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whatzappening · 6 years

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The Zappadydoodah

Hello! I’m Jenny – I am 38, married to a beautiful (in all the ways) lady for five years. We have a son who is nearly two and another baby on the way. I’m writing this down because I’m in a transformative time of life, with deliberate hope for change occurring around some treatment for my Stuff. I’m feeling super overwhelmed, massively restless and thought it might be a) handy to channel it all into a writing area, and b) useful for anyone else in a similar sitch.

The Stuff

So here’s my stuff. Fibromyalgia since 2005, Chronic Fatigue diagnosed since 2011, Depression and Anxiety diagnosed since 2012 but probably always. Definitely always.

Here is a list of some of the things I have done to try to manage/fix/deal with my stuff:

SSRI’s

Meditation

Herbal supplements

Naturopathy

CBT

Psychotherapy

Protein shakes

Exercise Therapy

Counseling

Hydrotherapy

Acupuncture

Pilates

Yoga

All of the Elimination Diets

Gym

Walking

Alexander Technique

Kinesiology

Psychics

Hypnosis

A thousand doctors

Graded Exercise Therapy

Narrative Therapy

Rheumatologist

Physiotherapy

Massage

Reiki

All the other stuff I can’t remember

Short of fish slapping that’s all I can remember right now (I did not try fish slapping). I want to be clear that a lot of these things have been extremely helpful in managing my life and keeping me as upright and mobile as possible. The ones who promised me that they could fix me, did the opposite and caused catastrophic setbacks, in every single case. I don’t feel like me listing which ones are which is helpful because every human reacts differently to different options depending on who they are and what their experiences have been.

I will say, however, that my current team members around my health are counselor, physiotherapist, massage therapist, acupuncturist/TCM practitioner.

So that is my stuff. Read on if you fancy!

What’s happening now, and how and why?

So a couple of months ago we were taking our kid for an outing on a Sunday morning. We thought we’d head to a local market about half an hour’s drive and visit our friends who were selling food there to raise money for the local wildlife shelter. Cute! Fun Sunday outing! He fell asleep five minutes from our destination so we kept going, because sleep is golden and we had no place we had to be, and ended up driving past my sister’s place.

We hadn’t seen them for a little while (she lives there with her daughters who are 19 and 20, both at uni this year so sometimes not there) and pulled up in the driveway, waking them up because they don’t live with a toddler and get to sleep in. I have no bitterness about this, it’s just something worth mentioning.

Her youngest daughter, my niece has had severe fibromyalgia for several years now. The list of things she’s tried are varied and include things like hospital stays, ketamine infusions, morphine – and they didn’t help. Morphine didn’t touch the sides of her pain. I won’t go into too much detail but her quality of life was non existent and she was cut down at her best and brightest. It’s horrific and unfair and all the other things. I have not seen colour in that kid’s face other than green for a number of years.

When we rocked up, she was pink cheeked and was about to go out for brunch with a friend.

Let me pause there – every part of that sentence was not possible for years. So after mouthing OMG at my sister when my niece wasn’t looking, we sat down at my sister’s dining table after her she went out with her friend and my sister took my hand. She teared up and said will you please, please think about trying this thing. It works. Look at her.

And then my heart skipped a beat. It had literally not occurred to me that anything could work. That was certainly not my lived experience. I knew they were trying a thing, and I was ready to support them as much as I could (and knowing that sometimes I need to keep a stronger boundary, to protect my sense of self and eschew self pity) when it inevitably didn’t work and their desperation in scrambling for something, some relief, would continue.

“things don’t work for people like me”

That was the sentence that was ringing in my head, loud and clear as a bell. I had believed one too many times when someone had promised me they could make it all better, and then as time went on the prices would increase and the narrowing field of ways I could be pressed in on me and the possibilities vanished when things that weren’t actually physically possible for me to do (and no, I couldn’t push through or engage in mind over matter, get fucked if you think that’s a thing that can happen in this situation, frankly) and I was a bad, naughty client who wasn’t complying so their promise no longer applied. By then they had all of the money and my sense of self was at rock bottom. Snake oil merchants for the win.

Four or so years ago I had a massive breakthrough with a fabulous narrative therapist I was working on my health management with. One day she asked me how it would be if I could just accept my limitations and not place pressure on myself to be capable of anything more than I could do. That I have a serious illness that impacts every single area of my life, and the more I ignore it the louder it gets. How would it feel to accept that?

Because I was ready to hear it, and because I trusted her, and because I knew everything I knew by that stage, I took it in and really imagined how it would feel. And my shoulders dropped about fifty metres and I felt relaxed and calm.

That year I had my first winter since my diagnosis where I didn’t have a severe depressive episode. I rested more, I kept myself warm, I didn’t push myself to not be such a big whiny baby. I cared for myself. I didn’t pretend I wasn’t unwell. I acknowledged it and acted accordingly. Bloody hell – it was absolutely life altering. I will always be grateful to that therapist for that revelation. Then she went and decided to help the refugees on Manus Island with their myriad of psychological issues resulting from trauma and abuse, which I understood but felt a bit miffed about in a selfish way.

So that huge shift had informed the way I went about caring for myself. What a relief to not feel the pressure of turning every stone over just in case. Wearing myself out going to All The Appointments. Never stopping because if I did that meant giving up.

Stopping is brilliant and should be compulsory for all people in all situations.

So now I have my team around me. Every member is crucial and I’m pretty happy most of the time. I’m a great parent and wife and friend and relative, I think.

The thought of messing with that? Oof. SO risky. Terrifying. But my sister held my hand and asked me to think about it. So I did.

I don’t mean to vaguebook atcha. The thing is called TMS and is usually provided to people who have severe depression. The kind where no medication works and everything is hopeless. It’s non invasive, and uses magnetic thingamebobs to retrain the pathways in your brain that have died off due to illness. So for people with fibro, the pathways of normal sensation are often replaced with pain pathways. Recently when I was extremely distressed about a work situation and I could not deal with what was happening, my brain told me that whenever I took a step I was at risk of my ankle shattering. My ankle was not at risk of shattering, but the pain felt extremely real and terrifying. And so on and so forth. So the TMS thingo (and to be honest it’s a little bit tinfoil hat to avoid the government reading your thoughts) is a metal cap that goes over your hair on the place where the specific neural pathways are, then magnetic waves are sent through the thing which stimulate your brains. It’s habit forming, so doing it once a week isn’t going to do squat. But 3-5 zaps a week (each zap is 30-60 mins) will be highly likely to have an impact. 5 will work faster, 3 will still work the same amount but will take a little longer.

They recommend about 30 sessions and then you can taper off and see how you respond. Here’s the kick. I live 90 mins from Melbourne CBD and it’s the closest place I can go for treatment. A three hour round trip a day isn’t possible for me (both in terms of fatigue and available free time).

My work is quite seasonal so I had planned to close off my books from May for a few months, and we were all going to go as a family to rent a house for a few months and just smash it. But then we both realised my wife’s pregnancy wasn’t getting easier and sooner would be better than later. So the compromise is as follows:

Kicking off this month with a week together as a family for calibration and a couple of treatments, and then I’ll head to Melbourne Tuesday morning til Thursday middle of the day allowing me three zaps (Tues – Wed – Thurs) and on the way home I get acupuncture so I can decompress a bit before arriving for family time at home and don’t just dump all my emotions all over them. I’ll have had time to process and chat a bit. Fridays the kidlet is in daycare, Saturdays and Sundays as per usual, Monday with the wee fella. Tuesdays drop him off at daycare late on my way in to town. We’re getting some help with kid wrangling on Wednesdays from daycare pickup to bedtime so my beautiful pregnant wife won’t have to be too exhausted after working all day. There’s a lot going on. Did I mention we’re married but not legally so we’re going to do that in a few weeks as well? It’s a big time.

I turned it all over and over and over in my head, spoke with some key people and most helpfully talked with my love. You don’t owe us anything, she said, and meant it. You try it, you don’t try it, we love you. Your body and health changes, or doesn’t, we love you. If you try it and it doesn’t work and it creates massive turmoil for you then we cross that bridge. You’ve dealt with worse.

So forward we go.

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ragsandmuffins · 7 years

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Musical Theatre Themed Ask

Okay, I’m gonna answer... all of these! (Because I have a paper to write and zero motivation. And also: musicals.)

Oh, and by the way, I’m going to assume that every “Broadway” is a “Broadway/West End” because Tumblr is a free platform.

1. What was the first musical you saw?

Mary Poppins, West End, 2006 (not 100% sure about the year)

2. What musical got you really into theatre?

Les Misérables - saw the film, started stalking the actors, you know how it goes.

