#this is one of the only things in connecticut to do so of course ive been
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butchyena · 3 years ago
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kay heres one of the two supernatural experiences ive had but this one ive never told on tumblr cause it makes me sound crazy and has a lot of details so here it is
so this happened in connecticut at a friend's house. it was my first (and only) time at her house. when i walked in and met this friend's (lets call her L) mom, she almost immediately asked L if she "told me about the house" and i assumed that meant like, it was an old house with a lot of history or something in the family or was just old, but L laughed and looked at me and said "the house is haunted, by the way"
we spent the day marathoning LOTR into the night, over the course of which i met her sister who was described as "sensitive" and "good friends" with the beings in the house, which i brushed off, i was a sceptic in highschool (which is when both experiences that changed my mind happened)
anyway i met L's sister, who was special needs and did not to attend our school and need 24/7 care by their mother, walked into the room and knew my name already (could have been mom who told her) and informed me her "friends" liked me. i was like okay and talked with her a little about the movies and she left.
here's a diagram of the house so the layout of what im going to describe makes sense;
Tumblr media
that's me on the couch that night sleeping, my head facing the side of the house of the sister's room (the position is important in a sec)
i slept fine but was woken early in the morning (6 something am when i checked my phone after this happened) by the feeling of someone rubbing my head, not with their palm but with their fingertips spread out, slowly and gently rubbing in rhythmic circles into my scalp.
i could hear her mother snoring and her sister's room was locked nightly (for her safety) from the outside every night, so i knew it was L. i ignored her and rolled over and the rubbing got a little harder. i told her to knock it off and it got harder. i said something like "you stupid bitch i said stop" because yknow. you call your friends bitch sometimes
the rubbing got so hard it was pushing my head down into the pillow so as i sat up to snap at her, it felt like someone fully open-handed slapped the back of my dome. i jumped off the couch, whipped around, no one there, i just saw the empty hallway to the mom and sister's room. i turned back around and looked through the other opening towards the storage room expecting to see L running back to her room, i saw nothing
i went to L's room and she was asleep.
so here's the thing about L. she missed first period of school almost every day. she was one of those people who needed to be physically removed from bed by her mother every morning and made to walk through the house to be sure she fully wakes up
she was in her bed snoring, there was no one else in the house, and her mother was a smoker who could be smelled within a 5 foot radius, let alone within arms reach
L was also a very giggly person and bad liar who, when i told her what happened, told me with a VERY straight face "oh they do that"
i never stayed at her house again !
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cloudseverywhere · 4 years ago
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In Congress, July 4, 1776
The unanimous Declaration of the thirteen united States of America, When in the Course of human events, it becomes necessary for one people to dissolve the political bands which have connected them with another, and to assume among the powers of the earth, the separate and equal station to which the Laws of Nature and of Nature's God entitle them, a decent respect to the opinions of mankind requires that they should declare the causes which impel them to the separation.
We hold these truths to be self-evident, that all men are created equal, that they are endowed by their Creator with certain unalienable Rights, that among these are Life, Liberty and the pursuit of Happiness.--That to secure these rights, Governments are instituted among Men, deriving their just powers from the consent of the governed, --That whenever any Form of Government becomes destructive of these ends, it is the Right of the People to alter or to abolish it, and to institute new Government, laying its foundation on such principles and organizing its powers in such form, as to them shall seem most likely to effect their Safety and Happiness. Prudence, indeed, will dictate that Governments long established should not be changed for light and transient causes; and accordingly all experience hath shewn, that mankind are more disposed to suffer, while evils are sufferable, than to right themselves by abolishing the forms to which they are accustomed. But when a long train of abuses and usurpations, pursuing invariably the same Object evinces a design to reduce them under absolute Despotism, it is their right, it is their duty, to throw off such Government, and to provide new Guards for their future security.--Such has been the patient sufferance of these Colonies; and such is now the necessity which constrains them to alter their former Systems of Government. The history of the present King of Great Britain is a history of repeated injuries and usurpations, all having in direct object the establishment of an absolute Tyranny over these States. To prove this, let Facts be submitted to a candid world.
He has refused his Assent to Laws, the most wholesome and necessary for the public good.
He has forbidden his Governors to pass Laws of immediate and pressing importance, unless suspended in their operation till his Assent should be obtained; and when so suspended, he has utterly neglected to attend to them.
He has refused to pass other Laws for the accommodation of large districts of people, unless those people would relinquish the right of Representation in the Legislature, a right inestimable to them and formidable to tyrants only.
He has called together legislative bodies at places unusual, uncomfortable, and distant from the depository of their public Records, for the sole purpose of fatiguing them into compliance with his measures.
He has dissolved Representative Houses repeatedly, for opposing with manly firmness his invasions on the rights of the people.
He has refused for a long time, after such dissolutions, to cause others to be elected; whereby the Legislative powers, incapable of Annihilation, have returned to the People at large for their exercise; the State remaining in the mean time exposed to all the dangers of invasion from without, and convulsions within.
He has endeavoured to prevent the population of these States; for that purpose obstructing the Laws for Naturalization of Foreigners; refusing to pass others to encourage their migrations hither, and raising the conditions of new Appropriations of Lands.
He has obstructed the Administration of Justice, by refusing his Assent to Laws for establishing Judiciary powers.
He has made Judges dependent on his Will alone, for the tenure of their offices, and the amount and payment of their salaries.
He has erected a multitude of New Offices, and sent hither swarms of Officers to harrass our people, and eat out their substance.
He has kept among us, in times of peace, Standing Armies without the Consent of our legislatures.
He has affected to render the Military independent of and superior to the Civil power.
He has combined with others to subject us to a jurisdiction foreign to our constitution, and unacknowledged by our laws; giving his Assent to their Acts of pretended Legislation:
For Quartering large bodies of armed troops among us:
For protecting them, by a mock Trial, from punishment for any Murders which they should commit on the Inhabitants of these States:
For cutting off our Trade with all parts of the world:
For imposing Taxes on us without our Consent:
For depriving us in many cases, of the benefits of Trial by Jury:
For transporting us beyond Seas to be tried for pretended offences
For abolishing the free System of English Laws in a neighbouring Province, establishing therein an Arbitrary government, and enlarging its Boundaries so as to render it at once an example and fit instrument for introducing the same absolute rule into these Colonies:
For taking away our Charters, abolishing our most valuable Laws, and altering fundamentally the Forms of our Governments:
For suspending our own Legislatures, and declaring themselves invested with power to legislate for us in all cases whatsoever.
He has abdicated Government here, by declaring us out of his Protection and waging War against us.
He has plundered our seas, ravaged our Coasts, burnt our towns, and destroyed the lives of our people.
He is at this time transporting large Armies of foreign Mercenaries to compleat the works of death, desolation and tyranny, already begun with circumstances of Cruelty & perfidy scarcely paralleled in the most barbarous ages, and totally unworthy the Head of a civilized nation.
He has constrained our fellow Citizens taken Captive on the high Seas to bear Arms against their Country, to become the executioners of their friends and Brethren, or to fall themselves by their Hands.
He has excited domestic insurrections amongst us, and has endeavoured to bring on the inhabitants of our frontiers, the merciless Indian Savages, whose known rule of warfare, is an undistinguished destruction of all ages, sexes and conditions.
In every stage of these Oppressions We have Petitioned for Redress in the most humble terms: Our repeated Petitions have been answered only by repeated injury. A Prince whose character is thus marked by every act which may define a Tyrant, is unfit to be the ruler of a free people.
Nor have We been wanting in attentions to our Brittish brethren. We have warned them from time to time of attempts by their legislature to extend an unwarrantable jurisdiction over us. We have reminded them of the circumstances of our emigration and settlement here. We have appealed to their native justice and magnanimity, and we have conjured them by the ties of our common kindred to disavow these usurpations, which, would inevitably interrupt our connections and correspondence. They too have been deaf to the voice of justice and of consanguinity. We must, therefore, acquiesce in the necessity, which denounces our Separation, and hold them, as we hold the rest of mankind, Enemies in War, in Peace Friends.
We, therefore, the Representatives of the united States of America, in General Congress, Assembled, appealing to the Supreme Judge of the world for the rectitude of our intentions, do, in the Name, and by Authority of the good People of these Colonies, solemnly publish and declare, That these United Colonies are, and of Right ought to be Free and Independent States; that they are Absolved from all Allegiance to the British Crown, and that all political connection between them and the State of Great Britain, is and ought to be totally dissolved; and that as Free and Independent States, they have full Power to levy War, conclude Peace, contract Alliances, establish Commerce, and to do all other Acts and Things which Independent States may of right do. And for the support of this Declaration, with a firm reliance on the protection of divine Providence, we mutually pledge to each other our Lives, our Fortunes and our sacred Honor. To all to whom these Presents shall come, we, the undersigned Delegates of the States affixed to our Names send greeting. Whereas the Delegates of the United States of America in Congress assembled did on the fifteenth day of November in the year of our Lord One Thousand Seven Hundred and Seventy seven, and in the Second Year of the Independence of America agree to certain articles of Confederation and perpetual Union between the States of Newhampshire, Massachusetts-bay, Rhodeisland and Providence Plantations, Connecticut, New York, New Jersey, Pennsylvania, Delaware, Maryland, Virginia, North Carolina, South Carolina, and Georgia in the Words following, viz. “Articles of Confederation and perpetual Union between the States of Newhampshire, Massachusetts-bay, Rhodeisland and Providence Plantations, Connecticut, New York, New Jersey, Pennsylvania, Delaware, Maryland, Virginia, North Carolina, South Carolina, and Georgia.
Article I. The Stile of this confederacy shall be, “The United States of America.”
Article II. Each state retains its sovereignty, freedom and independence, and every Power, Jurisdiction and right, which is not by this confederation expressly delegated to the United States, in Congress assembled.
Article III. The said states hereby severally enter into a firm league of friendship with each other, for their common defence, the security of their Liberties, and their mutual and general welfare, binding themselves to assist each other, against all force offered to, or attacks made upon them, or any of them, on account of religion, sovereignty, trade, or any other pretence whatever.
Article IV. The better to secure and perpetuate mutual friendship and intercourse among the people of the different states in this union, the free inhabitants of each of these states, paupers, vagabonds and fugitives from Justice excepted, shall be entitled to all privileges and immunities of free citizens in the several states; and the people of each state shall have free ingress and regress to and from any other state, and shall enjoy therein all the privileges of trade and commerce, subject to the same duties, impositions and restrictions as the inhabitants thereof respectively, provided that such restrictions shall not extend so far as to prevent the removal of property imported into any state, to any other State of which the Owner is an inhabitant; provided also that no imposition, duties or restriction shall be laid by any state, on the property of the united states, or either of them.
If any Person guilty of, or charged with, treason, felony, or other high misdemeanor in any state, shall flee from Justice, and be found in any of the united states, he shall upon demand of the Governor or executive power of the state from which he fled, be delivered up, and removed to the state having jurisdiction of his offence.
Full faith and credit shall be given in each of these states to the records, acts and judicial proceedings of the courts and magistrates of every other state.
Article V. For the more convenient management of the general interests of the united states, delegates shall be annually appointed in such manner as the legislature of each state shall direct, to meet in Congress on the first Monday in November, in every year, with a power reserved to each state to recall its delegates, or any of them, at any time within the year, and to send others in their stead, for the remainder of the Year.
No State shall be represented in Congress by less than two, nor by more than seven Members; and no person shall be capable of being delegate for more than three years, in any term of six years; nor shall any person, being a delegate, be capable of holding any office under the united states, for which he, or another for his benefit receives any salary, fees or emolument of any kind.
Each State shall maintain its own delegates in a meeting of the states, and while they act as members of the committee of the states.
In determining questions in the united states, in Congress assembled, each state shall have one vote.
Freedom of speech and debate in Congress shall not be impeached or questioned in any Court, or place out of Congress, and the members of congress shall be protected in their persons from arrests and imprisonments, during the time of their going to and from, and attendance on congress, except for treason, felony, or breach of the peace.
Article VI. No State, without the Consent of the united States, in congress assembled, shall send any embassy to, or receive any embassy from, or enter into any conferrence, agreement, alliance, or treaty, with any King prince or state; nor shall any person holding any office of profit or trust under the united states, or any of them, accept of any present, emolument, office, or title of any kind whatever, from any king, prince, or foreign state; nor shall the united states, in congress assembled, or any of them, grant any title of nobility.
No two or more states shall enter into any treaty, confederation, or alliance whatever between them, without the consent of the united states, in congress assembled, specifying accurately the purposes for which the same is to be entered into, and how long it shall continue.
No State shall lay any imposts or duties, which may interfere with any stipulations in treaties, entered into by the united States in congress assembled, with any king, prince, or State, in pursuance of any treaties already proposed by congress, to the courts of France and Spain.
No vessels of war shall be kept up in time of peace, by any state, except such number only, as shall be deemed necessary by the united states, in congress assembled, for the defence of such state, or its trade; nor shall any body of forces be kept up, by any state, in time of peace, except such number only as, in the judgment of the united states, in congress assembled, shall be deemed requisite to garrison the forts necessary for the defence of such state; but every state shall always keep up a well regulated and disciplined militia, sufficiently armed and accounted, and shall provide and constantly have ready for use, in public stores, a due number of field pieces and tents, and a proper quantity of arms, ammunition, and camp equipage.
No State shall engage in any war without the consent of the united States in congress assembled, unless such State be actually invaded by enemies, or shall have received certain advice of a resolution being formed by some nation of Indians to invade such State, and the danger is so imminent as not to admit of a delay till the united states in congress assembled, can be consulted: nor shall any state grant commissions to any ships or vessels of war, nor letters of marque or reprisal, except it be after a declaration of war by the united states in congress assembled, and then only against the kingdom or State, and the subjects thereof, against which war has been so declared, and under such regulations as shall be established by the united states in congress assembled, unless such state be infested by pirates, in which case vessels of war may be fitted out for that occasion, and kept so long as the danger shall continue, or until the united states in congress assembled shall determine otherwise.
Article VII. When land forces are raised by any state, for the common defence, all officers of or under the rank of colonel, shall be appointed by the legislature of each state respectively by whom such forces shall be raised, or in such manner as such state shall direct, and all vacancies shall be filled up by the state which first made appointment.
