#so i get to spend $85 to go to urgent care in the morning

[amyisherenowitsokay]

flu 2: electric boogaloo

now playing in theaters

Mini update: pushing this weeks chapter because my coworkers gave me their shitty cold, on top of being on my period. Body is in shambles. Have a blurb as apology.

[childcareseer]

The Child Care Industry is in Crisis. Solutions Lie in Innovation

With demand for quality childcare spots far outstripping supply, the childcare industry is begging for innovation. Successful operators of the future will respond to Americans’ changing lifestyles by offering more flexible care arrangements. Technology can help centers become more profitable by better matching available capacity to the precise hours parents want.

The career that led up to that fateful 2017 decision to purchase the daycare—a business I have expanded into two locations and a child care management software business under the umbrella of Callahan Learning Center—gives me a somewhat unconventional perspective on the needs of this essential industry. My background is in engineering development. I earned a degree in electrical engineering from Grove City College in 1997, obtained my MBA in 2002 and worked for decades to build a successful career as an executive and entrepreneur in the wireless communication technology and software industry. I hold numerous patents, I’ve invented multi-million-dollar product lines, and I’ve been involved in more than four startups from cradle to exit, including my most recent startup selling for $200 million in 2019.

At heart, I am a problem-solver. I have found great professional joy in combining the problem-solving skills I learned as a software engineer with time-tested philosophies on managing and motivating teams to build healthy and profitable enterprises. When I bought a local daycare business, I discovered an industry screaming for software innovation. That discovery launched my journey to build a better daycare—one of the most fascinating problems I’ve worked on.

An industry in crisis

You don’t have to look hard to find people sounding the alarm on the severe imbalance between supply and demand in American child care. Before the onset of the COVID-19 pandemic, a mere 23% of children under age 3 could be served by the available licensed child care slots in their communities, according to a survey of child care supply in 19 states and the District of Columbia conducted by the Center for American Progress. The mismatch between child care supply and demand costs the American economy an estimated $57 billion a year in lost earnings, productivity and revenue, according to research by the Council for a Strong America.

These studies were conducted before the onset of the COVID-19 pandemic, which has put a ton of bricks on the accelerator of what was already a worrisome trend. In April 2020—just weeks into the crisis—the National Association for the Education of Young Children (NAEYC) surveyed workers in child care centers and family child care homes in all 50 states. At that time, nearly half of respondents reported that their center—like Callahan Learning Center at the time—was completely closed. Of those that were open, 85% were operating at less than half of their enrollment capacity. The stress on these centers as the pandemic has continued has been immense. A July survey by NAEYC found that if the reduced enrollment and increased operating costs brought by the pandemic were to persist, only 18% of child care programs expected to survive another year. Yet the demand for good child care is only going to grow as the post-pandemic economy thankfully starts putting more Americans back to work.

This is an economic inefficiency that is begging us for a market solution.

Matching demand more precisely

At its most basic level, child care is the business of matching people who need care for their children with individuals who are willing to provide that care. In America, we’ve been going about the business of addressing this market demand pretty inefficiently for years. Most child care centers sell care in standard quantities designed to match a typical “9-to-5” work schedule, while only 62% of Americans would prefer to work the ‘typical banking hours’ of the 50s, according to a 2018 survey.

In complete truth, to keep a spot in these centers, many parents end up paying for child care hours they aren’t using, be it unused hours each week, or needing to pay for care during vacations to hold their spots. This setup also prevents center operators from being able to charge a higher rate for smaller and more irregular quantities of care, which would benefit both the center and the families who would gladly pay more per hour for the hours they need versus paying by the week for hours they can’t use.

In the 21st century, we’ve learned that matching market supply more precisely to demand can reap rewards for both consumers and providers. For instance, Uber and Lyft have allowed urban dwellers to stop paying for cars that stay parked most of the time—or make an economic return on that excess automotive capacity. Another example is Airbnb, which has allowed travelers to find lodging in the heart of the neighborhoods they wish to visit, and often without the minimum-night requirements of traditional resorts. Instacart lets us be more efficient in the time we allocate to buying food—while allowing grocers and paid shoppers to charge a premium for items purchased through the service.

We often don’t like to think about applying cold economic principles to something as personal as the care of small children, but the reality is that this is already happening, to the detriment of American working families. The American 9-to-5 office job is quickly disappearing, and the child care industry has not kept pace with this trend. In addition, many existing jobs—from surgeons to paramedics to restaurant workers—demand irregular and unconventional hours that aren’t often served by traditional care offerings. As the millennial generation—whose members seek unprecedented flexibility in their work-life arrangements—is now entering parenthood, it is urgent that the child care industry evolve by providing a product that matches their lifestyles.

Strong child care businesses can no longer be built on providing set offerings of full- or half-time care, but instead must offer a more customizable menu of options. This requires some of the same software-based solutions that have brought us on-demand transportation, lodging and grocery shopping.

Defining the problem

Labor makes up more than half of a typical child care center’s costs, so in the first few months I owned Callahan Learning Center, I spent a lot of time trying to understand how my center director scheduled staff. I watched as she worked her intuitive magic week after week to match our available educators with the children in our care. While this skill was highly impressive, it was also impossible to replicate. As I watched the process, I wondered, “What happens if she gets sick or leaves this job?”

I thought for sure someone had created a tool to help with this.

I tried some of the leading software tools on the market. While many of them kept good data on where children and teachers were yesterday, and where they were today, nobody was helping me answer the question that I believe lies at the heart of making this business better: Who will be in your care tomorrow, next week, and next month? Who will care for those children, and what will that care look like?

Solution: Child Care Seer

This problem sent me back to my software development experiences. I assembled, then spent a year and a half working with an internationally recognized team of developers to build a tool that would relieve child care managers of this ongoing burden, allow them to better understand their available capacity, and plan efficiently to improve the quality of care they could provide. As we worked on this problem, we realized it would impact so many aspects of the business.

Essentially, we were building an all-in-one platform that would free up dedicated caregivers to do what they love—care for children—while minimizing the time they needed to spend on repetitive tasks that keep their business going. We were building something that could allow them to focus on the quality of care they were providing, while giving them ways to increase the profitability—and longevity—of their business.

The result is Child Care Seer. Named for the seers, or prophets, who saw the future in biblical times, Child Care Seer’s job is to smooth out the roadblocks—from late payments to irregular schedules—that cause so much stress for the dedicated child care center workers that our nation needs to keep in business. Seer also allows providers to identify their excess capacity and sell it to parents who need more flexible options. Giving providers this ability to sell program-based and hourly care simultaneously has incredible potential to strengthen these businesses—an outcome that has important benefits for both hard-working child care center operators and the American workforce as a whole.

We’ve been using Child Care Seer to run our operations at Callahan Learning Center since we reopened in August, after using the pandemic shutdown as an opportunity to fully reimagine how we do business. Now that we use Seer, our weeks begin much more peacefully, as we are not spending hours on Monday mornings running credit cards for tuition payments—Seer automates this for us. When parents arrive with their children, our workers don’t have to have difficult conversations about late payments, as all of this is facilitated through the daycare billing software. Our director can see in real-time which children and teachers are in and out of all of the rooms in both of our locations, which makes on-the-spot decisions faster and more efficient. Seer allows us to more fairly and efficiently manage our waitlist, and lets us give parents the convenience of going online to request two hours of child care next Tuesday—or whatever irregular quantity of care their schedule may require. Seer also gives us the tools to engage parents in a way that is consistent, valuable and not burdensome to our educators.

Seer’s capabilities continue to evolve and grow as we begin to offer this product for use in child care centers across North America. Our development team continues to build Seer out as an indispensable platform that can enable child care businesses to offer both unparalleled flexibility and uncompromising quality, while also relieving them of some of the heavy logistical burden that adds hours to their work days.  

