#since it's not only full time work i also have a 2.5 hours commute each day and sometime i should probably study too

[glittercleric]

We'll be busy with Curse of Strahd for quite a while yet, but I'm already thinking about what I want to run after that. Top contenders right now are Rime of the Frostmaiden and Hoard of the Dragon Queen / Rise of Tiamat.

[foreverlogical]

A recent rush hour morning at one of New York’s busiest stations looked nothing like the pre-pandemic days. The chaotic energy at the heart of America’s biggest city is muted — now just a handful of mask-clad workers tunnel their way through the dingy underground corridors.

As economies of major cities crawl out of the Covid-19 abyss, transit systems that keep them running are in for an uneven recovery — and as the disease threatens a resurgence in winter months, mass transit systems around the globe are facing potential financial ruin without bailouts from governments that are also in deep fiscal holes.

European capitals have collectively recovered half of their usual riders, while major North American cities have seen a much slower return to public transit. But none are close to full ridership after nearly a year, and the dearth is laying siege to transit coffers from New York to Berlin.

With spot resurgences of Covid in the U.S. and Europe, the return to transit has stubbornly plateaued at low levels once unfathomable to city leaders. The world may not experience pre-pandemic “normalcy” for at least another year, leaving systems starved for fare revenue as government coffers dry up.

For transit authorities, the multi-pronged attack that will have cascading effects in the biggest cities in the world: Economies can’t fully recover without transit and transit can’t fully recover without the return of economies. The dilemma worries transit officials here and abroad over what the Covid-19 pandemic will mean for the future of transit, which even in the best of times depends on taxpayer support to keep operating.

“It does feel as though that commuting arrangement where millions of people went in five days a week from nine to five — those days, I think, are gone,” said Alex Williams, director of city planning at the Transport for London. “I think more people will want to work in a flexible way where they are coming into the office a few days a week rather than five days a week. And we need to reflect on that and think, ‘what is the public transport service we provide?’”

New York’s Metropolitan Transit Authority has warned it may have to cut service up to 50 percent and gut its $54.8 billion capital plan to improve its aging system without federal assistance to see it through the crisis. It’s facing a $10.3 billion deficit through this fiscal year and next.

The state of New York has allowed the MTA to borrow $10 billion for operating purposes because of the pandemic, a move that would bring its debt service to $675 million annually starting in 2023. But borrowing could be more expensive than in the past as interest rates on MTA bonds have risen since the public health crisis began. Moody’s and Standard & Poor’s have downgraded MTA’s transportation revenue bonds twice since March with a continued negative outlook.

Throughout the U.S., transit systems have called for $36 billion in federal aid to make up pandemic-related shortfalls, on top of the $25 billion in collective aid they received in late March.

The MTA alone is losing close to $200 million a week to keep its current level of already-reduced service during the coronavirus pandemic.

The International Association of Public Transport, based in Brussels, estimates that European mass transit agencies will collectively face $45 billion in farebox revenue losses by the end of this year, leaving local transport systems “literally fighting to survive,” according to a group of European transit CEO’s who have been urging their governments to help fund the losses.

Why transit in certain cities has recovered faster than others is down to a variety of factors. The reopening of schools, offices and restaurants and gyms all boost ridership, which is largely determined by the success of public health measures in lowering the rate of Covid-19 infection.

Cultural attitudes are also at play. Americans are typically more car-centric than their European cousins. Local officials have varied in their response to increases in vehicle traffic — with some, like New York City Mayor Bill de Blasio taking a hands off approach, and others actively trying to find alternatives. Public health messaging around Covid-19 and the risk of mass transit has varied, potentially influencing public perception of using subways and buses. And governments have generally been more willing to subsidize transit losses in Europe than in the U.S. (A Joe Biden presidency might change that dynamic as the Democratic candidate has shown support for rail.)

But transit officials and experts interviewed by POLITICO said the formula for a return to transit is relatively simple: ridership has returned in places where more of the economy has restarted. But with scattered outbreaks returning in Europe and the U.S., those numbers could become increasingly volatile.

After a robust economic return in Paris, for example, the government recently enacted a strict curfew as cases there surge. In New York there’s been a slow return to indoor dining and in-person schooling, but neighborhood outbreaks are threatening that progress, to say nothing of office workers who may not fully return for another year.

“Transit ridership is a health and economic indicator,” said Janette Sadik-Khan, the former commissioner of New York City’s Department of Transportation. “One of the biggest determinants of ridership isn’t how safe transit feels in itself, but the economy as a whole.”

And transit agencies are grappling with what a protracted recovery in ridership will mean for the services they provide.

Transit companies will need bailouts to make sure services can persist. Transport for London, which is the operator and regulator for the U.K.’s network, is calling for an additional £2 billion (or roughly $2.5 billion) in aid through December to avoid a “doomsday scenario,” but Prime Minister Boris Johnson has been reluctant. Berlin’s local authority owned metro operator BVG could raise ticket prices to cover some of its losses. The MTA is considering fare hikes as well, but with ridership cratering there’s only so much it can raise prices without driving straphangers further away.

Washington D.C.’s Metropolitan Area Transit Authority has warned it may have to make $200 million worth of cuts without additional federal aid, including cutting rail and bus service and closing the rail system earlier in the day.

In the U.S., negotiations between the Trump administration and Senate Democrats over a new Covid-19 stimulus package have been at a stalemate — leaving transit operators in the lurch.

“Transport authorities all around the world are needing central government support to see them through this unprecedented crisis,” said Williams, of the Transport for London.

In the U.S. it’s unclear when or if that will happen.

By the numbers

Fewer than 20 percent of riders have returned to Washington D.C.’s rail system. Transit agencies in New York, Toronto and Chicago are still only reporting roughly one-third of their usual ridership on subways, while metro systems from Milan and Berlin are seeing between 50 percent and 65 percent of their usual ridership. Cities rapidly approaching their pre-pandemic ridership levels include Paris and Vienna — which have recovered at least 70 percent of riders on their metro systems.

Each of those cities took similar response measures to the Covid-19 outbreak — shutting down businesses and telling large portions of the workforce to remain at home in the months of March and April. But they have operated on different timelines for recovery.

New York has offered outdoor dining but only allowed restaurants to offer indoor dining a few weeks ago — while cities like Berlin and Paris (until recently) have offered it for several months. Fans are trekking to championship games for soccer in some parts of Europe while stadium seats for baseball and football games in most of the U.S. remain empty. Concert halls and theaters in New York City are similarly dark.

The rate of workers returning to the office and the start of school has also varied.

Transit experts have traced the surge in metro riders in Paris to the start of school on Sept. 1. New York didn’t fully reopen its schools to in-person learning until late September, and more than half of students have opted for all remote schooling.

London has also seen a slow return of its workforce and is similarly reporting transit ridership numbers more in line with North American cities, as opposed to its mainland European counterparts where workers returned much faster.

A second wave

While some cities have seen a resurgence in cases as they’ve restarted their local economies, studies out of Tokyo, Paris and Austria have not traced cluster outbreaks to mass transit. Hitoshi Oshitani, a professor of virology at Tohoku University Graduate School of Medicine, along with other experts, has said riding buses and subways is safe as long as masks are worn, the systems are well-ventilated and people refrain from talking.

And while some cities have retroactively restricted economic activities like restaurant hours in response to a second wave of Covid-19, transit experts said they so far aren’t seeing the same impact on ridership as they did during the first set of Covid-19 restrictions.

“That’s the main difference with the first time — now we see the ridership with public transport is growing despite the second wave,” said Mohamed Mezghani, secretary general of the International Association of Public Transport. “People are using public transport and [are] maybe not as concerned as they used to be as they were four or five months ago.”

Information and misinformation

Outside of the economic recovery, there are also perceptions unique to particular areas that are driving transit habits.

The U.S. Centers for Disease Control and Prevention told U.S. commuters in June they should drive alone instead of taking public transit to work. Following a wave of criticism, the agency updated the guidance to advise driving alone “if feasible” and recommended alternatives like biking.

“These kinds of messages are of course confusing to people,” Mezghani said. “I think in the U.S., in general, people are really afraid of using public transport.”

An MIT report in April claiming that New York subways “seeded the massive coronavirus epidemic” also left a sour taste in many residents’ mouths about the prospect of taking mass transit. The study itself has been widely panned.

Transit safety is a major factor influencing the return of office workers in New York, with 28 percent of 150 major New York City employers ranking it as a primary concern influencing the pace of workers returning to the office, according to an August survey by the Partnership for New York City. Forty-six percent ranked it as their second concern after the status of Covid-19.

The European Commission did recommend loosening restrictions on “individualised transport” in the early days of the pandemic, but also advised that cities ramp up the availability of “collective transport options” and communicate in a way that “helps to restore the trust and confidence of passengers regarding the safe use of collective transport.”

Most public transit authorities have taken similar measures to limit the risk of Covid-19 exposure and ease riders’ concerns, such as requiring commuters to wear masks and increasing cleaning regimens. Some took those precautions even when the CDC and World Health Organization were still not recommending widespread mask usage.

But some were more proactive than others in their messaging.

Vienna — which has seen the one of the highest rider return rates — launched a concerted campaign in May to convince riders that mass transit is safe to take.

Transit leaders in London and Belgium have also launched campaigns to get commuters back on mass transit. Following criticism about metro crowding as the city faces a rise in Covid-19 cases, Paris’ Delegated Minister for Transport Jean-Baptiste Djebbari defended the safety protocol for public transport and insisted it isn’t a particularly strong vector for spread.

While the New York MTA requires passengers wear masks and has increased its cleaning regimen, it faced criticism for being slow to do things like mandate masks for its workers and fine riders who don’t wear masks. Messaging was also sometimes confused where transit officials encouraged returning to the system but Mayor Bill de Blasio at first said it was reasonable for people to use cars instead.

Similar patterns emerge

While there are variations in recovery among cities, there are some common trends throughout the pandemic.

Generally speaking, buses have seen a higher rate of recovery than subways or trains. Many cities — including New York, Toronto and London — boast at least half of bus riders have returned since the height of the pandemic.

“The buses far and away are moving a lot of people,” said Stuart Green, a spokesperson for the Toronto Transit Commission, adding the agency has since redeployed more buses because of the surge in riders.

Commuter rail lines that stretch into more suburban areas have suffered the most.

New York’s MetroNorth rail line is reporting only a 21 percent return of riders on weekdays. In Toronto, only 18 percent of riders have returned to the MetroLinx system that runs seven commuter rail lines and regional buses — while 40 percent of commuters have returned to its subway and streetcar systems.

“If I had to pick one mode that appears to be at risk — and this is true not just in New York — it’s commuter rails and the recovery in ridership there,” Pat Foye, chair and CEO of the MTA, said in September.

And transit leaders collectively fear what the displacement from mass transit will mean for the environment.

Car usage has increased at a much faster rate than mass transit ridership, even in cities like Paris that have rapidly expanded bike lanes to discourage car use. Transit advocates have criticized New York for moving slowly on the rollout of bus and bike lanes, particularly after de Blasio advised New Yorkers to “improvise” their commutes. Traffic in New York has largely reached pre-pandemic levels.

“It is a pandemic crisis, but behind this crisis is a much bigger crisis — and it’s the climate crisis and don’t forget that,” said Alexandra Reinagl, managing director of Vienna’s Wiener Linien.

Hanne Cokelaere and Joshua Posaner contributed to this report.

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[kentthewolf]

8 Steps: How To Do In 2 Hours, What Most Do In A Week

Regardless if you work from home or commute to an office, many discover it can be a battle to focus, be productive, and finish every one of their assignments.

Since becoming a self-employed marketing specialist (on February 16th, 2020), I've constructed an effective full-time business, launched various side hustles, finished numerous enormous tasks for a few clients without a moment's delay, and worked far less than 40 hours per week while venturing and spending much more time with my family than I ever had before.

Yet, my secret isn't earplugs, espresso, "more self-control," or an enchanted time-management application. (Truth be told, I don't utilize one single efficiency apparatus by any stretch of the imagination.)

In this article, I'll show you the specific, exceptionally intense techniques that caused me to soar my efficiency and get magnificent outcomes without depending on “willpower”.

It's entirely conceivable and regardless of whether you're self-employed or an employee, these tips will help you as well.

1. Stay away from productivity killers

Regularly, individuals attempt to help their efficiency by adding a wide range of assets:

Time management app, calendars, site blockers, productivity books, and so on

Yet, making an inadequate framework more proficient doesn't prompt greater productivity.

Before you add more, start by deducting things that kill your productivity.

It’s not the daily increase but daily decrease. Hack away at the unessential. — Bruce Lee

Rule Number One: Never check your email or messages first thing in the morning.

55% of Americans check their email before they even go to work.

The problem with checking your emails or messages so early is that it puts people in a state of reaction: It fills their head with tasks, stressors, and mini-fires they need to put out before they even had a chance to do all their top priorities.

And since they see their emails before they’re at work, they can’t even do anything about it yet! So, it stays in the back of their mind all morning and they can’t be fully present.

(Later in this article, I’ll show you how to check your email in a more productive way.)

Rule Number Two: Limit all notifications.

Loads of individuals' phones are an interruption factory — with a wide range of alarms, messages, updates, and notification, it resembles having an infant in your pocket. 

However, it's unimaginable for you to focus like this. 

To start with, people are awful at performing various tasks. Regardless of how hard you attempt it, in the event that you get a notification like clockwork, you can't zero in well on the thing you're doing. 

Second, if a notification pulls you away from your work, when you return, you'll burn through a great deal of time as your mind has to readjust to what you were doing, and returns to a similar level of productivity before the interruption. (You lose throughout 23 minutes each time, really.)

Third, checking your notifications resembles a drug: 

Each time you check a message, email, alert, and so forth, your cerebrum discharges dopamine, a compound that causes us to feel better. 

In the long run, your body gets dependent on these chemicals and you begin wanting it — and the best way to fulfill that hankering is to check Gmail, Instagram, Facebook, and so forth 

An exceptionally basic arrangement is simply to set your phone on flight mode or "do not disturb" during explicit times, particularly toward the beginning of the day. 

For the individuals who need to take this to the next level, I energetically suggest disabling all unimportant notifications from all applications on your phone.

Rule Number Three: Don't sit in front of the TV, read the news, or check/utilize social media before anything else in the morning. 

Productivity is tied in with achieving your most elevated priorities, efficiently and effectively. (Take it from a marketing professional, who’s predominant chunk of work ties back to social media at some point)

Activities for your boss. Building your business. Making a side business. Composing the book you've for the longest time been itching to compose. Preparing for a long-distance race. Getting a degree. 

Odds are, be that as it may, your most elevated needs are not Instagram, messages, and viewing SportsCenter. 

The issue is, when individuals start the morning by consuming data, they haven't stepped toward their main objectives and they're as of now filling their brain with (generally) pointless, distracting stuff. 

None of it will assist them with achieving their greatest errands. Furthermore, more regrettable, things like the news cause individuals to feel more negative, stressed, and pessimistic, further influencing productivity. 

Yet, there's a reason behind why such a large amount of this is centered around your mornings…

2. Overcome the most important time of the day 

The secret to soaring your efficiency is exceptionally straightforward: 

Overcome the initial three hours after you awaken. 

This is the point at which you're generally innovative, engaged, ready, gainful, and stimulated. 

That is the reason it's essential to secure your mornings and try to benefit from those hours. 

Here's how:

To begin with, require a couple of moments at the very beginning of your day to do an amazing morning schedule. 

It may appear to be strange to invest energy in the first part of the day not to work, but rather to prepare yourself to work. However, I guarantee those couple of moments will change your productivity.

If I had eight hours to chop down a tree, I’d spend the first six of them sharpening my axe. — Abraham Lincoln

A few plans to "sharpen your axe:"

Meditate. Go for a stroll. Eat healthy. Peruse something motivating. Compose your objectives on a handy-dandy journal. Stretch. And so forth

It doesn't need to be muddled (or long), however plan something to help you feel 100% prepared — mentally, physically, and emotionally — so you're engaged, inspired, focused, and driven.

At that point, when you begin working, you'll have a huge load of momentum to take out the entirety of your assignments.

Second, try not to settle on an excessive number of insignificant choices and, instead, do the same routine consistently.

That is really the mystery of world class level competitors/athletes:

They do the exact same ludicrously, exhausting, boring schedules throughout each and every day.

They eat the same healthy foods. They do the same exercises. They do the same warm-ups.

Once more, mornings are the point at which you are generally beneficial and focused. Try not to squander your psychological energy on minor choices. "What am I going to eat? What am I going to do? What am I going wear? Where am I going to go?"

In all actuality we just have a restricted measure of significant level for mental execution every day.

By doing the same things consistently, you can utilize that elevated level of cognitive energy on the things that matter since all the minor task of your day are on auto-pilot.

Third, accomplish extraordinary work.

After your morning routine, you may have somewhere close to 2–2.5 hours remaining from your initial three hours. That is the point at which you will accomplish your best work.

The remainder of this article will show you how.

3. Why you need to make teeny-tiny assignments

Many individuals think they battle to complete their assignments on account of laziness or an absence of willpower, inspiration, or determination.

In any case, frequently, the explanation is undeniably more straightforward!

For instance, somebody's plan for the day may resemble:

Compose blog article

Build a website

The genuine issue is each task is so overwhelming!

To compose a blog article or construct another site, it could take somewhere in the range of 3 to 30 hours!

Each errand is so huge and inconclusive, there's no foreordained length or approach to quantify its fulfillment — but to complete the entire damn thing. (I speak from experience; can’t you tell my frustration?)

Also, in the event that it winds up requiring 30 hours, it'll remain on your to do list for a few days, if not weeks.

Instead, break them into explicit, noteworthy errands that can be executed in less than 60 minutes.

For instance, rather than "compose a blog entry," it very well may be "compose an outline," "make a draft for the intro," "compose 10 ideas for the title," "compose 200 words," and so forth

These are explicit, significant, and quantifiable.

Much like with sweets, teeny-tiny is better:

With smaller tasks (ex. 20-minute long), you have certainty you can complete them. In any case, if your assignment is to assemble a site (which can require days, weeks, or months), the finish line might as well be in the North Pole.

When you make your errands "teeny-tiny," you'll finish a greater number of assignments in less time than previously. By observing yourself finish more things, you'll pick up momentum and certainty.

When you have a significant plan for the day, it's an ideal opportunity to orchestrate them the correct way…

4. Prioritize like a pro

One of my most extraordinary lessons came from the "80/20 Rule."

Otherwise called the "Pareto Principle," it clarifies that about 80% of your output comes from about 20% of your input.

For productivity, that implies 20% of your work makes 80% of your outcomes.

A few people, however, simply do their daily agenda in any order. So, they may complete a great deal of errands before their day's over, yet get little outcomes (assuming any).

Actuality is, in everybody's plan for the day, there's only a couple of things that have the "greatest value for your money."

So, pick the 3 most significant things — no more than 3 — and put those at the top.

At that point, do those 3 things each in turn and don't do whatever else on your list until you finish those 3 things.

By doing these basic things first, you get the most outcomes every single day.

Once more, you have the most inventiveness, focus, and mental energy in the mornings; so, devote your best time of day on your highest priority tasks.

To figure out your best 3 tasks, try asking yourself:

What three things totally can't stand by until tomorrow?

What are the three things that on the off chance that I finished, but did nothing else, would have the option to get by with?

What are the three things that will have the greatest effect on my life?

Assuming, in any case, you have 5 basic assignments that all should be done today, locate the two things that, in the event that you don't do them, have the slightest repercussions.

At that point prioritize the other three.

(Figuring out how to prioritize will change your productivity, and in addition your life.)

5. Why limiting your time can zap your speed

Have you ever had a whole month to do something minuscule — and that "miniscule thing" winds up requiring the whole month?

There's a law for that.

It's designated "Parkinson's Law": Work expands to fill the time necessary for its completion.

In other words, whatever time you give yourself to finish an errand, it'll take that measure of time — regardless of whether it's 30 minutes, three hours, or three weeks.

Along these lines, to help your efficiency, don't give yourself more time to complete something:

Give yourself less.

Make a forceful time limit and perceive how quick you can do it. Clearly, you need to do a good job, but try to push yourself in terms of speed AND quality.

You'll see that the errands that once took "quite a while" really complete significantly quicker.

More, frequently, you'll really make a superior showing since you're giving your full concentration and focus to hit a pressing time limit.

This is the way you utilize Parkinson's Law for your own benefit.

6. Take interval mental breaks

It gives you stretched intervals to be super-engaged and undistracted while additionally giving you breaks to recuperate and reenergize.

Regardless of whether you're working, composing, or learning, taking regular breaks is essential.

It resembles working out at the gym: You need rest between practices so you can do it again and still have perseverance, strength, and force.

You can do a work duration of 25 minutes — with a brief 5 min break — I for the most part complete 50 minutes with a 10-minute break.

Throughout this break, however, it's essential to really "take a break" and not simply browse email, check social media, or occupy yourself.

Normally, I'll go for a stroll to walk my dog, do yoga stretches or even basic calisthenics to stimulate blood circulation throughout the body; at that point, I reset the clock and go once more.

7. Improve your performance with music

You did your morning schedule. You have your organized daily agenda. You haven't browsed through your emails or messages. You set 50 minutes on your clock and are prepared to tackle the day.

Now what?

Here's a simple tip to help you take your working capacities to the next level:

Tune in to the same music on repeat.

Here's the reason why it’s so effective:

Instead of continually hearing different songs, which urges you to tune in to the words, by tuning in to the same one, you melt into the tune, quit zeroing in on the words, and simply feed off the energy.

My secret sauce is to listen to Binary sounds. Search “Binary Work/Study Music”, it’s far less distracting and gives you more focus to work. (I’m doing it as I compose this article piece!).

8. Conquer the last challenge

The past productivity systems are incredibly amazing and intense.

Yet, here's a severe truth:

Regardless of how well you plan your day or the number of productivity systems you use, in the event that you hate what you’re doing or don't know enough about what you're doing, you won't be productive.

So, on the off chance that you attempt these tips and still battle to complete things, ask yourself:

Do you really want to do them in the first place?

Is there something you're anxious about or afraid of?

In any case, while there are times you need to beat internal opposition — particularly when attempting to transform yourself — some of the time it's an indication of a more profound issue.

Possibly your body, brain, and gut are attempting to reveal to you something.

Talking from personal experience, the last time I opposed accomplishing work, it was on the grounds that I was in an occupation I hated and I wound up quitting (which additionally fixed my depression and allowed me to educate myself more on the thing that mattered most to me).

I can’t tell you for sure, but I do recommend taking some time, digging deep, and seeing where that opposition is coming from. You might just discover a whole new your

I can’t wait to see the greatness you will accomplish.

