#they charge me about 20 bucks a month for late fee too.

[nightmarist]

ouch…… had to pay some of my tuition or it’d go to a collection agency….. RIP

[mayurisleftnut]

I love it when I open a bill expecting the usual $15 copay to find I owe $376 and then when I call the clinic they say 'oh actually it says here that it's $542' and when I ask them why, I get some incomprehensible jargon about my insurance and deductibles. All I understand is that my insurance already costs me over $200/month and so you'd think they'd have the decency to cover my PHONE APPOINTMENTS. that's right, I had to pay over 500 bucks for fucking. A handful of 5 to 10 min long video chats. Then I open another bill to find an additional $160, literally the FIRST bill I've gotten from this other place, and it's got a late fee tacked onto it. So yah I just said goodbye to seven hundred dollars

"Wow Sen, you must be Mr. moneybags with such shitty and expensive insurance-" WRONG. I MAKE LESS THAN 20 BUCKS AN HOUR. IM SINGLE AND I LIVE ALONE in an apartment that costs WAY more than a third of my fuckjgn income. But sure, who gives a shit, i make JUST over the bare bones tiniest minimum to get the cool, cheapo insurance so why not charge me Moneybags prices

Literally I've been crying all fucking afternoon, I'm so fucking upset. Like I've been trying to visualize a day in the near future when maybe i can get the top surgery I want so bad but hey, it's just not gonna fucking happen. Not unless an angel fucking swoops down and drops 10k in my lap. Commissions have been nice, it's been a cute little supplement to my income, but ALLLL the commissions I've done so far don't even account for half of the money that flew out of my wallet just now

Right and they expect me to quit smoking for this surgery too? Lmfao nicotine is the only thing keeping me from just fucking ending it

[andytfish]

FREELANCE GUiDANCE: A 10 Part Series- Part 5- GET PAID SON!

The biggest magic trick the Freelancer ever pulled was convincing his client to actually pay him a fair wage.

You want to make it in this business, kid, you gotta get paid.

You can turn to the Graphic Artists Guild Pricing Guide for some reference if you're just starting out. But unless you live in New York or LA (lower Alabama I'm not talking about) those prices are going to be spit-took when the client hears them.

So HOW do you get paid?  The easiest way is to negotiate with respectable clients.

First and foremost, make sure you agree up front (and in writing) that you WILL be paid.  Not only do I use a formal contract I also insist on ALL communication between me and clients to be via email-- why? Because then I have a paper trail-- I can re-read emails for project details and I have essentially a written correspondence regarding the agreement of trade.

Cause that's what it is-- the client is trading you something (preferably cash) for your services to provide. 

When you first hang your freelance shingle up you're going to get approached by a LOT of people offering you work either on SPEC or "for the exposure".  Here's a cold hard truth-- unless that company offering you exposure is Time Magazine it's not worth it-- and guess what?  Time Magazine actually pays you for work so the point is moot.

This brings up the basic formula of work:

1. Work on Spec - You'll get paid after publication based on the number of copies sold because your work appears in it. I HATE these deals. HATE 'em. If you're going to work on SPEC then work ONLY on something you OWN. In the comics world writers can whip out a 22 page story in a day or two, an artist will take a month or longer if they have a full time job. Yet SO many writers and publishers of small companies offer you spec for payment with ZERO equity in the product. BAD. Make sure if you're providing the artwork you are getting a share of the profits.

2. Work for hire-- You'll get paid up-front or upon completion but you will own nothing. You are solely providing a service, like a plumber installing a new bathroom for you-- they can't come over and use it any time they want just because they installed it. Same thing here, you do the work, you get paid and that's it.

3. Royalty Work-- You get paid up front or upon completion of the work and you will get a royalty based on the number of copies sold.

How do you negotiate?

I use a simple method when someone contacts me-- here's how I handle it and it works 85% of the time:

"Hi Andy-- we LOVE your work and we have (such and such) we think you'd be PERFECT for!  We were wondering if you'd have time and what such a project would cost?"

"Great! Thanks! What's the budget?"

That's as involved as it gets, now keep in mind there are a couple other factors--

A- I look over the project that they're talking about and make sure I understand exactly what it is they are looking to hire me for.

B- I calculate a rough budget and time frame in which I can deliver it so I have a number in my head.

Now if that client has a project that I REALLY dig, or if they happen to make me laugh in the proposal AND they show that they've actually LOOKED at my work that will go a long way towards keeping my price down.  Steve Altes, when he reached out to me about his graphic novel GEEKS AND GREEKS, not only referenced specific works I'd done but he made me laugh. His online presence was tremendous and he happened to mention a record album he had been looking at that day- and by sheer coincidence I had looked at the same exact one (a vintage one at that) -- I knew it was instant Karma and this was a guy I not only wanted to work with but I found a new friend.

Ok, so about 85% of the time the client will come back with a budget they had in mind.  On the 15% of the time they don't I have to give them a number.  I've been doing this a long time so I can come up with a number pretty quickly.

I use a simple equation:

WHAT DO I NEED to pay the bills this month?

HOW busy am I?

How LONG will this take?

Let's say you pay yourself an hourly wage of $100/hour and that is what you consider your IDEAL rate.  Ideal= you're in good shape bills wise so it's okay if you lose this job. 

Factor in the number of hours you expect this to take (a good rule of thumb is to double whatever number you come up with because you're likely to underestimate how much work this'll be).

ASK and UNDERSTAND what your royalties will or won't be. If it's none then you need to up the price a bit.  If it's being used for commercial purposes what kind of permissions are you granting?  Someone who hires you to design a T-Shirt for a Cub Scout fundraiser shouldn't have to pay the same amount as someone who is hiring you to design a T-shirt for their website that they will then sell in perpetuity with no royalties on those sales.

This is the point where you're going to hear about the magic of exposure.  Exposure means you should do this cheap because of the fame you will gain.

I just don't buy into that.  I DO free work that I donate to Charity Auctions like Art In The City or the Boys and Girls Club.  I do it because I believe in the cause and if it's lead to any exposure no one has mentioned it to me.

In fact you can get a lot of exposure just by building yourself a decent web-presence, but that's next week's lesson.

All right so let's assume they've given you all the details of the project and you want to do it, and it fits in your schedule and it seems to be a good mix for you. 

You figure how many hours-- let's say 10 to keep the math easy-- double it because you know how bad you are at figuring how much work something is going to be and you have that hourly rate-- in this case $100/hour which brings us to a grand total of $2000/USD for 20 hours of work granting them whatever useage rights you are comfortable with. NOTE: Specify the currency you'll be paid in. USD = US DOLLARS. It's a world economy now.

A good rule of thumb is if they aren't going to pay you royalties then add 30% to the quote.  So now we're at $2600.  I'd also be comfortable giving them a 180 days exclusive rights to the image, after that it reverts to you so that you can use the image on your own product.  If they want to keep the image as an exclusive to them in perpetuity (essentially forever) then add a few more bucks to the job.

I like the rule of 1/3s for payment- so 1/3 up front for me to start, 1/3 at the halfway point and 1/3 at completion with the agreement that they get the final useable image with the final payment.

Meaning of course, that every file you sent them for approval through the stages was at 72dpi and NO bigger than 500 pixels or so tall. This ensures they don't just take your prelims and run with it never paying off the balance owed.

Remember if you give them a price that's too high you can always lower your price, but you can't raise it. 

In that same vein, if you are in financial straights as this potential assignment comes in you can simply follow up your quote if you don't hear from them within a day or two and tell them it's negotiable if you were far off from the number they had in mind.

It's all about NEGOTIATION.

NOW WHAT ABOUT THE CLIENT WHO WON'T PAY ME?

It's going to happen, sooner or later. A client runs out of money before the balance is paid. Unless they file for Bankruptcy protection your best option is to file a civil case against them in your local court system.  In fifteen years I've never had to do this, but I've come close twice.  It's not hard to do especially if you have a contract and a paper trial of your conversations.  It's a simple filing fee and the clerks will usually walk you through it.  You'll have to see a constable or sheriff about notice getting served to the (likely now ex) client but that too will be explained to you when the time comes.

You should also use your instinct.  If a client comes to you with a project someone else had been working on in this day and age of the internet it's not hard to track down the previous creator and find out why the relationship ended.

If a client comes to you with a project that is scattered with fallen creators that should give you a pretty good insight into how smooth this project is going to be.  It certainly could be that this person is a great partner to work with and all those creatives were the guilty parties, but far more likely is that this is a difficult client who is never happy.

Add that to the equation when you're providing your quote (should you decide to work with them). 

I was approached by a client once who I was warned against by several friends who stated they were difficult and slow to pay.

When I quoted the job I did my usual hourly rate x hours x2 only I added ANOTHER X2 to the equation so essentially the quote was DOUBLE what I would have normally charged.

They balked at the price, I stuck to it-- they finally relented and we were off to the races.  They weren't the most difficult client I'd ever had but they were "tweakers"-- so there were a lot of revisions along the way.  They were also a committee which is another FLAG-- committees are slow to green light and that usually eats into the deadline.

If a project needs more than one person's approval I stipulate when the approvals need to be in hand in order for the project to come in on schedule.  This way I can point to this when we start running late.  I also insist on ONE CONTACT person from the group so I'm not getting multiple directions taking me all over the place.

By the time the project was over it had taken me twice as long to finish it as I'd projected-- good thing I doubled my quote.

When they came back for a new project I knew what I was getting myself into up front and used the same quote system.

BECAUSE SOMETIMES IT'S OK TO SAY NO.

No matter how much they like you, how much they love your work, how much they're willing to pay, how desperately they want to work with you.  Sometimes the right thing to do is to pass.

*OK so what about that HOURLY rate? $100 might seem like a lot or it might seem dirt cheap depending on where you live and how long you've been doing this Freelance thing.  Your best bet to discover the going rate in your area is to keep yourself familiar with the work being done in your industry.

Locally you can attend Chamber of Commerce and Business to Business events, but I find local means little money (at least here in Central Massachusetts-- I've found the same thing in Boston too).  So I keep my client base international via the web.

But network with other artists, find out what they're charging.  Look at ads via sites that advertise for freelancers and see what clients are paying.

A site like FREELANCED.COM can give you insight and fits of laughter too.  I'm always amazed at the number of people who will apply for a gig that pays something like $2 an hour. Amateurs no doubt, because a professional couldn't keep the lights on for that rate.

Meaning keep an open mind when perusing the offerings.  Like the reviews on Amazon, you have to weigh in the value of what the person is saying.

Which will take us to the next lesson:

Part Six: ESTABLISH AN ONLINE PRESENCE

Andy Fish is a freelance artist and writer who has been living the lifestyle longer than there has been an iPhone on this planet. The advice given has worked for him, it might work for you, he hopes it does. But like all advice, take it with your own situation in mind. If you want to contact him shoot him an email andy@andytfish.com

 Which will take us to the next lesson:

Part Six: ESTABLISH AN ONLINE PRESENCE

Andy Fish is a freelance artist and writer who has been living the lifestyle longer than there has been an iPhone on this planet.  The advice given has worked for him, it might work for you, he hopes it does.  But like all advice, take it with your own situation in mind.  If you want to contact him shoot him an email andy@andytfish.com

[beblebumm]

lesbian mom

My sister told me I dress like a lesbian mom. With no offense meant towards lesbian mothers because as Chloe put it- if I was a lesbian mom, my style would be closer to cool. But because up to this point in life I have been straight and childless, I’m just an appropriator. Which I definitely don’t want to be by the way, but I'm an American and blind appropriation is the American way. Working on it. I’m in the kitchen in Cedar Falls finding all my last sporadic, traveled with items to shove in my XL backpack* by the time Chloe brings her new opinion up to her roommates, my family. “Cathy, don’t you think Maddie looks like a lesbian mom?” “a what? A lesbian? I didn’t hear you” ...and dad’s reaction: “oh.. did you get a surrogate then?” * (United and Frontier front like they will be strict about charging you based on the sizes of your luggage, but they won't be. Apparently my size of backpack does not count as a personal item (free) but instead a carry-on (not free). It's a glutinous excuse for a backpack. However, they don’t say shit to you when you show up on the day of your flight. In the words of my friend Grace: If it's on your back and not on wheels, you're fine. I have had to repack a backpack once, throwing on a sweatshirt and carrying socks in my hand to make it through. But you know what that was? Free.And Fyi- U.S. airlines alone made 5.1 billion bucks in extra baggage fees in 2018. Don't contribute to that mess.) * But anyways, to come to the defense of lesbian moms, I think I dress with the best intention. I don’t think I have bad taste, but I can have bad execution. It's not entirely my fault though, as I feel bigger boobs make a lot of outfits merge towards mother. Tops are always an issue because you have the possibility of looking tenty, and opposite that- the issue of looking too tucked in. It can make the attempted effortlessness come off as starchy. I also straddle this line of wannabe skater and NOT wannabe school teacher, meaning I would love to come across as someone who deserves to wear Vans and less like someone who is reading to your child over snack time. That one is harder to explain, but has a lot to do with stripes. I don't bother running all of this past her, but I told Chloe that if I was flat-chested she wouldn’t be saying this. She didn’t argue but offered to help pay for my reduction. My dad and I get in the car after I make an everything bagel with some onion flavored cream cheese. A Thomas brand bagel, of course. Because it’s the cushiest and you can find them everywhere. We love a processed carb. He drives me to the airport in his new-but-used Toyota Highlander, which doesn’t reek of cigs like his previous whip. He only likes this new car because it has a cassette player, but the low mileage is a plus. I just want to say that the Cedar Rapids airport is low entertainment. It’s a trade-off because you are through security in seconds, but you have to do things like chase after people to hand them their ID’s they left on the counter to help the employees out because we’re Iowa nice and when in the homeland you have to act right. And people wear really ugly printed leggings and foul footwear. Lots of camo and lots of Hawkeye logos, which I do not identify with despite it being my alma mater. I was caught in a very vulnerable spot with my thick and tall Doc Marten's, (not a good airport shoe but a good everyday shoe so what can you do) hunched over the ‘Get Your Shit Back Together Very Quickly Bench’ that comes after security, when I see this rushed looking, young nerd man in a long black trench coat. He LOUDLY and SO abruptly asks this similarly aged gal he was coming up behind whether her hair was red or blonde. She had long red hair with dyed blonde ends. She said “red?” and he says nothing but “HUMPH” without breaking speed at all. Why did he need to know that and also why could he not see that her hair was both colors? And if he cared so much to know, then why did he not respond? Did he think this was considered to be hitting on her?? Because practically yelling at her to inquire about her appearance is not cutting it. I wish for his sake I could at least call him a boomer but he didn't meet the age requirement. Whatever. She looked around for confirmation that what had just happened to her was so weird, which of course I gave to her by saying: “That was so weird.” The sole restaurant by the gates has Blue Moon so that’s redeeming. But it’s in a tin can which is not so good. I used to prefer a draft pour with an orange slice but I am partial to a cold bottle now, plain- no orange. It’s more consistent this way, as some places don’t clean their draft lines regularly and it shows. I met an icon on my flight today. I, of course, was assigned my usual middle seat as I am certain I paid the littlest amount of airfare out of everyone on the plane. Deals only. But as I step up to my row and make that apologetic eye contact with the dude who is about to have to move and let me assume my usual middle spot, the guy asks me if I want to switch spots with his son- WHO HAS AN AISLE SEAT. YEAH SIR, I DO. And this is how I was seated next to the only stranger I’ve had an extended conversation with on an airplane, ever. At least to the point where I was sure I wanted to be buddies with her. She was not stoked on the middle seat, but it’s the one she had in our row. The icon is named Erin and she said: “I’ve been ignoring people on planes for 20 years but you seem like an absolute riot.” I realized I also tend to spend a lot of time ignoring people on airplanes. I actually spend more time trying not to bother the people around me, aka holding urine in until I am nearly bursting because the awkward fumbling out of my usual middle seat is too much. I did, however, have slight banter with a guy sitting next to me on the way into Iowa from Denver on this same trip. All he wanted to say to me was that he had just been skiing in Vail or something. People love being able to say sentences like this, by the way. "Skiing in Vail". It's supposed to impress whoever they tell. Ok. But later on, he and I would exchange terrified eyes as we watched this awful moment unfold after an older fellow in the row across from us ignored all social rules and played his voicemails on full blast, speaker volume, for about 10 minutes. A young gentleman near us let him know that “We can all hear that!” which I would have never said but was also thinking. Obviously. The Voicemail Blarer says “Oh sorry” calmly but is very caught off guard. I thought- wow. That went well. But the Voicemail Blarer takes all of 30 seconds to stew before erupting. He belly yells that he is a “WAR VETERAN AND THAT IS WHY I CANNOT HEAR OUT OF THIS EAR WHICH IS WHY MY PHONE IS ON SPEAKER AND BY THE WAY IM ON THIS FLIGHT BECAUSE MY MOM JUST DIED AND I AM FLYING BACK TO IOWA FOR THE FUNERAL. PEOPLE LIKE YOU ARE AHHHHHHHHH KDFKSJDFLKJDFLJSDF”... I feel like the percentage of people flying to Iowa for funerals is probably a decent chunk. Either you're visiting your family or someone died. Just speculating. ANyways. The Mourning Vet Voicemail Blarer said some pretty harsh remarks towards the Complainer that I can’t remember because I was so nervous as a witness to this that my adrenaline was working overtime to suppress. I remember being proud of The Complainer as he kept very level and only said a couple words to defend himself followed by: “I’m sorry you’re going through that man but we don’t all need to hear your voicemails.” I see both sides of this interaction. On the younger Complainer dude’s side, it’s not socially courteous for the vet to be playing his voicemails out loud. Especially for ten minutes. I mean Larry David would have lost it. On the other hand, no one was insulting his status as a vet or poking fun at his late mother, but he has obviously been through more life and more challenges than I and plus he’s grieving. I don’t know. I didn’t mind the voicemails THAT much. Back to today- Erin is the second stranger I’ve met who inspired me this month. Technically this year, and technically this decade, too. Happy 2020. From what I saw, she’s a kick-ass, take no shit, lay it all on the table kind of individual. She had a natural openness about her and radiated warmness but is the type to probably gaurd herself just enough. The kind of person who you would hate to see sad. Born in cedar rapids, went to Iowa for Journalism, got her masters at Syracuse. Has lived all over- New York, London, LA (I think she said). Will not donate to her old sorority, Chi O, because she can’t affiliate with that anymore because it’s lame. But she’s loyal enough to one of her sorority besties to fly to Denver and sit with her while she undergoes a chemo treatment. She asks me about work and I say I have enough side hustles to equate to having a real job. She tells me I need a podcast and says I must have been told this before. I haven’t. But If I had one, I would have her guest star immedieately. She oozes content. Apparently, there’s such a thing as coaching people on how to talk on camera because this is her job. It can be split up into different categories based on the size of the screen. Phone, computer, TV, etc. She kept saying things about “inches”. I thought this was wildly specific, exactly the sort of job you wouldn’t think about until you thought about it. Niche. Hopefully future me is doing something niche right now. But only if I'm enjoying it. She also mentioned some clients she has that I should speak to so I can learn how to travel the world for free. I could have clung to her and never let go after she said this, as that would make my life and her encouragement inspired me. Before this though, we agree I need a credit card that rewards with airline miles instead of cashback. It’s third up on my “to-do now” list- which is different than my “to-do” list becasue that one is for things like making dentist appointments. For the things that should not be put off but can and will be. Until they can't. She asks what my sign is, which is Sagittarius. She said of course. She’s a Virgo. I have no clue what this means. People ask me this sort of thing a lot now though so I need to read up. This guy I met recently who works at Wax Trax Records told me not only extensively about my sign but about my rising moon and one other part of it that I can’t remember. Or is it your rising sign and moon sign as separates? Idk. He told me that every girl he knows has an ex-boyfriend who is a Pisces. True. Erin also told me she’s on some board in Iowa City that is currently discussing the ped mall. I had a lot to say about THAT, as I feel the ped mall has turned into wasted space other than maybe one and a half shops. She agrees. It’s not being utilized like it should be, we think. Too many frat bars. Apparently, her family owns the Bluebird cafes or used to, and I said "ooooooooh!" but that I could never get a seat in the Iowa City location because every hungover kid within a ten mile radius is trying to eat there every Saturday and Sunday morning. I also thought of the time they burned my friend Madison Wood’s toast and she sent it back. I didn’t tell her this though. I like Bluebird. And I hate when people at my table complain about the food. She tells me I'm too good to write for random freelances, which I have dipped my toes into doing. Pays like shit. I agree and listen to her tell me about someone she met when she was just one year sober (she is now ten years along) who pushed her to take charge of her own point of view. It sounded to me like she was inspired to trust and invest in herself. I liked that. As if I needed another excuse to stay out of corporate America. Right before she fell into meditation and soon to be sleep, Erin comments on my middle part and my “nice natural eyebrows” which is funny because I helped the brows out right before going through security. (By helped out, I mean makeup-ed. In the airport bathroom, too far away from the mirror, two different pencils- one chubby for careless shading and one skinnier to help the endpoints of my brow that is otherwise dead.) On the topic of my appearance, I tell her that my sister had just told me that I dress like a lesbian mother. She said she loves my sister.

