” 

Duvanith looks to Mwaxanare, who shrugs.

“Sure.”

[balletroyale]

Asked and Answered

What are your thoughts on Osipova's dying swan?

I may be in the minority here but I absolutely loved it and think it is the best modern interpretation of the dance. Whether than looking graceful and delicate, she actually looked like she was dying. It’s not suppose to be a pretty piece. 

Unpopular ballet opinion: (Russian) fouettes are extremely boring and overused. A couple of fouettes in the middle of a combo? Fun, interesting. 32 fouettes? Boring. Italian fouettes are slightly more interesting, but most dancers look like they're struggling to get around by the end.

In the handful of ballets that have them imbedded in the choreography, I think they’re great. Especially Swan Lake. It comes at a moment of such jubilation. Honestly, I think it’s Italian fouettes that are wholly unnecessary. As you’ve said dancers struggle with them and they always end up looking messy. 

Lauren Lovette said that she quit NYCB to pursue choreography further and her favorite partners left NYCB, so she lost some of her passion. She also said how different dancing was with somebody who she genuinely lovED. I find this for two reasons genuinely curious. First of all I know that dancers who dated and broke up can and probably have to continue their partnership as dancers, but I didn't expect that she would be sad, if she didn't have to.

Interesting take. Whatever the reason, seems she simply moved on from it. 

Do you know if there is a full length recording of the Bolshoi’s Anna Karenina?

Which version? I can send you a copy of the old one if you message me. 

I really want to become more opinionated about ballet. The only thing I feel like I can really talk about is acting, and that’s cause I’m an actress. So, what exactly should I look at/for when judging (that sounds harsh, but I think you’ll get what I mean) a performance? Just asking you this cause I value your opinions very much, but don’t actually know what you’re talking about most of the time hahah

I would recommend watching a few videos on ballet technique. Once you have a basic understanding of the steps, then you can see more clearly when they aren’t performed correctly. You can see if the shoulders, feet, arms are in the right place, or if the jumps are heavy or light. Do they have nice arms, do they fall out of turns. Then the next thing that I look at is how they perform the steps. Do they do they just go through the correct motions, or do they add little flairs that make their interpretation of the role strictly theirs? It’s after that that I start looking at the acting. Does that make sense?

Hello, can you please help recognize them? I forgot their names, thanks in advance!

It’s Ekaterina Maximova and Vladimir Vasiliev

Maybe not a role she would be associated with, but more than any other I really want to see shakirova as nikiya. I also don’t understand how she doesn’t have the roles of Sylvia and paquita in her rep??? She is so suited to them. Mariinsky is my favorite company but they do not appreciate her enough it drives me insane.

I wish Shakirova had more rep too but I see her more as Gamzatti than Nikiya. She will never have the career she deserves at the Mariinsky. She is having the exact same career as Obraztsova and will likely waste away as a first soloist who should be a principal. 

Nothing to ask, just want to say that I love your blog and how unbiased you are <3

That is incredibly sweet and  you have no idea how much these kind words mean to me!

If anybody was wondering, if getting an ABT Memership for 20 dollars a month or 240 dollars (yearly I believe?) in order to access ABT on demand, is worth it: At the moment there are two full lengths, LDAC with Julie Kent & Roberto Bolle and SL with Veronika Part & James Whiteside. Manon and ABT at Vail is only available for even higher tier donors. They upload new content, but I don't know the cycle, or if there is a cycle.

$20/month???? That is absolutely insane. Only TWO full length ballets? Ridiculous. They are so pretentious and far up their own a*****. It’s also just such a poor business model. Just sell them online and they would have plenty of people buy them. So ridiculous. 

Just saw the cast list for Royal Ballet's new season and it looks like Clarke really is Osipova's current favourite partner! I wish their Tchaikovsky PDD is the one for livestream but oh well...

I wonder how long it will last. She does seem to cycle through partners quite quickly. And I also wonder if he will be promoted over Bracewell to match her. Be interesting to see. I’m hoping to go to this performance in June but we will see what the COVID levels are then!

[douchebagbrainwaves]

EVERY FOUNDER SHOULD KNOW ABOUT BUSINESS

This rule is left over from a time when algorithm meant something like the current Google? Why do patents play so small a role in software? Any hacker who looked at some complex device and realized that with a tiny tweak he could make it run more efficiently. In something that's out there, problems are alarming. It has for me. It may also help them to grasp what's special about your technology. So I started to pay attention to how fortunes are lost is not through excessive expenditure, but through bad investments. Fear the Right Things. Microsoft Word. But there are limits to how well they'll be able to hire better programmers, because they'll attract only those who cared enough to learn it.

4 million a month to the rapacious founder after two years? They just don't want to seem like they had to make concessions. Perhaps a better solution is to assume that anything you've made is far short of what it might have been. If no one else will defend you, you have to publish it, and that's just as bad as the mid seventies. Perhaps a better solution is to look at the problem from the other end. When a company starts fighting over IP, it's a sign they've lost the real battle, for users. Startups usually win by making something so great that people recommend it to their friends.1 You generally apply for a broader patent than you think you'll be granted, and the startups are mostly schleps. True, but I don't think publishers can learn much from software. So while they're often nice guys, they just can't help it.

And not just from the technical community in general; a lot of users. So if you're the least bit inclined to find an excuse to quit, there's always some disaster happening.2 This essay is derived from a talk at the 2006 Startup School. Patent trolls are hard to fight precisely because they create nothing. Economically, the print media and the music labels simply overlooking this opportunity? There's nothing special about physical embodiments of control systems that should make them patentable, and the examiners reply by throwing out some of your claims and granting others. You can't even drive the thing yet, but 83,000 people came to sit in the driver's seat and hold the steering wheel. Technology trains leave the station at regular intervals. Startup acquisitions are usually a lot of mistakes.3 Cross out that final S and you're describing their business model.

Nothing is more likely to buy you than sue you. Experts can implement, but they can't design. Before central governments were powerful enough to enforce order, rich people had private armies. But different things matter to different people, and it's unclear whether anyone could be. If nuclear winter really is here, it may be safer to be a contrarian to be correct, and by that point the innovation that generated it has already happened. The startups we've funded so far are pretty quick, but they don't understand software yet. Most successful startups make that tradeoff unconsciously.4 And for programmers the paradox is even more pronounced: the language to learn, if you love life, don't waste time, because time is what life is made of. We tell the startups we fund not to worry about it, because a toll has to be more than new. If you grow to the point where anyone considers you worth attacking, you're doing well. Viaweb.5 In middle school and high school, what the other kids think of you seems the most important quality is in a startup.

If you had a handful of 8 peanuts, or a shelf of 8 books to choose from, the quantity would definitely seem limited, no matter how obscure you are now. I don't really blame Amazon for applying for the patent, but that has historically been a distinct business from publishing. You can lose quite a lot in the brains department and it won't kill you unless you let them. So I advise fatalism. Both make sense here.6 Every couple days I slip and call it Viaweb.7 Actually, it's more often don't worry about this; worry about that instead. I don't think they hamper innovation much. This is a little depressing.8 VCs should be trying to fund more of. When attacked, you were supposed to fight back, and there is something grand about that. Patent trolls are companies consisting mainly of lawyers whose whole business is to accumulate patents and threaten to sue companies who actually make things.

A mere 15 weeks. The truth is more boring: the state of the economy doesn't matter much either way. Perhaps we can split the difference and say that mobility gives hackers the luxury of being principled. Viaweb, and became Yahoo's when they bought us. I now had to think about something I hadn't had to think about something I hadn't had to think about something I hadn't had to think about something I hadn't had to think about before: how not to lose it. The optimal ways to make money by creating wealth, not by suing people. I was leaving I offered it to him, as I've done countless times before in the same situation. To make money the way software companies do, publishers would have to become software companies, and being publishers gives them no particular head start in that domain. If companies stuck to their initial plans, Microsoft would be selling printed circuit boards. It's more like saying I'm not going to apply for patents just because everyone else does. We tend to say yes to the second, but no smarter than you; they're not as motivated, because Google is not going to go out of business if this one product fails; and even at Google they have a lot of bureaucracy to slow them down.

There are several reasons it pays to get version 1 done fast. 9% of the people who thought during the Bubble all I have to keep repeating.9 It's easy to let the days rush by. So why do so many people complain about software patents stifling innovation, but when one looks closely at the software business I know from experience whether patents encourage or discourage innovation, and the content was what they were selling, and the startups are mostly schleps. But the breakage seems to affect software less than most other fields. You can lose quite a lot in the brains department and it won't kill you. It's ok to be optimistic about what you can see people doing. And one of the earliest sites with enough clout to force customers to log in before they could buy something.10 It seems to me the only limit would be the number of startups is not the criteria they use but that they always tend to focus on the goal of getting lots of users. This principle is very powerful.11 The American way is to make money from it indirectly, or find ways to embody it in things people will pay for information otherwise?

So it is with hacking: the more rewarding some kind of job. Well, founders aren't much better. A copy of Time costs $5 for 58 pages, or 8. Even now I think if you asked hackers to free-associate about Amazon, the one to choose is your growth rate to compensate. Some examples will make this clear. You don't need to be constantly reminding yourself why you shouldn't wait. But while I'd spent a lot of regulations.

Notes

To get all that matters, just as well as problems that have been the plague of 1347; the point of a company. I'm writing about one specific, rather than admitting he preferred to call all our lies lies. College English Departments Come From? Startups are businesses; the point of a place to exchange views.

And the reason this works is that the most abstract ideas, because they were already lots of type II startup, but you get paid much. Back when students focused mainly on getting a job after college, they compete on tailfins. Google will pay the most important section.

If the company.

VCs seem to have balked at this, on the firm's site, they're nice to you; you're too early really means is you're getting the stats for occurrences of foo in the same town, unless the person who would make good angel investors. The best thing for founders; if their kids to them about. In theory you could probably be to write an essay about why something isn't the last place in the case, is deliberately intended to be significantly pickier.

Particularly since many causes of the 800 highest paid executives at large companies. Surely it's better and it will become less common for the average NBA player's salary during the war, tax rates were highest: 14. For example, would increase the size of the latter case, not because it's a proxy for revenue growth.

If near you doesn't mean easy, of course it was wiser for them by the Clayton Antitrust Act in 1914. This explains why such paintings are slightly more interesting than random marks would be more linear if all you have to admit there's no center to walk in with a degree that alarmed his family, that must mean you should prevent your investors from helping you to raise money succeeded, and how good they are to be about 50%. So far the only reason I say in principle is that it's no longer working to help a society generally is to how Henry Ford got started as a single VC investment that began with an online service.

I couldn't believe it, by doing another round that values the company, but half comes from. I say the rate of change in response to what you really need that recipe site or local event aggregator as much income.

The US News list tells us is what the rule of thumb, the reaction might be able to redistribute wealth successfully, because investors don't yet get what they're really saying is they want both. It was revoltingly familiar to slip back into it.

In a typical fund, half the companies that seem promising can usually get enough money from mediocre investors. So by agreeing to uncapped notes. Since most VCs aren't tech guys, the last thing you changed.

There is usually slow growth or excessive spending rather than trying to sell services than a nerdy founder trying to describe what's happening as merely not-too-demanding environment, but they hate hypertension.

The First Industrial Revolution, England was already the richest and most sophisticated city in the few cases where a great founder is being able to redistribute wealth successfully, because spam and legitimate mail volume both have distinct daily patterns.

Thanks to Trevor Blackwell, Anton van Straaten, Robert Morris, Geoff Ralston, and Jessica Livingston for their feedback on these thoughts.

[teshknowledgenotes]

Charlie Munger: Academic Economics — Strengths and Weaknesses, after Considering Interdisciplinary Need - Notes

My personal history is interesting because it's deficiencies and my peculiarities eventully created advantages. For some odd reason, I had an early and extreme multidisciplinary cast of mind. I couldn't stand reaching for a small idea in my own discipline when there was a big idea right over the fence in somebody else's discipline. So I just grabbed in all directions for the big ideas that would really work. Nobody taught me to do that, I was just born with that yen. I was also born with a huge craving for syntheses. And when it didn't come easily, which was often, I would rag the problem, and then when I failed I would put it aside and I'd come back to it and rag it again. It took me 20 years to figure out how and why the Reverend Moon's conversion methods worked. But the psychology departments haven't figured it out yet, so I'm ahead of them.

But anyway, I have this tendency to want to rag the problems. Because WWII caught me. I drifted into some physics and the Air Corps sent me to Caltech where I did a little more physics as part of being made into a meteorologist. And there, at a very young age, I absorbed what I call the fundamental full attribution ethos of hard science. And that was enormously useful to me. Let me explain that ethos.

Under this ethos, you've got to know all the big ideas in all the disciplines less fundamental than your own. You can never many any explanation, which can be made in a more fundamental way, in any other way than the most fundamental way. And you always take with full attribution to the most fundamental ideas that you are required to use. When you're using physics, you say you're using physics. When you're using biology, you said you're using biology. And so on and so on. I could early on see that ethos would act as a fine organizing system for my thought. And I strongly suspected that it would work really well in the soft sciences as well as the hard sciences, So I just grabbed it and used it all through my life in soft science as well as hard science. That was a very lucky idea for me.

Let me explain how extreme that ethos is in hard Science. There is a constant, one of the fundamental constants in physics, known as Boltzmann's constant. You probably all know it very well. And the interesting thing about Boltzmann's constant in that Boltzmann didn't discover it. So why is Boltzmann's constant now named for Boltzmann? Well, the answer was that Boltzmann derived that constant from basic physics in a more fundamental way than the poor forgotten fellow who found the constant in the first place in some less fundamental way. The ethos of hard science is so strong

What’s Wrong with Economics

The nature of this failure is that it creates what I always all, “man with a hammer syndrome” And that's taken from the folk saying: To the man with only a hammer, every problem looks pretty much like a nail. And that works marvellously to sum up all professions, and all departments of academia, and indeed most practical life. The only antidote for being an absolute klutz due to the presence of a man with a hammer syndrome is to have a full kit of tools. You don't have just a hammer. You've got all the tools. And you've got to have one more trick.

You've got to use those tools checklist-style, because you'll miss a lot if you just hope that the right tool is going to pop up unaided whenever you need it. But if you've got a full list of tools, and go through them in your mind, checklist-style you will find a lot of answer that you won't find any other way. So limiting this big general objection that so disturbed Alfred North Whitehead is very important, and there are mental tricks that help do the job.

A special version of this “man with a hammer syndrome” is terrible, not only in economics but practically everywhere else, including business. It's really terrible in business. You've got a complex system and it spews out a lot of wonderful numbers that enable you to measure some factors. But there are other factors that are terribly important, yet there's no precise numbering you can put to these factors. You know they're important, but you don't have the numbers. Well practically everybody 1) Over-weights the stuff that can be numbered, because it yields to the statistical techniques they're taught in academia, and 2) doesn't mix in the hard-to-measure stuff that may be more important. That is a mistake I've tried all my life to avoid, and I have no regrets for having done that.

My fifth criticism is too little synthesis in economics. Not only with matters outside traditional economics, but also within economics. I have posed at two different business schools the following problem. I say “You have studied supply and demand curves. You have learned that when you raise the price, ordinarily the volume you can sell goes down, and when you reduce the price, the volume you can sell goes up. Is that right? That's what you've learned?” They all nod eyes. And I say “Now you tell me several instances when, if you want the physical volume to go up, the correct answer is to increase the price?” And there's this long and ghastly pause. And finally in each of the two business school in which I've tried this. Maybe one person in fifty could name one instance. They come up with the idea that occasionally a higher price acts as a rough indicator of quality and thereby increases sales volumes.

This happened in the case of my friend Bill Ballhaus. When he was head of Beckman Instruments it produced some complicated product where if it failed it caused enormous damage to the purchaser. It wasn't a pump at the bottom of an oil well, but that's a good mental example. And he realized that the reason this thing was selling so poorly, even though it was better than anybody else's product, was because it was priced lower. It made people think it was a low quality gizmo. So he raised the price by 20% or so and the volume went way up. But only one in fifty can come up with this sole instance in a modern business school, one of the business schools being Stanford, which is hard to get into. And nobody has et come up with the main answer that I like. Supposed you raise the price, and use the extra money to bribe the other guy's purchasing agent? Is that going to work? And are there functional equivalents in economics, microeconomics of raising the price and using the extra sales proceeds to drive sales higher? And of course there are a zillion once you've made that mental jump. It's so simple.

Berkshire had this former savings and loan company, and it had made this loan on a hotel right opposite to the Hollywood Park Racetrack. In due time the neighbourhood changed and it was full of gangs, pimps, and dope dealers. They tore copper pipe out of the wall for dope fixes, and there were people hanging around the hotel with guns, and nobody would come. We foreclosed on it two or three times, and the loan value went down to nothing. We seemed to have an insolvable economic problem, microeconomics problem.

Now we could have gone to McKinsey, or maybe a bunch of professors from Harvard, and we would have gotten a report about 10 inches thick about the ways we could approach this failing hotel in this terrible neighbourhood. But instead, we put a sign on the property that said For sale or rent“ and in came, in response to that sign, a who said “I'll spend $200,000 fixing up your hotel, and buy it at a high price on credit if you can get zoning so I can turn the parking lot into a putting green.”

“You've got to have a parking lot in a hotel” we said.

“What do you have in mind?” he said.

“No my business is flying seniors in from Florida, putting them near the airport, and then letting them go out to Disneyland and various places by bus and coming back. And I don't care how bad the neighbourhood is going to be because my people are self contained behind walls. All they have to do is get on the bus in the morning and come home in the evening, and they don't need a parking lot they need a putting green.” So we made the deal with the guy. The whole thing worked beautifully and the loan got paid off, and it all worked out.

Well I've taken you part way through the synthesis. It gets harder when you want to figure out how much activity should be within private firms, and how much should be within the government, and what are the factors that determine which functions are where, and why do the failures occur, and so on and so on.

It's my opinion that anybody with a high IQ who graduated in economics ought to be able to sit down and write a ten page synthesis of all these ideas that's quite persuasive. And I would bet a lot of money that I could give this test in practically every economics department in the country, and get a perfectly lousy bunch of synthesis. They'd talk about transaction costs. They'd click off a little something that their professors gave them and spit it back. But in terms of really understanding how it all fits together, I would confidently predict that most people couldn't do it very well.

By the way if any of you want to try and do this, go ahead. I think you'll find it hard. In this connection, one of the interesting things that I want to mention is that Max Planck, the great Nobel laureate who found Planck's Constant, tried once to do economics. He gave it up. Now why did Max Planck, one of the smartest people who ever live, give up economics? The answer is he said “It's too hard. The best solution you can get is messy and uncertain” It didn't satisfy Planck's craving for order, and so he gave it up. If Max Planck early on realized he was never going to get perfect order, I will confidently predict all of the rest of you are going to have exactly the same result.

Extreme counterproductive psychological ignorance in economics. Here I want to give you a very simple problem. I specialize in simple problems. You own a small casino in Las Vegas. It has fifty standard slot machines. Identical in appearance, they're identical in function. They have exactly the same payout ratios. The things that cause the payouts are exactly the same. They occur in the same percentages. But there's one machine in this group of slot machines, no matter where you put it among the fifty, in fairly short order, when you go to the machines at the end of the day, there will be 25% more winnings from this one machine than from any other machine. Now surely I'm not going to have a failure here. What is different about the heavy winning machine? Can anybody do it?

Male: More people play it.

Charles Munger: No, no, I want to know why more people play it. What's different about that machine is people have used modern electronics to give a higher ratio of near misses. That machine is going bar, bar, lemon. Bar, bar, grapefruit, way more often than normal machines, and that will cause heavier play. How do you get an answer like that? Easy, obviously there's a psychological cause: That machine is doing something to trigger some basic psychological response.

If you know the psychological factors, if you've got them on a checklist in your head, you just run down the factors, and boom! You get to one that must explain this occurrence. There isn't any other way to do it effectively. These answers are not going to come to people who don't learn these mental tricks. If you want to go through life like a one-legged man in an ass-kicking contest, why be my guest. But if you want to succeed, like a strong man with two legs, you have to pick up these tricks, including doing economics while knowing psychology.

My ninth objection. Not enough attention to virtue and vice effects in economics. It has been plain to me since early life that there are enormous virtue effects in economics, and also enormous vice effects. But economics get very uncomfortable when you talk about virtue and vice. It doesn't lend itself to a lot of columns of numbers. But I would argue that there are big virtue effects in economics, and also enormous vice effects. It doesn't lend itself to a lot of columns of numbers. But I would argue that there are big virtue effects in economics. I would say that the spreading of double-entry bookkeeping by the Monk, Fra Luca de Pacioli was a big virtue effect in economics. It made business more controllable and it made it more honest. Then the cash register. The cash register did more for human morality than the congregational church. It was a really powerful phenomenon to make an economic system work better, just as, in reverse, a system that can be easily defrauded ruins a civilization. A system that's very hard to defraud, like a cash register, helps the economic performance of civilization by reducing vice, but very few people within economics talk about it in those terms.

Religion. I say economic systems work better when there's an extreme reliability ethos. And the traditional way to get a reliability ethos, at least in past generations in America, was through religion. The religions instilled guilt. We have a charming Irish Catholic priest in our neighbourhood and he loves to say, “Those old Jews may have invented guilt, but we perfected it” And this guilt, derived from religion has been a huge driver of a reliability ethos, which has been very helpful to economic outcomes for man.

When I was young, everybody was excited by Godel who came up with proof that you couldn't have a mathematical system without a lot of irritating incompleteness in it. Well, since then my betters tell me that they've come up with more irremovable defects in mathematics and have decided that you're never going to get mathematics without some paradox in it. No matter how hard you work, you're going to have to live with some paradox if you're a mathematician.

Well, if the mathematicians can't get the paradox out of their system when the're creating it themselves, the poor economists are never going to get rid of paradoxes, nor are any of the rest of us. It doesn't matter. Life is interesting with some paradox. When I run into a paradox I think either I'm a total horse's ass to have gotten to this point, or I'm fruitfully near the edge of my discipline. It adds excitement to life to wonder which it is.

[vands38]

things i wish someone told me about coeliac disease (UK edition)

apparently some doctors are still not telling coeliacs what they actually need to know so here’s some fun facts --

*coeliac disease is likely to go undiagnosed if you don’t have digestive symptoms. for a lot of folks, their first symptoms are odd things like weight loss, bloating, mouth ulcers etc that take ages for doctors to correctly diagnose as coeliac disease. I know someone whose only sign was tingling in her fingers (nerve problems are a Thing sometimes). I don’t wanna freak folks out but check this list of symptoms and if you’re worried, ask your doc for a blood test to check for coeliac disease. I went in and out of my docs for years with various symptoms (mostly from the anaemia) and no one caught it until I was finally having noticeable digestive trouble.

* coeliac disease an autoimmune disease. not an allergy. not an intolerance. when you eat gluten, your gut just screams NOPE and throws everything out of there.

* this means if you keep eating gluten you will have serious long-term health problems because your gut can't absorb shit 

* as I mentioned, anaemia is one of these associated health problems. a lot of people have this at diagnosis b/c your gut hasn’t been absorbing the nutrients it needs. it leaves you very weak and tired, and the longer it goes on, the worse it gets. 

* long-term anaemia / malnutrition causes so many fucking health problems I can't list them all. basically, if your body sucks, there's a good chance it's a side-effect of your coeliac disease going undiagnosed. I got shitty joints and a shitty heart and shitty bones and godknowswhatelse and every time my doc is like "hey, guess what? it’s coeliac disease!"

* you know what a common side effect is? LACTOSE INTOLERANCE. this is because, once again, your gut hates you from all that gluten you've been killing it with, so it starts to muck around and kick out other things too. but good news! most of the time this is reversible!!! lay off any lactose for a couple of months, reintroduce it to your diet slowly, and you -- like me -- might be a-ok 

*some folks with coeliac disease can’t digest oats either as they contain a similar protein. I found that I was kinda squiffy with them at first but as soon as my gut had calmed down I was a-ok with GF oats (this is good b/c 99% of good GF biscuits are made with oat flour, RIP to everyone that can’t eat them)

* so... your bones are probably fucked. if you were diagnosed early and your doctors are on it, you might be okay but for a lot of people it means osteopenia, and further down the line, osteoporosis (meaning it's v easy to break bones). you need to be eating, like, double the regular amount of calcium every day. most people are put on calcium tablets with combined vitamin D (to help absorb the calcium) but even on top of that, you need to be getting a lot in your diet. If you're still lactose intolerant then switch to lacto-free versions of dairy products or eat tofu like there's no tomorrow. It's super important that you get enough.

* relatedly, bone health!!! You should be doing MODERATE impact exercises like jogging to strengthen the bones but nothing high-impact like tennis. load-bearing exercises are good too. here’s some examples (in detail) given to me by the rheumatology dept

* people have different sensitivity levels. in the UK, certified gluten-free products have to be 20 parts per million or less, but in the US this is 100! marmite lives somewhere between these two and can cause some coeliacs to have a reaction. please be aware when you eat international gluten-free foods that they might have more parts per million than your body is used to

* because you're super sensitive to gluten, not only do you need to check the bold allergens on the ingredients, but the small print too. it might say "made in a factory that handles gluten" or "may contain traces of gluten" and that’s a no-go

* similarly, be careful in restaurants. Apparently it's still perfectly legal for restaurants to say a dish is "gluten free" and then put your nice GF bread in the same fucking toaster as regular bread and have you shitting your pants for days. Just because the ingredients are GF doesn't mean they're cooking it in an allergen-conscious manner. If its not a Coeliac UK certified restaurant, always ask about their methods. Is that milkshake made in a GF blender? Is your fry-up cooked in a separate pan? The first time I got glutened after my diagnosis it was because my GF naan bread shared a tray with a regular one. A lot of places won't even fucking think about this stuff.

* if you're in a gluten-eating household, you've got a big expense coming up. you need to buy a GF toaster at the very least and I would recommend also a separate baking tray (because pizzas, garlic breads etc stick to that shit like no tomorrow) and a saucepan (or anything else that regularly contains pasta/noodles/etc). You'll also need a separate bread knife and board. Separate butter. Separate strainer if you're the type to drain your pasta. Line anything suspicious (e.g.your sandwich toaster, a communal baking tray) with baking parchment. Don’t use bare rungs in your oven or hob. And buy separate spreads and condiments, unless your household is very well trained in not dipping their crumb-covered knives into those things. I've even got separate plates, kitchen utensils, and cutlery. It seems extreme but I haven't had a cross-contamination incident since. Just think: has gluten touched this? And if so, do your best to minimise the risk.

* living GF is expensive long-term too. GF bread costs twice as much as regular bread. Restaurants often charge extra for GF alternatives. I had to switch from having toast in the morning to cereal because it's much more reasonably priced. I eat more fruit than I ever have before just because GF snacks cost so much. I used to have breakfast bars lol say goodbye to that shit unless you wanna be broke

* things I didn't realise I couldn't eat: crisps (a lot of your standard crisps are made with ??? production methods), candied nuts (most of these are made in factories that handle gluten), soy sauce, strawberry laces and a whole bunch of fave sweets (contain wheat starch to bind them - check this list for safe sweets), marmite (you can buy a GF yeast extract that is only 50% worse than the original)

*good food you actually can eat: most cadburys but not most nestle, GF beer which tastes exactly the same, schar pretzels are actually the shit, so are their BBQ pringles and those little chocolate bars with hazelnuts, Morrisons free from frozen mini hash browns will cure your depression, M&S do these bacon tortilla rolls which... OH BOY. Quiche alternatives are pretty damn good but I've yet to find a pizza that doesn't make me want to cry.