[hashtag-anthems]

Something I noticed this term (I’m in my fifth year of university finishing up my undergrad degree):

My roommates both graduated last winter term. I am still in classes. I only have class three days a week, but I’m in class for 6 straight hours on those days (I have two half-hour breaks that are entirely comprised of getting from one class to the next). That’s 18 hours in class per week. Compared to my roommates working 40 hours per week, that seems like nothing, right?

Except my day doesn’t end when I get home. My university has this stupid idea that “for every credit you’re enrolled in, you should be spending 2-3 hours outside of class studying/doing homework.” Okay, I’m in class for 18 hours per week. I’m enrolled in 13 credits of classes (3 classes at 3 credits, one class at 4 credits). For the record, 12 is the minimum to be full time, which most financial aid and housing require. So let’s take 2.5 hours of work outside of class for every credit taken, since it’s right in the middle. That’s (13 * 2.5) + 18 = 32.5 hours of work expected. Okay, that’s still less than my roommates are working, and I have 7 days to stretch it out over instead of 5!

Oh, did I mention I have ADHD? My university gives me time and a half on exams and quizzes because they acknowledge that I need extra time to do my work. So that (13 * 2.5) hours I should be working outside of class? Let’s consider that I work slower than my peers and to complete the amount of work they expect my peers to do outside of class, I need time and a half. So that’s (13 * 2.5 * 1.5) + 18 = 48.75 hours. Okay, we’re in overtime now, but my mom works 60 hours a week! Still not unreasonable!

But I’m also taking just barely more than the minimum credits. Let’s look at Freshman Tori’s schedule, fresh out of high school and ready to take 17 credits! I was still ADHD then but I didn’t know it yet, so we’re still going to account for the time and a half.

That’s (17 * 2.5 * 1.5) hours outside of class plus the 17.5 hours I’m actually in class or commuting between classes (which I can’t spend studying or doing homework when the bus is packed like sardines which it always was). That’s 63.75 hours outside of class and 17.5 hours in class, for a total of 81.25 hours of work each week. Okay, people work multiple jobs in this economy. Still understandable!

That leaves 86.75 hours per week for personal care and recreation. Okay, everyone knows students don’t get 8 hours of sleep every night but that’s not healthy! So let’s assume 8 hours of sleep per night. That’s 56 hours of sleep per week. Okay, that leaves 30.75 hours for other personal care and recreation. Let’s say an average of an hour a day to handle personal hygiene and bodily processes and to make yourself presentable. Now we’re down to 23.75 hours left. 20 minutes per meal, three times a day, we’re down to 16.75 hours (even though we know college kids aren’t eating three square meals a day, you should be). If you don’t eat in the dining halls, you have to factor in time to cook, but I was a freshman, I didn’t have a place to cook, so we’re gonna ignore that. So we have 16.75 hours left. That’s 2.39 hours per day to do anything non-self-maintenance or class related.

And this is just me. I never had a job in undergrad because, despite the fact that I needed one, I had less than two and a half hours per day that I could work without compromising my health, physical and mental. This doesn’t account for clubs or sports. This doesn’t account for doctor and therapy appointments. This doesn’t account for chores and upkeep in your place of dwelling. Add those in and you have to start taking time out of either your classes, your studies, or your personal upkeep just to break even.

My university requires 120 credits divided among 4 categories to graduate. To graduate “on time” (in 8 terms, no summer classes) you have to take an average of 15 credits per term. So either you bust your ass taking 17-18 credit terms because the classes you need are all only being offered in fall term or you take 12-13 credits per term to preserve your health and well-being and pay an extra $33,000+ per year to finish (and your financial aid gets cut off after ten terms!) because you will fail out of the university and never finish if you take more.

And this is all theoretical! Yes, the data is pulled from my real life experience, but there absolutely are days where my homework takes 2 or 3 times as long instead of 1.5. There are absolutely 4 credit classes that say you should spend 12 hours outside of class on it but in reality demand 20-30 (looking at you comp. sci. department...). There are sick days and days your car breaks down and now you’re not only keeping up with your studies but also catching up on what you missed and arranging time outside of class to make up the quiz you couldn’t take and days when emergencies happen and you have to prioritize those at the expense of your grades and oops now you have to retake a class. These numbers are best case scenarios.

Time management my ass.

Edit: You know what! No! I am not done!

This is why I will scream and shout and rave and rant until I lose my voice and then I’ll plaster it everywhere people could possibly see it until every possible resource I have is exhausted that schools are systematically built in a way that disadvantages disabled students.

I get accommodations. A lot of kids don’t. We are still both spending more time than we have trying to get an education at an institution that tells us we aren’t working hard enough to solve an impossible task.

Accommodations don’t give us more time in a day, more time in a week, more time in a term, whether we get them or not. No amount of deadline extensions and extra time on tests and special testing environments will give us enough time to live.

No amount of accommodations will give us enough time to live.

imma keep it real with you chief. sometimes university workloads are just fucking unreasonable and unfeasible unless you’re not mentally ill or you’re someone who’s able to be On™ and productive 24/7 (which is like.. no one??) and no amount of “you need to learn time management skills because this is what it’s like in the real world” is gonna change that

[petty-revenge-stories]

Accuse me of not working my full 40, we'll see about that.

warning: long story: tl;dr at the end.

My job received some dramatic changes with the labor law changes from late last year. While it's not technically law right now, my company is enforcing our policy to test the waters and see how it works for us. Basically this means, I can only work 40 hours a week. No overtime approval is available. Any days we work over 8 hours we have to use compensated time (comp time) to even it out. To help maintain office coverage we have meetings to plan our comp time.

To clarify, we can only use our comp time only on Tuesdays, Wednesdays, and Thursdays since we need a full staff on Monday and Fridays to assist our sales team. Also we can't use it to come in late or leave early. So basically we're left with taking long lunches (2.5-3 hours sometimes) right in the middle of the work day. But randomly, they'll give us full days off when we work 6:30-7 hours on a weekend (which is nice, but this also is creating productivity problems). The staff who are a part of this have grown very frustrated because these long lunches are interfering with our work, meetings, appointments, and for the commuting staff they have to sit in their office for a long period of time and do nothing. Finally after a few months of this ineffective system, we told our CEO that we need to discuss some changes we think would make this better for everyone. He meets with our Exec Team and they agreed to attend our comp meeting to discuss things.

So, this Monday we all walk into the meeting with some level of hope. At the very least we'll be heard and be able to say that we'd like to be able to come in a little late or leave a little early when things are slower. Our CEO explains his view on comp time and then a co-worker of mine explains how it isn't working for us and it's causing problems. Now our CEO is normally a chill guy, but he used an angry and defensive tone I've never seen before and went on a 15 minute rant about comp time. His rant included:

We're professionals and should act like it...

But people have mis-used comp time (none of us have ever been disciplined for comp use?).

We want things to be flexible because we know you work hard...

But now someone will be planning your comp time for you (what?!).

Your 8-5 is my time...

But still extend your lunch hours in the middle of the work day.

Basically, I want you to think I trust you and that you're professionals, but really I want control over your time instead of letting you figure it out like adults.

After his rant (visibly angry) he looked at me and said I looked like I had something to say. I said his points contradict each other and that I still don't agree with his logic. This triggered one of the other Exec members who went into a screechy rant about how we don't work our full forty hours every week, we're unreliable on the clock (again none of us have ever been disciplined for any of these claims), and that we're wrong and putting this on ourselves. You could've heard a pin drop. The room was red hot at this point. All of us work our 40 (and usually then some off the books because we care about our customers). The CEO said a few words and we disassembled for the day to "Go home and think about things and we'll discuss them again later."

I go home and hatch my petty revenge. I worked 6 1/2 hours on Sunday, but they gave me the whole day off on Wednesday. Wednesday morning I wake up, shower, get a nice clean shave, dress in my best suit, and head into the office.I walk into my office and no one notices right away. I start working, responding to emails, submitting a few projects, the usual. After about thirty minutes our secretary (who controls the comp calendar) rushes to my office and asks what I'm doing here, that I have the whole day off. I just smile a big dumb grin and say, "Oh, well I only worked 6 1/2 hours on Sunday so I didn't feel like I deserved the whole day. I thought I'd come in for an hour and half to finish some work. Now if you'll excuse me I need to make a phone call." She stares at me for a second and gives me this look of "WTF?" Shortly after I hear whispering across the office and our CEO comes to my office and starts talking about normal work stuff. I smile and agree to do everything he asks, but say I'll likely have to do it tomorrow since I'm only in for an hour and a half today. The guilt of me being there is easily seen across his face. Now our CEO is taking everyone out to lunch later next week (maybe feeling a little bad? Or maybe it's my surprise farewell party?)

Now, the unseen cherry of all this is the Exec Member who had the screechy rant. When my grueling 1.5 hr shift was coming to a close I hear crying coming from her office. Our CEO rushes past my door and into her office where I hear the door close and more whispers. Now I can't be certain it was me (I didn't intend to), but I think my being there was enough to make her realize how rude and unprofessional she had been to everyone in our meeting. Again, not my intention, but if she learned how her poor leadership was affecting her team it was a small bonus. She's lost a lot of respect and I hope she works to gain it back.

At 9:30 AM I smiled and told everyone to have a nice day. As I strolled out I got some thumbs up from other co-workers affected by that meeting. While I know I didn't do much, it was petty, made a point, and felt so good to stand my ground.

TL;DR: Accused of not working my full forty, contradictory comp time messages, so I just showed up for work and was extra kind to everyone for a 1.5 shift I wasn't supposed to work. #killthemwithkindness

(source) (story by InFiBigDaddy1134)

[samuelfields]

A Severance Negotiation Success Story For Parents Looking To Leave Work

The #1 thing I recommend for anybody who aspires to retire early is to negotiate a severance. If you are planning on quitting anyway, there is no downside.

Every time I hear of someone quitting their job, I’m happy for them. But at the same time, I also liken it to a baby panda dying in the woods. Leaving so much potential money on the table is a travesty because of ignorance, fear of confrontation, or not knowing your worth. I want to change this.

I’m pleased to announce the 3rd edition of How To Engineer Your Layoff is now live! The book first went into production in 2012 after I engineered my own layoff from the finance world at age 34. Negotiating a severance package was my #1 enabler for retiring early.

Over the past six months, my wife has been diligently editing, updating, and adding to the book after our little one goes to bed. we’ve taken in all the feedback readers have provided since the 2nd edition was released in 2017 and made the book even better.

Here’s a summary of what’s new:

1) The third edition expands the ebook from 150 to over 180 pages. We’ve added three new chapters bringing the ebook’s total to 20 chapters. In addition, we’ve added a useful worksheet and checklist to go through to help guide you step-by-step through the severance negotiation process.

2) Thanks to continuous feedback from readers, we’ve been able to add new real-life case studies in the third edition to demonstrate just how beneficial it can be to negotiate a severance.

3) The third edition also brings in recent data, revised facts and figures, new charts and graphics, and an expanded featured posts section to help you learn more. We’ve also added helpful information on employment news, unemployment resources, market trends, and more.

To help celebrate the launch of the third edition, one of our readers, Mike, wanted to share his story of how negotiating a severance changed his family’s life for the better. His is a case study for working parents who want to be stay at home parents.

I’ve also created a $20 discount code “getlaidoff” for anybody interested.

A Severance Negotiation Success Story

Sam’s book, How To Engineer Your Layoff: Make A Small Fortune By Saying Goodbye, is a must buy for anybody looking to negotiate a severance, retire early, or simply do something else with their life. In our case, it was for my wife to spend more time with our two kids.

My name is Mike and I am pretty much you’re average American. I am married with two kids and a house in the suburbs. My wife, Maureen, is level headed, calm and non-confrontational.

While that works for our marriage as we rarely get into meaningful disagreements, I believe those qualities hurt her compensation at work.

Throughout the eight-year tenure at her current company, I have often had to push her to speak up and advocate for herself. After all, if you won’t stand up for yourself, you cannot expect others to.

While it has taken some gentle coaxing and sometimes a little pressure, each time she has taken my advice to speak up for herself, it has paid off.

This is a story of encouraging everyone to alway speak up and ask for what you want.

Always Ask For What You Want

Situation #1: Asking for a raise after completing a rotation program

Maureen began working at Company X, which is publicly traded, about eight years ago. She was in the company’s rotation program. The rotation program is comprised of three separate one-year stints in different departments of the Finance Division.

While in the program, Maureen received excellent reviews at all three of her positions and upon completion, she was placed in a highly visible department with high expectations and a significant workload.

When discussing her new role, I was adamant that she needed to be compensated properly, and based on her excellent reviews, she had the leverage and performance to justify a significant salary increase.

After a few conversations, Maureen agreed to speak up and scheduled a meeting with her boss. In the meeting Maureen asked for a salary commensurate with her new position and not just the token annual increase that comes with her review. She was able to point to her work experience and the commendation she had received from her prior bosses.

Result: Maureen received 90% of the increase she asked for and in her annual review, also began to receive equity options in the Company on a rolling, three-year vesting schedule.

Situation #2: Going From Full-time to Part-time

In December of 2015, we had our first child. After taking a twelve-week maternity leave, Maureen returned to work. As stated, her job was demanding with ten to twelve hour days being commonplace.

My job, as an energy trader also had long days, irregular hours as well as weekend work, not to mention a heinous commute. Despite these factors, we tried both working full time for a couple of months.

The result was a horrible quality of life. We had no time for leisure or for each other. Further, there was high stress on my mother as the baby’s primary babysitter and caretaker.

Convinced we could no longer go on like this, I told Maureen that she should meet with her boss and tell him that she either needed to immediately transition to part-time employment or she had to quit. Initially, Maureen was skeptical. Not only did no one in her group work part-time, but most people also worked 50+ hours a week.

However, my argument was that we really had nothing to lose by her requesting this change, as the current situation was unsustainable. Again, after taking some time to consider my suggestion, Maureen met with her boss and explained that it was part-time or bust.

Result: After a week to consider her request as “they have never done this before,” Maureen was granted a part-time position and started working 8:30 AM – 12:30 PM, five days a week. It changed everyone’s lives for the better, especially my daughter’s who could now spend more time with her mother and now Maureen has been a part-time worker for almost 2.5 years.

Additionally, while Maureen’s salary was cut in half, it was almost like found money as we were ready to forego her entire paycheck. This found money was only supplemented through more equity vesting, options granted, 401k matches and service time accrued.

Situation #3: Receiving A Severance & All Her Equity

Maureen got pregnant with our second child in February of 2018. We had always planned for her to stop working, at least for a while, when our second child was born. We felt like this would make the most sense for us as the cost of daycare becomes very expensive when you get to two kids, especially as Maureen was now only working part-time anyway.

Like many of you, I have been an avid reader of Financial Samurai for years now. I knew that Sam was an expert in negotiating a severance and ‘engineering a layoff.’ I read all the articles he posted on this topic and showed them to my wife, encouraging her to try and do the same.

She said I was crazy, yadda, yadda, yadda and that her situation was completely different. Well that all changed when her company was acquired during the summer of 2018. With such a large acquisition there was certain to be layoffs, especially in a support function like my wife’s.

As she began to read the tea leaves at work as more information about the transaction was signaled, disseminated and gossiped about on a daily basis, I took it upon myself to contact Sam.

After engaging Sam as a consultant, he and I spoke and went through the entire situation (as well as everything else in my ‘financial life’). Sam was able to give me some good advice, such as expertise on things like WARN Act pay and protected classes.

But most importantly, Sam knew how to stage the discussions Maureen was to have with her boss to optimize her benefits. Maureen more or less stuck to the plan he outlined and we are very happy with the outcome.

Result: Maureen not only received WARN Act pay and the vesting of ALL her equity options ($40,000 value), she also received a severance of 15 weeks worth of pay! In fact, Maureen was actually able to procure a letter from the HR department stating that she would get severance, including for those years, on a pro-rated scale, in which she worked part-time.

We are over the moon, and this result is by far better than what we had hoped for. Before reading How To Engineer Your Layoff, we thought there was little-to-no chance she’d be able to get any of her equity options, let alone a severance worth 15 weeks of pay on top of three months of WARN Act pay.

The overall severance package was worth over $85,000. If we had not bought Sam’s book, my wife would have just quit.

Always Negotiate Your Freedom

The bottom line is that purchasing Sam’s book was money well spent, literally times a thousand. Not only did I learn a lot and get great guidance, but it forced my wife to be proactive as I could say to her, “Maureen, I spent good money on getting this advice. You have to talk to your boss before you go out on maternity.”

Engaging Sam was kind of my version of speaking up and advocating for myself. Like all the situations described earlier, I am happy with the results and it reinforces the idea that no one is a better champion for yourself than you.

As Sam says, “never quit, get laid off instead.” How To Engineer Your Layoff is a must read for anybody looking to leave their job with a nice financial runway. The first five years of a kid’s life goes quick. It’s great to make the most of these years.

Regards,

Mike

Readers, why do people fear speaking up for what they think they deserve at work? If you are willing to quit work, why wouldn’t yout at least try to negotiate a severance? Don’t forget to use the temporary “getlaidoff” code for $20 off of you plan to buy the book.

The post A Severance Negotiation Success Story For Parents Looking To Leave Work appeared first on Financial Samurai.

from Finance https://www.financialsamurai.com/a-severance-negotiation-success-story-for-parents-looking-to-leave-work/ via http://www.rssmix.com/

[ronaldmrashid]

Perhaps Bribing For Admissions Starts In Preschool

March 12, 2019 is a day I’ll never forget. Not only did the college admissions bribery scandal break that morning, we found out our boy got waitlisted by two preschools. Waitlisted is really just a euphemism for rejected.

The first preschool was a Mandarin immersion preschool I’ll call PooPoo about 20-25 minutes away. We had to go for an initial one hour tour, then a 30 minute parent interview with the admissions director who was hacking up a lung that day, and then a final play date interview along with 11 other kids and parents.

It was an arduous process that we found unappealing, especially given the commute. During our application process, the school canceled its 4-day a week part-time program in favor of only 5 full days a week. We found this to be too much for a 2.5 year old.

The school seemed like it was being run more like a business first, and a school second with its massive $1 million fund raising banner in the entrance and its decision to go 5 days a week in order to charge their full $31,240 a year in tuition.

Given these issues, we were not disappointed when PooPoo waitlisted our boy. We had already decided he wouldn’t attend. Spending $31,240 a year on tuition for a 2.5 year old felt extremely unnecessary. I speak Mandarin and we could use the money to live in Taiwan for a summer instead.

The second school we applied to I’ll call PeePee; it’s about a 15-18 minute drive away. We liked the school because it had a two day a week program that runs from 9:30am – 12:30pm for $8,500 a year. We thought this was a more appropriate transition for a young toddler first experiencing a school setting.

The only problem with the school is that it’s not very racially or socioeconomically diverse. Further, 11 of the 12 available spots for this upcoming preschool year for 2-3-year-olds were already preassigned for siblings. This ensured further homogeneity.

The Executive Director personally reached out over e-mail and told me that 80 people applied for the one open non-sibling position, which meant that they only had a 1.25% acceptance rate.

Given we had no connections to the school, don’t look like the majority of parents, don’t have any status since we didn’t tell them we run this site, didn’t donate any money, and learned the application numbers, we weren’t surprised about the rejection, just a little disappointed.

Bribes Might Start As Early As Preschool

I wasn’t told the application statistics by PooPoo because they didn’t personally reach out like PeePee. They basically sent a blast waitlist/rejection e-mail. But, I’ve got to imagine the application statistics are similarly dire.

1.25% would be the lowest college admissions rate by far in the country. If parents were willing to spend $250,000 – $400,000 on average to get their kids into colleges like USC with a 17% acceptance rate, it makes me wonder what parents would do to try and get them into the most hoity toity of preschools.

The parents sending their kids to the two schools we got rejected from have very similar racial and economic profiles as the 33 parents who’ve so far been caught by the FBI. I spoke to many of them during our interview process and learned their backgrounds: bankers, techies, entrepreneurs, venture capitalists, executives, lawyers, doctors, etc. Preschool could very well be where this entire bribery culture starts.

But then I started to think things through because unlike the college admissions bribery scandal, there aren’t any tests to manipulate or rowing coaches to illegally bribe.

Instead, you just basically contact the admissions director and tell them you are willing to donate a large sum of money to the school for expansion or educational purposes and would like to be a part of the community. You must reach out because preschool is ground zero. That, or the school knows who you are and recruits your family.

With a 1.25% acceptance rate at PooPoo, you’d think I wouldn’t know anyone who sent their kids there. But in reality, I know several parents whose kids went there and they are all extremely wealthy. Donating $100,000 – $200,000 for their kid to play with wooden blocks would mean nothing to them. I didn’t bother to ask them for a recommendation because I don’t know these parents well enough nor did I care enough.

Legal bribery in the form of quid-pro-quo donations has always been around and looks like it’ll always be around.

Also, I realized that because wealthy people can more easily afford to have multiple kids in expensive cities like SF, NYC, LA, Boston, and Washington D.C., the elite institutions starting from preschool through college will continue to be geared towards the wealthiest people in America who mostly look the same.

For those who don’t know, younger siblings basically get preferential admission into the preschool, elementary school, middle school, or high school their brothers or sisters attend, so long as they aren’t a screw up or they meet a minimum academic standard. The preferential treatment gets less with each schooling level, but it’s there, even in college.

Legacy admissions is the biggest affirmative action policy of them all.

But I understand the sibling preferential admissions policy because you want to maintain continuity in the family. The school has also built a relationship with the family and it would be extremely awkward to reject a sibling. But such rejections do happen.

However due to the nature of homophily, people of a certain class and race tend to hang out and support each other. We know that all parents want the best for their kids, so I don’t blame these schools for accepting the same types of children year after year.

Don’t Worry About Us

Although we got rejected by two schools, we got accepted by one I’ll call WheeWhee! A 33% hit rate ain’t too shabby.

The school we got accepted to came highly recommended from my wife’s ex-coworker and one of my tennis students at the high school I currently coach at. It was the first school we visited and applied to a year and a half ago.

What’s great about the school is that it’s diverse, not rigid, super friendly, and is only a five minute drive away. The short commute really is a blessing.

Having to drive to the other two schools made me feel like I was driving to work. With WheeWhee, it feels like I’m just going down the hill to my neighborhood grocery story for a bagel.

The tuition at WheeWhee is not cheap at $1,800 a month for five full days a week. But we have the option of going half days each day or three days a week for $1,400 a month. Further, we can go month-to-month if we decide to go on an extended vacation in the future.

The admissions director told us they get on average 200 – 260 applications a year for 12 spots. Only three of the spots are reserved for siblings. An acceptance rate of 3.5% – 4.5% is still quite low.