Article VIII. All charges of war, and all other expenses that shall be incurred for the common defence or general welfare, and allowed by the united states in congress assembled, shall be defrayed out of a common treasury, which shall be supplied by the several states, in proportion to the value of all land within each state, granted to or surveyed for any Person, as such land and the buildings and improvements thereon shall be estimated, according to such mode as the united states, in congress assembled, shall, from time to time, direct and appoint. The taxes for paying that proportion shall be laid and levied by the authority and direction of the legislatures of the several states within the time agreed upon by the united states in congress assembled.
Article IX. The united states, in congress assembled, shall have the sole and exclusive right and power of determining on peace and war, except in the cases mentioned in the sixth article - of sending and receiving ambassadors - entering into treaties and alliances, provided that no treaty of commerce shall be made, whereby the legislative power of the respective states shall be restrained from imposing such imposts and duties on foreigners, as their own people are subjected to, or from prohibiting the exportation or importation of any species of goods or commodities whatsoever - of establishing rules for deciding, in all cases, what captures on land or water shall be legal, and in what manner prizes taken by land or naval forces in the service of the united Sates, shall be divided or appropriated - of granting letters of marque and reprisal in times of peace - appointing courts for the trial of piracies and felonies committed on the high seas; and establishing courts; for receiving and determining finally appeals in all cases of captures; provided that no member of congress shall be appointed a judge of any of the said courts.
The united states, in congress assembled, shall also be the last resort on appeal, in all disputes and differences now subsisting, or that hereafter may arise between two or more states concerning boundary, jurisdiction, or any other cause whatever; which authority shall always be exercised in the manner following. Whenever the legislative or executive authority, or lawful agent of any state in controversy with another, shall present a petition to congress, stating the matter in question, and praying for a hearing, notice thereof shall be given, by order of congress, to the legislative or executive authority of the other state in controversy, and a day assigned for the appearance of the parties by their lawful agents, who shall then be directed to appoint, by joint consent, commissioners or judges to constitute a court for hearing and determining the matter in question: but if they cannot agree, congress shall name three persons out of each of the united states, and from the list of such persons each party shall alternately strike out one, the petitioners beginning, until the number shall be reduced to thirteen; and from that number not less than seven, nor more than nine names, as congress shall direct, shall, in the presence of congress, be drawn out by lot, and the persons whose names shall be so drawn, or any five of them, shall be commissioners or judges, to hear and finally determine the controversy, so always as a major part of the judges, who shall hear the cause, shall agree in the determination: and if either party shall neglect to attend at the day appointed, without showing reasons which congress shall judge sufficient, or being present, shall refuse to strike, the congress shall proceed to nominate three persons out of each State, and the secretary of congress shall strike in behalf of such party absent or refusing; and the judgment and sentence of the court, to be appointed in the manner before prescribed, shall be final and conclusive; and if any of the parties shall refuse to submit to the authority of such court, or to appear or defend their claim or cause, the court shall nevertheless proceed to pronounce sentence, or judgment, which shall in like manner be final and decisive; the judgment or sentence and other proceedings being in either case transmitted to congress, and lodged among the acts of congress, for the security of the parties concerned: provided that every commissioner, before he sits in judgment, shall take an oath to be administered by one of the judges of the supreme or superior court of the State where the cause shall be tried, “well and truly to hear and determine the matter in question, according to the best of his judgment, without favour, affection, or hope of reward: “provided, also, that no State shall be deprived of territory for the benefit of the united states.
All controversies concerning the private right of soil claimed under different grants of two or more states, whose jurisdictions as they may respect such lands, and the states which passed such grants are adjusted, the said grants or either of them being at the same time claimed to have originated antecedent to such settlement of jurisdiction, shall, on the petition of either party to the congress of the united states, be finally determined, as near as may be, in the same manner as is before prescribed for deciding disputes respecting territorial jurisdiction between different states.
The united states, in congress assembled, shall also have the sole and exclusive right and power of regulating the alloy and value of coin struck by their own authority, or by that of the respective states - fixing the standard of weights and measures throughout the united states - regulating the trade and managing all affairs with the Indians, not members of any of the states; provided that the legislative right of any state, within its own limits, be not infringed or violated - establishing and regulating post-offices from one state to another, throughout all the united states, and exacting such postage on the papers passing through the same, as may be requisite to defray the expenses of the said office - appointing all officers of the land forces in the service of the united States, excepting regimental officers - appointing all the officers of the naval forces, and commissioning all officers whatever in the service of the united states; making rules for the government and regulation of the said land and naval forces, and directing their operations.
The united States, in congress assembled, shall have authority to appoint a committee, to sit in the recess of congress, to be denominated, “A Committee of the States,” and to consist of one delegate from each State; and to appoint such other committees and civil officers as may be necessary for managing the general affairs of the united states under their direction - to appoint one of their number to preside; provided that no person be allowed to serve in the office of president more than one year in any term of three years; to ascertain the necessary sums of money to be raised for the service of the united states, and to appropriate and apply the same for defraying the public expenses; to borrow money or emit bills on the credit of the united states, transmitting every half year to the respective states an account of the sums of money so borrowed or emitted, - to build and equip a navy - to agree upon the number of land forces, and to make requisitions from each state for its quota, in proportion to the number of white inhabitants in such state, which requisition shall be binding; and thereupon the legislature of each state shall appoint the regimental officers, raise the men, and clothe, arm, and equip them, in a soldier-like manner, at the expense of the united states; and the officers and men so clothed, armed, and equipped, shall march to the place appointed, and within the time agreed on by the united states, in congress assembled; but if the united states, in congress assembled, shall, on consideration of circumstances, judge proper that any state should not raise men, or should raise a smaller number than its quota, and that any other state should raise a greater number of men than the quota thereof, such extra number shall be raised, officered, clothed, armed, and equipped in the same manner as the quota of such state, unless the legislature of such state shall judge that such extra number cannot be safely spared out of the same, in which case they shall raise, officer, clothe, arm, and equip, as many of such extra number as they judge can be safely spared. And the officers and men so clothed, armed, and equipped, shall march to the place appointed, and within the time agreed on by the united states in congress assembled.
The united states, in congress assembled, shall never engage in a war, nor grant letters of marque and reprisal in time of peace, nor enter into any treaties or alliances, nor coin money, nor regulate the value thereof nor ascertain the sums and expenses necessary for the defence and welfare of the united states, or any of them, nor emit bills, nor borrow money on the credit of the united states, nor appropriate money, nor agree upon the number of vessels of war to be built or purchased, or the number of land or sea forces to be raised, nor appoint a commander in chief of the army or navy, unless nine states assent to the same, nor shall a question on any other point, except for adjourning from day to day, be determined, unless by the votes of a majority of the united states in congress assembled.
The congress of the united states shall have power to adjourn to any time within the year, and to any place within the united states, so that no period of adjournment be for a longer duration than the space of six Months, and shall publish the Journal of their proceedings monthly, except such parts thereof relating to treaties, alliances, or military operations, as in their judgment require secrecy; and the yeas and nays of the delegates of each State, on any question, shall be entered on the Journal, when it is desired by any delegate; and the delegates of a State, or any of them, at his or their request, shall be furnished with a transcript of the said Journal, except such parts as are above excepted, to lay before the legislatures of the several states.
Article X. The committee of the states, or any nine of them, shall be authorized to execute, in the recess of congress, such of the powers of congress as the united states, in congress assembled, by the consent of nine states, shall, from time to time, think expedient to vest them with; provided that no power be delegated to the said committee, for the exercise of which, by the articles of confederation, the voice of nine states, in the congress of the united states assembled, is requisite.
Article XI. Canada acceding to this confederation, and joining in the measures of the united states, shall be admitted into, and entitled to all the advantages of this union: but no other colony shall be admitted into the same, unless such admission be agreed to by nine states.
Article XII. All bills of credit emitted, monies borrowed, and debts contracted by or under the authority of congress, before the assembling of the united states, in pursuance of the present confederation, shall be deemed and considered as a charge against the united States, for payment and satisfaction whereof the said united states and the public faith are hereby solemnly pledged.
Article XIII. Every State shall abide by the determinations of the united states, in congress assembled, on all questions which by this confederation are submitted to them. And the Articles of this confederation shall be inviolably observed by every state, and the union shall be perpetual; nor shall any alteration at any time hereafter be made in any of them, unless such alteration be agreed to in a congress of the united states, and be afterwards con-firmed by the legislatures of every state.
And Whereas it hath pleased the Great Governor of the World to incline the hearts of the legislatures we respectively represent in congress, to approve of, and to authorize us to ratify the said articles of confederation and perpetual union, Know Ye, that we, the undersigned delegates, by virtue of the power and authority to us given for that purpose, do, by these presents, in the name and in behalf of our respective constituents, fully and entirely ratify and confirm each and every of the said articles of confederation and perpetual union, and all and singular the matters and things therein contained. And we do further solemnly plight and engage the faith of our respective constituents, that they shall abide by the determinations of the united states in congress assembled, on all questions, which by the said confederation are submitted to them. And that the articles thereof shall be inviolably observed by the states we respectively represent, and that the union shall be perpetual. In Witness whereof, we have hereunto set our hands, in Congress. Done at Philadelphia, in the State of Pennsylvania, the ninth Day of July, in the Year of our Lord one Thousand seven Hundred and Seventy eight, and in the third year of the Independence of America.
I woke up to this, and my ass cheeks exploded
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thisartofeveryday · 4 years ago
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For those of you who thought I should make my life story into a book…here is the outline. For the sake of clarity as you are reading, let me explain who the characters are. The kids from my Dads first marriage: Jim1, Patty, Seana. The kids from my Mom’s (Mary Ellen) first marriage: Mary Jane and Jim2. My brother that I am a full sibling to is Charles (chuck).
I think you might know that 95% of our lives are lived from the unconscious mind. From birth to age 7 a childs mind is in Theta wave (hypnosis) and everything that they learn in those years (mainly through observation and repetition) is the program that their minds run for their entire lives. Knowing this – I look back on the first 7 years of my life.
I think we moved 7 times in those 7 years. I am certain it was because of Dads extreme anger management problems and the fact that he is a sociopath, a pedophile and a rapist. Zero stability or chance to make lasting friendships. My dad was sexually abusing me and unpredictably violent. I was terrified of him. I was being terrorized/bullied by my brother, Chuck, who was every bit the sociopath that my dad is. My mom was overwhelmed by the number of children she was responsible for - none of which she actually wanted- and add to that, her husband was sexualizing all of the kids, so really being the last of her kids I was the last of her problems. Being the youngest (and as traumatized as I was), I was quiet and easy to forget about or push to the side. The older kids were the ones in the spotlight and where all the attention went. They were enrolled in activities and they were more the same age, so they were a unit. I was just an observer of them. I felt so left out and forgotten. Always.
I was a mistake and a burden (dads exact words to me on my 11th birthday). Mom made sure I knew that she thought I was mentally retarded- she would joke about it all the time. (I guess she never made peace with her sister being autistic) She also loved humiliating me even when I made it clear she was hurting me. Remember her sausage fingers joke or how many years I got called Boomer? I absolutely hated both of those things, made it clear, and yet she refused to give up the name calling and humiliation. There was very little respect for my personal boundaries. Dad would assault me in the middle of the night and I would wet the bed out of fear- then he would make me sleep in it to teach me a lesson. Mom would do nothing to help me, though she was awake in the middle of the night when I would work up the courage to go into their room to ask for help. She let him treat me like that. Goddamn…I remember the night terrors and being scared to be in my room at night because the scary man was sitting in the rocking chair, in the dark, next to my bed.
I have a memory of being in the garage in our house in South Windsor. I was playing with our basset hound, General…I was crawling around on the floor and the dog mounted me and was dry humping me. Dad got this sick laugh and let it happen. Mom walked in and got mad at him, but did nothing to help me. My personal boundaries were nonexistent. Nobody was protecting me from him. I remember him eating the food off my plate at dinner…or kissing me on the ear or touching me when I would tell him I hated it and to stop. I remember the baths dad would have me take with him and how he taught me to touch and work his dick. I remember the photos he would take of me after the bath. I remember being 7 years old and trying to lay on his bed and be sexy enough for him. I remember kissing mom passionately the way that dad taught me to and mom getting upset and asking me where I learned that. I remember having a baby doll that I drew all over, angrily, with lipstick. I remember being scared because my ass was bleeding and I told mom while her brother and sisters were visiting and she shushed me and scurried me away. I remember him also beating the shit out of me…sometimes for no reason. I remember being deeply attracted to and absolutely terrified of him. I was 7.  These are the only memories I have of my dad. I don’t remember him being there for me, or interested in me as a person, or engaged in anyway. I just remember him being what I now know is a predator.
7 to 13: I remember some stability in Connecticut because we stayed there for three years… but I also remember having moments of being deeply depressed and hiding in the basement of the house writing notes that I hoped someone would find, asking for help to get me out of there. When I look back, those were my first experiences with disassociation from stress and waves of major depression. While I was being assaulted during those years, those years were all about Mary Jane, Seana, and Jim2. These three had each other. These three were a team. I was just an observer to your lives. I had no voice, no opinion, no importance, never truly included and absolutely my feelings went unheard and did not matter. We can say it was the age difference, sure, that’s part of it…but that’s also just an excuse. Things could have been done to validate my importance too.  I had Charles bullying me….I had my Dad assaulting me. I was so alone.
My internal voice wants to shout: Why did nobody see this? Why did nobody help me? Where were my siblings? I guess everyone was doing the best they could…
Literally anyone looking in knowing the truth could have easily assessed that this was a horribly destructive environment for any child to grow up in. I know dad was doing this to all the kids. I wasn’t the only one. It is absolutely stunning to me that through the years of my life I have consistently been blamed by my Mary Ellen (narcissist/borderline personality disorder) and the people who chose to listen to her twisted opinions that there was something wrong WITH ME.  I mean, logically the mental health issues I have faced my entire life are perfectly normal and healthy reactions to a situation that was deeply flawed. But somehow the blame has always fallen on me.