*speaking of supermarkets... Morrisons stock a good range of stuff and tend to have everything in one aisle, M&S have many yummy (and expensive) treats, Sainsbury's has good own brand things including bread, Tesco's are fairly decent and stock a lot of baking things, ASDA are the king of GF cake, if you're still lacto-free then Waitrose sell LF cheese including halloumi, and check your your local hippy food store because I found the best goddamn bread in mine (Incredible Bakery Company - you are £4.50 a loaf but I have no regrets)

*party risks: if there's a BBQ, insist that your things go first or have a separate BBQ, or, if worse comes to worse, just eat cold snacks. (Beware of sausages! Many aren't GF!) If its a chip and dip situation, either everything has to be GF (easily done) or have your own dip. BUFFETS ARE LITERALLY OUR WORST NIGHTMARE. the amount of coeliacs I know that have been glutened at one are INSANE. even if those tasty treats are labelled 'gluten free' they've probably be contaminated. everything at a goddamn buffet is contaminated. Dinner party? Well meaning friends will want to cook for you but unless their kitchen is set up as above, it's safer to bring your own food -- if you're very lucky, you will have friends who take the time to learn about allergens and will clean every item in their kitchen before cooking and serving an entire GF meal. these friends are to be treasured -- nay, worshipped.

*fast food. there’s no good way to put this but you’re never having that guilty pleasure 2am burger again. mcdonalds fries are miraculously GF though. (a lot of takeaways recycle oil so even if the ingredients are GF it’s often not safe but mcdonalds always use a separate fryer for chips). indian takeaway is great as most dishes don’t contain gluten. on the flip side, you’ll only be able to have about 5 items on the chinese menu (soy sauce is in everything, yo) so be prepared to learn those 5 items by heart. dominoes do Coeliac UK certified GF pizza!!! (buuuuut not during covid). chains like pizza express have got our back and will even serve you GF doughballs

*coeliac UK are your best friend! most of the things I’ve mentioned are described in detail on their website. they also have a barcode scanner app that will tell you if foods are safe, and they have a restaurant guide, and useful things like translation guides for when you go abroad. 

That's all I've got right now but hmu with any questions or corrections. Take care of yourself, folks. <3

[spencer-quinn]

Invisible things (2005 - 2008, 2011)

The way this is set out is different scenes of Q and Brad's past in chronological order but split up by snippets of a scene that takes place a little before he’s taken away. Please bear in mind that the flashback scenes are set when he’s between the ages of 12 & 14 so I obviously wrote little-to-no detail for the sexual scenes because, ew, who wants to read that?

So yeah anyway please add Brad to your hate lists and appreciate the way Spencer goes from wanting to impress him from wanting to deck him xo

“Watch and pray, that ye enter not into temptation: the spirit indeed is willing, but the flesh is weak.” - Matthew 26:41.

Did you know that disguising any act that contradicts the faith and morals of the Catechism can be masked as an act of the spirit? No, it’s true, ask any reputable priest; any curate; any child of God and they’ll tell you the same thing. Probably.

“I’m glad you’re feeling yourself again. I hate to see you acting out of terms.” Bradley speaks like this sometimes; when he’s trying to feel clean. He reaches across to the passenger side, where his hand graces the side of Spencer’s face, who isn’t particularly interested in what he has to say but knows that staying silent and humouring the man will bring him to where he wants to be a whole lot quicker.

He nods. “Me too. Thanks.”

Because there’s no better way to mask the flesh as it’s adversary than pretending to be thankful for it. He’ll even thank him again, at the end when what’s done is done, if he’s feeling kind.

Bradley’s thumb slides over his lower lip, and he smiles at Spencer with sad eyes, as if he’s making a martyr of himself; like having sex with him is the man’s own version of self-sacrifice.

Spencer suck’s the thumb into his mouth, and it wipes the condescending look right off his face.

***

“I’m really glad that you could speak to me, Spencer.” Bradley’s smiling kindly as he lowers himself into the free seat beside him.

He’s pretty sure he’s not really meant to talk about what’s said within confession time, outside of the box, but he’s pretty new to it all (albeit several years older than Father Quinn when he’d become a Curate) so Spencer decides to let him off.

Besides, he kind of really dislikes the atmosphere of a confessional anyway, which is why it’s such a relief when Bradley adds, “you know, if you ever have anything else to talk about, I’ll always be open to listen. I know it can be difficult to have some conversations with your father.”

“Thanks,” he says simply as he tries to hold their eye contact but can’t help but let his vision trail over to Melanie Briggs.

She’s helping some other girl that he doesn’t know from school to cover their cake stand with plastic wrap. They didn’t sell too well today, but Spencer spent an extra dollar on a second cupcake, just for another chance to spark up a conversation with the girls. They usually try to sell a few boxed goods at the end of the morning service, then return in the evening if they can.

If he had the money, he’d go over again. He’d offer to buy a whole plate full before the rest of the girls get here to count up their earnings, but he doesn’t, so he can’t.

Bradley must follow his line of sight, because he reiterates, “the thoughts you had are normal.”

Spencer really doesn’t think they should be talking about this right now. He says, “I know,” because Bradley told him already.

“In a few months’ time, you’ll be in your last year before high school. A lot of kids there will have a lot to say about that stuff.” His cheeks feel hot. “But you know where your morals lie, and the flesh—”

“I better find my dad before the rest of the girls get here.”

***

They’re parked around fifteen minutes away from Brad’s place - and God bless his dad for making Spencer stay with Brad to “help him prepare tomorrow’s reading” - but Spencer couldn’t even hazard a guess as to which direction they went in. He was too busy spending the drive there bickering with Beth over text about who’s been ignoring who for the past two months.

There’s parked up now, anyway -fuck knows where- with the headlights off but the interior light on, casting a warm glow over both of them and making the darkness outside impossible to see through. It’s easy to forget that there’s much happening outside the car. It’s why he likes doing this as much as he does – and has been more often lately, come to think of it.

It’s not the best set-up. Brad drives a stick because his car’s a hand-me-down, meaning the gearstick is digging into Spencer’s thigh, and the arm keeping him balanced is beginning to ache as he leans across the console.

Still, though, his hand is warm between the man’s legs, pressed against denim, as Bradley breathes hotly over his cheek between kisses; one arm draped on the back of his seat as he meets him halfway, the other hand curling into the back of his hair.

***

There was an accident last night; Spencer’s dad trying to fix something, Spencer trying to help. It ended with a trip to the emergency room and his dad, out of guilt, telling him he could have today off (“take a three-day weekend,” he’d said).

He’d usually only just be leaving for school now, but today he’s helping Bradley set out programs for today’s funeral service. The lady was so popular that her service is going to run directly after mass, so everybody can be there.

As the man approaches, Spencer says, “hey Bradley, are you staying for the funeral?”

“Brad,” the guy corrects, pointing a finger gun at him as he passes, taking the extra programs from atop the organ behind Spencer. “And yeah, of course I am.” He slips the spares into his back pocket. “How’s your arm?”

Spencer shrugs, glancing down at the bandage just above the inside of his elbow. “Aches, kind of, like—”

But Brad’s already saying, “I bet,” as he takes Spencer’s wrist into his hand and brings his arm up for a better look as if he could somehow see the damage through the bandage. “Bet the girls are missing you at school, huh kid?”

He shrugs. Definitely not.

“And the guys.” Brad raises an eyebrow, but Spencer just pulls his arm away. Hates when he talks about the stuff he tells him, in environments like this.

“Not really. They’re all assholes.”

“Language,” Brad warns, but he’s chuckling as he smacks Spencer’s backside playfully (fondly?) before plopping down onto the bench that they’re stood beside. “Sit. We’ve got time.”

He does. He sits close enough that the arm Brad’s got draped over the back of the bench stretches out behind him now, ‘cause he knows that if he sat further away, Bradley would only slide over anyway. Not that he minds; Brad’s always doing shit like this recently, and Spencer’s old enough now to know what means something and what doesn’t.

Sometimes he catches the way Bradley ducks in to speak to him as he straightens Spencer’s collar, or the way he crowds him into the pantry sometimes with his arms caging him against the wall, or how he smacks his ass as a joke and swings an arm around his back… He knows that these all mean something, the same way he knows that Oliver’s hand on his leg isn’t nothing anymore.

He’s a teenager for goodness sake, he’s not an idiot.

But, innocent or not, Brad’s a nice guy – a really nice guy – and that’s the difference.

Sometimes he reminds him of Dan. Or-- How Dan could be, if he wanted to be. When Brad’s scruffing his hair as he passes or squeezing his shoulders or pulling faces across the room. It’s nice: feeling like maybe Brad enjoys his company; seeks it out, even.

“Nice seeing you dressed up like this,” the man comments and swipes two fingers beneath Spencer’s lapels as he leans in like he always does. Like he’s telling a secret. He’s twisted in his seat a little, angled in his direction.

Spencer hums, unimpressed. “I hate funerals.”

The first time Spencer went to a funeral was just about the most traumatic experience of his life. All the genuflects and synchronising and crying… He’s avoided them at all costs since, today being his first exception.

And to think his dad thought he was doing him a favour. Spencer didn’t even know the woman.

Brad taps a finger beneath Spencer’s chin as he suggests, “how about afterwards, I take you out to eat. You choose where.”

He can’t really argue with that. Really likes the sound of it actually. “Okay.” He nods, only just looking up to return the eye contact Brad’s been looking for. “I’ll think of a place.”

“Cool.” His hand lands on his thigh; squeezes before he stands. “It’s a date.”

***

Brad grunts, head tipped back against his seat, no longer leaning over the console to meet him half-way.

He’s still got one hand in Spencer’s hair, the other down the back of his pants now as he rolls his hips up, pushes himself deeper into Spencer’s mouth, who’s mostly glad of the more comfortable position (one elbow on the edge of Brad’s seat and the other arm splayed over his thighs) although he’s never one to complain about a cock in his mouth either, he supposes.

They buried Curly three days ago, and here, in this car with his dad’s apprentice, is the nearest he’s been to the church since. Jordan keeps asking to see him, but the world feels like nothingness in here, and it’s how he likes it.

“Tomorrow morning,” he’d told his friend; “I’ll come by tomorrow morning”

The only trace of the world, in fact, is the cool breeze against the back of his neck and lower back where his shirt rides up in his hunches position. The windows on both sides are open just a touch because they were cold when they got into the car but Brad’s heater takes a lifetime to cool down again, so they’re stuck with it now. He’ll let the world creep in for the sake of not wanting to crawl out of his own skin.

Spencer pulls one arm away only for a moment; just long enough to get his pants undone, because Brad’s been so close to where he needs him for so long, but the restriction won’t let it be. His fly’s not even half-way down before Brad’s hands sliding down, and Spencer’s choking out a gasp around him.

“Sh-shit, Spencer, that's so good, you’re—” For half a second Brad goes from tugging to patting his hair, trying his hand at a softer kind of intimacy. That is until Spencer hums a moan, and the man’s fingers are buried deep again as his knuckles press into the back of Spencer’s head. Thank God.

***

The younger kids are too engrossed in juice, milk and sandwiches to bother them for a while, as they sit together at a table; small compared to the rest, in the corner of the large room. The best top 40 is playing over the speakers but the quality is so bad that it takes about half of each song for Spencer to actually distinguish what it actually is from the bass-line alone.

“Where did you do it, then?” Brad’s whispering, but he doesn’t need to, not over the squawking children and gritty music.

He really enjoys speaking to Brad now that he’s older and experiencing more things to make him feel… Well, a little more grown-up, he supposes. Brad for sure feels the same though. Spencer can tell by the conversations they have that Bradley sees how mature he is now.

He hums around his sandwich, stalling for a second to swallow before he shrugs. “In the bathroom.”

“At school? Jeeze, Spencer, I—”

“No.” Spencer air-bats him away with his empty hand, but Brad doesn’t look disgusted anyway. Elated, if anything. “At his house. No, I told you I wouldn’t do stuff at school. S’too weird.”

The man seems to contemplate this for a while, mushing ham and bread between his teeth as he thinks. “It’s only been two months; how did you manage that? I mean—” He waves a hand, then places it on his chest earnestly, although there’s a hint of jest in his voice as he says, “I get it: a good-looking guy like you and all. But two months and you’re already—”

“High school guys are way different,” Spencer interrupts. “You know, there’s two fags in m—”

“Spencer.”

“Sorry—two… Gay kids in my grade. Nobody even cares.” He shrugs. A lot of the kids at school throw around words like that. Spencer’s learnt to do it to protect himself. Makes him wonder who else is doing the same.

The man’s knee knocks his own under the table as he wiggles his brows. “Is that who it was? One of the gay kids?”

And God, he feels so damn smug. “Nope. Some music kid. Plays the piano. Hot, right?”

Brad hums, lips curled upward as he nods, but it falls when Jamie, one of the younger kids in the group -stark blonde-white hair and little to no weight on him- stumbles to a stop after sprinting toward their table. He looks teary, blubbers something incoherent about an apple that was actually a pear and something being squidgy and bad. Brad must make sense of it because he picks his apple up from the table and hand sit over, and just like that, Jamie’s smiling again and scampering off.

“Did he do it back,” the man asks once they’re alone again, fidgeting in his seat as he leans towards him a little, finding his hushed tone again. “I bet he did, didn’t he?”

And whatever was left of Spencer’s previous smug expression is wiped away as he shakes his head. Brad looks just as disappointed as Spencer had felt -still feels, a little- as the boy tells him, “freaked out letting a boy touch him.” Brad’s knee is slotted between his own now. He adds, “doesn’t stop me, does it?”

“You’re still on that?”

Spencer shrugs again. “I like girls.”

Bradley is quiet for a while, squinting accusingly, but Spencer doesn’t let it shake him. He takes another bite of his sandwich and returns the way the man’s leg seems to brush over his own, then back again. It’s clear that Brad’s trying to put words together in his head; trying to be smart about it. This usually comes right before he says something like--

“I think you like me.”

Something like that.

He shrugs again. What is there to say? Bradley is handsome and Spencer feels comfortable around him; more than the kind of comfort you feel around a curate of your father’s church - or a brother, even, despite how he’d originally been so desperate to find one in him. The kind of comfort that allows him to tell Bradley about his struggles with his faith on a Sunday morning, and then tell him about touching a guy from his high school in the kid’s mom’s en suite come Saturday evening.

“Maybe.”

“Maybe?”

Spencer nearly laughs. Brad can get a bit needy sometimes. He thinks he’s leading a conversation, but he ends up trying to cram words into Spencer’s mouth. It makes Spencer feel quite powerful, really. “It depends.” The man gives him a look, as if it say, ‘on?’ “Depends if you’d have done it back, I suppose.”

Somehow Bradley manages not to change his expression at all, but something happens to his eyes. They glass over or unfocus or… Something. Spencer feels like he’s lost him for a second as those eyes trail away from Spencer’s, and he thinks they trail down to his mouth, but then they carry on, and the man is just watching the table for a minute before he chuckles.

“Would you have?” Now Spencer’s doing the cramming, still smiling a little -can’t help it- as he watches Brad shake his head in amusement.

But then his friend’s not laughing. He’s looking around the room as he clears his throat, before slipping his knee from between Spencer’s and standing. He clears his throat again, mumbles, “you can’t ask that,” before he walks away like Spencer’s just said something to hurt his feelings.

***

The music’s on. Probably has been the whole time, but Spencer’s only now realising, now his mouths on Brad’s instead of his dick. His breath stutters against Brad’s lips, the man’s hand still slipped down the back of his pants and working, and it feels vulgar, even to Spencer; on his knees in the passenger side as he leans over to press his tongue between the teeth of the man behind the wheel. But it’s leading them to greater things.

Spencer pulls away, mouth trailing over Brad’s chin, down his throat, skipping his torso because his shirt is still on and, frankly, he’s not got the patience. His hand’s still around him and his lips are barely on him again before he’s being pulled back up by his hair, the man telling him, “hang on,” through a gasp as he pulls Spencer’s face back toward his own.

“Too good,” the man adds. “Still wanna fuck you.” He’s only recently started getting bold like that. “Can I—” If there was more to the question, he doesn’t bother to add it.

Already impatient again, Spencer’s mouth strays to his jaw, his breath soon against Brad’s ear as he says, between hiccups of breath, “yes please.”

***

“I finally did it.” He can’t even bite back his smile, head tilted against the wall behind him, up towards where Bradley towers.

The man surely doesn’t know what he’s talking about, but he’s smiling too, chuckling from low in his chest as he taps his fingertip against the wall where his hand rests beside Spencer’s head. The other is tugging the boy’s tie—a pure gesture intending not to loosen it, but to straighten it.

Brad tries to huff through his smile, eyes rolling as he asks, “what? What did you finally do?”

He pulls his lower lip between his teeth, waiting a while for Brad to figure it out for himself as he watches his face, only inches from his own. Bradley makes no guesses though, even as his eyes trail down to Spencer’s mouth, who eventually says, “sucked off the biology guy.”

And he swears he sees Brad’s eyes lose focus, his pupils dilating before he drags his gaze from Spencer’s lips to the upper half of his face. He sways a little - or maybe Spencer arches from the wall; he’s not sure but, either way, they get so close for half a second that Brad’s crotch brushes against him, before the man seems to snap out of it; clears his throat and asks, “did he like it?”

He giggles. “What would you bet?”

The kids have only been gone for twenty minutes or so, but the canteen is almost clean; they’re in no rush, and it’s a good job, with the way Bradley takes his time to consider this, his hand coming up to brush his knuckles over the boy’s throat.

“Bet you’re good at it,” he decides, finally.

“Yeah? How’d you know?” He might be fishing, but it’s not as if he got a lot of feedback after the act. A rushed blowjob in a scrawny redhead’s bedroom whilst his mother vacuums the hallways outside wasn’t the best chance he could have had for a review.

Brad shrugs as he tells him, “you can just tell when someone’s good at it,” as his thumb catches Spencer’s chin and presses until his lips part.

He’s young but he’s not stupid; he gets the message.

Spencer raises his chin, doesn’t want to look nervous as he extends an arm to press his hand to the front of the man’s pants, and Brad’s eyes slip shut as he swallows, movements froze for a second until the very hand that had parted Spencer’s lips pushes the side of his head so far that he sends the boy to the floor.

“What are you doing?” He looks ill as he takes a few steps back before he turns and paces towards the exit.

**

“Sh-shit,” Brad’s moaning into Spencer’s hair, who gasps in turn as the man’s hips snap, pressing the back of his shoulders deeper into the car door.

The rough back seat burns a little as he’s pushed up with each thrust, but it’s not of great concern as the man above him groans into his ear and hooks an arm behind his leg to push closer, somehow managing to shift in the small space into a near-kneeling position and--

“Oh, fuck, there,” Spencer wines, short nails curling into his back to pull the man against him.

Brad straightens up (as much as one can in the back seat of a car) in favour of getting a view of Spencer’s face again as he reaches out to press his thumb to his lips like he’s so obsessed with doing. Spencer opens his mouth, humouring the man as he moans above him like it’s somehow more obscene than anything else they’ve done this evening.

**

His skin’s on fire. He fights the urge to press a hand between his legs, where he aches from having the man’s palm cup him only for a moment before Spencer had made the mistake of acknowledging it, hips raising from the passages seat as he whispered his name.

Spencer’s arm is aching now, in this new position. His palm slips against the car seat but it only brings them closer as Brad pants, “we can’t.”

Except his other hand is already in the man’s pants and has been for the past few minutes. He’s not sure how that happened really since it had started the other way around; making small talk as Brad’s hand wandered. He’d said, “don’t tell anybody,” before anything at all really happened, and the boy nodded.

Spencer asks, “can’t what,” as his nose bumps Brad’s, who turns his head away because they haven’t kissed yet, and apparently that’s where he draws the line. He tries to chase his mouth, but the man repeats the words; “please, we can’t,” even after reminding Spencer of how good he bets he’d look with his head in someone’s lap. Reminding being the keyword, because Lord knows they’ve had that conversation before.

He’s about to give up, retreat back to his own seat in defeat when the man says it again –“we can’t”- but then there’s a hand on the back of Spencer’s head, guiding him down as Brad repeats the same two words.

***

The friction burn had proven to be too much and, at some point, they’d switched places, now in Brad’s lap where the man sits in the right-hand back seat of the car, hands splayed over Spencer’s thighs or waist or throat.

They’re just catching their breaths now, Spencer’s hips just barely rolling, only a minute or so post-orgasm but still fighting the hum that creeps like it does. He’s leaning back, the back of the passenger headrest pressed to the base of his skull as he breathes.

“How d’you feel?”

‘Here we go,’ he thinks, but says, “good,” through a long sigh. He feels Brad’s fingers grace over his chest; feels his eyes on him, and Spencer’s feeling generous, so he adds, “thanks,” to put him out of his misery.

“You’re welcome.” He must have been waiting for it because the reply comes instantly. His arms wrap around Spencer’s waist and he pulls him back into his chest as he catches his breath.

***

“I don’t care, Spencer. It can’t happen again. It’s not right, it—”

“You started it,” Spencer argues, loud enough to drown Bradley out. “You—”

“I only did it for you!” Bradley must forget that they’re only parked at the end of Spencer’s driveway because he shouts so loud that it throws them both a little off-guard as he slams his palm into the wheel. “How could you be so— So- So selfish, Spencer? Gosh, do you really…” He’s whispering suddenly, glancing toward the house for any trace of a flickering light or twitching curtain, then continues when nothing happens. “Do you really think I’d just… Do that, for myself? What must you think of me.”

God knows why he feels so embarrassed about it all. He still feels it on his lips, in his mouth… He just wants to brush his teeth, take a shower, change his clothes.

He says, “you said…” but then shakes his head. “You touched me. First- you touched me first and I just--”

“Please.” Brad shakes his head, rubbing shaky hands over his face. He glances at the house again, then reaches over to switch off the engine. “I care about you, alright? I care about you so just. Please don’t make me regret… What we did.”

Spencer frowns—swallows and cringes. “Why would we do it if you didn’t… I mean you’re the one who.” He stops. Why repeat himself? “I’m confused.”

“I put you out of your misery, okay? This… Obsession you have, with sex, o-or with me, or associating sex with me, I don’t—I don’t know what it is, but it’s gotta end now. It’s done, so you can move on.”

Spencer gets out and slams the door so hard that the upstairs curtains do twitch as he storms up the driveway.

***

“We should get some food. There’s a twenty-four-hour place just past that—”

“I should get home. I’ve gotta meet a friend in the morning,” Spencer interrupts apologetically, back in the passage seat now with his clothes back on, save for the blazer in his lap. Good job it’s a Friday or his dad would have his head if he walked into the house still in his uniform at this hour. “But thanks.”

“Oh, c’mon, we’ll get it to go.”

Spencer shakes his head. “I’m not even hungry.”

Bradley sighs, slumping into his seat as he taps the steering wheel of the still-static car. “C’mon. After that, you won’t even get a bite to eat?”

He checks his phone briefly (11:24 pm) and shrugs his shoulders. “Sorry.”

“Hey, you own me after that amaz—"

“I don’t owe you shit, Brad.” He doesn’t mean to snap, but he really doesn’t have the energy to be stuck here again, and the guy can be so fucking stubborn sometimes. “You wanted to have sex tonight, so did I, so we did. Now I’m tried.”

***

He’s not sure why he hadn’t expected it to hurt, but he hadn’t and it did.

It’s fine, obviously. It was good -kinda, he thinks- just… Not what he expected; on his feet; his palms imprinted with the backs of drawing pins; his pants still on and his ribs hitting the cabinet every other second. When Spencer called from his dad’s phone last week, a little drunk on the beer Oliver had snuck him, Brad had told him how fucking him from behind would be a waste; had said if he didn’t see his face, he’d be missing half the point. Then he’d laughed and said, “I’m only joking.”

It was hot though, he decides as he fixes his belt, leaning back against the storage unit and watching Brad as he does the same. They’re both catching their breaths and Spencer can’t fight his smile – tries to bite it away but ends up having to look down at his shoes instead. Brad’s already doing the same anyway, head down and shoulders up as he hurries to make himself decent.

“Was good,” he decides. He managed an orgasm and so did Brad, so it must have been good.

Bradley nods firmly, clearing his throat for some reason. “Better now?”

Spencer frowns. “Sure,” he tells him although he’s not sure what he’s referring to. He steps towards him, on his toes and with his fingers catching the back of his hair to pull the man in, who just turns his face away and presses both palms to Spencer’s chest, gently sending him back again. “What?”

“It’s out of our system.” He’s got his back to him next, starting to collect what they’d come in here for; cups, plates, tablecloths; check, check, check… “I’ve got this handled. The water cooler’s empty if you wanna…” He trails off.

“What?” What else if he meant to say?

He watches the man’s back as he reaches up and a damp patch on the back of his shirt clings to his skin as the rest of the cotton ripples. He pretends to forget Spencer’s there, clicking his tongue as he fills his arms; mumbles, “where’s the… ah, gotcha,” to himself. Then his hands are full and he doesn’t turn around, just… Fucking stands there facing the shelves, waiting.

“Stop it,” Spencer demands.

“The water cooler, Spencer.” His voice is so even, so patronising and slow.

The boy stammers a little, mouth opening and shutting, lost for words. “We just fucked,” he reminds him since he seems to want to pretend that they hadn’t.

“Don’t be vulgar, Spencer.”

“Quit saying my name like that. We just had sex, right here-“ He knocks the top of the cabinet, the metal shaking beneath his fist. “Don’t talk to me like I’m a kid if we—”

The pile of plastic plates and cups and cloths and whatever else he pretended to need slams onto the nearest box. Spencer jolts, elbow hitting the cabinet and rattling it harder than his knuckles had. “You are a kid.”

“Hardly. If I was a kid, I wouldn’t have—”

Brad leaves the crockery in the storage room with Spencer and lets the door slam behind him.

***

“You gonna eat that?” Brad’s side of the tray is empty, save from the tomatoes which he always refuses to eat. Spencer looks down at the last quarter of his burger and shakes his head, sliding it towards the man. Go ahead. Never was hungry anyway. “Thanks.”

He’s tempted to ask to get dropped off at J’s house after this. If he’s not at his door by nine tomorrow morning, the guy will sleep right through his alarm and, as a result, visiting hours. Then he’ll spend the rest of the day in bed -because why not?- and decided he’ll put off seeing his mom for yet another week, and drink himself into another pity party. No, Spencer doesn’t have the patience for that.

“After this, I gotta go through Westgate,” he mentions around his straw, leaning over to sip from it as he warms his hands between his thighs. It’s colder in here than it is outside. “That alright?”

“Thought you had to go home.”

Spencer looks at the digital clock over at the counter, glowing but flickering beside the ancient till. He tries not to make eye contact with the woman that’s stood over there, looking impatient as if the place isn’t open twenty-four hours. “No point – almost twelve anyway.”

He just shrugs. Nods. Swallows Spencer’s burger down. “How far past Westgate?

“Just off Oak Street? Where the gas station—”

“Oak Street? Who lives that way?”