Our lucky break for getting in was when we started to get to know one of the teachers randomly at the California Academy of Sciences where we take our son three times a week. We started bumping into him at least every week for at least a year. As a result, he felt comfortable recommending us to the admissions director.

We’ve now got a decision to make.

Do we put down a deposit for the spot or give it up so we can remain free to relocate. We aren’t entirely sold on the necessity of putting our son in preschool before three years old since we are both full-time parents. We also might end up in Honolulu and send him to preschool there if the summer works out well.

We’ll probably put down the deposit and ask for a refund if we change our mind. They won’t have trouble filling the spot anyway with over 200 applicants a year. Besides, the school year starts in August, so we’d have at least two months in Hawaii before having to come back.

The preschool application process requires you to be on the ball. Given the amount of demand, any missed deadline will eliminate your chances of getting in.

You’ve got to interview well, write a comprehensive application, and consistently show your interest by attending events and following up. Even if you do everything right, the chance of admission is still low in many big cities.

But don’t worry too much. Every kid will get in somewhere if they apply to enough places. Some spots open up randomly throughout the year as well. It might not be the ideal school, but so long as the children are loved and kept safe, that’s all that really matters.

It’s just preschool after all!

Related:

Navigating The Preschool Admissions Process

Perpetual Failure Is Why I Continue To Save And Invest So Much

Readers, do you think there’s a lot of legal bribing at the “prestigious” preschools in your city? Why do people care so much about where their child goes to preschool so long as they are safe and learning? Is there any more educational research you would like me to do and write about?

The post Perhaps Bribing For Admissions Starts In Preschool appeared first on Financial Samurai.

from https://www.financialsamurai.com/perhaps-admissions-bribing-starts-in-preschool/

[iintotheocean-blog]

Swimming in an ocean

I feel paralyzed by change and choice. It seems like I’m stuck, but really there is just so much to choose from. 

I graduated last month and started full time at my new gig. I’m raking in so much money now that I can finally pay off my debts and afford to live on my own. I even have money to buy things I want! I got a new monitor, some network gear, some clothes, and of course gifts for all of my friends.

I have a girlfriend now, too. Val. She’s a pretty cool girl. She’s my best friend’s wife’s best friend, so that’s cool. She’s into weed and memes and enjoys plenty of the things I enjoy. She obviously cares a lot about me, and goes out of her way to make me happy. The sex life gets better every time I see her as we learn each others’ bodies and become more comfortable.

The thing is... Since I’m being honest here... I’m still on the fence. Granted, I’m leaning a lot more towards just sticking with it and seeing where it goes. However, I can’t help but to feel like I’m settling. There is absolutely NOTHING wrong with Val. She’s incredible. But, I still can’t get Kaylee out of my mind. She and I talk all of the time and every time we do, we just fucking click. We click so well and just go forever. We get each other. We would be great together. Her and her boyfriend broke up after graduation, and we have been talking a lot since. I saw her last weekend for Margaritas and we spent 2.5 hours talking. I could have easily spent another 2-3 with her, but I didn’t want Kyle to get suspicious. :/ She even made me the cutest little triceratops crochet as a gift. I love it.

The thing is, Kaylee lives far away. And she has a son. So, she’s anchored. She’s anchored hard, which means I’d have to move down there if there was to be any hope for us. But, I can’t do it. I have a good thing going on up here, and I’m not giving it up for something that MIGHT work out. I’m not making these mistakes again. No. For now, we will stick with what we have and ride it out.

I know this sounds shallow, and honestly this whole post is kind of gross, but I’m excited that Val is losing weight. I mean, she’s not fat. However, she’s pretty close to where Amanda was when we got together and I’m just not really a fan of the body type. It’s O.K., but I would be ALL over her if she was thinner... I’ve never been with a small girl despite that being my type, so I think that is also something that’s bothering me. Maybe starting a relationship in long distance has something to do with my being on the fence.

I’m being a fucking asshole by saying all of this. I hope this blog is never discovered by those close to me. But I have to vent this somehow and this is the sort of shit I would rather spit out into the void than discuss with someone.

So, in other news. I’m off both adderall and zoloft. The only reason is because I’m no longer a student so I had to get my own insurance. It just kicked in last week, so I suppose I should go look for a doctor. I’m not going to lie, I’ve been noticing a decline in my attitude over the last couple of weeks. I went through almost a month of brain zaps since I couldn’t taper off. :/ I just don’t want to spend the money. I’m still in saving mode, even if I’ve been buying a few things here and there. 

I am, however, looking for an apartment. That is what I am saving for. I put together a short list of places to go look at. I should go look at them tomorrow, and I probably will if I get the will to actually get the fuck up off my ass and drive. I’ve left the house once in the last 3 days lol. I really want to, but I’m still trapped in my current lease. I’m waiting for someone to take over, otherwise that’s $640/month that’s going down the tubes. I’ve been getting pressured to both get an apartment and not get an apartment. It’s getting annoying, and now with all of these internet issues and with a hammer breaking my windshield a couple of weeks ago, I’m getting sick of living at home and commuting. It’s stressing me the fuck out. So, I’m going to go tomorrow and hopefully I can move into a new place in the next few weeks.

[running-for-a-cause]

End of Week Update: 8 Weeks Until Australia!

This week saw my longest training run to-date, runner’s foot, a trip to the mountains, and a total massacre!

For The Wilderness Society, we’re at $679 AUD (approx. $510 USD) to support the preservation of the Australian wilderness and to protect Australia’s many unique, indigenous, vulnerable and endangered species.

Despite the running injury, Monday started off right with a nice long 21-miler for Memorial Day. This was my longest training run to-date! I’ll be breaking that record soon enough though as I’ll up it to 22 miles in the near future. For the 21-mile run I ran from Oceanside to Escondido at a 7:25/mi pace. The run started off nice with an overcast morning keeping things cool, but in the last hour the sun decided to say ‘hello’ and brought with it some unwelcomed heat. The route itself had a nice gradual incline as I moved inland, with a total elevation gain of 1,000ft.

After arriving in Escondido at Kit Carson Park, I rested briefly before doing a short and easy 1-mile shake out run (at an 8:45/mi pace). This brought me to North County Mall where I feasted with my roommate at Cheesecake Factory and Cinnaholic (delicious custom cinnamon rolls).

Later that evening I joined the North Country Runners for a short 5k run at a 7:14/mi pace. Total Monday mileage was 25.1 miles!

Tuesday morning I took a detour on my commute to LA for a 4.1-mile run along the Santa Monica boardwalk (at a 7:26/mi pace), finishing at the small amusement park on the pier. Unfortunately, it was still early morning and the park hadn’t yet opened, so I wasn’t able to enjoy any of the rides, but that didn’t stop me from snapping a quick picture!

Wednesday was a rest day, and also packing day, as Thursday morning I would be flying out bright and early for my first Ragnar Relay in Utah, the Ragnar Wasatch Back – the location of the very first Ragnar originated back in 2004! It’s very fortuitous that my first Ragnar would be at the location of the first ever Ragnar, as the series as now grown to span across the United States.

The Ragnar Relay races are a 200’ish mile relay completed by teams of 6 or 12 runners. They’re known for being pretty intense as each runner has to complete 3 separate legs over the course of a 24-hour period with little to no sleep.

I’d been recruited several months ago by the captain for the Flying Tortoise Squad team, and was honored to be given the 12th position of our 12 runner team, meaning I would be the one who would cross the finish line for the team. What an honor for my first Ragnar!

Thursday morning I arrived in Salt Lake City first thing in the morning, where I checked into my hotel and worked remotely for the day. That evening I got in my first acclimation / shake out run. Since Salt Lake City sits about 4,000 feet higher than what I’m used to (Oceanside is near sea-level), I started off a bit winded. Thankfully I was able to get into my groove within the first half-mile, but I wasn’t able to fully adapt as each subsequent run in Utah started off with a similar ramp-up period, albeit they were at much higher elevations of 6,000+ feet.

For my Thursday evening acclimation and shake out, I ran 4.5 miles at a 7:13/mi pace.

Friday morning was race day, but I squeezed in another acclimation run early in the morning, running 2.3 miles at a 7:30/mi pace.

Then it was time to meet the team!

The members of Van 2 (each 12 person team is split into two vans depending on which half of the race you’re running) picked me up from my hotel, and we headed north to Logan, Utah, where we would begin our portion of the race.

For a quick explanation of Ragnar logistics, Van 1 carries runners 1-6, while Van 2 carries runners 7-12. The two vans only intersect at major exchanges, so their paths only cross a handful of times. You predominately spend your time with the people in your own van, who you essentially live with for the entirety of the race.

The race is then split into 36 separate legs, and each runner completes 3 legs in rotation based on their starting position. For example, I was the 12th position, so I was designated legs 12, 24, and 36. During the race runners will pass a baton (a slap bracelet) to the next runner at each exchange point, as the team completes the full 200’ish mile course.

Together, with the members of Van 2, we arrived at Exchange 6 in the mid-afternoon where we awaited Runner 6 from Van 1. The time was spent relaxing and getting to know one another as many of us had never met prior (though I was the only runner from out-of-state).

Once Runner 6 arrived, Van 2 began its rotation, as we’d follow our current runner to each exchange to swap out for the next. By 7PM, I was up, and after a good stretch and warm-up I was ready for my leg which was classified as “We Hope You Know What You're Getting Yourself Into”.

As Runner 11 rounded the corner to the exchange point, I took the baton and began my run of Leg 12. Spanning 7.2 miles with a total elevation gain of 1,752ft, it was brutal, but thankfully I’ve done quite a bit of hill training to prepare my body for these exact conditions. Well, maybe not “exact”….

The first 2-3 miles was all uphill. I passed a few runners here, which in Ragnar terms is referred to as a ‘kill’. Ragnarians often times count their kills and tally them on the sides of their vans. Vans are also decorated with all sorts of other fun things such as art, slogans, team names, etc.

After the initial stretch of uphill, there was a nice 1-mile downhill slope, which is where I got passed (killed) by another runner. This was the one and only time I got killed during the entire race, and had I known that would have been the case, I might have pushed a bit harder on the final 3 miles of uphill to re-pass that runner. That being said, the runner who killed me did comment on how I had been a monster on the initial hill and that he had been using me to pace, which is definitely flattering!

In the end, I completed my first leg of 7.2 miles in 1hr 1m 54s at an 8:32/mi pace. Total Ragnar kills was 5, and I was killed once. Combined with my morning shake out, total Friday mileage was 9.5 miles.

Once I passed the baton off to Runner 1 (our team captain), Van 2 had a bit of a break and lounged for a couple hours in the warmth of Snowbasin Ski Resort before heading out to begin our night legs.

I must say, by the way, that Utah is quite cold at night, which was a bit unexpected after the day’s heat. Nighttime temperatures were in the low 40’s, and my Southern California butt was freezing!

Now, my next leg was initially supposed to occur at sunrise, however, one of my teammates had become a bit ill after her first leg and we needed someone to step-in for her night run. I was up!

At 3:30AM Saturday morning, I was running through the dark wild of Leg 22, with a beautiful starlit backdrop to guide and inspire me as I ran the 5.9-mile downhill course.

Along the way I spotted two caribou crossing the road before me and a shooting star off in the night sky. This was a peaceful and serene run with only a handful of runners and vans to occasionally disrupt the tranquil experience.

With the fast downhill (nearly 1,000ft of elevation loss), I was able to move quickly, completing the 5.9-mile downhill in 40m 13s at a 6:46/mi pace. Total Ragnar kills was 6, and I wasn’t killed at all.

After passing the baton to Runner 11, I had about 90 minutes to relax before I was up again for my official second leg. And so, just after sunrise, I was up again for Leg 24. Fortunately this was my easy leg – a short 2.2-mile stretch of flat terrain. Being as it was so short, it didn’t leave me much room to score any kills, but I ran hard and racked up an impressive amount nonetheless!

I completed the 2.2-mile leg in 16m 34s at a 7:19/mi pace. Total Ragnar kills was another 6, and again, I wasn’t killed at all.

Once this rotation was complete and the baton was passed to Runner 1, our van was able to get some much needed rest. We checked into a hotel near the next major exchange where we all shared a large 6-person room. There, we took turns showering before taking advantage of the free continental breakfast in the lobby. I feasted like a king! Then we all took a short nap before getting up a couple hours later to begin our final legs.

As I watched the other runners of my van complete their final legs, I’ll admit, I was a little envious. This was the downside to being the 12th position – I had to watch everyone else finish their legs and begin to relax while I still had my final leg looming over me. And my final leg was going to be a doozy!

Come mid-afternoon I was finally up, for my last and final leg, Leg 36. This leg was classified as “Very Hard” as it was 7.1 miles with a near-900ft climb.

By this point in the race, runners from every team were feeling the fatigue. For me personally, I was already 15.3 miles into the race with less than 2.5 hours of sleep in the 24 hours prior. Not to mention, my first leg was extremely difficult and I’d picked up the extra leg for my sick teammate. I was in for a beating!

Leg 36 started with about 2.5 miles of flat terrain before entering the 3 miles of uphill stretch. For the first mile or so of the uphill I was able to keep running (while most everyone else was walking), before my body finally started to give and I, myself, had to walk for a brief portion as well.

But I walked with purpose! Charging uphill at a quick pace and still passing other runners. Once I’d caught my breath, I began running again. I ended up walking 3 times over the course of the uphill stretch, before finally reaching the apex and begin the downhill dash to the finish.

The last ~2 miles were a fast and winding downhill trail run with steep banks and turns. It was an enjoyable change of pace, one that I was well prepared for after having completed several trail running events prior.

As I continued down the final stretches to the finish, I could see my entire team (both Van 1 and 2) waiting for me just before the finish line. They stood together, forming a tunnel with their arms and cheering me home. It was a truly unforgettable experience! It made all the hard work and exhaustion worthwhile.

Crossing that finish line and bringing home the win for the team, I completed the final 7.1-mile leg in 59m 15s at an 8:15/mi pace. Total Ragnar kills was a whopping 25, and I wasn’t killed at all!

Our team, the Flying Tortoise Squad, had a total finish time of 31hr 27m 41.2 seconds for the beautiful and brutal 181.3 mile course from Logan to Midway, Utah. Together, we placed 66th out of more than 200 teams!

I’m very grateful to have been blessed with such an amazing team for my first Ragnar. They made it a memorable one!

Oh, and my final Ragnar kill count for the 4 legs I ran? 42 kills! What a bloodbath! And I was only killed once, in that very first leg (*grumbles*).

Total Saturday mileage was 15.2 miles. Total Ragnar mileage was 22.4 miles.

I passed out pretty quickly Saturday night upon return to my hotel, and while I had initially planned to get in an easy run Sunday morning, my body said otherwise, and I instead relaxed at the hotel until it was time to head to the airport and return home to San Diego.

Total mileage for the week was 58.6 miles.

This was an intense week, but I pushed through and I know I’m stronger for it. Australia here I come!

[drthasanjohnson]

“Let me tell you something. A man ain’t a goddamn ax. Chopping, hacking, busting every goddamn minute of the day. Things get to him. Things he can’t chop down because they’re inside.” ― Toni Morrison, Beloved (1987)

I have known pissed off Black men all my life. The permanent scowl I saw them wear taught me much, but it wasn’t until young adulthood that I found out the plethora of reasons why they–no, we–wore it. In a short period of time between the 1960s and 1970s, the following policies became ensconced in law, dramatically changing reality for Black males nationally.

Female-centered Welfare (eg. “Man in the House” Rule),

Female-centered Family Court policy (eg. No Fault divorce)

Female-centered Birth control,

Female-centered Title IX,

Female-centered need-based financial aid (eg. Pell Grants),

Black Female-centered Affirmative Action hiring,

Black Female-centered media

These practices accomplished at least two things that impacted Black male/female relations: First, it created what would become a multi-generational sense of entitlement among many Black women who soon forgot that such allowances allowed them opportunities Black men did not get. This lead to a sense that Black men were failures who could not “keep up” with Black women’s state-supported academic and employment accomplishments, buoyed by a new media industry that centered Black women while it simultaneously discredited Black men as stereotypical deadbeat dads, criminals, abusers, and rapists. In other words, this media entrenched the misandrist notion that Black women were fundamentally better than their men, a notion that soon became accepted-wisdom—even in the mainstream.

Secondly, it created the conditions that spawned an uncoordinated, silent protest among many Black men whose decision-making capacity in families was reduced and made subject to women’s fancies. Hence, alongside anti-Black male hyper-incarceration, the War on Drugs & intra-racial homicide, post de-industrial mass unemployment, and a diminished kindergarten-through-graduate-school education due to a female-administered (gynocentric) pedagogy, Black men found themselves prisoner to their own biology in ways women were newly liberated from in the 1960s. Even contemporarily, if a man has an unwanted impregnation, people suggest he should’ve “kept it in his pants,” despite the fact that women have 5 major birth control options in about 30 different forms (hormonal methods, barrier methods, intra-uterine devices, natural methods, and emergency contraception) that apply before, during, and after the sex act seems irrelevant to most. Meanwhile, what do men have? Condoms, vasectomies, and abstinence. In 2018. Yes, you read that right.

Especially after the sexual revolution, (poor) Black men found themselves prisoners to families they may not have even wanted, only to be described by women as deadbeats (especially by those they may not have wanted to become lifelong partners with). But how many have seen this for what it was? A silent protest. The new political climate demanded new relationship-strategies for a relatively poor population of men, as many of these policies were designed for wealth(ier) white men, not a population impoverished and blocked from wealth since slavery. Yet to many women, these practices were viewed as “juvenile” or “fearful of commitment,” but rarely as a response to a new social context that often proved devastating to Black men’s quality of life. Besides, how do you tell a child that you never wanted them in the first place, the mother knew this before sex, and although still expected to be a father against his will, he had other dreams? (Here, expectations that he “step up” hearken back to the era of men being coerced into marriages “shotgun” style.) Yet, as a grown man who has had women abort children I wanted while others threatened pregnancies I did not want, I cannot help but ask: how might this scenario have played out differently had there been a male birth control pill the same time women got such options?

Women were given sole-reproductive control over the production of family and men were removed from the decision-making process. There was no comparable birth control for men, thus leaving them vulnerable to both women and their own natural drive to inseminate, while liberating women from being subject to their biology and empowering her biological impulse to reproduce and nest, able to garner male support even when against his will.

Child support alone became a disastrous industry that bankrupted and incarcerated many poor Black men, punishing them for inter-generational poverty. For example, as Kirk E. Harris of The Guardian notes the story of James:

“Four years ago the state of Illinois suspended the driver’s license of James (not his real name) for failing to fully meet his child support obligations, which he was not earning enough to pay. Now, unable to drive to work, he lost his full-time welding job. He found a lower-paid job he could reach using Chicago’s patchy suburban public transport system, which makes commuting difficult for people in some of the city’s economically isolated and racially segregated communities.

Today, James’ wages are still insufficient to pay off his mounting arrears, so he remains barred from driving. Ironically, his lack of driving privileges makes it impossible for him to cast a net for a better-paying job that would allow him to meet these payments. That paradox illustrates the regressive, counterproductive policies I have encountered during two decades of working with low-income black fathers in Chicago. The vast majority of these men desperately want to be good fathers, but the system seems to punish them for even trying.”

These practices severely cripple Black men so that some risk their lives trying to escape it, as can be seen in the case of the slain Walter Scott. As Collier Meyerson observes in her article, “How Our Racist Child Support Laws Hurt Poor, Black Fathers the Most,”

“All noncustodial parents, the overwhelming majority of whom are men, are legally obligated to pay child support, but for those who are poor, it simply compounds their poverty. The racial wage gap shows that white men get paid an average of $21 dollars an hour while black men get paid an average of $15 an hour. Child support data isn’t collected by race, but given black men’s disadvantage in the workplace, it’s safe to presume they also disproportionately owe child support when they cannot afford it.

“Twenty percent of the people in this system shouldn’t be in there because they’re too poor,” says David J. Pate, an associate professor of social work at the University of Wisconsin, Milwaukee. “Those $10,000 or even $20,000 earners.” The government, according to Pate, is owed $115 billion in child support, but 70% of that money is owed by Americans who make less than $10,000 a year.”

Not quite a movement in the manner we’re accustomed (think Women’s Lib), Black men’s movement was a “vote with their feet” to leave formal socially-approved forms of relationships. Even men not incarcerated, unemployed, or “deadbeats” found themselves outside of the family for reasons they could not always control. After all, 70% of divorces are initiated by women, and around 70% of Black children are born to unwed mothers. Black men were/are socially-expected to meet unrealistic standards they often could not keep up with while being made subject to a newly formed, state-sanctioned, female-based patriarchy (gynarchy) that allowed child-bearing wives carte-blanche powers to exact revenge-based financial ruin at will… Some women used other forms of state-sanctioned anger, keeping their children away from Black fathers while using family courts to secure resources. To be clear, I do not argue that this scenario was always the case, merely to say there were few checks in place to prevent such acts of revenge from keeping fathers and children apart. And fathers getting custody over mothers is still a relatively unheard of endeavor.

Yet despite such a shift in African Americanity, many men proved that Black men were the most progressive men as fathers, lovers, and husbands. In fact, it could be argued that such changes only enhanced Black men’s progressiveness regarding gender roles in relationships and families because Black men implicitly understood alienation and oppression. Furthermore, it could also be argued that since the 1970s, becoming a stepfather to the biological children of your partner became the definition of being a “good Black man.”

As a child, this notion of “good man” was so ingrained in me that I could never imagine being married to a woman that did not already have children. 

“Debunking the Most Pervasive Myth About Black Fatherhood” By German Lopez

Nevertheless, journalist German Lopez states in his article, “Debunking the Most Pervasive Myth About Black Fatherhood,”

“Centers for Disease Control and Prevention data that showed 71.5 percent of black, non-Hispanic children in 2013 were born to unmarried women, compared with 29.3 percent of white, non-Hispanic children.”

“But as Josh Levs pointed out in his new book All In, 2.5 million of 4.2 million black fathers — or about 59.5 percent — live with their children. Levs’s numbers suggest that it’s not true, as the CDC figures suggests, that 71.5 percent of black dads are absent from their homes — but rather that many of them are simply unmarried.”

“And when black fathers do live with their children, they’re just as, if not more, likely to be involved in their kids’ everyday lives. Blow cited CDC data that showed black fathers are more likely than their white and Hispanic counterparts to feed, eat with, bathe, diaper, dress, play with, and read to their children on a daily basis.”

