#starting salary has me taking home 2k a month after tax
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guys I’m losing it I’m having such a good time. I just got that job!!!
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Hi everyone or antyone who's gonna actually read all this
c’est moi Yaya FKA tumblr user @997 a non-presenting trans woman living with my non binary little sister and lesbian mom on the world’s 7th deadliest/most dangerous cities in the world, Fortaleza, and who's been thru hell and back the last few years as some of y'all may know and yes this is a donation post so if you’re familiar with our story and have some coin to spare scroll down to get my info but if you don’t and is willing to read all this here is why I need your help more than ever:
My mom never had a real job. She had me at 19 and my father who is a military promised to provide for her while she would take care of the baby and the house. It was old fashioned but here in northeast brazil people were still kinda living like it was the 40s in 1993. Everything she had that produced income was temporary and unstable and dangerous, like working on a drugstore and getting robbed thrice a week, convincing people to make credit cards on our town’s main square all day long walking by feet under a 90° sun to get paid like $600 a month… and it wasn't even close to enough to keep two kids (my little sis had just been born back then) and lead a decent life, since it was one my parent’s longest break ups. But that was when she was finally able to get a high school degree, at the age of 30.
Ten years later, in 2014, I convinced her, after 25 years married to my incredibly toxic father that blamed HER (who was drunk) for being sexually assaulted by his brother, and used this through my entire childhood and adolescence as an excuse to cheat on her many times with many different women. We also had to deal with my father being chemically dependent to drugs since he was 18yo, which led to many missed opportunities and irresponsibly spent money, which would always take its toll on our finances. tea is we never rlly spent a single month without hustling a lot to get basic living. Maybe once for 3 years exactly when I was born and he got into the army, but that was it.
Nowadays both me and my mom work part time at this place teaching little kids their home-works to get paid a little less than $180 dollars each/a month. Six months ago my father managed to cut my alimony off and now only pays my sister’s alimony which basically pays for our three bedroom half-house. The other bills & food & gas is paid by our salary + the graphic design freelance thingies I get every once in a while and when she has enough courage to UBER.
We’ve been living together for a year now, from 2010—2017 I was living with my father’s sister, an incredibly toxic aunt that would disguise her fatphobia and motherly issues that she has with her sociopathic daughter as overprotectiveness and control and compulsion towards me. So yeah, I’m just glad we’re finally getting this time to be an actual family together but it has been tough since our financial conditions been unstable. So thats why I am asking for yalls help: My mom needs money to start this radiography course that takes 2 years and it costs an amount of money that is completely out of our budget (like 2k dollars) but it can get discounted up to 45% if we pay everything in advance, or get like 20% off if we pay every month without delay. So yeah if you have any coin to spare, help would be much appreciated since a dollar/euro costs 3-4 times more than our money and a pound up to 5 times more! my paypall is [email protected] and you HAVE to use the "pay for good or services" option cause it’s still the only way some countries get to receive paypal transactions as of now (and yeah they tax over the transaction but what can I do)
if you dont have the coin but follow me and like my content or just empathize with my story please reblog this post! <3
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Esports join NFL, other traditional games as jock tax target
Millions are watching NFL playoffs today. But millions of other esports fans enjoy competitions like this match between Dallas Fuel and New York Excelsior at the Blizzard Arena in Los Angeles last June, the second season of the Overwatch League. Among those also watching esports closely are state tax collectors. (Image by Dallas Fuel via Wikipedia Commons CC BY 3.0)
Tonight, we'll know which two National Football League (NFL) teams will be in South Florida next month to play in Super Bowl LIV.
While you can never predict who'll win any game — just ask the previously heavily favored Baltimore Ravens — we can safely say that a couple of state and city treasuries will be winners today.
In addition to playing for pride and their respective conference championships, the NFL team members will get more money.
More money, regardless how it's earned, means more taxes.
And where it's earned also will mean more taxes taken out of the extended NFL season's extra paychecks, thanks to jock taxes.
Potentially high cost of home fields: Jock tax is the popular name for the collection of taxes from professional athletes and other entertainers when they make money in a particular tax jurisdiction, usually a state and some larger cities.
Since professional athletes and entertainment stars command so much public attention, states et al can collect these added taxes relatively easily.
In the American Football Conference (AFC) title game, Tennessee has no income tax, but the Titans are meeting the Chiefs on their Kansas City, Missouri, home field.
That means that players (and coaches, trainers and other on-field personnel) from both teams will pay taxes to The Show Me State, which has a top 5.4 percent rate, as well as Kansas City.
Over in the National Football Conference (NFC) match-up, the Green Bay Packers are in San Francisco. Win or lose, the Wisconsin NFLers, who at home face a top tax rate of 7.65 percent, will owe higher California taxes.
The Golden State's taxes go up 12.3 percent, the highest state income tax rate in the country, and have another 1 percent surtax tacked on for millionaire earners.
Gamers now under the tax gun: Of course, few folks are concerned about the taxes that highly paid professional athletes face, both from their home tax collectors and other states and cities under jock tax rules.
But another group of competitors who get less public attention now are finding they are popular state tax targets, too.
More and more state tax departments are coming after esports players.
Esports, the shorthand name for electronic sports, are competitions using video games. They often are organized, multiplayer video game competitions, particularly between professional players, individually or as teams.
"While professional athletes in the NFL, MLB [Major League Baseball], NHL [National Hockey League] and NBA [National Basketball Association] — and entertainers — have been an attractive target to state tax collectors due to their public schedules and high salaries, gamers have been performing under the radar, until now," writes Ellen Zavian in The Washington Post.
"With the recent move to franchise type models for popular games like The Call of Duty League, Overwatch League and the NBA's 2K League, states are becoming more aware of when these esport competitions will take place within their borders, which teams have won big prizes, and more importantly, where the players are located," notes Zavian, a professor of Sports Law at George Washington University.
Growing gamer revenue: It could be big money.