3. Who was your first Broadway crush?

Aaron Tveit (he’s the main one) and Samantha Barks - like I said, stalking the Les Mis actors...

4. Name three of your current Broadway crushes.

Um... still Aaron Tveit? Plus Rob Houchen (Les Mis London) and Cleve September (In the Heights London and soon Hamilton London) - Also, I get “talent crushes” not physical attraction crushes.

5. Name four of your dream roles.

Only 4? Natalie Goodman, Enjolras, Maureen Johnson, and HERCULES MULLIGAN!!

(I can’t sing, act, or dance, nor am I a man, so...)

6. Favourite off-broadway show:

Heathers and The Last Five Years

7. Favourite cast recording.

Gotta be Hamilton, it’s just such a well-produced album. Bonus points for including nearly the entire show.

8. 2013 Tony opening number or 2016 Tony opening number?

2012? The Book of Mormon thing is just pure gold!

9. Favourite show currently on Broadway.

Broadway: I guess Hamilton - There are way too few that I actually know.

West End: Les Misérables forever!

10. A musical that closed and you’re still bitter about. Rant a bit.

In the Heights London! Though I can’t really complain, they extended their initially run several times and now they’ve cast my amazing Sonny as Laurens/Philip, so... But it was just so good!!

11. Best stage to screen adaptation?

Les Misérables. Controversial, I know, but I usually kind of hate movie musicals. With this one they did something new and different and I think it works. The Last Five Years is pretty good too, though it lost a lot in the adaptation (couldn’t be avoided).

12. Worst stage to screen adaptation?

Rent. I’m sorry, I love the show, I love the cast, but it all feels so staged and wrong and meh. Also, they cut Goodbye Love and left in fucking Santa Fé which adds exactly nothing to the plot!!

13. Favourite #ham4ham?

Gotta be the Schuyler Georges, but there have been so many great ones...

14. A musical you would love to see produced by Deaf West?

Oh, tricky... Maybe Next to Normal? That has a lot to do with people holding things in and failing to see each others’ struggles.

15. If you could revive any musical, which one would it be and who would you cast in it?

Not exactly a revival, but bring Next to Normal to the West End already! That show’s got a sodding Pulitzer. And London’s only a 2 hour flight away from where I live, not a transatlantic one, so I might actually be able to go see it.

Oh, and give Spring Awakening another chance, West End. Maybe adapt some American Sign Language into British Sign Language and...?

Also, maybe revive Rent, Broadway? (And cast Aaron Tveit as Roger... please?)

16. If you could go to a concert at the 54 below, who’s would it be?

That list would be waaaaaayyy too long...

17. Do you watch broadway.com vlogs? Which one is your favourite?

I’ve seen a few, but I don’t really watch them on a regular basis, so no favourites...

18. Make a Broadway related confession.

I really, really hate South Pacific. It was part of our American drama syllabus, as an example of a musical. Quite apart from the fact that I think it’s a godawful, sort of racist and sexist show (it’s from the 40s, go figure), it displays LITERALLY EVERY cliché about musicals!

19. What do musicals mean to you?

Hard to say... Apart from hours and hours of ALL the emotions, some awesome internet buddies (looking at you, @frei-und-schwerelos), I’ve got generally more interested in and knowledgable about theatre, which is a great asset when you study English. Musicals have also introduced me to a wide range of music I wouldn’t normally listen to and so many talented people I wouldn’t have known about otherwise...

20. Express some love for understudies and swings!

Okay here goes: I went to see the West End production of Memphis because of Killian Donnelly and then he unexpectedly wasn’t on that night - bummer. But then Jon Robyns just knocked it out of the part (and I only ever listened to Avenue Q and Spamalot because I watched clips of him when he was in those shows).

My first Thénardier was Adam Pearce and his version of “It was me wot told you so...” is the funniest one I’ve ever heard (he kind of went “No? Sorry, fair enough.”).

The second time I saw the show Adam Bayjou was Valjean and his Bring Him Home was one of the best I’ve ever heard (effortless high notes).

Also, Charlotte Kennedy was Cosette that time (she’s principal Cosette now) and her performance was so incredibly sweet! (She also brought some brunette power into the sea of blond that were Marius and Éponine.)

And Jordan Lee Davies was Bamatabois both times and he was great!

Oh, and my Christine from Phantom was the wonderful Lisa-Anne Wood.

21. Best Disney musical:

Mary Poppins - My first ever musical, fond memories, I still wear the Supercalifragilisticexpialidocious shirt my dad bought me (11 years ago... didn’t fit then, fits now).

22. Which Disney movie should be made into a musical?

Uh, I don’t know. Tangled’s funny...

23. Which musical fandom has the funniest memes?

Hamilton and Les Mis. I mean, the Les Mis/Mean Girls crossovers alone...

24. Name a character from a musical you would sort into your Hogwarts house.

Well, the test sorted me into Hufflepuff (great house), but I know that I am a Ravenclaw (and, as we know, the hat listens to you). Okay, Ravenclaw... maybe Melchior from Spring Awakening?

25. Name a Broadway star you would sort into your Hogwarts house.

Ugh, that’s even harder! Sorry, no clue.

26. Best on stage chemistry?

Hmm from what I’ve seen live, Rob Houchen and Carrie Hope Fletcher were pretty darn amazing together.

From what I haven’t seen live, Jennifer Damiano and Adam Chanler-Berat, and Justin Johnston and Michael McElroy seemed fantastic.

27. A Broadway duo you love.

I’m gonna say Jonathan Groff and Lin-Manuel Miranda, but I’m not sure I understand the question...

28. What book, tv show, movie, biography, video game, etc. should be turned into a musical?

Umm... I don’t know. Supernatural sort of is a musical... A Lord of the Rings musical in the style of A Very Potter Musical might be fun. The Fellowship of the Sing? I’ll show myself out.

29. If you could make a jukebox musical, what artist or genre would you pick?

I doubt many people know her but: Vienna Teng. For three reasons (aside from me liking her songs): 1. Her songs tell stories. 2. She often writes from the perspective of “characters.” 3. Her songs are actual poetry!

30. Favourite role played by _________________?

I don’t get it. What am I supposed to put here?

31. What musical has made you cry the most?

I don’t actually cry often at musicals (internally I do), but It’s Quiet Uptown from Hamilton got me bad the first time. And I once listened to Next to Normal when I was already feeling like shit - bad idea! (Don’t listen to There’s a World when you kind of want there to not be a world, kids...)

32. What musical has made you laugh the most?

Probably Avenue Q and Something Rotten

33. Current showtune stuck in you head:

Well, you just put Hard to Be the Bard in my head!

34. A musical that has left you thinking about life for a long time or deeply inspired you.

Les Misérables... I haven’t spent a single week without thinking about that show (or, indeed, the book) since early 2013.

Next to Normal also gave me a lot to think about.

I keep discovering new little bits of genius in Hamilton lyrics. Also, I’m writing a paper on the early US for the second time in under a year and characters from Hamilton (otherwise know as historical figures) keep popping up. Seriously, I’m writing about the Whiskey Rebellion and every time I read Hamilton’s name my brain goes PAY YOUR FUCKING TAXES!

I’ve also thought quite a bit about Heathers and The Last Five Years, because both of them have had productions where they genderbended (genderbent?) a main character, which made me think about how it changes the story and why.

35. If you could perform any ensemble number , which one would you pick?

“If you could...” Are you implying that I don’t?! Come on, any theatre geek who claims never to have done a solo rendition of One Day More is definitely lying! Oh, and I rapped myself all the way through One Shot the other day and made only one mistake - one that Lin’s made before, so I’m proud!

36. Name a musical you didn’t like at first but ended up loving.

I don’t think that’s really happened... There have been shows where I thought “What in the holy hell is this?!” and ended up loving it. I mean, what in the holy hell is Avenue Q?!

37. What are some costumes you’d love to try on?

Give me that red vest! Also, let me play Enjolras! Yes, I know I’m a woman and can only hit that low “foooorm” when I’ve got a really bad cold, but fuck all that!

I’d also really like to try on Elphaba’s Act II dress, because it’s epic!

38. Favourite dance break.

Hmmm... I don’t really have one? The one in Cool and the ballet in Somewhere where they sort of replay what’s happened are pretty amazing (both West Side Story).

39. Favourite Starkid musical:

A Very Potter Musical is the only one I know... Sorry...

40. What’s a musical more people should know about?

Well, where I live, most people have heard of Cats, Phantom, and Mamma Mia and that’s about it.

But in general, I’ve never met anyone who’s even heard of Assassins (although many people who have met me have now heard everything about Assassins - I’m that kind of person).

41. What are some lines from musicals you really like?

Okay, this is gonna take a while...