Still, whether Black men stayed with their families, left them, or became fathers to children that were not theirs, each was responding to–and grappling with–conditions structurally created, forcing them to start from precarious contexts to begin with. But what is my main point? Simple. Black men are human. And the most attacked and underdeveloped group in America. Yet despite this they find ways to redemptively serve families despite being overlooked while doing so and their protest was misframed as abandonment. Antonio Moore might best describe the alternative if people do not start to listen to Black males…

Yvette Carnell: “What happens if we don’t get better? What happens if people just keep making these erroneous assessments and agreeing with erroneous data and saying this is ok? What happens?”

Antonio Moore: “Let me be honest…I think eventually Black men are going to realize it and turn on everybody. Because what the system is built on is Black men not knowing that they live in a different life than everybody—including Black women. They’re living a life where they’re unemployed but expected to buy dates…they’re supposed to protect and provide like a man…they’re put in jail at rates we’ve never seen before. I was talking to an attorney they said that Black men should get together and claim refugee status with another country just to make a…political point that nobody cares.

…This chart came as a result of me realizing nobody had framed this thing according to gender. Which makes no sense (nobody…not [even] the DOJ), because once you frame it against gender then Black men realize [that] this is some horrible shit…and they might just like raise up on everybody. And when I say “raise up” I’m not talking about literally rioting in the street, I’m talking about like becoming real despondent. Become like really like “I’m not fucking with nothing…no marriage, no nothing, I’m out. Don’ nobody care, ain’t nobody trading nothing with me.” (Breaking Brown @ approximately 1hr 06min; https://www.youtube.com/watch?v=wxZWLnFRGFY)

“Why Was Black Generation X Fatherless?: A Brief Statement On Why Many Black Men “Left” The Family In The 1970s” by T. Hasan Johnson, Ph.D. “Let me tell you something. A man ain’t a goddamn ax. Chopping, hacking, busting every goddamn minute of the day.

[batchaoticcollectionnight-blog]

Olalla Washington Cheap car insurance quotes zip 98359

"Olalla Washington Cheap car insurance quotes zip 98359

Olalla Washington Cheap car insurance quotes zip 98359

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Where can I find ratings for the service of various insurance companies?

How much does the insurance pay for inconvenience fees?

I was in a wreck the other day and it was the person's fault who hit me. My car is totaled. She was fine and all i had was a cut and i went to the ER and they did xrays and they took out a piece of glass. Her insurance company is pretty good they already have me a rental car and they are buying me a new car and they are even giving me cash for maintenance costs and stuff I've done to my car in the past 6 months and then they said that they are paying inconvenience fees for having to go to the hospital. They have already paid for the xrays and the bills for the hospital so why are they giving me more money for this 'inconvenience fee' and how much will it be? Thanks

What health insurance am I eligible for?

I am currently 17 years old. I will be turning 18 in early November and my family does not have health insurance. I was wondering if I qualify for anything that will be able to get me low-cost braces or anything orthopedic. My family makes not that much money anf I am currwntly going to be a full-time college student. What insurance or health care would I qualify for? I have been needing braces for a while now and I am really self conscious about my teeth I hate to smile. Thank you on your help.

Factors that determine the price of insurance?

i would like to know how certain factors determine the price of insurance. 1) how does costs affect the price of insurance 2) how does amount of claims affect the price of insurance 3) how does risk levels affect the price of insurance 4) how does predictability of risk affect the price of insurance 5) how does return from investments affect the price of insurance 6) how does level of interest rates affect the price of insurance 7) how does profit margin affect the price of insurance 8) how does competition affect the price of insurance 9) how does goverment regulation affect the price of insurance

""Can anyone advise me on a good insurance company , young drivers?

im 17 and just got my pass plus certificate . i have a 1.2 litre 1999 fiat punto. i have been quoted 3500 on a tracker insurance policy and i think that's a ridiculous price ! has anyone got a good quote and want to tell what company they got it with

What is cheap auto insurance?

What is cheap auto insurance?

My insurance and how it'll go up in September?

I just received insurance. I am a brand new driver 18 in about thirty days. Just now bought myself a car and just now got insured on my Grandparent's insurance.Currently now, it's only $48 a month, but the insurance man said that it'll go up in September. It makes sense, considering that right now I'm only paying a part of the package. So I understand that. With me being a new driver, how much will this all go up? Are we talking about $150? I did not take driver's ed, but I am eligible for the Good Student discount. I know you can't tell me directly, because neither could he. It all changes. But can anyone give me maybe a ballpark? I'm female. Good student. New driver. Thank you!""

How much can I expect my insurance to be?

Alright, I'm seventeen, I'm looking at a 1992 Acura Legend L, I'll be on my parents insurance (three other cars: pickup, SUV, and muscle car; no crashes that I know of), I'm a great student (top tenth of my class). I have to contribute my share of the insurance so I was wondering how much that might end up being? Anything else you need to know?""

Auto Insurance Company?

How long dose it take for your insurance company to paid lost wages. Do they paid lost wages once a month or every two weeks,also in the state of michigan how much can you receive for lost wages.""

Car Insurance when selling Car?

Ok the situation is as follows: I am selling my car for a new one. I have asked my current insurer to transfer my policy to the new car which is fine. However I then questioned about temporarily insuring my old car under the policy and they wanted a ridiculous amount of money for a week - I also do not know how long it will take to sell the car. I questioned the amount and asked what customers generally do when they wish to keep an old car insured. I was told that I could drive my old car on a 3rd party basis as my policy going forward covers me fully comprehensive. I thought fantastic - but then I was shocked when I was told that if I drive the car it is insured 3rd party only but as soon as I park it up somewhere it is uninsured and could be towed away by the police. I have since read my policy document which claim that I can drive any other car 3rd party providing I do not own the car and that there is already insurance in place? Can anyone clarify the above or provide advice. I am so confused and unfortunately are unable to call my insurer back now or over the next couple days? Thanks in advance

How bad is insurance for a 17 year old with a stock 1979 datsun 280zx?

im buying my son a car soon and he found one stock average insurance cost? per month or annual

Can you have Medicaid and insurance?

I live in Nebraska and I am pregnant. My husband does have insurance with his employer, but it has a super high deductible. I think we would be eligible for Medicaid based on income. Can I have both insurance and Medicaid?""

What is the best private health insurance in California?

I am working at a company in California where there is no health insurance offered so I need to get private insurance. Any suggestions on any good private health insurance companies?

How do I find cheap and decent health insurance in Vermont?

I'm looking for health insurance that will be affordable (read under $100 a month) and have fairly decent coverage. Also I would very much like coverage that will start very soon after applying, the sooner the better. Any one have any suggestions?""

Approximately how much does malpractice insurance cost for a Psychiatrist?

Just wondering about the average annual, or monthly, cost for the insurance. If anyone has a specific number for the state of Florida, that would be much appreciated as well.""

Olalla Washington Cheap car insurance quotes zip 98359

Olalla Washington Cheap car insurance quotes zip 98359

Im looking for cheap or reasonalby priced auto insurance...can anyone give me any tips???

this is my first car and i need full coverage...somebody help me please!

Should I consider getting health insurance??

I am 22 and have no health insurance. I am a pretty healthy person and don't have to see the doctor often. I just think it's a waist of money to get health insurance unless it's for accidents or something like that because in order to get an affordable monthly premium then your deductible is going to be high. I may never reach the deductible, but still have to pay the premium. So should I just pay out of pocket when I do need to go to the doctor and just consider getting a high deductible plan or should I just go ahead and pay a higher monthly premium for a lower deductible. (Remember I don't have to see the doctor very often, I'm relatively healthy)""

Double dipping auto insurance in Texas?

My car was hit by another driver, his fault. My auto insurance company paid for my car to get repaired and the at fault drivers' insurance cut me a check after wards. Now my auto insurance company says I owe them due to double dipping. What can I do about this situation?""

How is car insurance calculated?

I'm 16 and I'm buying a used car, need to know how car insurance can be calculated. Also what attributes of a car make it cost more?""

Can I get my motorcycle registered with no title?

I just brought a bike for really cheap and I can get it insured so I think it isnt stiolen but if so how can I get it registered in the state of texas with no title

""We're going to vegas and will be renting a car, should we get the insurance?""

I've heard that getting insurance when you rent a car is pointless because your regular auto insurance will cover you, because insurance covers the driver and not the car. If we were to get the car insurance for the rental car, it would add an extra $250. Obviously our regular insurance has to cover us, or else the car rental place wouldn't make this insurance optional. Am i right? Should we consider getting the insurance?""

Disability Insurance?

Okay, if the employer is paying the premiums for disability insurance for its employees, do the employees have to pay taxes on the said insurance, even though they are not using it at this time? Legitimate answers please. Thank you.""

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?

How much would insurance be for a young person with a luxury car?

I was wondering if there's anyone (preferably a lady) between 22-25 who has a luxury car like a Jaguar, BMW or an Audi, and how much you pay for insurance. I'm 23 & looking to buy an Audi A4 or a BMW 3 series (second hand). So just wanted to know if theres anyone else out there with those cars :) thanks in advance x""

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.""

How come different auto insurance agencies charge different prices for the same insurance company?is it a scam?

yes i went to three different insurance agencys to see what quotes theyll give me. one say said ill pay 50 a month and 140 down payment for access auto insurance . the other agency said ill pay 60 a month and 90 down payment for the same company. and the third agency said i would probably not qualify for access auto insuranc. im 20 year old male riverside ca 94 accord. why would three different agencys quote diferently for the same auto company ? whyyy is it a scam

Car insurance for 27 male?

Hello, Im 27 year old male, driving a 2003 mazda protege with 170 000 kms. I live in London Ontario. How much will car insurance be with a clean record?""

Does my contractors liability insurance cover roofing subs?

Does my contractors liability insurance cover roofing subs?

How much will I need to pay a month for car insurance?

I'm an 18 year's old. I'm buyiing my own car soon. How much do you think i'll have to pay for car insurance a month? and what company should i get?

Car insurance for young UK drivers and fronting? Whats Best?

I've just passed my test. But, the next thing is a car, but the main problem is the insurance... I've looked at companies that offer a smart box which supposedly lowers the insurance, but i'm going to have to be the main driver on the policy and with a box through co-op I was quoted 5000! And as i'm under 18 they wanted it all in one lump sum!! The reason it was so high was because I have absolutely 0 years claims and i'm the main driver. I've spoken to my mum and dad about them being the main driver and me the named, but they both have a car each and are being very stubborn and keep saying they won't be the main driver as they wouldn't be the person driving it the most (I would be). They keep saying this is illegal and called fronting and if anything happened the insurance companies would look for anyway to not pay up. Everyone one at college that I know does exactly what i'm proposing to my parents... They keep saying if something was to happen then they would be the ones not able to get insurance again and therefore would loose their job as they need their car for their job. If I crashed, or the police pulled me for some reason then I would be insured, so what could they do? Do you think my parents are being awkward about it, and what can I say to make them think otherwise? (Someone I know has a dad as a taxi driver and he is the main driver on his car, as well as his own!) If anything unfortunate happens whilst i'm driving, like a crash, how will the insurance company know who's been driving it the most? What would they do? Should i persevere with my parents (what can I say to them)? And who else is good to try and insure with? I'm thinking of a 1999 Polo or Corsa, just a cheap 750 run around for college Thanks :)""

""Fast, fwd or awd, reliable, manual car that's cheap on insurance?

I already thought of a few possibilities. RSX Base 5 speed 05-06 Mazdaspeed Protege Scion TC Legacy GT Celica GT (possibly gts) EXPENSIVE INSURANCE (I live in NJ) RSX type s WRX EVO Just looking for ideas. Preferably cars that are cheap on insurance and easy to mod.

How much is for all tests for motorcycle and insurances?

Hi, im trying to get a motorcycle unless next year.. I know there are 3 types of M licence.. but how much to take each tests? and if i get M1 licence do i need to practice to take a M2 road test? but i know how to drive manual motorcycles i used to have motorcycle b4 after i've got M1 licence can i just go straight for road test? i heard there are many differences fees for insurance depends on company and use freeway or not plz can you tell me which company is cheapest without freeway? and price of each licence test ;; thank you""

Should Obama be impeached for saying you can keep your insurance?

Should Obama be impeached for saying you can keep your insurance?

""I have just passed my driving test, I am 17 years old and I need help on car insurance?""

I know it is very hard to get cheap car insurance for 17 years old and a new driver, but surely out there is a good deal for young drivers and isn't too expensive.""

About how much would my USAA auto insurance cost?

I am 16 and I will be getting my license... I passed drivers ed and get good grades I wanted to get a quote but the USAA website wanted me to give info such as social security and etc, and I do not feel comfortable giving that info. Can anyone tell me a rough estimate of what my auto insurance might cost per month? how much extra will my parents pay a month and how much my car insurance would be? just a rough estimate""

19yrs old car insurance?

Im 19yrs old and I got into a bad car accident when I was 15/16 yrs old. It was my fault so I went to court and they told me if I do community service and take a drivers ed class it will be cleared. As if the accident never happened. So now I want to get my own car insurance since I don't have anyone to get it for me. Will it so show that I got into a car accident ? Do I answer yes I've been in a car accident in the last 5 years? This has been the only car accident I've had so far.

Pay-as-you-drive auto insurance: do you think this is a good idea?

An alliance of insurance companies and environmentalists wants to bring a new kind of mileage-based auto insurance to California and charge motorists only for the number of miles actually driven. Called pay as you drive, the option is available from a few insurers in 34 states ... as well as Canada, Japan and Europe. One company, GMAC Insurance Group, says its customers -- whose mileage is tracked by General Motors Corp.'s OnStar system -- have reduced the premiums they pay by 13% to 54%.... The system could cut motoring costs, protect the environment and reduce traffic congestion, boosters say. Opponents, mainly privacy advocates, say they fear that insurance companies could begin tracking more than just a driver's mileage. High-mileage drivers could also see higher rates. from the Los Angeles Times http://www.latimes.com/news/science/environment/la-fi-carinsure15-2008jul15,0,6970018.story""

My First Speeding ticket as a minor! Will my insurance go up?

Last night I was coming home from a concert in Cleveland Ohio. Stupidly I wasn't paying attention to my speed and got pulled over for a 76 in a 60. 16 Mph over. Knowing my parents would take my car away for who knows how long my brother has agreed to help me pay the ticket. So with the ticket taken care of, that leave the possibility of my insurance going up who knows how much. I have State Farm and am on my parents plan. I will be receiving 2 points from this ticket. If anyone has a general idea about the possibility of my insurance going up at all. - I have done previous reading and can't get a straight forward find. Im hoping it wont affect my insurance premium or whatever and I can be in the free!! thanks alot in advance""

What is an Average Home insurance rate of a 2 story house?

4.5 baths 5 beds 3000 sq feet finished basement 3 decks 1 fenced in gorund pool Please, just and average for 1 month home insurace. No super valuables or anything. (It's for a project) I just can't find anything that won't just give me a chart or some thing. In class we had to make up an imaginary house and get all this different stuff for it. I've found everything,but home insurance rate without having to put in my personal info.""

Why are my insurance quotes higher when I list an accident I was not at fault for?

I've been getting online insurance quotes lately because I am getting a new car that will be more expensive to insure and I think my insurance now is already too high. So as part ...show more

Olalla Washington Cheap car insurance quotes zip 98359

Olalla Washington Cheap car insurance quotes zip 98359

How much will car insurance cost me for a 2000 - 2005 Acura RSX?

I'm 18 years old, I live in California, and I've had a car accident in the rain in November 2013. Any guess of how much it would cost me? Not planning to get the Type-S. Thank You! Note: I'm looking for a old (year 2000 - 2005) type of sport car. If insurance will cost me high for this Acura RSX, may you give me any suggestions of which car you'd recommend me getting?""

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

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

Are home insurance rates more expensive on a townhouse than a single family home?

Are home insurance rates more expensive on a townhouse than a single family home?

Do most insurance companies cover birth control?

I'm getting new health insurance through work and I'm already on the pill and I was wondering: 1. Will most insurances cover it? 2. Can I stay on the same pill?

What are the pros and cons of purchasing a car and leasing a car. Also how to purchase insurance.?

what are the pros and consof purchasing a car and leasing a car. And how do you purchase insurance?

What kind of car insurance for a adapted van?

Ok I have a 1993 Dodge Caravan. I am disabled so it has a ramp that is let out and brought back in. It has disabled hand controls and a drivers seat that raises and lowers and turns around.. just a bit more than your average seat does now-a-days.. this van was adapted when it was made.. so i have no receipts on the modifications or anything.. i could get an estimate from a local store that deals in strictly handicapped equipment.. how do i properly insure this van? I need to make sure that if it is ever totaled that i dont get just blue book. since i have to have a adapted van (i live in a rural area and there is no dependable handicapped public transportation) i have the permanent general insurance now, with a $1000 on the custom equipment. but i worry thats not enough or maybe even doesnt cover my handicap adaptions. the agent with them was snappy, rude, and didnt know anything.. ugh! what company should i go to? what do i need to have in my policy? help! i keep getting all this bad advice from the insurance companies because no one knows what to do!!!""

What would be the insurance policy on a 2013 Mustang GT/CS?

Make believe it is the summer of 2014 and I just bought the stated car above. How much would a typical insurance go for a used Stang with around 7,000 miles in a small city(like Gainsville) go for?""

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

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

Rover Mini insurance

Hi, im 16 years old and want to buy a rover mini pre 1997 as they have an airbag then, i wanted to know roughly how much it would cost to insure a 17/18 year old in a 1.3 litre rover mini. And im not a speed obsessed crazy teen, i would want to keep it nice and would not drive that fast anyway. Anyone know a figure?""

What would be a great (cheap) beginner motorcycle for a 16 year old?

I have been looking at a 1982 honda nighthawk 450 with 13k miles on it tht was in decent shape tht i could probably get it for 900$ (and i found out insurance would be 125$ a year).....i want to broaden my search and i was wondering if there are any other bikes out there that are good beginner bikes that are cheap (not AT ALL more than 1200$)

Why do students need Insurance?

what benefit will they get from it? Why should the city of Quebec make insurances available to students. An example of a story would help.

Too much to pay for car insurance?

I received my renewal notice today from my insurance company. I'm getting tired of paying so much for my insurance, I think its time to start looking around. I heard all the car insurance myths, when you turn 25.. Itll go down when you bundle your house & car insurance it'll go down when you get married it'll go down nope nope nope It has gone down a total of MAYBE $5 a month or $60yr. I'll be 29 in Jan, no accidents in 8yrs no speeding tickets in 5yrs. I drive a '06 4dr car and I'm paying $125/mthn insurance. Is it just me or this way too high to be paying insurance.... I've been with this company for close to 6yrs now.""

Car insurance rates?

i am a 23 year old male and have a 1993 lexus sc 300 auto 2 dr. i know for a male the rates go down when you hit 25 years old, but is there anything when you turn 23? doesnt it go down a lil. i have had 1 ticket for speeding in nov of 2005, but took that course online to get it off my record since it was my first one.""

Is this a good health insurance for my mom?

My mom is 58 years old and lives in California. I needed a plan where if there's any hospital bills or chemotherapy that needs to be done and it exceeds $100,000......I want the insurance company to pay for everything. https://www.healthinsurance.com/hi/web/health/ind/PlanDetails.aspx Also, can an insurance company suddenly cut someone if they are really sick and in the process of recovery? Does anyone know of a better health plan I should get for her? Thanks so much in advance.""

About how much should the car insurance of a 17 year old who drives a 2003 Black Ford Mustang?

About how much should the car insurance of a 17 year old who drives a 2003 Black Ford Mustang?

Any affordable health insurance options for a 65 years old thats not eligible for Medicare?

My in laws are 65 years old and just moved to the US (legally!). Because they are not US Citizens yet, and it will take 5 to 6 years for that to happen, they do not qualify for Medicare. So my question is, is there any affordable option to get healthcare coverage for someone who is over 65 yrs old? Because my husband and I are sponsoring them if they cannot pay for a medical (or any other) bill, they will come after us and we all know how expensive cancer or even a simple surgery can be, needless to say that we are not sleeping well at night! Thanks! Sheila (your love life paramedic) www.slumberpartiesbysheila.com""

Do you have health insurance?

if so, How much is it per month? How old are you? What kind of deductable do you have? Feel free to answer also if you do not have insurance, also, do you support obamacare?""

How do you get someone's car insurance provider?

The accident happened at a house i dont know if that counts as privite property or not but I've contact my own insurance filing it under my own policy. I gave them the opposite partys number and tag and they did tell me he did give a recorded statement. The insurance does hold him responsible but he refuses to give up any insurance at all. Is there anyway you can get insurance company through a tag number?

Auto insurance question?

what typically happens if ur drivin without insurance and get into an accident that wasnt ur fault...

What is an insurance discount disallowance?

i got my bill today for the lab where i had some tests done. on the bill it had a disallowance under the insurance discount category. just wondering what that was. the bill was about 400 and insurance paid 200 and it said disallowance of about 175 so my bill only ended up being 25 dollars.

Van with low insurance? HELP?

My car broke down, and i need a van pronto. I am a professional dog walker and need wheels all the time as cover a large radius. This is a perfect time to take the step into have a van. I only want something small. which i can split the back into two sections so can carry two dogs at a time. similar size as a renult kangoo, transit connect, vahxall combo - that sort of size van. It needs to be a low insurance group - as i have 4 years driving but no commerical No claims only car no claims - which ive been told doesnt count on a commercial policy. also needs to be diesel and a very small engine like 1.3 or something as i do so many miles and fuel costs atm. I have around 3000 to spend on a van. Any direction as to a suitable van, that fit my requirments would be fab! Ive been looking all night and cant find anything :( Thank you!!!!""

""If my mum is insured to drive my car, does she still need insurance on her car?""

My mum has been driving for 30 years and she currently has her own car with fully comp insurance. I have just bought a car and want to go under my mums insurance. If I do this, can she cancel the insurance on her car and still drive it (if the cover has a policy that says she is insured to drive any car). In other words will her fully comp insurance cover her on both cars? If not if there an option to add another car onto the policy without having to get a completely different quote? Thanks for your answers""

Car insurance after accident?

I am 18 and have been driving for 1 year, I used to drive as an additional driver on my Dads Renault Megane, I crashed it from spinning off and hitting a wall, luckily no one was hurt, I just had a few cuts from shattered glass. The police have arranged for me to have an interview next week to discuss the consequences, at the moment I have no convictions or anything on my licence, my Dad just bought me my own car and has said he'll pay for the insurance in full, it's quoted at 880 for a year if he pays in full, he was planning on paying in full in 2 days, I'm not trying to cheat the system, but if my dad pays in full and then I get a conviction after the transaction has been made, can the insurance company up my insurance considering I had no convictions at the time? I'm not trying to beat the system and cheat my way, I'm just curious as to what will happen. Thanks for taking the time to read!""