I think child care is a huge part of the success of the country and the success of the local community, and I truly believe it can be massively better than it is. Let’s look for ways we can bring the American ingenuity that has improved so many other industries to bear on the business of matching caregivers with parents who want a safe place to take their kids while they work. My solution to this problem is a daycare software tool that can make it easier for parents to purchase the care they need, and far less stressful for center operators to run a sustainable business.

To me, that’s a win for everybody.

About Tom Callahan

Tom Callahan is a serial entrepreneur and seasoned executive with a track record of starting, growing and leading companies of all sizes. He is the owner of Callahan Learning Center, a Virginia-based family child care management company that operates centers providing high-quality and highly flexible child care. He is the founder of Child Care Seer, an all-in-one platform that can make child care a more manageable and profitable business. He came to the child care industry after more than two decades in the software and technology industries, where he invented multi-million-dollar product lines and guided multiple startups from cradle to exit, including his last startup selling for over $200 million in 2019. Learn more about Child Care Seer at childcareseer.com.

[danniirene]

To the Dean

02/01/2019

I started Keiser 08/2017. From the moment I’d started talking to Keiser, I let them know of my disability accommodations which are necessary for my success. I need extended (double) time for testing, isolation when testing to avoid distractions, I need access to a calculator, and tutoring. Being at the Clearwater campus, they NOT ONCE made me feel badly about this, they all worked together to make sure that my situation was properly handled. 

I had to come to the NPR campus in 05/2018. On my very first conversation with Director K, I let her know that I had these accommodations that need to be met. As soon as I was on campus, I had a conversation with the president regarding this, I also told my teacher about these. I have been very open and honest about these accommodations. They are very important, they are not for nothing, they are what will make or break me as a student. 

In general, the support for these has been severely lacking at NPR. Sometimes I get extended testing, sometimes I don’t. I, more often than not, have it set to arrive on campus at whatever time, and end up waiting a long time before I can start my exam. 

Last semester was the worst. Ms. Hall was the absolute worst and made me feel as if I was a thorn in her side because of these accommodations. (I did write about this in detail and submitted it as a part of the end-of-course survey that I did on Hall. These surveys obviously do no good.)

Yesterday, I was scheduled to be on campus at 9am for my dose calculation test, PRACTICE. I was ready to take this test. Then Director K tells me that she has some announcements, that I should meet with the class to hear those announcements prior to testing. The announcements weren’t anything urgent, so I’m upset because this could’ve waited until after my important test I was supposed to be taking. She then sends me to the isolation room and tells me that she will meet me there in a few minutes.

I am not kidding when I tell you over 30 minutes goes by, and I am still sitting there staring at my computer waiting to take this thing. I am MAD! Not only because I had to listen to these “announcements” that really weren’t urgent, not only because I was ready to take this test when I walked in the school, but now my mind is reeling over the fact that this lady who apparently is our “director” is our boss and isn’t taking care of her students and left me there to just sit there. 

I am by myself, I have no one to help me figure out what is going on, how much time should I wait? I leave the room, I walk down the hallway, I see Marianne in her room ( her door is almost always open) and she sees that I’m upset. She walks down the hallway with me and asks me whats wrong, I tell her that I have been waiting for over half an hour to take my test. We make the right hand turn there’s Director K outside the computer lab (was she supposed to be in the classroom proctoring the other students?). She heard what I said was wrong to Marianne. She says,”I sent you an email telling you that you can go ahead and test.” I tell her that I am not allowed to have access to my email while I am testing, so how would I get that email? She looks at me and says,”Okay, well you can go ahead and start testing.” Seriously. Like that was what I was waiting for. Like this was my first ATI test and I just needed the teacher to just verbally ok me to take this test. I say,”I need you to give me a code to take this test.” Unreal. This is our DIRECTOR? I need to tell her how it is that I have access to my ATI tests?! So I spend the whole test thinking about how pissed off I am and how this campus is just a mess. It took me forever to take this test, barely paid attention to it because I was immensely distracted, and got an 85% and I needed a 90% on this to pass. I have to go find the class who happens to be in a random room with Ms. Stinson (after I go get my stuff out of my car because I am not allowed to have anything with me while I’m testing), I take no break for food or water, Stinson says “well the next one is for you, Danielle.”...”Thank you for joining us.” Now, I don’t know if this was sarcasm, but I’ve had a very stressful morning and just failed a test that I shouldn’t have failed (I always do very well on dose calc), walk into a random classroom joining them doing whatever it is that they were doing, and get picked on as soon as I walked in. I feel like I am about to break.

Soon afterwards, I get an email with remediation instructions for the dose calc I just failed from Director K. Remediation is 10 hours of studying that I am responsible for since I “failed” the dose calc test. So I am being punished for the fact that I was mistreated and mishandled and couldn’t concentrate on this test. (Also, I don’t remember ever having to do mandatory remediation for a PRACTICE ati. I will be studying on my own to make sure I have it for the next time, but the mandatory remediation is for the failure of the actual Dose Calc ati.)

Dean Brvenik, 

I know this is a long read, but it is very very important. I am just astounded at the lack of leadership that there is at this campus from our actual director, but instead had Hall and Stinson acting as if they are our bosses, that they we are underneath them. I saw an interaction between Stinson and Wheeler where Stinson just absolutely treated Ms. Wheeler like crap on her shoe. It was disgusting. 

Professor Hall was horrible to us last semester. She definitely had her favorites and wasn’t fair to the class. (I can forward you that “essay” as well-the one I wrote for the end-of-course survey.) I’m telling you, having her teach us this semester will be one of the worst things that can happen. 

Professor Wheeler cared about us. I would love to have her be our teacher this semester. For people to blame her for what we don’t know isn’t fair. We had a bad teacher for basics the semester before which also contributed to that. 

I will write more as I remember it. 

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

WHAT I ACTUALLY EMAILED THE DEAN:

Dear Dean Brvenik,

I am one of the Leadership students who you came to speak with on Tuesday. Sorry it has take me so long to write this. I wanted to talk to you about everything that has been going on, give you my take on things, but I think, for the most part, everyone else has said what I've had to say. I will just fill in the blanks on my particular issues.

I have disability accommodations since I've started here. I have been open and honest with Director K from our first conversation ever, I have spoken with the president about this, and also to each individual teacher about this. In general, I feel like the NPR campus (as opposed to the Clearwater campus, where I came from) has not taken these as seriously as they should have been. There have been multiple examples of this (Ms. Hall has been the worst-I wrote an essay about this and submitted this to the end-of-course survey.) On Wednesday I came in at 9am ready to take my PRACTICE dose calc test. The director made me sit with the class to listen to some "announcements" then sent me to the isolation room where she would meet me "in a few minutes." Over half an hour goes by, I am getting madder and madder, and it turns out she sent me an email telling me to start the test. I don't have access to my email when taking a "proctored" test. She then tells me that I can go ahead and start my test...I tell her I need a test code to access this test (as if I was just waiting for her verbal OK to take this thing. I've taken a lot of these tests, I know how they work, does she?) So, I start the test over an hour later, I am PISSED, I took a lot of time on this test because I was extremely distracted, I get an 85%; I need a 90% to pass. Director K sends me an email that says that I have to do a mandatory 10 hours of remediation due next Wednesday. I feel like this is a punishment for HER mistakes. (That and for practice exams we don't usually have to do remediation for practice ATIs.) I will study for my dose calc for my own benefit, but I do not think it is fair that I have to do an assignment that I should've passed and didn't because of poor management. I've gotten penalties a few times because of improper accommodations at this campus.