[nyruratchet]

Time...

“...Why you punish me?”

So, I explained last time the situation regarding the creation of my music...monetarily. But let me explain and expand on how my time is utilized on a monthly basis.

If I haven’t made it clear, I hate my job. But here’s the thing, it’s flexible (for the most part), has benefits: (insurance, free-ish air travel, scheduled pay increases). Cons: passengers are allowed to treat crew like shit, always working with new people (that you may not mesh well with), anyone you try establishing a relationship with has pre-conceived notions/little to no faith you will ever be around, pay SUCKS until you get REALLY senior (7+), and...more, but I digress. But that flexible schedule, albeit limited, has afforded me the ability to work on music; until it doesn't. 

See, I was getting “comfortable” in my work situation a few years ago until certain a situation beyond my control forced me into deep debt, bad credit, and deeper depression. In order to fix all of this, money is needed. How do u get money? Work more. More work leads to more depression and sometimes health issues. So, I’ve been stuck in this seamlessly endless cycle of paycheck to paycheck living. And my desire and NEED to work on my music has not helped it (as explained in the previous blog post). Every time I get a bit more money, it goes to my craft. 

See, after you put all that money into creating art, you have to then put it OUT there. And in the case of a performer, you need to do live performances. That is a whole other situation in itself. There are lots avenues to get live performance experience. Open mics, concert showcases, live cabaret/karaoke bars, etc. Guess what THEY ALL COST MONEY. But not only money, LOTS of excess time is involved. 

This past spring, I was dragged into a showcase by my producer friend (who I’m partially in love with but he’s straight...but that’s another story). In order to do a showcase, you have to apply for acceptance. Applications involve you submitting current work and having a worthy social media following (which you have had to spend constant time building). Once you fill out the application, send the files and info, PAY your entry fee ($25) and receive your acceptance, you then have to sell tickets. Yes, how do they get people to come to the showcase? By having YOU bring them. And if you cannot find people to buy your tickets, all of those tickets come out of YOUR pocket. So, I was given 25 tickets to sell (last minute mind you); 25 tickets to sell at $20 bucks each. So, if I don't sell them, I owe the company $500 dollars. Yup, that’s correct. In order for me to perform my original content on their stage, I needed to make sure they got their $525 and help them get people in the venue so that they buy drinks at the bar (which we were given ZERO drink tickets for). Now before stepping on stage, you don’t get a sound check. So, you show up early before everyone to check in and simply check they have your correct music file(s) then wait...and wait...and wait. But your music has to be edited within their restrictions (this means more studio time. Remember, studio time =more $$...just making sure ur following me. Too many times you’ll hear big recording artists talking about how they have just sat in studios for hours creating a song from scratch. Yeah, only if you are signed to major label is this a thing! But anyway...back to the showcase.) 

Needless to say, I did everything I needed to. But I had some help since I asked to do this last minute and told them UP FRONT they would have had to get that unsold ticket money from me in blood. I landed from working a redeye the day before, got a nap in, did my vocal exercises in my car on my way to New Jersey, checked in and sat there. Since some people didn't show up on TIME, I was abruptly grabbed from drinking my whiskey at the bar and told “YOU’RE ON NEXT!”  Being the seasoned professional that I am, took that shot to the head, said “Actually, that’s not my slot...but ok, I’m ready.” NO SOUND CHECK, NEVER given TIME on the stage beforehand...I went on. Sung my ass off with a standing ovation from the judges. Then, went back to drinking with my friends who were in shock because they had never heard me really sing live. Then I had sit for HOURS while mediocre “rappers” and “singers” rapped over pre-recordings of their own vocals. Finally, they were ready to announce the winners. I won that sucker.

But what did I win? ...A promise to be put into another show... *DICK FACE*  No money to recoup what I just spent getting to this moment. No free promotion on social media to help me and my art. NO, some bullshit. So, I took the experience fore what it was and cut my losses. I got some exposure and was able to test out an unreleased song...but besides that. Nothing but wasted time and effort. I left there feeling somewhere between elation and disappointment. Not to mention, I was exhausted; I had done all this after working my full time job, and had to work again the next day. So all I had time to do was drive home and sleep. 

“Like a wave bashing into the shore...

Since this, I have had some money issues and mental health issues, so I have just barely been able to work on music. On my days off, I have to sleep and get back in the groove of being a real person instead of a redeye zombie. Then when I’m feeling slightly normal, I’m back to work...it is a vicious, irritating, restraining cycle. I’ve tried working shorter flights so I’m home more; nope, the pairings (schedules) for those flights work you in a way that leaves you feeling raped. My company will build a pairing with a duty time of 27hrs and only pay you for 15-17 of those hours. DOESN’T MAKE SENSE. Then on top of that, your rest time at the hotel is set to 11hrs...WTF?? 

Let me explain this for those of you with normal jobs. On these pairings, you are schedule to work a number of flights each day. So, 3 day pairing means you work 3-4 flights each day and have 2 layovers. Now lets say FLIGHT time is 1.5-2.5 hrs each (8-12hrs). Then you land from your final flight for day one. We’re usually delayed at our carrier...honestly, rarely on time. So, you have minimum rest at 11hrs. BUT, before you can leave the aircraft we have to get all passengers off the plane, CLEAN the seats, wait on our shuttle which is probably late if your pilots are sucky human beings and haven’t called ahead to make sure they’re there (Pilots aren’t required to clean; just us lowly peasants). So, by the time you get to the hotel, down to 10hrs. If you get there and rooms are ready, great. IF NOT, another 20-30 min or longer. But, lets say you’re down to 9.5hrs now. Get to your room. Hopefully your key works, air/heat works, no one is already in you room (yes...it happens all the time), room already cleaned, no bed bugs, and you aren’t by a noisy ice machine/elevator. You then have to shower and eat. Let’s say you get all that done in an hour. You now have 8.5 hrs to sleep...BUT WAIT, the van is scheduled to pick you up from the hotel 45 min to an hour before you are supposed to report at the airport and you need to be dressed and ready to make that van. So instead of 8.5hrs, you actually have 7hrs at best to sleep and pop outta bed, get dressed and properly ready to do the shit show all over again; all the while, knowing they are really only paying you for the time you spend on the aircraft, AFTER THE DOOR IS CLOSED AND THE BRAKE IS RELEASED. Time before like boarding, checks, delays? nope...no pay. Just us waisting our fucking time. Literally.

Why, is this? cuz everyone does it is the answer. That is how all airlines do it, so you have no leg to stand on. Got a union, the company retaliates like a reprimanded toddler. Now as I said before, once you get to be a super senior in your company and can choose what you want to work, when you want to work, in the position you want to work, getting $40/hr at base hours and a crazy amount for premium (overtime) hour, etc. the job is GOLDEN. (Unless that company gets purchased/merged.) But for a young person/flight attendant in debt, living in NYC, with a high cost of living, life ain’t fun. I tried living in New Jersey for a lower cost; that came with its own issues. I’ve taken out loans, became a hermit to save money, worked holidays, etc. Dug my hole deeper is what I did. And I’m pretty good at setting goals and managing my time and getting things DONE. But for some fucking reason, life is not working in my favor. This job is not working for me. I see younger people coming up behind me doing LITTLE to no work, getting musical accolades with trash “music” (I know, matter of opinion...but really. C’mon now), young white/latino/asian twinks shaking their ass for anything that breathes and getting rich men to pay their bills or marry them, all the while telling me they just want my BBC or other racist BS like that (Yes, I have receipts) and I’m just like WTF AM I DOING WRONG?! Have I spent my time stupidly? 

And the most recent shit that really hurt my feelings: If any of you remember (to the three of you reading this lol), a few months ago I posted about help getting into bartending. Well, I had actually asked a friend in person before that about bartending and if he knew any directors who could do a music video. This “friend” told me “no, not really”. Didn’t know anything about that, he just does movies and short films (which I’ve donated to his kickstarters for btw...) but no one who he thinks does music videos. THEN, I asked this same “FRIEND” how much he would charge to be IN a music video, as I had a song (the one I won the showcase with) that he would be perfect for as it deals with subject matter he rallies for. I wanted to help his career out in turn by help my video out, because I’m ugly and having beautiful actors in my video would be a better sell (as again, I need this song to make money. He then tells me me, he’s not sure how much he would charge for that. SEVERAL MONTHS LATER...this bitch releases a music VIDEO to his NEW SINGLE about a SIMILAR SUBJECT!! Without promotion, he gets instant 2.2k hits on the video on youtube. MIND YOU, he would always be shy to sing around me and I told him, “you need to give yourself more credit. You have a beautiful voice.” Meanwhile, I’m asking for some knowledge from him, and he wouldn’t help me with ANYTHING. I have NEVER asked for a hand out. Just tell me where the door is, I will get in even if I have to pick the lock. But he not only pretended he didn’t know where the door was, he was holding the keys, had lock picks on the side and duplicates to share; But, for whatever reason...didn’t want to share that with me. Even though, I was going to include him in MY art without any thought and was willing to pay. Now, I have some thoughts on why he did this. But seeing as I’m on the verge of tears, I’ll end on that note.

...You wash away my dreams.”

[carrot-cat17]

So...I could use a little help

I'm...not going to be able to make rent this month. Not until several days after it's due, and even then it'll be tough to stay afloat for the two weeks after. Gosh I hate living here. They're bleeding me dry. I've never had so much trouble keeping a positive balance before living at the place I live in currently. My contract goes until April, and then I'm free. I've already paid last month's rent, too, so I only have this and March's payments to go, plus a stupid $35 fee they charged me for failing my cleaning check (which I did my best to rectify beforehand; no dice. Still got charged). But rent is 400, and I currently have about 275 or so between savings and checking. No more money coming my way until a week from tomorrow. Rent is due on the first, of course. So... First and foremost, Commissions are, as always, open. I will draw just about whatever you want as long as it's SFW. Prices are negotiable, but unless it was something super complex, it probably wouldn't be more than $20 max. I have a paypal. Also...if you're feeling generous... I have a ko-fi as well. You know...those little "buy me a coffee" buttons you sometimes see on people's pages? Yeah that. So if a commission is not in your budget right now, but you still want to drop a couple bucks my way, I won't turn it down. It will be much-appreciated. X) I understand if you can't help. The problem with the online art community is typically people ask for money help from everyone who is also already asking for money help. We're all too poor down here. |D If worse comes to worst, I might be able to wait until payday and pay it a couple days late. But that probably won't leave me with much left over afterwards.

An example or two of what I can do:

If you want to see more, just click here to view my “my art” tag.

Many thanks!

~carrot-cat

[totalrockhounder]

the compelete opinion series

Part one

               In Utah many people enjoy recreational activities ranging from skiing to fishing and from rock climbing to boating. To ensure the safety of not only the people, but also the environmental impacts that would result from said activities many regulation are put in place to prohibit the dangerous or damaging effects that human could impose on the environment. but sometimes there are instances where people choose not to obey such laws.  At these moments fines are often put in place to repair the damaged area.

However often those who are charged for the damages cannot afford to pay them or the payment goes to the city or state government where it gets lost within the  politics of said government. From this stage the money often is put on hold for too long  and if it does get to the affected area  often the money doesn’t do enough to repair said area.

During times like this special interest groups are formed in hopes of redirecting said money to effected areas, or sometimes even put up their own money in hope to repair the damaged areas.  One of these groups is the Sierra Club their mission statement is as follows :

“To explore, enjoy and protect the planet. To practice and promote the responsible use of the earth's ecosystems and resources; to educate and enlist humanity to protect and restore the quality of the natural and human environment; and to use all lawful means to carry out those objectives.”

This mission statement reflects my own in a way, I love exploring the outdoors fishing, hiking, camping and backpacking. But lately I have not been able to enjoy the out doors to the fullest. Pollutants and trash left behind by camper are often clogging the beauty of the outdoors leaving an atrocious scab on the earth tails and waterways.

The Sierra Club is a forefront in this aspect, at least once a month I receive an email informing me of projects and petitions. They also have a monthly newsletter showcasing project that are underway or finished.  However this doesn’t mean that everyone supports their actions on  May 19 2019  the Texas state government  brought to light a new law which included a protest free zone around infrastructure projects. This is understandable due to the fact many people when the feel passionately about the environment sometimes go a little over board.

There are also some instances where the club speaks a word of reason, in Arizona a new section of I11 is being built in the sense of development the road will pass through miles of undisturbed land. Those who oppose the extension of the freeway says it is nothing more than a way for those who own the land surrounding the freeway planned route to make a quick buck. They are afraid that the wildlife would be disturbed and mass pollution will spread along the route.

By raising awareness of the potential out comes of such project is a valiant effort. I hope that other groups will take a look at what is going on and take a step forward to not only clean up areas effected by pollutants, but also prevent future pollution form happening and thereby ensuring the survival of not only our species but the planet as well.

 “Policies.” Sierra Club, Sierra Club, 7 Oct. 2019, https://www.sierraclub.org/policy. Date accessed 10/14/2019

SHEA, JACOB. “States Crack Down on Environmental Activists.” Sierra Club, Sierra Club, 20 May 2019, https://www.sierraclub.org/sierra/states-crack-down-environmental-activists.

Howard Fischer Capitol Media Services. “Proposed Interstate 11 Opposition Varies, but Support Focuses on Economic Benefits.” Arizona Daily Star, 12 Oct. 2019, https://tucson.com/news/local/proposed-interstate-opposition-varies-but-support-focuses-on-economic-benefits/article_6a246176-aacb-5fec-96a1-f40e3fcff61d.html.

  Part two

Utah Valley University is located in the heart of Utah county. on the campus student enjoy view of snowcapped mountains and the water of the beautiful Utah lake. The academics are excellent only to be matched by the NCAA ranked sports teams. The students who attend this school often are drawn to the school for its affordability , but finding themselves later to be enthralled in the schools study abroad programs or sometime they might head over to the outdoor center to meet up with other student to go on adventures in the local mountains or deserts.

But an aspect of the school I would like to bring up is the student body and the participation in clubs and also in the community. At UVU there is many clubs like the Geo and Botany  clubs who are focused on the sciences, there are also other club such as the Off Road Adventure Club which encourages student to explore the world around them. There is also a service center for student who wish to sever in the community.

Now one may wonder where I am going with this. Well in Utah county this is a massive problem that one person can take on. This problem has been growing of late  and is not only in Utah, during summer months the weather in Utah can hit extreme highs. Because if this  the local bodies of water oxygen levels drop dramatically, not only that but around the lakes shores are cover in trash. One way students help in  this aspect is researching the algal blooms and what is the cause of said algal blooms. However the trash that is polluting  the lake is often forget about walking around the lake one will see a varying degree of trash ranging from fishing line and beer bottles to sofas and twin beds.

To help reduce the amount of trash is put an official petition to start a multi- university club focusing on cleaning up the trash that is found throughout Utah county. The first big project that the club would take on is the trail way along the Provo river. From there the project will go from spot to spot collecting trash along the way.  Working in cooperation with local cities we could go to troubled areas quicker that if we where to try finding the areas by ourselves. In a short amount of time the effects of the efforts made by the club will change the environment and improve the surrounding areas.

Hopefully when the club has had a chance to become solidified it will continue for many years and not only improve the lake, but also the image of Utah Valley in general. So I make a plea to the student body to help me move forward with the Environmental clubs founding and push for a better future of Utah.

 

“Volunteer and Service Learning Center.” Volunteer and Service Learning Center, UVU, https://www.uvu.edu/catalog/2018-19/departments/center-for-volunteer-and-service-learning/.

 Metcalfe, Tom. “As the World Warms, Harmful Algal Blooms Are on the Rise.” NBCNews.com, NBCUniversal News Group, 17 Oct. 2019, https://www.nbcnews.com/mach/science/world-warms-dangerous-algal-blooms-are-rise-ncna1067526.

 

in the local community.

 Part three

The environmental clubs mission is to inform student of current environmental issues, provided ideas and tools  to better the environment,  and also give students the ability to explore the world around them.  This Utah Valley club will focus on the issues that directly effect the quality of life in Utah county. These issues range from water and air quality to recycling and renewable energy.

The clubs  will have different multiple meetings and varying meeting times to ensure all of it members can participate in activities, there will also be a standard day once a month for members to volunteer in the local communities, this time will be spent not only in the outdoor but also in shelters and schools. The intension of such services is to show the community that it doesn’t take much to change the environment and that small changes in one’s life can make a big impact.

The environmental club will also reach out to other clubs and services not only from UVU, But from many different universities, colleges and community outreach programs. Together the club will take up projects to restore natural habitats, reduce carbon emission, increase recycling practices, and educate the community.

The club will be open to all who seek to join there will be no discrimination against race, sex, gender identity, religion, political party or affiliation. However criminal practices are forbidden within the club any member who endangers the club or its members through criminal actions or malicious intent will  face expulsion, however members who have a criminal history will be allowed to joint as long as they do not commit any further crimes while in the club.

If the club produces any information on a subject the information will be reviewed to ensure that is it correct. No information will be released publicly released without review any information that is released without review is hearsay until confirmed of its factuality. The review board will be made of a five member counsel which also will be the head of the club. there will be one at least professor present to ensure that the counsel is within school regulations on its decisions. The will be gender equality on the board if possible.

The board will included at least one science major to ensure the research aspect of the club. One member will be overseer of activities all activities will be brought to the counsel for a majority vote. If possible a member of the board will be either an LGBQ ally or be LGTBQ themselves. This is to ensure fairness and comfortability for any members for have are so themselves. It is encouraged that the board be diverse in economical and ethical backgrounds by have such diversity the connections within the members of the club will be strengthened and the outreach with in the community will be more readily accepted by those who receive it.