How much will my auto insurance go up if I am at 100% fault?

I was in an accident recently where I was found to be at 100% fault - accident was not too bad-- other car's front bumper dent-- How much should I expect my insurance to go up?

Where can i get cheap car insurance?

Where can i get cheap car insurance?

Olalla Washington Cheap car insurance quotes zip 98359

Olalla Washington Cheap car insurance quotes zip 98359

https://www.linkedin.com/pulse/healthcare-insurance-quotes-san-antonio-tx-josephine-mccullough/"

[letsimportanttreecollection-blog]

Do various driving school programs give different types of certificates that affect your insurance?

"Do various driving school programs give different types of certificates that affect your insurance?

I am a 20 year old female first time driver living in Colorado, and I'm debating what program to go with for driving school. The completely online one, the half online half classroom, or the full classroom. I want to take which ever one will give me the best insurance rate.

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

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""How much would it cost to add me as another driver to my mom's insurance policy (for the same car, not my own)?""

She has Liberty Mutual in Massachusetts and her premium is around 500. I just got my license two weeks ago and don't have a car, but want to be added to the policy so if I want to borrow it I'm insured. So around how much would it be just to add my name as another driver do you think? And if I were to get my own car, around how much extra would it cost to be added to the same policy?""

Cheap auto insurance safe to have?

I'm going to buy auto insurance and the rates I'm getting are pretty low, $72.00 per month (Progressive) and $92.00 (Geico). But I picked the state's lowest minimum coverage that was available, and I was wondering if it's safe/okay to do that? Thanks :)""

Canceling car insurance?

im with hastings direct car insurance and my 1st payment i due on the 20th and i was wondering if i was to phone up and cancel my insurance will i still have to pay it all or will i just have to pay a small fee?

What is the cost of car insurance with out drivers ed.?

I am an 18 year old girl, looking to get a small used car something like a older civic. What would the average monthly payment be. I live in NH and I have good grades, never been in ...show more""

What is the average cost of home owners insurance in texas?

what is the average cost of home owners insurance in texas? we are thinking of buying a house but all the morgage calculators have a space to add home owners insurance in to the monthly payment. I need to get a rough estimate of the price range of a house we could afford i know we cant afford much so it would not be for a house more than $100,000 for sureso not a big fancy just a basic 3 or 4 bedroom house. please give me an estimate i know it depends on the house locatoin and all that but I am completely clueless as to if it adds $10 or $100 or $300""

North Carolina Health Insurance?

Right now I have blue cross and blue sheild insurance. It's becoming ridiculous to pay each month and deductibles are through the roof! I'm a healthy 25 yr old female. I need to know, what are some insurance companies in the state of North Carolina that are cheaper, but are still helpful with doctor's visits and prescriptions. What health insurance do you have and what's the cost? Any help or opinions about would be great! thanks:))))""

Insurance premiums in the U.S.?

Did Insurance Companies increase their premiums in the U.S. for all customers (regardless of location) after Hurricane Katrina? If they did, is this a common practice? Don't insurance companies ever lose?""

Will my car insurance be void?

A few days ago I ran into the back of someone in my dads car. I am insured as a named driver. I am accepting liability but upon looking at our insurance certificate the mileage i said the car would do per year is much less than Its done. Will my insurance check this when the other party claims on my insurance? It was a genuine mistake when purchasing the insurance and I'm worried it may void my insurance when they check. I also find out today that a passenger in the car has a sore shoulder despite it being no faster than 5mph. What happens if my insurance is void and the passenger claims whiplash? Advice greatly appreciated

Insurance question?

if you are being sued for a car accident how much will the insurance company cover up to

Does life insurance effect zombies?

I mean, does it?!? Does life insurance effect zombies? If they come back in a few hours, would the company notice?""

Where can I buy the most affordable business liability insurance?

Hi there, I have a very small start up business and I am in need of liability insurance for a business. Does anyone know a good cheap company to use?""

Metlife Autoinsurance claim. Will rate increase?

I am under my parents metlife auto insurance.. recently my 03 DTS was hit in a hit and run while parked in the parking lot and my right bumper is cracked and tailight is slightly damaged.. I took it to local body shop and got an estimate of $932.00 for repair. Insurance deductible is $250 There are no claims on my familys auto-insurance, My parents are to worried that it may increase their insurance rate if a claim is filed... When I called Metlife to ask them would there be an increase if claim was filed they gave a B.S. answer saying that they dont know until after everything is done and then they decide.... So from your guys experience do you think rate will increase?........ If I cant proove that it woulnt increase its looking like Im gonna have to pull $932 out of my pockets""

""If we are getting affordable heath insurance, why can't my employer afford it?""

If we are getting affordable heath insurance, why can't my employer afford it?""

Cheapest car insurance? Does anyone know?

Paying no mind to the jibber jabber they say on TV what car insurance do you know is cheap?

What is a good first car that's cheap on insurance? UK?

I was thinking about buying a car, one that is cheap on insurance, good for a first time buyer? I dont have a huge budget so no new cars im afraid! any help?""

Why is car insurance more expensive based on age than value?

I am trying to shop for a new car but I want to know if I can manage the monthly expenses such as insurance and gas. I am interested in the 2011 Nissan Altima 2.5 S Coupe the Kelley Blue book value for the car is $17,000. The car has really good gas but I was shock to see the estimated quote for car insurance to be over a $100 a month. I was also interested in the 2008 Lexus IS 250 and the Kelley Blue Book value is $21,000. The gas for the car is okay but not as good as the nissan but the estimated car insurance quote to my surprise was only $45 a month. That doesn't really make any sense shouldn't it be more expensive since the car is worth more?""

I got a ticket for jaywalking. Will it affect my insurance?

I live in California and was wondering if I should just pay it? I'm just wondering if it will affect my insurance but it wasn't a traffic ticket and I'm confused.

Using car insurance comparison sites?

Hi, I'm 18 years old and taking my lessons. I've been trying to get a quote on a couple of cars that I would like to buy for when i pass or to get provisionaly insured on, I got a quote as having a full driving licence on a 2000 3door 1.2L for fiesta, I filled in all the relevant information no modification, using for social and commute to one place of work etcetc and its comes up with the cheapest being aroud 7000, this cannot possibly be right can it? Ive checked over the details and used different cars and the same price always comes up.""

Im looking for a car thats as fast as any normal 1.6 but is cheap on insurance?

Im 20 years old and i am looking for a car with the same acceleration or bhp as a normal 1.6 normal but i would like one that's cheaper on insurance

Need help with car insurance quotes?

i wanna get a used 2004 mazda rx-8. it has 68,000 miles on it and is a coupe, 2 doors. i really need just a guess, cause my online effort on all those sights is really driving me crazy. i don't know what half the stuff means. i'm 16 and would prolly be on my parents insurance, cause thats what my brothers doing. any ideas at what it would be per month?""

What questions do the ask you when you call for a motorcycle insurance quote?

What questions do the ask you when you call for a motorcycle insurance quote?

How can i get free health insurance?

i live in Pennsylvania. i need health insurance. i am 18, live with my boyfriend at his moms house. i have no job, she has no job, no one in the house has a job. my mom moved to florida so i can't have her help me anymore. how can i get free health insurance? like completely free. i can't even remember the last time i went to the doctors, i really should go for a checkup. please help.""

California State Disability and Insurance?

Hi, I am trying to figure out how much of a % I will be getting back from the state. I have short term disability but I havent called them yet to figure out how much I will get every month. Also, I have insurance through work and apparently not all the hospital fees are paid for. For example, my coworker just had a baby and cost her about $1500 out of her own pocket. Altogether was $9000 (rest was billed to the insurance). My doc is telling me I might have to have a C-Section. How much do those usually cost? What the heck is the point of having insurance if there not even going to pay for crap! BTW I am 29 weeks""

""After 7 years out of country, why the high car insurance rate?""

Seven years ago, I got a job working overseas. I sold my car here in the US before I left. Now I have returned to the US to live and I bought a car. I was shocked at the insurance rate - the cheapest I could find for a 2013 Ford Fiesta was $1112 for six months of coverage! I asked the agent why the rate was so sky high. Well, because the assumption is that you have been driving here in the US as an uninsured motorist for the past seven years . I tried to show proof that I was living overseas for those seven years, and that I didn't have any vehicle to insure in the US. But my explanation fell on deaf ears. Is there any way to explain my situation to Safeco (the insurance company)?""

About how much does motorcycle insurance cost?

and is it more than car?...about...

Do various driving school programs give different types of certificates that affect your insurance?

I am a 20 year old female first time driver living in Colorado, and I'm debating what program to go with for driving school. The completely online one, the half online half classroom, or the full classroom. I want to take which ever one will give me the best insurance rate.

What car can i hav 4 dead cheap insurance and whats the best insurance comp.... (im 18)?

I passed my test 6 months ago and still aint gotta car! i hav been looking at a honda civic 1.6 but im not sure what i can get insured on.. i know i can get insured on a 1.0L corsa but i want sumat a bit better (sumfin like a ferrari lol)?

What medical insurance companies will not cover sport injuries?

I am writing a report on insurance coverage and sport injuries. I know that most medical insurance will not cover an injury that occurred while playing on an athletic team. I want to know which specific companies and their policies

Insurance when your pregnant?

I currently have insurance although October 1st my coverage will be terminated because I left my job. I recently found out that I was pregnant and was wondering how I will get insurance and will my pregnancy be considered pre-existing when I get insurance through a private company. Should I try to go to the doctor while I have my current insurance through work or wait until I have new insurance

My dentist wants me to pay up front and have my insurance company reimburse ME?

I just went to the dentist today and had a filling. I have dental insurance, but the dentist wanted payment up front for the services. The receptionist said they require payment in full for the services on the day of service, and then they will send the insurance claim in to the company and eventually I will receive a reimbursement check. Isn't that what INSURANCE IS FOR??? So you DON'T have to pay????? I don't handle the cash in my family, so after much arguing about requiring payment up front, the receptionist agreed to let me walk out withouth paying, but expects me to have my husband pay by tomorrow. It just doesn't seem right that the dentist gets cash up front for the work, and then makes ME wait to get reimbursed by the insurance company... what the heck?""

Do I need collision motorcycle insurance coverage on an old motorcycle?

Im looking to insure a 1997 Kawasaki Ninja 250 which was bought for $1,500 with Progressive. I would be using the bike to commute to campus and to work/internship. I was wondering how important each category is and how much coverage is recommended. -bodily/property damage -uninsured/underinsured bodily -medical payments -comprehensive -collision -uninsured property damage Also, is collision worth getting since I would probably go for a 1,000 deductable if I did get it since collision coverage is expensive. Keep in mind that I go to college in a small rural town which is pretty bike friendly.""

How can I get the other driver's insurance co. to pay the full cost of rental car?

I was hit from behind and the other driver's insurance company has accepted liability but, they only want to reimburse me about $27/day for a rental car when I'll have to pay around $50/day. They are also dictating to me some terms about the duration of the rental car period based on the number of shop hours estimated for repair. I am wondering if there is some leverage I can use to make them pay 100% of the rental car cost for a reasonable car and duration.""

No claim bonus on previous car insurance?

HI I WOULD BE GRATEFUL IF YOU COULD ANSWER ABOUT CAR INSURANCE CLAIM BONUS DID 2 YEARS INSURE WITH FIRST CENTRAL INSURANCE FROM DECEMBER 2010 TO DECEMBER 2012 THEN STOP DRIVING AND NOT DRIVE FOR 13 MONTHS DO I STILL HAVE CLAIM BONUS I WAS TOLD YES IT EXPIRE AFTER 2 YEARS IS THIS TRUE? I TRY CONTACT MY PREVIOUS INSURANCE ABOUT THIS BUT NO REPLY YET THANK YOU

Cheap health insurance?

what is the cheapest health insurance in california? i am male 22, i do not smoke..""

What's the most & best but reasonable/affordable Health Insurance??

in/for Indiana

If a car has a dent will insurance consider it salvage?

Found this clean title used car but has a big dent. If i was to buy the car and insure it would the insurance consider it salvage? I'm new to all of this. pics ...show more

""If i buy a car, how long have i got to insure it?""

If i buy a car, how long have i got to insure it?""

""In Alabama, is it hard to get insurance for a Jeep if...?""

i'm turning 16 soon. Getting my intermediate license, then six months later i'll get my real license. I've been looking at Jeep Wranglers, but i've decided I need something that gets a little better gas milage. So now i've really come to like Jeep Grand Cherokee's. The price of the Jeep isn't a problem, I can pay for the gas too. But the insurance is another. Does anyone have any clue how much insurance might be? I think my mom is with progressive if it matters. Thanks in advance!""

Can a 20 yr old college student get medicaid for health insurance?

Her dad is on disability and her mother has left and is living in another state. She gets financial aid and grants. Right now she has no health insurance at all.

Auto Insurance at 16?

How much could I expect it to be? I do live in Texas. I will be getting my permit soon (after I'm done with drivers ed), and to drive with it, I will need to be on my parents auto insurance, and I have to pay for it. I will not have a car for the time being so it shouldn't be really high?""

Delaware Auto Insurance (Uninsured / Under-insured) What does this Mean?

4) An insured who executes a release of a single tortfeasor owner or operator of an underinsured motor vehicle in exchange for payment of the entire limits of liability insurance afforded by the tortfeasor's liability insurer shall continue to be legally entitled to recover against that tortfeasor for the purposes of recovery against the insured's underinsurance carrier. An insured who executes a release of 1 of multiple tortfeasors shall have rights against that tortfeasor and the insured's underinsurance carrier determined in accordance with the Uniform Contribution Among Joint Tortfeasors Act and paragraph (3) of this subsection.

""Hit by car, no health insurance?""

I was hit by a car, no major damage, just pain in right leg, but nothing broken. My health insurance just expired, can I bill the person who hit me Health's Insurance? I dunno? Help?""

Do you need motorcycle insurance in florida?

i plan on moving to florida really soon, i am from n.j. and i heard i wouldnt need insurance, is that true? are there any circumstances where i would need to get insurance?""

Would my insurance rate go up on a car with more features?

I'm buying a car today and I already have the insuance and can leave with the car today once I give a down payment. However, the car dealer and I were speaking on the phone and he told me he can give me the same car and year but with more features like a Nav Panel on the dashboard and bluetooth and a couple of other smaller details like USB ports. Now my question would be, with these new features that don't exactly change much from the car I was originally getting, would this make my insurance go up?""

Car crash and insurance?

i had a crash today, it was not my fault (was told by the police), i had my insurance, but the other party does not, i was told i have to pay for my car full coverage because the other party does not have insurance. Is that true? please help me, thank you!""

""If i own a car, can someone else be the named driver on insurance?""

I own a car under finance, but i cannot drive the car anymore. is it possible for another person to insure themselves on the car and be the main user of it?""

What to name a new insurance company?

If you were to start a insurance company what would you name it?

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 to get Health Insurance when you are 17?

My parents are divorced and my sister and I have been living with our mom. However, we received health insurance through our father's place of work. Now he is applying for disability and has quit his job, so currently my sister and I have no health insurance. Because of this, my mom forbids me to take my car or motorcycle out because if my sister or I get hurt, there is no way for us to pay for it (we are suffering financially because my mom's hours at work got cut, and she is still recovering from breast cancer). Anyway, is there any way for me to obtain health insurance (or at least help my mom to) that would be affordable? We live in New York State""

Whats the average cost if you dont have health insurance to have a baby in the hospital?

I have health insurance I'm not sure yet if they will cover my pregnancy, how much does it cost to have a baby if you dont have health insurance? How much are sonograms, doctor visits etc. Thanks""

Where can I find an affordable party hall in brooklyn for less than $2500?

I want to plan a surprise 21st birthday party. So far, I haven't been able to find anything for less than $2500 for less than 100 people. Can anybody please help!!!!!""

Do various driving school programs give different types of certificates that affect your insurance?

I am a 20 year old female first time driver living in Colorado, and I'm debating what program to go with for driving school. The completely online one, the half online half classroom, or the full classroom. I want to take which ever one will give me the best insurance rate.

We were just in a no fault car accident and we're uninsured?

How should we proceed? Our Insurance has been canceled and we were just hit by another driver while driving. I have heard that you have less of a claim when you're uninsured even if you're not at fault, but I just wanted to get some advice... Can anyone help?""

""Whats a cheap car to buy, insure, Tax and repair?

i live in kent and i am getting close to getting my full licence. I am 20 years old so i know insurance is going to be expensive no matter what car i have. I don't mind the car being second hand and i don't really want to spend over 1500. I don't care what the car looks like but i need it to be as cheap as possible to insure so like the lower insurance bands and lower tax bands. It also needs to be cheap for the MOT and any repairs that need to be done. I understand that it may be cheaper to have the car in a older persons name and me as a third person but i want to start getting my no claims bonus so its cheaper for me in the long run.

Car insurance?

ok if i was to get a new infiniti ex how much does auto insurance cost me anyone know

How much does car insurance fluctuate related to a car's make year?

I know the newer the car the higher the insurance, but by how much? Would a 2 or 3 year difference be very significant? Also how much more on average is car insurance for a mid-size SUV than a sedan-style car?""

What wold be the cheapest and best insurance?

I'm 19 and a full time college student and I live in Wisconsin. I have a work study job at school as well as a full time job in the summer. I live with my grandma because I was technically abandoned by my mom while in high school and she is unemployed so I don't think she has insurance. I wrestle in college and earlier this year I sustained a concussion and a few days afterward I got rear ended which made the symptoms a lot worse. Theyre insurance is paying for some of the bills but not all. So what insurance should I try to pursue.

What is the difference between whole and term life insurance?

Which one is better to provide for your families needs if something happed to you?

Life insurance for over 60?

Hello,just wondering if anyone out there has any good expierence for life insurance over 60 years old.I am a 64 year old female who wants something for 15 years with no pre-existing medical conditions.There are so many out there I just dont know who I can trust.Thanks...""

""I hit someon because of rain related skid, no one got ticket. Can I claim from their insurance my car damage?""

We pay insurance to cover us in accidents and my friends are telling me that it is my fault because I hit from behind. I say that it was out of my control and the skid just happenned becaus eof the weather. Can I be able to claim from other person Insurance company. I only had liability and it wasn't my insurance as I was driving someone else's car. Cn someone with their experience guide me, what will be the best way to take car eof it. the other car did not have any damage but my car has about $900 damage. If I take it to a reputable car place it might go upto $1500. Thanks in advance""

When should I buy life insurance?

I'm 23, one year out of college, living at home with my parents and working full time. I have no dependents. Is this the right time in my life for purchasing life insurance? I don't anticipate starting a family for another 5-8 years - is it wise to lock in a level term or whole life at my age or is it just fool's thinking?""

How much will my driving insurance be for 16 yrs old?

Drivers Age: 16 type of car: Toyota liability limits: uh... none, i think, once i crash the car goes.. comp & collision?: idk driving record: just got it today lol credit score: perfect =P zip code where car is kept: 43221 its a rav4 crappy car, i just need a ball park geuss... my parents r trying to make me think its a lot more than i no it is, just so i dont drive... and stuff, yea... thanks justin""

How do i go about getting sr-22 insurance?

i live in new mexico, and i'm sure it varies a little form state to state, but can you tell me the process you went through and possibly what kind of increase in insurance rates im looking at?""

Does taking DUI class help reduce insurance rate?

I'm working on getting a driver license and wondering whether my prospective insurance rate will be lowered (even just a tad) if I take some DUI classes. I'm 19 and abiding in Georgia.

How does AAA insurance work?

I want to start driving I'm a fifteen female. I want to drive my moms four wheel drive Subaru. We have AAA insurance and I live in the state of California. I'm just not sure what the insurance policy would be... Or whatever. So basically, what would our insurance be? I'm pretty sure this makes little to no sense and I apologies sincerely but to be quite frank I don't understand insurance whatsoever. So if you could explain to me that would be amazing. Thank You for your time""

How can I prevent this girl from completely taking advantage of my insurance company?

A few nights ago I accidentally brushed the side of my neighbor's car with my front bumper (cause she was parked like an idiot as usual). I'm taking full responsibility of it cause it's my fault and I have no problem with that. Initially I was going to pay for the scrape to be compounded out and whatever else was wrong as a result of me hitting it. However, when I spoke to her, she started pointing out a ridiculous amount of things: there's a scratch in addition to the scrape (ok, sure), she says I cracked her light (maybe I did, it's possible) but she's also saying that I caused her tire to pop out and that there's tread missing from it (which makes absolutely no sense because I didn't hit the tire or rim or wheel well at all). Basically, she expects a whole new paint job and a set of tires which is ridiculous for the small amount of damage that was done. I want to make sure she isn't trying to take advantage of my insurance company and cause my rates to skyrocket as a result. The car is a complete piece of sh*t and she doesn't take care of it at all - the paint's dull, the rims are rusted - and I think she's trying to fix these things by making it like they were a result of me hitting her. I have no problem at all taking responsibility for the damage I did, but I do have a problem with her making things up and trying to fix other issues through my insurance company. The last claims representative I spoke with told me that I would not be contacted by the adjuster at all since there is no damage to my car. Since she's going to be talking with the adjuster and I won't, I'm afraid she's going to exaggerate the amount of damage. Should I call my insurance company and tell them this? Will they care? What can I do?""

How much will car insurance run for a 17 year old male?

for a 85 monte carlo old school big body

What's the average price of a Doctor's visit without health insurance?

My eyes are yellow.

Goal to live without having to have life insurance in the future?

At 50 I would like to live without having life insurance. No dependents. What financial requirements in retirement accounts and cash should I have? Plan on having no mortgage. No loans of any kind. And retirment funds in check to get me $20,000 a year from age 70 to age 100. Roth Account equal to the above amount for incidentals like cars for cash and medical bills. Children or grandchildren will be beneficiaries to these accounts. Would anyone under these circumstances need to pay for life insurance?""

Is my car insurance too expensive?

Im 17 years old and recently checked out some quotes for car insurance and the cheapest i could find was $700. I live in toronto and the car is a 2000 civic ex. Is the insurance too expensive considering this is my first insurance

How do I fight an auto insurance company's liability decision?

I was T-boned by another driver who I believe rolled through a stop sign and could not have been paying attention to the road. It was a four-way stop intersection, and the insured ...show more""

Motorcycle insurance?

How much is insurance? I am 15 1/2 (male) and I want to get a ninja 250r. I live in california, I get good grades and I will take the basic riders course ( I hear good grades and the brc give insurance discounts).""

I live in ontario. what is the process of getting auto insurance in quebec?

I live in ontario. what is the process of getting auto insurance in quebec?

What would be the average income of a part time insurance agent?