"Can you remind me of what it was like at the top of the world?” (In the Heights)

“Oh, my friends, my friends, don’t ask me what your sacrifice was for.” (Les Misérables - internal Niagara Falls!)

“Here, put some hail into the chief.” (Assassins)

“But the sky’s gonna hurt when it falls. So you’d better start building some walls.” (Heathers)

“I’m not mad that you got mad when I got mad when you said I should go drop dead!” (Tick, Tick... Boom!)

“My God, in God we trust, but we never really know what God discussed.” (Hamilton)

“What doesn’t kill me doesn’t kill me.” (Next to Normal)

And just for fun: “Honest living, honest living, honest living, honest living,...” (Rent)

42. Name a Tony performance you rewatch and rewatch.

In the Heights, Next to Normal, Hamilton, and Spring Awakening (both versions).

#well that was fun #i'm procrastinating #theatre geek #musicals #just musical things #musical theatre

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houseofvans · 8 years

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Art School | Sophie Roach (Austin, TX)

Drawing and painting her way through an imaginative landscape of intricate and visual entanglements is Austin native, Sophie Roach. Her artwork has endlessly covered surfaces from– guitars, beer cans, Vans, to entire rooms. And if that isn’t already insanely rad, her organic approach and laid back attitude make her not only incredibly humble, but also a super awesome collaborator. While finishing up one mural and starting up new projects, we had the chance to ask Sophie a few questions about her art, her career, and her approach – from finding her voice, attacking a mural, to digging the quietude one might find as a mail person hah!

Photographs courtesy of the artist.

Introduce yourself.

My name is Sophie Roach and I'm an artist/illustrator/muralist based in Austin, TX! I grew up in Austin, went to college in Seattle, then I scooted back to my hometown as quickly as I could after graduating in 2011.

As a self taught artist, how did drawing take shape and become what you do- did it start as a hobby or random habit?

I was a total jock growing up, not an artsy kid at all. I started drawing when I was 20. At first it was in the margins of my lecture notes, eventually I gave up on the note-taking part. I’m only a good student when I feel like whatever I’m learning will be applicable to life outside the classroom. For me, since I didn’t have a career in mind, that was around 5% of my in-class experience so I wound up drawing a whole lot. By the time I graduated I was interested in doing something creative, possibly graphic design, but I didn’t think that those doodles would be a part of my career until about a year later.

What did your early drawings look like and / or did they evolve into what they are now? How did you find your particular voice in your art?

They looked like anyone’s notebook doodles. I’ve had depression and anxiety issues since I was a kid and I found that the meditative, time-intensive work helped me deal with that. I became obsessed with drawing and my skills evolved quickly as a result. I didn’t know I was looking for my voice until I stumbled upon it in early 2012. Making art was always fun, but once I hit upon a style that felt like my own, I knew I was totally screwed. I had to make it work full-time.

In terms of influences, artistically and in general, what are they and how do they influence the work you make now?

I love the utility of Milton Glaser’s decorative design work, Keith Haring’s visual language, and Sol LeWitt’s ability to make minimalism totally overwhelming with his installations. I love the sincerity in Keith Shore and Nathaniel Russel’s work. I love the bold abstract nature in the work of Blexbolex and in old polish posters and book covers. I’m sure that these things that I love make their way into my work but I don’t spend much time thinking about where my inspiration comes from. I focus more on positioning myself to receive it by taking long walks, traveling to new places, reading books, and simply paying close attention to my surroundings.

You’ve worked with various mediums and from small to super large. Take us through the preparation and thought process when you work in large scale? What is your planning like and do you find yourself drawn to creating more large scale works?

Step 1: Develop a loose concept (vague organization and goals for the piece) Step 2: Determine appropriate materials for scale and location Step 3: Pencil out boundaries for linework based on loose concept Step 4: Start drawing. Sometimes sticking to the initial pencil marks, more often making up new stuff as I go. Step 5: Have imposter moment. “Oh my god why did I agree to do this, this looks dumb, the result is going to look dumb, I don’t have the skills to make this look good and everyone can tell.” With murals, you have to complete the ugly parts of the process in front of people. It’s a little nerve-wracking. Step 6: Stop whining, get back to work Step 7: Once the linework is complete it’s time to color Step 8: Go back through and re-draw lines near the color sections Step 9: Usually jalapeño, pepperoni, pineapple pizza

To be honest, I found little joy in the mural process when I first started. Now that I have a few murals under my belt I find it hard to work on small scale pieces. It's very satisfying to work large scale. I feel like each office/commercial/public mural is practice for the immersive installations that I'm dreaming up for the future.

What’s something you don’t think folks might not know about an artist or being a “working artist”?

I used to think that I wasn’t a real artist because I rarely show work in galleries and I don’t like sitting in my studio all day. I make art full time but at the moment my work is more appropriate for commercial design-y projects and murals. I don’t feel restricted in the commercial art realm because I’m strict about retaining my voice and most clients are cool with that due to it’s abstract nature. Because I pay my rent with commercial work, I get to have a lot of fun with the works on paper. I don’t think you can feel totally free when making things for the “fine art” world unless you don’t care whether you get a financial return for your energy.

Your work is filled with details and patterns – how do you decide which pattern goes where? Do you have a running sheet of various patterns and shapes constantly running through your mind?

I just go with my gut. There are rules for organization that I'm constantly making and breaking throughout my process. I don't think I could put the rules into words but I can feel them when I'm working. I do have shapes and shape combos that are vaguely representational of real life things, but its not always obvious. I want it to be apparent that a method exists within the madness but I don’t care how decipherable it is.

Top 3 bands while you’re drawing? These days: -Alex Cameron -Lucy Dacus -King Krule

Albums get old fast because I have headphones on for most of my waking life. I always have something playing because I find that I can control my fatigue with different types of music/audiobooks/podcasts. I've developed a self-regulating listening process when I'm working. If I'm having trouble concentrating on the work, I turn on an audiobook or podcast and focus on that. If I'm having trouble keeping up with the talky stuff, I turn on music and focus on the work. Then there are more ways that I decide what kind of music makes sense for what I'm working on or how I'm feeling.

What is the most asked question you get on social media? Shall we lay it to rest once and for all? ha

Anytime I post a process video I get tons of comments, DMs, and emails asking about my materials. I think materials are important and I’ve spent a lot of time and money finding the right tools to achieve the aesthetic that I want. I know people don’t mean any harm when they ask, but I can’t help but cringe when I get the pen question for the 10000th time.

That said, here are my favorite tools: Rotring Rapidograph Pens Copic Markers Smooth bristol paper Molotow empty paint markers Golden High Flow Acrylic in Carbon Black

What do you think you would have been doing if not for art?

My alternate reality fantasy job is to be a mail woman oddly enough. The concept of putting things in their appropriate boxes is really soothing to my Virgo/OCD brain. Plus, I love that I'd be able to work alone, walk a lot, and constantly have my headphones in. It's basically what I do now but without all the challenges and angst, ha.

What’s your big dream? What kind of work do you want to be making in fifteen years?

Over the next few years I’d like to expand my style into 3D form and eventually design a compound of buildings a la Antoni Gaudi, Friedensreich Hundertwasser, Niki de Saint Phalle, and St. EOM. I’d love for it to have a function as well. Maybe a hotel or event space. Maybe a waterpark.

What are your favorite Vans? and why? I was able to keep one of the 50 pairs of shoes that I hand customized for a Vans/iamsound event in Austin in 2013. It was one of my first collaborations with a brand that I actually cared about and it showed me what kind of projects were available for artists in the commercial realm. I used to wear them all the time but now I keep the pair on a shelf in my studio as a memento.

What’s the best and worse advice you’ve gotten in regards to art? (if any)

I try to put all of the good and bad advice in the same pile in my head. Then I generally ignore that pile. People are always telling what I "should" do. I used to make an effort to do all of those things because it's a lot easier and less scary compared to coming up with ideas on my own. Turns out there are plenty of great ideas that just don't light my fire. I'm learning to trust my gut.

However there is one bit of helpful advice that I heard in a documentary a long time ago. I don't remember what it was called or who the artist was but he said that his best advice for young people who want to make art for a living is to QUIT NOW. When things get hard I tell myself to quit, then I remember that I can't. I need to make stuff! Then I get back to work.

What do you have coming up for 2017? What’s your next project or show people should know about?

I'm continuing to focus on murals this year. So far almost all of my installations have been in Austin so I’m stoked to have projects scheduled around the country in 2017. Best way to keep up with what I'm doing is to follow me on Instagram.