Before this year, the Overwatch League was exclusively in California. Next month, it will launch with resident teams in multiple states. Most of the competition locations, including those outside the U.S. borders, like France and Canada, have statutes allowing them to collect jock taxes.
The only tax-safe places for the esports participants are Texas, with no income tax, and Washington, D.C., which is prohibited from collecting tax on nonresident earners.
One recent big esports winner found out just how big the tax bite on winnings could be.
Jay, aka Jay Won or @sinatraa on Twitter, took to that social media platform to bemoan that his take after winning the Overwatch League’s Grand Finals in Philadelphia in 2019 would be cut dramatically once taxes were withheld from his payout.
getting taxed 55% of grand finals earnings, cool cool :) LETS GO!!!!
— Jay Won (@sinatraa) December 30, 2019
You don't need the mythical sarcasm font to know that Jay really doesn't think "getting taxed 55% of grand finals earnings" is "cool cool."
That 55 percent tax bite is this week's By the Numbers figure.
More players, more money, more tax collectors: Things likely will get worse from the tax perspective for esports players.
The whole field (which escapes me, but hey, OK, Boomer) is expanding.
The total esports audience is expected to grow 15 percent this year, to 454 million people watching others play fast-moving player-versus-player matches onscreen, either in person at tournaments or, more often, remotely through digital streaming services.
The estimated 2019 revenue of esports is expected to top $1.2 billion worldwide, six times more that reported just five years ago.
The pool of competitive video game players also is growing.
More U.S. middle and high schools are adding esports teams. Colleges and universities that field esports teams are offering millions of dollars in scholarships to those young players. At least a few of them will go on to play professionally and pay tax on their gaming proceeds.
Roger Quiles, founding partner of Quiles Law, a New York based esports agency, told Zavian that he can see a day where esports performances and competitions that solely take place on the Internet will begin to draw the attention of state tax collectors as well.
Who's really surprised?
Whenever money changes hands, either in old or very new ways, the tax collector generally is part of the transaction.
You also might find these items of interest:
Sports betting can pay off for states, but maybe not as much as hoped
Illinois to start tax withholding from some nonresident employees' paychecks
Video game companies benefiting from tax breaks designed for 'old' industries
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Is there affordable health insurance out there for someone who has had high blood pressure?
Is there affordable health insurance out there for someone who has had high blood pressure?
Is there affordable health insurance out there for someone who has had high blood pressure?
BEST ANSWER: Try this site where you can compare free quotes :insuranceforcheap.info
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I'm 37. I was relatively retired from 23-30. I worked 5 hours a week, earned 25-30k a month and had a blast. I still feel the same: good and positive. It's just, I'm in a 500sq ft shithole apartment with 2k net worth (12k in possibly pointless machines) $6.00 in checking, $1000 in saving.I went to prison. Drugs played a role in my earning. A big role, but I financed flipping houses and boats and lent out money to almost anyone with a dream and a work ethic. The money I had protected in case of arrest, which was 200k in equity across three homes and 80k in cash, was stolen by my mother. That's the backstory, but hopefully not the full story.While gone, I underwent a massive awakening. I realized I could have been successful at anything. Now, I come out, clean spirit, healthy mind. Day one, I walk and get a job, $9 an hour to organize a dusty warehouse. A worker gives me a rusted 10-speed. I ride it to businesses after I get out of work each day. I was interested in one field in particular. My friends started a business while away and failed. I thought they were dumb; the industry full of kids and modeled incorrectly. So I ride to those businesses, talk to owners, and within 3 weeks of release convince one to hire me as a manager. He had 2 locations, average 8k a month in sales. (WTF?) Fast forward 18 months, he's absent, I'm on bank and running every aspect of the business. We have 1 location averaging 25k a month, steady growth. I think we cap at 32-35k in 6 months. We are reopening 2nd location Oct 1. Friday I sign papers to own 30%.I believe the industry can experience a shift in its model. The machine I've been working on for a year is going in a store Friday. My plan is to start a new business making these machines and sell them to the many business across the country. Create a logistics company that oversees the machines. There are other ways to earn from them, but (and I hate to say this) like with narcotics, I'll be a middle man. One guy does all the work, customers benefit from the machine, I take a portion and do little. My boss & soon to be partner is not aware this is my plan. I intend to stay managing this for 6-12 months. I've been prepping guys to run things similar to me since I started. My machines (if they work) will benefit my soon to be business. I imagine with two stores and these machines, which should double a store's profit, we will profit 300k a year, after 2-3 years of growth. I'd be happy if we had a smooth 100k. He was taking no salary and losing 18k a year, so, although he may be butt sore and my actions may be a dick move, I just want to keep it real with you.I'm older. My past is fucked. I want a woman in my life. I've done nothing but work and sleep since release (I had to learn accounting and taxes). I'm about to embark on another leg of this trip, one I hope will let me chill again. I miss good food. Best case it's full burn for another 18 months. Does this outline sound plausible or more like a bunch of wishing and praying?I'm asking if anyone has gone from nothing to something and then back again?
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from http://bit.ly/2fzNu8Y http://bit.ly/2BEcqao
Hi everyone or antyone who's gonna actually read all this
c’est moi Yaya FKA tumblr user @997 a non-presenting trans woman living with my non binary little sister and lesbian mom on the world’s 7th deadliest/most dangerous cities in the world, Fortaleza, and who’s been thru hell and back the last few years as some of y'all may know and yes this is a donation post so if you’re familiar with our story and have some coin to spare scroll down to get my info but if you don’t and is willing to read all this here is why I need your help more than ever:
My mom never had a real job. She had me at 19 and my father who is a military promised to provide for her while she would take care of the baby and the house. It was old fashioned but here in northeast brazil people were still kinda living like it was the 40s in 1993. Everything she had that produced income was temporary and unstable and dangerous, like working on a drugstore and getting robbed thrice a week, convincing people to make credit cards on our town’s main square all day long walking by feet under a 90° sun to get paid like $600 a month… and it wasn’t even close to enough to keep two kids (my little sis had just been born back then) and lead a decent life, since it was one my parent’s longest break ups. But that was when she was finally able to get a high school degree, at the age of 30.