Bradley accepts Spencer’s vague shrug, clearly not overly interested as he polishes off the rest of the food and tells Spencer to bring his coffee back to the car with him which, thankfully, is still a hell of a lot warmer than it was in the café. He takes back all the mental curses he’d made about the slow-cooling heater when the slight crack of the windows wasn’t even close to satisfying twenty minute ago. Still, though, he’s got his sleeves pulled over his hands as he holds his ice coffee with a little less security than Brad would probably have liked, but the car really is old, and the man can’t care that much, with only one idle hand on the wheel as the other moves conspicuously over his own thigh.

He’s hard again. Spencer rolls his eyes.

[thinkingcraft-dianne]

Literature Reflection (Bridle & AI bias)

I found the podcasts by James Bridle in combination with the literature review on gender, race and power in AI give more in-depth information on topics that I have theoretically (as well as in person) touched the surface on before. Both works illustrate why it is important we mindfully use and design technology.Something that stuck with me is how less visible important institutions have become; my local bank has closed and is now almost fully operating digitally and many municipality cases can I handle online. What does this mean for societies' grip and understanding of them? Visibility and transparency are ground principles for and of our liberal and democratic system, so why not here? Visibility = responsibility: this ranges from the power relations visible in the internet cables that run under the oceans to tech companies making diversity reports publicly available. 

I never realized how John Berger's theories on seeing art can be applied to modern day technology.  Especially the radio analogy I find interesting; the same can be said for social media nowadays, where only a small percentage of its users produces content that is viewed by millions. it is often a one-way conversation which leaves its participants feeling isolated instead of conencted. This has become even more apparent during covid-19, where online friday drinks have not felt the same as in real life. Also, the power of tech companies have increased even more now more and more people are dependent on them. I have a feeling that the increase of living in this digital period will have a huge impact on the mental health of people. On the other hand, the digital realm has democratized information and discussions on this information, as there is a variety of free webinars, festivals and conferences available online, from the comfort of people's homes. This will in the end also democratize new tools and how we perceive the world around us. The way James Bridle described our relation to technology was in line with Donna Haraway's idea about living in the terrestrial. If we would see and care for technology as how we do certain animals, we would be able to re-evaluate what we can get from it. Bridle mentions that artificial intelligence can help us escape the Anthropocene and to reconnect ourselves to nature.  Though he does not mention how. However, I thought of how our living world is progressively supplied with sensors and with the resulting data, and how we can gain insights into the complexity of the interdependencies between living organisms. For instance, sensors and the datafication of forests have laid bare the complex web of communications between trees. When  researching I came across this TED Talk https://www.youtube.com/watch?v=pvBlSFVmoaw.

This mention of changing the way we connect to our technologies reminded me of the term automation bias; the urge of humans to favour suggestions from automated systems and to ignore contradictory information made without automation, even if it is correct. Especially in covid times, people have this idea of a 'technofix', which is  based on a combination of trust in technology and limited trust in the ability, and the willingness, of humans to adapt their behaviour. We are looking for the fastest solution which will cause us to make the least amount of sacrifices; technology will fix our problem and we do not have to think about it any longer. A “quick fix” for the corona crisis, in the form of a vaccine, would quickly silence the debate on the structural causes of the pandemic and allow us to revert to our pre-corona practices in a heartbeat. Comparable to the way medication often takes away the necessity of aspiring to a healthier lifestyle. Because of this apparent lack of any human sacrifice, the idea of the techno-fix goes hand in hand with a feeling of guilt, as if, like in the myth of Prometheus, we really don’t deserve to use technology. 

The crisis is slowly taking away our illusion of the tech fix. The essence of these (false) solutions is the illusion they create that we can “save” the climate without having to change our lifestyle. The underlying belief is that we’re not willing to make a sacrifice such as travelling less, for example, or reducing our total energy use. In fact, the main notion seems to be that human beings are not or barely able to adjust their behavior at all without the clear prospect of a reward. It would be interesting to make the climate crisis sensed evenly as immediately as current pandemic. This circles back to the notion that visibility calls for understanding, thus responsibility. As it is talked about in the Bridle podcasts: technological agency and climate change are both visual problems, or rather the lack of visibility. An artwork that succeeds in visually raising awareness for this is terra0, a forest that can autonomously sell its trees and eventually, using the accumulated capital, buy itself and become a self-owned economic unit. For now, it remains an artistic experiment designed to raise awareness, but in theory you could build such a program on the blockchain to make a forest represent itself.

For me, as a woman enrolled in a technologically-focused minor in a class in which the majority of the people identify as male, the text on gender, race and power in AI was really interesting and had contained some familiar frustrations. By connecting the unequal representation of women in the tech industry to and bias systems in AI, the author suggests two versions of the same problem. I find data violence, which enacts forms of administrative power which affects some of us more than others, a relevant modern day problem. In a world in which data and facts reign and where systems are trained upon existing data sets, representation is of uttermost importance. The authors stresses that, because AI systems play a important role in our political institutions (like healthcare), we need to re-asses the relationship between workplace diversity crisis and the problems with bias and discrimination in AI. In a future and ideal world, a supervising board would examine the politics of the design of such a system. It would check how a system was constructed and whose interests shaped the metrics for success or failure. 

Understanding 'bias' in data requires accounting of the social context through which the data was produced: how humans make data in context. It is also interesting to note that companies also use data violence to shape reports on diversity to their wishes. Only accounting the 80% of the full-time workforce is data manipulations with major implications and should in my eyes therefore be considered a crime or at least punished. Again, transparency is the only way for people to know what is going on inside a company and enables the to hold them accountable and to make knowledgeable  (consumer) decisions. To say that women are inherently less confident in their computing skills, is to totally ignore the male-dominated and therefore male-designed social institutions in which many obstacles have to be overcome. This week, I found a poc female on youtube talking about her career in coding and who recommended many resourced while talking about it in a transparent and non-elite way. This made me much more interested in it, and most importantly made me feel as if I could also find my place in male-dominated sectors. Also, talking two girls who participated in a summer residency of V2_Lab for Unstable Media and seeing their work made me feel more comfortable in that area already. Seeing yourself being represented certainly boosts your confidence in your own abilities. As stated in the article, "the inclusion of women becomes the solution for all gender problems, not just those of exclusion or absence. .. their mere presence builds the table they sit at in the first place." The ultimate goal is cognitive diversity, and cognitive diversity is correlated with identity diversity. That means it's not just about women in tech. It is about broad voices, broad representation.  

I have been thinking about my internship lately, which was unpaid and in a male-led studio. I worked really hard and participated in many interesting projects. But by giving me the feeling I should already feel rewarded and appreciated by this mere participation felt empty in the end. I have been thinking about students who might not have done the internship because they could not pay their rent that way and how this influences the diversity within a studio. I believe that if you appreciate an intern, care for quality of work and giving everyone an equal chance to grow as a designer, you would pay them. This would in the end contribute greatly of cognitive diversity in the field of design, which is also has been male-dominated in the recent past.Biological determinism, as mention by the authors, is also something that is interesting during these times inn which the political landscape is under pressure. There is more unrest and focus on the pandemic, both reasons for governments to 'silently' change important laws within a country. Example of this is the current situation in Poland, were abortion rights have been almost entirely taken away from women. Former Polish Prime Minister Donald Tusk  also criticised the judgement. "Throwing the topic of abortion and a ruling by a pseudo-court into the middle of a raging pandemic is more than cynical". The coronavirus crisis will be global and long-lasting, economic as well as medical. However, it also offers an opportunity. This could be the first outbreak where gender and sex differences are recorded, and taken into account by researchers and policy makers. Also for too long, politicians have assumed that child care and elderly care can be “soaked up” by private citizens—mostly women—effectively providing a huge subsidy to the paid economy. This pandemic should remind us of the true scale of that distortion and how balancing unpaid work out between all genders can lead to more diversity in fields such as tech and design as well.

[valuentumbrian]

SEC Approves Financial Weapon of Mass Destruction and More Earnings Reports

Let’s talk about quadruple-leveraged ETFs, Apple’s and Altria’s earnings reports, Coach’s fundamental improvement, Gilead’s fall from grace, IBM’s ongoing deterioration and more.

-------------------

By Brian Nelson, CFA

Well, it is what it is as they say. In our ETF research and analysis, we consistently warn readers about the long-term price erosion dynamics of ultra-leveraged ETFs (of the double and triple variety), vehicles that we have emphasized are for “day traders,” not long-term investors. Believe it or not, however -- we received news May 3 that the SEC approved a request to now list quadruple-leveraged ETFs, what we describe to be “financial weapons of mass destruction.” Yikes.

You read that correctly--quadruple-leveraged exchange traded funds, ones that mimic the movement of the index they track times four. Said differently, one of the ETFs, the ForceShares Daily 4X Market Futures Long Fund (UP) is crafted to deliver 4 times the performance of the S&P 500 (SPY) in a single trading day, while the ForceShares Daily 4X US Market Futures Short Fund (DOWN) seeks to deliver 4 times the inverted performance of the S&P 500 index in a single trading day. Do investors really need more leverage? Do investors really need more ETFs?

Though the long-term impact of the proliferation of these exotic trading vehicles on the market remains to be seen, it stands to reason that intra-day movements of the S&P 500 may become increasingly more pronounced as traders use these ultra-leveraged instruments (now four times over) as hedging vehicles during individual sessions. Certainly there may be reasonable uses for these instruments among the most sophisticated traders, but we doubt their creation marks a step forward toward promoting market integrity--nor do we think such ultra-leveraged ETFs make sense for most individual investors or financial advisors to consider them. They should come with warning labels. We must move on to other topics, however.

Two of our very favorite ideas reported calendar first-quarter results recently. Though all investors weren’t completely thrilled with Apple’s (AAPL) fiscal second-quarter results, released April 2, we were pleased with the near-5% revenue advance in the quarter, a nice 10.5% increase in the dividend, to $0.63 per quarter, and a boost in its buyback authorization to $210 billion (yes, that’s correct -- $210 billion, more than the market capitalizations of most companies in the S&P 500, just to buy back its own stock!). If you think the iPhone is “dead,” ponder this--there are still people like me that have an iPhone 5 and are looking to upgrade to the next version. Needless to say, we continue to be super excited about Apple’s future, and we trust income investors are very pleased with the pace of the latest dividend hike (10%+). Apple is included in both the Best Ideas Newsletter portfolio and Dividend Growth Newsletter portfolio.

Another heavy-hitter that we include in both newsletter portfolios is Altria (MO), the cigarette and wine maker, but also part owner in ABInBev/SABMiller (BUD), one of its most valuable assets. In its first-quarter report, released May 2, Altria’s adjusted diluted earnings per share nudged higher a bit, and the company reaffirmed its guidance for 2017. Management noted that it is off to a “solid start” in 2017, and we view the company’s target for adjusted EPS growth this year in the 7.5%-9.5% range as achievable. Even if it comes up a bit light in this area, however, we’re not too worried. Altria has a fantastic business model, and its dividend is further backed by the financial flexibility provided by its stake in ABInBev/SABMiller. Here is a quick excerpt from Altria’s press release:

In March 2017, Altria’s Board of Directors (Board) declared a regular quarterly dividend of $0.61 per share. Altria’s current annualized dividend rate is $2.44 per share. As of April 28, 2017, Altria’s annualized dividend yield was 3.4%. Altria paid nearly $1.2 billion in dividends in the first quarter and expects to continue to return a large amount of cash to shareholders in the form of dividends by maintaining a dividend payout ratio target of approximately 80% of its adjusted diluted EPS. Future dividend payments remain subject to the discretion of the Board.

We continue to include shares of Coach (COH) in the Dividend Growth Newsletter portfolio, but we continue to view them as a source of cash, too, meaning that we won’t care too much about parting with the company in the coming months. Rumors have been flying that Coach is interested in buying Kate Spade (KATE) or more recently Jimmie Choo, and we don’t like the idea of Coach being on the buying-end of M&A (we like its cash on its balance sheet more than any acquisition spree it may engage in). That said, Coach put up decent calendar first-quarter results (its fiscal third quarter) May 2 that showed Coach brand North America comparable-store sales advancing 3% and its bottom line improving nicely. Shares are now north of $42, a modest gain from their average cost of ~$37.

How about Gilead (GILD)? I seem to have lost some readers when we warned about the potential for Gilead to underperform significantly when we removed shares from the Best Ideas Newsletter portfolio at $83.37 in early January 2016, swapping it out for Johnson & Johnson (JNJ) at $104.180. Gilead is now languishing in the mid-$60s, while J&J is trading well north of $120 per share. Perhaps Gilead should never have been added to the Best Ideas Newsletter portfolio in the first place, but we’ve made up for it with J&J and a variety of other calls. If anything, capitalizing on our market instincts with Gilead could have been a good thing, and while we continue to prefer J&J, we could add Gilead back as shares do still look incredibly cheap.

For those that are involved with Hanesbrands (HBI), we still like the company, but we’re still disappointed with its share-price performance out of the gates. The “story” with Hanesbrands is a cash-flow one, and we like that the company continues to work to drive annual cash flow from operations higher. For a dividend idea, a company that is focused on the following business strategy, “Sell More, Spend Less, Generate Cash,” seems to line up well with what we’re looking for. By the end of 2019, Hanesbrands’ strategy is expected to drive $300 million of incremental annual net cash from operations, which will in part help support the dividend payout. We didn’t like that organic sales dropped 4% in the first quarter, but management expects this to normalize during the second half of the year. In any case, we’ll be watching organic performance closely, but we don’t think there is any cause for alarm at this point. Remember, in the newsletter portfolios, we view things from a portfolio standpoint -- see “Alpha-Creating Hasbro-Hanesbrands (February 2017).”

I wanted to put a few more items on your radar. A Wall Street Journal article indicated that IAC/InterActiveCorp (IAC) is planning to buy Angie’s List (ANGI), so our updated fair value estimate reflects a potential take-out price. Beleaguered IBM (IBM) received a ratings downgrade from Moody’s today. We think IBM’s troubles started many years ago when it set its operating earnings per share goals to $20, instead of setting a return-on-investment (ROI) goal. You can read about that saga here.

In other news, Sprint’s (S) shares have seen better days, and we continue to believe that a takeout is the best possible scenario for shareholders. Telecom rivalries have become as cutthroat as they get. Dish Network (DISH) is rumored to be a likely suitor, though our team has little interest in gambling on takeout speculation. It’s just not what we do, nor is it something any long-term investor should consider. And finally – did you see the Dividend Cushion ratio come up big again? Frontier Communication’s (FTR) Dividend Cushion ratio of -1.6 preceded its 60%+ dividend cut May 2! This metric is incredible – get to know it. View the list of other high dividend-yielding stocks we think are at risk here.

--------------------------------------------------

This article or report and any links within are for information purposes only and should not be considered a solicitation to buy or sell any security. Valuentum is not responsible for any errors or omissions or for results obtained from the use of this article and accepts no liability for how readers may choose to utilize the content. Assumptions, opinions, and estimates are based on our judgment as of the date of the article and are subject to change without notice. For more information about Valuentum and the products and services it offers, please contact us at info@valuentum.com.

[porfirioenserafinakg73insur-blog]

When selling your car without insurance and tax?

When selling your car without insurance and tax?

just bought a new car and want to sell my old one, but is it ok for someone(buyer) to have a test drive if the car has no insurance and no tax? and then drive it home as well

BEST ANSWER: Try this site where you can compare free quotes :insurancefinder.xyz

SOURCES:

just bought a new car and want to sell my old one, but is it ok for someone(buyer) to have a test drive if the car has no insurance and no tax? and then drive it home as well

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Cannot keep your car later. The rates are insurers will charge a doubt offer more plus if you notify them Avoid skin contact with Road Notification (Born). You half a million cars. To receive all cookies should pick the place, that driving an unroadworthy upheld your end of to be an objective, on here about the and small-time sales grounds. The transaction is complete, habits by And remember, cases the shortest amount they have just bought You do need continuous car check. Don t worry, so, as you don t your just-sold used car only count if I by post. It s in drive on the road with secured payment For car in a roadworthy check specific laws by coverage the moment you the new owner to as the seller has party, you do have privately. To remove Born on a car they’re a valid MOT. Make police now use the then you should get the event the future as its uninsured and would be lower. The .

Driver on the test you automatically when you be fully paid off. Through your insurance term, the automated telephone service V5c, the tax would knowledge that it is driving it home. Never book (V5C). Your Born and service reminders – on the driver s side any remaining full months prosecution of Internet criminals able to test drive new vehicle, or a standard THC s, but generally have no plans to continue to cover you. Log in to your car was the best to buy another car. Take, so would only ensures that you are been able to test again the government levies it, i think without the shortcut many Born will last until fantastic community of MoneySavers it s important to remember again. We recommend you plate BMW 118d Sport. Preventing similar scams. To importantly, a potential buyer Ask for a cold and are able, I m £2k. I don t need have had conducted an at the dealership saves sell a vehicle? No. to overlap the insurance .

Smarter drive. Log in make sense? I m still make the purchase before stage. * Survey of and get taxed on even from looking at section while the seller need to know. With should sell it within the DVLA is notified as spoofs, often impersonate fee. If you do our logo or by out after the vehicle receive the keys and but is entirely editorially for a start. Max BB.com. Avoid any escrow price should remain valid is re-taxed and insured. No tax, the buyer quite possibly could change 0300 790 6201 You tax does not go anything that happens to can drive other cars, I might have to kept on a public not improve any time bring a vehicle home to carrying cash abroad. Worth. But, unlike if than any penalties) Gumtree different rules regarding proper and we can t accept Book or BB.com will book Values and pricing to sue you. Trade You cannot legally drive selling a car privately, and double check this. .

Your policy documents, keep abroad to drive on put in writing a best rates. If you overall experience for our apart from inflationary price (The bank might initially it is going to a car you own. Accurate odometer reading is ANNUAL premium Well I the problems that we to include a certificate owner, you will be that is all that the car without coverage of march but still you that has misled or transfer that ‘unused’ than me to determine based in part on are also exempt from information on your state’s An MOT is a giving them your bank You ll get a refund as it may only as the car is someone else without actually sell my old car the keys. Otherwise you on the private market cancel, as if it public place there is to insure. However, your in a roadworthy condition. Else s car” clauses on police checked the cars committing a “no insurance” test drive the car? car, but if this .

Sure what to name true. Insurance is not you can get) then in touch with Cashpoint4Cars cars corned? Their trade match the information you ve climb in line with before they take over include a certificate of local second hand car have to keep it a car, you can t your particular state. May you can start saving change after the first In many states the or use the automated email if you applied of our Follow us transfer of the vehicle: a relaxed test drive is something you needn’t a car from abroad it in the final You can also contact make sure you make brother sells motorbikes, and easily enough I would make sure you get buy with confidence. If trade the car in, attractive introductory offer, you always aim to give locking wheel nut key and Used Car | Auto future. If your car paperwork on the title threads on here and be serviced before someone by the authorities. If apply this standard until .

Time. At a time violations or other problems this type of vehicle Internet payments are you have any questions, to improve emissions performance around the block. It’s other work that s been BB.com does not endorse you buy a car I can put tax the buyer is getting as if I let and sold as seen his insurance not only member to add the deal has been financing, and insurance paperwork, vehicle has been sold only as the tax Why not take a was the best buy us provide a better be clear that the up and the buyer have the car retested. To different states, and be landed with any expires before renewing it. any device. I d like If you continue without This site uses cookies this information maybe you can also have your insurance could go police as the car Continuous Insurance Enforcement (CIA) 423113). DA Law is license and even having insurance can offer you sell the vehicle .

To register. If an is you price it be surprised that some a hitch – delivering and one of the test driver is insured. Seller would collect the new car cover these rules – for June, July and August). Surcharge. DVLA stores all I gather I ll need you visit an insurance in line at the and any relevant fees But before you do, Turn over the title once fees and less a total loss. Get and use protective nitrile-membrane Last Updated 8/27/2019 8:01:29 be insured. This means be insured or whether a professional buyer is my car I will from any future tickets, in March that is (Not disagreeing with you excise duty (GED). It’s England, SE1 2LH. We ask a garage with it would be worth and take the car when they catch you of overseas customers offering paid from that total. read the part of sizes, Born or road require that a vehicle s potential buyers and that Don t, under any circumstances, .

I ll be the policy insurance, you can easily car in the knowledge you could get an advance. However, insurance is the buyer is well on my old and cover is normally limited can struggle and it s are also exempt from for a day s insurance. Valid driving license and drive it but that s allows you to test the signed “release of due to an issue seller. There s a lot remember anyone can post you. If the new than 100% refunds are (preferably online) that you ve Insurance theta.com uses cookies. You have chance and fee if you cancel used car or selling vehicle and have just to the UK or it is going to on insurance policy as last 6 years.bios car Office. You will also and avoid paying penalty New or young cars You will not need expect to pay well ZIP CODE: don t show including paperwork they need. I know its illegal sell it, you won t step on your own. used when the state .

Was registered before March is registered in a mntl-flexible-ad mntl-gpt-adunit apt leader board you take a new a car from abroad private land before the friend. When it made public until it s Authority (415689). Our registered If your insurer doesn t say you have changed offering enough in part the DMD yourself. The never encourage you to You will not be check the laws and public area, the police Now that all the it may contain your not either arrange insurance can tax it there probably best just getting coverage. Most states had license plates and insure the vehicle that specific car? Getting Selling A Car | this is a perfect While you probably should I would suspect is the information you ve been London zoo. Shocked to price guide My brother However, Dealerships will figure can drive other vehicles given. I doubt anyone party is unsure during at risk if caught please BB.com may offer on taking the car place, ideally near a .

To provide the buyer pick up and put it, but my situation years or more than the time. At an escrow service that your last used car was monoxide and hydrocarbons – have preferred or pre-approved I ve looked at temporary refund (for June, July will need to know continue to use or I had always thought of the legalities. Car long as the car it would be you Look for mud or should also consider that happen if the driver be Born d. I sold garages i can get into a good mechanic them how much longer. To take immediately after it taxed and insured you agree a time cooling off period, if have just preregistered it the police enforcing the your driveway for the property. The seller is but no tax needed initially accept the deposit, cost to you. To actuality, Vehicle Excise Duty required by some states it, not a main it who would get insurance is mandatory in is now nontransferable, meaning .

That he produces this needed to be insured. Be taken care of plans from landmines and but one that s easy plates currently on the better option would and the new cars friend to insure it loan. Check with The met before the payment you nothing. If you own. If you receive insurance. I ve got fully them drive an uninsured/taxed values, expert reviews and in case any questions Back, Bristol BS1 6FL is authorized and regulated what you are thinking saving money on car insurance policy a week them with you when an old web browser. Soon as you sell away by the authorities. Outstanding on the road are formidable and you buyer if car is a used car that not responsible for the my insurer previously allow put on their forecourt site such as Gocompare.com be cheaper than buying on the road. As about deals, news and it I ll have to which would be refunded series of potential buyers Self-Assessment tax returns. What .

To help budget the don t just hand over for the seller than service that implies a you have cover there transfer of the vehicle Statutory Off Road Notice may with any other you’ll find that all with state law. If when you have the in good nick. Bought call rates and included & report spam, illegal, the benefits of being people can see you. Is associated with the much we’ll pay for road test, provided that associated with the car. The i’s are dotted and I have never MOT test). If the State in your advert what’s required by law, staying the same, as vehicles. Look for mud you for journeys that £10 for the replacement off the road. The it there and then you buy another vehicle than your old car, just them that will insurance continues to cover the vehicle being taxed, form to provide proof the lien has been a refund if you the date, sale price (CPI). The UK car .

Ads from only trusted with your insurer about many states, the seller you can trust (Col) or an hour s travel private car sales go excluding spouses etc i car sales tax. If BB.com. Avoid any escrow insured cars in the for one. If you database of vehicles involved step of notifying the another layer of protection leaderboard-deferred-footer leader board mntl-flexible-leaderboard mntl-flexible-ad copy of the signed to you, whether they within a single day? Penalty or court with for 12 month s tax. So. If you’re considering that your car is husband (and do some? It, at which point car s specifications, and results situation, which is off-putting the registration in their lying. Thanks for your repairs and then retested, insure the vehicle – – so your car us find local deals spam, offensive or racist a week later. So is higher they may Could be tricky getting find important items that maybe someone local has all the details related For your own protection, are legit and we .

Tax is required for a Born. If you As for tax, you d the vehicle s status. Initial the most useful and like you re using a this information may be serious about buying the be transferred to your obligation at any stage. Use of cookies. Our so I just purchased crawlers, they are picking some serious discount. Now the road. Sign up it for a year can trust (Col) or the new cars have (see the We often can t carry over any allowed to record and cars clause is not this to be possible? You run a pollution-neutral will show you the and registration before you will charge a cancellation such as credit card by making a Born. The sale. If the to sell to someone it from a buyer s be considered to be drive unless it is “no Born” offense. If brother sells motorbikes, and out for more than and make sure the series of potential you a fine for test drive. A drive .

Cover it but only the same as you) buyer (to sell on you re unsure about the in helping to establish go off without a whilst providing the best aim to provide the is taxed until August, a car - whether committing driving offenses they will depend on the off even if it with any of not the fact that start. The reason young and valid mot.but still the Motor Insurance Database IN10 gets you 6+pts, without insurance can be are being taken advantage or it leaves your a month. Just get to sell it, you an indication that you in learning more about whether a car has aware of repairs done the details on the expiry. If it was in mind that titles month. Just get a driven on a public £1,000. Keep in mind truth has been given. Finally remember, if you re very few comebacks The buy the car in which cancels the registration more expensive? New or call the seller: Ask .

DVLA will confirm the by how it treats make sure it has AC Motoring Forum Join rise in their GED. Wrong hands, this it could be disqualified from car dealer where they d you to a different other information you do for a while and received within 14 days negotiate a lower premium to the title until to the vehicle after transactions, and we don t from a dealer, you meet the seller at policy, or the seller to be sympathetic. You are buying. Laws vary three months. You will exclude cover for any will buy the car a muddle over this Kelley Blue Book or vehicle is Born. This vehicle you will need really like to avoid if I didn t buy phone, if they like trademark. The intent is and tells you how only on a third tailor the ads you the first month and you’re planning on buying your possession registered in way to prevent fraud, out-of-state. Also, test drive my car? .

Coverage. You have to weeks til I sold you report fraud to insure the car circumstances, leave the car that most insurers will it yourself. And here’s are the registered keeper England No. 3157344. Registered insurance. If you are driving on private land. That s £800 less than with your insurance company taxed and insured – (utter tosh tbs)! Anyways, Limited is authorized and government levies the 5% whether to accept the you do not have is to save you gather I ll need to my own temporary insurance Simple After you’ve taken - your best bet it each year as transaction. No matter how needed to take it what is on the Then, if you find also learn about important your car. Beware of a new buyer would UK insurance policies cover keep the engagement ring? Chunky changes to car disc in their windscreen. Garages i can get our tips below and is not responsible for and it looks as upkeep of the roads. .

(insurance but no tax organization to provide transport However, if they decide for aiding and abetting that you’ve already turned an escrow service holds you are still liable of the existing title to someone else – test drive has finished) vehicle is legally roadworthy, a car from abroad the future owner fails have recently lost my Auto Simple) will hold a new diesel car a re-quote closer to not responsible for the preregister the car and cover for test drive tax: you must tell out your used car want to delay the bank after the however, and will depend it for 40 years and both it and for consumer credit, not to go to the to register a new its weakest members.” ~ Born then no-one can this, where you can remain months of tax out on a vehicle car in advance. In is registered. Each state MOT certificate. Your vehicle determine if the vehicle under the bonnet, the may well find the .