Follow Sophie Roach:

Website: www.sophieroach.com Instagram: @Sophieroach

#vans #vans art #sophie roach #art #art school #interview #q&a #pattern #drawing

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awesome-legendarystudentcho-blog · 6 years

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hi i need advice i need insurance im female 27 yrs old have been driving since 2000. no claims, or any accidents. but ive only been insured for a year as i have driven my mum and dads car and i dont think that counts if your 3rd party on their insurance does it? so really i dont have 7 years claim free insurance as ive only been insured on my own for a year? where should i go for cheap car insurance ? should i do it by internet or phone? and will it be expensive? and how soon willi get it? what will i have to pay now?""

What is The best Auto Insurance to get?

Pagani Zonda - how much to insure?

My hubby and I were watching Top Gear the other night and James May was testing the Pagani Zonda. Does anyone know, out of interest (or to be honest to settle an argument!) roughly how much the insurance premium would be on this type of car? Thanks!""

How much do you pay for Auto Insurance A Month?

what do you pay a month on your auto insurance. and do you think it's to much or do you save money?

What Is The Best Insurance Agency?

Like any insurance agency. Such as Progressive, State Farm, Geico, or anything that you think saves the most of your cash.""

Can you get insurance on a vehicle if your license is suspend?

""Average car insurance for 17 year old in ON, Canada?""

I'm a 17 year old female, no problems with driving, and with drivers ed course completed and certified. I have good grades going from 70s-90's. I'm looking into getting the new 2012 Ford Fiesta once I get my G2. How much would I pay a year/month for car insurance? Thanks""

How do you get car insurance for less than a year?

I would like to get car insurance for just a couple of months as the named driver, but all of the insurance quotes are for a year. Even the pay by month ones have a deposit.""

""Can you get cheaper insurance, if you are driving on behalf of a disabled family member?

i am currently 19 and just passed my test - my friends of same age - pay 500-700 a year on car insurance and they say they get cheaper because they are acting as carer driver (e.g of grandfather or disabled brother)- basically you say to insurance companies that i am caring for them and need me - my dad just had a eye operation - just got blue badge and had heart attack 3 times - and yeh he gets mobility allowance - (because he had some other problems - not surely no what) - do you think i can use him to act a carer of him - he is driving at the moment so do you think he needs to give up driving is this possble or they mis-understood

Non-owners policy auto insurance in NC?

im getting my license in january i will be a unnexpierenced driver but i cant afford a car right now can i get a non-owners policy in the state of nc?and drive my fiances car?

""My husband and I want to get Life Insurance, help!?""

We have NO idea how this works. We have NO kids, we are in our mid 30's and relatively healthy. We prefer the NON hassle of no medical exam, etc. Can someone give us a hassle free/low cost, name of a company to use and explain how Life Insurance works? (I know the basics, that if one of us dies, we get benefits yada yada)""

Cheap car insurance?

where can i get cheap car insurance 4 a young driver on a fiat punto?? pleasssss(in the uk)

Can you leave modifications off your car insurance if your car is modified?

I am just wondering, if you have to name modifications to your car on your car insurance, or can you leave them off to make the insurance cheaper. And is it against the law to leave them off your car insurance? Thanks for any help :)""

Is private health insurance cheaper in Louisiana or South Carolina?

Is four wheel drive worth it for where I live concerning insurance costs?

I want a jeep cherokee as a first car and I cant decide between 4x4 and 2x4. My friend told me that four wheel drive will increace the car insurance. I already thought insurance was expensive, does anyone have any idea how much more this will increase insurance on average. Should I even get a 4x4? I'll be getting the car off craigslist so its not the cost of the vehicle that concerns me its all about the insurance. I live in florida so its not like ill be going through snow or anything i just thought it would be handy if I ever wanted to go off roading once or twice.""

How can i get a german Health Insurance from outside of germany?

I need to have Health insurance accepted in before i go there. i will be staying there. I cannot find any way to sign up for health insurance from outiside of germany.

Car insurance for a 1973 corvette?

I'm 14 now but am starting to work. I want to buy a 1973 corvette. I would get it when I'm 16. What would the car insurance be for that car with my age?

Where can I get a better health insurance plan ?

I tried with some of the agents, but it is not working out for me. Can anyone help me, If you have taken any health insurance plan.""

What's the best type of life insurance to buy?

Is term better than cash value? or vice versa?

Is life insurance for people over 70 available?

What kind of insurance would I need for this?

There is a private residence that I would like rent out for my daughter's wedding. I am going pay him a certain amount for use of the house but then I'd like to take our a short term insurance policy in case the house is damaged or someone is injured.

Car insurance?

i am a student, 20 years old, that cannot afford car insurance. Is there a state (ca) program or something for people with really low income?""

Can someone take out a life insurance policy on a mentally retarded person who didn't know what he was signing

This person was mentally retarded (52) and died of brain cancer. HIs brother (an attorney) took out an insurance policy for the 52 year old. The 52 year old did not really know what he was signing. The amount of the policy is unknown. Is this insurance fraud?

What type of car insurance coverage is the cheapest?

I'm not talking about companies like State Farm, All State, Geico. I'm talking about the coverages like Collision, Comprehensive, No-Fault, Liability. Which of those coverages is cheapest in order. Also I live in Michigan so insurance is a big deal.""

Which auto cost more for auto insurance sienna or rava 4?

How much would insurance be for a driving school ?

I'm doing a business plan for a school project, I need to have a cash flow for a year and I would like to know how much comprehensive car insurance would be per month. the car I've planned to use is a 2005 TOYOTA CAMRY MCV36R ALTISE""

What is a auto insurance quote?

What is a good insurance company for health insurance?

in a month i will need health insurance for my wife where can i go to get good honest help do you know of any insurance companies to stat away from or recommendations

What is some cheap full coverage insurance alabama?

How can I get a liability insurance for my cleaning business?

I have called to a few insurance companies to get a general liability insurance, and I have been turned down, because I have barely any experience in the cleaning business. How then can I start and get an insurance at the same time? Do I have to lie to them and tell them that I have 10 years of experience?""

Affordable health insurance plans?

The company where I work has just informed me that they will be canceling our medical benefits at the end of this month. What are some decent plans that I can get on my own that arent too expensive. I was paying $100.00 per month thru my job and would like to keep my premium around the same. I live in Wisconsin. Thanks for any advice.

What is the cost of average car insurance that a 19 year old boy and girl pay?

Well, I am taking my test soon (hopefully I will pass) and I am 19 --- and I heard that car insurance is worth a lot for youngsters that they can buy a BMW second hand with same amount money that they pay for 3 years. so, how much do 19 year old boys pay monthly for it and how much do girls pay ( heard it is a lot cheaper for girls). -- my younger sister will turn 19 in 2 years time till then if she passes her test -- how much will she pay when she gets licence---- what would be your solution -- if I want to get cheaper option (I heard of pass plus scheme - would it work)""

Does AARP offer affordable health insurance?

I'm turning 50 the end of October, as of now I have no health insurance. Someone told me that I'll be eligible for AARP and will be able to get affordable health and dental insurance. Is AARP the answer to being able to finally afford health and dental insurance?""

Help on getting cheap car insurance for young drivers?

I know about multicar but i cant do that, i know about named drivers etc but is there any way i can get a decent insurance quote for a 17 year old because ive been getting 15000 quid for quotes recently. Dont tell me you cant do it thats not gonna help me, thanks""

Is insurance affordable under the Affordable Care Act?

I am 18 years old and going to lose my insurance NH?

My father lives in California and I was under his insurance until he got laid off, now I have about a month to get insurance and I am kinda screwed. I have to have allergy shots every three weeks and I am on a plan to control my allergies and asthma so having no insurance is not an option. My grandparents did have guardianship of me but since I am 18 I no longer qualify for their insurance.What do I qualify for and how do I apply?""

What is the payment you make to the insurance company called?

***Auto Insurance

Am I eligible for the good student discount for auto insurance if I'm a part-time student?

I have the grades (3.0+), but I'm not a part-time student. I live in California, am I still eligible for the good student discount?""

I'm about to get my drivers permit. Do I need insurance?

I'm about to turn 16 in a few months. I just figured out that I need to complete driver education and am in the process of that now. When I do receive my permit in a few weeks do I have to immediately purchase insurance? I'm going to be driving my dads subaru. He will obviously be in the car with me at all times. Do I still need to buy insurance at all?

""Howmuch would a110, 000 $ home insurance cost?""

Howmuch would a110, 000 $ home insurance cost?""

What car insurance company is best for an 18 year old?