Ten years later, in 2014, I convinced her, after 25 years married to my incredibly toxic father that blamed HER (who was drunk) for being sexually assaulted by his brother, and used this through my entire childhood and adolescence as an excuse to cheat on her many times with many different women. We also had to deal with my father being chemically dependent to drugs since he was 18yo, which led to many missed opportunities and irresponsibly spent money, which would always take its toll on our finances. tea is we never rlly spent a single month without hustling a lot to get basic living. Maybe once for 3 years exactly when I was born and he got into the army, but that was it.
Nowadays both me and my mom work part time at this place teaching little kids their home-works to get paid a little less than $180 dollars each/a month. Six months ago my father managed to cut my alimony off and now only pays my sister’s alimony which basically pays for our three bedroom half-house. The other bills & food & gas is paid by our salary + the graphic design freelance thingies I get every once in a while and when she has enough courage to UBER.
We’ve been living together for a year now, from 2010—2017 I was living with my father’s sister, an incredibly toxic aunt that would disguise her fatphobia and motherly issues that she has with her sociopathic daughter as overprotectiveness and control and compulsion towards me. So yeah, I’m just glad we’re finally getting this time to be an actual family together but it has been tough since our financial conditions been unstable. So thats why I am asking for yalls help: My mom needs money to start this radiography course that takes 2 years and it costs an amount of money that is completely out of our budget (like 2k dollars) but it can get discounted up to 45% if we pay everything in advance, or get like 20% off if we pay every month without delay. So yeah if you have any coin to spare, help would be much appreciated since a dollar/euro costs 3-4 times more than our money and a pound up to 5 times more! my paypall is [email protected] and you HAVE to use the “pay for good or services” option cause it’s still the only way some countries get to receive paypal transactions as of now (and yeah they tax over the transaction but what can I do)
if you dont have the coin but follow me and like my content or just empathize with my story please reblog this post! <3
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Would it be cheaper to insure honda civic or honda accord?
"Would it be cheaper to insure honda civic or honda accord?
I'm talking about general prices for each of them, I'm thinking accord is cheaper because its cheaper and non sporty and a family sedan can anyone tell me how much they pay for their inusrances?
BEST ANSWER: Try this site where you can compare quotes: : http://saleinsurancequotes.xyz/index.html?src=tumblr
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I had healthy families insurance but since i turned 19, it got canceled. I'm a student at ucla and i have health insurance but no dental plan and recently my wisdom teeth have been a nightmare. Does anyone know an affordable dental insurance that help me out in this situation? Thank you so much for the help!""
Life Insurance / Burial Insurance help please (ENGLAND)?
I need advice about applying to and paying for some type of insurance. This would be on behalf of my mother so when the time comes for her to leave me, I will be able to pay for her funeral. I have spoken to her but she is stubborn and set in her ways and thinks I will automatically be able to cover the financial costs for her funeral when she does pass away. I dont care for money for myself, I just want to know that I can pay into something so upon her passing I will be able to pay for her funeral costs (instead of my mum taking out the insurance/policy it would be me on her bahalf as she is terrible for thinking about stuff like that). I am an only child as so I am solely responsible for paying the expense""
Has anyone else's car insurance increased this year for no apparent reason (UK)?
Our insurance renewal came through this week and it has increased by 400 to 1,450 for third party cover even though nothing has changed! We went on all the comparison websites and they were all quoting a lot higher too - one quoted us 3,500!! We've actually managed to get it down to 1,300 fully comp with Tesco (Third party quote was higher for some reason?) but I still find this to be a lot considering we are both 24 and my partner has 4 years no claims and has been driving for 5 years and I have been driving for 3 years. Has anyone else found that their insurance has increased this year?""
What is the best insurance company to work for?
I'm 19 and i have also thought getting into sales would be exciting. there is other reason but doesn't really matter. Anyway I'm hoping that there is a good Insurance company that has a good training program and allows entry level people to work hard and succeed. A company that wants people to succeed. So far every agent i have talked to has said their business is the one to be in so i just want some not so bias opinions. seems like all the insurance companies just want to get UN knowing teens ( like myself ) in and work them for 6 months to a year and suck them dry of all the money they have. i understand that you have to work and its not just six figures in the first year.
Live in different states then parent: Car insurance?
Do I have to live in the same state as my dad to have my car under his insurance? I live in NC and he lives in SC if that makes a difference. Thank you!!
Would it be cheaper to insure honda civic or honda accord?
I'm talking about general prices for each of them, I'm thinking accord is cheaper because its cheaper and non sporty and a family sedan can anyone tell me how much they pay for their inusrances?
General concepts of health insurance?
What are the general concepts of health insurance? What arevarious types of private health insurance options? Difference between them?
How much does motorcycle insurance cost in California?
Im 18 and i live in california, On average how much would insurace cost for me? . Also lets say i do get my license without purchasing a motorcycle, will my insurace rates still go down throughout the years even though i do not own or currently riding one?""
Ever felt like a criminal for trying to insure your car?
hi there i am a young male driver 20yrs old i am trying to insure my first car which is a suzuki wagon r+ ga and i fell as if i am a pure criminal i have tried many insurers online on the phone and in person i cant find a quote for under 1300 i woundnt mind so much but the car only cost me 200 and they wounder why people drive without insurance well at these prices i am personaly tempted can anyone tell me where i can find a cheaper qoute have tried hundereds prices have ranged from 1295-3645 (well saying this country is constanly ripping us off all the time is about time the goverment was standing in and helping out us motorist a bit they want to reduce the amont of cars without insurance they need to reduce the cost whats your fellings)
WHAT WOULD HAPPEN IF I DRIVE WITHOUT CAR INSURANCE AS WELL AS NO FULL UK LICENCE?