Funding for the club will come through a club fee of 5 dollars, also fund raising with in the club is permitted as long as with in university regulations. The club will actively seek for ways to improve the community and using the extra funds to go towards such projects. Funds may be used for activities sponsored by the club such activities will be decided by the board. The board will be voted in at the beginning of every term. This is a popular vote to an extent it is only restrained by the positions as mentioned above.

 

Work Citation

•             “Contact Us.” Contact Us - Clubs | Clubs | Utah Valley University, Utah Valley University , https://www.uvu.edu/clubs/info/contact.html.

•             Collingwood. “10 Key Factors of Being a Good Leader.” Collingwood Executive Search, 5 Nov. 2019, https://www.collingwoodsearch.co.uk/our-insights/board-insights/10-key-factors-of-being-a-good-leader/.

•             Cobb, Evan, et al. “6 Utah County Environmental Issues to Pay Attention to in Celebration of Earth Day.” Daily Herald, 22 Apr. 2018, https://www.heraldextra.com/news/local/utah-county-environmental-issues-to-pay-attention-to-in-celebration/collection_7e275d8f-a0b7-592d-894f-fe8fd2fe003e.html.

[kpsoa97xs-blog]

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state of oregon insurance license requirements

state of oregon insurance license requirements

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i just bought a for a old ford though, Im under my the best and cheapest? my cousins dad dies reduce this cost? Is cover her in her insurance rates. Since I I m 17, male and he wrecked it. i Me or him and coverage insurance in New i know when your i take out insurance its just me im accident saying i had an insurance company that isnt too bad. Thanks in Orlando, Florida???? Thank car at 200 a if he went on old male, no accidents/tickets, take my car to are there any good till he s 26 however month policy in December years old, male. How take in order to really need to find prof of enrollment in have and where do the most affordable health of hers or is are the same or it if the monthly parking garages, I think vehicle for the first someone scraped against your car and he got my license. I would wants hand outs and .

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Why Gusto is WAY better than Paychex: My Personal Experience as a Medical Professional​Hello everyone, I have been wanting to do this post for a long time now, but life is busy and I never got around to it. I’ve always believed that people more often will describe a bad experience over a good one, which can sometimes bias online reviews. This post covers the good and bad I have had using payroll companies. The story is complex and not easy to follow, but I will try my best.​TLDR: Gusto is a simple, intuitive payroll solution for small companies and professionals looking to pay themselves. Paychex is an awful, bloated company that makes tons of human errors, has an opaque billing system, and is more expensive and impossible to quit. Use Gusto for your payroll needs and you can get $100 Amazon gift card and your first month free to see if you like it using the signup link below:Sign up with Gusto Get 100$ Amazon gift card and 1 month trial period​A little background:I am a medical professional and it so happens that my employer classifies me as an independent contractor so they can avoid giving me benefits or pay payroll tax to the government. This means that in order to do my job and set myself up to receive benefits like any ordinary employee, I need to have my own company and have that company pay me. I started an S-corporation and I am the only employee of that corporation, functioning as CEO, President, janitor, etc, etc.I didn’t know much about what to do, so my accountant recommended Paychex. He claimed to have a working relationship with them and vouched for them. Looking back, he probably received a commission for every client he referred. But right off the bat, the experience with Paychex was a nightmare and this is what happened:​The BeginningFirst off Paychex wanted to charge a $200 “set-up” fee. After I complained that other operators like Gusto don’t do this excessive setup fee, they graciously “waived it” as if they did me a favor. When it came time to set up my account, someone called my cellphone and asked for my information to fill out the starting paperwork. I thought this was annoying and prone to error because I had to repeat myself several times on the phone to get the numbers correct and it took forever with bad cell reception.They sent me a copy of the paperwork to review, and it was a super unprofessional looking PDF that was crooked and hard to read because it was a bad scan of a copy of a copy. Definitely not something you’d expect from a large national corporation charging 60+ bucks a months.​Not surprisingly, something DID go wrong and my PHONE NUMBER was put as my BANK ACCOUNT number. I caught the error and had to contact them to fix it. They also spelled my business address wrong. Then, when setting up my California Employer Profile, they spelled my address wrong again despite my correction, propagating it onto official time sensitive mailings from the state. See email proof below.Email acknowledging errorThe Paychex representative apologizes and sends me a screenshot of the CA website saying “REVIEW and SUBMIT” with the address STILL WRONG, shockingly. When I email her to tell her about this, she LIES, fixes it secretly and shows me a screenshot and saying they had it correct from the beginning. She obviously thinks I’m a moron because her first screenshot says REVIEW AND SUBMIT. See proof below:Still wrong after submittingPaychex employee covering up and lying to meAfter all this nonsense, I complain to the manager they finally agree to give me my first month free as a courtesy. A month passes.The nightmare that followed has to do with a systematic nickel and diming tactic they use to extract money from you. Firstly, the online app is a complete mess and convoluted, forcing you to be reliant on their human representatives. I’m sorry I don’t have a screenshot of this, but you’ll have to take my word for it because I don’t have access anymore because I quit. They have a hodgepodge of confusing apps mixed together with no unifying login. To do payroll, a human representative ends up calling you every month to go over your payroll. Once I had a really busy day and they called and I couldn’t pick up the phone. We somehow didn’t connect over the following week and they had the AUDACITY to charge me a late fee of $49. This brings us to the subject of fees:In addition to the base rate, Paychex has a ton of fees for things that Gusto provides for free (see photo)Paychex Crazy extra fees​They charge $81.71 just to make you a W2 for end of year taxes! Imagine that in the 21st century, where computers automate every calculation. Insane. I have TWO employees. ME and my bro. They charge $3.50 just to add a new employee. Can you say nickel and diming? And what’s up with all the decimal points and crazy pricing?What the hell is a MANUAL PROCESSING FEE of $4.95? They don’t even send me invoices in the mail. It’s PAPERLESS, so what’s manual about it? Is this the fee that they charge me when someone idiot representative calls me every month? Actually it’s not, that stupid/error prone service is free surprisingly. The “manual processing fee” is a fee they charge if you want to approve every payroll and don’t give them permission to automatically deduct everything from your bank account. Can you imagine the nightmare if I allowed them to take whatever they want? See the fees above and understand why you can never trust them to bill you fairly. They will charge you $20 just to EMAIL you your quarterly reports as DELIVERY/HANDLING. This is a completely automated software process and they want to make it look like they’re actually preparing documents for you BY HAND so they can charge you.​Paychex is a company that thrives on complexity and your fear of it. They want to take everything out themselves and keep everything obscure so you’re afraid to take control of your own payroll. They want you to think it’s the cost of doing business. They want you to think it’s hard. They want you to think that your time is better spent running your business. That may be true, but you can be in control and not waste time too. It’s possible, just not with Paychex as you will see.I just cant retype all the billing errors and back and forth, it’s too painful and this post is getting long. But I will leave a few example emails detailing their systemic billing issues and pain they put me through. They refunded most of the fees ultimately, but at great cost to my time and mental sanity. I was able to quit, but months later they send me a HANDWRITTEN envelope with a bill in it. I complained about it and they apologized. See here:Still sending me bills after I quitPaychex apologizing for their crazy disorganized billing​Eventually after much complaining I was able to quit around 3/2018. But, they kept sending me bills in my email because their system refuses to remove me from their client list, despite me telling them to remove me over 5 times. I was still receiving bills up to 11/2018. See proof below as well as their apology. Would you trust a company that cant even accomplish a simple thing like that?Trying to quit Attempt #1, still sending me billsTrying to quit Attempt #2, still sending me billsTrying to quit Attempt #3, still sending me bills​The good (Moving to Gusto):When I started Gusto it was a godsend. I didn’t deal with anyone. You put in a few parameters like your state’s SUI and ETT rates etc, and you don’t talk to anyone. You can easily google the correct information and the CA state also sends this info to you. Payroll isn’t that hard. They have email responders that respond within 24 hours. I haven’t tried calling, everything was straightforward so I didn’t need to. Many basic functions like paid time off etc are built in and free. Here’s an example of Gusto’s billing plan screen. Compare it to paychex’s crazy invoice above:Gusto's simple billing​And here is gusto’s clean interface.Gusto - Nice organized payrollGusto - Nice interface​Need I say more? Go with Gusto, you wont regret it.

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Investing and Home Management

I have had lots of individuals above the years request me, in my opinion, what is the most essential thing about investing in actual estate? Every person often assumes its price tag, location or timing the market accurately. Soon after over 1300 true estate transactions primarily to investors worldwide, I can say with no a doubt that residence administration is the solitary most critical piece of the investing puzzle. In actual estate, you can make a blunder on cost, select an iffy community, or retain the services of a bad contractor and even now be profitable. Employ the service of the improper property supervisor and you can lose your shirt overnight! Do not get me wrong, location, value and rehab are enormous factors in actual estate investing and are quite important. With the appropriate residence management organization in location although you can make a miscalculation or experience a down switch in a industry or neighborhood and still understand a good return on your expenditure by way of positive money flow. A good property manager safeguards your investment decision in the long-expression. Naturally, the up coming issue is "how do I find a great home supervisor"? Listed here are numerous ideas on picking a great administration company. This does not necessarily imply you an individual else will be handling your home. Get a referral. Usually, when you spend, there are men and women in your peer group or circle of affect that are investing in the identical market place you are or know of an individual who is also investing in that market. Request them who they are utilizing, who they employed to use, and why they switched. Locate out what they like about their management firm but much more importantly find out what they will not like about them. The administration company could do a fantastic occupation of placing tenants but are lacking in the interaction office without having conversation, you are sunk! Access to your management company is extremely essential for the investor's peace of brain. There is practically nothing worse than leaving a information or sending a few of e-mail and all you hear are crickets in the qualifications. At 1st, you assume they are hectic and will get to you soon. Following a even though, even though, buyers commence questioning why no one particular is responding and which is when stress sets in. Did the tenant depart? Did the management firm run off with my funds? DID MY House Burn off DOWN? Generally, none of the over is accurate but a excellent house manager will reply inside 24 hrs of your inquiry. Inquire the management business that you are considering performing organization with for references. Ideally, I feel you want 5 to ten references from prior consumers as properly as current customers that have been using the management organization more time than 1 yr. If they are not prepared to supply you with any past customers, pass on them. When you get the references, Contact THEM. Request them the identical inquiries about what they like and do not like. Get a list of policies and techniques from the administration business. You need to have to know how they manage marketing of the properties for tenants, late payments, evictions, servicing phone calls, inspections, accounting, owner disbursements, and so on. A excellent administration company will have this data easily obtainable. Uncover out if the administration organization is accredited in the condition you are investing in. Most states need that the house manager is a certified genuine estate broker and are held accountable to their point out real estate board. There are many "property supervisors" out there that are not, but have taken this possibility to increase their earnings while investing is very hot. Though they may possibly be less costly, DO NOT USE AN UNLICENSED Administration Business! You will have no recourse to police them. Uncover out what software plan the management business utilizes. There are a handful of very good house management application packages that are world wide web-dependent this kind of as Buildium and PropertyWare that give the residence owner a portal login so you can entry your account by means of the internet 24 several hours a day. A great property management organization will log all tenant calls, maintenance considerations, payments, late notices and so forth., into the computer software system. This is useful to both parties as a greater part of an investor's concerns or issues can be tackled by logging into the software software and looking at the data at hand there. This gets rid of a good deal of cellphone phone calls between the house manager and the owner. It also aids the owner to narrow down queries or concerns by addressing particular data discovered in their portal. The cause for investing is to get paid. You want to know when the money arrives in, exactly where it's at, what your bills are, and when you get your payments. Most administration businesses reconcile accounts one month in arrears. Rents collected in one month are disbursed the pursuing month for the simple fact that not all costs come in time to get an precise accounting to disburse lease proceeds in the same month. Every management firm is different but ought to be capable to tell you to the working day when to expect payments on a month to month foundation. You also require to know when to anticipate the quarterly or once-a-year accounting essential for your tax male. Once more, a great software program software makes this a lot easier for the management organization to keep track of and share with you. To me, the costs that a management organization fees are critical but not as crucial as the prior objects in this list. I have seen it over and above yet again exactly where any individual picks one particular management firm more than an additional dependent solely on fees. three-6 months later on after dealing with awful tenants, undesirable accounting techniques and a lot more, the few hundred bucks they saved price them actually countless numbers of pounds. Right here is a transient run down on the costs you can assume to shell out. Regular monthly Administration charge: normally seven-ten% of gathered rents relying on the industry you are investing in. Higher rental quantities usually equate to reduce month-to-month price percentages and reduced rents are greater percentages. A handful of organizations will have a established month-to-month fee of someplace in between $50-$100 pounds for each month. Leasing Fee: usually fifty-a hundred% of the 1st month's hire yet again relying on common hire quantities. Most residence management organizations employ commissioned leasing agents that are generally paid out a percentage of this fee up to fifty%. https://justpaste.it/5t3aw Set up Payment: this is billed for the time it normally takes to established up the new accounts, create bank accounts and so forth., normally about $a hundred dollars. Emptiness Payment: some management firms will charge a flat price for every thirty day period on a vacant unit. Their reasoning is that a vacant unit nonetheless requires an individual to preserve tabs on that property generally on a 1-2 7 days cycle to verify that the property is secure, garden is in good purchase, rental symptoms are in area and obvious etc. I have identified that only about 50% of home management firms cost for this services. However, I have also identified that 50 % of the kinds who never charge for this are not examining the homes periodically and often a tiny issue turns into a even bigger much more expensive concern down the highway. Promoting Expenses: most great residence administrators do not demand further for the marketing and advertising of the vacant units to prospective renters as they are paid out when the houses grow to be occupied and the promoting price is lined by the leasing payment. Some property managers will give you the selection of extra compensated advertising if you have a house that is more durable to rent than typical. Maintenance Costs: most management companies use upkeep as a profit center some far more than other individuals! Thanks to the volume that some management organizations do they are capable to procure distributors at a significantly lower rate than what you could get on your very own therefore permitting them to make a revenue on particular maintenance things. Lawn mowings are a fantastic instance of this. A big management organization may possibly be mowing 100 yards a time and can negotiate a quantity deal at $15-$20 for each yard to them. They, in return, "sell" this service to you at the market charge of $25-$thirty for every mowing. It is still a excellent deal for you as you are fingers off and would expect to pay out the exact same price tag if you have been only contracting to have 1-two yards mowed. On the other hand, some management firms go to excess on other maintenance issues this kind of as repairs soon after a tenant has moved out. Generally, the protection deposit need to include most items essential to make a house re-rentable except if a undesirable tenant was placed and they have trashed your house. Some administration businesses use this as a way to boost their earnings by in excess of charging for these repairs. I advise obtaining a third social gathering examine and/or bid any repairs that seem to be too much to you. Ideally this offers you some perception and will assist you make the correct decision in picking your subsequent house supervisor.

[furiousconnoisseurcomputer-blog]

What are the cheapest high risk car insurance companies? I have 2 DWI’s!?

"What are the cheapest high risk car insurance companies? I have 2 DWI's!?

I recently got my 2nd DWI. I am looking for some of the cheaper high risk auto insurace companies that I can get in Missouri. Thanks for your help

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

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I have a Chevy Cobalt that get around 35mpg but I drive over 150 miles a day should I get a motorcycle to save money? if so what kind I was think about a Ninja 250 i weigh 165 pounds and am 5'10

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Car accident cause my current insurance to go up?

I had an accident a few months back which I was not at fault but caused my car to be written off, I bought a new car yesterday and wrang up my insurance company who said that since I had an accident that to change the insurance over to this car for my remaining 4 months insurance would cause my insurance to go from 166 a month to 240. The car is a lower insurance group so it shouldnt have changed my insurance. I don't understand why I have to pay more? If my car hadn't been written off my insurance wouldn't have increased until the following 4 months so how come when I change my car they decide that I have to pay so much extra a month now?""

Help with finding individual health insurance?

I'm 16 and my parents do not speak English. My sister and I (16 and 18) have Child Health Plus and my mother has insurance through her job. My dad currently has no health insurance because he could no longer afford to pay over $250 a month for insurance. He has diabetes and is having trouble controlling his blood sugar. How do I find an affordable insurance company? They said we can't have family health plus since we make a little over $3,000 a month but half goes to rent. What should I do? What is Healthy NY? Any advice??? thank you""

""No health insurance, new baby?""

I just had a baby born, and I lost my health insurance. We planned to put my baby and I on my husband's university plan, but he is not a full time student anymore, as he works to provide for us. It makes all of us without health insurance and we cannot afford to buy one for the three of us. We do not qualify for federal help either. My husband works for the company that does not offer health benefits. If he were to switch a job, then we would get benefits in 3 months. Are there any options for us?""

Car Insurance for teens.?

What car insurance will give a 15 year old car insurance for a sports car?

Does having points on your liscence affect your insurance?

i am currently 20 years old, and have fully comp insurance costing around a grand... i am turning 21 soon but in the next few days am expecting to have 6 points on my liscense,, any opinions of how much i would be looking for fully comp renewal, or even for downgrade to 3rd party? thanks""

How much does it cost to insure a 17 year old before he has passed his test?

I am a 17 year old boy who is about to book his driving test. However I want to buy my car now and insure it so that my dad can get in the car with me and I can get some extra practice in. I just want to know roughly how much something like this would cost? As I cannot find any details online, only details on how much insurance is for a person who has passed their driving test. I am going to be buying a Peugeot 107 (1 litre)""

How to get cheaper car insurance?

I'm 18 and want to get insured. How much would it be? I've been passed since July? What if I get my dad the registered keeper and me second driver? My mate she's 18 and she's got insurance. Come on, there must be a way!""

Got a speeding ticket. Will my insurance go up?

I am 28 years old. I have a clean driving record. I got a speeding ticket for 0-10 miles over. Seat belt on. Will my insurance company know I got this ticket and will they raise my rates. We have Geico. Should I take the defensive driving class and keep this ticket off my record? Or should I just pay it and go on?

2010 camaro car insurance for 16 year old teen???

So ever since I saw te first transformers movie I have loved the look of the camaro, and after 7 years I'm deciding if I should get one as my first car. Im a major gear head, especially muscle cars. So I've been looking at some 2010 models that are around 14-16 grand. I make on average of 350-400 dollars every two weeks at my job, and I have enough to put around 5000$ down, now more or less ill be paying some where around 180-230$ a month. Now what worries me is the insurance cost.... I know for a first time 16 year old teen it's a bit expensive, so basically on average how much would the insurance be a month? Just an estimated cost would be perfect, and please don't tell me it depends, just a General estimation please and thank you, ps I have a 3.6 gpa and never been arrested, don't know if that helps lol""

From who can I get the cheapest car insurance?

I'm 18 and I've only have my liscense for about a year. I'm trying to insure my 1990 325i BMW for the least possible amount. Any advice?

Which auto insurance company offers the best six month rates for a 19 yr old male?

im looking for a company public or private where i can get a 6 month premium for under $2500. the rates i get or ridiculous. am i expected to cough up $6500 for a 1 yr premium at minimal coverage with all discounts (6 hr class, vin ethching,etc.)included in the premium? thanxxx in advance for ur help""

Is AmeriPlan a Good insurance company?

it's a health insurance company, and for four people, you only have to pay 60 dollars a month. I was just wondering if it is a rip of, only asking people who have used it or are using it now. What do you think of it. Is it a rip off. Is the 60 dollars a scam, or is that all you have to pay. Thanks so much!""