I am 18 years old and am going to attend college in late september. I have practiced driving and am working on my license to live on campus. I know car insurance is expensive but I just want to know which would be the best coverage if I get into a collision and would be the cheapest. My mom said it would cost about $300 but that sounds crazy :/. I know Im a new driver but why would it be that expensive? It sounds hard to narrow down considering all the possibilities but Im new to this whole world of cars and insurance. My parents wont help me out at all. In fact, Ive been saving up for when this moment would come. I saved up $606. Plus, Im going to apply for a part time job at my college that will pay $10 an hour. I should be making about $120 a week which would be like $480 if I dont spend my money on stupid stuff which I wont. So basically, $480 is my budget. Well it might be a bit less. I have to eat too so I guess I could live off of 80 dollars of food. So that would be leave me with 400. As you can see, im really struggling to try and work out a plan. If you could give me some opinions that would be great. Thanks for reading what I have to say :) -Nick""

Insurance on a Corolla for Teenager??!?

I'm getting ready to buy my daughter a car && I need to know if insurance is high for a Toyota Corolla for my 16 year old. 2011 Toyota a Corolla or '10.

Switching insurance companies to get the car fixed?

The accident was not at my fault. Had a police report. Contacted both insurance companies. Got a rental car and check ($1500) from other party's insurance company (NJ Skylands) as decided to go through them. Brought the car to body shop and found out NJ Skylands wants to cheat and pay less. So I called my insurance company (State Farm) and reopened the claim to go through them. State Farm took deductible and issued a check for $1788. Body shop wants to get $2788 for repair. Can I still use that check for $1500 to cover the rest of expanses?

Insurance Question/Calculations?

Insurance Calculations Given a patients remaining deductible (Deductible), co-insurance responsibility percentage (CoInsurance), co-payment (CoPayment), and maximum out-of-pocket (OutOfPocketMax): 1)Use those parameters to write an equation to calculate the estimated patient cost for a $1,000 test. (You can use Excel notation if you want.) * 2)Using the same parameters, write the equation for the insurers expected payment, in the case of a $1,000 test. Calculate the patient's responsibility with the following parameters: 1) Deductible=$100, CoInsurance=15%, CoPayment=0, OutOfPocketMax=$1,000. A patient has a PPO plan with a $250 deductible with none of the deductible met. The plan has a co-insurance of 30% with no co-pay for lab services. 1)Solve for this patient's responsibility Thanks for the help!""

Health insurance for full time college student?

I realllyy need to see a doctor about some issues im having with my health, but the onlyproblem is i dont have insurance... Are there any affordable insurance plans i can get??.. im a full time student and i really need it.""

Life insurance for seniors over 75yrs?

Whats the slim chance that their is a company out there that provides life insurance for a Senior over 75 and has had and removed cancer in the past 12 months? None i bet huh?

I want to put my niece on my car insurance?

i drive a 2001 puegoet 206 and want to include my 17 year old niece on the policy.she has a provisional licience.does anyone know what this will cost approximately

Should I do something to this company insurance?

Some how Bank of America took my personal information and gave to this company insurance that covers medical thing. They have my personal Banking information. I canceled the insurance policy on August 15 and they took out 29.99 out of my bank and I now have 60.98 in my checking account. Should I do something about?

Help with getting health insurance?

I'm a 22 year old college student and need health insurance. My mother doesn't work and has medicare/medicaid. I don't speak to my father. I'm a resident assistant on campus, which doesn't offer health insurance as a benefit of working. The school offers health insurance but it's around $2,000 a semester (four months) for very little coverage. There is commercials on TV about automotive insurance and life insurance but I don't know how to find health insurance. Where can I go to find more information on different real insurance companies and what's the average price (either per month or lump some) I would have to pay for health insurance? Any help would be great! Thank you!""

How can I find what insurance i had with car I dont have anymore?

After almost 7 years the DMV says that I owe them for a lapse in insurance. Car was repossessed and I didn't take the tag off. (my mistake) I'm pretty sure I canceled the insurance but I can't remember what company I was with or what dealer I got the car from. The DMV had no other information on the car other than the obvious fine. My renewal is coming up and I don't know what to do. PLEASE HELP!

Which auto cost more for auto insurance sienna or rava 4?

Functions of life insurance?

what is the functions of life insurance

""Im 16 and i want to get a R6, i want to know how much it would cost for insurance?""

I live in the U.S, Florida and i am taking the MSF course.""

What is the difference between comprehensive and third party car insurance and which one is more beneficial?

What is the difference between comprehensive and third party car insurance and which one is better. I have a 2005 wagon r lxi and wants to renew the insurance which one should i opt for.?

How much will my insurance go up?

My car slid out of control and I hit a light pole and it fell down. I only have liability. My insurance company is Country Financial, I live in wisconsin, and I pay about 100 dollars a month already.""

Cost of car insurance?

I don't have enough details about the car to fill in the online comparison websites, so does anyone know roughly how much I should expect to pay? - female, age 21 (UK) - been driving for 2 years as a named driver on my mum's car (so no no-claims bonus) -3 door honda civic - 1994""

Suggestions for a first car? Cheap on insurance etc.?

I'm looking for my first car, but I can't seem to find any I like. I like 1999 Vauxhall Astra and Peugeot 206, 207 and rcz. I don't like new cars, I prefer the older ones if that's any help. Anyone know any good cars to have as a first car that's cheap on insurance ? Thanks in advance :)!""

Whats the website for high school sports insurance?

They use to give the application on paper but now it's online, I forgot the website, what is the website for it?""

How much does a teenage car insurance for a 1991 chevolet corvette convertible cost per month?

my grades havent been good till this year i kinda have a bad record idk if that would effect it so ya i no i turn 16 on tuesday and im getting the car for my bday so i need to no quickly how much the insurence would cost thanks

I am looking for cheap nyc auto insurance. I dont want to pay more than 800 to a 1000 every 6 mos. Any ideas?

I live Brooklyn, NY. I am 24, female and I badly need cheap auto insurance, Help please.""

Cheapest Car Insurance Nineteen Year Old?

So im nineteen and am hoping to pass my test friday, i have been looking on comparison websites and cant find any quotes for a low litre car under lets say 2500. I was just wondering if anyone out there knows of any specific insurers which could offer a much better deal, i would be very very grateful""

Will my insurance go up?

I got two speeding tickets not to long ago, they where 145 dollars each. On both of the tickets i was going 75 mph and speed limit was 60 mph. I already paid for the both tickets, they got reduced by 45 dollars each ticket. I was wondering by how much will my insurance go up and when does it go up. Its my dad insurance and he has my car on his insurance. Will the insurance go up only on my car or both of the cars on same insurance and is there any way you can take those tickets of the record. Like traffic schools..""

Will insurance be ok if I use a friend's car?

My girlfriend's dad said he wants to see how I drive and I am getting my license tomorrow. Not my insurance yet. Do I have to have my own insurance to drive his car or will his insurance cover me? Thanks!

Where is the best place to get cheap car insurance for young drivers?

How much should i get for insurance repairs?

I have a 98 pontiac grand prix gtp and it was keyed all over every part of the car. The side mirror was broke off. The key marks are all the way down to primer. My deductable is 200. How much should i expect to get to cover the damages?

Life Insurance for a 40 Year Old?

I need some suggestions on what Life Insurance company to go for. I need one that's legitimate and affordable.

""Car accident, not my fault, no insurance?

ok i just got in a car accident today when a girl ran a red light and t boned my car and totaled it. it was totally her fault and she even amited runnin the red light but the thing is i have no insurance so right there i already lost my liscens but whats going to happen with my lost or what should i do now about my lost? also i didn't go to the hospital ether but my shoulder is starting to hurt now to a point i can't even lift it or pick things up so im going to the hospital tomorrow..so whats going to happen with that? plz help!

Child support/car insurance?

Ok so I just got my liscense and I bought half my trck and my mom bought the other half. So is it right for my dad not to pay for my insurance? And does child support cover car insurance. . .plz just give me your opinion/facts on the whole ordeal.... Have not found job just turned 15..btw Thank you all

INSURANCE QUESTION ?!?

18 year old, male, 2010 camaro ss with 4000 miles on it. had a few speeding tickets, no wrecks LOOKING FOR INSURANCE QUOTES PLEASE""

""How does car insurance work in America, and how much does it cost on average?

just want to know how it works over in the USA compared to britain.

How much would an '89 Mercedes 300e cost for insurance?

So my dad has found a really good deal on a potential car for me in really good condition. It's a 1989 Mercedes Benz 300e. Do you think that since this is a 22 year old car that it'd be a ridiculous amount to insure because of the Mercedes badge? Or do you think I could afford it with a job? My insurance company would be allstate, on my parents plan, I have a 4.0GPA and I plan on taking drivers ed. Advice?""

""What do you pay for car insurance, if you don't mind me asking?""