HELLO, ONE OF MY FRIEND WANT TO KNOW, WHAT WOULD HAPPEN, IF HE DRIVE WITHOUT CAR INSURANCE, AS WELL AS WITHOUT FULL UK LICENCE. HE HAS GOT PROVISIOAL LICENCE, JUST ASKING. HE NEVER DRIVE ANY CAR WITHOUT FULL LICENCE AS WELL AS FULL INSURANCE. JUST HE WANTS KNOW. WHAT WOULD HAPPEN IF POLICE CATCH HIM ON THE ROAD, I HEARD THAT POLICE WILL TAKE HIS CAR,SCRAP THE CAR, WHAT ELSE, WILL HE FINE OR PRISON? HE JUST WANT TO KNOW.""
Insurance for expecting baby?
Where can I get free / low cost health insurance for my expecting baby? In louisville, Ky ???? Please help!!! Im 18.""
AA insurance terrible?
AA insurance sent me a renewal letter for car insurance. The bill was just over 900 pounds. Bearing in mind for years i just paid and didnt shop around . This time i had more time on my hands and i shopped around, the only thing i changed was no claims protection. Apart from this it was identicle. I went on compare the market.com and found esure who quoted me 425 pounds has anybody else found the AA to be expensive. The AA said they had shopped around for me and they had given me the cheapest quote. But i got my quote in around 8mins and 500pounds cheaper.""
What company would provide shipping insurance?
I want to sell some jewellery on Ebay and I will end up shipping it to Canada or US. Canada post offers a maximum insurance of $500. Which (if any) company would provide insurance at replacement value? Or at least a $1,000?""
What would insurance be on a 18 year old driving a 2005 nissan 350z?
well i got 1 speeding ticket but other than that nothing else how much would it cost me a month on average. i live in south carolina.
""Affordable, good health insurance in Georgia?
I buy my own health insurance. Currently I am being ripped off by Blue Cross Blue Shield! They suck and they are very expensive. Anyone know a better health insurance that is not too expensive? I am a 27 year old female that makes $300 a week (just got laid off to part-time)
Who has the cheapest full coverage insurance in ca?
Who has the cheapest full coverage insurance in ca?
What are my options to get my car back from the insurance company?
I got into an accident about a week ago. the front passenger side was damaged. the insurance company told me today that it was a write off. they wouldn't be able to fix it, which is complete bull. It is a 98 Honda Civic with 200,00 km on it, and they are giving me $2800. What can i possibly do? Can I get my car back and repair it myself (by myself i mean a bodyshop i will take it too out of my own pocket)? What happens in that case? Will they give me any money or would i have to pay them?""
I recently moved to Brooklyn and I need to find affordable auto insurance for my car. Any suggestions?
I know car insurance in NY is expensive in general, but any suggestions would help!""
How much more dose car insurance costs for teens than middle aged people and why?
How much more dose car insurance costs for teens than middle aged people and why?
How do pilot insure themselves in the USA?
Is that covered by the owner of the airplane or do they need to have their own personal insurance?
What is the CHEAPEST homeowner's insurance around?
Along with flood insurance and car insurance, but the main thing is homeowner's insurance. They've gone up on us something fierce, and we don't live in a mansion. Affordable homeowner's insurance is the question. Thank you.""
Insurance costs a fortune?
Anyone know of an insurance company that can give really cheap quotes for teenagers. UK Based
Car insurance rough estimate?
55 years old, recent drink driving conviction, Mazda sports car worth < 2K.""
What are some cheap Auto Insurance Companies?
I pay 193 a month for basic liability with 21st century Insurance. Where can i get a cheap quote?
What is the average cost of motorcycle insurance for a HD night rod special or VROD?
What is the average cost of motorcycle insurance for a HD night rod special or VROD?
How much do you pay for taxi insurance in the USA? Who is your provider? I want to operate an independent cab.
I am in Washington state and I am doing my research into the profitability of starting a small taxicab company with 1-2 cars. Only one one insurance agent has returned my calls and he said insurance would be around $32,000 per year for an independent cabby. I am shicked - is this true?""
Auto insurance wrong information!!?
Relatively, I am a new resident in the USA, I have been here for 18 months only, and I am trying to get a car insurance. The problem is the insurance companies give a huge discount for those who got licensed in the USA or Canada at age 16, but they do not consider other countries. For this reason I have to pay a ridiculous amount of money to get the state minimum requirements for auto insurance. In fact I have been licensed in my country since 1998.. I wonder what's the influence if I choose to answer yes when the insurance company agent asks me whether I got licensed at age 16 or not in the USA or Canada? Because technically I am already licensed at that age but not here!!""
I need health insurance as a student! Help?
My parents had the COBRA. Plan until my mompassed. Since then my dad and i have been self insured. My dad has some veterans insurance but i dont have anything. Im 18 and will be a full time college student in september. Are there any affordable plans out there? I make around 10,000 a year for my part time job..""
By how much car insurance will go down after 1 year NCB?
I am 29, have been driving for ages, previously had another country license, got UK license last year and bought a car. My car insurance is due to expire next month. I was wondering how much it will go down with one year no claims, just looking for an estimate. or how much did your insurance go down after a year.""
""If i pay CASH for a street bike [motorcycle], do i still have to get insurance?""
certainly i wont have to get full coverage since it will be paid for, but am i required to get liability, as i would with a car? if you show me a link to a website that backs up your answer, i will select you for the best answer.""
CALIFORNIA DRIVERS-Insurance question?
am about to test for my license tomorrow, and on the list of requirements, it says I need proof of insurance. That just means for the car I am using right? It's not like you can insure a person...My friend keeps telling me I need driver's insurance but that does not exist, am i right? I guess the question is: What needs to be insured?""
Would it be cheaper to insure honda civic or honda accord?
I'm talking about general prices for each of them, I'm thinking accord is cheaper because its cheaper and non sporty and a family sedan can anyone tell me how much they pay for their inusrances?
Cancel my car insurance?
My car is sitting at a farm on blocks. but l am still paying insurance on it. It's only liability. The car doesn't run. Should l just let it get canceled by not making a payment? don't know when it will be on the road again. perplexed
Looking for health insurance for my parents who were deemed 'high risk' and have been rejected several times.