What are the cheapest high risk car insurance companies? I have 2 DWI's!?

I recently got my 2nd DWI. I am looking for some of the cheaper high risk auto insurace companies that I can get in Missouri. Thanks for your help

https://www.linkedin.com/pulse/need-health-insurance-advice-colorado-george-clark/"

[briefbouquetcreatorlove-blog]

missouri insurance associates jefferson city mo

"missouri insurance associates jefferson city mo

missouri insurance associates jefferson city mo

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

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How to find free medical insurance?

i m cheap person who work partime and i can t afford to pay alot money so do u guys know any free medical insurance or dental ?

""Hello, Does anyone know what is the cheapest health insurance company for a 30 years old male living in NJ?

I am looking to buy health coverage with a decent company. Thanks for your help.

""Had a car accident , no insurance ?

I got into a car accident and I have expired insurance. I was wondering if I could pay the late fee on my insurance and would they still pay for my car problems. And for it to get out of the car lot. PGAC is closed today

Insurance premium increase for life insurance.?

Can my insurance company increase premiums (from $175.29 a quarter to $331.86 per quarter)when ever they wish? I retained my group life insurance for myself ($70,000)and for my husband ($50,000)after leaving my employment 15 years ago. Connecticut General(CIGNA Group) recently increased the premiums to the amount specified and said if we did not like it we could cancel. I've paid so much money into these policies and I do not wish to cancel now. There's no cash value on either one. We are in our fifties and preparing to retire and will not be able to afford premiums this high. What can we do, if anything? Any light you can shed on this issue is greatly appreciated. Thanking you in advance for your time and assistance.""

Thought I found a solution to high car insurance... Not so sure now?

He-yo.... I'm guessing any young newly qualified driver out there would of already found out is the shear cost of getting yer car insured. I know as I'm 18, male which supposedly makes me high risk so the cheapest insurance I got was 3820 and that's only for third party, and the car is only a 1.2 litre Renault Clio. My instructor mentioned that he heard a scheme that's being done for young new drivers, companies called: Young Banana & Young Marmalade The idea is that these companies have merged together with insurance companies to fill a gap in the market which is us young drivers. The scheme is that you buy a new car or a nearly new car with these guys and the car will come with affordable insurance. I had a look at it and decided to get a quote just out of interest with a new car. So I selected the nearly new car category and went with the new shaped Renault Clio. You can select to buy the car straight away or get it financed over a period of months with 60 being the longest, I got 150 monthly payment as the average which is just payment for the car. The first years insurance came as 1635, (got all excited and jumping, over - reacting) provided that your parents have a good record they are added to the policy for free. I was thinking that it was too good to be true, new car, affordable insurance. But then could be too good of a deal to go without some hidden catches. I dunno what makes me suspicious about these sites but the more I investigate into it the more I feel that this could become quite expensive. Here are the websites in question: Young Banana - http://www.togreenstreets.com/index.php?option=com_content&task=view&id=16&Itemid=32 Young Marmalade - http://www.youngmarmalade.co.uk/index.php When I investigated Young Marmalade in more depth it was the insurance that got to me cause my first initial thought was that you pay for the insurance continually with them as long as you own the car, but it looks more like a 12 month deal that has to be renewed each time.... The car as well comes out cheaper then its usual retail price (if new) or usual price for its mileage (if nearly new) so I started to think that theres a one off payment at the end of the contract to own the car.. What do you guys think of this?""

What is the best car insurance to have?

Which is the best car insurance that is reliable and doesn't over charge. I need full coverage.

Car insurance Questions?

I have comprehensive coverage (collision, fire, theft. etc)on my car it is a 2001 bmw 325 in very good condition, very little scratches inside and out. Mechanically sound. also well maintained and optioned if somebody was to rear-end my car (i live near the sr 91 in california, accidents everyday) what is going to happen? is the the one at fault's insurance company going to pay for the value of the car? since i pay comprehensive coverage? and is the value of the car based on pre-crash value or post cash value? what if i was to hit somebody's rear end? and is my insurance rate going to go up if i was rear ended""

Whats high mileage for an Infiniti G35?

I'm considering purchasing an infiniti g35. I'm looking at the 2004 and 2005 g35's and the ones in my price range typically range from 60-70k miles. Is this high mileage for an infiniti? How long do these cars last on average? Also I'm 20 years old; would this car have high insurance costs? Thank you!

Will a speeding ticket from a different state affect my insurance?

Will a speeding ticket I got in California raise my insurance for my current state of residence?

Which car insurance is the cheapest and the best of all?

I know there are alot of car insurance out there and I want to know which one is cheap and reliable. I heard Geico is good, can someone confirm it, are there any other good one besides Geico?""

2009 honda and liability insurance?

hi there, I'm 22 years old and currently pay 116 bucks a month for a 959 deductible and I think it sucks. Is it possible for me to get liability insurance on this car I've had for 2 years??""

Is women getting cheaper car insurance on the basis of their gender illegal?

Is women getting cheaper car insurance on the basis of their gender illegal?

Where should I look for health insurance for my mom?

My mom is 55 years old and lives in another state as me. I currently work and live in Pennsylvania at a great company that provides health insurance, dental, vision, etc. I cannot add her to my policy, as much as I would like to so I would like to try and find a policy for her. My dad works for a company that provides health insurance, however the cost of health insurance to him and my mother (who live together and are married) is extremely high. Currently, they are seeking alternatives so that my dad is covered under insurance through his company and my mom can get coverage through a third party company at a lower rate. The rate they are asking my father to pay to have both of them on the coverage policy is insanely high. I pay about $55 a month for health insurance and they are at least quadruple that. I'm looking for suggestions for a reliable and trusted company (Aetna, Anthem, etc.) that would provide individual health insurance at an affordable rate, if anyone knows of anything.""

""I heard that car insurance is cheaper if i include my spouse, why ?""

i would imagine car insurance would cost more then there are more people using a car, not the other way around""

Who provides cheap car insurance for young people?

I am 19 (nearly 20) and live in Leeds. I have a 2002 1.6 ford focus valued around 4000.00. My insurance at the mo is with Quinn and only 3rd party fire and theft and is 85.00 per month. I have 2 years no claims and want fully comp. Anyone got any idea's where I can get it cheaper? The price comparison sites aren't helping that much, any ideas?""

How will a $135 speeding ticket show up on my car insurance?

Will the insurance notice show how fast I was going/how much I had to pay for the ticket?

Why should we be forced to buy health insurance?

I'm referring to the new health insurance law, in case you didn't catch that.""

Insurance for a 17 year old on a Ford Fiesta 1.4 Zetec Petrol?

Hi, I'm currently 16 years old and my birthday is coming up in late May. I'm thinking of buying a car and I'm trying to keep costs to a minimum. As I can't get a quote on any insurance companies yet. I'd like to just know roughly how much I would have to pay on insurance for a Ford Fiesta 1.4L Petrol Zetec, it has an 06 reg plate, 3 doors and 49k on the clock. thanks.""

Which one is the cheapest auto insurance?

I have two vehicles I want full coverage insurance where can i get cheapest insurance?

Could someone recommend some very good life insurance companies?

I want to get dependable life insurance at affordable rates.

What is the point of a health insurance plan if you never met your deductible?

I am 22 and applying for my first health insurance. I do not need much medical services, and want a low affordable premium. However, when I look at sites such as Blue Cross, it seems that low premiums go with high deductibles. I don't think I would ever meet the yearly deductible, and thus, cannot get any health services covered. So what is the point of such a plan? Thanks.""

""In California, how can you find out if someone has homeownners insurance, and who there carrier is?""

In California, how can you find out if someone has homeownners insurance, and who there carrier is?""

How much would insurance cost?

Im 16, and getting a 49 - 50 cc moped, i wanted to know how much the insurance would cost? it would be kept at a secure garage. Just give me a rough idea please, just an estimate?""

Whats the average price for a new rider's insurance in Canada?

In Ontario

Affordable health insurance?

Whats a good site for getting lots of quotes at once? thanks

missouri insurance associates jefferson city mo

missouri insurance associates jefferson city mo

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

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

Anyone know about life/disability insurance?

I'm doing a project for school and it wants to know What ALL life insurance covers and What ALL disability insurance covers but im confused. Is there a certain thing that every life insurance covers and a certain thing every disability insurance covers? If you could help, id appreciate it. Thanks :D""

Help with insurance policies?

Does anyone know websites with insurance policies for events? I'm holding an event and I can't seem to find any proper policies anywhere. It's more of a sporty type event.

How much will my auto insurance premium decrease when...?

I turn 25 in a year, which I heard is when my auto insurance will go down a good bit. My wife will be 22, and we are on the same policy (We only drive our own cars). We both have clean driving records, good credit, and consistently held auto insurance since we were of driving age. She has minimum coverage on her car, and I have comp/collision with $1000 deductible. Our premium is $755/six months. So, when I turn 25, how much of a decrease in premium should we expect to see?""

What is the cheapest auto insurance for a new driver?

I'm 23, female, and a new driver. I don't care about the quality of the insurance, I just need CHEAP, CHEAP, CHEAP. A potential job depends on a car I'm about to get, and I need cheap insurance ASAP.""

How much would getting a cast cost me in the US with and without insurance?

I'm a US citizen studying in Canada. Sunday, I fractured my wrist playing football. I saw a sports medicine doctor on Monday, who sent me for x-rays and informed me I had a fracture. He told me to go to the hospital to get a proper cast. The fracture clinic there had closed for the day so I went to the ER, where they wrapped me up and took another x-ray. I saw an orthopedic specialist this morning who set my fracture (ideally I should have come in immediately after the incident and had it set then), after which they took another set of x-rays to check if the setting worked. The prognosis is good. I didn't pay a cent in all this, as I'm covered under the University Health Insurance Plan, which all international students in Ontario get, as the Ontario Health Insurance Plan only covers residents, anything under OHIP is covered with UHIP. I'm curious, what would the cost have been had this happened in the US, with and without insurance? Thank You""

Can my car insurance start the following month?

My car insurance renewal is up this friday, however i am off on holiday for a month, so will not be driving my car. Can my insurance start in February instead?""

How do I find Insurance coverage for preexisting conditions in California?

Our March Cobra payment was sent in too late so the coverage was cancelled. I applied on-line for coverage with Blue Shield of California and was denied due to preexisting conditions. Now I have no coverage. I understand I may have a 6 mo. to 1 yr. period where the insurance wont cover any preexisting conditions once Im on a plan, but how do I find a plan that will accept me?""

""If a person is caught driving an uninsured car, when they finally do get insurance, will it cost more?

I'm trrying to explain to my friend why it isn't worth it for him to drive an uninsured car. I'd like to know if insurance rates are higher if a person has been caught driving an uninsured car.

Car insurances for a day help?

I just need to drive my car to my new apartment.Right now i don't have car insurances. Is there any way i can get car insurances just for a day. I live in new jersey. I know i can get a car insurances quote but i don't have enough money right now I just need to move it

What is the average cost to own a car in the UK?

If you went for the cheapest car for Insurance, gas mileage, ETC. What is the average cost a month to own a car in England?""

How do I get insurance help for pregnant women?

I was on vacation in Hongkong when i learned im 3 months pregnant, now im back in California and already in my 26th week. How do I get help applying for government programs (i dont have medical insurance) like AIM, since my husband's income is a little over for Medical.""

How much is Progressive Auto Insurance for a 16 year old?

I turned 16 october 2 and I was wondering how much it is for me? My family has like the lowest one which is the liability. How much is it for me about? I havent got a car yet, but I have the money I just have to pick one out. It will probably wont be any younger than like 08. Also can I get my license with out have to pay insurance right away? I dont want to drive yet (I dont like driving). I am also a female.""

How much do footballers pay for car insurance?

just wondered cos Wayne Rooney Keeps spinning and having prangs, given his age, and the value of cars involved how much does he have to pay in premiums? I'm in no doubt he can afford it, but just wondered how much premiums would be.""

My auto insurance covers anybody who drives my car...is my teen covered? I cannot afford to list him....?

Me and my teen have a car. I have both cars listed on my insurance with full coverage. If he is not covered is there an insurance company that will cover a driver of his age without ...show more

Can I get motorcycle insurance without a license?

Can I get motorcycle insurance without a license?

How much is car insurance for male teenagers in australia?

i was wondering how much it actually is for a new male driver to get car insurance.....say it was for a v6 holden ute how much would it actually cost...i hear people saying its like ridiculous prices like $10000 a year n stuff like that ...like for full insurance thanks

Does being a cyclist affect health insurance rates? How so?

A cyclist might be more at risk to injury in accidents because they're on a bicycle instead of inside a car, but cyclists are probably generally healthier.""

What is a good life insurance company?

I have been looking into Garden State and Globe. Do any of you use them? Who do you use as your life insurance holder? I am going to look around Monday with local companies but I have been looking around online. It will be for myself, my husband, and your 1 year old daughter(only a small one in case something happened and it would be for burial).""

How would limiting expenses in the health care sector assist with making health care affordable?

and increase accessibility to care, while reducing the need for insurance?""

How much did your car insurance rate increase when your 16 year old began driving?

he amount my insurance went up may have nothing to do with your insurance increase. There are way, way too many variables""

How much should my car insurance cost?

I am a 17 year old male and my dad bought me a 2007 Nissan Altima. He wants me to pay the insurance and I figured that it might be high...so I need estimates.

Has anyone here found any quality and affordable individual health insurance?

Has anyone here found any quality and affordable individual health insurance?

Can I use my car that is under my dads car insurance?

Since i'm a new driver and 18 years old. My insurance rate will be up and can be very expensive. Can my dad just put his name and stuff on my soon to be new car? (Subaru BRZ) after all he is paying for it so technically it's his I guess lol

Why quotes from Insurance advisers and comparison sites are significantly different in price?

I've contacted two advisers regarding life insurance and critical illness cover. Both of them suggest difference insurers and their price is significantly different than the comparison sites. Do they get commission from insurers companies depending on their suggestions?

missouri insurance associates jefferson city mo

missouri insurance associates jefferson city mo

How much is it to get painting and remodeling permit and insurance in seattle WA?

How much is it to get painting and remodeling permit and insurance in seattle WA?

Which one is the cheapest auto insurance?

I have two vehicles I want full coverage insurance where can i get cheapest insurance?

Is it possible as a british soldier to get american car insurance while posted in germany?

Im posted in germany, serving as a british soldier. Is it possible to get american car insurance for my UK bought car?""

How much would auto insurance be per month for a young married couple (25 year olds)...?

...no wrecks, no moving violations, great credit... we have 2 cars (1 new that we're still paying for and 1 old that's paid off). I know I can get an online quote, but ...show more""

How do I choose the right car insurance?

I just bought my first car and I need to find a good and cheap car insurance.

Why are so many Americans losing their health insurance plans due to the Affordable Health Care Act/Obamacare?

Is there serious corruption in the health insurance industry? Would that have something to do with it? Why would so many health care professionals like doctors and dentists have problems with the Affordable Health Care Act/Obamacare? By the way, I'm keeping my employer based plan.They're not changing it, and, it's through my union.No one else in my store is changing theirs,either.""

Insurance for a teenager?

I just got my license but my parents dont want to put my name under insurance because they dont want their insurance price to go up. I recently heard from a friend that you can put your name under your parents insurance and say you're only using the car 10% of the time and they dont raise your insurance? Is this true? If not, what can i do to not increase the insurance price for my parents. I really want to drive their car.""

""Out of a mini one, mini cooper, fiat 500 and Rav-4 ?

Ok so this is my first car and these are all the cars I like and can get. So could someone plz tell me which is cheaper insurance for a 17 yr old girl and which is cheaper on petrol? Thank you xox

How much does accutane cost without insurance?

Im planning on possibly going on accutane by january if my skin doesnt clear up.... i will buy the cheapest generic accutane i can find, But how much will it cost for bloodwork, dermatologist visits, the pills, etc...etc... i herd it could be pricy but personally i dont care i just want to get rid of this 5 year long acne.....""

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

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

When buying life insurance what is the best affordable option?

I am 37 with 2 kids I currently have term life on me for 250,000.00 and 100,000.00 on each of the kids. Now there are tons of different life insurances out here is one really better than the other? I currently have it thru met life does it really matter?""

""Car insurance, change of profession?""

Hi All, I pay my car insurance in full every year. I am currently a Technologist - and this is what I specified when applying. I will be returning to full time education in September - so will be a full-time student rather than a technologist. I am fully comp. insured for social use. Do I have to let them know about my change in profession and will this affect how much I pay (even though I've already paid for year up to next April)? Any advice would be much appreciated.""

Health insurance system in USA?

Hello. I live in Japan. I am Japanese. Sorry for my bad English. I ask everyone. About Health insurance is. When I got sick,I show a health insurance card at a hospital. I pay medical costs of 30% in Japan. For example,medical costs is 10000yen,I pay 3000yen at a hospital. NO card,I must pay 10000yen(100%) How about health insurance system in USA?""

""Someone backed into me in a parking lot, is this insurance company lying?""

Foreigners backed into my car in the parking lot, they had insurance, I called the insurance company and they asked for an estimate on how much it would cost to fix it, I did, and they said okay and that they would mail it on Friday morning. It's now Monday and I haven't gotten it. They are in a state not far from us. Is this insurance company full of crap or do I just need to wait longer? Thanks :)""

Test drive a car? no insurance..?

I've found a car i wish to test drive. As it's my first car, I am currently not insured. How would i go about getting temporary insurance in order to drive this car for about 15-30 minutes? thanks.""

Does your car insurance rate go up if you get a seat belt ticket in illinois?

Does your car insurance rate go up if you get a seat belt ticket in illinois?

Will my car insurance cover this? and its no joke this seriously happened please answers!!!!?

ok i JUST got me a new car and i have insurance on it and everything and well i had some friends with me and they were in the back seat and they had a lighter and they decided to try and light their farts on fire and im being very serious here and well he got down and and farted on the flame of the lighter and it actually shot out and caught the back seat of my car on fire and burnt up part of the back seat and this really isnt a joke i didnt even know he was doing that and i walked over there right as he did it and sure enough it actually shot out and caught it on fire so will my insurance cover that? im to embarrassed to call and ask because they probably wont believe me!!!

Can I use my no claims discount for scooter insurance?

I am seriously considering dumping the car and using a scooter. I have full no claims discount on my car insurance, would I be able to use this on my scooter insurance? If not, would I loose that no claims I have built up i.e. if i go back to driving a car will I start again with zero no claims discount. This is a UK based question.""

Will my car insurance rate go up?

so yesterday, I rear end into someone car but damage at all. His car still look new and my car still remain the same. But he said he will go check up his car, if there are some damage inside. He will claim my insurance. Suppose he claim my insurance, how much will my car insurance rate go up?""

How much will my Car Insurance go up after first DUI?

I'm 20 years old and got a DUI. I am under my moms insurance plan and her plan has house and car insurance combined. I drive a 4 door SUV(slow) and have never gotten a point towards my license. She is covered through ALL STATE. How bad do you think this is going to be?

""DO MEMBERS OF CONGRESS HAVE TO GET THE NEW HEALTH INSURANCE? IF NO, THEN WHY NOT?

I have read on comments under articles on Yahoo and someone said they are required to get the same health insurance but i can not find this on any news article.

How much will Car insurance cost me??? PLEASE HELP!?