I'm curious. I have recently moved and I couldn't believe the difference in price for car insurance. I two thousand miles east and now pay just over a thousand a year as opposed to four and a half thousand where I used to live. So, if you don't mind, could you say where you live and how much you pay in car insurance? I think this will be interesting and rather revealing.""

Where can i find the cheapest car insurance?

How much would it cost to insure a 17 year old boy on a ford escort gti?

any answers much appreciated

Where can I find the best and affordable health insurance?

employer does not provide health insurance anymore. where can i find the best affordable health insurance that i pay for myself? thanks

New driver- best car insurance?

I'm taking my driving test tomorrow and was wondering what was the best/cheapest insurance company to look into. Also, if there are any that have discounts for full-time students or if you have really good grades? Anything like that, just wanna know the best options.""

Which auto cost more for auto insurance sienna or rava 4?

Health insurance question?

ok i'm a international student and i just found out that i got a cervical cancer or abnormal cell growth, and i don't have a health insurance and i don't know how to pay for it? if i get a health insurance would it cover it?""

Good military discounts for car insurance?

My husband is a Marine, we recently bought a new car and we're looking for good car insurance, preferably with a military discount! Does anyone have any experience with this? Thanks!""

How do I find out my car insurance rates before I get a car?

I haven't bought a car yet because a lot depends on how much insurance will be. I'm a 27 single female living in Boston, I've had a license since 18 but never drove so it expired and I recently renewed it. I don't have anything on my record. I would be the only person on the insurance. I went online but they required the make and year of your car to calculate the rates.""

Is there anyway to avoid paying my 1000 dollar deductible on my Car Insurance?

I recently changed my deductible to 1000 dollars on my car insurance, and sure enough, got some dents on the front of my car sliding into a tree during bad road conditions. Is there ...show more""

Seperate Business Car insurance Policy?

I am starting my own delivery business and plan on using my own vehicle, I have looked into the price of business car insurance and got a rough quote, however I realised I am with Hastings Direct, and have not seen anything about business car insurance with them, so I checked on their site and it appears they do not offer business car insurance, so my question is, should I cancel the policy with them and take out a new one with someone who does, or is it possible to have a domestic car insurance with one company and a business one with another?""

17 pregnant wirh no health insurance.?

I am 17 I turn 18 in June. I found out yesterday that I am 8 weeks pregnant.. I have no health insurance and am wondering what to do?! Is there a way I can get health insurance so I can go to the doctor for me and the baby? Please help.

How much is insurance for the Acura RSX?

I really want on badly but I'm concern about the costs. I am eighteen year old male and this will be my first car. I just got my license as well.

Allstate Insurance Price Estimate?

I was wondering what the price of a 1993 2.3 L V4 Mustang LX would be for a 17 year old male would be with less than 100K miles on it

Do I qualify for low cost Health Insurance?

I'm under 21 & still living at home. I live at home with my mother & sibling. My mother can't afford insurance through her work beings it'll be almost 1/3 of her paycheck a month. I work part time as a waitress making under 5,000 a year for now as I look for a full time job. So my question is: Do I qualify for any type of low cost health insurance to cover just myself? I've tried looking on sites like health .gov but because my mom has insurance available through her work it's basically saying i'm screwed out of insurance of my own. I need all 4 wisdom teeth pulled asap, as well as basic medical check ups & such that I can't afford on my waitressing salary. I really need all the help I can get. Please answer. & no, my job doesn't provide any insurance.""

""Where can i find out when my home was built, for insurance purposes. uk?

Just needed for home insurance quotes.

Question for LIFE INSURANCE BROKERS or salespeople!!!!?

From a insurance brokers perspective; What is the advantages for a client who buys TERM LIFE insurance, over WHOLE OF LIFE insurance, in your opinion???""

""How much does it cost per month, in avarege, to lease a non-expensive car,including insurance fee?""

How much does it cost per month, in avarege, to lease a non-expensive car,including insurance fee?""

Where can i get life insurance for my daughter who has cancer ?

Maternity insurance in North Carolina is it worth it?

My husband and I want to have another baby. I had to have an emergency c-section with the first baby and my doctor told me if I had another baby I would have to have another c-section. I had Medicaid with the first child, and I am not sure of those cost for that baby. I have a basic individual insurance plan now. I do not qualify for my employer's health plan because I am a casual staff worker. So my question is would it be worth spending the extra for maternity insurance or better to ask for a payment plan at the doctor's office and hospital? I would be seeing a doctor in Greenville, NC.""

Where i can get affordable or free x rays?

I have a prescription for low back and leg x rays,but is kind of hard for me at this moment cause i don have a job and i cant afford $300 that's the estimate the hospital gave me when i'd call to ask the cost,cause i don't have health insurance neither""

How can I see a cheap doctor w/ no insurance?

I am 23 years old and I don't have insurance. My husband got a huge pay cut and we had to cancel it. We just can't afford it at the moment. However, I am having some serious issues and I really want to see a doctor badly. I am having horrible pains in my hands and the rest of my body and pitting edema in my legs. I don't want to rack up a huge emergency bill, but I can't afford $200 for a doctors visit. Is there ANYWHERE I can go to see a doctor for really cheap??? It's to the point where I can hardly use my hands to even type this and I am scared. Thanks..""

HEY TEENS! How much are you paying for car insurance?

Anyone under 20, what do you pay for auto insurance? And what do you drive? Are you on your parents insurance? Did you use to pay more or less before?""

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

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

Can my mom insure my vehicle?

I want to buy a newly used car and i will have a loan on it. I wanted to know if the loan and the title are all in my name, would my mom be able to insure it in her name and me just as a driver? im under 25 so my insurance would be extra high. and would i have to register it in her name at DMV to let her insure it?""

Will full coverage car insurance cover a blown head gasket?

It still has enough oil in it (between E and F on the dip stick), I can just tell this is what it is because Oil is leaking down the driver side gasket and I'm noticing my coolant level beginning to drop. I just want to do something about it now before I keep driving it and completely blow the engine.""

Question for everyone...when universal healthcare is instituted?

what is the first thing you'll have done? How will universal healthcare benefit those you love? I know I will go to the chiropractor first, I have insurance now but the copays for the visits are just not affordable. The headaches, neck pain and tendonitis in my wrists are painful and some days unbearable. I know that I will be able to get all the medication that my child needs without worrying about how I'm going to afford it. I know several people with mental health issues who do not take medication that would help them function in society because they can't afford it. I know several elderly people who will be able to get the testing that they need and the correct medication. I also know one elderly person who is only working for health insurance who will be able to afford to retire. How about you? I'm sure a lot of you know people who are struggling who could use help with their medical care.""

""APPROXIMATELY, how high would insurance be on a 16 year old male driver with a manual Evo X as a first car?""

I just turned 16 and i am about to get my license.I just want an estimate like 200-300 or 300-400 or 400-500, etc. My brother is 18 and currently has an Evo and is paying ~ 500 a month for his insurance but has a terrible driving record. Totaled his car and another persons (completely his fault) speeding tickets, unsafe turn ticket. and a bunch of parking tickets. And please dont give me an answer like youre gonna kill urself or evo is too fast for a first car and too hard to learn stick in an evo because the past 8 months i have been driving my brothers STICK Evo quite alot and have absolutely no problem driving it.""

Buying a new car on pay monthly + insurance ?

Hello, I am 17 years old. If I were to buy a new car on pay monthly (e.g Ford Fiesta/Fiat 500 at 150 per month) then does this include road tax and insurance? If not, then what would it cost me in terms of insurance (I live in london, and will keep my car in a locked garage)""

Insurance for my baby?

I am researching insurance options for my baby. The baby will be born in few months. I know that the baby will be insured 30 days after he is born. This is my question. Should I find an individual plan for the baby or should I add the baby to my insurance? I did not even know one can add the baby to an existing insurance. I am just trying to find the best deal. If I have to have an individual plan for the baby, I am looking only for Blue Cross or Blue Shield of California (PPO only). If you have any suggestions, please share. Thank you""

Is it constitutional for states to require car insurance?

If yes, then why not required gun insurance? Or required medical insurance?""

Which auto cost more for auto insurance sienna or rava 4?

https://www.linkedin.com/pulse/aflac-term-life-insurance-quote-vincent-bryant/"

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tortuga-aak · 7 years

Text

Bad conditions in New York City are exposing thousands of children to lead poisoning

While poisoning has nearly been eliminated in many neighborhoods, at least 10 percent of small children, from 2005 to 2015, in 69 New York City census tracts had elevated lead levels.

A city spokeswoman said the comparison between New York and Flint, Michigan, is "alarmist and inaccurate," but New York City children in the 69 observed census tracts have twice the rate of lead poisoning.