I was recently offered a job for when I get out of high school as an insurance agent. The lady said it would be a good job for me to have during college. I have other job offers and am considering this one. I know that in a sales field like this one there are many possibilities on how high or low your income could be, but I was just wondering if anyone had a rough estimate of what I could expect to make as an insurance agent while going to college.""

How much would car insurance cost me?

I am male 31 yr old, have 1 yr experience driving on a provisional license, how much would insurance cost me for a 99 fiat punto 1.2?? Also if its possible to pay it monthly or whats the best? Would appreciate any help.""

What are the people called who work for the insurance companies?

That spy on people who claim insurance from not working because they pulled their back, or twisted there neck, etc.. they usually take pictures, or film them for court evidence to see if they are really telling the truth about there injury. thanks""

Do insurance companies insure themselves?

My wife and I were wondering this this morning. If an insurance office is broken in to/has a fire/etc, do they cover themselves?""

Do various driving school programs give different types of certificates that affect your insurance?

I am a 20 year old female first time driver living in Colorado, and I'm debating what program to go with for driving school. The completely online one, the half online half classroom, or the full classroom. I want to take which ever one will give me the best insurance rate.

Can you put two cars on two different insurance companies?

If i have two cars, can i put one on Geico and one on state farm. I'm having very bad experience with State farm and i'm thinking of switching with one car at at time. Is it possible to have the two cars in my household on two different insurance company eventhough both cars are in my name?""

What is car insurance rates?

I'm doing report, and i need to write bout 3 ways that how teenage car accidents rising affect us. One of my answer is car insurance rate would go up; &yet i don't know what that means. some one help?""

Who do I contact when a taxi driver has no private insurance?

Who do I contact when a taxi driver has no private insurance?

What car can i get that will be the cheapest insurance a month?

Hello I'm 18 I'm a male and I live in Cleveland Ohio I was wondering what is the best car I can get with the lowest insurance a month? And what is the best car insurance for first time drivers?

Would OSAP provide money for car insurance?

I'm going to buy a car for college to get from point A to point B and I was just wondering if OSAP would be able to provide me for car insurance and gas money. Thanks.

How to look for insurance?

I need to find health and medical insurance... im online looking at quotes but i have no idea what its saying???? can anyone help????

Is There Any One-Day Car Insurance?

I have a car that is unplated and I don't drive it for more than one year but I am going for my G license test which can be done in one day. So, I wonder if there is any car insurance for one day in Ontario Canada?""

""Would you rather have a law against gay marriage, or affordable HEALTH INSURANCE that can't be canceled?""

Admittedly a false choice, but still...electing a GOP/Teabag/Fox 'News'/Jesus freak government would enhance the chances of a law against gay marriage and diminish the chances of some form of Medicare for all. Feel free to substitute 'Christian right for 'Jesus freak...consider it a figure of speech or an expression of art.""

Why don't health insurance companies compete on price like car insurance companies?

I was watching TV (something I rarely do) this weekend, and I noticed a fair number of car insurance commercials from various companies. They were touting their high level of service and low prices, and urging consumers to investigate and switch to their company. How come this doesn't appear to happen with health insurance? Is it because employers, rather than the actual people insured, shop for insurance in many cases? Is it because auto insurers are allowed to compete more freely across state borders? Are the basic expectations different when it comes to health insurance? Or, does competition already exist in the health insurance industry but the product is so much more expensive no matter what? Serious answers appreciated. 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""

How does car insurance work?

I dont know much about car insurance. Do get it when we have a car only or if i sell the car i still have that insurance with me for a possible next car in future?

CAR INSURANCE I NEED HELP!?

Me and my boyfriend wants to buy a car but were concern about the car insurance we cant afford to pay 200 dollars or more a month just for car insurance but we refused to drive with out insurance we have a baby on the way and we don't know what to do and we really need a car bad please anyone can you please help us out if so can you leave numbers if you know something we just need help

""Want car insurance on other person policy, how much?""

I want to be a named driver on someones policy, how much extra will it cost for 24 year old with provisional licence?? Vauxhall Corsa U Reg The main holder has been driving many years. Just want a rough idea..hope you can help""

Dentist cost for teeth cleaning without insurance?

I live in Fairfax, VA and was wondering how much would it cost for the teeth cleaning with no heath insurance. thanks""

Where can I add my name to health insurance waiting list and what are average waiting times?

In our state we imposed rent controls 10 years ago to help the poor with more affordable housing, and apartments available for rent disappeared from the market for some mysterious reason. I spent 6 years on a waiting list and still my turn never came. To tell you the truth almost all vacancies are filled either through bribes or nepotism. One week ago our Governor imposed price controls on health care insurance premiums to help the poor with more affordable health care, and policies available for purchases disappeared from the market for some mysterious reason.""

Is Liberty National Life Insurance is a good company to work for?

Ok, like a few days ago i've scheduled an interview with National Life Insurance company and was really excited 'bout workin' there until today, but tomorrow (8/05/09) i have my interview...anyways, while i was making some more researches about the company so that i could present my questions to the interviewer (u know when he/she will ask me if i have any questions...) and then i stumbled upon some acclaimed Liberty National Life Insurance scams ...u know how people can be HORRIBLE on the internet. so anyways people (customers or employees, especially EX employees) were saying really bad stuff about the company. Like, LNL insurance doesn't pay people fairly, and that if you just wanna buy a pair of shoes to wear then it's a fitted company to work for, and all the bad things u could imagine...in fact, the ex employees were really crucial about the company. So now, i'm really nervous about working for them you know? I mean what if what those ppl are telling the truth and that i'm just heading toward god knows what?! What if i get the job and realize then that everything that was being said on the internet was true? What if they don't pay me fairly? or i don't know.... All of this has gotten me very frustrated...so if any of u guys can be any help with reliable sources, or just helpful suggestions would be more than great! Thankx and oh lol i didn't realized i wrote so much...sorry 'bout that though....""

Insurance and financial help?

Here's the deal, I broke something that wasn't mine (on a trip) and was given a bill. I paid for it with my saving account. Why would my parents need a copy of the bill for our insurance co.""

How much is a Geico car insurance for a minor ?

I am 17 years old and I am just wondering how much I will have to pay for my car insurance. My mom has Geico, and I am sure that will be the one I will have, too. Help!""

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?""

Cheap insurance w/a DUI???

Which are the best companies to compare for car insurance w/a DUI on your record???

Massachusetts Health insurance?

Massachusetts Health insurance? I am in fifties and currently living in California. Due to the California high cost of medical insurance, My wife and I are thinking of moving to Massachusetts state, get a small home there and retire there eventually. The reason that we are thinking about is that we overheard Massachusetts have a much lower health insurance cost ($50/month ?). Please advise us if you are currently living in Massachusetts state or other states that have less expensive health care insurance and housing cost. You advise is greatly appreciated. Jo""

What is the cost of car insurance in ontario canada?

i live in thorhill. i just got my licence (G2). im 19 and a student. anyone can give me an approximation of the fee per month?

Should we have whole life insurance?

My husband is 26 yrs old and he bought whole life insurance. I tried to tell him to get term sicne we are so young, but he wouldn't listen. Can anyone help me?""

Exchange insurance/registration info...?

It's about my friend hitting a parked car again. The other party got his insurance+registration, should my friend get their's even though no one was in the car? thanks""

Do salvage title cars have cheaper insurance premiums?

Do salvage title cars have cheaper insurance premiums?

Do various driving school programs give different types of certificates that affect your insurance?

I am a 20 year old female first time driver living in Colorado, and I'm debating what program to go with for driving school. The completely online one, the half online half classroom, or the full classroom. I want to take which ever one will give me the best insurance rate.

https://www.linkedin.com/pulse/can-insurance-credit-card-aliza-hausauer"

[iannoyinglysweetstudent-blog]

Where can i find a good healthcare plan for myself and my kids? more inside?

"Where can i find a good healthcare plan for myself and my kids? more inside?

39 weeks prego with number 2. and neither have insurance except the smallest will have ga medicade when he is born.i am looking for insurance to cover them mostly. and everything i see has at least a $1000 deductible. what is a good way to do this? i am 21 and don't know any thing about insurance. help please :-) i

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

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If I don't want to buy LDW or ALI offered by the rental car company, where can I buy a cheaper rental car insurance online? I tried Travel Guard, but since I am not a U.S. resident I am not eligible.""

Insurance rate?

Is it more money (insurance wise) for a new driver to drive a new car or a used car. Give an estimate of how much more?

Should I pay someone to do the body work on my car or file a claim and watch my insurance rates go up?

So I bumped into an SUV the other day, and the other person's car was totally fine, so they decided not to file a claim. I drove off with a messed up hood though.. So now I don't know what to do... pay cash for the damages (roughly $2500 which i don't really have...) or file a claim and have the crash go on my record for 5 years and watch my premiums increase. I have asked my insurance company and they cannot give me an answer as to how much my insurance will go up so its a guessing game at this point... I have a good driving record and having never crashed before... Please Help!""

What is the best car insurance to get?

Cheap, reasonable, and the best.""

Is the nissan 240sx considered a sportscar when dealing with insurrance?

which would cost more for insurance, a 1997 nissan 240sx or a 2008 scion tc and is the 240sx considered a sports car?""

Can I put my boyfriend of 3 years on my health insurance (provided by employer) in the state of Florida?

I work for a great company that provides health & dental insurance from the very first time you start the job. My boyfriend of three years that I live with, does not have any ...show more""

Affordable Health Insurance for small business owner?

I own a small retail store in CT and just received notice that my health insurance (for my family as well as my employees) went up by 23% (!). Now I'm trying to research online what the best options are in terms of affordability and coverage. I looked into HSA but am afraid that my employees might not be able to pay the high deductible out of pocket. I also wonder if getting individual health insurance (not via the business) would work if I pay a portion for each of my employees and if those tend to be less expensive. I pay 100% for my employees now and partly for their family members and would like to continue doing that but the prices are just getting ridiculous. If anyone has any suggestions I really appreciate it. Sadly, I am not internet savvy so shopping online has proven to be hard and insurance jargon just seems like a foreign language to me... :) Thank you

What should I do with car insurance?

Okay there was a massive understanding. My mum and dad were getting my quotes for cars and they got me a quote for a Mitsubishi Colt 1.1 Black Hawk. Nice little car. The quote they got was 750 for my own insurance PROVISIONALLY. I tried telling that them reason it was that much was because it was provisional insurance. Not till they gave me the money for the car and told me to buy, did they realise that insurance is different now and you have to re-new it to full UK manual as soon as you pass your test. I've been looking at quotes and they're looking well to expensive for my own insurance. Is there a cheaper way? Like going on my mum and dads insurance? They've both been driving for well over 20 years and have no claims at all since they've started driving?""

Why did the president veto children's health insurance plan?

I don't understand.

Car insurance and car note?

OK, I'm nineteen. I've been saving up for my first car. But the thing is, I have to pay insurance, and a car note on my own. My mother became homeless, and my father I do not know. My godparents took me in, and they can't afford to add me on their insurance. So, being that I have a part time job at McDonald's, and go to college, It seems as if I have no way of affording a car and insurance. I haven't checked the rates of insurance, but I do understand that they are high for teenage males, and always vary on the type of car you have. I don't want anything fancy, a four door car that gets me from A to B. Is there anyway I can afford this? Please and thanks!""

How much would car insurance be ?

I was just wondering how much insurance would be im 17 a girl (ive heard insurance is cheaper for girls) and about to start my lessons but was just wondering what the insurance cost is on a fiat cinquecento or a vauxhall corsa (which model of vauxhall corsa is the cheapest?) I live in a fairly rural area would this make any difference to the insurance cost ? Would it be cheaper to maybe go on my parents insurance ??? Also what insurance company is the cheapest? Please please please someone help :L

Best Car Insurance for 17 year old.?

I'm a 17 year old male. My GPA is just below 3.0 last time I checked it. I think its somewhere around 2.5. I've had my license for almost 10 months now. I've been driving for a year and a half, no accidents. Nothing like that I'm a good driver than most crazed kids my age. With my job I currently make about 150 every two weeks I hope that goes up once summer comes around. My grandmother wants to put me on her car insurance and she told me that the car I plan on buying would have to be in her name, and I'm ok with that. When I buy it do I get both our names on the title. She has metlife and my mom has gieco which is the better of the two. And how can I work it out so they dont have to worry about it if i was on there insurance i would pay my part but i want the cheapest possible and im wondering what to expect for a down payment and monthly rates. Thank you If it helps I plan on buying a 2001 Chevy Cavalier and yes its a 2 door so my rates will probably be higher.""

What are short-term life insurance needs?

I currently have a 5 year term life insurance policy with State Farm and I was wondering if it were possible for me to make a withdrawl or loan from this policy. I researched this some and on some websites it said it wasn't possible; however whenever I look on State Farms website it says the below: The State Farm 5 Year Term policy provides affordable life insurance protection for a five year period and is renewable for subsequent 5-year periods until age 85 (age 80 in NY). It is great for covering any short-term life insurance needs you may have. Short-term life insurance needs may include such things as: * Car loan * College tuition * Home equity loan * Mortgage loan * Business loan * Student loan * Key employee Term insurance may also be appropriate when your life insurance needs are great but your budget is tight. Does this mean I can make a withdrawal so that I can pay off my student loans? Also, it seems that my policy has ended in December; however, I was still charged this month. The policy started in 2005.""

Value Of Car Set By Insurance Company?

My car was recently stolen and declared a total lost, when I first got insurance on this car the new or used cost value was set by my insurance company for $19,000. Now that my car is a total lost they only said they can give me the fair market value only. Why did they set a price of $19,000?""

How does my car insurance work ?

Am i insured to drive my car if after traveling to work i then leave early but am still being paid for the hours contracted , this being that my car insurance allows me to commute to and from a single place of work ?""

Motorbike Insurance 600cc ~ 1000cc?

Iam 24 years old ( will do the bike test later this year ) I would just like a rough figure on what would it cost the insurance for these bikes. CB 600 hornet HONDA CBR 1000 KAWASAKI Z1000 KAWASAKI ER 650 YAMAHA R1 YAMAHA R6 Iam asking because iam abroad and i cant do the quotes else i would not loose time asking If someone could be kind enough to help out just with a near figure iwould gladly apreciate the help.

My wife has leukemia and no health insurance. is there any affordable health insurance?

The insurance she does have is very low, 2000.00 a year cap. we've been looking and it seems she has to be without any for 6 months. she got turned down for medicare already. others we have found range from 1000.00 per month and up. has anyone found any thing better?""

I might be starting a new job out of state. how do i provide health insurance for my family?

I might be starting a new job out of state. how do i provide health insurance for my family?

How much does car insurance? Please Read!?

OK does anyone know how much does state farm cost? because I would really like to know thank you.

What is the legal cost of a ticket for not having any car insurance in the state of ala?

What is the legal cost of a ticket for not having any car insurance in the state of ala?

I think my short term disability due to giving birth got messed up?

So I want on leave on May 20th due to best rest. I used all my vacation and leftover sick time, and the rest is paid by short term disability, a total of about 9 weeks total. I stayed home 6 weeks after my baby was born since my work doesn't cover any of my pay. I work in a very small private business, just 3 of us. My boss had never handled maternity leave before, and I think he did it wrong. A few weeks after I gave birth he said he got a check from the disability insurance agency, it was made out to his business. So he cashed it and wrote me a check for the total amount from his business account. There was no explanation of how to dole it out, so he just gave me the total amount. Then, just now, 3 weeks later, I got another check mailed to my home from the insurance company?? What happened? I should of only got paid for the 3.5 weeks I believe from short term disability because I was paid for the rest. The insurance company is not open until tomorrow so I cannot call them yet.""

How much does company car insurance cost for your personal car?

If i was to take out insurance for my car to cover it for company use how much does this usually cost??? i guess every car/individual is different but on average whats the usual cost??? thanks

Help please with health insurance?

I am new resident in usa and I am 25 y.old.I have valicocele problems and its already 7years that i still have it . It didnt heart before but now my pain increasing. I dont know where to go and what to do becouse I dont have any insurance yet and I dont know will insurance cover my sergery if need sergery. Please give some information what kind of insurance do I need . I also heard about colorado indigent care program(cicp) . And I dont know will it cover to go to doctor or to have sergery. I will really presuate if you can help me . Thanks

Car insurance cost for 17 year old?

Im 17 and ill be needing to pay for car insurence the car and th insurance compnay is in my parents name righ tnow they pay 150. my parents are putting me on the insurance policy and they are making me pay whatever is above 150, how much will i be paying. I live in virginia if that helps""

What is the best insurance in FLorida for a small child that is not hugely expensive?

I am trying to find a good plan to switch my daughter to in Florida. We are waiting to hopefully get Kidcare but if it falls thru does anyone have a plan they love that doesnt cost hundreds a month?

Where can i find a good healthcare plan for myself and my kids? more inside?

39 weeks prego with number 2. and neither have insurance except the smallest will have ga medicade when he is born.i am looking for insurance to cover them mostly. and everything i see has at least a $1000 deductible. what is a good way to do this? i am 21 and don't know any thing about insurance. help please :-) i

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

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

Need Advise On Car Insurance?

On Friday Fed. 12th I bought Me a good Used car. I had to park on the side of the street cause my neighbors from downstairs had company and were in my spot. when I woke up on Saturday morning my car was wrecked in the front and the other vehicle no where in site well except for the trail of car fluids that led to his car three blocks away. the police came got his info and mine, towed his vehicle, advised me what I needed to do and left. I found out on my own that the insurance that the police had was false info. I was pissed. Well low and behold the owner of the car came to my house that same evening and was like my car was stolen and all this other bs. He gave me his correct insurance papers and said he would report it to claims. He never did I had to on Tuesday. His insurance knew nothing of the matter. I filed my claim with them and they said it would be 24 to 48 hours and they would get in contact with me. Nothing yet.. Im still waiting for them to call me. What should I do now???????????""

Motorcycle insurance for 20 year old?

Thinking about getting a bike, it would be probably a mid 90's to early 2000's enduro that I would use mostly for traveling back and forth to work here in michigan. looking for around a 300-600 cc bike that'll probably be worth about $2500. I have only one accident on my record. Any idea of a round about estimate for insurance prices of just liability? Full coverage? Also how much is it to get the licensing and take the courses in michigan?""

Does blue cross blue shield cover accutane?

So tomorrow i am going to get accutane if my insurance covers it. I have Blue cross blue shield of ga and the blue choice option through the TJX companies (my mothers work). it says on my insurance card medical coPays, $20 office visit, and $100 ER. Does this Blue cross blue shield cover accutane?""

How much would insurance be for a 16 year old driving a 1988 lincoln towncar?

How much would insurance be for a 16 year old driving a 1988 lincoln towncar?

Has anyone from Florida had any experience with Tower Hill homeowners insurance?

We're insurance shopping after we found out State Farm is charging us WAY too much. Tower Hill has given a great quote but I can't seem to find one their customers to talk to. Has anyone dealt with them?

High school sports insurance?

I am currently a junior in my high school. I would like to tryout for soccer next year but i am afraid if i make the team, I do not have any health insurance. If i get injured in a game, do the school cover for the medical bills?. how does this process work?. My parents own a company. they do not work for someone who covers health insurance.""

Cheap auto insurance for mid-california...?

i had a accident in december last year and a speeding ticket doing 90 in a 55 last year.. 2 different occasions. i am buying a 2002 jeep grand cherokee laredo and wheni went to geico they said my quote was like $406 a month.. thats crazy. progressive was $199 a month.. but it still seems outrageous... cant i find it cheaper than this? please help..... im 23 female who has had my license for 7 years since i was 16, never had it revoked or anything.. how do i get my rates to go down?""

Florida car insurance inquiry?

I'm 16 years old and going to be 17 in a week and a half. Tomorrow I am eligible to obtain my Florida's driver license (as I will have had my learner's permit for a year tomorrow). My mom objects to me obtaining my license because I do not have a job and therefore will be unable to help pay for insurance. However, my dad just brought to my attention that I only need to pay for car insurance if I own my car (which at the moment my mom and I would be sharing a car). Which of this true? Do I have to pay for any type of insurance once getting my driver's license? I am out of a job, (but still looking) but want to be able to drive this summer so I'm not stuck inside. How does this all work?""

How do I rent a car? without any insurance (i have no car)?

So I want to rent a Dodge Magnum, for about 9 days in May through Thrifty.I will be driving from Missouri to Orlando for a vacation. I assume that I will pay the fee for the loss damage waiver (about $11 p/d) Or maybe my credit card might just cover that. But why do they keep refering to my insurance?... I don't even own a car! Else why do they think I am renting? Anyway what advice would you nice people give a dumb person like me as to what I need to do or what other insurance I need to purchase, thanks.""

""Would you buy a health insurance policy if it was not required of you, yet affordable?

a. I'll wait until I'm required to b. No way c. Absolutely e. I want one for free because I don't have a job and I live in my mom's basement

How much will I get back in the settlement from the Car Insurance company if...?

I have a 98' honda civic, 4 door, silver, perfect paint, moon roof, all options automatic locks, windows, mirrors, new tires, 153,00 miles, automatic everything works! I was in a car accident (guy hit me) my car is totalled according to the adjuster... How much will I typically get as a settlement, dont they have to give me enough to be able to atleast replace the vehicle with a similiar or same model w/ same options? i looked up on NADA, KBB & Edmunds... and for my car which is in GOOD condition, not excellent, not fair, not poor, GOOD it runs (based on figures from all 3 web sites) anywhere from $2800-3600... what can i expect so i can start to look around for what i can afford, because im probably just going to buy a car outright like i did w/ this one...I dont want payments, yet.""

How much does liability insurance cost for a night club business?

I'm trying to get a night club business started and i need insurance how much does it normally cost? and what kind do you recommend getting?

Dairyland insurance company for motorcycle?

How can they issue me registration over the phone? I'm located in Michigan and the local office has a different price then what I was quoted over the phone. Over the phone I pay $168, the office said it would be $330. I don't feel uncomfortable getting insurance over the phone but looks like I may have to. Is this okay to do and has anyone else done this before?""

Car insurance in California?

I heard that if you have a car insured in California, each additional car that you acquire that's registered has 30 days before it needs to be insured. Is this correct? If so, where can I find the official documentation?""

Manufactured home insurance?

Has anyone dealt with any companies dealing with insurance for relocatable homes. We are looking for an insurer of these type of dwellings

How much flood insurance do I need in a low risk area?

I called my insurance carrier to get a agent to get a quote. He told me limit option starting at $100K and went higher to match the limits of my Dwelling coverage, and ended by saying ...show more""

What can I do about car insurance from another state? PLEASE HELP!?