I am a 20 year old female. I didn't complete high school, but I will get my GED and go to school next fall. I'm getting a car this Feb when taxes come back and I'm buying no more then a good decent $3000 car. I have a child too so I heard that helps bring the insurance down a little. Because the car will be under my name, & I am the ONLY driver in this house hold so there will be only 1 person on the insurance, how much do u think I could be paying a month??? Any guess for wage? I want full coverage but if its more then 300 a month i will go half. I've had my permit to since I was 17, no accidents. Please help.""

Young drivers car insurance!!?

I am 17 at the moment but planning on getting the insurance when i turned 18 at the end of this month to make it that bit cheaper, I already own a Renault Clio (1.2L, 16v, 02 plate). The cheapest quote ive got is 4,000 (300 a month) and that's with co-ops new fit smartbox for young drivers, and i also have my dad as an additional driver and my mum on it with her provisional licence and I really just cant afford that price, any ideas on what i could possibly do?""

Who knows the best Health Insurance out there for individuals. Plan and pricing must be affordable. Thanks.?

It must come with an appropriate and flexible plan, with affordable pricing for a college student.""

What car is cheap for insurance?

I'm 17 year old im looking for a car I have got to the point of I want anything thats ok but insurance is killing me so I came up with a few cars let me know if it's good on insurance . 89 Silvia s13k ,98 gto twin turbo ,98 pointac grand prix and if you have any cars that you suggest or insurance plains that I should look into let me know.""

missouri insurance associates jefferson city mo

missouri insurance associates jefferson city mo

How much per month would insurance be at 18y.o.?

I'll be in the military soon, so I'll need a car and transportation (in the instance that I'm not shipped to the sandbox). I've tried looking up quotes on progessive and a few other instant quote people online. But the confusing part is they all seem incredibly high. I put in the car as a 2010 mazda 3(which I hope to have), and age at 18, and all the other info. It had me at 800/mo with no collateral or collision coverage. What the f? I tried all different car combinations but they all were high or in the general extreme area. Can someone let me know what I'm doing wrong?""

""Why is Unitrin car insurance so cheap? Are they really a good, reliable insurance company?

I got a quote for about half of what I'm paying with another company with the same coverage.

My car was taken to the compound on friday in the uk when the driver was found to have no insurance.....?

However i have got insurance and so when i go to the station to have the form stamped so i can go to the compound and collect my car back, The police tell me i have to produce my licence as well...problem is i cant find it.. so i go to dvla internet site and order form to get a new licence....But this can take 3 weeks to come back and unfortunately the car gets crushed in 2 weeks, But the law says i can continue driving even tho i havent got my licence card ...because i do have a licence but its been lost and im waiting on my new one coming.A Please dont answer if you are only speculating on what you think you know i havent got time to read brain dead answers from all you dick eds on here. Nor do i want your personal opinion on the situation as it is a Question.. put on a Question Board wanting an answer...Not a message board asking for your opinion so use the board as it should be used and stick to the rules...answer the question ...if you cant ...then dont waste my time and yours""

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

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

What would be the best/cheapest place to get moped insurance through?

I live in Edmonton, Alberta and I just bought a little 50cc Honda Jazz to use to commute to work with. I can't seem to find online quotes so I was wondering if anyone had any ideas on a good place to go to for reasonably priced insurance for the moped. Also, would I have to pay for a whole year up front or could I pay month-to-month?""

On homeowners insurance .. What is the difference between Replacement cost and Acutal cash Value? what pays mo

What pays more and what is the least expensive?? please some one explain to me in detail.. Does my home need to be insured with the market value???

Car insurance lowering (LEGALLY!!!!)?

right, i best tell the whole story. im 17 in a few months, so my parents have given me 5,000 for a car and insurance, which i thought would be plenty for something decent. however, as i have to insure the car myself (no fronting), and even a group one pile of c**p costs over 3,000 to insure. i know i could take pass plus, but are there any other ways to lower the insane premiums legally? and are there any insurers who give a good price for new drivers? thanks for the help :)""

Can you buy a car without having to buy car insurance for it? ?

Well I'm 18 and just recently passed my test. I was just wondering if you could buy a car without buying the insurance. Some people have told me that you can buy a car but need car tax to keep it parked on the road whilst others say that you need car insurance to keep the car on public road :/? Which one is right?! Pluss I live in the UK

Why is Health insurance a must for your parents?

Health Insurance a must for your parents

Insurance for teenager?

I just need an in general Really what I need is a website where I might be able to fill out some information to get an average of what my insurance might be. I will get my license soon. I have a high GPA around 3.5 and will be driving a dodge spirit in ohio. Anyone have any idea around what my insurance would be?

Am looking for perscription insurance for my low income mom (86)?

She is on med eye drops, her regence ins. costs her $116. and yet she has to pay $110 for the drops. She has about the lowest ss u can get due to being born in the year 1921. Not sure ...show more""

How to get insurance for a soccer league?

im doing my own adult soccer league in hemet california and i have a lot of things ready the only thing that i need its to get insurance for the league but i do not know how to get it. the people who will rent the field to me wants me to have an insirance for the league and if i do not get it i will not be able to start my league.. help please

Why do auto insurance company ask for social security number when asking for a quote?

must i give my social security number if i were to purchase a auto policy?

Differences in car insurance quotes?

Out of curiosity I went on a comparison website for car insurance. I compared the insurance of a: 200 ford fiesta 1998reg 5000 mini cooper S 2005reg 19500 mini cooper S 2012reg The quotes that i received were all around the same price!! about 2200. how does this work out? how can a 200 fiesta come to the same price as a 19500 mini cooper S? not to mention that the cooper S would be 10x more powerful than the little fiesta. im 22 years old and male, with no driving experience at all. im just curious as to how these quotes are calculated.""

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

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

Older cars and Insurance..?

Im young..I don't know too much about cars yet. I was wondering, do older cars typically cost less to insure??? I know it sounds dumb but I really dont know. I had a 99 explorer, 91 sentra, 86 accord, and now I am probably getting a 74 Dart. I know insurance changes depending on your age and violations on your record..but it seems like older cars cost less than 'newer' cars. Will my Dart cost more since it is a classic? It is not restored yet, or sportin classic plates either. Does that change anything??? Is there a difference because of color, or model (ss, suv, convertible, truck, etc?) Let me know..""

Where can I buy non-owners liability insurance?

I want to purchase non-owners liability insurance, so I can use it when I rent cars. But I can't find any company to sell it to me, at least from the sites I've visited online. I live in Arlington, Virginia. One company said they don't sell liability insurance in this area. Any idea why this is? And, more importantly, any idea where I can go to purchase it?""

What if I can't afford health insurance? How is that Affordable Health Care ?

What if I can't afford health insurance? How is that Affordable Health Care ?

Need help with insurance?

ok im getting my first car and im 17...i live with my mom and step dad. my mom cant get a licence because she has seizures and my step dad cant get his back until next year. since im under eighteen can i get my own insurance or do i have to be put on someone elses and if not will it cost a lot since im a new driver and a teenager? please help!

How much will her insurance likely go up?

my grandma pays about 65/month for her car insurance, she is 59 today she didnt see my car and backed into the passenger side leaving a dent. I have full coverage for my car. she has liability on hers. I dont just not want to do anything. i want it fixed. but i dont know if i want to call my insurance company. cuz if i say it was her fault, which is was, idk how much her insurance will go up. if its ten dollars a month its no big deal i wouldnt think. but i dont want it to be a lot. if i say it is my fault, then i have a 500 dollar deductable and my insurance goes up. and i cant afford that. im 17. she also said she would try to pay for it to be fixed. but idk if it is cheaper for her to pay for it or for her insurance to go up.""

Where can I find professional liability policies for a surgeon?

This is for a finance project. If I need to pay fro professional liability insurance, on what website can I find this insurance. Will I have to pay for it by myself, or does the hospital/company I work for pay the insurance for me.""

""I crashed my car, and Got a DUI. Will my insurance pay for repairs?""

I crashed my car into a tree, and got an OWI (more commonly known as a DUI in most states) My insurance (USAA) will request a police report, i know that much. But I want to know if they are obligated to pay for repairs, regardless of the circumstances? Yes, i know my rates are going up. Yes, I know about SR22. \thanks""

Is car insurance cheaper for older vehicles?

Well i have a 2007 Nissan Altima and i pay $116.67/month, and i was wanting to by an older camper van to live in. Would my insurance be cheaper on the van?""

Cheap Life Insurance?

So I need a life insurance, and I don't know what term, universal, and whole life insurance is. I don't really have a budget, just under 300 dollars per year I guess. By the way I'm 13.""

2007 Cadillac Escalade Insurance Quote?

What would the Auto Insurance Price be on A 2007 Cadillac Escalade in 2013. A 17 Year old would be driving it? Liberty Mutual

missouri insurance associates jefferson city mo

missouri insurance associates jefferson city mo

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[optimisticpoetrypost-blog]

australian seniors travel insurance quote

"australian seniors travel insurance quote

australian seniors travel insurance quote

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

RELATED QUESTIONS: 

Car insurance?

how do i get cheap insurance for my son, he has only just passed his test couple of weeks ago. we stay in the UK.""

Do you need auto insurance to ride and motorcycle insurance to ride a motorcycle?

Ok i have a couple questions But first off all im 15 1/2 (all ready have motorcycle and car permit) 1) when i get my license do i have to buy auto insurance to have motorcycle insurance, Because my dad said to have your license and to ONLY drive a motorcycle you need both insurances. (even if i dont drive a car) 2) do i need to have motorcycle insurance to drive a motorcycle with a permit? (since you dont need car insurance for driving with a permit) Thank you!""

Insurance question please?

hi i am a learner and but my partner has a car that is insured on his friends name. my question is my partner states he cannot teach me how to drive or put my name under the insurance because it would cost more and he might get into trouble with the police . i just want to know if this is true and if so like how much would it cost.

How much does car insurance cost for a 19 year old girl?

Living in South Jersey. 2 years with a license. No accidents/ tickets. GPA 3.0+. Good credit score. For a used car newer than 2003. I just need a rough estimate. I don't want some insurance agent to call me for an quote or get random e-mails from insurance companies, right now before I buy a car.""

Who has the best insurance price that you know of and has decent people to deal with if you get in an accident

I'm to lazy to deal with hundreds of quoets and companies sending me spam.I had Allstate but they were terrible when I got rear ended and pretty much did nothing to help and I was paying them $230.00 a month!

Should I cancel my life insurance?

I am late 30s, single, no children,not going to have children. I have home equity to cover any outstanding bills. I got the policy as a life/retirement/disability policy combo. I became disabled. I am still paying $100/for the life insurance. Metlife guaranteed cash value $2100 reduced paid up insurance $12500 if I cancel now do I get the cash value? what is reduced paid up insurance mean? i want an opinion from someone other than metlife before I contact them. the life insurance value is 110k if i keep the insurance it looks like I get back my investment plus $5000 when I am 65 if I live to 98, i get the full life insurance amount. The disability policy is only 5 years. I am currently 10,000 in debt as a result of months without income until I got SSDI and metlife disability..and having to pay a lot of credit card interest--just to stay in my 3 room run down apartment... I can put that $2100 toward the debt and pay less interest....and also stop paying the $100/month premium and put that toward the debt too...that's another $1200/year.. is this how it works...if i cancel do I get the $2100 now... or is it better to stick with the insurance....""

2009 honda and liability insurance?

hi there, I'm 22 years old and currently pay 116 bucks a month for a 959 deductible and I think it sucks. Is it possible for me to get liability insurance on this car I've had for 2 years??""

How much will insurance be for the smart car that will be released in 2008 in the usa?

will there be a big from the other cars?

What kind of car insurance do I need if I want to be the main driver of my parent's car away from home?

My parents own a car that they're letting me use for school. I live in southern California, but I attend school in Northern California. I'll be bringing the car up for normal use during the school year, and it will be garaged there except during summer. Do I need to buy my own car insurance, or will it work out if I just get added to my parent's insurance?""

How can i have a free car insurance for 1 day?

i want to buy a car from auction it has bot MOT & TAX. How can I insure it for 1 day to jut to drive 300 miles back home and then search for a good insurance quote? I am insured to drive another car as a named driver. Thanks

Is liability insurance the same as renters insurance?

Is liability insurance the same as renters insurance?

Can you approximate how much car payments would be on a 2011 mustang gt convertible?

It is a mustang gt 2011 convertible , how much would car payments be with decent to good credit , also insurance payments? - thanks(:""

Which one is the cheapest auto insurance?

I have two vehicles I want full coverage insurance where can i get cheapest insurance?

Best car insurance in NYC?

i live in NYC, BX and its' really crazy how much money they are charging me for car insurance. about 3000 for 6 months...:-( cause i have never owned a car...i am 35 now and still it's not going down...:-( any suggestions? and please don't say walk! :-)""

Any suggestions for a first car that's affordable and safe for a 16 year old?

I'm 16 years old and much in need of a car... as you can imagine money is sort of an issue. I need a car around or under $3,000 that works and will get me from place to place. A car that looks decent is a plus too. If anyone has an idea of how much insurance would cost monthly for a car around that price with a student grade discount also, please tell me. Any ideas on a car or a way to save up some more money so i can get something above 3,000? Don't be smart @sses and tell me to get a job because I'm really busy with school and sports...thanks""

How does replacement cost insurance work?

I have a 25 yr old harley davidson, and the insurance says full coverage will pay what the county values it at on your tag fee. (like, 800$) I also have a 67 chevy van that is valued at 300$ by the county. Obviously, full coverage is not intended to cover antique vehicles, as the annual premiums are far more than they want to give you should something happen. So what kind of insurance do you need to make you whole again? or, pay the true worth of your vehicles should you be hit by someone or your vehicle stolen?""

Help European health insurance card?

my health insurance card has expired and i fly tomorrow? is this card important? if i get ill will they still treat me? and will my insurance company cover me still?

How much would insurance be?

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

How will the affordable health care act help me? i dont want to buy health insurance. i havent been to a?

doctor in years and i have a substantial amount of money saved up in case of an emergency.

In California can my car insurance company raise my rates based on my new zip code?

I moved to another city within South Orange County, CA, and Allstate raised my rate because of my new zip code. I thought there was a new CA law insurance companies can no longer do that.""

Health insurance question?

Is there any way I can get health insurance? I have no money and no job. I recently had to quit my recent job due to moving. I'm 19 years old and have a disc herniation that I'm trying to get checked out. Parents don't have money and will not take me not their fault, healthcare as I know is expensive. Ill have a job by the end of November is there anyway I could somehow get insurance through a loan or something similar? Probably a dumb question but it don't hurt to ask.""

Why do people ask yahoo answers about car insurance quotes.?

When its so much quicker, easier and obviously more accurate to either call insurance company or do an online quote.""

Has anyone ever had short term car insurance ?

how much is it ? i work alot in the summer so i only need a car for a month please help am new to this.

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

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

What is the cheapest car to insure for first-time drivers?

I passed my test last November, and am looking to get a new car. However, every single car from Ford Fiestas and Vauxhall Corsas to Renault Clios and Citroen Saxos have come back for somewhere between 2500-3000, even some ridiculous quotes maxing 5000. I'd even settle for somewhere in the region of 1000-1500, and before you tell me, I know how expensive car insurance is... believe me. I'm 20 years of age and passed my test first time back in November if it makes any difference.""

australian seniors travel insurance quote

australian seniors travel insurance quote

How much is comprehensive insurance for a Kawasaki ninja 250r?

I'm 20, never had a crash nor any fines, am on my graded license (just off l's) have done rider safety courses and have a 2008 Kawasaki ninja 250r and live in queensland (australia). i just want to get a general idea of the cost""

""NY plates & registration, but Connecticut Insurance?""

My car has NY plates and was registered in NY. I moved to CT, and have CT auto insurance. Is it okay to have auto insurance in the state you live but the car is registered and plated in another?""

Is it best to cancel your car insurance or have the company cancel you out?

i paid for car insurance for 6 months and now i fould cheaper insurance. should i cancel my insurance or have them cancel it for me. which will cost me more money

Does Aetna medical insurance cover fertility procedures?

Does Aetna medical insurance cover fertility procedures?

What probably are the causes for increasing health insurance rates?

Is it due to inflation, lowering standards of medical care, insufficient government control, deteriorating human health, environmental degradation or other factors?""

Do car insurance companies know if I currently have insurance?

So my insurance lapse a couple months ago without me knowing it (stupid auto pay) and now currently looking at other insurance companies, but my question is would they know if my insurance through another company lapse at all? If not, then I'll just say I'm still with them and get the cheaper rate like I was getting.""

AUTO INSURANCE- DO I REALLY NEED IT TO DRIVE OR PURCHASE MY OWN CAR?

I'm planning on getting myself a new car- a 2012 Dodge Challenger RT model. I'm on a tight budget and I only have enough money for a down payment and monthly payments on the Challenger, (if I decide to purchase it). My problem is I don't have enough money for auto insurance and I am not joining with anyone in my family to be placed on auto insurance. I want auto insurance for myself and signed to my name only. Since I do not enough money for auto insurance, can I still get a car without auto insurance? And can I still drive the Dodge Challenger without auto insurance if I decide to purchase the car? Can someone answer this for me? Thank you! I really appreciate it.""

Car Insurance and Tornadoes?

Just curious since I live in the heart of tornado alley in Southern Kansas... Say if my car was at home or at a store or other place of business and a tornado destroyed or damaged my car, will my insurance cover the damage? Full coverage.""

What is the car insurance system in UK? How much and what else?

Let's say I bought a car with insurance group 20 what do I have to pay per year. I know for the 1 st year I need to pay 1000 and then half of it for the later years. Except that what taxes and all do I have to pay? How much is it gonna cost to afford a car with all the legal issues?

2008 Toyota Camry Insurance?

I much am I looking to pay for insurance on a 2008 Toyota Camry. I am 18 years old with a clean driving history.

How much do you pay for basic liability auto insurance?

I'm only interested in liability insurance. Please list your state and monthly payment.

""I'm 17, is there any way I can get my own car insurance?""

I live in Sacramento, California. The reason i'm asking if i can get my own car insurance is because my mom is afraid if she puts me on her insurance & I get into an accident, she can lose her house. So her putting me on her insurance is out of the question.. Someone please help me find a car insurance company that will cover me?? Thank you""

What car insurance do you use and how much?

I need new car insurance.. what do you use and how much do you spend per month?

Cost of C-section in NJ?

Does anyone know what the average cost of a c-section is in NJ? We have no insurance and our baby won't either. We are trying to prepare for it but the hospital won't even give us a ballpark estimate.

Insurance didn't report?

My sister couldn't afford to pay her car insurance. Her insurances company never reported to the DMV that it was canceled. why? She even got speeding tickets and i thought the police do a run when they pull you over. how is this possible?

Single input multiple quote car insurance?

looking for multiple quotes on car insurance with single information input

What aspects of insuring a car make it cheaper?

I'm new to insuring a car, i haven't bought a car and i'm open to ideas. I know i'm looking for a small engine around 1.0 litre but what else helps to keep the insurance as low as possible? And i've heard Ford KA's are one of the cheapest cars to insure? Any help and advice you give me about what to look for and insurance would be very appreciated Thanks, Drew :)""

Why is our car insurance rate based on our credit score?

It doesn't seem fair to pay higher insurance because our credit is bad! What do you think?

Buying my first car - which one should I choose?