After the test, I did not know where the class was. I had to go out to my car to get my backpack, use the restroom, and found the random classroom that they were in due to texting a classmate.  (So I have not taken a break all morning). I walk into the classroom where Ms. Stinson is reading NCLEX questions with the class. She says,"Danielle, the next one is yours"..."thank you for joining us." I don't know if this was sarcasm or not. All I know is that at that point I did not care what was being "taught" and I certainly did not appreciate being singled out after the morning I'd had.  (Professor Stinson has an air about her that she thinks that we are "lowly" or better than us-I've seen her treat others this way, including Professor Wheeler.)

The last point is that part of the announcements that was made that morning, Director K stated that we only have to have 2 contact hours per week. They had made our schedule for Tuesdays and Wednesdays from 9-1 ish to catch up with "the stuff we didn't know." (She also told us to keep it quiet because if people knew that then no one would show up.) I don't have a problem coming to class Tuesdays and Wednesdays for a few hours (more than 2 hours) HOWEVER I am driving a long ways away to be coming to class, so it needs to be not for nothing. And, so far, 4 weeks in and I have not learned a thing. It is wasting time and money and I'm worried about my car. So, please, when you discuss these things with whomever, please make our time and money worth it.  

I can, and would love to, expound on these things. These things that are going on here are disgusting. These disability accommodations should've been taken seriously. Everyone here deserves to be taken seriously. We, as students, I don't believe have been.

Danielle Russo

7673168

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

02/04/2019 

Communication received today:

1) Email from the dean:

Danielle

Thank you for your email.  I would like to follow up with you on this email.  I do appreciate the information you are passing on to me and I will look into each issue you mentioned.  Let me know if you prefer to meet with me in person.

I will meet with the instructor and Director K to make sure we are following all compliance for accommodation.

I can assure you that all issues are being addressed.  Please always feel free to come speak with me.

Thank you

Dr. Andrea Brvenik

Dean of Academic Affairs

Keiser University, New Port Richey, Florida

2) Phone call/voicemail from Director K

3) Text message from Director K

4) Email from Director K:

Hi Danielle, I'm trying to reach you so I can address your concerns. Please give me a call. I really want to hear from you. Thanks, Director K Kind Regards, Sandra Kumapayi, MSN-Ed, PhD(c), RN Nursing Program Director

*None of the above have been responded to today. I will be on campus tomorrow and will probably speak to one or both of these people

[imagine-your-way-out]

Elle's Weird Writing Prompts ! !

Use at your own risk.

1. “I’m overwhelmed by your staring, to be honest.”

2. “Should I kiss you? I dunno, maybe I could, can I? I mean-”

3. “I’ve fallen, hard. I think I fractured my leg, maybe you should get me to the hospital.”

4. “You’re too comfortable.” “What’s wrong with that?” “They’re staring.”

5. “Nah, I’m sorry for not punching you.”

6. “I’ve got a lot of requirements for someone to be my boyfriend. Unfortunately, you passed.”

7. “What are you staring at?” “You’ve been screaming bloody murder since that bee passed by you.”

8. “Are you even noticing that you’re hurting me right now?”

9. “I’m sorry for being so fragile.”

10. “Brilliant idea! Now you can fuck yourself up.”

11. “I have the right to be concerned when you show up with no clothes on.”

12. “You can’t date me! I have, like, zero love tolerance!”

13. “I don’t like you but I tolerate you.”

14. “Serenades are sweet but please don’t do it when I’m sleeping.”

15. “What are you doing?” “Um… Practicing?”

16. “Hey, look! I made that!” “That weird, deformed thing?” “It’s abstract!”

17. “I love you but I can’t do this anymore.”

18. “You really shouldn’t stay with me. It’ll ruin your image.”

19. “If you die, I’ll die with you.”

20. “I hate it that you’re so cute.”

21. “You’re just mad that I’m better than you.”

22. “You’re drunk.” “All the more to believe me.”

23. “You pushed my limit. I’m sorry. I’m leaving.”

24. “Eat my sparkles, bitch!”

25. “I should question your sanity for loving me.”

26. “This is urgent. Kiss me. Kiss me now.”

27. “I punched him because I like you!”

28. “Go on, I still have a minute before I die.”

29. “Are you helping me get up?”

30. “You’re the problem!” “We both are!”

31. “Sorry, my ass.”

32. “You’ll be dead by morning.”

33. “Your face is all hazy.”

34. “Please don’t make me fall in love with you.”

35. “I’m bored.” “Then kiss me.” “What?”

36. “You’re too sweet, I’m vomiting.”

37. “Don’t. You. Fucking. Tell. Them.” 

38. “We need a time out.” “On our relationship?” 

39. “Don’t turn everything competitive.” 

40. “I love it when you shut up.” 

41. “Jump.” “No.” “Jump!” 

42. “I don’t want to remember.” 

43. “Kissing you was a mistake.” 

44. “I can see my future and you’re not in it.” 

45. “Please don’t touch me.”

46. “There’s nothing you can do.” 

47. “Will there be a second chance?” 

48. “I’m at my limits.” 

49. “You’ll still be in my heart.” 

50. “I’m too young for this.” 

51. “I wish a building will greet your face.” 

52. “Stop trying to prove me wrong.” 

53. “You forced me into this.” 

54. “These events are your fault.” 

55. “If I close my eyes, you’ll be gone.” 

56. “I don’t want you to disappear.” 

57. “Don’t bring me into your problem.” 

58. “I believe… That you’re a dick.” 

59. “Prove that you love me.” 

60. “Attraction is all there is to it.” 

61. “Hug me. It’s freezing.” 

62. “Do elaborate.” 

63. “Nope, I’m not married.” 

64. “That’s just unfair.” 

65. “That doesn’t validate as an apology.” 

66. “I definitely did mean that.” 

67. “I consider this awkward.” 

68. “I’m just the new kid.” 

69. “Welcome to the real world.” 

70. “I worked my ass off for this.” 

71. “I don’t have anything else to say.” 

72. “I don’t care, be with me.” 

73. “Well don’t just stare, help me!” 

74. “I don’t need you to save myself.”

 75. “I’m tough and fierce… As a kitten.” 

76. “Sing me a break-up song.”

 77. “I did not ask for your opinion.”

 78. “You manipulative jerk!” 

79. “No one can love me.” 

80. “Don’t make it hard for me to leave.” 

81.“It’s embarrassing to see me like this.” 

82. “I’m not a charity case.” 

83. “I failed in making you fall in love with me.” 

84. “I screwed up, I know.” 

85. “Let’s see if this relationship will end up badly.” 

86. “You believe too much in fate.” 

87. “I have no other choice.” 

88. “Nothing’s a coincidence.” 

89. “A little too complicated.” 

90. “I’m concerned by your ability to make everything worse.” 

91. “Maybe we can cuddle?” 

92. “You’re asking too much!” 

93. “Guilty as charged, aren’t you?” 

94. “We should’ve done this yesterday.” 

95. “It’s kinda complicated when you think about it.” 

96. “We’ve got too many variables to think about.” 

97. “Maybe love is fine.” 

98. “Welcome back to hell.” 

99. “We’re setting boundaries.” 

100. “I’m sick and you’re tired.” 

101. “We’ll talk about this later.” 

102. “You’re so stupid. Why do I even love you?” 

103. “You’re sleeping on the couch.” 

104. “My ribs hurt at your stupidity.” 

105. “Isn’t that too much spending?” 

106. “I don’t need the service.” 

107. “Your laugh is so…” “Horrid?” “Awkward.” 

108. “Sometimes, you’re the one who should adjust.” 

109. “Follow my lead.” 