Okay basically here's the story. I'm 19, I live with my parents in Wisconsin but I'm trying to move back to Pennsylvania with my aunt and uncle. However I'm not in school at the moment. Apparently if I moved to PA, I'd have to pay 278 dollars more a month through Geico because I'd be living in a different state. I already have a job set up there and all so they could obviously see my paycheck is not from Wisconsin so I can't just lie or something lol. I really know nothing about insurance and how I can work this out without paying that much more. Can anyone help me with other options I could have?""

Car insurance esitimate?

- Male - 20 years old - New driver - Honda Civic - Pennsylvania About how much could I expect to be paying for car insurance?

What type of bike have the cheapest insurance?

Obviously a Harleys insurance is going to be huge, but what would be cheaper a 125cc supermoto, a 125cc naked bike or a 125cc sports bike? Also what make of bike would be cheapest like yamaha or Suzuki, but none of the Chinese crap""

Private Health Insurance options for 62 plus individual?

My aunt (in California) is 63 years old and she has asked me to find a private health insurance for her. I was informed that anyone that's over 62 can't have a private insurance and MUST only use Medi-cal or Medicaid. Is that true? She asked me to check with Aetna, Blueshields, UHC, etc. Any thoughts whether she can get a private insurance from these companies?""

What is a fast car for a teenager that still has good insurance?

I am looking for a car and was wondering what the insurance was like on what. this is mostly for guys who own fast cars and pay insurance on them i was looking for mostly imports but i do also like some american cars. was thinking VW jetta/passat thanks

Does a roommate have to be on my car insurance in Fl?

I rented a room to a lady with no car she is going for a.Florida drivers license soon she moved here from another state where she had a drivers license. Am I required to put her on my car insurance?

On average how much do you pay a month for your car?

Like your monthly bill including insurance. And what year is it? Thanks

How much would car insurance be for....?

a 16 year old driver in PA monthly? with a used car?

Where can i find a good healthcare plan for myself and my kids? more inside?

39 weeks prego with number 2. and neither have insurance except the smallest will have ga medicade when he is born.i am looking for insurance to cover them mostly. and everything i see has at least a $1000 deductible. what is a good way to do this? i am 21 and don't know any thing about insurance. help please :-) i

Lower my car insurance?

My car insurance is high, $1060 for just 6 months because of 2 accidents in the last few years. I am 21 and drive a 2000 Honda Accord Ex V6. I've shopped around and no other company's are lower so don't recommend that. Do you know any tricks to getting your car insurance lowered??""

""I need car insurance, but have a terrible driving record right now. Any suggestions?""

How can I get coverage at a decent rate when I have a crappy driving record?? Ive called about 4 different companies, the lowest rate i found was $209 a month for 6 months. I have 7 points on my record currently!! I cannot get insurance through my parents and i am not married so basically I'm screwed...or I should look into paying a driver to cart my butt around.""

Do I need a permanent address to get car insurance and register my car?

I live in california right now with my parents but I plan on traveling the country for a while living in my car. My insurance will be expired in march of 09 and I need to be smogged around then too. I wanted to leave mid december of this year and get out in the midwest/east for the next few years and just keep traveling. Can I just use a PO box address?? I dont want to use my parents address because they like to go through my mail. All of my friends are leaving to university in differnt states so I cant really rely on any of their addresses.

What is some good cheap car insurance for young adults between the ages of 18-24?

And I mean car insurance that you don't have to pay over 100 dollars for.

Who's insurance will be cheaper?

Someone with a DUI conviction(only one) OR someone who is in their 30's who hasnt had insurance for 18yrs?

When you get a car insurance quote do you pay that amount each month?

Say my quote says 600 dollars is that what I pay a month?

Car insurance for learner driver?

I am a named driver on my girlfriends fully comprehensive insurance policy. Does she have to sit next to me or can anyone who is over 25 and has held their license more than 3 years able to sit next to me if they do not have their own insurance?

Can an insurance company make money on the Ryan plan?

and how? Ryan's plan says that insurance companies have to charge all old people of the same age, the same rate, sick or not... and they can't drop anyone... who would line up to provide this service that would seem to have a neagive profit margin from the get-go? unless they charged everyone 100k a year? I mean this has to cover all the ederly with cancer and all their treatments? right?""

Whats the price for transfering insurance?

Wanted to switch my insurance from my truck thats not running to one that is

""OK so i previously asked how much is car insurance uk,17yearold/girl, bmw compact sport 318.3door?

I ALREADY HAVE THE CAR...I just need to know roughly how much insurance will be next year

Which Is the best car insurance?

Hi everyone!! I am a 20 year old single mother. At the moment, I am studying and also about to get back into work. I have just passed my driving test and looking to buy a car....realistically, I think at this point a used one is ok even though I saw a site that sells cars and you can pay on installments. If I wanted a Ford KA, or a Mini Cooper, or a Renault (the one from the I see you baby shaking that asss advert few years ago), which insurance company is best and can give me a good cheaper deal. Thank you!!!! p.s manual cars are my focal point.""

Motorcycle insuance question?

I am 18 in CA and I plan to get a motorcycle as my first motorcycle because of high gas prices. I am thinking of getting the Kat 600 because of its comfort, I read so many reviews how good it is for long trips and stuff, now how much might my insurance be, also take note that I am getting one used and that I have 0 road experience even in a car, and I am starting my own insurance policy. Thanks.""

Car insurance - UK

My provisonal license will be valid in 2 months when im 17 and once i take my driving test and pass it, i plan on getting a car. The thing is that insurance will be quite high as i would have just passed my test and im only 17. My question is: If i get the car and register it under my mums (or dads) name and put the insurance under their names would it be cheaper? Bear in mind that my parents have about 16 years of no claims bonusus too, thanx xxx""

Advanced driving courses/car insurance?

Hi I am a 20 year old male, i passed 2 years ago, but since my dads insurance went up to 7000 with me as an additional driver both of us totally clean on a 1.4 astra i have been without my own transport as i had to be removed from the policy which is understandable. i've always been a sensible driver with 2 years no accidents or convictions but i have always been an additional driver to save costs on insurance but now the time has come to start building my no claims and i am struggling to find a car i can afford to insure. So long story short what i was wondering was could anybody please tell me of any advanced driving courses or any other ways to lower my insurance quotes and post links to them so i can find them easier. please help its becoming a real nightmare and i am sure if you can help me here you are helping thousands of other young drivers who are being punished because of muppets out there. Thanks for any help i would greatly appreciate it""

Enquiry about car insurance and how it works?

Okay, the question is worded wierdly, but you'll get it :P. Anyway, I have my driving test coming up in April, so I have to be thinking about a car, insurance etc. I was wondering if there was an average of how much car insurance is for the first month after you pass, and how long it stays like this till it starts too go down. Also, is there anyway I can reduce it? I plan on making parents named drivers etc, will this help reduce?""

Average motorcycle insurance?

how much is average motorcycle insurance in Louisiana, if 23 years old bike with 500cc have never crash or get ticket pretty good credit bike use only for leisure and to college help me y'all""

Car Insurance!?

I am planning to buy a used 1992 Honda Prelude for $2,700.00. How does the insurance work? Does the price of the car that I paid or the retail price, plays as a factor of how much I would have to pay monthly for insurance. What insurance company would be the best for a new driver with her G2 only? Does anybody have an idea of how much it will cost me (approximately monthly) for the insurance? What other fees or cost will I have to pay for?""

If I own property and pay insurance from 2 different insurance companies.?

If something were to happen to my property can I collect money from both insurances?

Estimated Cost per. monthly Payments on this car....?

I dont really have time to call my bank & ask.. seeing how my job hr's suck... nor can i go there cause i just sold my car. BUT does anyone know how much i would be looking at for monthly payments of a $7600 dollar Fairlady. If you dont know what this is ..its a 300zx Twinn Turbo but its a RHD ( right hand drive). I make a lousy 8.50/hr but i work 56 hrs a week. ... theres insurance. gas.. tuneups.. etc etc i know i know. just wanna rough estimate on it. thanks. Will choose Best Awnser -Kyrstie

Does anyone know where a 17 year old with a 3.8 grade average and a good driving record can get insurance?

I can't find anyone that will cover him,except Progressive, and they want 1400 dollars a year.""

Insurance agent won't write the homeowner's coverage she wants?

My fiance owns an old home in northern Ohio and was paying over $1,300 a year for homeowner's insurance until last year. She can't afford over $100 a month in premiums so I looked into trying to get a lower rate. All three agents that I contacted about the matter assumed a replacement cost for her house of around $157,000 which resulted in premiums of exactly what she had last year. The very idea of insuring her house for $157,000 is absurd for two reasons. The first is that I personally built a house in an upscale neighborhood which was almost three times as large and also had an attached garage. I sold that home for around $150,000 and made about $40,000 profit. The second reason that $157,000 is absurd is that any day of the week you can buy a much better house in the neighborhood for less than $60,000. I was able to find a lower rate of around $600 a year through the Ohio Fair Plan website by assuming a realistic replacement cost of $60,000 and not including such things as jewelry coverage (she has no valuable jewelry), and other coverages that don't make sense. Unfortunately, and after contacting several insurance agencies, not a one will write the coverage as specified. The gave me the flimsiest of excuses. It appears to me as if all the insurance companies doing business in our area may have colluded to lock in homeowner insurance rates far higher than is justified. I hope someone out there can tell me if there are laws that require some insurance company to issue a policy as specified by Ohio Fair Plan. Thanks in advance...""

What cars result in cheap insurance for young drivers?

What cars lead to new (young) drivers (aged 17/18) having lower car insurances then they would do with the Golf's or the Civics's. I would like to know male attracted cars. Thanks in anticipation

Car insurance?

i am a first time driver, can anyone advise me on who is best for car insurance?""

Do pcv holders get cheaper car insurance?

Do pcv holders get cheaper car insurance?

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.""

Where can i find a good healthcare plan for myself and my kids? more inside?

39 weeks prego with number 2. and neither have insurance except the smallest will have ga medicade when he is born.i am looking for insurance to cover them mostly. and everything i see has at least a $1000 deductible. what is a good way to do this? i am 21 and don't know any thing about insurance. help please :-) i

How much does car insurance go up from a minor accident w/no injuries?

I just got into an accident hitting a car on the freeway, not paying attention, so I hit the car in front of me. He said and his family weren't hurt, but you never know how they will feel the next day. How much will my car insurance go up? I have no tickets on my record & no accidents. I did receive minor damage to my car & a small dent to the other car';s bumper. I wasn't speeding or drinking. My car is a 2004 Honda Civic four door & I'm in my 40s. Oh, I live in CA. Thanks.""

Cheapest car insurance for teenagers?

I have a 16 year old what insurance is the cheapest to put her on

Car insurance for 17 year olds in the UK?

How could i get a cheap car insurance and what would be the cheapest price? every site i have been on it said about 3000 and that would be more then what the actual car costs.

Is it true that in MA your first ever ticket doesn't count against your auto insurance?

Is it like the first ticket is a wash/freebie? or does it raise your insurance points and rates regardless?

Do you have health insurance?

how old are you and how old are your kids?

I was denied medcaid and chips for my 2yr son. Is there any other affordable insurance out there?

I was denied Medicaid which is understandable. I applied for Chips and was denied as well.......because I was $50 over the income guidelines. I don't receive any other kind of assistance. I can't afford the insurance at work. I pay my own tuition for school, my own groceries, and so on. I just would like to know if there is any other type of affordable insurance for my child.""

Can you report someone for driving without car insurance?

i know this person and i was just wondering if you could turn them in for not having car insurance without them knowing who turned them in. I want to prevent someone from getting hurt and not getting there part of the insurance claim or whatever.....anything will help..THANKS!!!!

""Conservatives, what is your overall opinion on insurance companies?""

Particularly: a.) Insurance companies that practice rescission in which a person who has paid into the insurance fund is subsquently denied what he has paid for because the insurance company comes up with an arbitrary reason for denying the needed coverage. b.) Rationing. How do you feel about insurance companies who decide if a procedure is in their best interest and deny to someone a life-saving procedure because it isn't profitable to them in the long run? c.) Denials. Someone who works and wants health insurance and does not qualify for state aid because he actually works for a living and pulls his own weight, but can't find a job with benefits (increasingly common, and why are employers expected to foot the bill for insurance as they don't pay for your car insurance or renter's insurance and this limits job mobility and the ability to start small businesses), and is either outright denied or charged more than his monthly salary? d.) Do you think that if rent, clothing and food cost as much as monthly premiums for people with pre-existing conditions, that we would be in serious trouble? e.) How do you feel about people who had the misfortune to be born with a genetic pre-disposition to an illness, i.e., breast cancer, ovarian cancer, Crohn's Disease, Lou Gehrig's Disease, MS, Alzheimer's, haemophilia, etc. f.) Do you think that an emergency room qualifies as part of preventive, ongoing treatment or that it's not cost effective for sick people to wait until they are at the worst stage to get necessary treatment? g.) Can you explain how several nations, in fact the overwhelming majority, that have universal health care have still remained free, capitalist, prosperous nations, i.e., Australia, New Zealand, Ireland, Norway, Luxembourg, Malta, Netherlands, Japan, Israel, Singapore, Austria, Switzerland, Belgium, Finland.....they didn't go communist, and the people do not live in gulag states.""

Where to find cheap insurance in ontario?

I'm turning 22 had a Kawasaki Ninja 250R as a starter bike and looking to upgrade to something bigger. I have a clean record but any online quote I get for a bike 600cc or higher results in $10,000/year or higher in insurance. I see guys my age riding around all the time on R6s and CBR600RRs and I don't understand it. Am I missing something? Any suggestions would be greatly appreciated.""

How much should I expect to pay in Homeowners Insurance?

I am looking to buy a home and am trying to calculate monthly cost. The home we're looking at is $95,000.00. Our taxes are estimated at $800.00 and the home is in great condition (the rural location makes it affordable!) Any quick tips for a quick estimate? Anything would be helpful! Thanks!""

Is an acura integra cheap on insurance?

my son is thinking of buying one

Car insurance please help me out?

Oh right lol my query is as follows .. In July 2012 my daughter took out a pay monthly insurance policy with close premium 139 per month which was paid from my bank account every month on time for 12 months. When due for renewal August 2013 the insurance company sent her a quote saying payments were 168 per month! In view of this she decided not to insure her car and didn't use it. Shortly afterwards she receives a letter from close premium saying Hastings insurance could cover her for 100 per month but she never accepted this offer. In September 2013 Hastings took payment from my account so I contacted bank and recalled the payment. She now has a recovery agency acting on behalf of Hastings claiming she owes 400 . I can't see how she owes this money ? Do we have to pay this when we never accepted the policy and close premium passed on my bank details without my knowledge ? ( hope this makes sense)

Short term or long term disability insurance?

Which company offers the best short term or long term disability insurance? (price and coverage) I recently found out that I might get blind in future and need to have some income to support my family when I loose the job. I am having trouble understanding the system but would be great if anyone could help me out. I don't even know if these insurance thing can pay me with being blind. Thanks.

How to get cheaper car insurance?

I haven't yet passed my test, or even got a car, but was just researching to see if i could afford it. and the cheapest I could find was 3,000 a year which is impossible for me seeing as I'm at college. I was just wondering does anyone know of cheap places? or ways to cut it down by a bit? I have no one else in my house who drives, or even owns a car. thank you""

How much will my insurance go up after I've gotten a speeding ticket?

I got my first ticket when i was 14 and it was a $10 ticket. i recently turned 18, and i just got pulled over again. it was an $11 ticket. i dont want to tell my parents, but i know the insurance rate will go up, but how much? i live in north dakota.""

Can u use your parents health insurance without them knowing?

i wanna go to the doctors without my parents knowing using there insurance. is it possible? and i live in california and im 19 years old. help:(

""California learners permit, do you need insurance?""

California. Do you need insurance while u have your permits or do you use your parents? If no, I get insurance after I take my driving test? And can you have a passenger with you when you have a permit? Like an adult right next to you and your sister sits in the backseat.""

What does this dental insurance code mean?

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

How much would it cost for insurance on this car??

Ok so i'm about to go for my license in december and my awesome brother is generously giving up his 96 Toyota Supra. As of now I have 1 job that gets me 300 every other week. And I'm poor and I have a cheap prepaid phone and cheap clothes. My question is will I be able to pay for my insurance on this salary. And I have like 3000 saved up. could I just pay for insurance for a whole year?

Health Insurance (Prescription insurance denied) Why?

Bad title for this question I know. I have never really had to go to the doctor for anything, ANYTHING. Recently I went to go see one because my energy level has been horrible, and I am always fatigued. After seeing the doctor, and getting lab work done, I had spent almost a $1000 dollars. But still, I'm okay with that, if its like one visit every six months or so, so what. Anyways, they found my Testosterone levels to be really really low. So they put me on a medication called androgel. Let me tell you, I can only get 15 days worth of this medication at a time, but every time I go to Walgreens to get a refill, I spend hundreds. Tonight when I picked it up it cost me $268.41. I called everywhere to see about health insurance, even though I only need help with prescriptions. I dont know what to do. I dont need all out full fledge health insurance. But apparently if I tried to get it anyway, I would be denied due to a pre-existing condition ((WTF))!! Apparently the only people who can qualify for health insurance are those who dont need it to begin with. And those who need it are denied because of a pre-existing condition. They are no programs that help with prescriptions that I know of, that dont require tons and tons of paperwork, audits, background investigations, and appointment after appointment. I am really upset and am lost with regard to getting the medication my doctor says I need, reduced in price. I cant afford almost $600 a month. But if even if I try to get health care, i will be denied. Could someone please help me out : ) Thanks for checking out my question I dont have health insurance because I never needed it. Plus I have always been responsible with my money""

Can I own a car and have someone else insure it?

Ok I'm 19 and currently own my own car and the pink slip is under my name but I know if I get insurance right now it will be high so I was wondering if my dad can insure it while I drive it under my name. I live in California and my dad has State Farm. Thank you.

Auto insurance question?

I'm going to be working for a delivering company and I need proof of insurance. I have it, but the car I'm driving is my mom's so the name on the card obviously isn't mine. The company I'm going to be working for needs proof that I have insurance and I don't know what kind of paperwork would work. Any ideas?""

Who has cheapest car insurance in florida?

Who has cheapest car insurance in florida?

""Can anyone tell me approximately, how much car insurance is in southern ireland for...?

20 year old female using peugeot 306 car? just passed test btw!

""If I buy car under parents name and insurance, will it be cheaper?""

I'm looking to change my car, residing with parents, if I buy a new car say under my dads name, with insurance under his name, will it be cheaper if I was to be added to that policy? Compared to having the car in my name and insurance as well? Thanks""

Where can i find a good healthcare plan for myself and my kids? more inside?

39 weeks prego with number 2. and neither have insurance except the smallest will have ga medicade when he is born.i am looking for insurance to cover them mostly. and everything i see has at least a $1000 deductible. what is a good way to do this? i am 21 and don't know any thing about insurance. help please :-) i

https://www.linkedin.com/pulse/can-my-apartment-management-include-premiums-renters-insurance-jones"

[decadenttimetravelmentality-blog]

Workers compensation insurance in Kentucky?

"Workers compensation insurance in Kentucky?

My friend works for a company and recently they have been taking out extra money from his check. I am talking about $200-$400 a week depending on how many hours worked. When he asked about it, he was told it was workers comp. Should he have to pay for this or is it his employers responsibility to hold this insurance on the employees. He have worked for this company for more then 10 years and this is a first.

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

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How much would it cost for car insurance?

around how much would it cost to insure a 16 year old female with a 1987 ferrari 328 (roughly $28,000 on yahoo autos)? btw the insurance is aig""

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How much is car insurance for a 16 year old in CA?

anybody know?

Can I get Car Insurance on my own?

I'm 17 and ive had my license and been insured since 5-3-2013. But my parents are cancelling me off of their insurance because they found a pistol grip in my truck and are convinced im some type of thug gangster when in reality i was at a friends house helping them clean his dads gun and i guess they had just left it in their. But they said if i can find a insurance company that will take me without my parents having to be responsible for any mistakes i make (like if i got a speeding ticket their insurance wouldn't go up) I can still drive as long as i pay for my own insurance etc. I'm still in high school but i work a full time job because i get out of school at 10:30 everyday so i can afford insurance plus i do alot of side work. It's a real messed up situation because the truck i have now i payed 2500 cash for it after saving up for 3 years and now my dads selling it and taking the money because it was in his name so nothing i can do there. im selling most my stuff so i can buy another car. i just need insurance. I really need a license so i can continue to get back and forth to school and work. Please any help would be much appreciated.

Car insurance..please answer?

Basically my dad is paying 1600ish pound for an insurance policy, with me as a named driver on his car, that was a few months ago he got that, however now, if we was to do the same policy because we have had the car for a few months it would be 1100 ish, if my dad got a new car which he is thinking of doing, and transfered the insurance onto that (substituted it) but the car was a bit nicer and slightly more expensive to insure, would the price inrease because of the car, or decrease because im slightly older and insurance is getting cheaper for me""

Are there other ways to get your car back from the insurance company?

i went to pay my insurance company and they when i payed it they wanted my i.d so i was looking for my license where it was no where to be found so i looked for it around my entire house from top to bottom and the company refuses to give my car back untill i have some type of identification....i cant fin dit anywhere ANYWHERE! is there any other way? social security, birth certificate something!?""

Insurance Cost On two different cars?

Would the insurance on an 2008 Ford Fusion be more than a 2006 Cadillac CTS? I live in Maine.

How much (Aprox.) would car insurance cost for a living in Iowa?

19 year old male living in Iowa, zip code 50659 '96 Camaro.""

Which is the best insurance web site?

I just wanna which is the best insurance quotes website?

Why did the president veto children's health insurance plan?

I don't understand.

Workers compensation insurance in Kentucky?

My friend works for a company and recently they have been taking out extra money from his check. I am talking about $200-$400 a week depending on how many hours worked. When he asked about it, he was told it was workers comp. Should he have to pay for this or is it his employers responsibility to hold this insurance on the employees. He have worked for this company for more then 10 years and this is a first.

What is the cheapest way to get insured on a Ford Fiesta 1.2 for an 18 year old?

Hey, I just passed my driving test and the trouble is insurance :( I've found the perfect car for me which is a Ford fiesta 1.25 studio, 2006 model which has done 49000 miles and is valued at 3800 pounds. The insurance is nearly triple the amount of the car which is something I simply cannot pay. I was considering coverbox or insure the box but I'm not too sure. I've been researching online for a good few months now and all price comparison websites and insurers' websites seem to be suggesting the same price. So please if you know how to get cheap car insurance for a 18 male who has 0 months no claims, I would appreciate your help :)""

Why don't parking tickets affect your insurance?