My dad is self-employed, so no company insurance plan, and my mom does not work. They are both considered 'high risk' because of health problems and having to take several prescription medications. They have been rejected a few times, one was Blue Cross Blue Shield and I don't know the others. I'm very concerned for their health and want to find something to help them. My dad makes enough money to not qualify him for anything for low income families. Does anyone know about any affordable health insurance companies that accept 'high risk' people? Or insurance for the self employed? Thanks!""
My parents just lost there health insurance. ?
My dad retired from the city of Stockton after 36 years. Due to our city filing bankruptcy all retirees now have to pay for there health insurance(1200 dollars a month for my parents). This is just not affordable for then so they lost there insurance. My mom takes enbrel for her medical condition. How can I get her that medication at an affordable price? I have been looking but can't find any help. My parents are 60 years old.
Car insurance help needed ASAP thanks.?
Ok. My father has his own jeep insured in his own name.He has owned the jeep since 2005 and he still has it this day.He has a 9 year no claims bonus on it.He is insured with FBD insurance.His insurance is commercial. Now I have my own car which was only bought recently but I put my car in my fathers name.Now the reason been is because im trying to get my insurance cheaper.Now I dont want any comments saying that its insurance fraud because every one is broke now and trying to get things cheaper just like myself here.Now what I was thinking if I were to go with a differant car insurance company than his and if he were to go as main driver and me as named could he say that he uses the jeep for commercial use and the car for private use? If that works can he put his 9 year no claims bonus on my car which is in his name so ill just say he owns it for now one.So can he put his 9 year no claims bonus on my car aswel as his own jeep aswel.Because if that worked I would get mine really cheap?So if that would work,I know that if i were in an accident his no claims bonus would be gone but my father trusts me to be a carefull driver. I only want proper answers to my question and thanks very much for the help and it will be much appreciated for it.I live in Ireland aswel ok....Thanks very much.""
Why is my car insurance so expensive? Can someone who knows the facts please explain?
I am 19 I drive an old 1997 Nissan I've only been in one wreck but that was over 3 years ago. I've been driving since I was 16. My mom is now making me pay my own insurance, and she said it would be around $600. This is insane to me. I don't understand why insurance is so expensive especially if you have been a safe driver for years. I feel like you are just throwing away money for nothing. Could someone explain why car insurance is so expensive and why do you think mine is so high?""
""If I Buy Rental Car Insurance, do I or My Personal Car Insurance Pay Anything?""
If I pay for insurance offered by the rental car company, do they pay for everything in the event of a collision? Or, does my insurance still have to pay some of the liabilities? Do I have to pay my deductible? I am simply trying to understand how this works. I have no plans to buy the insurance since I have my own insurance and my credit cards also pay.""
1999 Camero Insurance Question.....?
Hi, my son is turning 16 and our friend has a camero that his is going to give him a good deal on and I know because its a sports type of car insurance is going to be expensive and he is young...... does anyone have a quote or in the business and has a ballpark number? Thanks""
How much is your monthly car insurance bill?
indicate your age and if you have full coverage. I want to know if what I'm paying is average. I'm under 25 and I was involved in an accident.
Totaled car w/no insurance please help?
ok bought a new car in oct 09 then it was stolen I made an insurance claim and they dropped me so I paid 3000 to get it fixed after that I didn't insurance back on it because I couldn't afford it at the time it was $412 a month so I finally was able to get insurance and no one would insure me had almost 8 pts I'm 23 and high risk finally my brother totaled the car and I have 17000left to pay and have not missed any payments should I tell the finance co? This just happed and it's still at the police impound he did not hit anyone I just have a fast car and he hit 3 light poles! Should I file bankruptcy? Get it off the lot? Tow it to the dealership? Tell the finance co please help what's the next steps I have no one to help
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.
How much would my insurance be if i owned a tuner car like form fast and the furious?
because i am 16 right now, and in the future ( 20's) i want to work on one, how much would my insurance be for it?""
PA insurance laws?
Anyone know what the laws are in PA when you buy a car from a private owner? How long do you have to get insurance? I already have it on my car .. and I'm getting this new one and not transferring the insurance until the next day. What are the laws? Is it like inspection that you have 10 days?
Will my insurance go up more?
So a months ago my car insurance went up because of a driving ticket and i just go another...will my insurance go up even more or what will happen????
Do you have to have car insurance just because you have a drivers license?
My mom is bent on the idea that just because I have a drivers license I have to have car insurance as well. I go away for college and I dont drive all year long. We have a family car that I drive once or twice over the summer but other than that I don't get behind the wheel of a vehicle. I don't have any problem with just not driving at all. Am I really legally obligated to have car insurance even though I do not drive? Will it somehow make me less likely to get insured in the future if I remove myself from her insurance package now?
Globe Life Insurance Policy for children?
I've had a Globe Life insurance policy for my Daughter since just after she was born, didn't really think about it as it seemed like a great idea when I got their information in the mail. My Daughter will be 8 years old this February, I simply want to do whatever is best for her. I guess my question is three-fold, am I doing the right thing with this, is this a good policy to have, and lastly should I continue with this? Maybe one more, should I increase the coverage?""
Cheap car on Insurance ?
whats the cheapest car on Insurance in ontario canada?, i need 4 doors small car""
""Cheapest car insurance in St.Cloud, MN?""
Cheapest car insurance in St.Cloud, MN?""
Can I get money back if I cancel my car insurance?
I share a car with my mum but she doesn't allow me to use it, so I figure it would be best to cancel my insurance policy if I get some money back. I only need a car to get home from work on a Thursday night but I have asked my boss if I can do an earlier shift so I can get a bus. He is letting me know if I can do this by the end of next week but in the meantime I would just like to know if it's worth cancelling. The policy runs out in April, I live in the UK and I'm with Zurich if that helps.""
Insurance Nissan 350z?