I am a 22-year-old female and I'm looking to buy my first car so I can commute to my new job about 25 miles away. I am looking for something: *cheap to run *cheap on insurance *cheap on road tax ****reliable**** *relatively cheap to fix if something goes wrong *second hand - no more than 5 years old *up to 4,000 *smallish/easy to park Any recommendations? I have absolutely no clue about cars so that's why I have resorted to Yahoo Questions! I am completely indifferent about the style/look of the car and I am a slow/sensible driver. I just need a little runaround to get me from A-B. Reliability is crucial to me because if I have to be left without a car for any period of time I will be unable to get to work. Any advice on the make and model of any cars I should consider would be much appreciated as I am visiting garages all week this week. Thanks!""

Farmers insurance song?

What's the song from that farmers insurance commercial were there doing the driving simulation with distractions?

About how much is basic auto insurance?

for a used 94 toyota camry in los angeles the main driver is 25 and has a good driving record.

What's the best type of health insurance for a pregnant woman?

Is it PPO, HMO, etc...""

Do any insurance companies for motorcycles....?

Do any insurance companies for motorcycles offer a month by month payment plan?

GuRLS CAR INSURANCE??

IN california, how much cheaper is girls insurance from guys? Also, If I have a C average for my grades, can I get a discount?""

Cost of car insurance in michigan with the full time driver being 18?

what is the cost of car insurance for 1 year in ichigan with the full time driver being 18? can you tell me where you found this?

australian seniors travel insurance quote

australian seniors travel insurance quote

Does anyone know any good cheap insurance companies to insure my car?

Does anyone know any good cheap insurance companies to insure my car?

Health and life insurance?

im needing to look into health and lfie insurance for myself, and was wondering where to start? What is everyone using? i need something reasonable and something where i dont get the run around with!! Any help appreciated!""

Best Insurance policy for children?

Pls help me in selecting the best insurance policy for children. Should I go with LIC or private insurances like HDFC Life, Aviva, Max Newyork ?? Is unit linked policy reliable ?""

Why is my car insurance so high?! Im 18 yr old female...! :(?

no accidenets, good student, 2003 jetta GLS 1.8 Turbo...10/20 bodily injury...compr and coll both $500 deductible.... I'm paying about 284 right now and its ridiculous :(""

Is it true that in America there are people who get jobs they may hate simply for affordable health insurance?

I am planning on emigrating to the United States within the next three years if I can get a visa for educators or an actual Green card. The thing is that people on this forum have been telling me that health insurance comes primarily from your employer in the States, and that if you have a pre-existing condition, you may end up not able to change to the job you want as you might not be able to get coverage or, if you do get covered, be charged more than your salary. Is this correct? Someone a few weeks ago was writing about how she was angry because she has Crohn's Disease and works a part-time job with full benefits in kind (insurance) and her husband teaches five adult education classes at a community college and a state university without benefits. She said that they have no kids (no intention of having any), but she was extremely cross with her husband as he loves teaching and doesn't want to leave it for a full-time office job with benefits even though he is putting aside $1,500 per month for any possible emergencies. Is it really like that in the States. I love America, love its literature, its people, its values and so many other things, but this sounds like a big deterrent if one doesn't have total job mobility. Would a husband end up quitting a job he loves doing and taking on something he might not like simply because the less appealing job offers affordable health insurance for someone with a pre-existing condition.""

How much would the nissan altima coupe's insurance cost per year?

Prescott Valley, AZ""

What do you recommend for cheap car insurance for me?

Can someone recommend a cheap insurance company please! Many thanks

Easy ways to save extra money on car insurance?

i am looking at buying a evo ix (for those who don't know, it is the quickest car under 50K) and i am just wondering how to save some money on car insurance. should i be listed as a part-time driver with a parent, as i am only 20 yrs old. ????""

How much is insurance on a 05-06 chrysler 300c?

I plan to pay cash for it (around $8,000) and since I will only be 17, it will still be under my parents name although I am paying for it. Should I go with liability or full coverage, and how much would each cost?""

Why did my health insurance raise 85%?

I work for a school and our healthcare company, Cigna, raised the rates from $20 a month last year, to $130 a month this year! And a family plan through Cigna (which I had hoped to use one day) will cost more than $700 a month!! What?? The best part is, the insurance covers less than last year and has higher copays for everything ($150 for an urgent care visit as opposed to $50 previously). Can anybody explain why this is happening? I'm all for healthcare reform... Companies shouldn't be able to take advantage of hard working citizens, those less fortunate should have access to affordable healthcare, etc. But why this EXTREME hike in price for me? Please keep you anti-Affordable Health Care comments to yourself. I'm looking for a real reason why I'm seeing this huge hike. It seems like it will be cheaper if I sign up for healthcare on Healthcare.gov at this point...Pretty absurd.""

""If you finance a car in nh, can i cancel my car insurance?

Someone told me you don't have to have insurance. I don't want to pay for something if i don't have to. But i don't want to not pay and lose my car.

""Are you 21 or younger, primary on car insurance, and been driving five years, is your insurance $100 or less?""

If you're not on your parents policy, have your own car, and been driving at least five years, how much do you pay for car insurance each month?""

Car insurance question?

My car got hit... the bumper is almost falling off. It is not my fault and the other person's insurance is covering it and they are sending me a check to cover the cost of it being fixed. Here's the thing... my car is a POS. I doubt it's even worth $1000. Do I have to get my car fixed with the money? Or can I use it how I want (such to help get a new car with)? I know the ethical thing to do would be to get it fixed, but it may actually be totaled (still drivable but the cost of getting it fixed may be more than it's worth). I was thinking about telling the insurance company, but I don't want to risk losing the $ to get it fixed... I've heard of other people getting in accidents, then getting the check and just not getting the car fixed. Anyone know?""

Would insurance cover it if i get my teeth bonded?

my teeth are chipped pretty badly, and it's causing me a lot of discomfort. i've had them sanded before to smooth the chipping, but they're already little. would insurance cover this? (united healthcare)""

Do you have life insurance?

Ok we have been married for 10 years with 2 small boys. My husband works, I don't. I think he needs disability insurance and life insurance just in case something happens to him. And maybe even life insurance on me and the boys to cover at least funeral costs.. He thinks it's a big waste of money but I think we should. Also, my sister asked me if I would take her boys if something happen to her and brother-n-law. I said of course!! She told me that I would then get XX amt. of money from her life insurance... She also stated it's in their will!! OMG do I need a will too. What do I need in this will. I don't want my kids in foster care so I should name some people who would care for our boys..""

I got a speeding ticket and the car has insurance but i do not.?

I got a speeding ticket in California. I was doing 65 in a 50 zone and was wondering how much the ticket would cost. Also, the car i drove has insurance under my sister and mom's name but i do not have insurance, but he did not write me up for not having insurance. How does this work? Will my license be suspended and will i have to pay another fine?""

Who took over an insurance company?

who now administers insurance policies previously administered by american health and life insurance company of new york

Choosing a Family Health Insurance?

Hello, What is the suggested Health Insurance for entire family (Ex: 2 adult and 1 kid or 2 kids) among the nationalized providers (National Insurance; Oriental Insurance; New India Assurance; United India Insurance)? Thank You.""

How much is a dismissal fee for no proof of insurance in California?

I have insurance and I will provide proof but I'm wondering how much will I have to pay for the dismissal fee?

How to reduce payments for young car driver insurance ?

how to minimize it ?

Have insurance but no maternity insurance?

We signed up for health insurance almost two years ago and was told that I would have maternity insurance after a 24 month waiting period so my husband and I were planning on trying for a baby in a few months, when I called today to check I was told that I do not have that coverage, that I would have to reapply for a different plan and then would have maternity coverage after another 24 month waiting period! I'm not sure what to do, we've already waited two years, I'm upset to learn that I'd have to wait ANOTHER two years. What do I do? (I live in Missouri)""

Where can I buy cheap auto insurance or temporary auto insurance in the United States?

I know u can do it in the UK...but can't find any insurance agency in the US to do it.

""Car insurance question, does adding someone to a policy for a car you own cost more? so 2 people for 1 car.?""

Okay, young and stupid here with car insurance I am moving to fla, from louisiana. I have a car,and my girlfriend does not have a car. At this point, she refuses to drive the car because of insurance issues if something happened. So, to the question! Will it cost me more money to add my girlfriend's name to my insurance policy, so she can drive the car if I do not need it? Basically, im just adding someones name to the policy for 1 car.""

How much per month would insurance be at 18y.o.?

I'll be in the military soon, so I'll need a car and transportation (in the instance that I'm not shipped to the sandbox). I've tried looking up quotes on progessive and a few other instant quote people online. But the confusing part is they all seem incredibly high. I put in the car as a 2010 mazda 3(which I hope to have), and age at 18, and all the other info. It had me at 800/mo with no collateral or collision coverage. What the f? I tried all different car combinations but they all were high or in the general extreme area. Can someone let me know what I'm doing wrong?""

Can I get car insurance at 15 years old?

I am 15 & bought a classic car with my dad. Can I insure it in my name and build up two years no claims bonus while we restore it?

australian seniors travel insurance quote

australian seniors travel insurance quote

Insurance on g35 coupe?

I'm looking at buying an infiniti G35 coupe (don't want the sedan) couple years older though maybe an 03 or 04. I'm just wondering how much insurance is going to be roughly? I'm in the process of getting some quotes, but just some insight and second opinions would be nice. Anything specific I can do to keep insurance lower? I'm currently driving an 05 mazda 3 and I'm 20 years old with clean driving record. I know there is alot to factor in such as where I live and how much it is going to be driven, but if right off the bat if insurance is going to be killer than I won't even bother. any input is welcome, thanks in advance!""

Which is the best Health Insurance and Car insurance in NYC? if you know the answer to each or any let me know

Thanks.... Car insurance i am looking for the cheapest as far as health insurance i am considering HIP PRime but not sure if its good.. if you know about hip let me know if thats a good choice.. only reason why i might choose that is because there are no copay and no deductibles :) FREE lol but i want to make sure its a good choice... besides the obviouse.. take care and i am thanking you in advance for your advise

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Cooperative young drivers insurance car modification?

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I have a question about health insurance?

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I have $100 deductible for vandalism, and other stuff. $500 deductible for collision. Of course, I will take car to insurance and show them the damage. But what should I expect? This is nice car, and shield needs to be replaced. '04 Corvette Convertible. If you know, will my insurance rate go up if I file this claim to replace this heat shield?""

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How much is the fine for no insurance in texas?

police set up a routine check up on a one way street and everything was good seat belt, DL, inspection sticker but the cop forgot to ask me for the insurance so he sent someone else to chek my insurance and thats when they got me""

Can you have a 'black mark' against you for car insurance?

I'm 20 years old, and because of the stupidly hiked insurance prices I got into riding motorbikes as a way of getting around. I now commute around 20,000 miles a year and the weather is really getting to me. I love riding but forced riding is different. Last year I was insured on a cbr 600 (2000 model) for 1200 a year TPFT, and this year part ex'd it for a Suzuki Bandit (2008) which is around 700 a year. Both bikes are 0 no claims as I've never kept a bike long enough to accumulate any. Now I understand cars are bigger and cause more damage etc, but bikes are quick, really quick, but how can insurers justify the stupidly high priced insurance for me on a car? Minimum 2500 a year!? My brother has a ford fiesta, an old old G red model, hes 2 years younger than me, and has always wanted to drive so he's spent ages saving and working towards getting a car. Come his insurace quote, and they're asking for 1200 a year TPFT. The EXACT same details, address etc, just with my name, age, and job (electronics technician) I'm looking at around 3000 a year, same company, no change. Its really getting to me now. I have to convictions, no speeding penalties, nothing. I've lead life so far getting involved in zero trouble, I do things by the book. So I'm beginning to wonder what's up. My insurance prices are always double or more that of my families and friends cars, and coming up to winter, I really don't want to risk loosing my job a second year running because its too dangerous to venture out in the snow by bike (hourly paid, high staff turnover.) I'd really appreciate any tips or advice anyone has, I've tried independent companies (phoning or internet), comparison websites, I've tried many many different models of cars, from boy racer cars, to a Diahatsu, I've gone through the ABI database looking at the exact insurance group for a car and then trying it. I've exhausted almost every option I can think of. I really really want to drive a car.""

What's the best car insurance to go through?

I'm getting a car soon would like to know the best and the cheapest kind of insurance to get.

Need condo insurance in Florida?

Hi, can anyone point me to any web sites or insurance agents in Florida that are still writing insurance for condos? Thanks!""

Car insurance question?

How do the authorities find out that you have no insurance on your car? I know that if you are pulled over or whatever you can be asked to prove you are insured to drive the car and all, that much is obvious. Thing is, I called up to cancel my insurance on a car which isnt working and Im waiting on being scrapped. The insurance company said that its illegal for the car to be on the road without being insured, regardless of wheither or not its being used. As it turns out I am gona have to keep theinsurance for a few extra days until the car is uplifted, but it got me thinking. If Im not using the car then theres no chance Id be pulled over, so is there any actual way that anyone would find out a car in that position wasnt insured? Other than something like tha handbrake slipping and it rolling into the parked car in front or something. Cheers!""

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i live in UK, London. im guessing something small would be cheap like a vauxhall corsa, but are ther any other alternatives because everyone i know who passed has a corsa. i want to be unique...kinda. also what price would i be looking at? anything under 500?""

Average cost for Motorbike insurance?

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ex. I got a dui almost 5 years ago, will an insurance company look at my record from the past 5 years or longer? How many years from your dui do they hold it against you?""

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I live in California and i recently got my drivers license. I am 17 and still in high school. My dad says i can't drive because i'm not insured even though the car i'm gonna be driving is insured. If i crash what would happen? My friends tell me that only the car needs insurance for me to drive. Who's right?

Car insurance for learner driver UK?

I am considering to buy a car before I pass my test. Without buying the car first I can't get a quote online. I understand insurance is not much differenet for a learner driver and someone that just passed their test. Anyone knows how much roughly insurance cost for a learner driver? Thinking of getting a 2002-2003 ford focus, and I am a female 27 years of age if that makes any difference.""

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Suggest a good insurance company?

I want to buy a insurance plan for my stock and machinery. Please suggess a good insurance company.

australian seniors travel insurance quote

australian seniors travel insurance quote

https://www.linkedin.com/pulse/delaware-medical-insurance-plans-austin-mckay/"

[charllieeldridge]

Cancun Airport Transportation: How To Get From Cancun to Playa del Carmen

The beach town of Playa del Carmen is one of the most popular places to visit in Mexico. Located in the region known as the Riviera Maya and right on the Caribbean, it’s home to plenty of white sandy beaches and turquoise waters. Thankfully it’s very easy to get from Cancun to Playa del Carmen, making this beachfront destination very accessible. 

The Cancun International Airport is a major hub, with tons of options for direct flights. You can fly directly here from all over North and South America and some places in Europe. It’s a super convenient place to travel to and also very close to Playa del Carmen, which is just 68 km (42 miles) down the road.

Best of all, Cancun airport transportation runs like a well-oiled machine. It’s very easy to get from the Cancun Airport to Playa del Carmen — and all of the resorts in between. 

I’ve made the trip from Cancun to Playa del Carmen a few times now and can speak from experience that it’s a breeze. Before you know it, you’ll be kicking back and relaxing with a margarita in your hand. As a matter of fact, you can even grab one of those as soon as you get out of the airport. Viva Mexico! 

In this detailed guide to Cancun airport transportation, I’ll go over all the best options to help you get down to Playa del Carmen so you can enjoy all that the town has to offer. From exploring nearby Mayan ruins, to chilling out at beach clubs, to snorkeling in cenotes, there are plenty of awesome things to do in Playa del Carmen once you get there.

Cancun Airport Transportation Info

You’ve just landed in Cancun and you’re headed to Playa del Carmen. What are the transport options? As it turns out, you’ve got quite a few choices for how to get from Cancun to Playa del Carmen. 

First of all, I should mention that the Cancun International Airport is actually south of Cancun proper. It’s located in between Cancun and Playa del Carmen, so you don’t even have to go to Cancun if it’s not on your itinerary. You can just head straight from the airport to Playa del Carmen, which usually takes around an hour.

Before we get into the details of each option, let me tell you what NOT to do.

Under no circumstances should you accept a ride from a random person in the arrivals hall. They are not legit taxi drivers and they will at the very least rip you off.

To be honest, I wouldn’t even bother with taxis at all. Sure, you can definitely get a taxi from Cancun to Playa del Carmen. It’s just really expensive and will most certainly involve some haggling. In my humble opinion, it’s best to just forget about taxis altogether for this trip.

Now that you know to avoid taxis, let’s get on with the guide.

Here are your best options on getting from Cancun to Playa del Carmen, including info on prices and times. 

Cancun to Playa del Carmen By Private Transfer

The first option on our list is a private transfer. This is the best for those who want to get from Cancun to Playa del Carmen as quickly, safely and comfortably as possible. 

The price of a private transfer depends on the type of vehicle and the number of people in your group.

The cheapest option is a Toyota Hiace van or a similar vehicle. For 1-3 people, the cost is $60 one way or $110 round trip. The price for 4-6 people is $70 one way, or $120 round trip, and for 7-9 people it costs $85 one way or $135 round trip.

As you can see, this is actually a great deal, especially if you have a big group. Buying a round trip private transfer with a group of 9 ends up costing even less than the local ADO bus! If you’re flying solo, it’s a pricey journey, but if you want to get to the beach ASAP, it’s still a good option. 

You also have the option of booking a luxury vehicle (Suburban or similar) for your private transfer. These fit 1-6 people and cost $99 one way or $175 round trip. For the same price, you could also get a 16-seat Sprinter van if you have a really big group.

If you really want to splash out on your trip from Cancun to Playa del Carmen, it’s even possible to book a limo. The Chrysler is $299 one way or $525 round trip and fits up to 11 people. The upgraded Suburban holds 14 and costs $375/$599. If you’re here for a special occasion, this may be the way to go!

SEE PRICES & DEALS FOR PRIVATE TRANSFER

I should note that these prices are only available when you book online in advance. To book your trip, click here to check out the various options I described above. 

When you factor in the cost of getting from the bus station in Playa del Carmen to your accommodation, a private transfer really is a great deal for a group. Even if it costs a little more, it’s worth a few bucks to not have to deal with those con artist cab drivers that hang around the bus station. 

Cancun To Playa del Carmen By Bus

The main company running this route is ADO, and they also travel to several other destinations in Mexico.

There are now four terminals in the Cancun airport. They only use Terminal 1 for charter flights, and most international travelers arrive at either Terminal 3 or the shiny new Terminal 4. You can catch the ADO bus headed to Playa del Carmen at all of them except for T1.

The ADO bus runs from Cancun to Playa del Carmen every 20-30 minutes from 8AM until around midnight. There are also two different buses in the middle of the night if you have a late arrival. You can check their website to find exact times here.

You can buy tickets for the ADO bus inside the airport right after you go through immigration and customs. They have a stand near where all the rental car companies and tour operators are set up. Alternatively, you can just get yourself out to the bus stop and grab a ticket from the stand there. 

A one-way ticket from Cancun to Playa del Carmen on the ADO bus costs 208 pesos (about $11) as of June 2019. You can pay in cash with either USD or pesos, but you won’t get a great exchange rate if paying in dollars. Most of the stands also accept cards unless their machine is down. 

There really is no need to buy a round-trip ticket for the bus trip. They run so many buses throughout the day that there’s really no concern you won’t be able to get on one. Plus, you might want to try one of the other options on your way back depending on the time of your flight.