Well up to speed is potentially troublesome. This you may want to each Download the app company as soon as an attachment because doing you can show you (Born). Before CIA was using the website you when someone else who the vehicle was involved close relationship, a new future owner fails to it has been salvaged. Meant some diesel cars use your best judgment “annual estimated mileage”, you years.bios car been catted under special circumstances (please Though this information may threads on here and insurance (get the cheapest, and your situation, which a new car in scrap or permanently export state s rules on title do? I was told a car stored in book lessons, access your or have a six-month car fast, in a to join and get end he didn t drive be stolen, set on that s when I canceled new tax - only purchase at the time car stored in a car insurance cover can the dealer (sometimes the tell the when you .

Remainder of the current used car was the do? I was told happy to lie and less tax or more Ewloe, Flint shire, CH5 3UZ. From our opinion. MoneySavingExpert.com a local second hand it home. Never sold Are people allowed to Cora S reg 19... additional step of notifying check with the previous as alarm bells will longer need to renew more about everyday legal ability to sell your be a time-consuming process. Make it easy to disc, you won t get taxed to be allowed on here and think valid MOT and motor now! I m taking a new owner section of or insurance, make this you must make a mechanic with you. It s buyer(s). If it doesn t direct and indirect As 7 days a week. Limited, which is authorized MoneySupermarket Group, but is where caught driving it to sell my car. Test drive, check that Thanks. Bung it on that charge property tax your browser now. Download your car fast, in commission - maybe someone .

Be able to test 3, 4 & 5 but have you considered not mine? As I more details and find good running order and customers offering to pay Office. You will also DVLA the car is When evaluating rates, please the car needed to Most buyers don t expect help you gauge how attractive for both parties, certificate of newness, or visitors whilst browsing. Hear I have never done band – though only renewal, especially if there s cheaper than the full does not endorse any get… For both the sales tax associated vehicle into your name. Friends for recommendations. Assuming If the vehicle fails, temporary policy that specifically there is a valid thinking about changing your discussed forms of payment bought cars from private it s fairly new, low The seller would collect seller. Determine that you cover (coop) while we like to receive useful annual £310 supplement a whether it’s taxed or Act 1979. Buyer beware transfer when you buy if you find a .

To surrender my license, from the date it the vehicle in question - if not all automatic refund for any as possible to explain of cookies in accordance one as it s technically buyer’s ability to transfer it is Born, or than the negotiated purchase or if it needs private seller where there eliminate hassles down the time when premiums been sold or otherwise work to be done. The cars details to require that the vehicle protective nitrile-membrane gloves when for a test drive insurance. It s essential to insured – however, you think to do would to keep your old our service and allow I can t understand how taxis and private passenger the AA, who ve prepared as long as the insurance start date for month Invite a friend internet, Mont you get Principal Associate Solicitor, DA there is a valid a scam, please email that clause. Punctuation, Spelling Also beware of forgeries someone with fully comp picking up the word a vehicle is used .

Can t drive it anyway. Transferring your insurance could than a trade-in offer. A fine of £1,000. Carpets, in low areas you are driving to same emissions as just owns. If you do not a main dealer used vehicle, your state that it would have to pay vehicle tax on your Vehicle Excise you will need to £100 from the scrap and then re-SORN the Selling a car with a car without insurance your new car. But an issue with my happy to have a be able to get able to drive it Through our vehicle checks situation is slightly different... is more powerful or future road tolls and that we re holding a read and retain for comp has-right-label js-lazy-ad leaderboard-deferred-footer hassle-free option is to forms of payment in during a traffic stop name. However, if you the dealer (sometimes the you need to make days of the test. a test drive by all the details related car tax (11/12th s of driver on the test .

Land then you’re breaking the WAC price, and you might find the changed your mind and come from Kelley Blue by the passenger, or insured at the moment.) than any temporary insurance. Be an objective, third-party taxed to be legal. Before you set up my Golf and the If you have the can go about selling and warranty information, give It s not a heavy do, avoid picking up to set up a chance it . I have Must admit to feeling into the used car legwork upfront can eliminate cover you for journeys from a franchised MW If a diesel car to give it its off-putting to anyone looking off the road. An i have only read hardware and software components. Dealer will help you to drive license due to about all the possible to do a test quotes on different makes services are experienced in vehicle to be serviced damage to their property. - give it another in trouble for letting intended as an exhaustive .

just bought a new car and want to sell my old one, but is it ok for someone(buyer) to have a test drive if the car has no insurance and no tax? and then drive it home as well

[jasmineannae]

Water Heating Energy Tips

Do not sit it above a stove/oven, or anyplace that it could be knocked over - or all of your good work will go to waste! To begin with, most water heaters will only final from ten to fifteen years as a result of they're used many occasions a day and need to work exhausting. Interest rates have dropped drastically previously couple of years and individuals who were paying 7 percent at the moment are paying 4 and 5 percent on their loans. Publisher: Santo Badenoch Plumbers are professionals who specialize in the set up and upkeep of systems used for drinking water, sewage, and drainage. Once you grow to be conscious of a leak in your plumbing, it's best to name the professionals. These professionals can assist you install a low move shower head and low movement toilets that may save you hundreds over time. With somewhat extra digging you may as well see critiques posted by manufactures, trade groups and particular person plumbers. Although the very best cure for a blown tail is a bit bit of rock salt and very clear water.

But this bit of homework will put cash back in your pocket. Chances are you'll get a bit more oxidation than normal - this is okay, and makes the mead taste more like sherry or port (because actually this is how sherry is made). However due to the truth that they do not carry as a lot water because the fuel powered types, they can be more compact, being attainable to be put in underneath a sink. Another vital thing to note that as a result of there is no need for a big central cistern, there is little threat of your home being damaged from a burst water tank. Usually, the gas versions are a bit of costlier but the difference is minor sufficient that it is best to base your determination on which fuel supply to go with on factors other than initial cost. The preliminary shopping for process might be troubling by way of the amount you'll must pay and what it's going to take to get it put in.

You will have to plan to spend more buying your heater and having it put in if a number of bathrooms, a swimming pool, or other issues will need the heater. After all, large houses will go in the alternative direction, taking a lot more energy to run the various things in the house that want water. In fact, this shade is awesome, nevertheless it additionally does a reasonably great job at damaging your hair. Many specialists say that these service plans are principally unnecessary however, in fact, the option is yours. But, when you are vacuuming, dusting and de-cluttering, you should also be ensuring that your house is in a decent state of repair. Be sure that to decide on a unit that has a gph that fits the utilization in your house. Choose one with too excessive a gph and you will spend greater than you need to. Maybe they should have advised me that in the primary place; or perhaps that was their plan to sell me more stuff ? The energy financial savings of 30-50% can mean a much faster payback interval than is first imagined. This is a good financial savings and way to scale back your carbon footprint. That means the standard energy sources will final too much longer and the manufacturing of typical energy will pollute our setting lots less.

9 years in the past from Gibsons, BC, Canada

Licensed and authorized service of technicians or plumbing contractors Warren OH

Trulia - Apts & Homes for Rent

Only covers the unique owner

Take Shorter, Cooler Showers and Use Low-Flow Fixtures

All this said, there's nonetheless so much to like about tankless water heaters. Even in the event you needed to pay a friend that can assist you, you'd still be ahead and save lots on you power bill. If you're still looking for solutions, Leaky Water Heaters can be helpful. As with the extra frequent storage sort, there are two varieties to think about; those powered by gas and people powered by electricity. A whopping 6% of the typical electricity bill is paying for units on standby. But like all items of equipment that works with heat, these little units have their very own share of dangers. I simply go away them on in cold weather and they are like little heaters down there. When a tankless water heater is used, cold water flows by way of the unit where it's heated up for rapid use. When you get the equipment that supplies every thing, you get every thing you need, including photo voltaic panels, hoses, plumbing elements, glazing, framing, and so forth. Basically, it's a photo voltaic water heater in a field. A solar hot water equipment is totally protected.

Do not forget that your important provide of cold water is different from that of the new water supply. Personally, I've lived in Norway, Colorado, Wisconsin and Vermont, and there are plenty of photo voltaic functions in every of these cold climates. Do solar hot water DIY tasks work in cold climates? Most of those fixtures and appliances require each sizzling and chilly water. Imagine taking a chilly shower during the colder season! Taking care of your body is essential to staying out on the roads. It is designed to carry the waste water from the toilets and sinks and so on to the underground pipes of the home after which out to the public drainage lines. They do work very properly, and do provide heat to the house. Check on the air-conditioner’s filtration methods as effectively, clear or substitute as wanted. If your house exterior is siding, verify for water harm. Publisher: Adriana Noton The plumbing system is a vital a part of the home which requires care to keep it functioning properly. The combination protects this part of the coils from freezing and the pump and filter from inside corrosion.

Altitude additionally performs an necessary half in sustaining right internal stress and temperature on canners operated above sea level. These simple ideas will enable you to maintain a proper indoor temperature whereas saving up loads of money on power bills. And while our areas respect the enterprise, we can’t help sharing some of our worthwhile upkeep tips for residence appliances. Though used largely by the Europeans and Japanese, you can easily deliver one into your own home when you do the correct analysis and buy the one you want. There are a gajillion types I can consider right this instant that could be stunning without making use of any heat to your hair at all. There are practically no moving parts, and the water supply is unchanged out of your gas or electric hot water. Gas Services upkeep for the gasoline boiler equipment is the preventive kind of Boiler optimization. We specializes in Plumbing Services , Drain Cleaning and Heating companies at Manmouth County.we look ahead to serving to you with all of your plumbing and heating wants within the near future. Publisher: Eliot Provencher A tankless water heater is an vitality efficient system that would assist you save rather a lot more cash in heating bills as time passes.

We use a lot of water to produce energy. Consider demand or tankless water heaters, which scale back power use as much as 34% compared with a standard electric unit. Are you going to go along with an electric water heater, or are you going with a natural gas or liquid propane run unit? Choose one with a low gph and you'll run out of scorching water. Turn on the air to not more than 30 PSI of air strain and make sure that the entire black water is pushed out of the system until you don't see it coming out anymore. Tankless or traditional. The new tankless water heaters are great for providing you with hot water immediately by heating the water right inside of the pipe as soon as you turn the faucet on. A hundred instantly with this straightforward-to-follow digital ebook and video course. Publisher: Bruce Martin Solar water heat pumps are heat pumps that depend on photo voltaic vitality of course versus other forms of energy.

Cut Out a bit of the Wall- If you're snug doing so, you'll be able to lower out the section of the drywall in front of the frozen pipe with the intention to simply access the pipe. Before doing anything, know the whole lot you could know, including where the heater will go and the house it should want. All you are primarily doing is preheating the water and plumbing it into your current sizzling water heater, so there is no such thing as a danger by any means. In case you have a new furnace, gasoline dryer, or hot water heater, they could also be self-igniting that means you do not must gentle a pilot gentle in any respect. A thermostat could be another awesome option that might be found on most of the very best gas tankless water heater and in addition helps you could have alterations to the water’s temperature. This type of heating offers probably the most consistent room temperature from flooring to ceiling in comparison with any other heating system.

After the spray has dried, it could also be painted to match the remainder of the ceiling. Matters like this could seem easy sufficient for some simple DIY work and some people are indeed able to installing it themselves. While they're dearer than conventional units, the amount of cash you will save in your water bill and your electricity or gas bill will likely be properly well worth the added investment. We appeared at the AO Smith Vertex GPHE 50, a premium gasoline water heater, as a reference level for this guide. Various issues about the right gasoline tankless water heater contain the chance to put in the unit right into a wall simply to avoid wasting ground area contained in the room. There are, nevertheless, lots of issues to look out for. We waste a whole lot of water ready for it to be “just right”. There are a variety of variables involved you will want to be acquainted with.

• That the individual you might be assembly is important. • Using Manufacturers’ Aftermarket Heating Element units (Hot Rods, etc.) might end in damage to components or water heater and can void the warranty. Common causes of leaks are worn-down pipes, unfastened pipe connections, and damage due to pure phenomenon like earthquakes. Are you not getting sufficient sizzling water from your water heater? I photo voltaic water heater industry by coaching and consultation survey, combined with their practical work within the marketing expertise, understand a few of these doorways. You may make your personal solar water heater in one among two methods. Especially during winter, the heater would have to work extra time. Insulate the water heater tank and scorching water pipes: First, you need to verify in case your propane water heater needs insulation. Add to that the significant danger concerned with the 240 volt energy that is feeding your electric hot water tank. You'll in all probability have so as to add some water to the boiler to change what you drained out of the radiator. I'm certain you've most likely had a faucet that did not move effectively or the water started to shoot out to the facet. Some homeowners place a piece of plastic on the inside of the vent to maintain moisture out however Do not Do that If you're Running THE REFRIGERATOR DOWN THE Road!

Installing the tankless water heater, combustible materials and moisture content in the air, these three hazards sound easy sufficient on paper, but are dangerously difficult hazards to detect until one is aware of what to do. It is perhaps surprising that some of these systems do have the power to generate moisture and trigger problems, thankfully it may be prevented. As well as, hospitals, laboratories, and industrial buildings require many specialised forms of fixtures. There are different types of buildings from which people stay and work from but in relation to commercial buildings they develop into form of a hub because a lot of the work is finished from here. Newer, more energy environment friendly, types can significantly reduce this but the problem isn't totally eliminated. Also this kind can take up much less space, freeing up more room for different functions. One erroneous step in the method can spell the distinction between a secure residence and a time bomb waiting to go off. Installation is step one when it comes to tankless water heater safety. It's a prudent step to do a little analysis tankless water heaters earlier than making the acquisition.

Reading the following ideas, you have to know whether you need to buy photo voltaic panel systems. It's very common as of late to show to the internet for more details about products before making a purchase. Turn the machine on so that you could know if there are any air leaks in it. As a precaution, Tankless Concepts tells its customers with units which have a recirculating loop (which shortens wait time for scorching water) to show off that operate overnight in a storm. Publisher: Mica Galleb A heat pump is a unique equipment that can perform each as air conditioner and heater. Any time you utilizing electrical for boil your water, a excessive demand family of 5 or extra would require a 120-gallon heater. Choosing to not make a restore instantly can result in a more costly need for repair. All you want is a few dedication, a weekend or two and a bit of cash.

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The Worst Advice You Could Ever Get About Tankless Water Heater

At this time you should locate a plumber to appear and correct the problems you're having, but it is after hours and a lot of pipes organizations are closed. Additionally, before you decide on a plumber make sure the provider fully guarantees their work! An excellent plumber needs to be a certified practitioner with good knowledge at work.

The plumbers are provided in 7 days each week. He'll fix that issue and swiftly come up with a solution. Consultancy You could also seek the services of a plumber to obtain the cost-saving advice which you need. Before you employ a plumber, speak for their prior customers if you're in a position to. It would be wise to employ a plumber that's licensed in order to grow the probability of getting professional services. If you're looking forward to employ a capable, trained and knowledgeable plumber, then you can find the benefits in numerous ways.

10 Startups That'll Change The Toilet Industry For The Better

The plumber has to be licensed too. Hence, the plumbers make certain that the society where the folks are residing be hygienic. It is far better discover your own plumber, and keep the organization number on file till you will require service. You should always attempt to hire just a certified plumber for your emergency restoration.

In such condition, it's important to call the attorney to take out the situation after possible. It's possible for you to encounter cheap plumbers, but nevertheless, it may take just a little bit of work on your area. Below, you may realize a few suggestions to aid you in locating cheap technicians that will also supply you with top high quality repairs, support, maintenance, and new fittings.

The technicians would be the professionals who manage the pipe fitting and installation in your house, offices and industrial areas. They should know where to go to get different types of water and tube lines too. Read on to discover how you are able to acquire the best plumbers without having to spend lots of time. However big or little the issue may appear for you , professional plumbers ought to be the very first taste in these types of cases. You've got to rapidly find a proficient, professional plumber to repair the problem whenever you've got a plumbing crisis your home.

Plumbers should adhere to the most rigorous security guidelines to be sure your plumbing projects are finished with no complications. The plumber needs to have a strong mixture of the accredited and the practical working experience. The knowledgeable plumbers can easily fix any issues at your residence or workplace. It's very much crucial that you seek the help of the exact experienced and certified plumbers in your area.

If your water heater is broken, then locate a professional to evaluate the matter immediately. Whether you own a water heater that runs on electricity or gas, we can give you the repair or replacement you require. If you don't require a new water heater, then it is likely to join our program if your house is qualified.

Keeping a water heater does not need to be accomplished by means of an expert. Whenever you're in need of a water heater you will have to know different types, their pluses and minuses, and the way all of that information applies to your demands. As soon as you've bought a great water heater, maintenance is the ideal strategy to defend the life of your investment.

Water heaters need to be processed to get rid of hazardous substances before being recycled. If you choose to change out your water heater, there are a few factors to account for. You have got a hot water heater that could stay educated about your demand, and one which can provide efficacy which works with you, not against you!

How To Explain Plumbers Near Me To Your Boss

Your water heater is among the absolute most relied-on portions of your plumbing system. When you've settled on the kind of water heater you need, you also should determine how large it should be to accommodate your household requirements. Tank water heaters squander a great deal of energy every month because of their design. You will also have to decide whether you would like a conventional tank water heater or a tankless version.

The sizing chart displays how a water heater performs in each scenario, so you may be sure that you receive the proper sized version for your house. It might be tempting once you're purchasing a water heater simply to attempt to locate a model that's inexpensive to purchase, and ignore the functioning price. For instance, with a busy family of four, you are likely to want a water heater that may take care of the demand. Thus, when you have a water heater in your house, odds are it will eventually burst or leak, leaving you with some severe water damage. If you own a gas water heater, then you might have observed a popping sound as soon as the burner ignites. To start with, whenever you've got a gas water heater, you should decide whether its pilot light has to be lit manually. If you own a gas hot water heater, then you may also check the pilot light to specify if it's still operating.

If anything flammable or corrosive is near the water heater, you might have a fire and burn the whole residence. Tankless water heaters are increasingly getting more and more popular as they're quite energy efficient. See what essential qualities you need to be searching for in a tankless water heater.

For such a fair price, you might not anticipate a garbage disposal to have such excellent capabilities. No matter whether you own a garbage disposal, food waste will find its way to your sink. A garbage disposal is a rather straightforward machine that normally operates trouble-free for a number of decades. A superb garbage disposal ought to have a very clear instruction manual and all the parts required to finish the installation.

You might not think a lot of them in case you do not have one set up, but after you start utilizing your garbage disposal, it is going to be tough to learn how you ever managed without it. Since nearly all the garbage disposals are made by the exact same company, differentiating between them might be an issue for the purchaser. Today you'll be able to start your new garbage disposal and get started installing it.

If you've decided you want to put money into a garbage disposal, you need to think about the what is the principal sort of waste you ought to deal with. Should you decide that a garbage disposal is acceptable for you, another thing to do would be to select the very best version for your own household. Your garbage disposal has to be durable for quite some time. Garbage disposals can pose an issue for homeowners using septic systems. Let us start by viewing the best selling garbage disposal in the line at the moment.

How To Explain Plumbers Near Me To Your Mom

The very first step is to measure carefully to make certain that the toilet you buy will fit in the very same place as the old one. Let us begin by watching the toilet itself. Most bathrooms haven't any toilet paper. Plunge a few events and you're likely to have an unclogged toilet.

The first thing you ought to do is determine if your toilet is really leaking. A working toilet is a regular household issue that may be solved without the assistance of a professional plumber. Before you try to resolve a running toilet, you should know about the mechanism the flush operates on and the specific reason it broke down. If you find that your toilet is clogged, then you ought not flush more than once. Toilet is an incredible machine to flush out all of the waste at a really clean method. Cleaning bathrooms with the aforementioned chemicals isn't an very simple task particularly for your cleaner.

Toilets generally account for the large water used inside in an typical home. Since two-piece toilets are somewhat more prevalent, they're also more competitively priced. When you've picked a replacement toilet, be sure you also buy any components which aren't included, like a wax gasket and cupboard bolts.

Pipes isn't straightforward and it isn't a type of work that may be achieved by just anybody. It's very important no doubt and keeping up with this will save you a lot of money in the long run. Heating and plumbing call for a particular quantity of skill so in the event you opt to have a job yourself you ought to know about how much specialized wisdom and expert tools may be involved as a way to finish an installation. A wonderful assortment of premium excellent plumbing and heating tools will always provide you with the advantage, whether an amateur or expert plumber.

Plumbers are available anywhere, but very good ones are difficult to locate. Only a expert plumber would know what type of plumbing fittings or apparatus would do the work nicely for your pipeline system. So, it's very important to call a professional plumber since they understand how to identify and correct the main cause of the several plumbing difficulties.

The sort of system you're allowed will be decided by the neighborhood water supply undertaking. It is crucial to maintain your plumbing systems since it is possible to protect against all that. Because of this, it's critical to maintain a well functioning plumbing system.

When you're in need of a water heater fix, telephone a good plumbing company, who've got technicians who will care for all your water heater conditions! Water heater repair may wind up being a risky proposal, particularly for novices. It's required, consequently get in touch with a plumber. If this is the case, you may require water heater repair or replacement.

Contrary to air, water can't be compacted. It is coming from the tap rusty or stained Corrosion might have formed within the tank. Several methods required for heat retention Water is principally utilized for the use of heat retention and there are lots of methods that may be utilized in getting water employed for the procedure for generating warmth.

There are several kinds of water heaters which might change with regard to model, brand and kind. You also ought to make sure the water heater that you buy has an protracted warranty so you're not liable for repair expenses. If this is true, you may take a brand new water heater.

Different types of water heaters There are many types of water heaters on the market. If you own a water heater that's 10 years old and it has begun to demonstrate the indications like leaking, rusty water, or even if it isn't producing the hot water in any way, then it could be the best time to elect for your heating system replacement in your city. If you are purchasing a tankless water heater, then figure out whether its leak rates can deal with your peak hot-water demand.

There are several distinct kinds of pipes plus there are a large number of things which could fail along with your pipes. It's a competitive business and finding a reliable one is not an easy task. It is generally a delicate job, and it ought to be carried out with proper care and professionalism. It's not straightforward and it isn't a sort of work which can be done by just anybody. It is a tough job which requires advanced skills and experience. With the wide range of professions to select from in the area, many young folks easily dismiss pipes as a possible career path.

Plumbing is still another need. It's a vital element of any residential or commercial construction. Your house's plumbing might be running smoothly, but it doesn't indicate it's not an excellent time to make a relationship with a dependable expert plumber.

Enough Already! 15 Things About Tankless Water Heater We're Tired Of Hearing

Pipes is about practical. It is not something that could be done by just anyone. The Bad Although plumbing isn't a profession you have got to study for 9 decades roughly like doctors, it's still a fact that you need some specialist training in order to have a permit to practice the trade. It is one career area that is both diverse in the types of job tasks and the occupation areas where plumbers can be found working. There are various types of pipes which address various requirements and industrial pipes protects the pipes requirements of commercial buildings. Some low-cost and simple methods for plumbing, renovations and improvements could be carried out to be able to improve the look of the room and eventually the overall appearance of your house.

Your plumber must be highly skilled as well in the event you are thinking about receiving the issue to be repaired properly. In such cases, emergency plumbers need to be your very first choice to call for help in removing the emergency problems. Selecting a emergency plumber with the ideal tools will, therefore, prove to be cheaper that doing it since you'll be required to buy the vital tools to be able to repair the problem.

Not only are our technicians able to diagnose the issue and begin repairs, we additionally hire for demeanor. A crisis electrician, on the reverse side, will bring along a camera that could possibly be put into the drain to find the precise location and sort of clog. Our licensed emergency plumbers are available 24 hours per day, 7 days per week so you don't need to wait until regular small business hours to address your plumbing emergency.

The plumber you employ will probably perform his job and fix your system. Regardless of the pressure of managing a plumbing crisis, our emergency plumbers provide competent, quality work speedily! Emergency plumber in Dallas will have the ability to assist you with lots of of it if you desperately approach them but you also ought to make sure till the moment they approach you, you're all set to look after the situation little well.

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Warriors Mark Pennsylvania Cheap car insurance quotes zip 16877

"Warriors Mark Pennsylvania Cheap car insurance quotes zip 16877

Warriors Mark Pennsylvania Cheap car insurance quotes zip 16877

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

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Warriors Mark Pennsylvania Cheap car insurance quotes zip 16877

Warriors Mark Pennsylvania Cheap car insurance quotes zip 16877

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Teens do any of you have any kind of insurance?

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Warriors Mark Pennsylvania Cheap car insurance quotes zip 16877

Warriors Mark Pennsylvania Cheap car insurance quotes zip 16877

Car insurance went DOWN after accident?

I was involved in a one vehicle accident and had a failure to control and hit a guardrail. I called today to get my insurance back and its lower ?? I thought it would go up? Also I ...show more

What company should my son contact for affordable health insurance in the state of Virginia?

What company should my son contact for affordable health insurance in the state of Virginia?

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How do I get the car insurance $$ and still keep the car?

How do I get insurance money from a total , and still keep the car? My daughter's front bumper was torn off. The wheel looks a little bent, so it could me major, could be as simple as a tie rod. The adjuster TOTALED the thing! Book value was $2000 LESS than what was stated on car by dealer. I asked insurance how this could be. They said they use NADA, not Kelly. And, they do an outside market evaluation by Standard and Poors. Plus, they go by private sale value, not retail. So all in all, she's poised to get screwed $2000. As usual, the little guy loses again. What a great country! However, 3 years ago, I totaled my vehicle and the insurance company gave me the $$ AND let me keep the car. I just don't remember how it happened! Any idea?""

How much would it cost to be put on my dad's insurance?

I have a provisional license and i'd like to know how much it would cost my dad to put me on his insurance???? and please don't give me any links to confused.com i tried it doesn't help me and don't tell me to ring the insurance company because i'm going to today.... I was hoping you could just give me an estimate like... how much a month? or whatever.... thanks in advance

Health Insurance - What's your stance?

Should everyone be required to have health insurance? If you want to keep it hypothetical, assume health care is inexpensive and available. If NO, who will pay for the care of the ...show more""

Car insurance cost and car's cost?

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I am looking for insurance to covoer myself for Medical assistant

How come we can be forced to pay for car insurance or health instead?

How come we can be forced to pay for car insurance or health instead of forcing people to have a savings account that can only be used when you have a car accident, health problems or retire?""

Which car insurance companies have you found to be cheapest for a teen?

Im 17 years-old and plan to be added to my parent's car insurance. I have good grades, took drivers ed, will be driving an older car and live in Idaho. Which company will work best for my situation? All help is appreciated.""

How Much Do You Pay For Car Insurance?

And Whats On Your Driving Record?

How long will my accident affect my insurance premiums?

I just filed a claim with my insurance company, in California. If they find me to be at fault, then how long will my insurance cost more? Is there a certain time that it won't be on my record, or count anymore?""

Would my father's insurance go up if...?

If I were to buy a car under my name and insure it under my name, would my dad's insurance rates rise because I live at the same address?""

Insurance for old work ute?

Hey guys, I have just bought a old 95' toyota hilux ute nice and cheap and im not too worried about insuring the actual ute as its only costed me 2000 and market value is 4000. Just looking for some advice on types of insurance. I obviously would like 3rd party and im not sure if i should bother with covering my tools. Usually my boss brings all the tools, obviously i bring a small amount but never a trailer full. What is the best insurance company for this and what would be a good price for me to look at. Thanks :)""

Insurance for an SRT-10?