The very first thing I think when I think of my mom is her asking me “Whats wrong with you Melissa”. Ive lost count of how many times she has asked me that very question.
I now know that its just deflection. Queen Narcissist cant take responsibility for her actions so she puts it on the person who she always denied a voice. That’s nice. Very loving and motherly. Doesn’t fix the 40 some odd years of my life that I believed her and wanted to die.
Right around age 9 or 10, we move again. I remember it being a big scandal – I think the truth came about that my dad is a sociopath, a pedophile and a rapist. (By the way, that’s in my DNA. I get to live my life connected to that. I look just like my dad. I think like a Painter. It’s fucking unsettling.)  I remember all the pressure to say nothing about the move and to constantly behave as though we were the perfect family and nothing was wrong. So incredibly demented.
I remember a HUGE fight about Seana and Jim2 staying behind in Connecticut. (by the way: I also remember Jim1 leaving for the Marines and wondering where my brother went and why he never talked to me. At one point he came back to visit and gave me a beautiful geisha doll in a glass box that mom destroyed in a fit of anger at me…she intentionally violently knocked it off the top of my dresser in one of her vindictive off the handle rages…Im sure at 8 years old I totally did something to deserve it, right.)
And, of course I remember the night Seana was killed. (why did the man that killed her not serve jail time? Why are bad people never held accountable?) Dad wasn’t there. Again, Dad wasn’t there. As I recall he was having an affair with some woman in Arizona? Mom was already distraught to be back in Michigan. That night, I remember being awake before the call came in…watching the clock radio in my bed… it had a short in the wire that would spark. I was listening to the Beatles: My guitar gently weeps…. To this day, I hate the Beatles.The phone rang. Mom screamed to you “Mary Jane, OMG, Seana is Dead”. I didn’t understand what happened. I just knew we were packing up like we did so many times before to take yet another long drive across country. It felt to me like another move. I didn’t understand death or that my sister was gone forever. I didn’t get it.  
(an aside: I struggled in school. When I was in Beginning Algebra One for some reason that class would make me check out and I would always soul travel to the night Seana was killed and it felt like it was happening to me. I took that class 4 times including summer school before I passed.)
(later, when I was maybe 13, my dog got hit by a car in the street and now I knew what death was so I freaked out like Mom did when Seana died and I remember Mom shaming me: You cried more over than damn dog than you did at your sisters funeral. Very nice. Very motherly. Very supportive and kind of her.)
At Seanas funeral, I remember not knowing what was expected of me. I was just so focused on getting it right and who I was supposed to kiss (because that sexualized stuff was already so ingrained).
There were so many goddamn rules for behavior, (rich white republican ex-military country club going family that we were) and I remember getting it wrong and being scowled at all the time. Mom was always angry and stressed out. We had to BE someone and over and over again: “Don’t forget the family name” and how important our clan was (hilarious that she kept the Sterling last name because her current husband is too ethnic and this sounds classier to her than her own actual last name)….
Meanwhile, My developing sense of self was being assaulted and neglected/ignored out of me and I felt wrong all the time for every single action I took.
I think we moved back to North Carolina briefly and then to Florida? Whatever the case….
Then we move again. Again. Again. Now we are in Florida. Im 10. My parents are getting divorced. Mom is deeply goddamn depressed. My family is falling apart. I don’t know where my brothers and sister are. Everything is exploding. Im powerless and hostage to all this. I cannot underline the importance of that sense of being hostage to a situation that I was powerless to escape and having my feelings and my personhood completely ignored and erased. It consumed me. I wanted to die. I am, as always, the least of moms concerns.
In Florida I was so incredibly dissociative. I was experiencing C-PTSD. I remember feeling numb all over. Having no ability to react to this little girl that fell off her bike in front of me….I just stared at her…the adults nearby yelled at me for doing nothing. I went further into my head. I was so checked out. People just thought I was quiet or shy or retarded. I was deeply traumatized and needed help.
I remember Mary Jane and I sitting on the bed watching this music video by The Cars. In the video there is a woman who is laughing and crying. I remember asking MJ what she was doing because I do that too and I think she told me she was having a mental break down.  
I remember getting a Walkman and listening to the Police nonstop. That was my only retreat from how much I hurt. WHY DID NOBODY SEE THIS AND HELP ME?
I remember during that time that I was given another baby doll. I remember MJ and mom watching me play with it to see what I would do. I felt scared of them both and the creepy way they were lurking to watch me. I felt ganged up on. I couldn’t trust anyone. I was so alone. I wanted to die.
In Florida, I remember my birthday and dad cocking his fist back like he was going to punch me in the face…he did that sick laugh and told me he wished I was never born and that I was a mistake. (later when I told this to Patty she explained he punched her in the face on her 11th birthday. Im related to all that. That’s in my dna.)
My body was changing. I was getting my period. I felt crazy. I was in that HUGE school in Jacksonville and I had no friends and I was so scared. Everything was terrifying….and Dad was getting more unhinged thus Mom has Jim and Lynn move in to protect her and had you come back… and then I remember walking in to the living room in the middle of a sunny afternoon and mom on the pull out sofa, trying to make dad jealous, was fucking the guy who was there to buy the house  that we had just moved in to because we were MOVING AGAIN….
Not to mention, I remember MJ and I quickly taking Dads gun to the beach to bury it so he because he wanted to kill us all.
Im not even 13 yet….. Are you exhausted?
Any one of these things would make a fully functioning stable adult fold like a house of cards. “Whats wrong with you Melissa?”…. It took something like 20 years of therapy but now I have some clues to answer that question. Here are some more clues:
We finally make it to Boone. Mom followed her best friend, Mary Jane. After all that… that incredible pressure cooker of my pre teen childhood we arrive in bumfuck nowhere, North Carolina….and everyone is gone except the sociopath brother. The house is basically empty. Everyone abandoned ship. Where did my brothers and sisters go? I remember coming home after school and there would be nobody home. For my entire life I had come home to my family but now there was no one. I would sit on the couch and watch the clock with growing anxiety and cry until mom came home from work. It was beyond torturous. And then she would be pissed off that I needed her because she just got home from work. At this point Mom is just angry and exhausted all the time. She had to get a job outside the home for the first time in her life which she hated, she was sick of being a mom…she wanted it all to be over so she could have HER life. Charles was getting more and more abusive- physically and mentally and had to be sent away for our protection.
And then she starts dating Don Bailey. I think the sex must have been amazing because the guy was an utter low life. He was living off of her/my child support money… and beating the shit out of her. Their fights were never goddamn ending. I would hide in my room after school and not come out. I was so alone. I had no friends and no escape. Mom was friends with Mary Jane, not with me. Mom wanted nothing to do with me. One day we were driving home and I was so attached to her. I needed my mom so goddamn bad… I was struggling to make friends at yet another new school and the PTSD made me feel so distant from everyone but I had no words for what was wrong with me I just thought I was terrible at making friends (I remember this: pathetically I checked out a book at the library: How to be your own best friend)… She pulled the car over and told me “we cant be friends.” Mom has some glorified memory of us driving around looking for our favorite tree in Autumn… the only thing I remember is that conversation…her rejecting me when I needed her the most… after we moved to the town my sister lived in so she could be close to her.
Again, still no help with the major depression, the CPTSD… just a lot of blame “why cant you be happy Melissa…whats wrong with you?” and I cant be clear enough about this: all her spare time at home was spent on Don, not me. I didn’t have clubs and groups and activities that she as sure to enroll me in. I didn’t have my brothers and sisters there with me. It was just me, after all that, trying to figure it out.
I was a burden to her. She couldn’t wait to get rid of me and be done. I felt it always.
An aside: When she was unsure if she wanted to stay in Boone, I remember her asking Charles if we should stay or go back to Florida…after he chimed in with his answer, I gave my opinion which she angrily scoffed at me and told me it didn’t matter what I thought, Id go where they tell me to go.   My voice didn’t matter, I was a burden to her. I had no value as a person. I was powerless. So there I was in my bedroom that was the walkway between the living room and her room… at the mercy of whatever happened with no privacy or power over my life….. whats new.
Another aside: During that time we had gotten a dog that was a total pain in the ass for her to take care of. She gave it away while I was at school. I came home and the dog was gone and I was tearful thinking it ran away. She gave my dog away without telling me.
Then we moved out to Valley Crusis (9 miles outside of town…so isolated. I was so alone. The isolation was killing me. Where were my siblings. I needed help. I needed someone who was just there for me.) and Dons abusive behavior got even more extreme. I remember him picking me up from a concert that I was at….because he had sent Mom to the hospital with a sprained wrist and a busted lip. He was laughing about it when he told me to get in the car. Another time I remember Don looming in my bedroom door when Mom was at work and it was just us in the house… telling me: “Go ahead and call the police, nobody will believe you anyway.” I remember the woman who lived up the hill from us, with the curly hair…I think her name was Susan… coming down to the house while Mom and Don were gone and telling me If it ever gets too bad, you can always run up here. The neighbors knew I needed help. Where were my brothers and sisters? Where was my Mom? FUCK.
I remember Mom having many off the handle rages at me because I looked like a boy and my hair was crazy and I was so fucked up. I remember one morning after she had raged at me so hard that I was in stunned silence… we were sitting at breakfast at St Sinners and MJ kept looking at me, she knew something was wrong, I was clearly checked out and fucked up. I needed my sister. I had no voice or ability to speak up. I was scared of her husband, Glenn. Nobody helped me. Mom was the star of the brunch party!
I remember getting my first job at 15 and working at St Sinners…. Then, when mom bought the restaurant I stopped getting paid. She cut me off from my paycheck and told me it was my “duty to the family”… but she had Jim2 and his first wife Lynn there working and they were getting paid…and also stealing her money to fuel their coke habits. She didn’t value me, or my efforts but her golden son Jim can do no wrong even when he is fucking her out of her business.
I remember Jim2 offering me coke at a house party and John Golden and another friend getting me out of there away from my own brother. I remember Lynn being LIVID that I would stop by their house when I was lonely and wanted my family but instead I got shamed for thinking I could stop by and see them…and mom would tell me that “they had BUSY LIVES and I should leave them alone.”
I remember being so fucked up and alone in Boone….I mean, I now know I was just in shock and experiencing major depression. Mom kept asking me Whats wrong with you Melissa…when I was your age I had to choose between boyfriends… etc. Its incredible to me how Mom normalized my childhood abuse and completely erased my feelings or my personhood then blamed me for somehow being a problem child or wrong in whatever way….more incredible: people believed her.  
During those years in Boone I remember her doing things like openly making fun of me when I thought I might be gay, fixing regular hamburgers and telling me they were tofu when I became vegetarian…starting a burn pile in the back yard full of toxic things after I told her how important recycling was to me and laughing at me as I cried…..every chance she had to make me feel awful about being me and disrespected she took.
Once I visited her at her office and she told me I was “too ugly to look at and she didn’t want anyone to know I was her daughter and to never come to her office again.”
Shes right, we were not friends. She was a jealous mean girl, obsessed with appearances and her shitty boyfriend.
Lets not forget when she, with Mary Janes help, stacked my portfolio with MJs lithographies and coached me how to lie to get me in to Governors school for the summer. She wanted me gone and she got her wish. I remember feeling like a fraud that summer. I wasn’t good enough to be there. I had to lie to be included. I remember she didn’t even drive me there. She had Don do it. He harassed me in the car all the way there, 3 hours…. then dropped me…16… off on the curb in front of the college and drove away. All the other kids had parents excitedly helping them get set up in their rooms…excited about their major accomplishment of getting in to Governors school… I was there with my milk crate of shit, a fraud. alone. Acting like a tough girl who didn’t need anyone. I was a pro at that. Mission accomplished, she was rid of me.
I remember how deep my depression was becoming by the time I was 18. That last year of high school I would bang my head against my bedroom wall in an attempt to knock myself out, in hopes that I would get sent away to a treatment center or something. I couldn’t take all the fighting between her and Don. I fucking hated him and he was in my house and there was nothing I could do about it. I tried to throw myself down the back stairwell at school. I barely graduated high school my depression was eating me alive.
Amazing that nobody IN MY FAMILY SAW THAT I NEEDED HELP. I was invisible. Mary Ellen cast her proclamation that all was well, she was amazing and I was a problem child and that was that.
I have a million stories about Mom demoralizing me during those years…. Whats weird is that I have no memory of my Mary Jane there. I think she was so involved with Glenn and way up the mountain, I had no way to reach her. And I was scared of her husband Glenn. And, we were never close. And, she was Team Mary Ellen…. So I was just alone and wanted to die. Sincerely. Goddamn. Let it end.
I remember Don telling me that Mom was using my child support payment to make her car payment. So I asked her about where my child support was going and she told me she used it for my Blue Cross Blue Shield Insurance…. So I called the insurance company to see if I had coverage…. They had no record of me. She was, again, a liar….
When I graduated high school she couldn’t get me out of the house fast enough. She pawned me off on my boyfriend Gebeaux and expected him to simply take care of me. We broke up. He didn’t sign up for that. I was basically kicked out of the house in valley crusis. I wasn’t prepared for life on my own. I wasn’t ready. She just wanted to be done being a mom so Hey..I came back to the house one day and all my stuff was packed and that was that. I had to figure it out. Fuck me.  
At one point during that time I was living in a trailer with my friend Stacy. Mom was horrified about this. I was getting food stamps and she was so ashamed of me for being so low class. She came to the trailer and was completely off the handle. She said there was “no air” in there and grabbed a 2x4 and smashed out all the windows. Mind you from her perspective it was just another example of what a loser I am, living in a trailer on food stamps how did I end up such a piece of shit when she is such a wonderful mother… it must be because there is something inherently wrong about me.
She has seen me as trash who is incapable of being anything great my entire life.
Somewhere in there she stopped dating Don and started dating lawyer Rand Sterling…who broke her ribs multiple times and literally pushed her out of a moving car and then she walked 5 miles back to his house to be with him.  That relationship took her to Texas. She followed the money. The insanity of that relationship is all I heard about from her. She needed Jim2 to come protect her from her husband multiple times. I absorbed all of this through her very rare but insane emails to me. She has always used me as her emotional manipulation dumping ground.