110. “I really have to go.”

111. “I’ll try not to swear.”

112. “Ah, yes. Your famed idiocy.”

113. “Is that a blush or your cheeks are bleeding?”

114. “How creative of you.”

115. “Is there such a thing called long-term joke?”

116. “I get it now!” “You do?”

117. “I can walk. I’m not a cripple.”

118. “Go get sick, let’s see what happens to you.”

119. “It’s insulting that you’re backstabbing me but it’s also insulting that you’re saying those in front of my face.”

120. "If you add three to the equation, it equals disaster."

121. "I would scream 'Bloody murder' but that would be wrong because there's no blood involved."

[love-transparentstudentarca-blog]

Franklin Pennsylvania Cheap car insurance quotes zip 16323

"Franklin Pennsylvania Cheap car insurance quotes zip 16323

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I recently spent a lot of money getting my car into great condition. I don't want to have an accident and have the insurance company only give me a quarter of what I put into it, just because the book value of it is low. I have USAA if that makes a difference.""

""People w/o health insurance how do you pay for medical care, or do you?""

I looked into insurance available to me in Georgia and here what the least affordable costs me: $350/month, 20% specialist cost after a $3500/yr deductible, 3 doctor visits per year at $45 each, $20 for each prescription, no dental/vision coverage and other charges that add up to over $7500/yr. And all of this BEFORE the latest 14% price hike. I've decided to save up the same $7500/yr for medical expenses and chuck the insurance companies. I figure some years I won't use all the money and it could go towards the years when I need it. What's your solution?""

""I am 17, and I recently got my driver's license. Can I avoid being added to the insurance policy?""

Because my rates go really high, since I'm a new driver. If my cars receive minimal insurance, and they're insured under my parents' name, could I legally drive the cars and would the insurance pay for any liabilities?""

Is car insurance very high in California?

Is car insurance very high in California?

I drive my moms car a lot should she put me on her insurance ?

well I talked to a police officer and he said that as long as my mom has insurance and as long as i have my license I can legally drive her car anytime but should she put me on her insurance policy what would be the point of this ? how much more money would she have to spend im 18 and she only has to pay like 400 bucks a year for insurance plus full coverage because she has a good driving record also the only reason i think she should put my on her insurance is if i hit a car or get in an accident her insurance will pay for it if im on the policy correct what about if someone hits me while im driving and im not on my moms insurance policy it wouldnt matter correct ?

Auto insurance quotes?!?!?! please help!!!!?

i need a rough estimate and i really dont feel like typing in my information online and getting a real quote lol i just want a real rough quote with average coverage. if anyone could help that would be great. insurance for a new driver with good grades better than B's and all that junk. the car is a 2003 cadillac deville DTS with like 101,000 miles on it. anything could help!!!!! :)""

Cheapest type of insurance for 17 year old?

iv heard of black box insurance but this doesn't appeal to me most? so what companies or types of insurance are cheapest??

How much would insurance for a16year old male driving a 97 camaro?

V6 97 camaro 170xxx In Oklahoma what would it cost

Help on car insurance - very urgent!?

I have recently noticed that the address on my car insurance is completely wrong. From the house number to the last digit in the postcode. I have had an accident which was apparently my fault, and now I have realised my address is wrong. I have made multiple phone calls where I've had to confirm my address too. Is there any safe way I can change my address without arousing any suspicion? Please help me because it is a genuine error, and I do not want to be accused of being fraudulent. What are the best options to take at this stage? Thank you""

""What's Cheaper to Insure, Audi, BMW, Mercedes, Volkswagen ?""

I'm 21, Here are my options. 2008 Audi A4 2009 BMW 328I 2007 Mercedes c250 2010 Volkswagen GTI or Golf. How much do you think rates will be.""

""No license, but yes insurance?""

What happens if you drive a car that does have insurance but you don't have a license, and, lets say you crash.""

State Farm Renter's Insurance?

I live with my brother and his wife. There names are on the lease and my name is not on the lease. Can I still get Renter's Insurance?

Can someone help me get a insurance quote ?

im 16 and my mom said that if i wanted to drive, i would have to buy my own insurance. but the thing is i cant find any sites that tell me how much i would have to pay as a starter , and then pay monthly. the car that i want to drive is my stepdads 2000 Bonneville. idk what else it is but it looks just like this. VvV http://www.autoworld.com/news/Pontiac/2000Bonneville.jpg i just want to know how much i would have to pay (:""

""My sister is 19years old and she is going to college she needs medical insurance, but she has to pay for it, d""

Does anyone know anyone know any low cost insurance companies. She has been having uterus problems aches and pains,she cant see a doctor she says she cannot afford it. I want to help ...show more""

Should I file a claim with my car insurance or pay out of pocket?

I am making payments on my car and currently have full coverage car insurance. About a week ago, I was driving my car on the freeway. It had been raining earlier that morning. A car beside me switched lanes in front of me suddenly. (She did not hit my car) but she caused me to loose control, my car hydroplaned spun out and hit the center divder on the freeway. No other cars hit me. My car has damage to the tire, rim and the right rear of my car from the back door to the bumper has scrathes and damage. I did not file a claim at first because the cost of my insurance is already $108 (because of a ticket) and I did not want it tod go up. But after paying to replace the tire, the rim and some other issues with the axile for $606....and the tow service which was $125; I'd like to know if any one has an idea of which would be more beneficial. Should I pay the $1000 deductible and have my car fixed through the insurance company, even though my monthly payments will increase? Or should I just continue the repairs out of pocket?""

Can a car insurance company find out when you were first issued your license?

I know its wrong to lie, BUT ,my insurance would be SOOOOOOOOOOOOOO much lower if I had been driving for longer. I didn't get my license until I was 22 and I'm 23 now, but they give me the rates of a teenager. I pay way too much!""

Franklin Pennsylvania Cheap car insurance quotes zip 16323

Franklin Pennsylvania Cheap car insurance quotes zip 16323

Does anyone know if the 5 hour turbine transition for helicopters is a reg or just an insurance minimum?

I can't find anything in the FAR's that mentions anything about having to do a 5 hour turbine transition when going from flying piston helicopters to turbines (as long as no type rating is required). Is it just an insurance minimum?

Will my insurance be notified for a texting ticket?

I have been driving for 3 years, and got my first citation yesterday for textng and driving. It's only $70, so I'll pay it off myself & not tell my parents (I'm 19, they pay for my car insurance since I'm in college and can't make enough money to pay for it myself). The officer said that the ticket will not give me any points or make my insurance rate go up. I was wondering if my insurance (Progressive) will be notified at all & the information be visible to my parents. This is in Maryland by the way. PS. I know texting & driving is dumb... I try not to do it, but since I'm fairly good at it, I have done it a lot. But after yesterday, I'm done.""

""A question about car registration, insurance, etc?""

If I purchased a used car from a private seller, or even a dealer, the title was given to me and I go to the DMV to register it under my name, etc what happens next? Am I allowed to drive the car while waiting for the registration tags to come in and for me to find insurance for the car, or is my car supposed to sit in my driveway until all the registration paperwork with the DMV is completed?""

Where can i locate Leaders speciality auto insurance?

Where can i locate Leaders speciality auto insurance?

How much does auto insurance cost for a 17 year old boy for insurance companies?

I'm in the u.s.

Insurance grace period/need insurance to title and register?

In IL, is there any grace period between buying a car and having insurance? Or put another way, will I need to show proof of insurance when I go to DMV to register and get title? My plan was to pickup the car and immediately go to the DMV, but my insurance card probably won't be hear for a few days... will they not let me register it w/o insurance? Also, god forbid I'm pulled over on my way to the DMV (without insurance OR registration) or on my way home from DMV (still no insurance) will there be a problem if I can show (with bill of sale or something) that I just bought the vehicle and am on the way to register it and/or insurance is in the works?""