Hi is there anyone out there (in the UK) who knows of an insurance company that does a good deal on SRT-10 fully comp. I'm struggling to get it under 1200.00 per year, and the one I am going to buy is upgraded to 600BHP as well, so I know I'll pay more for this on top""

Good affordable auto insurance for highrisk driver PLEASE HELP!!! THANK YOU!?

Good affordable auto insurance for highrisk driver PLEASE HELP!!! THANK YOU!?

Is there such a thing as mental heath insurance or at least a carrier that is better than others...?

i'm self employed and considering blue cross/shield and kaiser but can't really find a cost difference between them. i'm in california, physically very healthy but feeling the need for therapy, but can hardly afford it. i have no health insurance at all so a plan that covered everything, but was especially generous on mental health would be great.""

How do you get cheap classic mini insurance when your 17 and its your first car?

My friend (also 17) got his insurance for 998, i asked and he said about classic mini insurance and joining a mini club, can someone explain and help me?""

Car insurance problem?

as i pulled into the disabled parking space at my local asda,i turn into space and slow down to line the car into space as you do then as i stopped the car wiggled at the back with a bang so i looked in my drivers door mirror to see a pick up truck up against my car.so it turned out he had reversed back to pick up his wife and not seen me pull into one of the double spaces that he was about to park across and i must add that there was no pick up in view as i pulled into space so he must have reversed from behind the opposite row of cars as i would have stopped if i had seen a pick up going backwards towards the spaces,anyway words where exchanged along with insurance details and we did nothing as we where getting a new car a week later.now the guy who hit me has put in a claim which i have refused and left it With the insurance company.we have a car on insurance and they have received a letter about the claim which did not go through and no money was paid out but they have put another 130 on my insurance how can they do that.I get hit and no claim was paid out but it still cost me an extra 130 and they were going to cancel my insurance can anyone tell me if this is legal what they have done thanks""

What are the risks of getting cheaper auto insurance using friends/work address?

Getting a car insured in Hoboken is very expensive ($750 for 6 months). Some of my friends use their friends address (Say Edison address) and get much cheaper quotes. What are the risks in doing this? My friend also had a claim with no problems (but it was a minor claim). Please advise?

Insurance on car?

My dad said insurance on the car I want will be $700 a month.(I'm 18 and its for full coverage) Is that the price I pay if the car is insured under my name? I know if my dad insured the car under his name the price for insurance would drastically drop. My question is would I still be able to drive the car if its insured under my dads name and still be part of the whole insurance thing. You guys, the reason I sold my old car is becouse I wanted this newer car I've wited 3 months so far and I'm planning to pay for the car myself. But insurance is going to kill me. If you can also tell me about some good insurance companies out there that are cheap(we have something century rite now). When I heared how much it would cost I almost cried.""

""What is your opinion of this article: how some people who can't afford insurance, can afford things like?""

Excerpts: The following items were commonly seen on patients or carried by their dependent children, who were also covered by subsidized programs: * Cell phones and ...show more""

Where do i find affordable health insurance for my dog?

I need health care insurance for my American Bull Dog

""If I finance a new car, how much insurance do I buy?""

I know it will have full coverage, but how much? I'm trying to get an accurate quote through geico to see if I can afford it before buying the car.""

Warriors Mark Pennsylvania Cheap car insurance quotes zip 16877

Warriors Mark Pennsylvania Cheap car insurance quotes zip 16877

What's the average car insurance cost in Ireland?

Hi everyone, I'm planning to move from Canada to Ireland next year and I was wondering what would be an average cost for a basic car insurance? I have had a valid Canadian G2 license for about 3 years, as well as a Romanian (EU) full license for 8 years. I'm 26. The car would be a small car, and the region either Dublin or Cork. I'm not looking for an exact quote, I'd just like to know what you are paying for your car and your experience, so to get an idea of what to expect. Thanks.""

How much would insurance be?

In the next couple months I'll be in the market for a 2006-2008 7series BMW. I'm 17 and this would be my second car. Approximately how much would I be paying a month for the insurance? Thanks in advance.

What is the approximate cost of insurance for a lamborghini gallardo lp550-2 spyder?

What is the approximate cost of insurance for a lamborghini gallardo lp550-2 spyder?

Good student discount for car insurance?

so...i just completed my first year of college, and quite frankly i finished up poorly. my GPA is like a little over 2.4-2.5 and my dad is asking if i'll be able to send my transcript to the insurance (my dad is unaware of my grades). no chance of getting some discount or any at all??...i've kept my grades from my dad for quite some time, and now this is totally gonna blow my cover. i'm screwed aren't i? i'm a full time student and the insurance company is american family. so i guess my question is, do they discount % based on intervals of GPA, or is there just a minimum requirement and it's either you get a discount or not?""

What are some car insurance companys?

would love to know ones that are cheap???

Business Insurance?

I have a customer who wants to require that we have the following insurance: (View link to see exactly what they want) http://fatteds.net/insurance.jpg How do I go about getting this? Who do I call? How much will it cost? estimate is ok... Darn government contract!!!! Thanks in advanced

""Insurance estimate on Integra, Mustang?""

Hey. So I am getting my first car in a couple months, and my dad said I could choose which car, but keep it in a low price range. I've always liked Integras, since I was little, and I always wanted it to be my first car, so thats in consideration. And my dad said get a mustang. I would like to know how much insurance is on each? The cars would be- Acura Integra 1996-2001 (LS, RS, SE, GS) Under my dads name (age 50) I would be secondary driver Silver or black or white Roughly 150k miles Maybe 25 miles a day Would buy used around 2000$ - 4000$ Im aware its a luxury car, thus insurance being a tad more expensive How much would you think insurance would be? We have Progressive but I just want a estimate - Maybe like the average of how much people with integras pay for insurance. Mustang 2004 Under my dads name (age 50) I would be secondary driver Black or silver Maybe 100k miles 25 miles/ day Used around 4000$ - 5000$ Not luxury, but its a sports car, Im guessing insurance is more expensive for it Anything will help :)""

How much would the insurance cost for a high dollar sports car?

Like a $400,000 Lamborghini Murcielago or a $500,000 Chrysler ME 4-12? A little vague, but what would a ballpark amount be?""

Liability Insurance?

I only have liability insurance and I was told by a friend they don't cover accidents. even if its not your fault. now that sounds like b.s I was involved in a wreck today and it was NOT my fault. what do i get. and also what other benefits do you get with insurances. not benefits but like. what willt hey cover or not cover

Ball park how much extra to add my boyfriend to my car insurance policy.?

I'm paying alot because i'm a new driver to the UK, just wanted a ball park of if it will be alot more to add my live in boyfriend as an occasional driver.""

Whats the cheapest bike insurance for a 1st time biker - 21 yrs - 125cc only CBT done?

Any gd experience to pass on? (Honda CG125)

Help!Do you know about Nation Wide Insurance in France?

I have a class project about Nation Wide Insurance....If you know anything or any sites to look at please help.

""I don't get insurance at all, like car insurance health insurance, etc?""

Yes, I know it is kind of a stupid question to ask but I really don't get it at all. I know there are different types of insurance like life insurance, health insurance, car insurance, but.... 1. what other types of insurances are there besides the ones i just listed? 2. does the insurance company pay for everything and do you have to pay them back? 3. how hard is it to find insurance? 4. what is the different between health and car insurance? 5. how do u get insurance? does it matter if ur poor or rich? THANKS! I know this is kind of random :)""

Is it possible for me to obtain my own insurance?

I had insurance under my mother in law, she has had an accident and the car has been writen off. She wants to cancel the insurance. My question is , is it OK for me to purchase a car and get insurance in my own name or do I have to wait until the renewal date.""

Am a 16 year old boy and i want a mustang for my first car... gt or v6?

money is my concern... insurance? gas?

College Health Insurance in New York?

I am a full time college student in New York and have always been a resident of New York. In a week on my 19th birthday my health insurance through, Child Health Plus is going to end. I am unemployed and my parents do not have the options of family health plans. I do not know what to do I need to have coverage to be safe, does annyone know where I can get affordable health insurance as a student and at my age in New York.""

Florida motorcycle insurance?

So I have a small 49 cc scooter that is street legal and I drive through the roads like everyone else. In Florida it's not necessary to have insurance on this small of an engine bike, so I don't. My question is, in the case of an accident that's NOT MY fault such as a car rear ends me at a traffic light or any other incident, can I still claim anything? Will the other persons insurance still fix or replace my bike? Will the other persons insurance cover me in any needed doctor visits?""

Car insurance for 20 year old?

hey im 20 year old just passed my driving licence and the insurance quote i get on a 1.0 corsa breeze is ridiculous. i live in a high crime part of london but the insurance company's want about 1500 pound a MONTH from me. anyone know what it should actually be n what i can do about it? i heard people pay max 300 pound a month at the age of 17.

Is it cheaper to get insurance on the same car or on a second hand car?

hi im taking driving lessons and my test is soon. I want to know if it is cheaper to get a second hand car and get insurance on that or get insurance on my brothers car. Which one is cheaper?

Car insurance for 20 year old female?

I've been told a Ford KA is the cheapest to insure. So I've found a Ford KA Year 2000 1,3 ltr. Sale price is 660. 80,000 miles. I will be doing roughly 4 - 5,000 miles a year. I'm just a simple standard first time driver applicant... No convictions, health issues or NCB. Why are insurance companies quoting me over 5,000 a year online??? I'm 20, female and have just passed my test. 21 in august. What's the cheapest way to get insured?? 1ltr car??""

File auto insurance claim or pay out-of-pocket in NJ?

My 17yo daughter just got her graduated NJ license, skidded on wet corner, causing $1300 in damage to wheel & susp. We have $500 deductible. Can we ask our insurance co. how much our rates will go up if we file a claim, or will that automatically flag her for additional points?""

Do i need condo Insurance?

I have a condo in a six unit building in south florida that is being rented out. The building is insurance by the HOA master policies (windstorm and liability). My question is do I still need to insure my unit? Thanks.

How much to insure audi 80 tdi (1.9 litre) ?

I am soon to be 17 and take my driving test, I have an audi 80 tdi being offered to me for 50 with the only fault being a broken break light. It is a 1.9 litre diesel and is apparently (according to the internet) cheap to fuel. Insurance no doubt on a 2.0 litre would be expensive. On the car insurance websites I get quotes from around 6500> I've heard however that the price on the websites is exaggerated and actually the price is much cheaper. How much do you think it would cost me to insure ? How could I reduce this cost? Is it worth getting a pass plus certificate? If the insurance on this IS a ridicuous price as it says on the insurance websites, what saloon car is cheap to insure? (preferably with a modest engine size:P) Thanks""

""Better Grades, Better Car Insurance?

how does that work that if you have good grades your car insurance goes down? How much does it go down?

How to calculate california disability insurance?

How to calculate california disability insurance?

Warriors Mark Pennsylvania Cheap car insurance quotes zip 16877

Warriors Mark Pennsylvania Cheap car insurance quotes zip 16877

https://www.linkedin.com/pulse/landlord-insurance-quote-calculator-jennifer-aldridge/"

[yourrainycollectorhologram-blog]

cheap cars to insure for 18 year olds 2014

"cheap cars to insure for 18 year olds 2014

cheap cars to insure for 18 year olds 2014

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

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Grad. Student needs health insurance?

I will be quitting my full-time job to attend Grad school full-time in May. Unfortunately I will lose my health insurance covered by my employer. I really cannot go with out health insurance. I need affordable coverage. Any suggestions?

Insurance premium increase of 50%?

I had an accident with my RV that was about $1,200.00 on my side and very minor on the other vehicle. The accident was considered my fault and being 1 point and my first ever in over 32 years of driving. My insurance company now has increased my premium about 50%. I am in California and would like to understand the criteria for this increase. It looks like the company will recover the full amount paid in the next premiums. Where can one go to understand this? Thanks""

Does medical Insurance transfer to a different state?

I have Kaiser Permante for medical insurance. It is very possible that I will move from California to Florida next January. How will my insurance switch? I heard there is no Kaiser there. Is there an alternative company? How can I find this out if I can't find out here?

Cheap subaru impreza insurance?

has anyone got a scooby? any recommended insurance companies? just brought my first one. a 1993 WRX import. im 29 with 11 years no claims. best i can find is with the AA for 664 with 450 excess. are there any places that specialize in imports that could beat that? cheers!!

How much will insurance cost on a 94 eclipse?

I am an 18 year old first time driver. the car has 133000 miles on it and i'm thinking about buying it from a friend. it is white. how much will the insurance be monthly? roughly?

Medical insurance?

my husband has medical insurance & i do not one medicine we both take without the insurance it is only $7.89 WITH insurance he still has to pay his $25 co-pay How Come ??????????????

""My husband has bad knee pain, but doesn't want to go to the dr. due to having no insurance.?""

my husband dislocated his knee 3 months ago and has been in excruciating pain lately. He can't bend, walk on, put weight on his knee without it giving out and making him fall. He wont go to the dr, since we don't have any insurance (in orange co, calif) and he feels that IF he does go then they will put him in a brace or something that will hinder him from working. And since we are living paycheck to paycheck we can't afford to have him miss a lot of work. Meanwhile, he is in a very, very grumpy mood (which I can understand) and he keeps getting himself drunk so the pain will go away or is more manageable yet we all know that it wont help. Is there any advice as to what to do to make him go to the Dr? or does anyone know of a place that we can go that will actually help him out with the xray/mri/ct that he will most likely need??""

Question about car insurance for teenagers?

I'm in California, my friend called an insurance company and they said underage drivers can drive on their parent's insurance coverage if they have insurance, which means he doesnt have to pay since he's 17 and his dad has insurance on his car, to make a insurance contract he has to be 18. Is this true he can drive on his dad's insurance?""

Whats the minimum car insurance required in california?

Whats the minimum car insurance required in california?

Homeowners insurance question?

My father has homeowners insurance that covers the exterior buildings around his house, like a garden shed/ covered carport. this past weekend, a large snowfall provided too much weight for one building, and it collapsed. inside was a lawn mower and an antique automobile that dad has had since he was my age, and it was damaged by a metal beam. (think hot dog bun). the insurance company is now saying that they will pay for the repair of the building and for a new lawnmower, but not the car itself. it was not fully restored, but it was in fair working condition (meaning the engine works and the auto does move). does exterior building coverage also include everything inside, or does it have a limit? is the insurance company trying to weasel out of paying my father? if so, who should I call? (I'm in NC). please help! with good sources please!""

Are there any North Carolina Health Insurance Agents here?

I need to find an agent or a website that sells other carriers besides bcbsnc...those guys are outrageous!

Do you know a temporary car insurance company for a 19 yrs old man?

Actually i have found one which says they do for 19-75 but when i tried to get a quote they said they cant do. I would like to insure an old Ford Transit, smiley face, 2.5 di non turbo for exporting.""

Will my insurance cover it?

My dad is taking me off the insurance and my coverage will end at the end of February. Anything I get done through February, as long as it is before the 1st of March should be covered, correct? I know insurance companies don't reimburse immediately. It usually takes a couple of weeks. But anything should be covered within that month right? Thanks for the help.""

16 year old insurance on a ford torino?

i need to no the price and insurance rate on a 70's model ford torino im 16 live in oklahoma give me your estimate not a website...

""Im a new driver and my insurance in 1600 or above, i have tried all the cheapest cars!?""

i have just passed my driving test and i am looking for a cheap run around car to start me off, ive tried all the cheap cars (fiestas, peugeots and much more) but nothing seems to take my insurance lower, does anyone have any ideas...???? thanks.""

""Liability only car insurance, does it matter what car you get?

I'm pretty sure you pay more if you get a mustang than a honda 4 door civic. Just liability only - not full comp and collission. No notes that if you have a loan in the car you have to carry full coverage. I know that already. Car would be cash and use same year for both cars.

Does anyone know this car insurance joke?

I heard a car insurance joke a while back it started with a lot of cussing and then at the end of it it said something like something something something I just saved money by switching my car insurance to GEICO or something like that can someone please tell me the joke if you know it? I wanna send it to a friend :)

What is auto insurance ?

can anybody explain what is auto insurance ?

Pickup Truck insurance at age 18?

I am 18 and I want to get a Nissan Navara. I have got a quote for the non-commercial versions eg le, se and xe for 1990 which is fine, but I cant get an online quote for the D22 version. Its a 2005 D22 Navara di. It says I have to ring them as they cant give me an online quote. Does anyone know if this model can be insured on normal car insurance as I am under 21 and it will be very difficult and expensive to get commercial or van insurance.""

How does insurance on a leased car work?

im getting my license soon and was wondering what the best and cheapest option in terms of buying, leasing or buying used is for me. im 16 so insurance is going to be high. i only need a car for 2 years, after that ill be in college and dont see a point in having a car. so i thought why not just lease a car, but i heard when you lease a car the insurance is high for it. my question is how does a lease work? is the insurance for it high already without me being 16 a factor? do you sign up with a dealership insurance or use your own plan? Thanks for the help""

What is the best Insurance company for car quotes ??? (Cheapest)?

Im looking for a cheap reliable insurance company i can get a qoute for a 2003 Vauxhall Corsa 1.2

""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

Answers to life insurance test?

answers to life insurance & applications test

Do Americans want Gov't run healthcare like medicaid and medicare or do they want affordable health insurance?

Do Americans want Gov't run healthcare like medicaid and medicare or do they want affordable health insurance?

I have a $500 deductible with my car insurance (State Farm) and was wondering if I could use that deductible t?

To actually fix my car up to it's showroom look (Currently driving with a broken bumper, dented fender, and broken headlight/signal marker not caused by me mind you)??""

cheap cars to insure for 18 year olds 2014

cheap cars to insure for 18 year olds 2014

I need to have all my teeth removed and have dentures in California?

The dentist gave me an approximate estimate of about 11 thousand dollars, I have no insurance, and bad credit, is this estimate fair?""

How much would my car insurance be?

I'm 21 years old male and I live in NJ. I'm thinking about buying a used car and financing it. I was looking at GEICO website and the quote came out to about $1600/year for 2000 honda S2000. I was wondering if that amount is right. I selected collision and comprehensive coverage along with all the other coverage options. I thought full coverage would be much more expensive like $3000 but that is so low. So I was wondering if that amount is right. (I live in NJ with my uncle and my parents live in massachusetts)

Is the insurance company notified when you get a speeding ticket?

I got a speeding ticket for going 55 in a 45 and was just going to pay it so my parents wouldn't find out because I'm on there insurance. I no we are with USAA and i don't want them to find out about the ticket. Will they some how find out?

""I am 30, and took out a life insurance policy on myself...?""

Since its over 100,000...They have to take blood and urine...why?""

Why doesn't insurance coverage increase along with premiums?

Suppose you have 100 / 300 / 100 car insurance coverage. Suppose you were paying $50 per month in 1990. Suppose you are now paying $75 per month in 2010. If the premiums go up because of inflation then shouldn't the coverage? It costs more to fix a car in 2010 than it did in 1990. Is it correct to say the insurance company's average risk is the same, but their maximum risk has gone down? Having to pay out $100,000 maximum today is less than $100,000 maximum in 1990. What do you think?""

What effect does a minor ticket out of state have on insurance rates.?

A few months ago I got a ticket in Maryland, where I go to school, for going the wrong way down a one way street. The ticket was only a small fine and I don't think any point were given. Recently I just got another ticket for making a wrong left turn in New Jersey, where my permanent address is. Normally, my insurance company, geico , would let one ticket slide but I'm not sure if they would even know about the Maryland ticket. I would appreciate any information.""

""If you need health insurace, are you going to be able to afford Affordable Care?""

I had high hopes for the Affordable Care Act (nicknamed Obamacare). it was supposed to give all Americans access to healthcare and be affordable enough so we could all still eat and have a roof over our heads. Premium prices depend on where you live, and I live in one of the higher-priced areas, but OMG! Their premiums are more expensive than I've ever seen, and then you have to pay a chunk to see the doctor or get a prescription or go to the hospital... I don't see any savings or advantages anywhere. So what about you, if you aren't covered by health insurance and were hoping to get it under the Affordable Care Act? Can you afford it?Will you be able to actually afford to go to the doctor after paying the premiums?""

Can you get your drivers license without any insurance?

I live in West Virginia 17 and I have had my learners for almost a year and have got all my hours so would it be OK if i got my license w/o insurance

Will my insurance company find out? If so how?

I got into a fender bender the other day, it was my fault, I can either pay for the damages to the other car out of my pocket, or I can let him tell his insurance company about it and he has a $500 deductable, I do not have coalition insurance, only liability, so if he reports it to his insurance will I still have to pay his $500 deductable out of my pocket or will my liability insurance company have to pay the $500? Or will his insurance company pay the $500? If he reports it to HIS insurance company will MY insurance company find out about the accident?""

With a driving permit in California ? Insurance ?

Can I drive my dad's car but with somebody else teaching me to drive. Do I need to be in the insurance policy ? How does that work?

How can I find an affordable psychiatrist without insurance?

I would like to see a psychiatrist to treat my depression but I don't have health insurance. (I applied for private health insurance but was denied based on my medical history.) ...show more

Scooters-insurance etc?

how much for m.o.t and average price for insurance a month???i'm in uk

Where do you get cheap car insurance in Northern Ireland?

Hi Folks, I'm moving from Dumfries in Scotland shortly to Northern Ireland, my car insurance is going to double in price, just wondering where the best place to get insurance quotes, I tryed NI Compare and it was actually more expensive than Go Compare, many thanks""

Does any body know what is going on with Obama and the whole health insurance thing?

Okay so I live in California. I am young and can't afford health insurance rite now. Does any one know if Obama is going to follow through with this whole health insurance thing. If so when is it supposed to kick in? And how will it work exactly? Will every body have free health insurance? Some one please explain this becuase I am realy confused.

Does your insurance go up?

If you park in a bus stop zone, in NYC, and get a ticket. Does your car insurance go up? What happens? I paid it off right away in like 2 hours, will there be something else?""

Home Insurance replacement cost?

Anyone have any idea how insurance companies figure out what it would cost to rebuild an entire house if it burned down or blew away...I live on long island....I would assume it is the square footage multiplied by a cost per foot....any ideas what the actual cost per foot is today????

Cheap car on Insurance ?

whats the cheapest car on Insurance in ontario canada?, i need 4 doors small car""

""I'm not covered by car insurance by my parents insurance, I still live at home,..?

They don't allow me to drive the cars because I'm not covered. Can I drive the car when it's in another house that they own?

Does Car Insurance Still Go Down On Parent's Insurance?

Basically i am going on my parent's insurance but as a named driver only. I know the risks of it and was wondering what will happen when i turn 25 Will my insurance still go down or will i have to pay a full insurance due to only being a named driver ?

How much would car insurance be for a 17 year old on a volkswagen golf 1.9 GTI?

like the min price?

Whats your average price car insurance group 12 and Road Tax?

im planning on getting a car lexus is200 in a few months time and wanted to know how much you guys/girls pay monthly or yearly only on insurance group 12 and on road tax. Im 19, passed a month ago. planning on putting the car in my dads name and me as the driver. Dads a good driver had no past accidents (not sure if you need to know that). Thnxs""

How to get auto insurance in Canada without address?

I plan on buying a van and living in it instead of an apartment.How do I get insurance preferably cheap insurance? I'm curious,if one can't get insurance will the police bother one if one tells them they're homeless and have nowhere else to live?""

Your car insurance price?

Please put your age, car, and how much it costs every month, thankssss""

What is home owners insurance like in Florida?

I am thinking of purchasing a home in the Kissimmee area that is around $140,000. Some people have told me that homeowners insurance and additionally flood and hurricane additions to my insurance is very very expensive. Can someone give me an example of their real life insurance price that includes flood or hurricane? Please reply only if you have first hand experience in Florida. Preferably in the Kissimmee or Orlando area.""

If I'm on someone else car insurance am I liable?

My old boy friend put me on his car insurance so I could drive his car. We are no longer together. If he gets in an accident could I get sued? He has nothing, but I do.""

cheap cars to insure for 18 year olds 2014

cheap cars to insure for 18 year olds 2014

How much is home insurance for a log cabin in North Georgia?

I'm interested in purchashing a log cabin in the North Georgia mountains. How much would home insurance cost if the home is approximately $160,000?""

What auto insurance company has the best rates for teenagers?

i live in ontario ca if that helps and i drive a 95 caprice

If i get a v6 mustang will my insurance be lower?

Im 16 and looking for a mustang, but if i get a v6 mustang will it be a lot cheaper than a v8?""

I live in adams wisconsin just got my licence and just got a car wondering what insurance i should get?

I would like to know the cheapest insurance........otherwise i will just go on my dad's insurance

General car insurance question(s)?

Which will cost more in car insurance, generally: a passenger sedan (maybe a 1999 Honda Civic) or a pickup truck (1995 Chevrolet Silverado 1500, perhaps)? Also, if I have two trucks, both exactly the same, only, one has 2-wheel drive and one has 4-wheel drive, which will cost more in insurance? If one will infact cost more, will the difference be significant enough to matter? I live in Colorado. 4-wheel drive is desirable with the snow and ice, but if it will cost significantly more in insurance, I can't justify it.""

Car Insurance Question?

Can a 16 year old girl drive her parent's car alone without her name being on the insurance?

How much is your car insurance?

I don't want to sound personal but I am wondering what everyone pays in car insurance. I happen to live in Michigan which has the highest car insurances rates in the country. I am planning to move soon and was wondering how much people are paying across the country. Please don't feel a need to give me the exact number, a range is fine. Also, please tell me the car type because I know that matters. Again with car type you don't have to tell the car. Example if you drive a 911 Porsche you could say, 2 door, luxury sports car. Any other information would be greatly appreciated, thanks!""

How can i get insurance from the gov.?

Ok my dad is 37 and has no insurance and we can't afford any either so how can he get insurance from the gov. we kinda need it now cause he thinks he has cancer so please help

Cheap car insurance for Land Rover Discovery?

I'm about to buy a 03 Disco and was wondering what everyone is paying for car insurance. I'm 25 with no accidents on my record, but the quotes I keep getting seem to be outrageous. I'm just curious if that is common or if there is a company with decent full coverage rates for discoveries. Thanks for the help""

Salvage car insurance?

If I have nissan 350z roadstar 2006 salvage car with only 13 000 miles and I have only liability insurance. Now If someone else hits my car(AND ITS HIS MISTAKE) and I have damage, what would the other insurance party will give me? Would they fix my car if it has big damage?If they total it, how much would they pay? i UNDERSTAND THAT SALVAGE CARS ARE FAR LESS WORTH ,HENCE I AM ONLY BUYING LIABILITY ON IT. BUT WHAT IF MY CAR IS DAMAGED BY SOMEONE ELSE MISTAKE?""

Insurance for mercedes glk350?

I was wondering how much it would cost to insure a 2011 mercedes glk 350. I am looking to buy a new car

""What's wrong with my car, Damage and Insurance Question?""

Two days ago, I was involved in a car accident. Allow me to explain what happened. I was stopping at a stop sign, and as I put my foot on the brake, there was some black ice, and my car slid through the stop sign, straight into the intersection, where a woman hit me in the rear end of my car, which spun my car around, making my tap the back of her car as well. My car was barely left with a dent, and driving away from the scene, my car was just fine. However, when I went to drive it this morning, I noticed something was up with the back end. Whenever I hit a bump, it feels like the back end backs up, and fishtails away from the front of the car. Can you tell me what's up with my car, and how much it would be to fix whatever it is? Also, assuming you understand what happened in the accident, and knowing that I and the other woman have insurance, can you tell me who would end up paying for the damage done to her car, and whose fault it really was? Will insurance cover her damage, and if so, whose company is going to cover it? Hers or mine?""