I had my first total mental break right around 19 years old. I was fetal position on the floor at my girlfriends house… Jenn… I couldn’t stop crying for multiple days and I felt my mind split in two. I literally went into a black hole and was begging for death. Jenn and the next door neighbor scooped me up off the floor and drove me to the Watauga County Mental Health and got me some help… but at this point I was having a total mental collapse… the part of me that was traumatized was a child denied her voice or any recognition of her Self, so I had no way to articulate what was wrong and Mom had denied and normalized the abuse and denied me voice and my personhood for so long that I had ZERO chance of articulating what was wrong… it was buried so deep inside of me and I was so scared to trust anyone…. I was experiencing schizophrenia and Major depression.
Jenn helped me with my depression. Jenn made sure I was housed and fed. Jenn took care of me. I owe her my life.
I mean, that is an extreme mental health episode. Where was my family? How could none of the people who were supposed to love me the most see any of this? Why did none of them help me? Why did all of them think I was to blame? (my guess: Team Mary Ellen)  
Somewhere in that year my friends were moving to Chapel Hill so I packed up the car that my child support paid for and I went down the mountain. She threatened to call the police on me for stealing the car.  She told me I needed discipline and needed to go into the Army. She just didn’t know what to do with me…such a problem child. If I remember correctly, you echoed her sentiments. Everyone was always so angry at me for being so wrong and so bad. None of my family (meaning MJ and mom because my brothers had long bailed on me and my extended family has never made a single attempt to reach out to me or know me at all.)  were my friend, or loving, kind or compassionate.
I got away….I went to Chapel Hill and lived with my best friends Kerry, Lesley, Julie, and two other guys in Kerry’s Moms rental house. I was working at the Columbia Street Bakery and dating this boy, Richard…. Who happened to be a really abusive drug dealer… who held me down one night and violently orally raped me and when I called mom for help she told me with the exasperation of a mother who had supposedly tried so hard to do the right thing and raise her child with love and support but that child was just tragic and terminally fucked :
“I don’t know whats wrong with you Melissa, I guess you just like the bad boys.”  
Again, no self reflection on her behalf…she did nothing to help me.
I didn’t know how to get away from Richard who was playing mind fuck with me and I was getting high with him (LSD) …which was basically, me being drugged and him using me for sex but not being loving or kind in any way (felt like home)  Eventually, Richard got busted for selling a page of lsd to an undercover cop and threatened to kill me because he thought it was my fault… so I had to get out of there and I went to New York to chill out and work for the summer at the Omega Institute of Holistic Learning… to just be around hippies and eat good food. I hung out with Baba Ram Dass and Ben & Jerry…and took a class on the whirling dervish… These moments when I wasn’t in the pressure cooker of my life were both brilliant because I needed healing but also the worst because all this trauma would start to surface and I didn’t know what it was or how to speak about it. I would start to shatter again.
I believed it was my fault and there was something inherently wrong with me.
I was so lost. I needed help. I needed a parent or loving compassionate family or someone trusted to guide me through that time in my life. I had no one but my friends from North Carolina who were just as fucked up as me. I needed help. I needed help. Oh my god, I needed help.
Omega ended…I had no money to get out of there, nobody to turn to for help, no clue what to do next, I certainly couldn’t go back to Mom who hated me and was living with Rand so fuck that… I had no idea where my brothers and sisters were and no relationship with them so that wasn’t on my mind as an option…..so I caught whatever ride I could get and ended up in Boulder. One of my friends from Omega hooked me up with her cousin for a month and I tried to make it work… it was basically winter in Colorado at this point and I was out there door canvassing for Green Peace making no money and freezing to death. Just walking door to door for Greenpeace… looking in on other families and their loving lives together. I was so fucking sad. I was hungry and scared and completely out of options. I had to get out of there.
I called Mom for help. She said: “You got yourself into this, get yourself out”…. And hung up on me. The bitch hung up on me. I was stranded and so scared and I needed my mom. She hung up on me. She blamed me. She wanted to punish me for being such a problem. She was done being a mom. She hung up.
I remember having gone to the Planned Parenthood to get some medical help because I was sick. I explained my situation and the nurse looked at me incredulously and said “where are you parents?” I explained to her that Mom hung up on me.  I was devastated, living in a constant state of shock. Scared out of my sense of self or ability to connect to the present moment.
I was a fractured soul in every possible meaning.
My month at my friends place was over and I had to find an apartment or live on the streets. It took me another month of begging whatever guy I could find to give me a place to stay and then I contacted the boy I was dating at Omega, Scott, and asked him for money to get a bus back to North Carolina. He helped me. Bless him. He got me out of there.
I got on the Greyhound and ended up going to Idaho to visit with my friend Stacy (who I lived in the trailer with) and stay with her for a couple weeks to get grounded and feel safe with a friend for a minute. My mental break was coming back full force. I was inconsolable.  I remember laying on her bed fully having an out of body experience from the stress and being so disoriented. She is so patient and kind. She took care of me. When my time with Stacy was up, the next layer of insanity: I got on the Greyhound and took a 5 day no sleep, no food journey across country. I got chased down, carrying all my bags of things and looking like a little hippie… on a layover, by a group of drunk men in Wyoming…they almost got me but I found a laundromat that was open and full of people so I ran inside and hid until my bus was leaving again. I was terrified. By the time I made it back to Lesley and Kerrys house in Chapel Hill it was New Year night…I got some hours back at the Columbia Street bakery I was working at and got some money rolling in.
I want to mention that Poverty, which I have lived most my life in, is no joke and more damaging than anyone outside of the experience can understand. It is cyclical, like bi polar…. Living paycheck to paycheck or however you get just enough to maybe hold on for a moment longer but never knowing if more will be coming is a terror. Always feeling like the bottom is going to drop out…and never knowing when youre going to eat…and what that does to your hormones and your mental health…. Poverty is proven to damage people on a cellular level and have lasting effects that lead to chronic illness.
After making it back to NC, few weeks later the boy from Omega came to Chapel Hill and told me he wanted to marry me and wanted me to move to Boston with him. So we took a little road trip and eventually ended up in Boston. As a surprise to no one sane, that was not a lasting relationship. So after a year of misery in Boston, (more poverty, more loneliness, more no family) Scott drove me back to Chapel Hill and that’s when the girls and I all moved up to Asheville. All the while, checking in with Mom who was yelling and shaming me for being such a fuck up.
I can’t underline enough: I was disassociating the entire time. I was having episodes of schizophrenia. I was experiencing major depression and bi polar disorder. The stress of my entire life was more than I could handle and I had no support and no compassion and nobody validating my experience or me as a person. People just thought that was who I was. I was just fucked in every way possible and believed she was right and all that was normal and I was a terrible piece of shit. She had everyone believing that.  
Mary Jane believed her. She echoed her sentiments to me. Go Team Mary Ellen.
I moved up to Asheville and got somewhat stabilized. I was again living with my friends and I got a decent job at the Laughing Seed Cafe. I met Mark and I had decided to go to college because I thought that would make Mom happy and I needed to DO something with myself.  
Mark and I were together maybe 8 weeks before we moved across country and started a life together. Eight weeks.
I was so adept at being a high functioning  dissociative major depressive and I had no way to articulate what was wrong with me (all that stuff that had been normalized and ignored…all the ways my feelings and personhood was erased)… I just knew something evil bad was in me and it took me out from time to time. I thought it was my fault and I was ashamed of myself.  I was living in a constant state of shock. CPTSD.
So, I get myself into college and thanks to Mark and his truck we move across country.
When I hear my friends now talking about saving money for their kids college and really setting them up for success by helping them choose a school and get settled in or making sure they don’t have to work so they can focus on their studies and have a healthy social life with friends and do activities Im so confused. I didn’t know parents and families helped their kids with such things. I didn’t understand that in other families they help, protect and support. I made it through without any of these blessings.
Mark and I get a shitty apartment (the ceiling caved in out of rot and the place was full of roaches. The property managers stole my drum set and we would catch them on the roof at night peeping through the skylight to watch us), I get a full time job managing a restaurant…in addition to schooling full time...Im overwhelmed by the workload, scared to be across country, freaked out by college and the expectations… it was too much. I was away from the source of my abuse and things started to surface… I NEEDED HELP.
I needed my family except, honestly, I have none. Additional mindfuck: when I tried to talk to people about this I get the old trope about how everyone has tough relationships in their families and I need to love my mom and work it out with her.SO I KEPT GOING BACK FOR MORE WITH MOM BECAUSE I NEEDED HER LOVE SO BAD AND I THOUGHT THE PROBLEM WAS ME. Further, because I was so regressed I just sounded like a petulant child when I tried to talk about the abuse I had no accurate words for so nobody outside the experience really got it or could conceive how bad things really were for me… why would they? My family is extraordinarily fucked up, like nobody I have ever known.
In college, nobody comes to check on me and make sure Im ok. Nobody was calling. Id get rare emails or letters. When I would tell mom how hard it was, mom would mock me and tell me to suck it up when I would reach out to her and “complain” about how things were going for me… See, because its always my fault and Im never measuring up.
An aside: To this day, 40 years later, Jim2 has yet to even send me a single email to check and make sure Im ok or get to know me at all. He has never responded to the multiple emails I have sent him, so I stopped reaching out. I used to cry to mom about it and she would tell me that he “has a busy life” and I had to understand that’s why I wasn’t a priority to him. Personally, I cant imagine anything being more important than making a connection with your little sister, but I guess Im biased and not like him: busy getting high and drunk and being a cool party guy.  
During my college is when he married Lori. I worked over time and got a plane ticket to be at his wedding. I was sick to my stomach at the idea of having to be around my family but I love my brother and I wanted to be there. He ignored me the entire time I was there. I was a HUGE FUCKING DEAL that I could afford the ticket and made the effort to be there for him. I showed up for him….He ignored me. I was devastated and felt invisible and so worthless.
Another aside: I was 24 and that very first Christmas on the west coast Mom calls me, driving herself to the ER to get her stomach pumped from a suicide attempt. She was dramatically telling me her goodbye in case she didn’t make it. I was stressed and powerless beyond the telling of it. I cried all the way through that Christmas. Again: Mom always uses me as her emotional manipulation dumping ground. Out of all her children, Im the one with heart and she gets the sympathy she is working me over for.
During my college years, I would ask Mom for help she would mock me “Im sending baby Sava (MJs daughter) a care package…are you a baby? Do you need one too?”
Mean girl jealousy that I went to college and her life was taken from her by her children….
In college I had no friends, just Mark. No time for activities and my mental health was so fragile I had no ability to form friendships. I was barely hanging on. I would be catatonic in my time at home. We had this geometry screensaver on the computer and I would be frozen staring at it for hours while my brain felt like it was going to shatter. I was an absolute wreck and a shell of a person…but I was determined to prove I could graduate college and I wasn’t a fuck up. I wanted Mom to be proud of me.
I guess it should come as no surprise that after 4 years of no time off, working and schooling 80 hours a week, getting zero support emotionally or financially from my family …. that absolutely NOBODY FROM MY FAMILY CAME TO CELEBRATE ME AT MY GRADUATION.
Nobody came. Nobody celebrated me. Nobody saw the value in me or my hard work.
I remember being on the phone with Jim2 the day of my graduation. I had called him to ask why he wasn’t there for me. I was in tears. He told me that if that was the worst thing that ever happened to me, congratulations on your nice life. He thought it was bullshit that I was so upset. He thought I was being a baby. This loser dropped out of college which he had a scholarship for and did nothing with his life but drugs and alcohol and saw no value in me or what I did on my own. He didn’t show up for me.
Me going to college and graduating on time with full credits was a major fucking accomplishment on so many levels.
Not one of my family was there for me and I will never forgive or forget that.
We moved to the same fucking town Mary Jane was in when she was in college and never ONCE did anyone come to check on me and be interested in what I was doing or validate how amazing it was that I was in school and making it happen on my own.  
When I talk about how alone I feel in life, its in my bones.
I had worked over time to get Mom a plane ticket so she would be there for my graduation and she called me a couple days before to tell me pathetically “She couldn’t get the day off work.”  (Lie: I think she has some legal issue and couldn’t leave the state or something like that.)
After she called to bail on my graduation… at 27 years old… I had a heart attack on my walk home. I collapsed in my living room. Mark found me on the floor when he got home from work. She literally broke my heart. I was devastated. I was in shock. I was dissociating. I was so fucked up. I needed help. Poor Mark. He didn’t know what was wrong and neither did I.
Shortly after my graduation, MJ graduated and she drove to see her and was sure to tell me about it. I mean, they are BFFs so, no surprises there. GO TEAM MARY ELLEN, right?  
Whats wrong with you Melissa? My family. My family is whats wrong with me.
During college I was stressed to the point of being catatonic when I wasn’t at work or school. My mental health was tanking in every possible way… but the pressure cooker of school and work kept me hemmed in and my desire to prove that I was someone worth loving (because god knows I wasn’t going to be loved just for being me…No one was simply going to show up for me or simply be there. I had to earn it.)
…. then we moved to Seattle and I had three years at Amazon in that pressure cooker of a job… (10 to 14 hours a day, 6 days a week) working as a Lead running a team of 200 people to keep me too busy to feel my feelings or connect to emerging myself.  
At some point after I graduated and it no longer mattered, I remember MJ came to visit me one time. That was nice of her. Thank you for trying, MJ.
But heres the fun part: Mark. Mark loved me.
Mark is the very first and to this day ONLY person who has been intimately involved in my life who loves and respected me just as I am.
It was Mark loving me that allowed me to start developing a voice and for that very young very traumatized person inside of me to start coming to the surface. Mark was the very best thing that has ever happened to me….and, ironically, it was because he loved me that all that evil finally came to the surface…and was our demise.
All the things dad did to me, all the never ending abuse from mom that sought to vilify and demoralize me… all of the hurt from the abandonment from my brothers and sisters… all that evil came up because he Loved me enough to make me feel safe and supported…I just didn’t know that then and couldn’t see or feel that he was the most tremendous gift this life has ever given me ….
and I started sexually assaulting myself in my sleep (woke up one time with an entire box of tampons inside of me and had to go to the doctor to get them all out). I would throw punches in my sleep. I was having an utter mental breakdown/ breakthrough… and then I started acting out sexually with other men that I met online. I felt like I was being puppet mastered from some evil unknown source. I was manic and acting out sexually. That default programing from my childhood was calling the shots. I didn’t have a sense of self so I was acting from what I knew and what Dad taught me about myself and the self-worth that mom made sure I didn’t have.