Can you get insurance for car hire cheaper than the one offered by the car rental company?

I visit Canada a lot, and love to hire cars from the aiport. I am gettting sick of paying over the odds for comprehensive insurance though. The rental company asked for 100$ for 3 day cover for a Yaris. They also said that the law in Ontario says that I will need to pay for damages to the car if I had an accident even if the other driver was at fault, as everyone pays for his own car. Is that true?""

How much was insurance when you got your first car (UK)?

I know that it is extremely high just after you pass and insurance depends on other things like job and where you live, cos I want to get a car but I have been quoted over 1000 and that's with my parents added as well.""

Is there affordable health insurance available for fertility: tubal reversal?

Me and my fiancee' are wanting to have another baby. The only problem is that my tubes are tied. I wanna know is there afforable health insurance that covers fertility? Is there ...show more

Does anyone know of affordable medical insurance for unemployed individuals in NY state?

Does anyone know of affordable medical insurance for unemployed individuals in NY state?

Car Rental Insurance?

What happens if you rent a car and decline any coverage? I was told that if you were involed in an accident you would have to make a claim with your own insurance company. What if you don't own a car and thus don't have an insurance company? Are there limits to the amount of responsibility of the renter? I mean if the car is totaled does the renter really have to replace the entire cost of the car out of his pocket as well as damage to the other car and injury to it's occupants? I know i'm not alone in declining insurance. But if I got into an accident I always assumed I would just be responsible for a deductable and not the total amout of damage to the cars and injuries. Serious answers only. I really don't need to hear yes, you need insurance or you're screwed That tells me nothing.""

Stick with USAA auto insurance? Or shop around?

I always thought they were not just the best, but also the cheapest (if you qualify to insure with them). But I'd like confirmation of this, or other opinions... should I shop around for my auto insurance? Switching to another insurer seems almost unthinkable - I've only ever been with USAA...""

Can hospitals deny someone without insurance?

Can hospitals deny someone without insurance? I know of someone that died recently at a hospital waiting area who was denied help because he did not have insurance. He was 17. Can hospitals deny someone who really in a urgent situation between life and death because of no insurance?

Help with car tax and short term car insurance?

Hi I have a nissan micra which myself and partner are insured on and I intend to sell. I have bought a peguot but the problem is that it needs taxing and to get tax I need to insure it and this is when it gets complicated - The peugot is in Brighton in my parents garage and they plan to drive it upto me in Liverpool. The question is what do I do about the tax and insurance for it as I dont want to cancel or transfer my current insurance on my micra as I need the car until my new one arrives, my dad will also need to be insured to drive it up. PLEASE HELP VERY CONFUSED""

Car title and insurance question?

If my name was put on the title of a car (I'm 18), would it affect the insurance rates even if the car was insured under my parent's policy as a occasional driver? Does the insurance company have the right to change the rates on a car depending solely on whose name is on the title?""

I dont get what to do about car insurance?

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

How much would I be paying in insurance if I become a CRNA?

How much would I be paying in insurance if I become a CRNA?

What car insurance companies do you recommend?

My vehicle was vandalized two weeks ago. I was not satisfied with the way my insurance company handled my case. I'm thinking about switching to another insurance company, any recomendations?""

Why does my old insurance company want to see my new policy?

I recently switched car insurance companies (from country insurance to allstate) and when my husband called to cancel our old companies policy they refused until we fax them a copy of our new policy with allstate. I dont understand why thy need this information. We arent asking them to back date and pay us for any time we already paid for (we arranged our allstate policy to begin the day our country insurance ended) and in the years we have been with country insurance, we have ever once filed a claim. Never payed late (had automatic withdrawl). If anyone knows why country insurance would need our new policy info before they cancel our old policy i Would greatly appreciate any input. Thanks!""

Could I set up my own car insurance company to insure myself?

In Canada, it is the law to have car insurance. Is it possible I could set up my own car insurance company to insure myself. I am aware that I would have to cover the damages of other cars involved in an accident, but am not sure if I would have to cover if an accident is fatal. Also, considering that I may have to cover damages in case of a fatality and other cars involved in an accident, would be more economical to just go with paying an insurance company?""

Maryland Auto Insurance Premium for teens(19yrs)?

I am 19 years old, living in Baltimore and got my driving license last week. I have a Nissan Sentra. So what would be my auto insurance premium for a year? How is it calculated? Which are the good companies?""

How much auto insurance must I have?

I want to know what are the legal limits on car insurance in the state of Ohio for a financed vehicle? I have an 06 Mazda and an 07 Hyundai. They are both financed. How do I go about figuring out the lowest limits I can legally have? Thank you!

What will the average insurance payment be for my BMW?

Ever since I was little I've always wanted a BMW. Well now since I'm turning 16 in the fall I have the option of getting a 2004 BMW 5 Series 545i for $9,000. It's in extremely good condition and I just love it. I will be making around $200-250 a month and my monthly payment will be about $106 to the bank till my senior year in college ( yes that's 84 months but it's in good condition so it's worth it) and I was just wondering if any one had a idea how much insurance would cost? I really want to get this car but I won't if I'm not able to pay a payment and insurance at the same time due to other small bills i have. Thanks""

When buying a car how many days do they give you to get insurance on it?

how does that all work? im going tueday to get financed for this car i already know i can get it i just have to sign some papers but im wondering how does the whole car insurance thing work because i know you have to have full coverage insurance. play it out for me tuesday i go to the dealership to sign some papers and then... i drive the car home?... when and how do you go about getting the title put in your name, getting insurance on the car... so on and so forth.... thanks its my first time and i dont want to be as clueless as i am right now when i go to buy it haha""

What is car insurance?

Just car insurance definition not more other else. It's for my own mind calculation.

Franklin Pennsylvania Cheap car insurance quotes zip 16323

Franklin Pennsylvania Cheap car insurance quotes zip 16323

What's the car insurance requirements in GA?

I need to know what is required and is not required and what falls under full coverage and liability in the state of GA.

Do insurance companies cover a chiropractor after an accident?

i was rear ended and had to see a chiropractor because of severe whiplash. the insurance company of the girl who hit me is offering a settlement and almost half of it will be going to ...show more

""Low Rate Auto Insurance, Help PLZ?""

I just bought a car today Ford Explorer 2001, high mileage. I never been insured before, do you know which is a best insurance company with lowest rate for someone doesn't have good income. in live in California Bay Area. Thanks""

Does one have to report fixing a car to insurance?

So let's say that an underage and uninsured driver hits my car in a parking lot. Not totaled or anything, but a large dent and a scratched. I know the child in the car, and his Dad tells me that he could just pay it for the damages out of pocket. If I get an estimate and get the car fixed with the fathers money, do I have to report it to the insurance? Am I allowed to just go to a body shop and get the doors fixed, and that is the end of that? Will I be in any legal trouble if I do it? Thanks.""

I'm under 18 do i need insurance after i get my license?

I live in FL But i don't have a car. am i insured under my parents or do they need to pay for me when i get it.

How are forced health insurance and auto insurance the same?

Many on here say that forced health insurance i sthe same as auto insurance, but how is that? I do not need auto insurance if I do not own a car. I make that choice whether to drive or not. I do not get fined if I don't have a car for not having auto insurance. So in what way are these in any way the same?""

Will a ticket for careless driving increase your auto insurance?

I was pulled over for speeding but fined for careless driving. My parents car is insured but I'm not on the policy. Will the insurance premium be affected? How long does it take for there insurance agency to find out about the points? (We have Allstate if that helps)

Is a 2000/2001 BMW 323ci an expensive car to insure?