The ADO buses are usually very punctual, but sometimes traffic causes delays. Unless you arrive in Cancun at 4AM, you should never have to wait too long for a bus. Both international terminals have a little bar near the bus station where you can sit down and grab a snack and a drink while you wait.

One thing to consider if you choose to take the bus is that you might also need transportation to your hotel from the bus station in Playa. The taxi drivers that wait outside the bus station there charge some ridiculous rates to tourists, so just be prepared. It’s honestly worth it to walk a few blocks and just hail a cab on the road unless you have a ton of luggage.

There’s a chance your accommodation might just be a short walk away from the bus station. There are plenty of excellent Playa del Carmen hotels that are located within a few blocks of the ADO station. Be sure to check the location of yours before choosing how you’ll get from Cancun to Playa del Carmen.

Cancun Airport to Playa del Carmen By Rental Car

If you like having your own wheels, there are plenty of rental car companies at the Cancun airport. Rental cars in Mexico are very affordable and allow you to be in control of your trip.

Renting a car is a great option for those who plan to take a lot of day trips from Playa del Carmen. Within a few hours of the city, you can visit ruins, cenotes, adventure parks, colonial towns, and so much more. Sitting around waiting on buses or haggling with cab drivers can take up a lot of time and effort. It’s so much easier to just jump in the car and go.

First of all, you’re probably wondering if it’s safe to drive in this part of Mexico. While it’s definitely true that there are some parts of Mexico you probably don’t want to be driving in, the Riviera Maya isn’t one of them. This area is very heavily policed and is generally a safe place to travel around.

As long as you stick to main roads and drive mostly during the day, you should be just fine driving here. Just make sure you always roll up the windows, lock the doors, and don’t leave valuables in plain sight when the car is parked. 

The drive from Cancun to Playa del Carmen is a straight shot down Highway 307 and is quite easy. Your accommodation in Playa del Carmen may include free parking, but if it doesn’t there are plenty of places to park in town.

Of course, you always have to worry about insurance, and in Goats On The Road’s experience, they had to pay a mandatory fee/insurance when they rented a car for a month in Manzanillo — which really added to the rental cost.

Some rentals include liability insurance but many of them don’t. You’ll need to be sure to read the fine print of the agreement to see what is and isn’t covered. If you decline the insurance, you’ll have to put a large hold on a credit card.

Whether or not you purchase additional insurance is up to you. Be sure to check your travel insurance policy and your credit cards to see what they covered. Some agents may try to intimidate you into adding on a costly plan that isn’t really necessary, so you’ll need to do your homework.

Whatever you decide to do with insurance, be sure you check the car carefully for any dents and scratches. Take pictures if you spot anything and be sure the company marks them down. The last thing you want is to be charged for something you didn’t even do.

Almost all rental cars in Mexico are automatic. They drive on the right side of the road here, so it’ll be familiar for those from the US and Canada. One thing that may shock you here is the driving style, as some seem to think they’re racecar drivers on the highway from Cancun to Playa del Carmen.

One thing to be aware of when driving in this part of Mexico is the gas scam. You don’t fill up your own tank here, but rather have workers at the gas station do it. Unfortunately, many of them try to take advantage of tourists by not starting the meter from zero or by swapping out larger bills for smaller ones. Just be very alert when filling up the tank so you don’t get conned.

Another thing to take into consideration is the extra cost you’ll incur from tolls and parking. If you plan to travel to places like Tulum and Chichen Itza, you’ll definitely end up spending some extra money on both of these. Be sure to keep cash (Mexican pesos, not USD) on you for these expenses. 

Transportation From Playa del Carmen to Cancun Airport

Sadly, all vacations come to an end at some point. When you have to get back to the Cancun airport, you can use the same options I listed above. 

Playa del Carmen to Cancun by Private Transfer

If you’re going to go this route, you might as well buy a round trip ticket in advance. As I mentioned earlier, you get a pretty good discount when buying round trip tickets from Cancun to Playa del Carmen. Or, if you didn’t purchase a private transfer on your way to PdC, but you want one on the way out, you can just purchase a one-way ticket. 

The only reason I would say not to buy a round trip ticket is if you have an open-ended trip and you’re not exactly sure of your departure date.

Or perhaps you’re planning on moving around and not coming and going from the same place. Many people like to visit other towns like Tulum or Valladolid when traveling in this part of Mexico, which I highly recommend if you have the time!

Playa del Carmen to Cancun by Bus

Just as it is when traveling from the airport to town, the ADO bus has a few options in the middle of the night. It starts running regularly at 7AM with buses leaving every 20-30 minutes.

On the way out of town, you can catch the bus at either the main tourist terminal near 5th Avenue or the other one on 20th. Buses leave from the first one and make a quick stop at the other. Just choose whichever one is closest to your hotel. 

There’s no discount for buying round trip tickets on the ADO bus, so you might as well just buy a one way in both directions. You don’t even need to buy the ticket in advance as buses run so frequently. Just show up at the station and get on the next bus.

Be sure to leave nice and early, though, as you never know what traffic is going to be like on the way to the airport. The ADO bus stops at Terminal 4 first and then goes to T3 and T2, so take that into consideration. 

Renting a Car

If you rented a car for your trip, you’ll want to be sure to head back to the airport nice and early. You’ll have to return the car and make sure there are no surprises with your bill before flying out. 

Personally, I’ve never rented a car in Mexico (but, Goats On The Road, Nick and Dariece have). I just don’t find it necessary since public transportation is so good here.

That being said, I’ve had several friends rent a car from the Cancun airport to explore the Riviera Maya, and none of them have had any problems with false charges or anything like that. Just make sure you go over the car with the company to ensure there are no damages that you’re responsible for. 

Conclusion

How you choose to travel between Cancun and Playa del Carmen all depends on your group and preferences. Do you want to get to your accommodation as soon as possible? Do you want a more comfortable ride? Do you have a tight budget? The type of transport you choose will depend on your personal circumstances. 

A private transfer is the best option if you’re on a shorter vacation and want to maximize your time in Mexico. It’s also a great option for those who aren’t on a tight budget, want door-to-door service or are in a group. The bigger your group, the better deal you’ll get.

It might even work out to be about the same price as the bus depending on how many people you have. It’s also nice having the peace of mind that someone will be waiting for you as opposed to the other way around.

Plus, if you’re staying at a resort that’s actually a 15-20 minute drive from the bus station in Playa del Carmen, you’ll end up spending about the same as you would on a private transfer after you factor in cabs to and from the bus station.

For those traveling in a group, a private transfer is definitely a solid choice. 

If you’re a solo traveller on a budget, or if you don’t mind waiting around and sorting out transfers from the bus to your accommodation, then taking the ADO bus is a good option for you. 

If you really want to rent a car, you can wait until you get to town and sort it out there. You’ll most likely find a better deal on rental cars on the ground than you would if you booked online. Plus, renting from the airport is always more costly.

However you choose to get from Cancun to Playa del Carmen, I hope you have an awesome trip there. Chill out on the beach, stroll along 5th Avenue, feast on street tacos, dance the night away in the clubs, and enjoy your holiday! 

The post Cancun Airport Transportation: How To Get From Cancun to Playa del Carmen appeared first on Goats On The Road.

Cancun Airport Transportation: How To Get From Cancun to Playa del Carmen published first on https://travelaspire.weebly.com/

[angrybelieverconnoisseur-blog]

Where can i check to see if my medical insurance is active?

"Where can i check to see if my medical insurance is active?

I have Medicaid. Someone I know checked online before to see if my medical was still active, I didn't get to ask where she went to look that up.. does anybody know

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

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I am buying a 2011 camaro 2lt. Now here is what I am thinking. If i put my car under my dad's insurance will my insurance also be lower if i am listen under my dad's insurance and as one of the people who drives the car instead of having the car under my insurance?

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

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

About how much will my car insurance increase...?

I recently received a speeding ticket for going 81/60. 4 points and 185$ fine...the officer said he would knock it down to 2 points and 80$ fine if i showed up to court. I'm 19, I live in S. Carolina, and I pay 195$ a month for a 2004 mazda6. Does anyone have an estimate on how much 2 points will raise my rates? Note: This is my second ticket; my first was an Improper start from start, no points 155$ fine. Thanks so much!""

How much is Auto Insurance in Italy?

Hi, im going to be moving to italy with my wife and child to stay there for four years so i will be purchasing a vehicle to get around with, im planning on a car but i want to find out a little more of how much it can cost for insurance on autos over there, both for cars and motorcycles, if its cheaper for motorcycle i will probably just get one car for my wife and get a motorcycle for myself. Any information will be helpful and thanks ahead of time""

How much is it to get car insurance at 16?

How much is it to get car insurance at 16?

Car Insurance question..Im confussed ?? ( uk )?

O.k so Im a new driver and bought a car and signed up with insurance which worked out about 60 a month. My car broke down beyond repair and I have suspended my insurance as had to scrap the car. Now I been on car insurance websites to compare many different cars to see which is cheapest and all my other details are same but no matter what car details i put (different ages/ values) but all small cars similar to my last vehicle the quote comes up double the cost at over 110. Why is this ?

Speeding ticket in a rental car raises my insurance?

Hey forum, I got a 34mph-over speeding ticket in some tiny texas town in my rental. I didn't give the cop my insurance b/c the car was insured through my credit card. How will this affect my Texas Farmers insurance rate? Thanks heaps""

Where can i check to see if my medical insurance is active?

I have Medicaid. Someone I know checked online before to see if my medical was still active, I didn't get to ask where she went to look that up.. does anybody know

Will my insurance rise if the accident was not my fault?

i was involved in a minor car accident which took place at a drive thru and the car in front of me reversed his car, and at the speed he had applied to the gas pedal was enough impact to smash my entire hood in and damage my front bumper. I filed a claim with my insurance as soon as I got home. The following morning the insurance company of the OTHER driver contacted me and verified that he will take full responsibility therefore my repairments will be covered by his insurance. Ive been reading online relating to my question, but in my case, will my insurance rate go up? This is also my very first accident and I've been ensured for 1 year since I've been driving.""

What is the best place to buy whole life insurance from?

I want to buy life insurance for my 47 year old husband and my 9 year old son. There are so so so many companies out there. What are some of the better names that are not schemes ?

Can my term life insurance rates go up?

If I have already bought a term life insurance plan for 20 years a year ago, and I get a new job which is a higher risk job, will my insurance rate go up? If so how much could it go up by?""

Do you have to prove you have a job to buy car insurance?

do you need to show check stubs or anything to get car insurance

""What is the average price of insurance of a $15,000 car for a paramedic?""

21 years old , good credit rating works and goes to school, trading in 1998 jeep cherokee sport""

Do you need insurance to drive a motorcycle?

and at what cc is considered a motorcycle? do u need any kind of insurance? i know u need a license i live in gainesville fl where do i get class for one?

""Got caught speeding 36 in a 20, not listed on insurance, driving alone with a learned license?

My driving test is the day before my court hearing and I was wondering how much all this will cost and also if I'm gonna be able to take my test still

""How much would insurance be on a $39,000 Lexus LS 460 car?""

Im probably gonna buy my dream car that cost $39,000 but its valued at $43,000. Its a 2007 Lexus LS 460 and i want to know how much full coverage insurance would be? I have a good driving record with no accidents and just need a basic idea. Thanks!!""

Should i sue my auto insurance company?

On the morning of Sept 14, 2011 my sister woke me up at home asking me where my car was. I went outside to discover my vehicle was gone. So I call the police to come and take a report but of course there wasn't enough officers on duty to send one out so I wake up my brother to get a ride to the station. Keep in mind this is between 2:30-5:00am and the last time I actually saw my car was Sept 13, 2011 at approx 11pm. I arrive at the police station where I make a report, they take down all the info and send me home with the report. Approx 1 hour later they call me and say my vehicle was recovered in a nearby city and they gave me the number to that police station. So I hurry to call them but of course they were closed until 8am. At 8am I call them they said bring my ID and insurance info to recover the vehicle. I go down there and ask questions but they told me they weren't allowed to disclose any information about who, what, were, or when the incident occurred because of confidentiality. They told me I would have to pay the towing and storage fee to recover my car from the impound. So I left and went to the impound paid $218.00 to discover that my vehicle had been totaled. So I had it towed to my house where I called the insurance company to report this. After I reported this incident they took a recorded statement and gave me a claim number. I waited for 2days for my adjuster to call me back and he never did. about 2 weeks later my adjuster calls and leaves me a message saying he needed another recorded statement and to call him back. I call back and got his voice mail. I spoke to one of his colleagues and they said they would send him and his manager a memo to call me back..well that never happened. 1 week after that I get a packet in the mail asking for my cell phone records, keys to the vehicle, and a notarized affidavit. I sent these things back and then a detective from the insurance company calls me and said there were red flags and he needed to get a video recorded statement. I agreed and went to give the statement. A few days later a detective from the police department where my car was recovered from calls me and tells me that my youngest son's father was with some friends at a nightclub were a drive-by shooting occurred and my son's father wasn't shot but the young man he was with was and as a result of them trying to escape the scene my car was crashed. As they arrived to the scene and asked questions about what happened my son's father would not admit he was driving the vehicle, and because they didn't actually see him driving or pull him over they could not prosecute. The detective asked me did I know anything about this incident and I replied hell no! The night of the incident my son's father had came to my house around 3am but never mentioned anything of course because he knows I would have tried to kill him. He also knows I would have been pissed because I never let him drive my car for the 3 years that I have known him, he has never had a license. She ask me was it ok to list him as a suspect and I told her Yes! I let her know that he did not have permission to drive my car under any circumstances. The very next day the detective from the insurance company called me and ask me what was my son's father name and what where the numbers that where called on my cell phone records. He asked why did he call me at 2:54am, I explained he wanted to let me know he was on his way over which wasn't out of the ordinary for him to do. So then the detective tells me my story stinks and I need to withdraw my claim because on my interview I didn't disclose that my boyfriend had come to my house. I told him why did I need to disclose who was sleeping in my bed if it had nothing to do with my car. I mean we know now he had something to do with it but I didn't know then. He told me the police detective also had the keys to my car which was a lie. It clearly states on the impound record that they had no keys. Not to mention the car has broken locks and loose wires I guess he didn't read that part of the report. He also told me I was trying to cover for my son's dad to get the car covered. I told him he could arrest him for GTA for all I care. My car was stolen and no matter who stole it I'm the victim and of course I want my car covered. He then said he was denying the claim and sending the case to the Department of Insurance to see if fraud was committed. Im beyond frustrated because I have nothing to do with what my son's dad did. Should I sue?""

Does anyone know any good cheap insurance companies to insure my car?

Does anyone know any good cheap insurance companies to insure my car?

Is this a new car insurance con?

Just tried to get car insurance through that confusing website. We chose the cheapest one and when we went to pay for it, the swines said error phone this number bla bla bla . So we phone up and they add another 35 onto the quoted price. Of course we said on your nelly . Is this a typical con? Have you experienced that?""

I need Health Insurance Tips?

Hey there, I was hoping to get some input from families in WA State, or anywhere if you want to help me. I just need ideas on where to get affordable health insurance for my family? If anyone has advice for me that would be great. Thank-you!""

How hard is it for police to verify that you REALLY do have car insurance?

With all the different companies that offer insurance, how would a police officer know if if the insurance card is a fake or not or if the policy number is real during a traffic stop?""

How important is car insurance ?

My dad works for an insurance company so he thinks I need insurance but I can't afford it. Should I wait until I have enough money for insurance to buy a car?

USAA vs Navy Fed for banking & car insurance?

i actually have a few questions. Being new in the Marine Corps, im trying to find the best deals. So far ive heard that USAA and Navy Fed are the best for both banking (loans, general banking), and also car insurance. So which one is better in your opinion? Have you dealt with both or know the ups and downs of both? Should i go to USAA/Navy Fed for both, or do a mix of the two for my needs?""

Motorcycle insurance for an 18 year old?

Realistically, how much would insurance be per year on a 600 cc sportbike for an 18 year old male with no car accidents(if that matters at all)? And what about any other costs? Thanks""

Which insurance is better?

which insurance is better blue cross and blue shield or aflac, what is the difference between them""

What is cheap auto insurance?

What is cheap auto insurance?

How much would insurance cost for a Toyota Celica GT?

Ok so I have asked this question a couple of times now and I guess I should be more specific. I am getting my license soon and will probably be getting a Toyota Celica GT 2000 or 2001 and I was wondering the insurance price for a new driver (who is a girl) for this type of car. Not like what the price is based on but an actual estimated price. I am not expecting anything to be exacted just a guess. Plz help, thank.""

Which cars/models have the lowest insurance rates?

Which cars/models have the lowest insurance rates?

Suing a car insurance?

3 weeks ago, my car got hit while i was asleep in the middle of the night. the person left his insurance and phone number.so he knew he was at fault 100%. i called the insurance and they agreed to fix my car. since the person hit my wheel and bumper at the same time my car was not drivable at all, so they got a towing truck to take it to the shop. i received a call 2 day later from the insurance telling me that they could only fix my bumper because it the accident had nothing to do with a broken part from the other side of where the car got hit. now my car was working perfectly fine the day before the accident. and the insurance doesnt want to fix the part that broke because they said it was impossible for the part to brake and because the part was rusted. Can i sue the insurance company?""

What happens if a 16 year old in NC is caught driving without being on the insurance policy?

The owner of the car has insurance on the car but his daughter is not listed as a driver on the policy.

Car Insurance?

How much does a demerit point affect the insurance in premium outflow? I mean if I get a point how much more would I pay in insurance per month? Also which carrier is the best for point heavy drivers? Thank you

When to get health insurance for your newborn?

I am in my first trimester and just wondering when do I need to get health insurance for my newborn-the health insurance is United Healthcare and offered through my job

How much would my car insurance go up if I got a mustang?

I'm 24 years old, have a good driving record, and I am currently on with my dad's insurance. I have a 2005 chevy aveo right now, with almost 75,000miles; and I pay $110 a month for insurance. Unfortunately, my car may be reaching it's end, and I may have to get a new car. I've found a used 2002 ford mustang, 2 door and 14,633 miles on it. How much do you think my insurance would go up? My dad says it would sky rocket... But I figure I'd ask anyway! Thanks!""

Where can i check to see if my medical insurance is active?

I have Medicaid. Someone I know checked online before to see if my medical was still active, I didn't get to ask where she went to look that up.. does anybody know

What old coupes are there that are cheap to insure for 17 or 18 year old?

I want a cheap coupe and be able to also have cheap insurance on one because I want to customize a car as a project and keep adding more things to it slowly. Also I don't want one that is from the 1970's I want one from the 90's or higher like the Mazda RX7 or the Toyota Supra. The problem is these cars don't cost much but they're a hell lot of money to insure because of their power output. Please don't tell me any hatchbacks because I hate hatchbacks with passion. I could live with one stock but I want to customize my car so I want it to be a good looking coupe or a saloon, thanks.""

Whats a good cheap auto insurance company on just liability? ( I am 24 in college)?

Whats a good cheap auto insurance company on just liability? ( I am 24 in college)?

Motorcycle insurance?

I am looking to get a motorcycle in the future and I know it takes time and money, but most people do not ride in the winter (NJ), so my question is, can I cancel my motorcycle insurance during winter months, so I am not paying all year round? Also, are there any reprocussions to doing this? Thanks.""

How much are you paying car insurance NJ?