I say acting out sexually. What I should say is reenacting the trauma…which there was so very much of. I was on auto pilot and at that time if you asked me if that’s what I wanted to be doing I would have said yes out of programming but the core truth of who I am knew it was not at all right or who I am or what I wanted…that core didn’t have a voice yet.
2001, Amazon had laid us all off. I got hired working at a treatment center for abused youth.  I was major depressive and would be fetal position on the floor and cry for a month at a time but I didn’t know why or what was wrong… I was just deeply goddamn depressed and wanted to die. All the time. Goddamn. Let it end.
Poor Mark. He didn’t know what was happening. He was the perfect boyfriend. He tried so hard to help me. I honestly could not have asked for a more perfect man to come in to my life…and he was stuck with me. Mentally fucked Melissa with no clue what was wrong… and worst of all, I thought I had to get out of my relationship with Mark.
Crazy,right?….I asked Mom for help. She had no relationship with me and no clue what was going on in my life…She is a complete train wreck of a human and so deep in her own denial and so wrapped up in her latest abusive relationship with a rich man that she could honestly give a fuck about me and thought the worst of me anyway… so yeah, break up with him and oh my god Melissa I don’t know what to do with you.
I kept cheating on him over and over again. I was off the rails with my manic depression. Spending, fucking, driving my car too fast…. Through a chat room, I got mixed up with a man that felt like Dad to me and I was entranced and captive to him. Mark asked me to marry him and I broke up with him, moved out.. I was off the rails with the sexual acting out/re traumatizing myself.
(Mark immediately met the woman he has since married and has been with for the past 18 years. I would give anything to have that man back in my life…Throughout these years, my memory of how he treated me has been the standard by which I have held all other men and nobody measures up….Beyond his character and integrity, the art, music and intelligence that lives within this handsome and kind man is incomparable. I blew it. Fuck. I pushed away the most incredible man I ever knew and he loved me. I still love him to this day.)
At that same time I heard a rumor at work that one of the counselors (reggie, 24) had slept with a client(raya,16). I knew reggie was capable of it (I had slept with him) so I reported it to the Unit manager, Big Mike. ……What I didn’t know is that Reggie, Mike and the guy I was so into, Cash were all friends who grew up together and in the same gang……
and so it was that month that I moved out from Mark that the man that I was so “in love with”, Cash, drugged me at a house party and raped me with 4 of his friends to teach me a lesson for reporting Reggie.
I remember sharing a beer with Cash and then feeling tired and dizzy and asking to lay down and then multiple hours of being barely coherent and having no control over my body and being passed around for everyone to fuck over and over again.
Cash was a sex trafficker and grooming me all along. No wonder he felt like home. My need for family and my daddy issues in full effect, I couldn’t break the spell. I was terrified of him and wanted him to think I was so sexy…..He was masterful with the mindfuck and kept me under his thumb at all times which felt like attention and love to me and was intense enough that I could feel it.
At that time, in Washington, you had a statue of limitations of 8 years to report a rape.
Mind you, I was so dissociative and still had no idea I was a person or had any rights to my thoughts or my body… I was really goddamn checked out at that point in my life….I was in shock. The childhood assault trauma was just surfacing and I had no words for it because it had been normalized and my feelings negated by my parents So, I didn’t know if I had been raped or not….it took me years to figure out that its wrong to drug someone and have all your friends fuck them…
I didn’t know I should or could ask for help. I didn’t believe I could be helped. I didn’t think anyone would help me. I didn’t know I was a person. I didn’t know I had rights. I didn’t know I could escape or how.
ANYONE CONFUSED ABOUT WHY I DIDN’T KNOW HOW TO GET HELP OR THAT I DESERVED IT???????
Whats wrong with you, Melissa?
In the meanwhile, Cash was making sure I wouldn’t report it.
He knew I was away from Mark, had a history of sexual assault and no family, and that I lived in absolute poverty so there was zero chance I could escape him.
I was in so much trouble. I needed help. I called Mom. I explained that it all to her. I explained that they were a gang. That it was sex trafficking… that I needed help…. To which she said “Let them play godfather. Whats the worst they can do?”….. (nice way to minimize the extreme danger I was in and negate me as a person, don’t you think?)
that bitch loves to see me suffer and struggle, doesn’t she. Doesn’t it make her look amazing when I look like shit? So she didn’t help me. She shit talked me to the rest of the family like I wanted to be in that situation because I was trash. Nobody helped me.
I remember talking to Mary Jane around that time explaining that I was getting counseling and she, like mom, shamed me and told me I didn’t have bipolar or something like that… She was Team Mary Ellen all the way and me getting counseling was just attention seeking or something like that.
See, this is why MJ and I have never been friends or close. I cant trust her. Shes not someone I think of as an ally. Sorry about that, MJ. Im not trying to be mean but… look at why I think that.
I really do look up to her though. She is so smart and capable. But I cant trust her and this is why.
By the way, here’s just a few of examples of the worst they can do while “playing Godfather”: They were so invested in making sure I never spoke about the rape they made sure I was living in such constant fear for my life (mental domination) that I was too scared to talk to anyone about it:
*They had voyeur cameras in my house…that they were making money off of.
*They had software on my laptop to collect all my personal data (social security, passwords, answers to security questions) so I am owned by them to this day.
*They had GPS on my car to track me everywhere I went and would leave notes on my car to let me know I was constantly being watched.
*They flipped my therapists office and stole all her files to make sure there was no record
*They poisoned my dog every day for a month while I was at work…I would come home to Milo cowering in the corner like he had been abused all day long and diarrhea all over the floor until one day I yelled out in my home with nobody there that I would find Cashs son and do the same to him…and I went online and found his childs home address…yelled that out to my empty apartment…and after that day Milo was never sick again….
*Then there are the 2 times they broke into my apartment in the middle of the night, drugged me in my sleep and did whatever and dumped me at the park. One of those time I woke up with half my face slack and paralyzed as though I had a stroke. By the grace of god I got the feeling back but to this day its still a little droopy.
*They sent their equally psycho boy Alex into my life to keep watch on me. He was horribly mentally abusive. I was so broken and demoralized. I needed to get away. Instead, I got pregnant. Alex also gave me syphilis ..and so I had an abortion. I had to get two Orders of Protection to get Alex away from me. When I called mom for help with the pregnancy, she was off the rails hysterical and I was yet even more scared and alone. Mom blamed me for all of it. Further evidence Im trash. I got pregnant by a mistake by a black man.
There is more, I mean it was 8 years of daily torture… but I think you get the idea. Complete mental domination was the name of their game.
I had no friends. None. I was so fucked up. I was terrified to speak to anyone because everything felt like danger. Just these men showing up when they felt like to to fuck me and terrorize me. Eight years. My 30s. I was miserable beyond the telling of it.
Whats wrong with you Melissa. I needed help. I was so scared. I needed my family. I got yelled at and shamed. I was so alone. I wanted to die. I was so depressed and fucked up. Goddamn. Let it end. And the worst of it all is that I really didn’t even have myself. I never had a chance to be safe enough to develop a self. I was a shell of a human. I was out of my head. I was so checked out with the PTSD and the trauma of it all. I was scared to be alive. Soul fracturing is real.
This was how I spent my 30s. Somehow pulling myself together to go to work during the day because I didn’t want to be homeless, coming home and having a total mental collapse at night and all the while being mentally tortured by a gang of sex traffickers and when I reached to my family for help I got blamed for being a fucked up piece of shit.
I had no one. When I talk about my isolation and how alone I am, its cumulative.  Its all this and more.
I don’t need to volunteer at a shelter on Christmas to be with someone for the holidays. I don’t need to get a dog. I need family. I need to be validated on a daily basis that I matter and am loveable just as I am. I need someone safe who is simply there. I need people in my life who celebrate me without me asking. I need people who are there for those simple mundane acts of living that define us…I need to come home to love.
The miracle: I kept myself employed and was successful in my corporate career path, I kept myself housed, and drug and alcohol free the entire time. I had the where with all to get counselling and try to work through my shit. I never gave up on myself even though I didn’t yet know who I am and my family had absolutely written me off from day one.
Then the Recession happened. I, of course, had never learned money management skills so there really wasn’t any savings to rely on. I was comfort eating like a motherfucker, I had student loans, a car payment and insurance and a foolishly large and expensive apartment, I had these lecherous men that were taking advantage of me financially too… I was manic depressive… I was paying for counselling (which if I am not mistaken over the years has totaled $100k) But to be honest, I don’t know where my money went… so when the Recession hit it took about 2 months before I was selling off everything I own and living in my car….where I stayed for the next year with my dog.
Nobody help me stay safe or in my integrity. I had no friends in Seattle to turn to. Mom told me to put my things in garbage bags and throw it all away…take the dog to the pound… and work with my counselor (she was angry about me getting help because she perceived it as being me trying to vilify her and this was her chance to punish me for getting help) and find a shelter to check in to because I wasn’t welcomed at her home.
Let me say that again: My mom knew I was losing everything, told me to throw my life away, dump my kid at the pound and told me to check into a shelter, I wasn’t welcomed at her home.
MY MOM.
Shes sees me as trash. She threw me away. Doesn’t she look amazing when Im failing?
Work in Seattle was impossible to find. I literally had 700 resumes out. Understand, I have held a job consistently since I was 15 years old and somehow mom thought this moment was me being a lazy piece of shit and just trying to manipulate her for money when I asked for help.
Sure. Ok.
I spent the next year in my car with no money coming in other than whatever odd jobs I could grab on craigslist to make my car payment. I drove back to North Carolina to seek help from my friends and my brother. My friends back home were not in a position to help me in any long lasting way but bless them all for what they did…
but Jim 2, who lives in Raliegh, was. He just declined. He made me a sandwich…told me there was nothing he could do for me (he has three houses)…and I spent the night in my car outside my brother’s house.
I had an ex acquaintance from Seattle who lived in Raleigh. He was part of the abuser sex trafficking gang. He let me sleep on the floor but would beat the shit out of me if I tried to sleep on the couch. I was so demoralized and out of my head, I needed literally anyone to be there for me….so, I stayed there, on the floor, for a month.
My brother was 15 minutes away, could have kept me safe but my brother chose to do nothing to help me.  
Whats wrong with you Melissa. My family. Definitely gonna say my family.  
When it was clear that North Carolina wasn’t going to be any better for work than Seattle I decided to drive back to the west coast. I had to drive through Texas and I didn’t stop at Moms house. I didn’t even try. Why would I?  I was so hopeless and out of my head with depression and PTSD. I was screaming into the great black nothing. I was cutting myself all over to get the evil out. I would punch my own face black and blue from self loathing… again, thinking it was all my fault and that I was defective. I mean… my own family didn’t want me. Nobody did. It was me. I was a horrible piece of shit and deserved to die. Nobody loved or wanted me. Nobody kept me safe. I was deeply lost in the void. I wanted to die. Goddamn. Let it end.
That year in the car was by far worse than the 8 years of being tortured by sex traffickers or the 13 years of living with my sex predator father or the 7 years of being stuck in bumfuck North Carolina with my moms abuser boyfriend stealing the show.
Without question having nobody and knowing that nobody cares if you are safe, in your integrity, have a door to lock, privacy of any kind, if you are fed or showered… knowing for a demonstrated fact that there is not a single person on earth who cares enough to validate your humanity is the absolute worst feeling I have ever known.  Being completely dehumanized, demoralized, erased. I begged for death.
Whats wrong with you Melissa?
Fun fact: during that time, instead of helping me or offering me a job at her business doing the exact job I did so well at Amazon (I asked for one and told her I would sleep in the attic at the office and she told me No), to mock me and show me what a failure I am and that I was just trying to manipulate her for money because Im a lazy loser
Mom went to her local Costco and applied for a job to show me how easy it was for her to get hired.
I mean, if youre going to be void of a soul, you should really go for it. Kudos, Mom.  
I drove through California on the way back home to Seattle and met my sister Patty for the first time. We look like two peas in a pod. We think exactly the same. She is undeniably my sister. It was the most incredible feeling.
For the first time in my entire life I actually felt and thought the same as someone else.
She casually declined to introduce me to her family. They kept looking at me incredulously because we look just the same… but she would shoo them away when they would come over to talk. I met her at her restaurant and then she took me to her palatial home. She has a huge family. She had tons of photo albums… and then she started talking about Dad…like she was in a trance and talking about a favorite lover… it was clear that Dad had sexualized her and maintained that relationship with her well into her adult life and that was the reason she had no contact with us and didn’t want a deeper relationship with me. One conversation was all I got with her. I slept in my car outside her home. My sister didn’t help me. Whats wrong with you Melissa???
In one shot from LA I drove back to Seattle. I figured out that the Queen Anne neighborhood had the lowest crime rate so I parked there. I was so sick to death of all the nights that year that I would wake up with someone trying to break in to the car. Thank god I had Milo with me. He saved me multiple times from intruders that year. My body was a wreck from car living and shit food. My mental health beyond destroyed. I was really just done. Run through. All the way run through.
I did a brief stint staying in Silverdale with my friend from NC that I managed to re connect with on my drive back… but the hour drive into Seattle from Silverdale was too much so I lumped it and just slept in my car in Queen Anne once I secured my job…..
I went in to Top Pot Doughnuts every day for a month and demanded a job until they gave me one. I was 8 weeks into that job, still sleeping in the car but I had forward momentum when I totaled the car. I had the very last car payment in the seat next to me I had worked so fucking hard to maintain my payments in good faith despite it all and come out of that situation with my car but nope…fuck me. I was on my way to the gym and I was giving myself a pep talk telling myself everything was going to be ok….and I ate it…40 miles an hour into a stopped truck on the West Seattle Bridge. Entirely my fault. Milo went to the pound. All my earthly belongings went to the impound yard. I went to the ER…. And I called every single person I knew and who I thought could help me.
Just when you think you have nothing left, turns out you can go lower. Nobody returned my call.  