Coney Island, Queens, and Brooklyn are particularly affected.

NEW YORK (Reuters) - In public health circles, New York City is known for its long war on lead poisoning.

The city outlawed residential lead paint in 1960, 18 years before a national ban. A 2004 housing law targeted “elimination” of childhood lead poisoning within six years. The city offers free lead testing in housing, vows to fix hazards and bill landlords when necessary, and has seen childhood exposure rates decline year after year.

Yet inspectors didn’t visit the Brooklyn apartment where Barbara Ellis lived until after her twin daughters tested high for lead three years in a row, she said. They found peeling lead paint on doors and windows. The girls required speech and occupational therapy for their developmental delays, common among lead-exposed children.

“Their words and speech are still a little slurred,” Ellis, a subway conductor, said of daughters Kaitlyn and Chasity, now 6. Tired of feuding with their landlord, they found new lodging in Harlem.

The family’s plight is not uncommon.

Areas of high lead exposure risk remain throughout America’s largest and richest city, a Reuters exploration of blood testing data found. In the first examination of its kind, reporters obtained New York childhood blood testing data down to the census tract level – neighborhood areas with some 4,000 residents apiece. In densely populated New York, a tract often covers several square blocks.

While poisoning has nearly been eliminated in many neighborhoods, Reuters identified 69 New York City census tracts where at least 10 percent of small children screened over an 11-year period, from 2005 to 2015, had elevated lead levels.

That is twice the rate found across Flint, Michigan, during the peak of its notorious water contamination crisis in 2014 and 2015, where the Centers for Disease Control and Prevention found 5 percent of children’s tests were high.

The risk areas spanned New York neighborhoods and demographic groups. Peeling old paint is a conspicuous hazard, but reporters tracked other perils hiding in plain sight, from leaded soil and water, to dangerous toys, cosmetics and health supplements.

In 2015, 5,400 city children tested with an elevated blood lead level, 5 micrograms per deciliter or higher, New York’s most recent annual report on lead poisoning showed. More than 800 had levels at least twice that high.

Previously undisclosed data explored by Reuters offers a hyper-local look at neighborhood areas where the city has fallen short of its eradication goal.

“New York’s prevention program is renowned, so the fact it still has pockets like these shows how challenging this issue is on a national scale,” said Patrick MacRoy, a former director of Chicago’s lead poisoning prevention program.

Reuters found:

• A 2004 housing law co-sponsored by Bill de Blasio, now the mayor, targeted scofflaw landlords. But the city isn’t policing two key provisions that require landlords to find and fix hazards, sometimes waiting until children get poisoned before taking action.

• The areas where the most children tested high are in Brooklyn, including neighborhoods with historic brownstones and surging real estate values, where construction and renovation can unleash the toxin. The worst spot – with recent rates nearly triple Flint’s – was in a Hasidic Jewish area with the city’s highest concentration of small children.

• An affluent area near Riverside Park in Manhattan’s Upper West Side has had rates comparable to Flint’s.

• Reporters were able to buy dangerous leaded products in city shops, including children’s jewelry. One item, a cosmetic marketed for use around children’s eyes, tested with levels 4,700 times the U.S. safety standard. It was labeled lead-free.

• Reuters purchased other items subject to New York lead warnings through online giants Amazon and EBay, which later pulled the items from their websites.

• Soil testing in Brooklyn backyards and a park detected lead levels comparable to some sites designated under the federal Superfund toxic-cleanup program.

While exposure rates have dropped citywide – by up to 86 percent since 2005 – the number of children meeting New York’s criteria for lead poisoning, twice the CDC’s elevated threshold, barely budged between 2012 and 2015.

“Unfortunately, nationally and locally, we are beginning to see signs there is a leveling off in what was once a steep downward trend,” said Rebecca Morley, a housing expert who co-authored a recent report calling for more aggressive national lead abatement policies.

In a statement, City Hall spokeswoman Olivia Lapeyrolerie said comparisons between New York and Flint are “alarmist and inaccurate,” given the city’s sharp declines in lead poisoning and aggressive prevention efforts.

But Morley, while crediting the city’s progress, said the data show “extreme pockets of poisoning remain.”

New York is just one of hundreds of American communities struggling with poisoning. In a two-year investigation, Reuters has now documented 3,810 census tracts or zip code areas across 34 U.S. states where recent high childhood lead test rates have been double those found in Flint.

There’s no safe level of lead in a child’s blood. Exposure is linked to brain damage, lower IQ, behavioral disorders, and lifelong health impacts.

A question of enforcement

Capture Light/Shutterstock.comSeventy percent of New York’s housing stock was built in the 1950s or earlier, when lead was still common in paint. A toddler can be poisoned by swallowing a dime-sized flake of lead paint, or by ingesting paint dust.

“Housing is a main way that young kids get poisoned,” said Deborah Nagin, director of the city’s lead poisoning prevention program. “It’s very important that lead paint hazards, when we identify them, don’t sit around.”

Nagin’s health department division works closely with New York’s Housing and Preservation Department, HPD, whose 400 inspectors are trained to detect lead perils.

A 2004 housing code, Local Law 1, championed by then City Council member de Blasio, gave HPD broad authority to cite landlords for paint hazards and get them fixed quickly. Since then HPD has issued more than 230,000 lead paint violations to landlords.

But its inspectors aren’t able to visit all older housing in a city with more than 2 million tenant-occupied units. And the law’s explicit goal – elimination of poisoning – remains elusive seven years past its 2010 target date.

Among the reasons: There is little or no city enforcement of two provisions of the law, designed to make private landlords responsible for preventing poisoning.

One requires landlords to conduct annual lead paint inspections in pre-1960 housing units where small children live, fix hazards and keep records. The other requires them to “permanently seal or remove” lead paint from spots like windows and door-frames – so-called friction surfaces, where paint often breaks down – before new tenants move in.

Reporters reviewed the past 12 years of HPD violation records and found the agency hasn’t cited a single landlord for failure to conduct the annual inspections. Only one was cited for failure to remediate friction surfaces between tenants, in 2010.

“If the city’s not going to nail a few people for failing to do this, then no one is going to pay attention to these requirements,” said Matthew Chachere, a lawyer with anti-poverty group Northern Manhattan Improvement Corporation, who helped draft the 2004 law.

Mayor de Blasio declined comment.

Rafael Cestero, a former HPD commissioner under Mayor Michael Bloomberg, said the measures would be hard to enforce. “There has to be some realism in what we expect a government agency to actually do,” Cestero said. The department focuses on paint violations its own inspectors find, he said, often in response to tenant complaints.

Coney Island kids

Joshua Lott/ReutersIn a statement, City Hall called its complaint-based enforcement system “highly effective” at reducing poisoning.

Yet it doesn’t always work, leaving some families to fend for themselves until a child gets poisoned, Reuters found.

In a 116-year-old building in Coney Island, Brooklyn, unit 2R’s grimy walls are marked with “LEAD PAINT” stamps next to two children’s beds, where inspectors recently found the toxin.

HPD records show the cramped apartment has 163 outstanding housing code violations.

During a reporter’s recent visit, the power was out and the building’s common areas were scattered with rodent droppings. In an apartment, a gas kitchen oven was jerry-rigged to provide heat.

Back in 2015, when Natalia Rollins moved here from a homeless shelter, the mother of two felt lucky. A city-sponsored voucher program, CITYFEPS, helped place her in a $1,515-a-month apartment and covered much of the rent.

Rollins, 25, soon grew scared for her baby boys. There was peeling old paint, a ceiling cave-in, roach, rodent and bee infestations, buckling floorboards, a broken window.

“I hated living in shelters, but nobody should have to live like this either,” said Rollins, a daycare worker. “The landlord would just ignore my calls. When you’re on a voucher you’re treated differently.”

Rollins says she reported housing concerns through the city’s 311 hotline dozens of times. Inspectors visited, but didn’t initially test for lead.

Two months ago her son Noah, 2, was diagnosed with lead poisoning. After receiving his test result, the city Health Department quickly swooped in and found the apartment rife with paint hazards.

Noah’s language is developing, but Natalia worries about his acute sensitivity to noises and his pica behavior, a tendency to eat non-food items. Natalia, Noah and older brother Randy, who is autistic, are now staying in a Bronx safe house for lead poisoning victims operated by Montefiore Hospital.

Ervin Johnson, Rollins’ Coney Island landlord, said the apartment was in “excellent condition” when she moved in. “If her kid got exposed to lead, it probably came from somewhere else,” he said.