I was wondering how much it is for insurance for a nissan 350z i'm 18 and haven't driven yet! Maybe somebody can help me
Will i still be insured to drive a car that i took off my insurance policy yesterday?
I have bought a new car and changed my insurance over to that car, just yesterday. However i still have my other car for a day or so and was wondering is there any leeway when insurance is swapped over from car to car to still use my original car?""
Does an 800cc motorcycle's insurance cost much more than a 600cc?
I found a bike I was thinking about buying to learn on today. I like the bike and can't beat the price. I read on yahoo answers soeone said 750cc bikes are actually 749 b/c insurance goes up significantly after that. Is that true? I'm not getting the bike because I want a bigger bike, Id be perfectly happy with a 600 but its a good deal for this bike I found. Will i save alot on insurance and just wait to find a 600cc?""
What happens if I get caught without car insurance?
I'm 16 and I live in AZ. What would happen if I was caught driving my mom's car without insurance? I have my license and never got caught breaking the law. What would happen to me? Car insurance is about 150 a month and I could buy a new car instead of paying that.
Help! Car insurance question?
I am 16 years old and i want to buy my own car. I want to buy something a little older that looks nice, is more reliable, and has more features than a new, cheap car. But some people told me that the insurance premium will be based on the value when the car was new. Is this true? Am I really going to have huge insurance costs on a car that isnt worth that much anymore? PS: I live in alberta, canada my budget is about $5000-$12000""
Can I Buy Car Insurance Without Having A Car?
I'm not planning on driving anyone else's car it's just that my mom doesn't want to put me on her insurance because she says that it'll be too expensive for her (even though I would pay her for my piece). Thing is I don't have a car yet but do plan on financing a ar very soon. I've been pre-approved so I'm pretty much set to go but want to just drive my car off the lot without any problems. Also, does 'non-owner's' insurance like roll over should you buy a ar yourself? Like say for instance I did get non-owners insurance, drove my mom's car and then finally got enough money to buy my own car, can I use the same insurance?""
How much would insurance usually raise adding a minor on it?
How much would insurance usually raise adding a minor on it?
Would it be cheaper to insure honda civic or honda accord?
I'm talking about general prices for each of them, I'm thinking accord is cheaper because its cheaper and non sporty and a family sedan can anyone tell me how much they pay for their inusrances?
Car insurance for someone who only drives 1000 miles a year.?
I drive 800 to 1000 miles a year ( just groceries shopping mostly) and have to pay the same insurance premium as someone who drives 10,000 miles a year. Allstate doesn't care if I drive anything less. I spend more on car insurance than I do on gas. Does any car insurance company give a break to people who barely do any driving?""
Auto insurance quotes in New Jersey?
Hi, where can I get auto insurance quotes for New Jersey area? I need to compare quotes online and hoping to save some money. Currently I think I'm paying way too much for it.""
Cheap car insurance with DUI?
I'm really struggling to pay rent along with everything else, and now I have to pay car insurance or else my registration will be suspended. I can barely afford to buy food with my part time job and school. Is there a really cheap car insurance company that accept DUIs? I don't have bad credit and have ALWAYS paid my bills, I just need something relatively cheap or else I have no idea how I am going to stay under a roof with food. I live in northern California if that matters. I'm 24 and got my DUI 3 years ago. I had actually got stopped because of my light.""
How much would it cost for a 19 year old and 24 to get full coverage medical and dental insurance?
Hi I'm looking to get myself and husband full covered medical and dental insurance monthly priced? we live in florida. I want to do like a family plan maybe. If you could give me seperate prices on the dental and medical, it will be greatly appericated:)""
Do you need insurance for a scooter under 50cc in Pennsylvania
Car Insurance Question?
I have bad dmv record. An accident, a failure to yield and 2 speeding tickets within the last 3 years. I totalled my car and can only affod a car I can buy cash, which I have 18,300 dollars currently. Is there a max of how much the car can be worth for liability through the insurance agencies? I am thinking of spending about 14,000 cash and just getting liability. Is this a good idea? Or should I get a cheaper car? Help is very much needed. Thank you""
Do you think it far we can't get tags with out car insurance?
car insurance is a good thing to have, but do you think the Govener is going to far....?????""
Marital status for car insurance?
trying to fill out an insurance quote and wondering what i come under for the maritial status, been living with my gf for around 6 ish months and we are engaged. these are the options i was given. married single common law partner(separate) civil partnership""
What should I do when the at fault party has no car insurance?
I got into a minor car accident, it was the other party's fault but he doesn't have car insurance. Because it was a rental car, my own car insurance is not going to cover. ...show more""
Car insurance is too much.. must bring down $$ any ideas?
So my boyfriend's insurance went up a lot due to 2 accidents in the same year to the amount he is unable to afford to drive. We are considered Common law now... He needs to be able to drive due to his job he has to get to different locations! We thought about joining our insurance and downing to one vehicle to try and save money to see if that made a difference but the bottom line is we need to down his insurance so he can still get to site... Any ideas?
What's the cheapest way to get insurance when your 17?
I just bought a car and when i found out how much i had to pay i was shocked i heard something about saying you live in a different address from your parents or something i don't remember please help.
Insurance question?
I just bought a 2008 Honda Accord, exl, 4 cyl. I can't even drive it because I dont have insurance, what is the cheapest (most affordable insurance) I should get, i am 20 years old living in ontario california.""
2013 mustang v6 insurance?
I'm 16 years old my dad took me to look at a 2013 mustang v6 the other day I just want to know the avg. rates for it I live in Katy Texas 16 years old Male Don't have a driving record but I had my permit for 10 months I think I will be under their insurance Don't say I should just get a **** car and wait for a mustang.
Car Insurance (Geico) ?
My parents don't have me on their insurance but I have a license does geico know I have my licence because I live with my parents? And by how much will they raise the insurance cost if they put me on?
Auto Insurance Help....?