Me, the unwanted, loveable piece of shit. I could die and nobody cared. Whats wrong with you Melissa?
I got out of the hospital, I had made contact with my online friend Rishad and he let me stay for a couple days… BLESS HIM… In those two days I got on the bus. I took the bus that goes through Capitol Hill and up to Queen Anne where my job was. I wrote down every apartment for rent phone number I could see and I started making calls. In the first true lucky break I had in years, this apartment manager woman at a really sweet little apartment on the hill heard me out…heard my story… it was the 15th of the month. I had my car payment check and I cashed it and gave her the money… She gave me the keys and a wink and told me I could move in “on the first”, that’s what the money I gave her would pay for…. and that she definitely didn’t know anything about a dog so no pet fee was needed.
I went right upstairs, LOCKED MY OWN DOOR and laid on the floor with literally nothing left to my name and cried so fucking hard.  
I had whiplash from the accident. I fractured 4 molars on my steering wheel and over the years as my dentist promised they have slowly one by one fallen out of my face. I had broken both my feet and wracked my knees…. But I had a place that was my own and a job and that’s all that mattered.
I went right to the pound the next day and got Milo. I went to the impound lot and got what was left of my life. I missed a sum total of two days of work…. I was so thankful to have a job again I blocked out the pain from my broken body and I just kept going.
(Mind you the only thing Mom has ever been proud of me for in my lifetime is losing weight. That’s what got her attention…that’s what she was impressed by. I went on a diet.)
That next year, I lost 70 pounds at the gym. I perceived my training team as the family I never had and I was good at lifting weights. They weren’t honestly my friends or family but it was something consistent and I needed that stability and I needed them so fucking bad. It took 5 years to start to return to a somewhat functioning human... Lifting helped me get back into my body and stop checking out so much. My nutrition plan made me focus on myself every moment of every day…and nothing beats depression like clean food and working out. Structure and consistency.
My PTSD was off the rails though. I was worse than a soldier coming back from war…I never signed up for that shit and it started when I was a child. I was suffering. I wanted to die. Every moment of every day. I was miserable to be around. Nobody wanted to be my friend. So, trust me…just work and the gym with my illusion that people were there for me and me inappropriately and overly attached to them.
The irony is that I looked amazing and strong and I was, yes. The reality is that I wanted to die. I begged for death. I had two suicide attempts in those years….I surprised myself and cut my wrist with my house keys on the way to work one day and another time I walked into traffic but the car swerved.
Coming out of all that happened and processing all that trauma took more will power and resolve than anything I have ever done. It was so dark. I felt demon possessed. I was out of my head. I would find myself walking out of my place into public with no skirt on just my tights or other crazy shit like that. I was talking to myself, having heated arguments with nobody there all the fucking time. I was punching myself in the face. I was cutting and other such self harm.
It was really bad. I was hurting so fucking much.
And, I had another sociopath boyfriend taking full advantage of my disadvantage…keeping me fucked up because it kept me there for him. Thomas was in my life for 7 years. Absolute Scum. But he was the only person who would show up in person for me. I needed to be held. I was so out of my head and I still had no friends in my life…just people on the internet.… So again, this familiar situation: I just let him use me so I could have literally anyone there. The social and emotional isolation was killing me and I was convinced I was in love. He felt like home. He kept telling me we would be together if I waited. That he loved me. That I was the Key! I was the only time he was happy. The reality was he wouldn’t speak to me during the week. He would just show up on a Friday or Saturday night when he felt like it, from 1am to 3am…literally show up with his dick out to fuck me…very often wouldn’t speak to me when he was there…then he would leave and that was what I considered my relationship and love. It was about 2 years into our “relationship” that the truth slowly started to surface that he was in a long term relationship and he lived with her….
The details of how twisted he is and how he manipulated my daddy issues is disgusting. How he used neglect to keep me working so hard for him to be there and begging for his attention….really sick.
He felt like home which is the worst part. He was exactly like home.
It took me three years at the doughnut shop to get emotionally stabilized enough to make a plan for next steps. I was too emotionally fragile to go back to corporate work or be in an office environment. I knew I wanted to go to massage school and I really thought it could be an answer for me even though Mary Jane and mom had previously shamed and mocked me when I said I wanted to go. Mom didn’t think I could be anything better than a waitress. She told me to stop complaining that I hated my work and just go do it.
It was around this time that I had to move out of the apartment because they raised the rent by double on my sweet apartment and I found my way into squatting in my Art studio, where I have been for the past 7 years.
This studio has been so needed and healed me in so many ways. It is private enough to have a complete mental collapse and since it was a former isolation tank/jail… Nobody can get in here….bars over the windows and a steel door…so, I could sleep at night for the first time in years. The rent is crazy affordable which allowed me to go to school and later afford activities to try to learn social skills and be a real person in the world…. This place is my everything.
When I had my first art show… consisting of the photos that I took when I was living in my car. One of the ways I survived and changed my paradigm to get out of the car alive was that I would walk around and task myself with Looking through the eyes of Love. I would try to find one thing each day that I could see beauty in so I could continue to see good in the world…thus my collection of flower photos that I maintain to this day as my gratitude practice.
Mom picked up the phone and called me the night of my show.
(Mind you, she has never been there for me. Over the years since she kicked me out I think we have talked on the phone maybe 10 times. There have been years where she refused to give me her phone number…she made a game of it for years…I would email and ask for it she would say she was going to give it to me in her reply but never would. Then she finally did and a week later she changed it again. Psycho. Another time I can remember a time we talked on the phone and I ended by saying I love you and she was silent and struggled to say it back. Whats incredible is that she has always pretended to be someone who knows me and knows whats going on in my life and talks about it with such authority. This is a narcissistic abuser in action. What she was doing was scanning my social media and whatever scraps of information she could get and twisting it into whatever story she needed to support her storyline about me being a problem child and a fuck up and what a wonderful mother she is so she could continue to live in denial. She cant face the past and she has never done any work to own her part or apologize. So, now Ive cut her off. She does things now like call the place where I get my mail and had the people who run the PO box office tell me my mother called and she is worried about me and she asked them for whatever information they had on me -so I had to get a new PO Box place where the owners have English as a distant 2nd language-  or she will go through my friends list on social media and contact people to see if they will keep tabs on me for her and share her story about what a problem I am and how she is just a loving mother who I have scorned and of course people believe her. She said the magic word: Mother. Nobody would suspect what kind of Mother she actually is and they see me all angry, regressed emotionally like a child and so fucked up and struggling in the world so she must me right about me, yeah? Text book actions when you try to break away from a Narcissist)
So…I get into the studio and Im all set up for my show and she called me to say this: “So, youre having an art show huh? You think youre so great. Youre still alone though aren’t you? (the mean girl was jealous that I somehow retained a sense of self and did something neat to be proud and again, she wanted to punish me…the woman is demented.) You know, the longest relationship you’ve ever had is with that damn dog.” And then she laughed at me. Made some shit comment about my basement studio “not having air” and some other bullshit and we ended the call. My party guests were arriving. My self-confidence was missing in action for the rest of my night.   Nice, right? That’s my mom.
Shortly after I get in to the Studio Milo got sick. Really really sick. As I promised him from day one, I would never let him suffer for my own selfish reasons…. So, I rented a car, took him to the vet and had him put down. The love of my life and my great protector. This sweet soul that was my constant source of love and hope for 14 years. When I posted on my facebook thread about his passing, mom commented that she was devastated at her loss. Because, you know… Milos death, this dog that she wanted me to throw away, was about how it impacted HER.  …yeah….ok.
I want to mention out of the context of a clear timeline that somewhere in here I trained for and ran two Tough Mudders. They are 12 mile courses with 20 really fucking hard obstacles. They are designed to be run with a team. I ran them both solo because nobody wanted to join me. On the days that I went to the events, neither my Trainer or the man I was so in love with, Thomas, sent me as much as a good luck text to wish me well or acknowledge my accomplishment. My previously 215 pound ass had shrunk to 140 pounds and, at 40 years old ran a team event solo and made it through in TWO AND A HALF HOURS completing every single obstacle, no excuses…. And nobody who should have been excited and invested in my success said a word.
I was still invisible. I still did not matter. I was still not celebrated by the people who should have been there for me.
I want to point this out: Even I did not think I mattered or what I was doing was noteworthy. I was still so checked out and erased to myself that it didn’t click in my head that my life and all that I was doing and surviving was me doing the impossible.
My friend Luke (who I met online dating but I knew we were meant to be solid friends for life) made a point to come with me to the first Tough Mudder. He spent the entire day out there and he took photos of me… He is the reason that I can now reflect on what I did and actually SEE MYSELF. That gift is immeasurable. Luke evidenced me. Im here today as a whole person in part because of him.  Also of note, the transition time between the apartment and the studio: Luke let me stay with him. He kept me safe and he was my sounding board and my true friend. I have nothing but the deepest most heartfelt love and respect for him. His story is equally harrowing and he is a miracle in action. Thank you Luke. I love you. Youre in my inner circle for life.
Now that Milo was gone and I was feeling somewhat more stabilized as a human, I knew it was time to make my career plan and try to get into massage school. Here is the next great stroke of luck in my lifetime: I went to Discovery Point and I talked to the women that run the school I explained my situation and that I was completely broke. They let me go to school for free in those 9 months with the understanding that I would clean the school on the weekends, make what payments I could as I went along and work out a payment plan immediately after graduation and that they would hold my diploma until that was complete.  OH SWEET MERCY.
My days during those 9 months were 17 hours long. I would manage the café in the morning 5am to 1pm, go to the gym to lift and run from 2 to 4, then to school from 5 to 10pm…all the while walking to get to each place. I was getting something like 12 miles a day. I did it. I made my 9 months of cleaning the school and keeping my life on track ( no cheering section, nobody doing laundry, cooking, keeping bills paid or there to comfort me but me: Whats new?) , I passed my exam and I was on track to move my life forward.
I feel like there should have been a celebration when I graduated because that’s fucking astounding…. but, hey… nothing happened, nobody in my life said a word of congratulations about it. Surprise.
I live alone. I have no friends beyond those that exist on the computer, acquaintances from community, and a few co workers that I have hung out with from time to time and I always make a big deal about that on social media which gives the illusion that I have people, but I really dont. My only contact with others is at work. I go home to an empty room and there is no support or comfort. Its really impossible to describe to people who have people what it is like to live with this constant isolation and utter lack of emotional intimacy and how it eats you alive…but this has been my life.
People who don’t understand tell me to get a dog or volunteer or pay for therapy for companionship. That’s a cruel tone deaf response. People need people and it is reasonable to want to be loved, intimately, from the outside in. What I want is to simply matter, and be loved and valued, and have someone who is there without having to do something to receive that…..
Because I have yet to be understood when I talk about it, I have for the most part stopped talking about my isolation that is to this day very real for me.
Im so lonely I just want to die. Whats new.
In the next year, I was waiting tables still and somehow managed to pay off $10k for my license… on a year where I only made $24k. again, no celebration when I told my co workers about it…. I thought it was a big deal.
During that year I went to the doctor and discovered that I was literally malnourished. I was pushing it too hard with working out and keeping everything on track and my personal trainer wasn’t actually reading the food journal I sent him each night… so I got pneumonia as well….but just kept going.
I also got my Personal Training Cert and my Nutrition Counseling cert that year and started working as a Personal Trainer while I looked for a Massage job. Things were lightening up for me. The tremendous crushing weight of my entire life was lightening up.
But the reality of who my Trainer was and what a fraud he was came to the light. He was sleeping with some of his clients and I have a laundry list of unethical things he, and his business partner, were doing. When I held him accountable that was the last straw for him. He was sick to death of weathering my PTSD and how fucked up and sick I was and how fucked up I was over Thomas all the goddamn time… and additionally I was calling out all the ways he was unethical: I was bad for business. I was bad for him in the fitness community.
He kept gaslighting me to try to get me to leave but that was my community for 5 years and I didn’t know what to do…….So, Matt did whats guys do: Shes crazy… and shit talked me throughout the fitness community.  He kicked me out of his gym and I now have no gym to work out at and no trainers willing to work with me. Thanks Matt! Super appreciate you!
I maintained my own lifting program for another year but honestly, I was in it for the community and sense of belonging that I never had before in my life. Without that and with Matt shit talking me in the background so I had no support elsewhere my program started to slip…. Add to that, I had begun  working full time in massage and my shoulder got burnt out. I have a repetitive stress injury from my Amazon days that was made worse at Tough Mudder when I got my arm yanked nearly out of its socket in an obstacle… so, Lifting started to fade… and honestly, I was burnt out on the regiment of it all. I needed a break. I deserved a huge break.
I think it was right around 2014 when Mom had me come to Houston for Thanksgiving as though we are friends or she was a Mom. The highlights of that visit include her telling me the reason I wasn’t welcome in Houston during the Recession was because her husband Rumi forbade it.
(I forgot to mention that all through the years of her being with Rumi she has painted this picture of him being physically and emotionally abusive. That she was hiding money to escape him and what a horror he is. She had some secret email account that she sent me emails from at one point and told me that she was trying to hack his email to see who he was having affairs with or some other drama….. but you know if you ask Jim2 who his best friend is, its Rumi…apparently they text all the time…so, you know…she loves to lie and paint these horrific pictures of who people are to support whatever her manipulation is to get sympathy or whatever pay off)
Anyway, While I was in Houston visiting her she was acting like everything was normal and fine and that I had just made up whatever it was that I went through during the Recession. She reminded me that since I “left home” at 18 she has had to give me something like $20k in support and implied what a burden I am and how I always have my hand out. She has kept track of the financial support she gave me as a parent and wanted me to feel like shit for needing her. Cool….
Another example of how mentally deranged she is: While I was there we went out to lunch. Mind you, I have maybe $100 to my name at that time. I offered to pay for lunch at this fast food place and after we ordered she commanded me to go pick a table. So I got a booth with a chair. I sat on the booth side so I was facing the café and could see her when she came out of the restroom… I waved her over and she sat in the chair. Unbeknownst to me, the booth side made me taller than the chair side…. She got this twisted angry look and became livid that I thought I was better than her. Paying for lunch and sitting above her like that….. The next day Mom and Rumi started playing a really fun game where they forgot my name and kept calling me “Savannah” (my niece) for the remainder of the time I was there …. You know… because at 44, they saw me as a child. Nothing like a little game of erasing your daughter’s person hood and replacing it with infantilism to let your daughter know you really see her and respect her.