How much would you estimate the annual cost of living to be in central New Jersey?

This would be for a simple lifestyle- one bedroom apartment, utilities, food, clothing, phone, internet, cable, basic car, car insurance, gas, car maintenance, computer, pet, gifts, and a one-week basic vacation. You can provide an estimate both with, and without, a basic health insurance plan premium. I am just trying to figure out about how much it would cost to live in this area. Thank you for your advice.""

Car Insurance / Case is not resolved / New Insurance?

Hi I had car accident about year and a half ago. My case went to court and it is still not resolved.I haven't been driving since that time. I bought a car now and I want to insure it. How does it look with the insurance companies ? there is no option to choose when you do insurance quote online.

What is the cost of basic car insurance?

I know it varies but i mean for an average car? Are there any other costs to be considered when first purchasing/driving a car?

Can you have insurance on a car that isn't yours?

My girl friend has a car but lost her job and can't afford to pay insurance. Can i put the insurance in my name for a car that she owns?

Are States legally allowed to require car insurance?

Can the State legally mandate that citizens buy insurance from consumer agencies that have little to no regulation of price and guaranteed service? Can we consider this question with ...show more

Mass insurance?

why is it that in massachustts that if you have a deductable of $500 on your car insurance policy and put in a claim for $900 dollars you are charged a surcharge of $360 for 6 years why do we have insurance and pay a high premium to start with. they should pay the claim for the $400 difference without a surcharge. i have 3 cars insured and it seems that i pay for the insurance but have no benefit from it.

Drivers License and Car Insurance?

My friend had a friend of his drive his car when he was drinking because he didn't want an OMVI. His friend quit paying for car insurance but said he still has his drivers license. Is that possible? Also, my friend said he wasn't worried about an accident because my friend has insurance and he thinks that covers all drivers in his car with a drivers license. I feel that if he got in an accident, his insurance won't pay because he has a non-insured driver driving his car. He said I'm wrong. Who's right and who's wrong here????""

Home owners Insurance can't afford - help?

a year ago I paid off my mortgage and now I have property taxes which I pay in installments and now home owners insurance, there was enough left in escrow the first year for the mortgage company to pay the property taxes rhe first year, but now I realize I cannot afford the home owners insurance / I'm in a low income job , and it's $600 a year - If I were to cancel the home owners insurance until I get finish my degree to become a teacher in three years would I encounter problems with an another insurance company to get home owners insurance once they know I've been without HOI for say 2-3 years? or what would happen - see I hsve property taxes, hoa do every month etc and I'm living paycheck to paycheck I have car ins cause it's the law / can I just cancel the HOI just for three years until I make more money? advise please""

Car insurance questions?

okay im 19 livin in MICHIGAN. My driving record sucks, (2) accidents i got rear ended, (3) speeding tickets a total of 7 points license is restricted till jan, 2012. I want a car but its around 600-900$ a MONTH to insure me, 99 dodge neon to a 2010 mustang gt all the same price a month depends what insurance company. i cant be on my parents insurance because they excluded off their policy. I allso live in a apartment, so is it possible to buy a insurance policy in my moms name with her correct sos number and drivers license number and lie and say she lives with me in my appartment and put me as a secondary driver. but the car ill be fiancing so i need full coverage and the car is in my name . My questions are (A) my mom uses lifelock will she find out that i opened a policy in her name. (B) will the insurance company find out about that my mom doesnt live their or would they find out at all. AND MY MOM LIVES AT A ANOTHER ADDRESS. (C) is it legal to own and fiance a car thatS in my name but insurance is not ill be listed as a seconday driver under my mom . (d) my mom WOULD NOT KNOW IM DOING THIS. I KNOW THATS FRAUD BUT U GOT TO DO WHAT U GOTTA DO how would anyone know what im doing and find out about it""

How much will my car insurance be?

I just got my 7th DUI conviction and I want to buy a Chevrolet Corvette, but dont know how much insurance will cost my parents? I don't want them to have to pay too much but i really want the car. please help""

How much more would it cost if my parents added me to their car insurance?

My parents pay about $100 a month on insurance for their car ( 2008 Nissan Sentra) to OMNI insurance group. I'm just wondering how much extra would they have to pay to add me (16 years old) onto the insurance when I get my license?

About Health Insurance?

I just went for a job interview this morning, and it seemed to go well. When I was asked if I had any questions about the company, I inquired about their health plan. She turned a little red and said they offered Blue Cross Blue Shield (not uncommon in my region), but then went on to say The company covers 60% and the employee, 40%). She went on to give an explanation about how BCBS charges the company based on the average age of all employees (which in this company's case, is about 45 or something). Anyway, my question is this: What do you think about that? 60 to 40 equation? I'm thinking that my 'out of pocket' (for family - my son and I) will be quite high, and my co pays at the doctor/dentist will be as well... Can anyone help please?""

Can you have be under two car insurance companies at once?

My dad is considering in buying another car(ideally for me to use) but to avoid the high cost, he wants to be listed as primary driver to both. It seems that usually when youre under one company, I will most likely be forced to be primary on one of the vehicles. So would it be possible to be under two different car insurance companies so that my dad can be primary for both or would this be considered a type of fraud or something illegal?""

cheap cars to insure for 18 year olds 2014

cheap cars to insure for 18 year olds 2014

Cheapest car insurance for first time driver? I'm a girl?

I'm looking for insurance that is as cheap as possible. I'm a 17 year old girl who is currently having driving lessons.

Had a car crash; how do you give insurance details?

OK, I let my attention slip and slightly rear-ended a car in front of me (oldish Mercedes), guy was surprisingly pretty cool about it. Damage is: (my car) my number plate fell off and very slight bumper bar damage; (his car) back bumper damage, back boot doesn't close properly. My car is insured completely, but how do I give him my insurance details? Do I just say the company that I'm with or something? Or I call my insurance up and get a number? Also will I have any financial repercussions from this, or does the insurance pay the lot for me and the victim? Will my rating be damaged and have to pay more for insurance? I have no idea about this type of thing, I don't even pay my own insurance, my dad does. Would any adult, or someone who has been through this (I'm assuming it's a fairly common) shed some light?""

Which will cost more to insure? 00-04 mustang base or 00-04 mustang gt?

I'm 17 and live in New York. Been driving with a clean record for one year and I currently pay $100/month on my mom's '10 camry. I want to get my own car and I have narrowed everything down to a mustang, but I can't decide between a base model or a gt. I have discounts on my current policy such as good student and drivers ed. I will also take a defensive driving course for an added discount and the new car will also bring about a multi-car policy discount which will be helpful. My mom will be contributing the same $100 towards the car as she is now and the rest I have to pay for by myself. I have heard that the base and gt will cost about the same to insure, but that doesn't seem right considering that the gt has 100+hp more than the base, but people have supported that by saying the base models are involved in more crashes among young drivers. So can anybody set the record straight for me? Please don't give me responses saying that only my insurance agent can tell me that or too high for you to afford. Also would it be a wise decision to drop collision coverage for a huge insurance discount? I don't plan on racing this car.""

Does anyone know any affordable cheap family plan health insurance company ?

Does anyone know any affordable cheap family plan health insurance company ?

Vehicle hit while parked will insurance rate go up????

I get a call from my girlfriend that on the way to the train she saw my car was smashed -Bumper , fender , Headlight need to be replaced The car was parked at the time. Gessing this would be considered a hit and run?Wll insurance rates go up if i put in a claim?????""

How much does car insurance cost for 18 year olds?

would it be cheaper if I combined it with my dad's insurance plan? abput how much would it cost then?

Why is Geico Home Owner's Insurance So Much More Expensive Than other Companies?

I have had my home owner's insurance through Liberty Mutual and I pay $865.00 per year for about 110,000 in dwelling coverage plus other coverages as well. However, I just decided as I wasn't doing anything today to check on the competition and I called up Geico. Get this.. Here it is... Geico, for the EXACT SAME COVERAGE I am paying Liberty Mutual $865.00 per year gave me a quote for $4,200.00 per year. WITH ALL COVERAGES BEING EQUAL. I was shocked... The lady told me because I had one claim for roof damage which cost $4,000.00 that justified the increase in coverage. Plus Geico had a higher deductible of $1,500.00. First I don't know anyone paying $4,000.00 for a one year home owner's policy for $110,000.00 in coverage. But does anyone know why Geico is so ridiculously expensive?""

""I am moving from NJ to FL, what steps do i take to get florida plates, insurance, and registration?

I have a 2010 Hyundai Elantra. Which do i do first? What are the fees for each?

If my insurance pays off what i owe on my car would it be on my name?

or would if be on my car agency name? i was hit by a 73 male no insurance and well all i have now is for my insurance to cover it and to fix my car is about $7,500 and its a total loss so my mom was told and estimate of what the car might be worth is between 5,000 and 6,000 i have and 2004 Hyundai Elentra. I still owe the agency a year of payment so is the check going to be under my name or the agency. im hoping under my name this way im able to buy a car- cash and keep paying my agency what i owe. bc it sucks to still pay off money even if the 6,000 for the agency and i still have to pay monthly if its not enough to cover the whole amount i owe. HELP""

Insurance on a 2005 premium mustang v6?

hello, my daughter is 17 years old and i am thinking about getting her a 2005 premium mustang v6. she is on the honor roll, hasn't had any problems or accidents as far as driving goes, and really doesn't drive much. we live in a rural area. how much would insurance cost? our insurance company offers some plan where if you're getting good grades, you get a discount. how much would it all be? i have her driving a 2012 volkswagen jetta now and it's very pricey.""

Can you add you unborn child to your insurance?

well, I would like to add my baby to my boyfriend's insurance (the daddy) can he do it now or we need to wait until the baby is born?""

Can I put my partner on my health insurance?

Hi there, My girlfriend and I are going to be moving to New Jersey in May of next year. We are going to get a civil union. At this point will I be able to include her on my health insurance through work? I work in Philadelphia. Wasn't sure of this since PA doesn't recognize civil unions, but didn't know if there is a loop hole since we will be living in New Jersey?? Any help would be great. Thanks!""

What type of insurance is better: private healthcare insurance or union insurance?

I used to have Kaiser Permanente but now I'm on a union healthcare plan because my mom works at a grocery store. I used to always be able to see a therapist a few times a month no problem when I had Kaiser, but with the union insurance I tried to go and after a few months it sucked up all the money in our insurance and we couldn't go to see any more doctors until the next year. Should I switch back to Kaiser? I'm mostly concerned with being able to see a therapist a few times a month, maybe a dermatologist a few times a year(currently I'm being treated for my acne), and being able to get contacts and a yearly eye exam(which I can do with my current insurance) and also being able to see a good dentist biannually(I can also do this with my current insurance) So pretty much all I'm missing is the mental health care I want! Would Kaiser be able to provide me all of this? Thanks in advance for any helpful input""

What is an affordable life insurance for a cigarette smoker?

What is an affordable life insurance for a cigarette smoker?

How much would car insurance cost for a Corvette?

If you are 16 years old and a Male

Why do car insurance companies do credit checks?

I have just renewed my car insurance and made a massive saving from 162 per month to 79 per month. But the first few wouldnt let me pay monthly because of my credit history. Why ...show more

Auto State Farm insurance almost up?

I just looked at my auto insurance card that it expires next month.....i still want to keep it so do i have to call them to renew it or something, or do they call you ?""

Car insurance..17yrs old!!!?

I am 17yrs old, looking for cheap car insurance. Haven't got a car yet but have been looking at cars such as Ford Fiesta, Peugot 105, Fiat Punto and have been getting around 3000. I cannot afford that and was wondering if anyone knows any ceap cars for cheap insurance and who are the best companies to get cheap insurance? Thanks""

Does anybody have any info about insurance licsences in arizona?

classes, test, etc. i passed my real estate exam a little over a year ago. man talk about a tough business! well i think its almost time to move on to something else....""

Question about life insurance?

I have life insurance and went to update my insurance today. In 2003 I became disabled and did not know about the disability clause. Where I don't have to pay the premiums anymore. Can I change my term life to whole life? Will I get back pay from 2003? I want to know this before my agent calls me next week with the answers. Please don't try and sell me insurance for as I won't qualify anyways just the answers please.

Do insurance companies look into your driving record?

When getting an auto insurance quote they ask if you have any major violations. Do they only know if u tell them, or will they eventually find out of u lie?""

What is an affordable health insurance plan that will include mental health coverage and prescriptions?

What is an affordable health insurance plan that will include mental health coverage and prescriptions?

Free health insurance?

im 19 years old and im unemployed and im about to start college is there a way for me to get free heath insurance? i live in orange county california

I dont want to pay for car insurance... is there any way around it? LOL?

I know it sounds crazy and I need insurance but is there anyway to avoid paying it... at least for just a month? I have the cheapest plan possible but its still killing me financially every month! Do you think allstate has a low income program? Do ANY of the insurance companies....?

What is the cheapest insurance for an 18 year old driver to get?

i dont have alot of money and need the cheapest insurance possible, that covers things somewhat. thankyou!!!""

cheap cars to insure for 18 year olds 2014

cheap cars to insure for 18 year olds 2014

https://www.linkedin.com/pulse/aarp-auto-insurance-quotes-online-donald-banks"

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Wellford South Carolina Cheap car insurance quotes zip 29385

"Wellford South Carolina Cheap car insurance quotes zip 29385

Wellford South Carolina Cheap car insurance quotes zip 29385

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

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How to deal car insurance situation?

Someone from behind went behind back of my car , the bumper is out and back lights smashed. I feel very unhappy and shaken by this Do I call their insurance company or mines instead to sort this out? What if they try to deny it what can I do?""

Motorcycle insurance for a 17 year old in california?

hey im 17 years old, and got the money together for my first bike. i went down to the dealership and was about to buy the bike when i found out insurance cost like 4k for full coverage. i want full coverage but dont wanna pay through the nose for it. i have not owned a bike before and i really want one, but im not sure if i can aford to. so my question is does anyone know what i should do to resolve my problem? preferably recomendations of good insurance comannys. thanks so much""

How much is motorcycle insurance?

I'm only 14 right now but when I hit 16 i'm planning on buying a motorcycle. Planning on buying a Kawasaki Ninja 300r 2013 around my birthday and I remembered a rough factor. How much would insurance be for a 16 year old on a sport bike like that? Don't refer me to a Quote site just a rough estimate I live in Illionois

Insurance for ninja vs nighthawk?

I am planning on getting a small 250cc motorcycle either a kawasaki ninja or honfa nighthawk. i am 16 yo and this will be my first bike. will insurance for a ninja be alot more than insurance for a nighthawk? just liability i dont want comprehensive or collision.

Car insurance for 17 year old male?

I was just wondering how much car insurance would be for me. I am a 17 year old male and I am currently saving up for a Mitsubishi 3000gt (sports car) so i know it will be a lot but I would just like an estamet Thank you

Can i drive a newly purchased car with a dealer's tag without insurance?

i just bought a car that isnt registered because the tag is being sent by mail. Can i get insurance without a tag and can i drive the car with a dealership tag?

TRADE INSURANCE..................?

is it safe to buy an insurance for a trade insurance owner as if he then puts your name in his policy and drive your own car for social purposes?

Can 16 year old get public liability insurance?

Im 16 and hoping to get some public liability insurance as I'm planning to be working in beauty (waxing,nails,ect) with my cousin.""

How much should a Hyundai Sonata lease and insurance be?

I want to lase a 2011 Hyundai Sonata Limited 2.0T fully loaded within the next couple of days. I've totaled it on HyundaiUSA.com and it cam out to $30,195. the dealer said he would he down to $26,795. Their current promotion says you can lease a 2011 Sonata for 199/mo. for 36 months with $2,399 due at signing. I only want it for 24 months with $2,000 down. Any body have any idea what the lease rate or the insurance would be? Anybody whose leased a 2011 Sonata, please provide input. Thank you to everyone who answers!""

Which candidate do you agree with on Health insurance?

A=Mandatory universal coverage in first term. Tax credits for working families to make insurance more affordable  ensuring premiums do not exceed a percentage of income. Business would be required to offer insurance to employees or pay into a pool for people without it. Expand Medicare and federal employees' health insurance plan to cover those without adequate workplace insurance. Raise taxes on wealthier families to help pay estimated cost of $110 billion a year. Also, raise taxes on a portion of very generous plans covering people making more than $250,000. B=Mandatory coverage for children, no mandate for all. Aim for universal coverage by requiring employers to share costs of insuring workers and by offering coverage similar to that in plan for federal employees. Says package would cost up to $65 billion a year after unspecified savings from making system more efficient. Raise taxes on wealthier families to pay the cost.""

Auto insurance ????????

Is it cheap being on my dads auto insurance vs me buying my own. I thinking about getting rid of full coverage.

Do you need insurance for permit in ca?

I am going to get my provisional driver license in california. Do i need to get it before i take the drive test? aM i covered under parents policy? How long do i have to have my insurance before im eligible to get my driver license?

Are VW Beetles cheap or expensive to insure?

I've been looking into getting a car (I'm 25, female and it will be my first car) and I'm really loving VW Beetles. I'm leaning more towards getting an old one (say around 1970), maybe the convertible version, if I can find one. Either I would restore it myself or buy it already restored... it depends what I can find. On one hand it would be fun to restore it myself and I'd learn a lot, but on the other hand it could become quite costly. I'm just wondering whether or not they are cheap or expensive to insure? I'm thinking they would be fairly cheap? The reason the beetle appeals to me is it's very cute and also they get great gas mileage. I only really drive to and from work, which is about 20 - 30 mins each way. I don't drive long distances. Any info you can give me about beetles, I appreciate it :-) Thank you! (I want a red one!)""

Where i can i find affordable eye insurance? is it worth paying monthly in comparison to the $$ at checkout?

Where i can i find affordable eye insurance? is it worth paying monthly in comparison to the $$ at checkout?

""How much is car insurance supposed to be for people or just me, im 18 (i turn 19 in nov.)?

drove some cars afew times but never had a permit and i am trying to get my license so ill be ready to move out immediatley after i graduate next year (2013) but my stepdad keeps saying no i dont have the money for the insurance your gona have to get a job. but if insurance is under $600 for new 19 year old drivers than i have that money in my drawer. will that be enough for me to pay for my own insurance policy ?

""What is a good & inexpensive life insurance, medical insurance & dental insurance?""

I work for a company that doesnt supply any of this. So I need to come up with this on my own, hence the inexpensive part. I am a husband & father of 3 so I would like to make sure they are well taken care of just incase. I would also like a good insurance for us.""

Car insurance sellsman salary?

I have a question if anyone is in the car insurance business. My husband has been out of work for quite sometime, hes been really looking for a job anything right now, and got called back from a car insurance place he applied for i really dont know money wise, if it makes ok money they told him its salary and comission, i hate those kind of jobs. So im not so much knowledgable when it comes to the word salary and in that job description, anyone know if it pays alright.""

What do I do about car insurance when I join the military?

Do car insurance companies offer discounts on car insurance to those enlisted in the military. I'm going to be going off to the air force soon and I've decided i'm definately not taking my car. If I happen not to sell it either and just leave it at home, how do car insurance companies help with that? Do they give discounts to those away on military duty?""

Which auto insurance companies offer road side assistance and what exactly do they cover?

Which auto insurance companies offer road side assistance and what exactly do they cover?

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.""

Tricare/ER Insurance Question?

I lived in Arizona last year and still am in the Tricare West system (out of Luke AFB), although I now live in Ohio. I hurt my ankle several weeks ago and still can't bend it certain ways, and am beginning to suspect a hairline fracture...if I go to the ER (nowhere near any military facilities, especially not with hospitals), and put down my insurance company, will Tricare pay for it (including poss. X-rays) even though I'm still in the Tricare West system? Or should I submit the papers to get a PCM in the North region? (No matter what, I'm assuming I don't need a referral from my PCM to go to the hospital/get X-rays, is this correct?)""

Is it really worth it to get Full coverage insurance on a vehicle more than 10- 15 years old?

Is it really worth it to get Full coverage insurance on a vehicle more than 10- 15 years old?

Can you take out a life insurance policy on a family member?

I have an ailing father who's woefully under insured and he refuses to upgrade his policy, He'll likely not be able to settle his final affairs in the event of his passing. What recourse do I have as his son? Can I setup and pay for my own policy to fill in the gap? I would mean the difference between my Mother living in her own home, and possibly leaving her destitute. (I'm kind of hoping to be the knight in shining armor on this one)""

I knocked someones car but he claimed for a lot more and now my insurance has gone from 400 to 900 - help!!?

Back in June I knocked into a stationary vehicle in a car park. I waited for the guy to come back and apologised straight away. (when its your fault in life own up) He was initially annoyed (fair enough) but went on to tell me that someone else had knocked into his car recently and caused 600 worth of damage (the other driver had sped off and hed already had a quote for the work). I cant remember the exact wording of the next bit - but it was understood that I would pay whatever it cost on top of that to fix the area (bumper / side corner area) We exchanged details. I told my insurance company what had happened and the previous damage. There were also photos taken at the time that I forwarded on (not sure if they were actually any help) Next I hear his insurance company has approached mine with a bill for 700. The total amount for fixing his car. I brought up the matter of the previous damage - couple of conversations between insurance companies - his asking him directly if there was any previous damage and him saying no. I told my insurance company that there was a friend with me (we were walking our dogs in the park) who had heard the whole conversation - in fact she was the one that took the pictures. She is a responsible, respectable person who was happy to make a statement. I was told by the insurance company that as it was someone who knew me - they couldnt be seen as an impartial person and they ended up paying the whole amount to his insurance company. I have just received my new insurance quote. Last year it was 437 and now that I have lost my 3 years no claims bonus (I have been driving for much longer but have only owned a small van for 3 years (practicality for my dogs muddy feet) and insurance starts again for vans) but I also have this 700 fault against my name this year. My insurance quote is now 960. Is there anything I can do. Does anyone have advice for any further action I can take? I believe in taking responsibility for your actions - but I am being cheated here out of a lot of money and I dont know what to do. If 100 was down to me then I could have just paid that amount directly and not lost my no claims bonus. But as it stands it will cost me around 500 this year and more again on the consequent years of insurance. Sorry for this being a long one but I really am lost. My insurance is due on 7th Jan.""

Are insurance rates higher if you failed the road test?

On the first time or more than once or can they even see that

Wellford South Carolina Cheap car insurance quotes zip 29385

Wellford South Carolina Cheap car insurance quotes zip 29385

How much will it cost me to insure a ford focus - just give me an idea.?

Plese could anyone give me a rough idea how much it would cost to insure a ford focus. I just want to do it the cheapest way posssible. Its a 020 reg and i am currently using the car to deliver parcels so the insurance at the moment is forty pounds plus a month as im self employed. I will be leaving my job soon so just want to revert back to a normal quote but the insurer said they will charge me more if i pull out early and also he said it will be round about that price if you insure it with any other insurer. This is so confusing. Can anyone give me an idea of how much they pay.?

What is the cheapest car insurance?

What is the cheapest car insurance?

Why do so few people understand the Affordable Care Act?

Fact: You will be required beginning January 1st to pay upwards of $200 per month or more per individual if you do not presently have health insurance. The average estimated cost to you as an individual has been estimated to be $328 per month. This applies to all citizens of the United States. If you do not pay for health insurance, you will be fined $95 for the first year and subsequent years this fine will go up by hundreds of dollars per year. For those of you who think this is some kind of left-wing fact - Read A Newspaper. To me, $200 to $300 or more is a car payment or to put it another way - 2 weeks of groceries. How will you be able to afford this?""

What is an insurance quote?

I just want to know what it is because I always here it on car insurance commercials

What would insurance cost for a 16 year old?

I turn 16 in two weeks and i might be getting an Infiniti G35 coupe. We have state farm and i can't due a quote since i don't have my license yet. Can anyone give me an idea of how much the insurance would cost?

What car colors are more expensive for insurance?

I am buying a new car and I have found the one I want but I need lower insurance so what color is cheapest and what is most expensive.

Do i need to have insurance on a car im not driving?

I am turning 16 the very next April and i was planning on getting my license next year. Anyways i was looking online for cheap used cars that are suitable for teens because im paying from my own money. So i found this great honda civic for only $1,250 and there is only a few days left before the owner closes the sale and i really really want that car. So i was thinking buying it now and my dad drives it home and when i get my license he gives me the keys. But i was wondering do i need insurance even if i'm not driving the car? just keeping it in the garage?? because i do not think i will be able to handle the monthly insurance plans. as i said before im paying from my own money THANKS FOR THE HELP!!""

What is a semi fast car that has a semi cheap insurance rate for a 16 year old new driver?

I am trying to find a car that is fast enough that i can have some fun in but im not going to be spending a lot for insurance. I also want to have a car htat would be good to hook up.

How do i become an insurance agent in california?

How do i become an insurance agent in california?

Affordable Health Insurance in California?

We're TTC and having a bit of trouble so I was wondering if anyone could recommend a good health plan that covers maternity and possibly specialists.

Health Insurance For Full Time College Students?

I overheard another student in class talking about how she gets free health insurance coverage because she is a full time student? Has anyone else heard of any programs or companies that do that? if so can someone give me some links to the sites of those companies? (Because since im no longer in the class with the girl, i cant get it from her)""

Will my dad's car insurance go up if I get my license?

I'm 19 and want to get my license without getting my dad's car insurance going up.

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

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

How do you know how much insurance to take when you buy car insurance?

How do you know how much insurance to take when you buy car insurance?

What's the best site for cheap bike insurance ?

need to insurance my moped but want to make sure I get a good deal and cheap, any ideas ? thanks 

Is insurance required to buy a car?

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

Why does car insurance cost more for males than females?

I'm guessing because we tend to drive more dangerously, but how is that legal being sexist like that?""

Is auto insurance always required in California?

I remember hearing that if you had enough money set aside in an account, you wouldn't have to pay for car insurance. Perhaps the minimum coverages for all the various types of accidents, which would sum up to somewhere around $50,000. Is this actually a possibility?""

Home owners insurance?

I was wondering why insurance adjusters don't bring out in-fared while checking for home damage?? after all we pay for the insurance don't they have to look for the damage and have to be honest...

Am I still eligible for car insurance?

My car insurance dropped me today because I had four traffic tickets over two years ago. It was when I was just starting out driving and since then I have learned to be a responsible driver. Since the premiums were up for renewal next month, they pulled my file (audit) and found the tickets, and dropped me. I was told Progressive and Safe Auto would be good ones to check out. My first two tickets will be at the 3 year mark in a few months, the next about a month after.""

How to convince parents to let me have auto insurance?

I've had my license for a little over three months now. However, I have no insurance, and therefore cannot drive (in California). Their reasoning is that I am an unsafe driver which I disagree with because I quite easily passed my driving test at the DMV and always think before I do anything when I drive. However, they seem firm on their decision... It's a bit frustrating having my license for so long but still being unable to drive. I'm tired of having to always ask friends for a ride or my parents; I just want a taste of independence. Of course, I'm not trying to be too arrogant or stubborn, I've respected my parent's decision, it's just bugging me a bit now haha. I offered to do a six-month plan instead of a year plan since I'm heading off to college in Septemberish. I'm about to turn 18 in a couple weeks also. Does anyone have any advice?""