I need insurance on my car, and i don't fully own it, my name is on the title and i finaced it so i have a lien on it....i'm only 20 so full coverage is pretty expensive! would it be possible for my dad to be able to add me to his policy?""
Car insurance help?
Around how much is car insurance? Am I looking at like 50 bucks a month? 500 bucks a month? I really have no idea. Any help is appreciated.
Do you have health insurance?
If you dont then why ?
""If i borrow my friend's car for a road trip, what about insurance?
i have insurance for my car and my friend has insurance for her car. if i borrow her car for a few weeks (out of state road trip) do i need to get extra insurance?
Insurance for my business?
I run a small local business that is a Pet Waste Removal service. My question has to do with insurance. I don't know much about insurance and I'm pretty lost right now. I'm the only employee. I go to someones house and scoop their pets poop. Do i need insurance for this business and if so what kind and why? How about being Bonded? Thanks I appreciate your help..
Best insurance in Illinois?
I am a young adult, soon I will start going to college and I would like to know what insurance would be best and cheapest, because I will need a lot of money for college. Thanks in advance""
How much have your insurance rates gone down since the affordable care act (0bamacare) has passed?
You know , making it more affordable to keep the coverage you want ? Bonus question . How has the Medicare your parents paid into their whole lives improved their ...show more""
How much would car insurance for a 17 year old driver?
for a used hatch back that costs around 500
Do you have health insurance?
if so, how much is it per month? how old are you? what kind of deducatble do you have? feel free to answer also if you do not have insurance.""
""Young driver insurance, should I get a tracker on my car?""
hi, I am 18, male and have my test in 2 days, I have been looking at cars and insurance but no one will even give me a quote on normal insurance. I have found a 1.0l lupo 51 plate and got a quote for 3400 with the tracker thing that records speeds, acceleration, breaking and that? just wondering should i do that or what? I don't want to be limited too much and feel im being watched. Anyway, does anyone know any companies that will even give me a quote? I know its not going to be cheap because of my age and sex but a price would be nice without that annoying box thing or should I just take the tracker insurance? Thanks in advance""
Tips for cheaper insurance?
I'm 18 year old male so obviously my insurance is a bomb. I passed my test last February 2nd. I have been insured for a 1.0 litre corsa which was around 2,500 a year which is ridiculous, my mate has been driving for about 2 year and his insurance is under 500? I was on my mams insurance with her no claims and all that stuff, keep it in the garage at night, do 6000 mile aYear etc.. I don't really fancy having a tracker, could someone tell me some cars that are cheap on insurance and some good cheap insurance sites? Thanks""
Would it be cheaper to insure honda civic or honda accord?
I'm talking about general prices for each of them, I'm thinking accord is cheaper because its cheaper and non sporty and a family sedan can anyone tell me how much they pay for their inusrances?
https://www.linkedin.com/pulse/can-i-purchase-car-tow-home-without-insurance-bonnie-taylor"
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Earlier this month I left my developer job at Amazon to work for myself. I've documented most of the steps I've taken to prepare myself financially before I took the plunge to go solo. Even though every situation is different, I think this might be interesting to those thinking about doing the same thing. Ask me anything.BackgroundI am 35, living in Seattle with my wife and two small kids, ages 2 and 4. I’m starting this quest for an independent lifestyle with no business and household income yet, and my target is to cover my family’s expenses from my new work before I run out of savings. I will be spending the next couple of months exploring some business ideas, and then will try something in the market and iterate/change based on market feedback.SavingsDue to extraordinary luck and being in the right place at the right time, I managed to save a good amount of money in the last 5 years. My net worth was negative in 2013, but it now stands at around $1.4M, with $1M in liquid assets and the rest in home equity. That entire $1M, minus a small amount, is at stake in this venture. In fact, I’ve already mentally written it all off.On my savings balance I’ve set a surrender threshold of 6 months’ worth of expenses, and if it dips below that line I will abandon this route and go get a job again. I’m quite confident I could find a job within a couple of months that makes ends meet, but I’ve reserved six months coverage just for the extra precaution.I realize that $1M in savings is an exceptional amount of money for many people considering a similar path. However, I believe I would have still left my job and gone this route even with savings that covered just 1.5 years of expenses. One year of runway is a reasonable amount of time to give something a shot, with the other 6 months to fall back to the job market if things don’t work out. Also, remember that even if you start with one year of covered expenses, the runway will grow longer as soon as you start making money. You don’t need to break even immediately within the first year.For example, in my case, I’m starting with 5.5 years of covered expenses. If I simply manage to add $250 of linear income growth per month, I will break even with my expenses in my fifth year while still staying abundantly clear of my surrender threshold. This projection is what gave me the most confidence in taking the plunge now rather than continue to defer it. Adding $250 per month with a digital product in a global marketplace seems doable. For example, if I built a $50/month SaaS, all I’d need is 5 or 6 net new customers per month (depending on operating costs). I’m not expecting it to be easy, but I can see this happening.ExpensesI admit that it would have been hard for me to regress my standard of living, especially with a family. In fact, I promised my family that our lifestyle wouldn’t have to change because of this experiment I’m doing with my career. We did seriously consider moving 30 miles out of Seattle, where houses cost $350 per sq. ft rather than $500, but my family wasn’t enthusiastic about being far away from our current community, and it wouldn’t have made a big difference to my runway anyway.Here are my current cash outflows, averaged per month:+--------------------------------------------+---------+ | Mortgage | $4,000 | | Property tax | $870 | | HOA | $250 | | Home insurance | $165 | | Health insurance | $1,250 | | Life insurance | $115 | | Disability insurance | $165 | | Auto insurance and registration | $185 | | Utilities | $800 | | Groceries and other essentials | $2,000 | | Nanny and cleaning services | $1,800 | | Preschool and kids activities | $800 | | Budget for infrequent or unexpected things | $2,600 | +--------------------------------------------+---------+ | Total | $15,000 | +--------------------------------------------+---------+ The last item is a very conservative budget, and barring any emergencies, I don’t expect to have to spend it all. But the rest are basically my fixed costs. If the circumstances were different, I might