I really hope this is making clear why I have a strict no contact in place with her that I will never change.
Now its 2017 and I get hired at my dream job. The Spa that I am at is beautiful. My co workers are the best. I make really fine money. My mental health is slowly coming together. I got Thomas out of my life and have enough mental clarity now to really see him for who he is.  I had spent yet another holiday season alone and the isolation was killing me, as per usual…so I decided that the best thing for me to do to help pull me out of my PTSD and stop being so scared to be seen or heard would be to go to music school…. Learn how to make friends for the first time in my adult life and be with people who were not my co workers. Try to trust people again. Try to trust that I could be liked for who I am….though rejection has been a very prevalent theme in my life… Try to learn some social skills that I missed out on basically my entire life.
How to simply hang out and play….was brand fucking new to me. Music school was really really really hard… not to mention I have no musical ability and I get triggered by stress pretty quickly and freeze… but I knew it was the right thing to do to reparent the kid inside me who never learned to make friends or be in activities with others and who wanted to play drums…. So hell yeah. I did it.
Thank you to Katy,Tracy,Melissa,and Kiyan for coming out to see a couple of those shows and being there to support me. You have no idea how much that meant to me.
I thought if I could make friends there I would have people to go out with and maybe could have a chance to meet a man and have a relationship… but all the women there were married with children and had little interest in going out at night, and I still wasn’t fully integrated as a Self yet… so that was a bust.
Music school was really me making up for my 20s and 30s when I should have been out at shows and hanging with friends and making art and and dating but instead I was being mentally tortured by my entire life. I gave it a good shot, but Im a mixed media artist not a musician and that’s really that. I have to take it in stride: Bless my heart for trying. Thank you to all my bandmates for being so kind and supportive of me and for being stellar humans
I was in my first year of Music school when I met the most amazing man, Joe. He was magical. He honestly loved me for me and I loved him right back. It was fast and deep and I felt so completely seen and wanted by him and OH MY GOD I NEEDED THAT FOR SO LONG. He made incredible things happen and took me on dates that made me feel like a Queen…. But Joe was terminally ill and two months later took his own life. I was in shock again….but kept going as I do.
Also out of context of timeline: When I got into that sweet little apartment I would go down to Edge of the Circle which was just a couple blocks away and get Tarot readings from Raven and Kiyan. I didn’t know how to simply ask for friendship so I would buy Tarot readings to have someone to talk to. These two helped me so much in so many ways…through their compassion and through helping me develop my Self and my skills. Over and over again these two have shown up as real people who have treated me with integrity. People who genuinely care about me and support me in my developing personhood. Ive made it through because of them and so many others along the way.
The shitty thing about being knocked out of your self is that even though you have people around you who care, you often cant see it or feel it and like a dick minimize what people are doing for you because the all-consuming feeling that nobody is there is so much larger than the gentle loving efforts of those around you…. And what happens: you push away the people who are there for you because they have self-respect and youre unwittingly being a dick. I want to say Im really sorry about this because I know for sure Ive done this.
Also out of context of timeline: Somewhere in here I started working in Tarot and caught a lucky break and got hired at Percys to be their Reader. Huge shout out to Krista who made that so possible for me. That Tarot night did more for my sense of Self and well being than I can explain and I was a success there largely because Krista made it so beautiful and kept that night going for me.
I also want to say Thank you to Tracy, Katy, and of course Brian who were my friends and co workers at the RowHouse Café… through those early massage school years. Endless support and encouragement from these guys, even when I was too fucked up to really receive it or reflect it back. Im really lucky to have met you and have had you in my life.
It was right around the solar eclipse and the night before that hurricane hit and flooded Houston and moms house got flooded that I emailed her a long list of things she had done that hurt me and explained that I would be taking time away from her and Id let her know when we could speak again. The next morning after I sent that email I again felt puppet mastered…. But this time by the little kid inside me… I literally woke up, jumped out of bed and started to dance. I was filled with glee. I was amazed by myself. I don’t know where that came from except to say that the kid inside me was OVERJOYED to be free of her.
In the coming years I kept proving to myself that I wont let her back in and that Im safe now… and as I have been staying true to this practice of not letting her, or anyone like her, back in my life… I have become happier and more whole as a human being…. More capable of making good choices in friends and finances….
She made an attempt to contact me around the holidays this year. I saw her call but let it go to voice mail. The message she left was something to the tune of her wanting to know if I had forgiven her yet and gotten over it. …See, because its about me and what I need to do because its my damage that is the problem here…. Nothing had changed with her. It was still my fault. No apology. No self reflection. Had I forgiven her yet. For fucks sake: I will never forgive her.  
I have learned to celebrate myself, take my self on vacations and to my great delight I had friends who spent time with me and took care of me!!!!!! Incredible!!!!!, give myself the compassion and nurturing that I always wished I had and reasonably should have had from my family. I have been working on being able to see the love that is there for me from the people that I have in my life, though I still struggle with that.  I have been working so hard on Self Love, Self Respect, Healthy boundaries, creating safety and stability in my life in all way and I know that Im doing great work because my inner me, those little kids inside of me that needed a parent are really responding to the parenting Im giving them…. Check this out:
A month or so after I declined her call I was out at the café in my neighborhood, having a treat and a coffee and doing some writing. I was sitting at the table and this incredible feeling came over me as though a golden light was shining on me and I could see it glittering down on me. I started laughing and crying like when you cum really hard and youre filled with ecstasy and bliss. And then I had a vision of being in a hospital room that was in the forest… it was just two walls of the room and then the woods…I could see deer and birds. In the hospital bed there was a person in a full body cast. The cast had moss growing on it and tiny sprouts of pine trees. The Doctor walked in to the room to check on the patient. I was both the Doctor and the Patient. I told myself: Hey, its time to get you out of there. And I grabbed my circle saw and started to cut my cast from end to end and crack to open like a sarcophagus. I told myself Welcome Back! We are so glad you are here!!! Go slow, take your time getting up. No rush.
I was so elated. I walked home immediately. Upon arriving at my studio I had another vision of all the ages of myself, down to the youngest and up to the oldest and wisest all linking hands. I recognized these women as my Sisters/MySelf… all of us agreed that the next would watch out for the next and that nobody would ever hurt us again. SOUL RECLAMATION.
For the first time in my life I am here, in this body, in this present moment. The first time in my life I am ME. Im currently 6 months in to my actual LIFE. THIS IS ME. I AM HERE. OH MY GOD. I MADE IT.
Yes now, of course, the world is ending and my career in massage is tenuous at best and I might be fucked again…. But so not worried because honestly, Ive survived worse with less. So I will figure this out and keep myself alive, housed and fed.
Over the years my attempts to talk it out with Mom were pointless… she would erase my feelings and angrily tell me that it was hard on all of us. She would hold no space for me and just be my mom and have some compassion for her baby girl. Nope: It was hard on all of us so stop complaining… but see, I was a child and they were my parents and that was my family and I had no choice…. So really, at this point, Im done. Im better off on my own.
I don’t know what else to say other than those yearly years were tremendously bad for everyone in my family, yes. I can now at this time in my life see and understand why everyone did what they did…. That my parents were also victims of abuse from their parents and all that and yeah, I have compassion and Im really sorry they had to go through that….But it doesn’t make it ok or make mom someone I will let back in my life. I mean, I went through it and Ive dedicated my lifes work to helping others heal and I try to be so good to everyone around me so…. No excuses. And, I still have questions like: Fuck, why did dad never go to jail? Im guessing it was about the money…..and really, how did nobody in my family see that I needed help?
Anyway… Ive done epic amount of self work to be here today as a whole person and really change my reality to one where I have value and can share love. Im still working on it… My social anxiety is still the worst. I can barely form words into sentences when Im out in public and I dont have a job to do as my role to play....but you know, I keep trying and its easier and keeps getting easier… and I have amazing friends like Brad to have mini adventures with… and I have my Studio to do my art in and now that Im feeling so much more whole as a person I think I might actually see some work through to completion that I can be proud of… and I have a job that I love and Im getting training for some other skills to expand my skillset and I feel that things can only get better from here so
I feel so lucky to be alive and so fucking grateful to be me and I really like myself. It’s a miracle. All things are possible if you just remember: LOVE IS THE KEY and keep moving in that direction.
That’s my experience and now you know.
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qkantyjk-blog · 5 years ago
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x4f0wrcg-blog · 5 years ago
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Is lawsuit protection a reason to get whole life insurance?
Is lawsuit protection a reason to get whole life insurance?
Whole life insurance seems like a total ripoff. It s a terrible investment, comes with tons of fees, and it s not really that great of a tax deferred investment. However, I m in a high risk profession from a liability standpoint and I hear that in Texas whole life cash value is protected from lawsuits. Is this a good enough reason to invest in whole life?
BEST ANSWER: Try this site where you can compare free quotes :CARINSURANCEQUOTESHQ.XYZ
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ih4x67ge-blog · 5 years ago
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I need help finding health insurance for my mom in Georgia.?
I need help finding health insurance for my mom in Georgia.?
My mom is 46 and her job does not supply health insurance. She does not make a lot of money at all and she has a skin disease that needs treatment. Paying $200 a month for health insurance is out of the question. Does anyone know of an affordable plan that would allow her to see a doctor and get the treatment she needs?? Thanks!
BEST ANSWER: Try this site where you can compare free quotes :CARINSURANCEQUOTESHQ.XYZ
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bisoroblog · 6 years ago
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How Schools Spark Excitement for Learning with Role Playing and Games
Michael Matera’s students don’t merely learn about medieval Europe, they live it. Albeit, with a few monsters and enchanted items thrown in the mix.
The Milwaukee teacher’s Grade 6 history class is an ongoing role-playing game called Realm of Nobles, where students join guilds, earn achievements, make trades and wage the occasional epic battle in an imaginary medieval kingdom. Matera has played the game for years, and maintains that the fusion of history, fantasy, narrative and role-play is an effective formula to engage students in learning.
“The excitement and the pride in their accomplishments are all through the roof. I love seeing kids gaining real-world skills, taking risks and learning from defeat in this gamified class,” said Matera, who wrote Explore Like a Pirate: Gamification and Game-Inspired Course Design to Engage, Enrich and Elevate Your Learners, a manual for teachers who aspire to design their classes as games.
A growing number of educators like Matera are remodeling their classes by fusing game elements to their instructional environments. But, does switching grades for experience points and homework for quests amount only to cosmetic surgery? Is school merely being “reskinned” with a new paint job without fundamentally altering the age-old classroom rituals?
The Rise of the EduLARP
The use of simulations and role-play in education is not a recent development. Model United Nations, historical re-enactments, mock trials and other types of dramatic simulations have been in the teacher toolbox for decades. What is new, however, is that the simulation is packaged as a game and sustained for an extended period, often spanning the entire school year.
This particular union of role-play, narrative, and game owes no small debt to Dungeons & Dragons, the classic role-playing game (RPG) that is enjoying a recent resurgence. D&D pioneered and popularized an array of RPG conventions that are now video game and tabletop staples, like experience points (XP), levels, loot, character classes and boss fights.
In the mid-’70s some eager D&D fans donned armor, weapons, gowns and cloaks, and transplanted RPG elements to the real world in the form of live-action role-play, or LARPs. Players stay in character as they interact and battle in elaborate adventures set in real-life forests and fields that evoke medieval fantasy. The popularity of LARPs in Scandinavia inspired a pair of Danish educators to open the Østerskov School that teaches with edularps. Today, edularps are found in schools in Sweden, Finland and Denmark, and even some U.S. schools have jumped into the fray.
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Sanne Harder, a game designer and educator who worked at the Østerskov School, thinks that edularps are not only a fun way to learn, but also a better way to learn.
“When I choose to use role-play as a means of teaching, it is because it is an excellent way of organizing teaching, not because the hobby appeals to its fans,” wrote Harder. “In the 21st century, being a teacher is not about teaching pupils facts, it is about helping them internalize knowledge, skills, and competencies.”
Sarah Lynne Bowman and Anne Standiford conducted a 2016 mixed methods study of edularps at an L.A. charter school and found that they encouraged “greater motivation, engagement, interaction with peers, collaboration, and comprehension of material,” which is promising, but the area is new and the research nascent.
Choosing a Road to Victory
Edularps, and other class-as-game variants like alternate reality games (ARGs), pervasive games and gamified class, are popping up in schools, universities and even camps across North America. While the sword-and-sorcery motif remains prevalent, some educators have diversified into themes and settings that better fit their learning goals.
While still a high school science teacher, University of Connecticut assistant professor Stephen Slota designed a unit-length game to teach human reproduction and sexually transmitted diseases. “The students worked in teams of three to control a character avatar in a fictitious village, and their goal was to engage in an epidemiological study of the area by investigating locales and speaking to non-player characters as enacted by the instructor,” said Slota, who edited Exploding the Castle: Rethinking How Video Games & Game Mechanics Can Shape The Future Of Education, a collection of game-based learning essays.
Slota has since developed half a dozen class-as-games for subjects as far-flung as education technology, Latin, psychology and biology. Matera also sets one of his games during the Cold War, and the edularps at the Østerskov School involve a wide range of themes and settings.
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The games tend to be flexible and students are able to alter the unfolding experience through the choices they make. This freedom to shape their circumstances and the accompanying sense of agency is a big part of what engages them in learning.
“I’ve found — both anecdotally and in my research — that freedom to push and pull at the game’s narrative and ruleset provides students with a sense of greater personal ownership, and therefore greater depth of knowledge about content than usually accompanies schoolwork,” said Slota.
Matera also stresses the importance of student agency, and feels that it marks a significant departure from typical classroom dynamics.
“Games have clear objects, but no one set path to that victory. This is where strategy comes into play. An RPG, as with many well-designed games, allows for the players to create their own path to victory,” said Matera. “This level of customization and personalization feels different than traditional school because it is different. Students have an opportunity to create their own experience within the game. They earn badges, items and power-ups that allow them to have a unique game characters. This leads to endless strategies, trades and allegiances to help successfully make it through the Realm.”