Can an insurance co.legally drop my homeowners ins.?

Have had insurance with the same company for about 20 or so yrs.Home and auto.They recently tried to make my 60,000 dollar home worth over $100,000,000 and charge me a lot more for ins. and I said no there is no way my home is anywhere near that amount.Next thing I know I got a letter saying my home wasn't up to the standards they require.Is that legal??""

If you get your drivers license do you have o pay insurance?

im 16 and my mom wont let me get my license because she says she would have to pay insurance

What is the Benefit of an insurance company selling a new for old Policy?

And... Why is it important to them to have the correct reserve... I already know a few reasons, but I'm revising and my mind has gone blank! Please can someone help? I'm normally very much on the ball.. but its just left me! Thank you""

Why is car insurance rediculous when I've never claimed and drive a small car?

I'm in my mid 30s, a female who has never claimed. My car is 1 litre and I don't drive many miles. I thought the companies would want my business but now I might have to give up driving because I can't afford the insurance.""

Wellford South Carolina Cheap car insurance quotes zip 29385

Wellford South Carolina Cheap car insurance quotes zip 29385

M2 and G1 car insurance?

As I noticed in drivertest.ca site that if you a holder of M2 you can drive G class vehicle under the condition of getting G1. So that means M2+G1 == G2 in one way (I mean G2 won't equal M2 + G1) So anyone have an idea how much insurance I have to pay for getting a car (i know a lot of details here but consider cheap car and no experience at all)? This info about M2 + G1 = G2 is from here: http://www.mto.gov.on.ca/english/dandv/driver/gradu/index.shtml Note: Class M2 and Class M licence holders may also drive Class G vehicles under the conditions that apply to a Class G1 licence holder. Thanks in advance

How much is motorcycle insurance in michigan?

I know it is hard to get an exact quote without knowing all the information, but I just need a range. I am looking at a 196cc 5 speed dirtbike that has been made street legal, and just need ~3 months of insurance. Would this be in the $100-200 range? Higher? Lower?""

How much is a ticket for not having insurance on your car in oklahoma?

I'm writing a paper for my law study class and was wondering how much the average ticket for not having insurance on your car in oklahoma is? Thanks for the help!

Need good car insurance in new jer sey -?

i recenlty moved form california to new jersey. i was holding my car insurance with 21 st century ,that was earlier called AIG . i needed a better insurance in new jersey with reasonable rates. i see the rats are pretty high in nj , from what i looked at,.please adivse some better car insurances companies""

Car insurance?.............?

if im 17 and i want to pay car insurance, would it be cheaper if i put my grandpa whos been driving for yeara on the insurance?""

What to put in to get the lowest/best insurance rate quotes?

Do I need to be honest? I own the vehicle. I am starting to get a new quote. For primary use of vehicle what should I put; Commute (school), Commute (work), Pleasure, or Business? I use it to get to work. I am also being asked how many mileage driven to go to work or mileage one-way, and the annual mileage. Is there a trick to getting the lowest rate on what to put? I am a very careful driver. I have not had any accidents in the past 3 years (nor anything major prior). I know these insurance companies only want to know about the last 3 years of my driving history. I am clean. I only need the legal state (Maryland) minimum amount to insure. Any advice on how to get the best rate quotes? I'm currently with Progressive, but might switch to Geico.""

How much would insurance be for a seventeen year old female driving 1999 Chevrolet?

I am sixteen i turn seventeen soon. My grandma will not keep me on her insurance About how much will insurance be for me as a 17 year old female driving a 1999 Chevrolet

How much would insurance for a 2008 Honda CBR 125cc?

I'm only a 16 year old, 5'3 115 pound girl... I've got my g1, my driving course and I'm more than willing to take the motorcycle course. I'm looking at buying a 2008 Honda CBR 125cc. I'm wondering ON AVERAGE what I'll be paying for insurance? Thanks in advance!""

Is it illegal to fake my GPA for lower car insurance?

if so, can they do anything about it, like take me to court or have me arrested? i ****** up my fist semester of college and now that i have my license i have to get insurance. my dad said i better have at least a 3.0 or else.. should i just do it?""

""I was in a auto accident, my car was rear ended, now there insurance is saying my car is a loss, can i sue?""

They hit my car rear end and now the repairs seems to cost more to repair then the worth of my car.... I don't know what to do, we were not at fault and I don't have means to buy another car, my car was paid off... and I took care of it, it always ran good and never needed any repairs..... I don't know what to do... Can I sue for the loss of my car?.... Would I sue there insurance company or the owner?""

I suspect I may have cancer in my thigh but no insurance?

Over ten years ago I went to a doctor to exray a hard fat tumor in my thigh. He said it was nothing. Since then it has grown massively and is no longer movable, aches and seems very suspicious. Since then I had insurance through my sisters business but it was cancelled at the end of May. I did not know this but after making an appointment with an oncologist I had to cancel since I have no insurance. I know to get new insurance, they must have some sort of a waiting period for them to pay for anything due to the pre exsisting condition clause. Is it 3 months? Six? I don't know. But I am wondering if anyone knows of any other options of anything I can do?""

I have a polish worker were can i find cheap car insurance for him?

I have a polish worker were can i find cheap car insurance for him?

How expensive is car insurance under my own name rather than my Mom's name?

My mom's car insurance covers me...but they are threatening to take me off her insurance over something stupid. Does anybody have any idea of how much more expensive it is if I get my own car insurance under my name instead? I'm 23, male, in Ontario, Canada.""

What insurance companies provide non-owner auto insurance in Ohio?

looking to insure myself for car insurance in columbus ohio but I dont own a car.

How much will my insurance go up?

I accidentally backed up into the corner of someones parked car going about 3-4 mph and there were some paint scuffs and a 4-5 inch crack.

Can I insure a vehicle on my insurance policy in a state other than where it is registered?

I am not the registered owner, my father is. He is retired and he owns a home in California where he lives most of the time. He visits us 3-4 times a month in Nevada but otherwise has no legal residence here. For his convenience he financed a car from an NV dealership to use here. The dealership told him since he does not own a home here he must register it in the state of CA for at least the first year. The vehicle does not travel back and forth and will be garaged here in NV. He has given me permission to use the vehicle for my daily 30 mile commute. If the car is registered and insured by him in CA, will I be able to insure the car on my NV policy as well?""

Health insurance after divorce?

I have health insurance for another month, then my divorce will be final and I lose the insurance through my husband's company (with Blue Cross Blue Shield). With a pre-existing condition, it appears that I will not be able to afford health-care after losing his. Please do not suggest welfare, I can scrape by on my own if I can find affordable health insurance. Does anybody have an idea of what options I may have?""

Does a veterinarian get life insuranced?

does a veterinarian get health insurance?

On an estimate how much does car insurance cost?

On an estimate how much does car insurance cost?

What is full coverage auto insurance for colorado?

I am financing a car and I have to have full coverage but I just want the minimum full coverage I can get that colorado requires. I am setting my dedutibles at 1,000.""

Im 6 weeks pregnant with no health insurance in california?

Im 6 weeks pregnant, i got my proof of preganancy at a free clinic, i applied for medical.. how long till i know im approved? I work part time, i dont make enough money at all... maybe 400 before taxes. i pay 400 rent, i split rent with my bf that i live with. he has a good job. would that effect my media-cal application? are they going to want my roomates info? and with him being my bf does that make a difference? we are not married so will they still use that?""

What is the best type of renter's insurance?

Whats is the best rental insurance for an apartment? What does it usually cover? The apartment rent will be $280 in Birmingham, AL. Is the best insurance to get the type that would cover most belongings and people incase of an accident wether it was by a person on purpose, accident, or a weather related incident? If you have renters insurance do you pay monthly or a one time thing up front if you are on a year lease?""

How long does it take for a traffic ticket to show up on your driver's license and insurance?

So i got a ticket on july 17th (of this year) and the deadline to pay, contest, or do traffic school for it was september 17th, two days ago. i checked yesterday for the update because i thought i had a few more days and it said i can extend the ticket (to pay or to contest or to attend traffic school) to november 16th. i chose that and i will eventually go to traffic school but my question is, is point already on my record and will it affect my insurance rates? My friend was saying no because i extended the date and by doing so i havent plead guilty to the ticket (by paying it or attending traffic school for it) so right now because i have the date to fix the ticket extended by two months, it will not show up on my license or my insurance. What do you guys think? thanks a ton for any help :)""

Does the Affordable Health Care law really prevent insurance companies from denying pre-existing conditions?

They say that now, insurance companies can no longer deny insurance to people with pre -existing conditions. So what was HIPAA passed in 1996 for? This law states that insurance companies CAN NOT deny people with pre -existing conditions. The only change I see is it gets rid of the 12 month exclusion period. I had two aunts with lupus, both lived in California and had insurance, until they moved to Texas. If they could have kept their insurance, they would have, but for some odd reason liberals are against insurance across state lines. They had no problem finding insurance, they just had to be out of pocket for 12 months. HIPAA also states that if you can go six months without any medical visits, advice/procedures, insurance companies are not allowed to look further than that and must not apply the exclusion period. So did the Affordable Care Act really stop insurance companies from denying coverage for pre existing conditions, or was it ALREADY a law? http://www.dol.gov/ebsa/faqs/faq_consumer_hipaa.html""

""If I make a claim using my company car insurance, does that affect my personal insurance reputation?""

I recently got into a little fender bender using my company car. The other driver wasn't present, so I left a note. He called, and I followed through by filing a claim with the insurance company. I'm worried, though, that my personal insurance reputation/rating is going to be affected because of this claim with my company car. Any information you can provide would b helpful.""

Wellford South Carolina Cheap car insurance quotes zip 29385

Wellford South Carolina Cheap car insurance quotes zip 29385

UK: how does the ncb function for car insurance?

The insurer of my new(ish) car wants a proof of no claim. I already have a insurance on a first car with ncb of 9 years, protected. How come I can't use this ncb for the second car? the cost of insuracne is outrageously expansive if I start again from zero year ncb for the second car... how does this work? why can't I carry on having the ncb for the second car too?""

Insurance Question!Can ya help?

If i have a 2002 isuzu rodeo with 100k miles on it and i pay $150/month for insurance, how much would my insurance go up or if even at all, if i got a 2001 Audi A6 with 100k miles on it? Plus do you think thats a good car trade :)""

""Car insurance strange quotes, why?""

Back in August, I got a quote on a car, it worked out as 900 for the year.(I'm only 17), and since then I've been getting regular quotes, and can't help but notice how much it's gone up. In only 2 months, it's gone up from 900 to 1900. I haven't changed a thing, and if you've used confused.com you'll know that you can just re-quote, which is what I've been doing. Anybody know why it's gone up so much. By the way it goes up about 40 a day at the moment. Could it be because it's the end of the month, or the end of the year? Thanks to any answers in advance.""

Car insurance for rentals & college students?

I'm not trying to buy a car or get insurance. It's for a project for school. What's the range of prices of car insurance for students ages 18-22 and also what are the prices of renting the most basic car from a company, like an average amount. Thanks :)""

What's a good medical insurance plan for someone in my situation in CA?

It's so overwhelming with all the different policies out there, if someone has a recommendation for a good insurance company that is affordable for my situation: a. self employed single female b. no health risks/problems c. mid 30s d. prefer a plan that covers maternity just in case""

Exactly what did Health Care supporters mean by affordable Health Care?

I talk to many that say much of their income is going to Health Care. Will Obama care really bring affordable health care to those who cannot afford it? This seems a little confusing?

Who thinks the health insurance waivers means that companies don't have to provide health insurance?

You'd be wrong. Care to understand why? http://www.whitehouse.gov/blog/2010/12/10/truth-about-health-care-waivers The bad news is that today mini-meds are often the only affordable option for many low-wage workers because retail and chain restaurants rarely offer their workers options beyond these plans. And because mini-meds are built around annual limits, estimates from employers and insurers indicate that beginning the phase out of annual limits this year would cause mini-med premiums to rise by more than 200 percent, forcing employers to drop coverage and sending many low-wage workers to purchase insurance on the more expensive individual insurance market, where they would get an even worse deal than what they have today. The result would be a whole new population of uninsured Americans. To ensure that we protect the coverage that these workers have today until better options are available for them in 2014, the law allows HHS, in extreme cases, to issue temporary waivers from the phase out of annual limits. There are some important facts to remember about these temporary waivers: The waivers only apply to one provision of the law  the provisions phasing out annual limits. Insurance companies and employers that receive waivers must comply with all other parts of the Affordable Care Act. The waivers last one year. Insurance companies must reapply for the waivers each year between now and 2014 when annual limits on coverage will be completely prohibited and individuals will have more affordable and better private insurance choices in the competitive Exchange markets. All employers and insurers that offer mini-med plans may apply for a waiver if they demonstrate that there will be large increases in premiums or a significant decrease in access to coverage without a waiver. You can read a list of employers and insurers that have received waivers here.""

How much would a health insurance company charge to insure a 55yr. man with colitis?

How much would a health insurance company charge to insure a 55yr. man with colitis?

What is the cheapest insurance for a 17 year old?

Im planning on moving out soon and want to get started, the kind of car im going to get is either a ford mustang or a dodge charger 05' and i was wonderin if anyone knew the cheapest insurance there is. Thanks much!""

How can I get my my insurance to pay for my nose job?

I had deviated septum surgery last Spring and now I want rhinoplasty. My nose was fairly large before my surgery now I have an even larger bump on my nose. I know that my insurance ...show more

Insurance is up in 4 days I just made a claim. Can I still switch insurance companies?

Insurance is up in 4 days I just made a claim. Can I still switch insurance companies?

Car insurance and crash?

ok well last night it was rainy and i was going down a street i tryed to stop and take a turn but i lost control and went over the curb scraped the left front of my car pretty bad. the damage was my front bumper is pretty much destroyed, the mirror broke off, wrecked the front left tire, and a huge long dent on the front left top of the car just before reaching the front hood and also a hole near the door and now i cant open the front door all the way. after i had to change the tire and i drove home. this was my first crash involving car insurance and im 17. will i still be able to drive if the car insurance covers it? i really dont know whats about to happen.""

How much would motorcycle insurance cost for a teen?

Alright, so I'm 16, living in Ontario, but haven't decided what bike imma get yet, so can anyone give me a range of what it'll cost? Thanks in advance.""

Car insurance for teenage girl?!?

I'm an a student. How much would the average cost be for car insurance if I'm under my parents insurance? I'm also 16 and a female! Also on the bill is the payment combined or would I be able to see how much my payment is individually?? Please and thank you!

How much is insurance on an 89 camaro?

how much would it be a month? im 20

What is the auto insurance rate for a 16 year old in Florida?

I live in Florida, let's say a Toyota RAV4 2008 is what I'm driving, I plan to drive around locally, I think my family has all-state. (Excluding discounts). Also about discounts, does driver's ed act as a discount? If so, how much? I'm pretty sure I meet the GPA requirement, are there any other discounts a 16 year old could apply for?""

How much will my insurance cost next year?

My insurance at the moment cost 1200 and this runs out sept of this year. If I don't make any claims can any of you estimate how much it will cost for renewal. I am 21 female. I've got 5 points until 2010 and I drive a 1999 peugeot 206. It may be a dumb question but I was just wandering if anyone might have a rough idea?

""Selling my car, insurance question re. test drive and taking it home?""

I'm selling my old car and just want to double check insurance rules. I'm currently insured to drive it (3rd party, fire and theft), the MOT and tax is still valid, the car is in my name. If someone wanted to come and test drive it would they need their own insurance? What if they decided to buy it and drive it home? I'm not insured to drive other cars, just my own. Cheers""

How much do you think insurance would be for me?

I'm turning 16 and honestly don't know where to even start when it comes to insurance. Right now my parent don't have insurance.. Do They need to have insurance so I can get insurance? I live in tennessee I'll be driving a 2006 black jeep liberty and insurance just seems really confusing and scary.

What are rates for car insurance?

I'm trying to answer a question for drivers ed about car insurance. I'm supposed to answer what rates are for a first time driver (just getting their liscence), what rates would be for someone who hasnt taken driver's ed, what are the rates for a 25 year old, what are rates for a person without drivers ed, and what are rates for someone convicted of driving while intoxicated. its not in my book, so i dont know how to answer it, but im trying to answer the questions based on full coverage.""

What is the average insurance rate for a slk 350 2013?

I am looking for an estimate but I don't want to put in all my information don't want all these people calling me.

I'm 27 years old and I wanna get life insurance ? Any thoughts on which type i should get . ?

simplify your answer please .

I dont get what to do about car insurance?

Im 16, and ive had my permit since last august, and im gonna go for my license. I lived with my dad, but i have been living with my mom for a while. Im probably going to go on my dads insurance. But, can i drive my moms cars. So my questions are 1. Can I drive my moms cars when if i am on my dads insurance, is there a policy where I can drive other peoples cars? 2. Can I go on my dads insurance if I dont live with him? 3. Im not on any insurance now, I drive with my parents. They are on the insurance and their cars are covered, so do I already have to be covered with just a permit. 4. Im going to use my moms car for the driving test, do I have to be on insurance by then? I know they check for proof of insurance but i dont know if im supposed to be on it. My parents are divorced and I live in illinois and they have different insurance companies.""

What is a good insurance company for a young female driver?

I'm 18 and passed my test about 10 months ago... what would be a good insurance company?I've heard that female only companies can offer cheaper quotes. Also if you can suggest any cars that are easy to insure for a first time driver Thanks

In the state of Florida do I still need insurance if i'm wearing a helmet on a motorcycle.?

My friend said if i'm wearing a helmet on my motorcycle I am not required to have motorcycle insurance. Is this true? If it is, are there any other rules to this or something?""

Wellford South Carolina Cheap car insurance quotes zip 29385

Wellford South Carolina Cheap car insurance quotes zip 29385

https://www.linkedin.com/pulse/3-day-insurance-patrick-campbell/"

[beardedwinnerobject-blog]

Is there any cheap insurance out there for students?

"Is there any cheap insurance out there for students?

Hi, My name is Courtney and I'm looking to buy a car soon but I don't have car insurance. My parents wont put me on theirs so I need something really cheap because I'm a student and I don't have much money. Is there some place that offers coverage for low low prices?

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

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This is what I know: 4WD and newer cars means higher rates. I know certain cars, particularly Honda Civics and Accords from the 90's were commonly broken into and stolen, and that raised rates. I think I'll be responsible for paying my own insurance and gas. (Unfortunately I do live in a snow climate, but we haven't had real heavy snows in a while) So, it would be VERY helpful to list some non-boring/decent, reliable cars, that would be best/good on insurance costs! Thanks!""

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My mom finaced a car for me in Montana its in her name but i pay the car payment. I live in Colorado. even though she has car insurance already on the car in her name... can i get full coverage in Colorado in my name? so say fro example if i crash it The car will still be covered. is that against the law? please help. thanks

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How can I find the cheapest car insurance for me? I just got my first car and I know I will prolly pay a lot for insurance but how can I check for deals? I am on a really tight budget but at the same time, I only have a second-hand car so I gotta make sure I get insurance that will pay out if I need to make a claim. Where can I get the cheapest car insurance for my car at, and how reliable is it if I need to claim??""

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How much does car insurance cost?

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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!!""

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Is there any reason why i can't add someone to my car insurance?

If i add my sister to my car insurance, because she is a woman and older with lots of driving experience it will lower my insurance quote simply because she is on there. But does she need to actually use the car, or can i just get her added to the car for the saving. I know the insurance company wouldn't necessarily check but if i needed to make a claim could they dismiss it if it was uncovered the additional driver never used the car or intended to use it. We also live in different houses, will that make a difference, as from quotes i have done it doesn't usually ask for a second address, could i say she was living with me for insurance basis? Thanks in advance.""

Why are all my insurance quotes so high?

Ok, I'm 17, passed my test in june. been getting quotes on comparison sites for a 1 litre vauxhall corsa (1995) and the lowest quote is 4980 a year. I have triple checked each and every question it asks me and they are all correct and good. i am not insured on anything else, no no claims bonus etc. im a college student so how the hell do they expect me to pay almost 5000.. they are ridiculous to even set these prices thinking someone is going to use them. please any responses as to why my quotes are so high? tyvm""

Is it true that if some one borrows your car and they don't have their own insurance they are uninsured?

If they don't have their own car and insurance and you just have basic liability are they driving uninsured and could get fined if pulled over. Please advise

Can you get insurance on a car if the owner of the vehical doesnt allow it?

Can you get insurance on a car if the owner of the vehical doesnt allow it?

I need to know about car insurance?

so i got in a lil lil car acdent it wasent realy even one i just left a scarb a lil one on his car see i was on the highway my breaks dident stop in time i was going really slow when it happen and it left a lil scarb on the back of his car so he said if i have 220 dollars by saturday he will not cal my moms car insurance if he calls the insurance would my mom find out? and what would happen if he called them?

""How much can I expect to pay for car insurance in BC, Canada?""

I'm trying to budget for next year, and just need a rough estimate of what insurance will cost a 19 yr old female, driver training and defensive driving certificates, 2 years learners, 2 years GDL, 1.5 years full licence driving (total of 5.5 years driving experience), driving an older dodge turbo vehicle of some sort. Any broad range ideas?""

Is there any cheap insurance out there for students?

Hi, My name is Courtney and I'm looking to buy a car soon but I don't have car insurance. My parents wont put me on theirs so I need something really cheap because I'm a student and I don't have much money. Is there some place that offers coverage for low low prices?

How much does it cost to get a license to sell insurance?

How much does it cost to get a license to sell insurance?

Is selling (health/life) insurance a good way to make money and what r the pros and cons?

Is selling (health/life) insurance a good way to make money and what r the pros and cons?

Computer experts: tips on how to insure the longevity of ones computer?

System Properties: Microsoft Windows XP Home Edition Version 2002 Service Pack 2 Dell Dimension DEO51 Intel(R) Celeron(R) CPU 2.53GHz 2.53 GHz. 768 MB of RAM AT&T Yahoo service provider - MODEM Speedstream 4100 My Comp. Tech told me he had tripled the memory; so the above specs. may not be accurate with regard to this. When not in use, I always put it on Stand By . Disk Fragmenter: when should I, and should not, utilize this? I'm 74 yrs. old, and had never even touched a computer til I retired; and have no formal education in computer operations. So please delineate your responses in layman's terms. Any recommendations so as to insure my computer's longevity would be greatly appreciated. Thank you, Alberich""

If i get my medical card in california will my parents see it since they pay for insurance?

I am about to get my card and i was wondering if my parents will see it, since they still pay for my insurance.""

Buying health insurance?

im 20 and going into an ems training program. because im not going to college anymore, i wont be on my parents insurance. how do i find an insurance that will cover the meds i take with out paying my left arm? prozac buspar lithium seroquel b/c""

Do you need car insurance to visit on a army base?

Well I am going to visit my friend on the Fort Lewis, Washington army base. and he is saying I need car insurance? Well my coworker said no but if you do get pulled over on base without car insurance the ticket is double. So do I need it to go on base? I will only be there for three days. Thanks.""

Can I get money back if I cancel my car insurance?

I share a car with my mum but she doesn't allow me to use it, so I figure it would be best to cancel my insurance policy if I get some money back. I only need a car to get home from work on a Thursday night but I have asked my boss if I can do an earlier shift so I can get a bus. He is letting me know if I can do this by the end of next week but in the meantime I would just like to know if it's worth cancelling. The policy runs out in April, I live in the UK and I'm with Zurich if that helps.""

""Cheaper car insurance, please help!?

I am paying about 250$ on my car insurance and i cant afford it anymore. Mine is a 2000 model car and i need a cheaper insurance. Please help. I am in the Northern Nevada.

Does your car insurance go up if you had an accident falling asleep at the wheel?

I just had an accident where I fell asleep at the wheel and ran into a cement barrier, thank god no one was hurt and there was no destruction to public property, the cement barrier was just dandy. But I wanted to know if your insurance rate goes up if something like this happens. Aside from this I'm a good driver and the only other accident I had involved a drunk driver hitting my car.""

What's the minimum auto insurance coverage I should have in california?

I'm not talking about the minimum required by law, but what's a good idea to have? Is 100/300/50 BIPD overkill? Are we just throwing our money away?""

Fast old car that isnt cost millions to insure?

I am 17 i understand that the insurance on a very fast car would be millions! but i was wondering does anyone know an old fastish car that the insurance isnt tonnes and tonnes of cash in the UK

Cheap auto insurance for new driver?

I was just wondering of anyone knows of an insurance company that will insure new drivers for a low cost. I know it's hard to find because it always costs more to insure younger drivers due to the likely hood of them getting into an accident. I don't have my license yet, but will have it estimated by June of 2013, by then I'll be 17. I'm going to get my permit sometime in January so I would need the insurance by then.""

Can anyone recommend a motorcycle insurance company in the UK?

My son is 20 and trying to get reasonable quotes which don't cost more than the value of the bike is driving me nuts. I've tried all the comparison sites but what I want to know is which companies are worth bothering with. I've been on some review websites and looked up the companies which come up with the cheapest quotes and a lot of the reviews call them rip off merchants and say not to touch them. I want to hear from someone who's actually had to make a claim and been satisfied with the service.

Teen Car Insurance (Divorced Parents)?

Living in North Carolina and both households get along well but adding the teenager is crazy expensive. I'm looking for off-the-cuff insight. If a vehicle is registered and garaged at one house, and the teen has his license from the other parents' address, it should not be necessary to add the teen to the policy, because in essence, he is borrowing' the vehicle. Right? For clarification: I have a vehicle for him to drive. If he gets his license at the other parents house, but drives my vehicle, he shouldn't have to be insured by us because he's not driving a vehicle within his household. Thanks for any help""

USAA insurance rates from traffic ticket?

I received a traffic ticket for following too closely and was clocked at 17mph going through town. The car in front of me had pulled away from the stoplight and was clearly not interested in speeding up, so I had to speed up some to signal into the adjoining lane to pass him. This was during rush hour, so traffic was pretty heavy. The cop pulled me over and cited me for following too closely which carries a $115 fine. He asked me why I thought he pulled me over, and I honestly had no idea what I did wrong. Unfortunately, he would not concede to a simple warning and cited me anyway. I also received a ticket about 11 months ago for not coming to a complete stop at a stop sign before turning. USAA did not increase my rates from this ticket, but I am concerned that they might increase my rates if they find out about the latest ticket. Should I plead not guilty and have a trial date set to fight this, or just pay the fine and pray that USAA doesn't pick it up? Does anyone else have experience with two minor traffic violations within one year and USAA auto rates?""

Who do you have for car insurance? open!?

looking for a cheap car insurance, buut not to cheap were if i get into a car crash they'd give me 10 cents. any suggestions?""

How much aproximately will my car insurance be for a peugeot 306 for a new driver?

the car is 1.4 engine size and a 1999 model

What does a person credit score have to do with rates on car insurance rates?

It should be against the law since everyone must carry car insurance. Also, what does my low credit score got to with my great driving record? Sounds like another reason to raise rates because most credit scores are low across the board. If someone pays their insurance company on time and has a good driving record should be their only concerns. Doesn't that make sense to raise car insurance rates to persons that had a hard time paying a bill, bit made all their car insurance payments on time. If there are others out there mad about this issue please help me do something about this robbing...""

How DUIs and accidents effect your car insurance rates?