have looked at trimming some of the expenses, but it actually doesn’t make much difference in my situation. Obviously, I still retain the option of trimming some expenses in the future, but I’m not expecting to do so right now.Health InsuranceWhen I was with Amazon, I paid $290/month for a family health plan with a $4.5K deductible and $9K max out of pocket. COBRA gave me the option of staying with the Amazon plan for 12 more months at a cost of $1,450/month. When I first looked at alternatives in the ACA marketplace, there was only one insurer in Washington state. It was more expensive than COBRA, and it didn’t cover any of our preferred doctors. But in 2019, two other insurers showed up, and one of them offered a plan with our doctors in-network for $1,125/month, with a $14K deductible and $14K max out of pocket. I’m fine with the high deductible, as I only want health insurance so that I don’t go bankrupt if I get into an accident or get cancer. So I went with that plan.It also turned out that Washington state requires the purchase of dental insurance if you have kids and you buy health insurance through the ACA marketplace. I wouldn’t have bought it if it was optional, but since I had no option family dental coverage added another $125/month to the bill.I was able to enroll in the new plan before I left the job, and I didn’t need to provide any evidence or documentation for the special enrollment.Life InsuranceI bought $5M term life insurance for 15 years with a $1,365/year premium. I did my search through the Geico website, which uses the LifeQuotes broker behind the scenes to aggregate options from many providers in a neat table where you can play with different term lengths and different benefits. I added a feature called living benefits to my coverage, which for an extra $200 premium allows you to withdraw the benefit early in case of a terminal illness.My experience with LifeQuotes was okay. The whole process from applying online to activation took nearly 3 months, which was longer than I expected. Apart from a health check, the underwriter also required tax returns and detailed asset disclosures. I don’t really know why they needed that, but I suspect the financial situation of the insured might be linked to fraud risk — even though it seems difficult to commit fraud with life insurance!I completed this process while I was still employed, but I think it wouldn’t have been a problem doing it after I left. However, I still recommend getting life insurance while employed, since it makes the financial questions much simpler to answer.Disability InsuranceFor disability protection I bought insurance that pays $10K/month until age 65 in case I can’t program anymore. The premium is $2K/year, and the policy is guaranteed renewable at the same cost. Unlike life insurance, I think it is very important to get disability insurance while you are still employed, because the policy is designed to pay if you are unable to continue doing the same type of job you have at the time you buy the insurance. They do employment verification and are more rigorous about health history and financial disclosures than the life insurance underwriters.I would actually have preferred to get $15K/month, but since I also had disability insurance of $25K/month from Amazon, my total benefit would have exceeded my salary, and the underwriters consider that over-insurance. Again, I suspect this has to do with fraud risk, because they really insisted on not taking my money. At least the benefits from disability insurance obtained privately are not taxable, so I would be able to keep the whole $10K/month if I ever were to claim.I searched for this insurance through an online broker called Policygenius. The overall experience was better than LifeQuotes, and the process was completed in 2 months.Umbrella InsuranceI bought $1M umbrella insurance from Geico for just $137/year with a single click from their website. I already had auto and home insurance with them, and this policy extends the liability coverage after the first insurance is exhausted. Coverage through the website is limited to $1M, and you have to call to request higher limits up to $10M. I might add more coverage eventually if the cost continues to be around $150 per $1M.While I was on the Geico website, I also made sure that I was maxed out on all the liability coverage on my auto insurance. I have it at $1M injury and $500K property damage, which is the maximum allowed. To lower my premiums a bit I increased the deductible to $2,500. Just like with health insurance, I don’t need insurance for repairing a scratch. I just want it to avoid financial ruin.Retirement SavingsI have only been in the US since mid 2012, and I’ve maxed my 401K contributions ever since. I’ve accumulated about $180K in my 401K account thanks to the bull market, and I consider this money, minus tax and early withdrawal penalties, to be part of my liquid savings. This might shock people who consider early withdrawals as something you would only ever do under extreme hardship, but for me this is just another form of optionality. I don’t intend to do an early withdrawal, but this is money like any other.As a small optimization, I will likely convert my 401K to a Roth IRA sometime this year. The conversion will require me to pay income tax on the $180K, but since this year’s tax brackets will likely be the lowest I will ever be in, this seems like a good strategy. A Roth IRA grows tax-free, and withdrawals are not taxed.Home EquityI bought my first home at the peak of the bubble in 2008 (outside the US), and when I sold it in 2014 I had to write a check to the bank instead of the other way around. I had better luck later when I bought my current home in Seattle just before the market spent 20 straight months as the hottest in the country. My home equity grew by about $400K in 3 years, and just before I left my job I refinanced my mortgage to cash out $250K of that equity. I didn’t really need the extra cash, but I figured that liquid cash in the bank adds optionality, and it would have been hard or impossible to refinance later without a high income stream from a steady paycheck. I’ve put the cashed-out money into short-term US treasury bonds at 2.5%, and after paying the bank 4% interest this $250K is only costing me $3,750 per year.It took me about 3 months to close the refinance, but that’s because my property is in a mixed-use zone, which spooked many lenders. A regular single-family home should be able to be refinanced in about a month. My total closing costs were about $3.5K.While I was shopping for the refinance, Key Bank also offered me a $150K line of credit at 5.5% interest at no cost and with no withdrawal obligations. They didn’t even require an in-person appraisal. I took that as well, and it closed within a couple of months.InvestmentsI’ve put 70% of my savings in short-term US treasury bonds and about 10% in CDs, both of which pay about 2.5% right now. I picked up some CDs not for the slightly higher interest rate, but out of paranoia, just in case the US government does something unthinkable. The other 20% is in a few tech stocks that I’ve held on to for a long time. It wouldn’t be a bad idea to convert those stocks to treasuries as well, but I enjoy a bit of speculation on the side.Also out of paranoia, I’ve split my positions across two brokers. Since I’m going to depend on this money to put bread on the table, I didn’t want all my eggs in one basket.
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