I know insurance costs depend on a number of factors, but, all that aside, does anyone know if this car is expensive to insure? (or any of the other higher up 3 series like the 330ci )""

Not sure how much condo insurance to get?

I'm in the process of buying a condo, and I need to have condo insurance set up. However, I'm not really sure how much insurance I need on a condo. The homeowners association covers everything on the outside, so I would only need to cover walls-in. This is what I've come up with after doing a quote: Contents Amount: $50,000 Building Property Coverage: $15,000 Condominium Loss Assessments: $1,000 Deductible: $500 Earthquake Deductible: 2% Personal Liability: $300,000 Medical Payments to Others: $1,000 The condo is selling for $125,900. I really don't have a lot of furniture, and what I do have is all hand-me-downs. I have a four year old, so all the furniture and stuff that comes along with having a kid. I don't have really nice jewelry. I have a 32inch hd tv, computer (i paid 150 for it, so nothing fancy lol), and a kindle fire, wii....that's about it for electronics. I want to make sure I have enough coverage if something happens with counters/floor/walls/etc, but I don't want to be unnecessarily paying a high insurance bill. Any suggestions? Also, is earthquake or identity theft something that would be good to add in? I live in Iowa so earthquakes aren't really an issue...but is that one of those you never know, so at least you're covered things?""

""Insurance for 17 year old , group 5 . ARGH!?""

Im buying a saxo 1.4i Furio and its in insurance group 5 I was just looking for the best ways/insurers/policies/discounts/offers that i can get I got quoted something stupid like 3300 TPFT online for a frickan 1.4!!!! I know for a fact it goes WAYY cheaper than that seein as i know a first time driver on his own policy that drives a saxo VTR insured for under 2000! I just dont know how to go about gettin the quote below 2000 Can someone PLEASE please help me. I know i have to shop around . but i dont know where or who to go to. and what to do when i get there! Experianced advice, examples and prices you have had on similar sized engines for your first car would be a magic help! Thanks""

Does anyone know what the average car insurance is for a 2003 g35 coupe iam 18?

i also live in maryland

Motorcycle or Scooter Insurance in London?

How much would the insurance be for a motorcycle or scooter worth less than 4,000GBP in London? I'm hoping that it would be a lot less than a 50cc scooter in Dublin worth about 400GBP costing 200GBP for insurance per year.""

Out of state car insurance?

OK if i get a car in NY with ny license plates can i get NJ insurance without having to change anything ? I will going to school 5 days a week out there and will be staying with my aunt ..... but i don't wanna change my license or license plates ..... ... will i have to show proof and what kind of proof ?

Does my 17 yr.old need car insurance to drive my car?

in connecticut

Does car insurance get cheaper after my teen years?

I'm am a 16yr male and car insurance is ridiculous. I asked some of my friends, ages 19-21, at work how much their insurance is and they said it isn't too bad. What's the average cost? I don't want to go through insurance websites and get quotes, blah blah blah. Thanks""

Double up on individual health insurance?

Can you have more than one Health Insurance Plan for your self? I have to buy my own insurance, but even the best individual insurance is crappy and I wanted to now if people ever buy two insurance plans? The insurance i have now only lets me see the doctor twice a year. If I got another insurance plan would it pick up where the other left off?""

How much should my insurance go up with a new car?

Right now I have a 1995 honda accord, I play about 90 a month, what should I expect to pay with a 2007 mazda 3?' Im 19, on insurance with my parents, no tickets or accidents. THANKS!""

Auto insurance in florida?

okay heard a rumor that as of october 2007 NO auto insurance is required in the state of florida.... anyone else heard of this ?

How much does it cost for car insurance?

I am 17 years old. I just got my licenses and i need insurance. How much does it cost with my parents and how much does it cost without my parents?

""What is the average malpractice insurance cost for a general radiologist practicing in Atlanta,GA?""

What is the average malpractice insurance cost for a general radiologist practicing in Atlanta,GA?""

Car insurance admin charges?

hi i am having problems with my car insurance people i had to get a car as i am disabled .i am on benefits i told the insurance people that my benefits come in on the 27 after midnight .but they tried to take the money on the 26 instead of the 28 .as i did not have the money in my bank .i was also charged by my bank ..i phoned them on the 28 and tried to pay the car insurance and told them i would have to sort out the admin charges another time but they would not take the money ,they said i would get a letter to in 7 days to tell me when i can pay the whole amount ..plus the admin charges ,its 140 .this is interfering with my other bills can you advise please no silly replies thank you .""

What happens after you settle with your insurance company?

My car was stolen Monday morning on July 15 around 3am to 5 am in Richmond CA the car was park right by my parking lot my question is what happend after I settle a payment with my car Insurance and The police find my car after I settle with my insurance?

Cheap health insure in california?

Cheap health insure in california?

My car under my parents insurance?

Ok i have a hypothetical question...Say if my car is in my name, and i am under my parents insurance...And i get in a major accident are they liable? Are they at more risk if i am in their name but i own the car?""

How much should a family budget for insurance?

disability,life,homeowners,car,umbrella""

Franklin Pennsylvania Cheap car insurance quotes zip 16323

Franklin Pennsylvania Cheap car insurance quotes zip 16323

Review of Student Health Insurance from SUNY schools?

If you have bought the insurance provided from any SUNY school, what is your review on its coverage?""

How much would a used VW beetle run me up? What about insurance?

I am going to be 17 this november and I'm working this summer to save up for a car, a beetle preferably. I'd like it in a pastel green or blue....convertible maybe :P I'd like it used because the new beetles are ugly. Stick shift is okay. How much would it cost me....if it was say, 10 years old or less AND used....convertible and non-convertable...and how much would insurance be in the state of NJ? I got an A on my written test in drivers ed so i think that might be a discount. Also, what is the gas mileage...on a stick and a no stick. Thanks! :)""

""Life insurance is 750,000 enough for 3 kids ?""

is 750,000 enough to get three kids from age 1,3,5 through high school and college or do i need lots more""

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!?""

Will my car insurance rate change?

Okay so I got married this May and my car insurance is still in my old name and my old address... My husband has a couple tickets and accidents on his record... Will this make my insurance rate go up? Also I'm not living in the town that I got my insurance in anymore, will this be an issue? Thanks in advance!""

Why Is my car insurance so expensive?

I'm just trying to find a good quote for the renewal of my car insurance, due in November 10. The cheapest I can get for a THIRD PARTY FIRE & THEFT only is 800!!!! for the following circumstances: Driver: male 32 yo, EU national living in the UK since 2003.Home owner. No convictions or anything like that. Full UK licence that I got converted in 2005, though I had held a full EU licence for 9 years before that. In full employment. The car: 1998 R reg For Fiesta LX 1.8 Diesel. 3 doors hatchback. Kept in a secure (bollards) street at home during the night and in the company's hyper secure car park during the day. Miles per year: up to 9000. With factory fitted immobiliser plus a anti theft wheel lock. The postcode is not the best, but it can't be the reason for it being so expensive, because my neighbours pay something ridiculous, like 30 or 40 per month for a fully comp policy, and also, because it's not a fully comp policy that I'm after and the car is so cheap (600) that it wouldn't make sense. I'm even ready to go for a third party only, but it turns out even more expensive in the searches... I've even tried with other cars with smaller engines thinking that maybe replacing the car would help... I'm really confused, and that famous website is not helping at all. Hopefully somebody can shed some light on where the problem is. It'd be so very much appreciated...""

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?

US health insurance - question?