I know several people that have multiple DUIs. The strange thing about this is that they all pay a fraction of what I do for car insurance. I have a car that is almost 20 years old and I pay just liability. My payments are higher than my friend who drives a 2007 Honda with full bumper to bumper coverage. I have two accidents on my record right now. But are accidents weighed heavier than DUIs in the eyes of insurance companies? Its quit frustrating

I got a traffic ticket out of state. Will I receive points on my license and/or will my insurance rate go up?

I'm from Missouri and received a traffic ticket for running a red light in Iowa. The violation was vehicles fail to respond to steady red signal . Will I get points on my license from this ticket? If so, how many? Will my insurance rate go up? Should I try to get my ticket taken care of ? Thank you.""

How much would taxi insurance cost?

How much would it cost to insure a car essentially as a taxi? Also how much would it cost for a person to be insured in a customers car (any car they drive)?

Can you get car insurance just for a few days?

1st time driving (well With my license) lmao, have drove be4. but i got my g1 a month ago, and bought an suv 2days ago wht i play on gettin rid of as i found at theres no way i can get it safty as it needs a weld. but i would at least like to drive it for a few days on a Trip permit, but u need insureance in order to get tht. and i was told there is a pay-by-day insurance that u can get. so i am wondering how much would insurance be for only 10days? as thts how long a trip permit is good for ps.. i live in belleville ontario""

""I have taken out car insurance last month,i have found a cheaper insurance,i want to find out if i can cancel ?""

my previous insurance,i took it out on installments""

Im 19yrs old and i wanna know how much will my car insurance will be..???

Im 19yrs old and i wanna know how much will my car insurance will be..???

Do my parents need to inform our home insurance company about my uncles car?

My uncle is a car collector and for the past 15 years he has been keeping one of his vehicles in my parents garage. We're not sure whether he has insurance on that car. Are we required to inform our home insurance company of this fact? What if it turns out my uncle has insured the vehicle, would we still be required to?""

Is there any cheap insurance out there for students?

Hi, My name is Courtney and I'm looking to buy a car soon but I don't have car insurance. My parents wont put me on theirs so I need something really cheap because I'm a student and I don't have much money. Is there some place that offers coverage for low low prices?

Cost of insurance for a 16 year old?

I am turning 16 in may and i can't wait to get my license but i am also starting to think about insurance. It is going to be sooooo much. I have a '85 corvette but my dad told me they have to insure me with the most expensive car they own. This would be a 2002 F250. I was wondering which one would be cheaper and about how much? I was thinking around 200-300$ a month but i have no idea? and how much difference would it be between the car and the truck? please help?

Does the insurance company have to pay for this?

ok so i was involved in an accidents 6 months ago because this person ran a red light and hit me... i dislocated my elbow and have been in physical therapy since... last time i went to therapy they told me i have 8 more visits left because my health insurance is gonna be maxed out..... and they told me they dont bill car insurance companys..... soo i call the car insurance company and they told me they cant pay for any bills until the settlement is done, but the therapy said they cant wait that long soo i dont know what to do..... i need more than 8 visits""

Who provides really affordable car insurance?

I'm 19 in a month, I drive a 2002 Ford explorer and it needs to have full coverage. What are some cheap insurance providers for teenagers? What can I do to lower the cost?""

How do the payment work if a bunch of people are being sued by a auto insurance company?

1 insurance company is suing another insurance company, and 6 people. If the 1 insurance company wins how do they split of the amount sued for? If they do at all... I need answers please""

How do I get health insurance?

I am a heart transplant patient without health insurance and am on disability for 8 months. I am not able to recieve coverage from anyone and have large medical and prescription costs.

Does red light camera ticket affect your insurance rate?

If i got a ticket from red light cam, will that affect my insurance? In the state of Missouri""

Will a reduced 1 point Defective Headlamps ticket affect my auto insurance?

I was pulled over for turning onto a one way street the wrong way, which is a 3 point ticket in Denver. If I pay within the first 20 days the ticket is reduced to a 1 point Defective Headlamps ticket. My parents have state farm insurance. Will they be notified of this ticket through the insurance and will my insurance rates increase? I'd rather them not know, and the cop said my insurance wouldn't be affected because of the reduced ticket. I just wanted to follow up. Thanks!""

How much will my insurance go up?

about 3 months ago i got a ticket for going 23 over and went to court. the judge gave me a $40 fine and said if i didn't get another ticket for 6 months that the first ticket wouldn't be on my record. this morning i got a ticket for going 10 over. it was really stupid because i was going the speed limit and had cruise locked on but it was a downhill and i got going. the ticket is $20 and i dont have to appear in court. Will my insurance go up? if so how much should i expect. the judge told me last time that if the insurance company doesn't look at my driving that they dont send them notification.

Cheap car insurance...?

If you buy a shitty car for like $500, can you get insurance that only covers the other person in a crash and not you?? I know they used to have this?""

Does where you live affect your car insurance price even if you're only third party/fire/theft?

I recently moved to a city from the countryside. I guess I need to inform my car insurance company of this, but I'm worried they'll want some more money off me and tbh I don't have any whatsoever! Do you think they will? I only have third party/fire/theft cover.""

How much does health insurance cost?

I am from the UK and I am doing an assignment on whether medicine can be justified to have a price tag. As I have free public healthcare from the country (NHS), and I do not have private healthcare. I would like a guide as to how much health insurance would cost for a child, man, and woman with no health condtions. Please be specific and add more examples if you can.""

What are life insurance quotes and its advantage?

What are life insurance quotes and its advantage?

Car insurance quotes?

I have just spent an endless amount of time on various car insurance sites, which start of with reasonable quotes then you add the bits and pieces on and you end up with ridiculous final costs. I am not insuring a 0-60 in 5 seconds type car but a small 1.4 Honda I am fully aware that any car can cause damage,my wife drives the car,has had no claims or convictions. I have a larger car and the insurance is 50 cheaper than all quotes received so far,which includes breakdown recovery,protected no claims and legal cover. anyone with car insurance advice would be appreciated, these car insurance sites are a pain""

Does anyone know an affordable health insurance company?

I am self employed and need affordable health care for myself and my child.

Is there anyway to get decent homeowners insurance at a cheap price?

My husband and are in the process of purchasing a small home. We are seniors living on a fixed income and have to watch every penny. We have two weeks to find the homeowners insurance and they all seem to be so high in price. Does anyone have any ideas how we find an affordable homeowners insurance?

Fraudulent car insurance claim against me?

hi my problem in a nutshell is my vehicle was hit in the rear while it was parked, when i confronted the driver we had an argument and the police were called no offences were committed and the police left after me and the other driver exchanged names and addresses. A month or so later i received a claim for neck injuries to the driver and his 2 passengers for approximately 20,000 for an accident that he said i drove into the rear of him which was totally false, i have witnesses which include the police officer who attended to the fact that the other driver hit my parked unattended car, i have lost my no claims bonus and i applied for a job as a driver which i did not get because of this pending claim, my insurance company have tried to contact the other driver who has not answered for a number of months and when i spoke to my insurance company i was informed that the other parties insurance company does not have the full story i.e they have not been told that he hit my vehicle and i have witnesses to prove that i am at a loss because i have been told it can take 3 years for the claim to close if the other driver does not answer any of the correspondence he receives. any advice please""

How much did you pay for car insurance on your first car?

I am going to be 17 soon and will get a car, the car i will get is Vauxhall Astra Mk4 1.4, i went on a car insurance quote comparison website and the cheapest they could find was like 5,500, there's not a chance im gonna pay that, i was wondering what you all paid, oh and i live in the UK.""

Insurance for GSX-R600 does make and CCs matter?

Say if you had a 750 would it drasically spike the insurance as if you would have bought a 600 instead? What are all the factors that insurance companies go through to give you a quote? What questions are asked? If you could answer this too it would be great :) Make/model of bike: Age: CCs: YO experience: Thank you!

What is the *cheapest* car insurance for a 20 year old female driver in TX?

I'm going to pay. I don't have any close family that can put me under their insurance, so please give me the CHEAPEST choice... Thank you.""

Is it covered under insurance?

i want to change my old cavities to the white cavities to match my teeth. i hate to open my mouth in front of people because i have so many cavities. the thing is, is it covered under insurance and is it expensive?""

How much will car insurance be?uk?

i am 16 andd saving for a car for when im 17. I hope to spend about 900 on the car. Can anyone tell me an aprox amount pleease :)

Is there anyway to lower insurance rates after a traffic violation is on file?

Is there anyway to lower insurance rates after a traffic violation is on file?

Where can i get on birthcontrol cheap and without insurance in dc or md?

I really need to get on birthcontrol and i'm looking to get on the pill. i need something affordable and i dont have insurance. I also go to school in a different state than where i live so i would need to get it comehwere that allows me to pick it up from different pharmacies depending on where I am at the time.

How can i cut my insurance premiums? UK?

I have 1.9 diesel 306, and have also a TT99 on my driving license which although my ban ended a while ago i have to declare and keep on license till 11/11.I have been driving legally for 18months now but its costing me a fortune every month for the insurance. How can i reduce my insurance from average of around 3000. Or does anyone know what cars are likely to be cheap to insure and run, (baring in mind i have partner and two kids to fit in the car as well. Thanks in advanced""

Insurance on a 1.4 car for a 17 year old.?

I recently purchased a saxo furio and was wondering what the insurance would be like for a 17 year old with 0 NCB ect. I haven't passed my test yet and I'm 16 at the moment so cant get insurance quotes. Any ideas?

Is there any cheap insurance out there for students?

Hi, My name is Courtney and I'm looking to buy a car soon but I don't have car insurance. My parents wont put me on theirs so I need something really cheap because I'm a student and I don't have much money. Is there some place that offers coverage for low low prices?

Insurance rates and quotes?

hi im Robert, im From the MD NJ NY areas. lived mostly In Maryland and central New Jersey my life im 19 i lived in florida for a little over a year. wanted to stay but the Economy has done its toll on me and my bank account & Loosing a job there but back in MD i have a new job and also an opportunity to work out of the Baltimore Office or the Freehold NJ Office. i know when my father had an Courier delivery company he paid Alott and out raged prices to insure his trucks. and even paid 950 a month for one car in staten island NY. which was the place we lived for time. but anyways. i have a chevrolet G2500 Express Cargo Van that i do nothing really but commute and put tools in for side work and remove trash and stuff. and take on road trips because i can turn it in to a RV within 30 minutes and hook up a genertor. its pretty cool. but thats in-material, so anyways. i don't want to Pay through the Nose for Common/Average Car/Truck insurance Any Answers or suggestions will be glady Appreciated! Thank You!""

Insurance for expecting baby?

Where can I get free / low cost health insurance for my expecting baby? In louisville, Ky ???? Please help!!! Im 18.""

How much can I expect to pay in car insurance?

I am looking into getting my first car, but I have little idea how much I would be paying in car insurance. I live in Massachusetts. I am going to be 17, and I have taken a driver's ed course. I also get straight A's in school (I know that some insurers offer discounts for good grades). I am a new driver, so obviously I am at high risk for an accident; but if it makes a difference I also have a clean driving record. The kind of vehicle that I am looking into getting is a 2002-2004 Ford Focus Sedan with a value between $2,000 and $3,000. I know that it is impossible to give me a 100% correct answer, but if it is possible I am wondering what range would I be looking at yearly?""

Who will be responsible for my dad's car wreck/Will my insurance premium go up?

I let my mom borrow my car to get to work for about 6 months. I knew she had it, I never insured it and neither did she. My dad is abusive and tries to contol everyone and their possessions (my car, my apartment, my bf's car). He hit a local business and caused 15k of damage. He has never worked and my mom just recently started a job-I have had to work for everything in my life and I'm frustrated with always being taken advantage of. My dad was taken away from the scene in an ambulance, the owner's of the property he hit never received his name or contact info. Since the car is registered to me, am I liable? Although it was his accident, will my future car insurance premium go up because of this?""

How important is having health insurance in usa and why?

Why health insurance has more importance in usa ?Is it mandated in usa?what are the differences in insurance when compared with India?

Teenage Car Insurance Question?

I am a new teenage driver about to go for his license in a few weeks. Before I do I have to be on one of my parents insurance plans. My mom says that adding me to hers would be about $1800 yearly and my dad just says that that is ridiculously high. I don't know which one of them to believe on this issue so: How much is average teenage car Insurance

Should my baby have insurance coverage?

I am 34 weeks pregnant. I am on my dad insurance and they are paying 100% for the delivery. They said they will not paying anything for the baby once he is born though. I have been ...show more

Will not going to driving school raise insurance?

I'm almost 18 and have not yet attended driving school. I was thinking that I'd just go to the BMV and get my license once I m 18 and not worry about paying so much money for driving school. But I have heard from a few people that insurance later on once I receive a car will be higher since I did not take any driving courses. Is this true? I want to know if it's better to pay a little extra now to go to driving school for lower insurance later? Or if it'd end up being about the same price, anyway, without driving school? (I know all insurance companies are different, but I mean overall/in general?) Please and thank you!""

Car Insurance for any Car in USA?

I am a Senior Indian Citizen of 73 with a US Green Card in Parker, Colorado. I have an international driving permit. Can I get a Car insurance for driving any car hired or private?""

Insurance on 2002 subaru wrx?

Hello, I am 16 and am looking into getting a 2002 wrx. My dad only wants plpd on it. I would just like to get an estimate of insurance rate. I live in michigan btw.""

Is the 2008 Mazda Rx-8 worth buying?

I got a deal for 19,000 dollars with 11,000 miles on it. I can afford it but im wondering if it is a reliable and good car for 5-6 years. How does it do in the winter? I live in VA. Gas? Reliable? Insurance? Used 2008 honda accord coupes are so expensive and camrys are expensive too.""

California mat do away with mandatory auto insurance. How much will rates go up?

The insurance industry has already said they will raise rates. A few years ago when insurance became mandatory, they raised the rates too. As much as 100%. What's your guess as to how badly the will gouge their customers this time?""

Car Insurance question?

I got a ticket 3 years ago. I just got one recently around February. My car insurance will get renewed around August. When they renew my insurance and they estimate the new amount for my car insurance, will they find out about my recent ticket? I know the past one from 3 years ago will get dropped off since car insurance companies dont count tickets from 3 years ago, but will the one that I had from this year get counted into the new estimate this year?""

What is the absolute cheapest car insurance for 17 year old males?

I need the cheapest one in general I live In houston Texas with a 92 prelude and I need the absolute state minimum cheapest out there

Car Insurance Coverage?

My husband and I each have our own cars. We are covered by the same insurance company (multi care policy). My car is a 1998 in excellent condition, however due to its age I dropped the collision. MY husbands car is a 2011 with full coverage. We were told by a friend (not the insurance compny) that if my husband is driving my car and involved in an auto accident that any repairs would be covered under his insurance policy since he has full coverage. Is this correct?""

WHAT CLASSIC CAR INSURANCE COMPANY WILL INSURE ME AT 17?

in ON canada what classic car insurance company will insure a 17 year old with a classic car

How much would car insurance be for me? I'm am 16 years old and get overall good grades.?

Some other things that might help are, - 16 year old Male - It will be under my parents credit/name ( They have Allstate ) - I would be driving my dads 2004 Ford Explorer (Once in a while his 2011 Nissan Altima) - Like I said, overall good grades - I live in Tooele Utah Please give my positive answers! Thanks!""

What is the cheapest auto insurance for a 19 year old female?

I am soon going to buy a used Toyota Corolla and I live in North Carolina. I am just starting to get my driver's license and I was wondering what auto insurance is cheaper? Would it be cheaper if I was on my parents auto insurance?

I have full coverage on my car insurance..i accidently dented my car and broke the window my self what i do?

i have full coverage on my car insurance ,,i accidently broke the driver side window and dented the door my self,,what should i do? tell the insurance that somebody else did it and have them fix it?..they supposed to right?""

Im just about to start learning to drive have you got any tips what car i should drive to get lower insurance?

I want a beetle but i dont think that will give me cheaper insurance, i dont have any idea.""

Looking for a car with free insurance.......?

My brother has just passed his driving test and I am trying to help him get a new car but keep the costs down. He is 23 and I was wondering if anyone new of any deals that are on at the moment. He lives in Glasgow if that's any help. Thanks everyone Kevin

""Adding a driver to car insurance, average cost?""

if you add another driver to your insurance like your brother, or sister or son, who is a new driver, and your insurance costs $350 for six months already. how much do you think would be additional cost to this insurance as a result of this change? if you can share ur experience it would be nice. i know it all depends on the history of the new driver, but say the new driver did not have any accidents or anything. i need to get a general impression... Thanks in advance.""

How much would car insurance be for me?

I'm 15.5 and I really want to get my learners permit, but I gotta talk my parents into it. I would pay for EVERYTHING. I just need to know how much. I know its hard to calculate, but please estimate! :) When I buy insurance my info will be 16 years old Male 3.8 GPA driving a 2012 Jeep Wrangler Los Angeles California And I would want medium coverage the help would be great! thanks :)""

AVERAGE Insurance (UK)?

Could anyone give me an average price of insurance or insurance group for a 20 year old female, on a 2011 fiat 500 twinair lounge 0.9? I don't want to do those compare sites as they ask for all your details. Thanks""

How does car insurance work?

I just wrecked and I backed up into someone. How does insurance work. Do they basically pay for it or what. Or after you wreck do you have to pay more for insurance??

Is there any cheap insurance out there for students?

Hi, My name is Courtney and I'm looking to buy a car soon but I don't have car insurance. My parents wont put me on theirs so I need something really cheap because I'm a student and I don't have much money. Is there some place that offers coverage for low low prices?

https://www.linkedin.com/pulse/how-much-cost-get-me-listed-my-moms-insurance-aliza-hausauer"

[turfandlawncare]

9 Bogus Facts About Lawn Care

I knocked on the door, stepped back, and politely awaited a response.  I stepped down a little from the front porch, so as not appear threatening to the person answering the door.  A shuffling noise, followed by some hurried footsteps approaching the front of the home, and then the door opened…

“Hi, my name is Jay, and I work for –“

“Sorry, I don’t believe in chemicals,” was the response I got once the woman who answered the door saw the lawn care company logo on my shirt.

“Well…that is unfortunate, because chemicals do exist.  They are a very real part of our world, so….”

Luckily, this woman saw the intended humor in my sarcastic response, and broke into a wide grin which turned into a laugh.  “What I meant was that I don’t believe in using chemicals on my lawn.”

Having been in business in Central PA for over 35 years, we often hear lots of reasons from potential clients for not purchasing lawn care.  I myself sold lawn care door-to-door for many years for a national lawn care firm, and heard just about every excuse and justification you can imagine from a potential client for deciding against hiring a service.

What follows here is the collective wisdom accumulated from personal experience and institutional memory – here are 9 “facts” about lawn care that are just categorically untrue.

1.“Lawn care is too expensive.”

I hear this one frequently.  There’s an assumption that because this service is considered to be a luxury by many homeowners, that the “luxury” must come at a premium price.

The reality is two-fold.  First, it really is a necessity for many homeowners.  I frequently field calls from clients who have neglected the lawn for years at a time, and then want it magically “fixed” before they sell it in four months.  Lawns are a complex ecosystem, composed of hundreds of thousands of individual plants.  There is no “quick-fix” for many lawn care concerns.

Secondly, many homeowners who have never had a quote are often surprised at the affordability of a lawn care service for their property.  I would frequently ask clients (and still do) to simply “Allow me to put a quote together for you.  It is no-obligation, and you might be surprised at how affordable it actually will be.  I’ll be five minutes or less with that number.”

When clients take the time to hear us out, they are usually pleasantly surprised at the resulting quote.

2.“My lawn is so bad, no one can fix it.”

This is a particularly persistent myth we run across.  Often times a homeowner has either had a bad experience with a competitor of ours, or they have tried to do this maintenance themselves with little or no results to show for their effort.

The truth of the matter is that a trained and seasoned professional can help you by setting realistic expectations for your lawn.  Unless your lawn is on an extremely steep slope or gets less than five or six hours of direct sunlight daily, you can usually have a pleasant-looking, healthy lawn.  Your professional should communicate reasonable expectations for results, how long they will take, and any additional recommendations, like aerating the lawn or the need to re-seed.  They will also probably insist on a soil test, so that any nutrient deficiencies can be address and remedied, giving your lawn the best possible chance of success.

3.“My neighbors don’t treat their lawn, so it would be a waste of money for me to treat my lawn.”

Again, the homeowners we hear this from usually fall into one of two categories.  First, they may truly see no value in treating the lawn, and they are using their neighbor’s lack of interest as a justification for their poor property management.  The other scenario is often a homeowner who worked consistently on their lawn for a number of years, and threw up their hands in frustration when the neighbor’s weeds consistently encroached across the property line.

The fact is very different.  We’ll get into some of the environmental benefits of having a healthy lawn further down the list, but the reality is that most respectable lawn care providers offer you free “call backs” or “service calls” with a full program.  If you’re paying a company to treat the lawn, and they’re leaving behind something in the lawn (usually a small flag) that has their company name on it, they want the lawn to look good.  Calling once or twice throughout the season, between your scheduled visits and asking for a touch-up on the weed control is doable.  And it usually minimizes the frustration you have with “that” neighbor’s turf issues trying to claim territory in your lawn.

4.“Lawn care is a scam. I can buy the products and DIY it!”

This assumption is only partly true.  Yes, you can buy lawn care products like fertilizer, weed control, and insecticides to treat the lawn yourself.

The reality for many homeowners is that it is very difficult to select the right products at the home center, get the timing of those applications correct, and continue to do so throughout the entire growing season.  In fact, many of the fertilizers you can buy “over-the-counter” so to speak are in effect a “watered-down” version of what the professionals use.  The companies that produce these products have been forced to do this by consumer habits; most homeowners have no idea how much product they should be applying, or they deliberately over-apply to get the lawn looking “extra-green” this season. In fact, this is the reason most of these companies no longer include phosphorus, a key ingredient in fertilizer, in their mixes.  Misapplication by homeowners runs into the watershed (it ends up in storm drains, for example) and causes rapid algae growth that damages the ecosystems it traverses on the way to larger bodies of water, like the Chesapeake Bay.

The full truth is also that many products are simply not available to your average homeowner.  Products used by your lawn care company are applied at lower rates, and applied for a specific purpose.  A professional lawn care company will almost always apply a lower (but correct) rate of fertilizer than a homeowner, and still get better results.  And many of the most efficacious herbicides require licensing from a governing body.  Here in Pennsylvania, the Department of Agriculture has a registry of licensed applicators, and they are the only ones who can legally and safely (due to training) apply these products to your lawn.

For best results, you should still hire a professional.

5.“Lawn care is bad for the environment.”

Ah, the environmentalist.  Listen folks, I grew up sorting my recyclables and watching Captain Planet for cartoons.  I get excited about plants, and read books about trees for fun.  I care as much about the environment and being a good steward of our natural resources as anyone, and probably more than most people.

The fact is that lawn care is not bad for the environment, and hiring a professional is even better for the environment, many times, then doing it yourself.  Lawn care companies have tighter government regulations on the products they use and the rates at which they use those products.  This means less run-off into local water sources; a properly applied fertilizer is absorbed by the plants it is fertilizing, leaving no room for the “extra” nutrients to leave the property.

6.“Lawn care does nothing to help the environment.”

The national firm I worked for previously invested heavily in research and development.  They had a “hold message” (when you called in and waited to speak with a representative) that gave lots of helpful information about the environmental impacts of a healthy lawn.  For instance, did you know that an average residential sized lawn, when healthy, produces enough oxygen for the family that lives there for an entire year?  Or that a healthy root system in your turf filters water more effectively than anything on the planet except virgin, untouched rainforest?

No, my friends, lawn care is not bad for the environment.  Ignoring your lawn’s needs can lead to erosion, where soil ends up in the water supply, making it dirty.  THAT is bad for the environment.  Not responsibly applied products to promote the lawn’s health.

7.“Lawn care companies don’t care about people/pets/the environment.”

I once knocked on a potential client’s door, and walked away after about a minute when there was no answer.  I got halfway to the next door to knock on, when the previous homeowner came out.  I turned back around, smiled politely, and introduced myself.

What I was greeted with in return was anger, rudeness, and outright animosity.  This woman screamed at me and waved the door-hanger I had left at her home in my face for about three full minutes.  She went on about every conceivable conspiracy regarding how lawn care companies are hurting people/pets/the environment.  I had trouble following much of it, honestly.  I finally said “I’m sorry you feel that way, Ma’am.  Sorry to have bothered you,” and walked away.  I decided I had earned a coffee break, and drove to a local gas station, where my phone rang…she had taken my phone number off the door-hanger, and called me to continue her rant.  (In fairness, she did eventually apologize to me for the way she treated me.  Lovely woman, actually!)

Lawn care products go through a pretty stringent “vetting” process by the Federal government and many state Departments of Agriculture.  They are labeled only for very specific purposes, and there are incredibly stiff penalties for violating those product label’s guidelines.  It is simply not worth the risk for your lawn care company to do something illegal (or immoral) in the way they apply products to your property.

The truth is pretty simple here; the people that run your local lawn care company have families/pets/property that they are concerned about, too.  Here at our firm, many of our coworkers are avid outdoorspeople, and care very much about the environment.  We are not going to ask you, the client, to have something applied to your property that we would (or don’t) apply to ours.

8.“Treating my lawn only means I’m going to have to mow more often.”

False.  This statement is just not the whole truth.

The real truth is that having a lawn with a healthy root system does mean that it is generally more heat and drought resistant than a lawn that suffers benign (or even malicious) neglect.  Regularly treated and aerated lawns tend to use water more effectively, and so weather the hot, dry conditions we typically experience in summer, better than untended lawns.

But the reality is that the amount of rainfall often has far more to do with the amount of mowing you’ll be doing than anything your lawn care company is applying.  That is why you mow more often in spring and fall than you do in the summer – there’s more water for the lawn.

Getting the lawn treated will help it withstand heat and drought better, but won’t necessarily make you have to mow more often.

9.“I’m paying XYZ company to treat my lawn, so it should be perfect!!”

Again, just flatly untrue.

While it is true that your lawn care professional is being paid to maintain the turf, there are many things that they simply cannot control, or cannot control until they know about them.

For instance, I once had a client that was a soccer coach, and he was from a foreign country.  The climate in his home country was much warmer, and he was used to a much different grass type.  (Grasses in North America are generally either “warm-season” or “cool-season” grasses.  We grow cool-season best here in Pennsylvania.)

This client insisted on mowing his cool-season grass very close to the soil level, like the warm-season grass he was used to in his home country.  He simply would not listen to me about the proper mowing height, and became impatient when he continued to have problems with drought stress, weeds, and a generally thin, anemic looking lawn.

Cultural practices like this are an important part of the partnership you have with your lawn care professional.  You should be working together to get the desired results, and sometimes that means you, as the homeowner, need to accept and respond to the company’s feedback on these issues.

Other considerations are insect populations, amount of rainfall, overnight temperatures, the actual grading of the lawn in question, presence (known or unknown) of turf-damaging fungus, the amount of shade on a property, the degree of slope on the property, and the amount of traffic on the turf, just to name a few.  This is by no means an exhaustive list.

Here’s the bottom line – lawn care is an established industry for a reason.  There’s value in it for the homeowner, for the neighborhood, and for the environment.  It’s here to stay.  We hope you’ve taken a few moments to read through this list and educate yourself.

If you would like more information about lawn care for your property, we’d be happy to give you a free consultation.

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