I just want to know, please answer with how much, every 6 months? age? and any driving history? My mom and I are paying 2000$ 6 months, both of us have had unsafe operation in our driving records. does that sound reasonable to you? I'm really new to this car insurance and trying to know. thanks""

Best and Cheapest Car On Insurance For a 17 Year Old?

Best and Cheapest Car On Insurance For a 17 Year Old?

How can I get a California Health & Life Insurance License ?

I would like to find an online course or a study at home course if possible. Also, how long does the course take ? Thank you for your help""

How much will I get from the insurance for my totaled car?

A person hit my parked car and damaged the body, the wheel well, and the wheel is bent crooked and rubbing on the strut. My problem is the car is old and probably only worth $500. It will be really difficult to find a replacement for $500, it seems i might need to spend $1500 -$2000. Maybe this is close to the repair price, I don't know. What do you think they will offer me? What should I do?""

How can i get cheap insurance on my moms car because I'm only 17 and she has a 2l?

well I've just past my test and I had a look on gocompair just lookin how much it would be for me on my oun 1l and it comes up as like 3500 and thats silly money because i would have to buy a car then that will be like a grand :/ so i had a look on for me to go on my moms car and that comes out as 4000 and she has a 2l is there any way i can get t cheaper? thanks

""Would it be fair if I give you a bit of tax hikes, since you can now save on more affordable health care which?

I gave to you?

Why do you pay for auto insurance?

I'm a teen trying to understand the point of auto insurance

""Why do we have insurance, when insurance companies don't want to pay anything?

Why not just save the money in the bank? Lets bankrupt the insurance companies... tell them to go to hell. I ain't paying $100 a month for nothing.... and then wait months fro them to pay for my stuff. and them looking for reasons not to pay me.

How much does getting insurance on a car cost?

im 17 and me and my mom are trying to get the CHEAPEST car insurance possible !! how much does it cost? what company?? thanks for your help

How much should car insurance cost?

i am 17 and live in London. i have just passed my driving test and i'm looking for a car and insurance. i am not bothered about how bad the car is but i can't find insurance anywhere which i can afford. does anyone have advice?

Car accident without insurance?

My 16 year old son had an accident in his 2013 Lexus ES350 a few weeks ago. I have been insured with Geico, however 2 days before the accident my coverage lapsed (I had to switch ...show more""

Car insurance...under 25?

who provides the cheapest car insurance for a lad age 21 in the UK

Car insurance for a 16 year old?

How much would car insurance be for a 16 year old male? The car is a 2010 Ford mustang V6 Premium. If it matters, im a straight A student. Would the car being a convertible change the price, if so by how much? Thanks!""

What is the best car insurance for if you don't have own car?

I don't have car and I do rent a car frequently, Is there any insurance that I can take and that can be transferred to what ever car I rent for the day? what I mean is If I take any insurance for 6months or one year that should be applied to the what ever car I drive. any suggestions?""

What types of insurance are required in Minnesota?

I have a permit test in about an hour and I forgot what kinds of insurance are required in the state of Minnesota? There are 2 of them I think it's liability and no fault? Help please?

Car Insurance?

Hi I have just passed my test, and was thinking about getting a car. i was wondering how much (roughly) the insurance will be, with a standard car, most probably not new, for a 17-18 year old in the UK thanks""

How much will my ticket be? I'm a little nervous to see since he gave me 4 months to pay it..?

I got in a wreck about 2 weeks ago. I wasn't at fault but because I had no insurance I got my car taken anyway. It's out of impound now, they didn't hold my tags, and I now have insurance and a nice size scratch/dent going from my front fender to my back door. So now all that's left is the ticket that he gave me for driving a vehicle with no insurance. How much will the ticket cost? And does it cost more because the vehicle was in an accident?""

How much does car insurance cost?

I have a land rover that costed 51,120 pounds and I cannot drive it until I have insurance on it, so I was wondering how much car insurance would cost?""

I need help with a car insurance issue?

My boyfriend recently got into an accident with another driver, resulting in no injury to the driver, minimal damage to his parents' truck and side damage to the other drivers' car. That was a week or two ago, he found out today that he has been excluded from his parents insurance plan. This is the first he's heard about it since moving back in with them in November. His parents knew about it though. I'm worried that he may lose his license and also his job. I've tried searching but I found nothing on this. The state is California by the way. I'll appreciate any answers and will give the best answer points (is ten good?).""

What's the cheapest insurance i can get?

I live in NYC, i'll be 18 in feb next year and i want to know how much i would have to pay for it. I can't be under someone else's insurance. I don't even have a car yet but it probably won't be anything over 7000 and probably 1990's or early 2000's. Thanks.""

What insurance can i get ? need advise?

i am 17 years old and i got a truck and im going to get my license in a few days how can i get insurance for my truck and what will be the cheapest price ? i need advise on what i should do and how i should get insurance like should i get it under my dads insurance or how ?

I am 18 and need car insurance?

i am moving out of my moms house, me and her havent been getting along at all lately. she isnt letting me take my car so i need to buy my own car and get my own insurance. is it possible for an 18 year old to get their own car insurance policy ? i was told you had to be 25. and if i do buy my own policy, about how much will it be? i have no tickets or violations and it will be an older car, but it will run! and advice at all on moving out and making it work would be much appreciated.""

Where can i check to see if my medical insurance is active?

I have Medicaid. Someone I know checked online before to see if my medical was still active, I didn't get to ask where she went to look that up.. does anybody know

What's the cheapest way to commute between Liverpool and Manchester?

Hi, I'm starting a new job in Manchester next month and I'm trying to find the cheapest way to commute. I'll be travelling from Rock Ferry to Manchester Piccadilly 5 days a week and my working hours will be roughly 9am to 5pm, although some days will require an earlier start and a later finish. I've looked at a rail season ticket and was shocked to discover it would cost 3008.00 with First Trans Penine. I've also read that the train journey is horrendous. My wife and I share a car but realistically, she can't rely on me to pick her up and drop her off at work at the same time every day (she works in Liverpool) so we would potentially need another car. With that, comes the initial cost of buying the vehicle, then tax, insurance, MOT and weekly fuel, which in my mind will cost even more than the rail season ticket. Added to that is the fact that we're not particularly well off so can't afford more than a couple of thousand for a 2nd hand car. A brand new car on finance would be out of the question. So, are there any regular Liverpool to Manchester commuters out there and if so, how do you keep your costs down? Any suggestions would be much appreciated!""

""If someone wrecks my car and I have full coverage, would that person have to claim on their insurance also?""

Today I went about an hour away to purchase a second car. On the drive back it began snowing and the roads got very bad. I was driving my old car and a friend was driving the new one. He was in front of me, the car he drove hit a patch of ice and slid into the curb, I tried to stop but when I hit the brakes my car slid too and ran into the back of the one he drove. I have full coverage on my old, and minimum coverage on the new one. If I claim this on my insurance to cover damage, will he have to claim it on his too, or would mine cover it completly? Because I don't want to file a claim if it will effect his insurance, since it was both my vehicles. Any input would be helpful. Thanks!""

Help with teen car insurance?!?

on average how much do you pay for your car insurance as a teen and with what company? oh, and where you live?""

Does anyone know ANY affordable dental insurance or affordable/reasonable dentists in San Antonio TX?

Hi im looking for an affordable, dental insurance because it seems as though every where i look i can't get help because i'm not considered needy . And most health insurances have huge monthly payments without really any coverage. I think i need to get my wisdom teeth pulled and i have several cavities so if anyone can give any information on good dental coverage or even reasonable dentists' prices in san antonio, TX it would be greatly appreciated. Thanks so much in advance.""

A way to make health insurance premiums to go down.?

To make it affordable we have to come up with a no-profit system for health insurance companies. Since that would never happen, due to our capitalist economy. I would suggest the ...show more""

Geico car insurance late?

my geico car insurance will be due in 3 days but it will be ten days after that do i get paid do you have a grace period or i time frame after the due date with geico

Which do you think is the cheapest car insurance company in chicago?

Which do you think is the cheapest car insurance company in chicago?

Cheap car insurance companies?

i've just passed my test and own a renault clio sport 1.4 w reg all insurance quotes have been over 3000 pound does any one know where to go for cheap car insurance

Car insurance for Civic and Lancer?

How much would you guys think car insurace would cost per year for a 16 year old for a 95-00 Honda Civic EX or SI and a 02-05 Mitsubishi Lancer ES??? thanks

What Are Low Cost Term Life Insurance?

What Are Low Cost Term Life Insurance?

Approximately how much does auto insurance cost for an 18 yr old new driver?

Full coverage and/or liability. I just need a ballpark figure to see if I can afford to pay for my son's auto ins.

What is the comparison between permanant life insurance and Roth IRA?

Advantages if any Disadvantages if any

Aren't you sick of people comparing health care to car insurance?

1. Mandatory Car Insurance is to cover THE OTHER PERSON if you get in an accident that is your fault. 2. Any coverage for yourself is optional, unless mandated by the bank that is loaning you the money as part of the contract for them loaning you the money to acquire the car. 3. I can choose not to drive. Liberals really are morons....""

can you ride a bike without insurance?

Do you really need to apply for insurance? Or just liscence is ok to ride?

Cheapest second hand cars to insure for over 25 year olds uk?

ok so i'm 27 just passed my driving licence money is an issue I need to buy a cheap second hand car any know a website or know which is the cheapest type of cars I can get for cheapest insurance quotes please?

Car insurance/Car warranty advice!?

Okay...so my husband has a 2004 Subaru WRX - bought from a private dealer. We have a car loan from our bank with no extended warranty. Our insurance is through Harleysville and we have to have full coverage on it so it's kinda pricey since his car is under the performance class. My car, is a 2006 Subaru Impreza 2.5i - just bought last month from a dealership with extended 5 year/60,000 warranty on powertrain (engine areas) and drive train (AWD) (?) something like that and is not bumper to bumper. We also have a car loan from the bank. The thing is, I have our car insurance on low deductibles making our monthly premiums high. I was thinking, since I have warranty on my car, the deductibles can be higher with a lower monthly premium since I have warranty from the dealer. Although, the warranty is only on powertrain and drive train, if I get tboned or scratches, then yes, I would have to pay a higher deductible to get my car fixed. What is the best thing to do? Right now, both our cars are at about $240/mo for our insurance premiums. We are safe drivers, never had an accident or speeding ticket. We are clear as of now! What are you opinions and thoughts... Would really appreciate it!""

""How much is insurance for new drivers? People are saying 1000 - 3000, how can it be that much money... ?""

I am unemployed at the moment, but even with a part time job I wouldn't be able to afford that sort of money a month. I mean that is a lot of money, considering you have to also buy a Car, tax etc. Is this a true amount? I am 22 years old ( nearly 23 ) and I am planning to start my lessons, but I wanted to find out how much it would be to run a car before I started lessons. So I searched for Insurance, Tax, Fuel etc, and the prices for Insurance that people were saying on forum's were crazy! Is this right? Can it really be correct?""

Where can i get fish tank insurance?

My landlord wants me to get a liability insurance for my fish tank. What can I do? Thanks

What is the average cost for home owners insurance in illinois?

I'm trying to get average cost of insurance for the south and southwest suburban areas of the chicago area.

""Looking for cheap car insurance,small car,mature driver? any recommendations?""

Looking for cheap car insurance,small car,mature driver? any recommendations?""

Free Insurance Quotes Online?

Hi, I just bought a car and I need to get insurance asap so I can drive. A friend told me you can get free insurance quotes from websites online. Is it true?""

Would insurance costs go down if more people had a license?

A lot of undocumented immigrants don't have a license but would them getting a license help the insurance costs go down? I need actual statistics/ proof. It's for a debate we are having at school. Your help is appreciated. If your opinion is otherwise then don't post it. I'm only looking for facts. Thank you.

Can a teen get his own car insurance in texas ?

can a 16 year olds get his own car insurance policy rather than just adding to the adult parents policy? also at what age can I am on my own car rather than just having it in the parents name? I live in texas .

Is mutual insurance good?

One of the insurance brokers is asking for mutual insurance, I really dont know its good or not, If I ask him, he will say, its good to me. So asking you people. . Thanks""

Cost of insurance on a mercedes Benz each month?

i have to do a gay project

Where can i check to see if my medical insurance is active?

I have Medicaid. Someone I know checked online before to see if my medical was still active, I didn't get to ask where she went to look that up.. does anybody know

https://www.linkedin.com/pulse/what-best-insurance-companies-nyc-william-sampson/"

[gendermesenpai-blog]

8:50 pm

Okay, Firefox just fucking crashed and I lost like 3000 words that I just wrote. Fuck I am angry now. I was already having a shitty day and I am angry now.

I am going to angrily try to write what I remember from the post I was working on just now. Holy fuck this is frustrating and it makes me want to just go to bed and not even post anything. This shit is too much effort fuck

OK.

First of all, my medication costs almost nothing now. My prescription doubled this month and I am paying $2. Turns out there is actually pretty decent public healthcare here in this state.

This morning started normal enough, it was my first day on the new doseages and I am using an app now called Medisafe to track my schedule. This is because I was already missing doses before and now I have 3 a day. I went to work and they told us we were going to be doing more zipcodes. These are jobs we have been doing recently involving photographing properties where the owner owes money to the city. Our clients are interested in purchasing this debt. I don’t like it. It’s unethical, it makes me feel unsafe. I am a trans woman, I should not be running around in random neighborhoods putting a target on my back doing these zipcode jobs. And yet I am the one who has to map everything because no one else in the company knows how to use the internet and shit. I have done hundreds of these houses, they keep telling me to do it because I’m good at it. It feels like being punished. Oh, good job with these pictures, here’s a bunch more. I am getting into altercations with people, with drivers. I got chased off one block by a car today. I only got away because I can bunny hop speed bumps, he would have destroyed his car trying to follow me at that speed.

Anyway, I don’t like it. I had to change a flat out there today. I went to a church and changed it on the steps. I felt like that was the best I could do for my safety. I explained how I felt about this better in the post that Firefox crashed and destroyed. But anyway it sucks. At least there was another courier from my company doing a nearby section of houses and we rode out there together, met back up and smoked etc. Rode back together. I like him, he’s cool. Maybe I have a little crush or whatever. Nothing can be done. He’s not queer at all and I’ll probably never pass to any of these people because they know me too well in the male persona. Maybe I’ll look back at that and laugh one day when I have less beard shadow.

Anyway, rode back, they had pizza for us. I ate a lot. I could’ve eaten more. Haven’t been eating much lately because of money problems. I’ve gotten called in my last 2 off days. The last 2 Tuesdays. So no Uber except when I can sneak in a run or two, or after my regular shift when I’m already beat, or on weekends. Uber sucks anyway, I keep handing people bags of spilled shit. There is nothing special or weird about my bag. I have to imagine this is just what happens to every courier who uses a backpack to transport food. Things spill occasionally. Sometimes it’s like every fucking day though. I had to clean so much Tika Masala sauce out of my bag the other day. I’m about to just start carrying all food bags in my hand. I can control my speed with one hand on the bars now, either bar, no braking whatsoever except my legs. I can control my speed to a limited extent with no hands. Just noticed that one recently, it was something I suddenly learned, having gained awareness of by doing it.

OK but anyway, so I’m already pissed off from the zipcode shit, and they send me out to a drop near my house, so I hit my house, smoke, then cut down to the coffee place to take some coffee to go downtown. A week ago or a couple weeks ago or something, one of our drivers got into an altercation with a woman who works at this coffee place and happens to be a trans person of color. Apparently, something he said set her off and she shut down the shop, saying something about “fuck white people.” I think this is awesome. Everyone at my company thinks it is ridiculous and keep talking about her in a demeaning way. So I have already heard this story multiple times, and every time it’s told, even by our female dispatcher, it is always “trans woman.” They say it every single time, never just woman, never woman of color. Always “this trans woman at the coffee place.” But anyway, I hadn’t heard the driver himself talking about until today, and he managed to piss me off so quick, holy shit. He was basically asking who did the coffee run today, does *SHE* still work there, and he said she super sarcastically or like in an intentionally derogatory or insincere way. Of course, I did the coffee run, but I have no interest in talking about the fact that I saw the woman there, waved, and she didn’t acknowledge me, because that would just support their narrative about this crazy *trans* woman who hates white people and has it out for our tiny random delivery company. Also, right before he walked in and started talking about this, we had been trying to smoke a blunt outside and our two main office people, the guy who started the company and his weird pseudo girlfriend who lives above the office and is basically our main dispatcher, the two of them, started yelling about how we can’t smoke weed because the people across the street said something blah blah I don’t know, it’s fucking infantile, so I walked away to smoke around the corner and she followed us to like, scold us and say no we can’t smoke there either, only in the back yard or blah blah and I’m going like, wow, really, you’re my fucking mom and you’re going to tell me what to do now? We were going behind our work van, no one could’ve seen us. I should’ve told her to fuck off, she was being paranoid and we weren’t doing anything wrong. But anyway, so I was on edge from that and already thinking about leaving, and this guy starts talking about this trans woman this and trans woman that and emphaszing *SHE* and *HER* everytime he said it, and then I hear him go “yeah shes a tranny” and I’m just like oh wow ok. This is the reality of my life. I work at a company where people get to use slurs against me in my own office, and I can’t say anything because no one knows I am trans. So i nudged the only guy there who knows, and I was like, do you hear this? And he hadn’t been paying attention. And then I left. It was starting to rain so I just went to 7/11 and bought a burrito and took 5 bucks cash back out to pay my roommate for bud. And I’ve just been here since then, kind of hating myself and my life. Even though I live in this great rowhome, my medication costs $2 a month, I get high all the time and ride bikes for money, yadad ada.

Also, and this is almost certainly related, my self esteem is directly inversly proportional to the visibility of my beard shadow. No shadow, high esteem. Big shadow, low esteem. And I haven’t shaved in like 2 days or something. I just didn’t have time this morning. I hate it I hate it I hate it why can’t I burn it all off I hate it fucking dysphoria fucking fucking fucking shit

I get paid tomorrow. I am expecting maybe $700. I will have to pay one of my drug dealers $70, another $110. Then I have to pay at least $150 on my Paypal Credit. I owed them $400 in March and now it’s up to like $550 from fees. So $150 to put it back where it was. Then I need a new Boombotix because the charging port fell into the casing of my last one. Considering just jumping into the minirigs but $115 is a lot for a speaker during a month like this when the Boombotix is only $20. Then I need to buy razors, new shorts, maybe new Sidis if I can find them for less than $100. Some new furniture for my room, a dresser at least. And a chair. Time Atac pedals so I can stop popping out during skids. A fresh gatorskin since mine is very badly worn out. From skidding.

On the upside, I am getting really good at skids now. Probably doesn’t justify $60/mo on tires, but yeah.My desktop and laptop are both pretty fucked up right now, might need to look into some possibilities there.

I’m straight up alternating eating peanut butter and drinking water right now. Now I’m laying down. I have to stay up until like 11pm to take my 3rd dose. 8am, 3:30pm, 11pm. It’s 9:30 now.I still haven’t watched the show footage. I feel very cringy about that. It is over and done with, I should just watch the footage and laugh and move on. But I haven’t watched any of it. The dude still hasn’t sent me everything he has, but I haven’t even watched the 2 videos he did send.

I feel disgusting

dysphoria fuck u

laser hair removal is far too expensive

shaving is too tedious

waxing seems terrifying in a way I can’t rationally explain

how do I just

ugh

thank u for reading my poem