We are Canadians moving to the US in couple of weeks and we have just applied for medical insurance in the US, filled out all the papers and we'd like to know whether the insurance company will call our Canadian doctor to get our medical records? We want to make our doctor aware of this and at the same time, to be honest, we did not know exactly the dates when we've been at the doctor's office, we put down approximate dates on the insurance applic form and we do not want to be denied because of misrepresentation or something like that. At the same time, here in Canada, just because healthcare is universal, you don't get any medical papers or records to keep track on when you've been at the doctor's office. Thanks a lot.""

Insurance on a 2006 Jeep Commander?!?

I am turning 16 in December and I am probably going to get a 2006 Jeep Commander! I was wondering of anyone could estimate how much insurance would be on it?! Thanks!

""If I report an auto insurance claim under my comprehensive, does it count against me?

Not sure whether to report an damage to my vehicle. I estimate the cost to be about $ 500.00 +. My deductable is $ 500.00. Any info will help :)

More Better? Car Insurance Question?

We have 2 cars and currently 2 drivers on our insurance (my husband and I) and we were wondering if we add his mother on there will it be cheaper? The thing is his mother does not have a license and does not know how to drive, would it still be cheaper if we add her to our insurance?""

Is it legal to be declined health insurance for this reason?

I applied with a major insurance company in California, am a single vegetarian in my mid/late 30s no children, extremely healthy never been diagnosed with anything, exercise regularly. I guess they dug up that I had taken a fertility drug in the past - I was never even diagnosed as infertile - it's a really cheap common drug that stimulates your ovaries to produce more eggs but I had no partner to get pregnant with so to was just something I got from a fertility doctor if I wanted to get pregnant with donor sperm. That's not even covered by insurance if I ever want to do that again and the drug's like $20 you can practically get it over the counter it's so common I know tons of women who use it. I didn't even apply for maternity care to be included in my insurance, just a basic policy. Is it legal for them to decline me because of this? So if a woman has a baby they are no longer eligible for insurance? Most women who get pregnant take this drug (including both my sisters) yet they still have insurance. Was it legal for the pharmacy to give them this info? I don't know how else they found out.""

Car Insurance Question (regarding insurance)?

Hello, I have an insurance question. Last December, my wife, 2 y/o daughter, & I were involved in a car accident. The other driver was at fault, this was noted on the police report. My wife & daughter both required medical attention. My daughter suffered a broken leg & has since recovered. Unfortunately, my wife's recovery is taking a little longer. She required immediate surgery on her wrist & needs daily physical therapy. Although I have a laywer, car insurance & health insurance, I've had to front enormous amounts of money to cover medical expenses. My health insurance will not reimburse me for expenses. Can I ask my car insurance company to help me out with expenses? They know the other party is at fault (police report says so). I've had to liquidate stocks & savings to make ends meet. I'm now out of money. I was not at fault, yet I'm being punished. Any advice on how to get reimbursed ASAP? My settlement probably will not occur until next July.""

Cost of Auto insurance for 16 year old in North Carolina?

My son will be getting his license in a month. He already owns his own truck (1990). Any ideas about how much liability insurance will cost him?

""I am 19 and am a good student, not a reckless driver. How much would my car insurance be for a 2001 Porsche Bo?""

How much would insurance be for a 2001 Porsche Boxster S. My parents have good credit; we have a $2 million house, live in a good neighborhood in San Francisco. I consider myself a good driver. (I'm male btw)""

What's a cheap car insurance company for drivers with alot of points.?

What's a cheap car insurance company for drivers with alot of points.?

Car insurance companies that allow you to drive other cars?

If i am over 25 and fully comp on my vehicle I can drive other vehicles that have fully comprehensive car insurance which insurance policy let you do this?

How much will my car insurance premium change when i turn 25?

I'm 24 and a car in insurance group 6 is costing me 600-700. I've heard this goes down significantly when I turn 25, is this true and how much should it go down by?""

Florida Home insurance help?

I was recently dropped from my insurance company.My credit is bad so no one will cover me what should I do? I will also need flood insurance.

Car insurance for a 17 year old?

i am a 17 year old male who has just passed his driving test a month ago and wants a cheap insurance company and the cheapest car to insurance, i only want to use the car to commuteto a place of work. Any ideas""

Car insurance: Hybrid or conventional?

For a vehicle that is available in hybrid HEV and conventional drive train, which one costs more in vehicle insurance? and what is the difference?""

Older cars and Insurance..?

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""How much will insurance cost for a mazda RX-8, 2004?""

I am 17, 18 in December but I was wondering how much it would cost for insurance per month and annual since I am a teen?""

How much would insurance be on a 2005 Subaru Wrx Sti?

Before you answer please read this: I am 16, this will be my first car, my father will be buying it for me but i would call the insurance company but they are closed at this time of night so i will just ask on here. Please do not lecture about how i don't need this car and all i understand the concern but since you aren't the ones paying the bills please don't lecture. Thank you for any and all help available.""

Are insurance agencies notified if you don't get a ticket?

i got pulled over but the cop gave me a break. he checked my license and registration in his computer but gave no ticket. will my insurance find out about this or am i safe for now? i have liberty mutual and live in maryland. im a new driver so im really worried my rates will go up even higher

Franklin Pennsylvania Cheap car insurance quotes zip 16323

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https://www.linkedin.com/pulse/norwalk-ohio-cheap-car-insurance-quotes-zip-44857-louie-galindo/"

[labourpress]

Jonathan Ashworth's speech to the Nuffield Trust

           -CHECK AGAINST DELIVERY-

Jonathan Ashworth, Labour’s Shadow Secretary of State for Health speaking to the Nuffield Trust today said:

“It is a pleasure to join you this morning, especially to share the platform with you Nick. When I was appointed – unexpectedly – to this role in October one of the books I reached for was my old copy of The Five Giants.  

When I listened to Simon Stevens at the Public Accounts Committee this week announcing the end of the Purchaser-Provider split it occurred to me how your magnificent biography of the welfare state Nick stands as a timely reminder of the cyclical nature of the debates in NHS policy.

It’s a daunting prospect to come to the Nuffield Trust, 6 months into a new role, most likely three years or so from a general election and to be asked to sketch out a Labour vision for the future.

Daunting, not just because of the combined expertise in this audience but also because I’m acutely aware of the awesome responsibility on my shoulders given the Labour Party’s historic association with the NHS.

Much of the debate at events such as this is about what has changed since the creation of the NHS.

How services would not be designed today in the same way as they were in 1948.

And what needs to be done to bring health and social care closer together.

All of those points are valid.

But it’s always worth reminding ourselves that the creation of a health service free at the point of use with equal access for all was genuinely visionary.

It’s a vision that has stood the test of time.

That vision remains so compelling that every major aspect of political decision making swings around it. Look at political debate in recent years. Referendums on Scottish independence, and of course Brexit, all revolved around the NHS.

The principle of a health service available to all and free at the point of use is understood and supported by the vast majority of our country.

The challenge for all of us – and particularly those of us in positions of power – is about shaping a reality which not only works within that principle but makes that principle work every day in practice.

Because whilst the principle of the NHS is clear, the practice of equal access for all isn’t.

Class and locality are all too often determinants of the type of health care people get.

The number of people per GP is not the same all over the country. Access to the best hospitals is not the same all over the country.

The number of healthy years of life you can look forward to from the age of 40 varies in different parts of our country.

And at the same time, these variations in access are widening as demand for NHS services is growing and becoming more complex.

In the past decade the number of over 65s in England has risen by a fifth and the number of 85s by a third.

The world of disease the service has to tackle has changed dramatically and now challenges every day the structure of the NHS and social care sector.

Fewer than 20 per cent of people with dementia only have dementia; fewer than 20 per cent of people with diabetes only have diabetes.