But the city says most poisoned children are exposed at home, and records show Johnson’s building has been on the citywide list of the 200 “most distressed” multi-unit dwellings since 2007. “This landlord has repeatedly failed their duty to safeguard our youngest New Yorkers,” the city said.

Lapeyrolerie said the city is now pressing Johnson to “immediately” address the building’s violations and working to find Rollins another apartment.

Lapses in public housing have also come to light. For years, the city’s public housing authority, NYCHA, failed to conduct required annual lead inspections in older public housing, an ongoing federal investigation found.

“We can and must do better,” NYCHA spokeswoman Ilana Maier said.

Citywide, the rate of screened children showing a high blood test in 2015 was 1.7 percent, below the CDC’s estimated national average of 2.5 percent.

Yet rates can vary wildly. A tract on the well-to-do Upper West Side of Manhattan – adjacent to Riverside Park between 105th and 109th Streets – had rates similar to Flint’s even in recent years. The area features grand old buildings and multi-million dollar apartments, where renovations could put children at risk if lead safety practices aren’t followed.

Williamsburg woes

Flickr/matthileoDecades ago, Williamsburg, Brooklyn, was a low-rent and largely industrial area. Today, its spacious lofts and privileged perch across from downtown Manhattan attract the well-heeled.

Working-class residents remain, too, including thousands of Hasidic Jews from the Satmar sect, who have settled in the neighborhood’s southern zone since World War II. With their distinctive dress and traditions, the Hasidim’s orthodox lifestyle strikes a contrast to the hipster glitz encroaching nearby.

Hasidic Williamsburg suffers alarming rates of childhood lead poisoning, ranking as the riskiest spot Reuters found citywide.

Across three southern Williamsburg census tracts, as many as 2,400 children tested at or above the CDC’s current elevated lead threshold between 2005 and 2015. In one, 21 percent of children tested during this period had high lead levels. Rates in the most recent years were lower, but still above Flint’s.

On Lee Avenue, boys wearing black hats and coats stream out of yeshivas, while women shop in kosher markets and kibitz in Yiddish in front of old brownstones, many built around 1900.

“When I saw the numbers I freaked out,” said Rabbi David Niederman, head of the United Jewish Organizations of Williamsburg. “The concentration of old housing and the number of children in them are big factors.”

In Hasidic Williamsburg, around 25 percent of the population is age five or younger, compared to about 6 percent citywide.

In recent years, city health workers homed in on the poisoning cluster. UJO and other groups helped health officials conduct outreach, distributing lead awareness pamphlets in Yiddish, urging clinics to boost screening, and holding meetings for residents and landlords.

As recently as 2015, one area tract had a rate of 13 percent, the highest in the city. It’s too early to tell whether rates have since dropped.

Dangers on store shelves

Brett Carlsen/GettyNewly mobile toddlers are the most common lead victims, but school-aged kids and adults are also vulnerable.

Recent testing at the city’s public schools showed more than 80 percent had at least one water outlet with lead levels above the Environmental Protection Agency’s standard of 15 parts per billion. New York public radio station WNYC mapped those results. Faucets that test high are shut off pending repairs, but leaded water lines remain common in New York buildings.

Consumer products are another concern. This year, lead safety advocate Tamara Rubin documented several varieties of the wildly popular fidget spinner toy that contained lead.

And in New York’s popular bodegas, other dangerously leaded products can be found on shelves.

Reporters bought several products that can be used by children or pregnant women from area shops, ordered others from online vendors, and sent 13 items for testing at an accredited laboratory. Six had lead levels exceeding consumer product safety standards.

In Jackson Heights, Queens, a vibrant cauldron of the city’s diverse immigrant populations, scores of small shops sell toy jewelry.

Two items Reuters had tested, a butterfly hairpiece and a glittery earring and beret set, each had lead content above the 100 parts per million U.S. safety standard for toys. Both were Chinese imports. One was labeled “lead-safe.”

The city health department sometimes conducts sweeps, seizing dangerous products or ordering shops to destroy them. It recently found Mexican lead-glazed pottery and issued a public advisory.

But some shopkeepers aren’t aware of the warnings, or ignore them.

In the southern section of Brooklyn’s Ditmas Park area, more than 500 children tested high for lead from 2005 through 2015. Many families in the area emigrated from Pakistan and Bangladesh.

In New York, children of South Asian descent are found to have especially high blood lead levels more often than other children. Sometimes, the poisoning can be linked to imported products.

A string of bright blue, red and gold tubes containing eyeliner – known as ‘surma,’ ‘kajal’ or ‘kohl’ – can be found in many Ditmas Park shops. The cosmetic is sometimes applied to children and touted to improve eye health.

Two varieties reporters bought, both marked lead-free, had unsafe lead levels.

The label for Hashmi Surmi Special liquid, made in Pakistan, says it contains “0.00 percent” lead. Lab testing showed 4.7 percent lead, or 4,700 times the Food and Drug Administration safety standard for cosmetics.

The Hashmi brand website says its surma eyeliner should be used by little ones “right from their childhood to prevent stress on sight.”

Manufacturer A.Q. & Co acknowledged the product contains a lead compound, but said it’s safe when “used externally.”

Health departments disagree. Across the United States, several have linked use of surma to childhood poisoning cases.

New York City has warned against using or selling these products, and FDA guidance says they are illegal to import.

When reporters returned to the Bisillah Grocery Store where they bought the Hashmi eyeliner, a shopkeeper said he’d stopped sales months ago, after a customer had an “allergic reaction.” Reminded of a far more recent sale to a reporter, he said, “You must have bought one of the last bottles.”

The Hashmi eyeliner was still available in several other shops nearby.

Other products U.S. health departments have warned about were easy to find online for delivery to New York City doorsteps.

Reuters purchased leaded Indian Ayurvedic medicines from vendors on Ebay and Amazon.

One of them, Ovarin, is touted to improve women’s reproductive health. It was shipped from a vendor in India via Amazon.com Marketplace. “A Boon to the Womanhood,” its online marketing said. Lab testing showed it contains enough lead to potentially harm mother and unborn child when taken at the suggested dosage.

Its maker, Ban Lab, didn’t respond to interview requests.

Amazon.com removed the product from its website after hearing from Reuters that it was subject to health warnings.

Another product, Zandu brand Maha Yograj Guggul, indicated for joint pain and other ailments, was purchased from a vendor in New Jersey via Ebay.com and tested high for lead.

Manufacturer Emami Group acknowledged the product contains lead, as required by Indian regulations for certain Ayurvedic formulas. The product should only be taken under a doctor’s supervision, its packaging says.

Ebay said it would prohibit sale of the item. Amazon and Ebay said they continually monitor products for safety concerns.

Overhead, underfoot

Brett Carlsen/GettyIn Queens, the city subway’s Number 7 train rumbles overhead on an elevated track.

Last year, a painters trade union said it discovered that lead paint has been raining down on bustling Queens neighborhoods from the subway’s century-old structures. A Brooklyn federal judge set a hearing for this December to consider whether to declare a public health emergency.

Poisoning risks also lurk underfoot in some city areas, where past industrial or vehicle emissions, trash incineration, and runoff from buildings with old paint have tainted the soil.

On a late summer evening, reporters conducted soil testing with help from researchers along a path in McCarren Park, a popular family destination in Greenpoint, Brooklyn.

Columbia University Environmental Sciences graduate student Franziska Landes has been testing soil around the former industrial neighborhood for months. Among the scores of backyards Landes has tested, most have had at least one reading above the EPA’s 400 parts per million lead safety threshold for areas where children play.

Aiming a futuristic-looking XRF analyzer gun into the soil, Landes quickly found one spot, along a jogging path, whose reading was five times that level.

“Wow, that’s a high one,” Landes said. Several other readings on the same path were lower, but still above the EPA threshold.

Nagin, director of New York’s lead-poisoning program, said her department hasn’t usually prioritized soil risks in an urban environment where children’s access to yards is limited. She recently met with Columbia researchers and is taking a deeper look.

Soil researcher Joshua Cheng, a professor at Brooklyn College, said more vigilance is needed. Residents in affected areas should avoid tracking dirt into homes, wash children’s hands often, and place clean topsoil in spots testing high, he said.

“The lead levels found in Brooklyn backyards are often similar to areas where there has been past lead smelting activity,” Cheng said. “They’re comparable to Superfund sites.”

Sarah DuFord, a mother of two, was among the Greenpoint residents who invited reporters into her backyard to test.

One reading was below the EPA threshold, but others were around four times that level.

“This confirms my fears,” she said. Her next step: screening her 2-year-old for lead.

Then and Now - Childhood lead poisoning in New York: http://tmsnrt.rs/2mojaEm

(Additional reporting by Devika Krishna Kumar. Editing by Ronnie Greene)

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