I used to be amazed at the number of tickets other students used to get when I went to college. Sometimes I'd walk by a car that had been there for at least a day, given the number of tickets that decorated the windshield. From what I gather, parking tickets are not moving violations, so therefore it's not the same as traffic tickets. (Which might explain why they cost so much less.) Is it because parking tickets aren't moving violations, they aren't covered by traffic safety laws and therefore aren't really covered in traffic school? Do parking tickets go on your driving record?""

Where can i find cheap/affordable auto insurance?

I need to find cheap auto insurance but I have agoraphobia. Anyone know of any cheap auto insurances that i could get online?

How much does it cost to insure a child care center?

I am enrolled in a college course called Administration of Early Childhood Programs. My final project is creating my own child care center (the project covers everything and is very detailed so we can use our materials if we actually do open up a center). Anyways, I am stuck on one part of my budget. I have been researching for hours and cannot find what my estimated cost of what liability insurance would cost me per year. Because this business does not actually exist I am having difficulties obtaining a quote from insurance companies. My center is licensed for 140 children at one time. If anyone has an estimated cost or a source that would give me an average cost per child or an insurance estimate calculator or anything like that would really help. Thanks!""

Subsidized health insurance for age 55+ in California?

Is there a subsidized health insurance program for people age 55+ in California? I used to live in Massachusetts where my father-in-law has MassHealth insurance coverage. Any program similar to that in California? Thanks!

Why do we need health insurance?

People complain about not being able to afford health insurance, and people aslo complain that the health insurance they do have doesn't cover what they need it to cover. Doesn't it seem more like health insurance is the middle man that keeps the price of health related goods and services at such a rate that is unattainable by the majority of US citizens? Wouldn't the tens of thousands of doctors be forced to lower their rates to an affordible rate if health insurance, as a standard practice, was abolished?""

""In general, how much is health insurance?

Life insurance?

Where is the best website to compare pco insurance prices?

fully comprehensive i would like a quote straight away. some websites you give all the details and it says that the company will contact the person regarding the quote. i want to compare mini cab insurance not taxi insurance. thank you so much in advance. :)

Can i get insurance on my car with out a licence?

Im 18..and i have a car..i dont have a licence yet...only my permit..so can i still get insurance on the car with out a licence?

16 year old male car insurance?

I am currently 15 and going to be 16 and getting my license . I am going to be driving a 1997 chevrolet corvette. Ik this is going to be exspensive but my parents are going to help alot. I was wondering about how much i would be paying?

Cost of Insurance for Nissan 350Z?

I am 18 years old (about to turn 19) and gonna buy a 350Z (well my parents are). I have always wanted one and I am getting it for looks and commuting only. But to be safe, I will buy a police radar and install a kill switch as soon as I get it. My question is how much would insurance be for a 2004-2005 Nissan 350Z? Would it be better to buy the Z in my parents' name under my parents' insurance? Also, I am curious of how much do any of you pay for a car like a 350Z.""

Car Insurance Am I covered? The car has it but im not on the insurance!?

I had a wreck saturday, im not on the insurance but the car has insurance.. I was just barrowing the car.. Would it still be covered and be able to get fixed?""

Now that health insurance companies must give a rebate to companies for group plans?

that don't completely utilize coverage, according to an obscure audit formula, will those insured under the group plan feel guilty if they have to use it and it affects everyone in the plan's annual rebate check? And how will insurance companies make up for this loss?""

Difficultly getting car insurance ?

i am 17 years old and my mom is buying me a car from a private dealer. the only problem there is is that my mom doesnt have a license so i have no way to get car insurance. i was wondering could i get insurance by myself if my moma signs the papers with me? also can i get a car's title in my name since im 17yrs old?

Things that could lower my insurance rate?

I am most likely buying a 2001 ford mustang: -v6 engine, 5 speed manual 140,000k miles 2 seater it has a stage 4 racing clutch, its blacked out.. paint, rims, tinted windows, (headlights might have a tint idk tho) i am a sophomore in highschool, i have never received anything lower than a B, and my gpa is a 3.75. i want to know as many things that i can get done to this car in order to force the insurance rate down: iv heard of theft systems and keeping grades low.. but what else? i was thinking of getting a bluetooth? thanks""

I'm 16 years old and looking for a cheap scooter(ped) or scrambler...how much is the insurance on them. :-)

how much about i know you can get a quote but you have to enter all your bikes infomation and i havent got a bike yet... if its to much money ill just save up for a car. i just need something to get back and forth to work

Car Insurance Fine costs driving without insurance on one car but had 3rd party on another?

Being a bit stupid I didnt relise I had to inform my insurance company that I changed cars and was stopped by the police for no insurance even though they proved that I had insurance on my previous vehicle 3rd party whic

How much is insurance for a motorbike?

I am 18 years old, own a 125cc 2011 brand new honda cbr, currently m1 license holder. Live in the suburbs, so not a lot of traffic. That's all the info I can think of that's relvent. So can anyone with information tell me how much insurance might cost a month?""

Auto Insurance Quote?

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

Insurance help please?

When buying car insurance, I'm looking at fully comprehensive what is volentary and compulary excess? Hwta do these amounts mean. Also, my car got broken into twice this year and my partner was in an accident so we have a LOT of claims... Any tips for keeping my insurance down? Im trying all of the search engines, but this is busting my brain!!""

What do you do when he doesnt have car insurance?

I was in a car wreck two weeks ago. We thought he had safe auto to the police report which is a nightmare but which made it worst he has no insurance at all. He had been drinking early but did not blow enough to go to jail. What can be done about him driving without insurance and drinking

Where can i get a health insurance quote?

are there any sites for oklahoma health and life insurance quotes?

Car insurance for teenagers?

Im 18 and I own a used car. Never a trouble maker. I have a part time job. I want to know what insurance I can get for my car that is affordable.

What will i have to pay for car insurance?

Im a new driver 16 years old and I am male. I live in pennsylvania in a small city of around 6,500 people and I would like to know how much i would probably estimated be paying a month for my car insurance. I Drive a 1998 Dodge Neon Highline. I dont know if anyone can help me but if you have some place were i can go and get a estimate on what i will probably be paying for car insurance it would be greatly appreciated.""

Should i get life insurance for my child?

my child gets ssi money every month and we really do depend on that money and our child has a health condition that she could die with in a year or so or she could get better with a miracle and life a happy life i dont know is i should get life insurance for my child or not who is any a year old. if so please say where i should go to get one?

Workers compensation insurance in Kentucky?

My friend works for a company and recently they have been taking out extra money from his check. I am talking about $200-$400 a week depending on how many hours worked. When he asked about it, he was told it was workers comp. Should he have to pay for this or is it his employers responsibility to hold this insurance on the employees. He have worked for this company for more then 10 years and this is a first.

https://www.linkedin.com/pulse/life-insurance-i-dont-feel-right-company-julio-webber"

[samuelfields]

Perhaps Bribing For Admissions Starts In Preschool

March 12, 2019 is a day I’ll never forget. Not only did the college admissions bribery scandal break that morning, we found out our boy got waitlisted by two preschools. Waitlisted is really just a euphemism for rejected.

The first preschool was a Mandarin immersion preschool I’ll call PooPoo about 20-25 minutes away. We had to go for an initial one hour tour, then a 30 minute parent interview with the admissions director who was hacking up a lung that day, and then a final play date interview along with 11 other kids and parents.

It was an arduous process that we found unappealing, especially given the commute. During our application process, the school canceled its 4-day a week part-time program in favor of only 5 full days a week. We found this to be too much for a 2.5 year old.

The school seemed like it was being run more like a business first, and a school second with its massive $1 million fund raising banner in the entrance and its decision to go 5 days a week in order to charge their full $31,240 a year in tuition.

Given these issues, we were not disappointed when PooPoo waitlisted our boy. We had already decided he wouldn’t attend. Spending $31,240 a year on tuition for a 2.5 year old felt extremely unnecessary. I speak Mandarin and we could use the money to live in Taiwan for a summer instead.

The second school we applied to I’ll call PeePee; it’s about a 15-18 minute drive away. We liked the school because it had a two day a week program that runs from 9:30am – 12:30pm for $8,500 a year. We thought this was a more appropriate transition for a young toddler first experiencing a school setting.

The only problem with the school is that it’s not very racially or socioeconomically diverse. Further, 11 of the 12 available spots for this upcoming preschool year for 2-3-year-olds were already preassigned for siblings. This ensured further homogeneity.

The Executive Director personally reached out over e-mail and told me that 80 people applied for the one open non-sibling position, which meant that they only had a 1.25% acceptance rate.

Given we had no connections to the school, don’t look like the majority of parents, don’t have any status since we didn’t tell them we run this site, didn’t donate any money, and learned the application numbers, we weren’t surprised about the rejection, just a little disappointed.

Bribes Might Start As Early As Preschool

I wasn’t told the application statistics by PooPoo because they didn’t personally reach out like PeePee. They basically sent a blast waitlist/rejection e-mail. But, I’ve got to imagine the application statistics are similarly dire.

1.25% would be the lowest college admissions rate by far in the country. If parents were willing to spend $250,000 – $400,000 on average to get their kids into colleges like USC with a 17% acceptance rate, it makes me wonder what parents would do to try and get them into the most hoity toity of preschools.

The parents sending their kids to the two schools we got rejected from have very similar racial and economic profiles as the 33 parents who’ve so far been caught by the FBI. I spoke to many of them during our interview process and learned their backgrounds: bankers, techies, entrepreneurs, venture capitalists, executives, lawyers, doctors, etc. Preschool could very well be where this entire bribery culture starts.

But then I started to think things through because unlike the college admissions bribery scandal, there aren’t any tests to manipulate or rowing coaches to illegally bribe.

Instead, you just basically contact the admissions director and tell them you are willing to donate a large sum of money to the school for expansion or educational purposes and would like to be a part of the community. You must reach out because preschool is ground zero. That, or the school knows who you are and recruits your family.

With a 1.25% acceptance rate at PooPoo, you’d think I wouldn’t know anyone who sent their kids there. But in reality, I know several parents whose kids went there and they are all extremely wealthy. Donating $100,000 – $200,000 for their kid to play with wooden blocks would mean nothing to them. I didn’t bother to ask them for a recommendation because I don’t know these parents well enough nor did I care enough.

Legal bribery in the form of quid-pro-quo donations has always been around and looks like it’ll always be around.

Also, I realized that because wealthy people can more easily afford to have multiple kids in expensive cities like SF, NYC, LA, Boston, and Washington D.C., the elite institutions starting from preschool through college will continue to be geared towards the wealthiest people in America who mostly look the same.

For those who don’t know, younger siblings basically get preferential admission into the preschool, elementary school, middle school, or high school their brothers or sisters attend, so long as they aren’t a screw up or they meet a minimum academic standard. The preferential treatment gets less with each schooling level, but it’s there, even in college.

Legacy admissions is the biggest affirmative action policy of them all.

But I understand the sibling preferential admissions policy because you want to maintain continuity in the family. The school has also built a relationship with the family and it would be extremely awkward to reject a sibling. But such rejections do happen.

However due to the nature of homophily, people of a certain class and race tend to hang out and support each other. We know that all parents want the best for their kids, so I don’t blame these schools for accepting the same types of children year after year.

Don’t Worry About Us

Although we got rejected by two schools, we got accepted by one I’ll call WheeWhee! A 33% hit rate ain’t too shabby.

The school we got accepted to came highly recommended from my wife’s ex-coworker and one of my tennis students at the high school I currently coach at. It was the first school we visited and applied to a year and a half ago.

What’s great about the school is that it’s diverse, not rigid, super friendly, and is only a five minute drive away. The short commute really is a blessing.

Having to drive to the other two schools made me feel like I was driving to work. With WheeWhee, it feels like I’m just going down the hill to my neighborhood grocery story for a bagel.

The tuition at WheeWhee is not cheap at $1,800 a month for five full days a week. But we have the option of going half days each day or three days a week for $1,400 a month. Further, we can go month-to-month if we decide to go on an extended vacation in the future.

The admissions director told us they get on average 200 – 260 applications a year for 12 spots. Only three of the spots are reserved for siblings. An acceptance rate of 3.5% – 4.5% is still quite low.

Our lucky break for getting in was when we started to get to know one of the teachers randomly at the California Academy of Sciences where we take our son three times a week. We started bumping into him at least every week for at least a year. As a result, he felt comfortable recommending us to the admissions director.

We’ve now got a decision to make.

Do we put down a deposit for the spot or give it up so we can remain free to relocate. We aren’t entirely sold on the necessity of putting our son in preschool before three years old since we are both full-time parents. We also might end up in Honolulu and send him to preschool there if the summer works out well.

We’ll probably put down the deposit and ask for a refund if we change our mind. They won’t have trouble filling the spot anyway with over 200 applicants a year. Besides, the school year starts in August, so we’d have at least two months in Hawaii before having to come back.

The preschool application process requires you to be on the ball. Given the amount of demand, any missed deadline will eliminate your chances of getting in.

You’ve got to interview well, write a comprehensive application, and consistently show your interest by attending events and following up. Even if you do everything right, the chance of admission is still low in many big cities.

But don’t worry too much. Every kid will get in somewhere if they apply to enough places. Some spots open up randomly throughout the year as well. It might not be the ideal school, but so long as the children are loved and kept safe, that’s all that really matters.

It’s just preschool after all!

Related:

Navigating The Preschool Admissions Process

Perpetual Failure Is Why I Continue To Save And Invest So Much

Readers, do you think there’s a lot of legal bribing at the “prestigious” preschools in your city? Why do people care so much about where their child goes to preschool so long as they are safe and learning? Is there any more educational research you would like me to do and write about?

The post Perhaps Bribing For Admissions Starts In Preschool appeared first on Financial Samurai.

from Finance https://www.financialsamurai.com/perhaps-admissions-bribing-starts-in-preschool/ via http://www.rssmix.com/

[itsworn]

Jamie Marsh’s 1993 Ford Mustang Fox-body is a Roush Stage 3 Tribute

“The car was built to be a reliable driver, while still handling the occasional autocross or track day,” says Jamie Marsh from Lancaster, South Carolina. “The upgraded brakes and springs, along with the added power of the supercharger, have made the car a fast, reliable weekend warrior.”

Jamie’s Fox-body started life as your run of the mill Performance White 5.0 LX hatchback with an AOD. Since the car first rolled into the dealership brand new, this 1993 5.0 LX has always been a part of Jamie’s life. It all started senior year of high school when his best friend, Isaac Rush, received the then brand-new Fox-body as a graduation present. Jamie even tagged along to the dealership with him to pick it up. Senior year was full of memories in the Fox-body, and after that Isaac used it to commute to and from Wilmington for college for several years after that.

During those college years, the LX fell victim to wheel thieves, and at the expense of the insurance company, Jamie’s friend opted to forego the standard silver ponies, and ordered some factory summer edition white ponies as a replacement.

Not completely content with the Pony R wheels, he vigorously searched for a set of 1999-2004 18-inch Roush wheels to complete the 1993 RS3 look. After a long search, he found a set of flaking 18×9 Roush wheels that he completely stripped down and refinished in a shade of white that almost perfect matches the 20-plus year old factory color.

After college graduation in Wilmington, the car made its way to Virginia Beach. Always wanting a five-speed manual, the car was retired from daily driving duties and was swapped over using a fresh factory Ford T-5Z with all accompanying hardware. Soon it was sporting FRPP B springs, FRPP shorty headers, 3G alternator, Kenny Brown subframe connectors, and 3.73 gears. The interior was given an Auto Meter Ultra-lite amp; oil; and water gauges below the radio; and a FRPP shift knob.

As most of us know, life goes on and time changes things. Isaac was soon was engaged, and he lost interest in the car. Jamie purchased the car from him in 2008. “I had just wrecked my Honda autocross/road race car, and was looking to mod this thing to autocross and track,” Jamie explains.

Getting straight to work, Jamie swapped over to 1995 front spindles and hubs and fitted the front with 13-inch Cobra brakes and installed 5-lug drums on the rear. For better handling, he added Steeda competition springs and caster camber plates from Maximum Motorsports. He then swapped out the shorty headers for MAC longtubes, a MAC 2.5-inch x-pipe, and one-chamber Flowmaster mufflers and tailpipes. To set off the exterior, he went with a set of Chrome 2003 Cobra wheels.

Fast forward to 2010, and Isaac expressed interest in buying the car back. “I had other projects at the time, and didn’t mind one bit,” Jamie said. Isaac requested a set of factory Ford Bullitt wheels in place of the chrome 2003 Cobras, and Jamie was happy to help.

Three years had gone by, Jamie’s longtime buddy decided to buy some land and build a house and the car was offered back to Jamie yet again. “In April of 2013, I drove the car through snow and crazy weather to bring the car back home to stay this time. I wasn’t sure what I was going to do with the car, but I did have a polished Vortech SQ supercharger that was intended for a previous project, so that was a definitely part of the master plan,” Jamie tells us.

Right around the same time, another good friend had picked up an old Roush intake at the Autofair in Charlotte, North Carolina, from Sam at Out to Pasture Pony Parts. “None of us really knew anything about it, but I did know this would make the perfect centerpiece for my build,” Jamie says. “We hadn’t seen one in person, and I was able to talk my friend out of it and started researching. Luckily, the intake was mostly complete. It still had some of the key pieces to make it work.”

The metal gaskets were intact, as well as the intake specific fuel rail. With it being set up for a supercharger, Jamie knew it was meant to be. After doing some digging, he found out that the intake was taken from a 1995 Roush Stage 3 Mustang out of a performance shop in California. It also sported serial number 0007 out of just 100 of these intakes produced.

“According to a reputable Roush forum, only 18 were put on Roush turnkey cars, hence the serial numbers,” Jamie explains. “The remaining intakes were put on sale to the public but didn’t sell well due to the price. They sold kits to fit Fox cars, but were mainly intended for the 1994-1995 models.” That’s when Jamie found out that he had a rare piece on his hands.

The initial plan was to install the Roush intake with the Vortech SQ supercharger and leave the car stock otherwise, but then he thought, “How is anyone going to know about my special piece of history under the hood?” That’s when the idea came to life of building the car around the Roush intake and to make his very own version of what a Roush Stage 3 may have looked like back in 1993 if Jack Roush had made a turnkey car.

“The first step, the installation of the intake, was more difficult than anticipated,” Jamie said. The intake was huge, and it required things that had to be procured that he wasn’t aware of until after they had started the process. Jamie and a friend decided to do the install a week before Mustang Week 2013, and they ended up pushing hard to get it finished. For the intake to work on the Fox, it needed two 1994-1995 style valve covers without oil fill holes, a 1994-1995 throttle linkage, and TPS.

“I had very little time and was lucky enough for Mike at East Coast Mustang to get me everything that I needed,” says Jamie. “Along with the intake, we installed GT40 heads reworked by Kannapolis Engine Service, a MSD Digital 6AL, a Contour dual fan setup, an upgraded aluminum radiator, 340lph in-tank fuel pump, 42 lb/hr injectors, the previously mentioned Vortech SQ supercharger, and an Auto Meter boost gauge mounted Roush-style in the AC vent.

After that, Jamie added 1995 Cobra 11.65-inch rear brakes to complement the front 13-inch Cobra brakes already in place. To tie everything together, Rob from Powercurve Motorsports got the car in at the last minute and got it tuned and ready just in the nick of time for Mustang Week. While there, the car made 419 horsepower and 401 lb-ft torque, even with the stock cam and stock rockers.

After the week full of Mustangs and sunshine in Myrtle Beach, Jamie decided it was time finish off the look. He purchased a set of Corbeau LG1 seats and harnesses, and Matt at Fox Mustang Restoration rewrapped the rear seats in matching fabric.

Fast forward to Mustang Week 2015, Jamie submitted a photo and a short description to Gibson exhaust as they were searching for a display car. Jamie was lucky enough to display his Roush tribute Fox-body as their Mustang Week display car to show off their new BMF muffler series. “Gibson exhaust sent me a pre-production handmade set of their new BMF mufflers before Mustang Week, and the car was started and revved numerous times during the event, and everyone loved the sound,” Jamie tells us.

In the summer of 2016, he was contacted by Mike Rey, the marketing director for Roush, who had seen his car at Mustang Week and offered a personal invitation for Jamie’s car to be displayed at the Mustang Memories show at the Ford World Headquarters in Detroit, Michigan. The car would sit in a special section dedicated to 40 years of Roush. “I was beside myself, but knew that the 11-hour drive, hotel and traveling expenses, and time off work were probably more than I could afford, and I had to politely turn him down. As soon as a couple of friends heard about the opportunity, they told me that I had to go. They graciously helped me with the expenses, and we made the August trip. It was awesome to be parked right next to the Roush trailer in my creation with these other beautiful Roush cars,” Jamie said. Jamie was presented with the Roush sponsor award for the show.

The biggest highlight Jamie’s build came earlier this year at a Roush Fenway fan appreciation day. He had taken the day off to attend the event hoping to take a piece off his car for Jack Roush himself to sign. Upon arrival, he was told to park in a grassy area, which required driving over a 3-inch concrete curb. Jamie knew the car couldn’t make it over and tried to back out of it. After some trouble with the parking attendant, Jamie ran into Lyle Sturgis from Tindol Ford, one of the key organizers of the event, and he recognized the car. Lyle told Jamie to go ahead and park beside the other Roush Mustangs at the event. “All of the actual parking spots were full so Lyle directed me right between the display and the other Mustangs, and then asked if I would like Jack Roush to sign my car. I couldn’t say yes fast enough!”

Jack was going to be spending a few moments with each Roush owner and sign their cars. Jack went down the row of newly purchased Roush Mustangs and as he reached Jamie’s car, his first words were, “I don’t remember building this car.”

“Lyle introduced me to Mr. Roush, and I began to explain to him what I had done. He told me the car looked good, and that I had done a good job. He then went on to sign my dash and Roush intake.” Jamie explains. “I knew at that moment that I had done something right.” A big thank you goes to out his high school friend Isaac for selling him the car and giving a great starting point for his creation, longtime friend Billy White and his dad Rick White for their help turning wrenches, East Coast Mustang’s Mustang Mike for the hard to find parts, Kannapolis Engine Service for the great work on the heads, and Rob at Powercurve Motorsports for a reliable and safe tune, his wife, Barrie, and son, Cooper, for having patience with his hobby, and last but not least, thank you to all the members of Southeastern Foxbodies for all of the support and friendships.

The post Jamie Marsh’s 1993 Ford Mustang Fox-body is a Roush Stage 3 Tribute appeared first on Hot Rod Network.

from Hot Rod Network http://www.hotrod.com/articles/jamie-marshs-1993-ford-mustang-fox-body-roush-stage-3-tribute/ via IFTTT