And demographic challenges will become sharper.

By 2030 the working age population will increase by only 3 per cent while the 65+ age group will grow by 33 per cent.

The IPPR have said one in three babies born in 2016 are expected to live to 100 or more. By contrast, a baby born in 1916 had only a 1 per cent chance of still being alive 100 years later.

And just as demography brings challenges, so the advances in technology and innovation bring opportunities.

Just yesterday I was privileged to visit the mechano-chemical cell biology department at Warwick Medical School.

Recently I met students at Leicester University Physics Department developing the next wave of nanoparticles to defeat cancer.

The UK has of course also long been a world-leader in the life sciences.

The first vaccine was developed here by Edward Jenner in the 18th Century, antiseptic surgical technique was pioneered here by Joseph Lister in the 19th Century, and the structure of DNA was solved here by Watson and Crick in the 20th Century.

Now in the 21st Century, we have the opportunity to build on these advances to provide better health outcomes for people in Britain, improving health system performance by using new technology effectively to support better delivery of health care, whilst also generating jobs across the UK and growing the economy.

This strength in the life sciences gives us a real opportunity to lead the world in new industries such as advanced therapy manufacturing – highly specialised production techniques that allow us to use cells and genes to treat a wide range of diseases, from cancer to dementia.

Supporting sectors like these requires a holistic approach – addressing fiscal, regulatory and skills challenges – something the last Labour government did very well, with leadership from David Sainsbury, Alan Milburn and Paul Drayson.

It also requires Government, NHS and industry to work together.

In the context of Brexit that means a tax regime that incentivises investment in R&D and manufacturing, a long-term regulatory strategy for the UK’s Medicines and Healthcare Products Regulatory Authority to lead in global standards, and a plan to secure and nurture the relevant skills for emerging manufacturing technologies.

So, we should stop looking at the NHS just through the silo of health policy. We should look at it as an engine of economic, social and technological growth

Understandably our point of collective focus across the sector has been the Five Year Forward View, and we all eagerly anticipate its update later this month but there are just 156 weeks left of the Forward View.

While there are a number of aspects of the Forward View Labour supports, too much of its early implementation has been bogged down in public spats between NHS England and Number 10 about spending commitments.

And given the demographic shifts I’ve referred to and the implications of fast developing technology, I would argue we need a twenty year forward view as well so we can properly plan a health system around the needs of the population, rather than the parliamentary cycle.

That means planning for the health needs of today, and of tomorrow, beyond the next five years.

Let me give an example. A person’s health during childhood can have knock on effects for everything from their education and family relationships to their long-term chances throughout their lives.

Nearly one in five children in the UK live in poverty, with children from the most deprived backgrounds experiencing much worse health compared with the most affluent.

The UK ranks 15th out of 19 Western European countries for infant mortality rates, with infant mortality more than twice as high in the lowest compared with the highest socio-economic groups.

Labour in the past decade made defeating child poverty a central driving mission. I believe it’s time to put just as much energy behind improving children’s health. Over the coming weeks I will begin to outline how Labour’s ambition for better children’s health will be a central policy priority of mine.

Let me say a word or two about the finances both now and in the future.

It’s time we had a national debate in this country about the long term financing of the NHS and social care system.

My Party under Tony Blair and Gordon Brown led that debate at the start of the century and increased National Insurance to fund record levels of investment. When it comes to the investment needs of the NHS we need to be just as ambitious again over the long term.

But with the Chancellor’s Budget just around the corner there is no doubt we need an urgent change of direction in the short term.

The NHS is going through the biggest financial squeeze in its history.

Spending per capita is set to fall in 2018/19.

Hospital deficits are at record levels.

Capital budgets are being raided year-on-year to plug the black hole in hospital budgets.

Workforce planning has been woeful resulting in 26,000 fewer nurses than we need, 3,500 fewer midwives and a 26 per cent growth in agency spending over the three years to 2016. Brexit is likely to only compound the workforce problems we face.

But of course one of the biggest drivers of problems for the NHS is the crippling cuts to social care over the past seven years. You simply cannot take £4.6 billion from social care provision and not expect it to impact the frontline. Delayed transfers of care are up 68 per cent on 2010.

Patients are waiting longer to be seen in A&E. And waiting lists are growing as hospitals struggle to move patients through the system

This government must act in the budget next week. There is general consensus that social care now requires an immediate £2bn funding boost – as outlined by the Nuffield Trust in the Autumn and reinforced by the Health Foundation today.

This is a crisis that cannot be ignored any longer. That is why I am calling on the Government to act in next week's Budget.

At the very least the Government must bring forward this £2 billion of funding so that social care providers can increase capacity and take some of the pressure off hospitals.

But while I totally accept and understand the collective lobbying for social care we must not lose sight of the wider problems across the NHS too.

Too many hospitals are operating at unacceptable capacity levels.

Almost every week a new warning about the front line. Some say it’s a ‘humanitarian crisis’ others say the NHS is on a ‘burning platform.’ Sir Robert Francis says there’s an ‘existential crisis’ that could make another mid-Staffs “inevitable”.

Ministers may not like the rhetoric of these statements. But they can’t carry on ignoring the realities.

Trolley waits rose 58 per cent last year, and 2.5 million people waited over 4 hours in A&E.

The 4 hour target hasn’t been met since July 2015.

The 62 day cancer target hasn’t been met since December 2015.

3.7 million people are now on the waiting list for treatments.

Figures this morning show Trusts continuing to declare OPEL 3 and 4 alerts.

And yet, it is said the Prime Minister simply dismisses calls for NHS funding by letting it be known she cut policing budgets by 25 per cent. Offensive and crass.

Let’s be clear – she can’t accuse the NHS of “crying wolf” over a funding squeeze that has driven a dramatic decline in the standard of services.

The Prime Minister might have no sympathy for the NHS but she would be negligent in her responsibilities to the public if in the Budget next week she doesn’t also bring forward urgent plans to give the NHS the funding it needs.

Indeed every year the Prime Minister puts off this decision and cuts back on investment in the health service, the gap in the service becomes wider, the population becomes sicker, and the sacrifices which she will ask of patients and taxpayers in the long term become more severe.

I believe the NHS needs the sort of investment necessary to stabilize and then rebuild health care around the changing demands of the population.

That means a shift to community services and care closer to home; an NHS centred around public health interventions; and a renewed focus on child health to protect the health of our country in ten, twenty, thirty years down the line.

But this transformation is impossible while the Government push the funding so tight that every penny is needed just to keep the service running.

If STPs are about greater collaboration, a more strategic hand regionally in the delivery of services, genuine planning, moving away from unnecessary market forces – then that is a principle Labour supports.

If the funding crisis means the process becomes about filling financial gaps rather than transformation in the interests of patients we won’t support them.

That means Labour will look carefully at each STP plan and judge them on their merits.

When they are working for patients, we will say so. When they are working against patients, we will say so too.

Many of my remarks today have focused on the difficulties facing the NHS.

It’s my job as shadow health secretary to say when and where I think the government is going wrong.

But it is also my job to set out what an alternative policy agenda looks like.

I want to work with you over the weeks and months to come to shape a Labour vision of health care which prepares our nation for the decades to come.

Labour will give the NHS every support that it needs.

A long term funding settlement, which supports staff and patients. Services designed with quality and safety at the forefront.

Access to technology and innovation so that the NHS can benefit from the frontiers of science and medical research,

And above all Labour will focus on a forward facing, preventative health strategy which aims to keep our whole population well, not just five or ten years in the future but 30, 40 or 50 years too.

A health service which cares better for the young and cares more effectively for the old.

There are huge challenges ahead but I’m confident we can face them.”