Houston-area teacher Kade Wells also personalizes his class by using a D&D-style character class system. He gives his students a basic personality test and, based on the results, assigns them one of four roles designed to support classroom management.
“Protectors keep the peace and manage group outbursts; Initiators get things ready and help to get materials, sharpen pencils and put things away; Diplomats help group members and facilitate all processes and are ultimately responsible for the group’s behavior; Sages keep the records, help with attendance, make sure that things are orderly and accounted for,” said Wells, who has found the class system empowers his students to self-regulate and take greater ownership of their environment.
There’s an App for That
Matera, Slota and Wells design their games from scratch, cannibalizing a pastiche of web applications, pen-and-paper elements, learning management systems, Google apps, spreadsheets and any other available tools that they can bend to their playful purposes. But teachers who don’t have the time, confidence or knowledge to dive into the DIY approach can turn to commercial software designed to help educators run their classes as games.
Rezzly’s 3D GameLab, the University of Michigan’s GradeCraft, NEXED’s Answerables and Classcraft are gameful learning management systems that have tapped into the class-as-game zeitgeist to help educators keep track of quests, levels, experience points, badges and other game features.
“They will do anything for XP [experience points] and GP [gold pieces] to level up their avatar,” said Carrie Casey, a Wisconsin middle-school science teacher who uses Classcraft. “I have seen some of my students who will not hand in work — work hard to get their work in for me so they get XP and do not disappoint their team.”
It has also helped Casey reach some challenging students: “I have connected to them through gaming where no other teacher has connected to them that year.”
Canadian teacher Justin Matheson says that his Grade 6 students loved the sword-and-sorcery motif, and he credits Classcraft’s video game qualities for fostering perseverance. “With video games, people get to a point where things become increasingly difficult and they experience repeated failure. Then, you are encouraged to try again and again, and to seek help through outside resources to find success. This is the most notable benefit that I have seen in my class. My students see difficulties as speed bumps instead of roadblocks.”
Grafting Dungeons & Dragons-style RPG elements to classrooms can have an effect that delves much deeper than mere optics. Games and classes are both systems that operate with rules. When the rules that typically govern the class are hacked by the rules of the game, a fundamental shift can take place. Games offer a valuable palette of functions and features that can be creatively repurposed to rewrite some of education’s more problematic operations. Educators who are not satisfied with business as usual can tap into the power of play and design the change they want to see.
How Schools Spark Excitement for Learning with Role Playing and Games published first on https://dlbusinessnow.tumblr.com/
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perfectzablog · 6 years ago
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How Schools Spark Excitement for Learning with Role Playing and Games
Michael Matera’s students don’t merely learn about medieval Europe, they live it. Albeit, with a few monsters and enchanted items thrown in the mix.
The Milwaukee teacher’s Grade 6 history class is an ongoing role-playing game called Realm of Nobles, where students join guilds, earn achievements, make trades and wage the occasional epic battle in an imaginary medieval kingdom. Matera has played the game for years, and maintains that the fusion of history, fantasy, narrative and role-play is an effective formula to engage students in learning.
“The excitement and the pride in their accomplishments are all through the roof. I love seeing kids gaining real-world skills, taking risks and learning from defeat in this gamified class,” said Matera, who wrote Explore Like a Pirate: Gamification and Game-Inspired Course Design to Engage, Enrich and Elevate Your Learners, a manual for teachers who aspire to design their classes as games.
A growing number of educators like Matera are remodeling their classes by fusing game elements to their instructional environments. But, does switching grades for experience points and homework for quests amount only to cosmetic surgery? Is school merely being “reskinned” with a new paint job without fundamentally altering the age-old classroom rituals?
The Rise of the EduLARP
The use of simulations and role-play in education is not a recent development. Model United Nations, historical re-enactments, mock trials and other types of dramatic simulations have been in the teacher toolbox for decades. What is new, however, is that the simulation is packaged as a game and sustained for an extended period, often spanning the entire school year.
This particular union of role-play, narrative, and game owes no small debt to Dungeons & Dragons, the classic role-playing game (RPG) that is enjoying a recent resurgence. D&D pioneered and popularized an array of RPG conventions that are now video game and tabletop staples, like experience points (XP), levels, loot, character classes and boss fights.
In the mid-’70s some eager D&D fans donned armor, weapons, gowns and cloaks, and transplanted RPG elements to the real world in the form of live-action role-play, or LARPs. Players stay in character as they interact and battle in elaborate adventures set in real-life forests and fields that evoke medieval fantasy. The popularity of LARPs in Scandinavia inspired a pair of Danish educators to open the Østerskov School that teaches with edularps. Today, edularps are found in schools in Sweden, Finland and Denmark, and even some U.S. schools have jumped into the fray.
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Sanne Harder, a game designer and educator who worked at the Østerskov School, thinks that edularps are not only a fun way to learn, but also a better way to learn.
“When I choose to use role-play as a means of teaching, it is because it is an excellent way of organizing teaching, not because the hobby appeals to its fans,” wrote Harder. “In the 21st century, being a teacher is not about teaching pupils facts, it is about helping them internalize knowledge, skills, and competencies.”
Sarah Lynne Bowman and Anne Standiford conducted a 2016 mixed methods study of edularps at an L.A. charter school and found that they encouraged “greater motivation, engagement, interaction with peers, collaboration, and comprehension of material,” which is promising, but the area is new and the research nascent.
Choosing a Road to Victory
Edularps, and other class-as-game variants like alternate reality games (ARGs), pervasive games and gamified class, are popping up in schools, universities and even camps across North America. While the sword-and-sorcery motif remains prevalent, some educators have diversified into themes and settings that better fit their learning goals.
While still a high school science teacher, University of Connecticut assistant professor Stephen Slota designed a unit-length game to teach human reproduction and sexually transmitted diseases. “The students worked in teams of three to control a character avatar in a fictitious village, and their goal was to engage in an epidemiological study of the area by investigating locales and speaking to non-player characters as enacted by the instructor,” said Slota, who edited Exploding the Castle: Rethinking How Video Games & Game Mechanics Can Shape The Future Of Education, a collection of game-based learning essays.
Slota has since developed half a dozen class-as-games for subjects as far-flung as education technology, Latin, psychology and biology. Matera also sets one of his games during the Cold War, and the edularps at the Østerskov School involve a wide range of themes and settings.
youtube
The games tend to be flexible and students are able to alter the unfolding experience through the choices they make. This freedom to shape their circumstances and the accompanying sense of agency is a big part of what engages them in learning.
“I’ve found — both anecdotally and in my research — that freedom to push and pull at the game’s narrative and ruleset provides students with a sense of greater personal ownership, and therefore greater depth of knowledge about content than usually accompanies schoolwork,” said Slota.
Matera also stresses the importance of student agency, and feels that it marks a significant departure from typical classroom dynamics.
“Games have clear objects, but no one set path to that victory. This is where strategy comes into play. An RPG, as with many well-designed games, allows for the players to create their own path to victory,” said Matera. “This level of customization and personalization feels different than traditional school because it is different. Students have an opportunity to create their own experience within the game. They earn badges, items and power-ups that allow them to have a unique game characters. This leads to endless strategies, trades and allegiances to help successfully make it through the Realm.”
Houston-area teacher Kade Wells also personalizes his class by using a D&D-style character class system. He gives his students a basic personality test and, based on the results, assigns them one of four roles designed to support classroom management.
“Protectors keep the peace and manage group outbursts; Initiators get things ready and help to get materials, sharpen pencils and put things away; Diplomats help group members and facilitate all processes and are ultimately responsible for the group’s behavior; Sages keep the records, help with attendance, make sure that things are orderly and accounted for,” said Wells, who has found the class system empowers his students to self-regulate and take greater ownership of their environment.
There’s an App for That
Matera, Slota and Wells design their games from scratch, cannibalizing a pastiche of web applications, pen-and-paper elements, learning management systems, Google apps, spreadsheets and any other available tools that they can bend to their playful purposes. But teachers who don’t have the time, confidence or knowledge to dive into the DIY approach can turn to commercial software designed to help educators run their classes as games.
Rezzly’s 3D GameLab, the University of Michigan’s GradeCraft, NEXED’s Answerables and Classcraft are gameful learning management systems that have tapped into the class-as-game zeitgeist to help educators keep track of quests, levels, experience points, badges and other game features.
“They will do anything for XP [experience points] and GP [gold pieces] to level up their avatar,” said Carrie Casey, a Wisconsin middle-school science teacher who uses Classcraft. “I have seen some of my students who will not hand in work — work hard to get their work in for me so they get XP and do not disappoint their team.”
It has also helped Casey reach some challenging students: “I have connected to them through gaming where no other teacher has connected to them that year.”
Canadian teacher Justin Matheson says that his Grade 6 students loved the sword-and-sorcery motif, and he credits Classcraft’s video game qualities for fostering perseverance. “With video games, people get to a point where things become increasingly difficult and they experience repeated failure. Then, you are encouraged to try again and again, and to seek help through outside resources to find success. This is the most notable benefit that I have seen in my class. My students see difficulties as speed bumps instead of roadblocks.”
Grafting Dungeons & Dragons-style RPG elements to classrooms can have an effect that delves much deeper than mere optics. Games and classes are both systems that operate with rules. When the rules that typically govern the class are hacked by the rules of the game, a fundamental shift can take place. Games offer a valuable palette of functions and features that can be creatively repurposed to rewrite some of education’s more problematic operations. Educators who are not satisfied with business as usual can tap into the power of play and design the change they want to see.
How Schools Spark Excitement for Learning with Role Playing and Games published first on https://greatpricecourse.tumblr.com/
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Cheap car with cheap insurance?
Im 18 and Ive just passed my driving test and im looking for a good car for around 2500. The cars with cheap insurance are more expensive and the cheap cars have a relatively high insurance cost. The budget for the insurance is not set but I don't want to pay a ridiculous price. Any suggestions on a perfect car which is in my budget but with a low insurance cost? P.S. I understand because im young the insurance will be expensive but if anyone has any advice on how to get cheaper insurance please let me know.
I am trying to find the type of car with the cheapest car insurance for my age and details?
Where online can i find details on lots of cars as gocompare.com etc... need you provide details on a certain car
I'm 17 and just past my driving test does any body know where you can get cheap car insurance?
I'm 17 and just past my driving test does any body know where you can get cheap car insurance?
Is the car insurance company right?
I was in my first EVER car accident and it was my fault. I was driving my fiancs car and I wasnt on his insurance, his insurance company said that they wouldnt cover his car because I wasnt on the insurance but they covered the other car and that was the last of it until 6 months later we buy a new car and cancel that insurance and get new insurance for both cars and we added me on it. A few weeks later we get a phone call from the old car insurance company saying we need to pay them back for the other car which was close to 8,000 bucks we asked them why we are just now hearing about this we were never not once told we would have to pay anything and 6 months later you call us and tell us to pay you 8 grand all they had to say was sorry you werent contacted sooner they said they mailed us stuff but we didnt get anything. They mailed us a letter saying what they policy was saying that the reason we have to pay them is because it was a MATERIAL MISS REPRESENTATION we thought something isnt right so we took it to a lawyer and he said it cant be a material mss representation because that mean they wouldnt have covered me if I were on the policy which isnt true because my driving record was PERFECT not one thing wrong with it. They lawyer want 3 grand up front to fight it but we dont know what to do. Is the insurance company right?""
Car Insurance for Male Teen?
-I'm a 17 year old boy -My parents have nearly clean records. i don't think my dad's been in an accident for 10 years (knock on wood) -im probably gonna drive an acura integra g-sr 2 door coupe anywhere from 1995-2000 not sure what year yet. ab
If i dont have insurance and i drive a friends car in which he has insurance on it.?
What would happen? would my friend be liable, and would he have to pay everything? or would his insurance cover his car?""
Looking for a online site to get cheap car insurance quote from all carriers at once?
Looking for a online site to get cheap car insurance quote from all carriers at once?
We are looking for cheeeep insurance?
What is the cheapest insurance available out there?
Which cars are cheap on insurance for a 17 year old?
Which cars are cheap on insurance for a 17 year old?
Does any insurance co. in the state of Georgia suppose to give you car insurance if the title isn't in yo name?
Does any insurance co. in the state of Georgia suppose to give you car insurance if the title isn't in yo name?
Buying a new car on pay monthly + insurance ?
Hello, I am 17 years old. If I were to buy a new car on pay monthly (e.g Ford Fiesta/Fiat 500 at 150 per month) then does this include road tax and insurance? If not, then what would it cost me in terms of insurance (I live in london, and will keep my car in a locked garage)""
Is it possible to get a good used car for 3000 $ ?
I live in the Los Angeles area and I am a student .. I really need a car but I can only afford 3,000$ at the most .. Do you think I can get a pretty decent looking car for 3000$ ? and I am 25 years old , I never drove before ... How much do you think the insurance would cost approximately considering that I am 25 years old and new driver with a used car ? I really wanna know if I can get a good one for 3000$ Thanks a bunch !!!""
Car Insurance Question?
I am a little under 15 and a half years old and my dad has debated and almost bought a lot of cars for me, from ford f650's to 1965 or higher mustangs and jaguars. but so far we have thought that the car that would be good for my first car would be a 1994 Ford Mustang with a V8 with 30k miles0. which is perfect because that was the year i was born. So my question is that since its a sports car and its V8 about how much would my insurance be when i could start driving by myself?/ insurance for the other kinds of cars/trucks?""
audi tt car insurance
audi tt car insurance
I am 18 years old and going to lose my insurance NH?
My father lives in California and I was under his insurance until he got laid off, now I have about a month to get insurance and I am kinda screwed. I have to have allergy shots every three weeks and I am on a plan to control my allergies and asthma so having no insurance is not an option. My grandparents did have guardianship of me but since I am 18 I no longer qualify for their insurance.What do I qualify for and how do I apply?""
How do I get insurance for a car with that on the title?
How do I get insurance for a car with that on the title?
How much does the value of a car affect insurance for an adult?
I was just thinking about people with a low income that save for many years to buy an expensive car. Dont they still have really high insurance rates?
I cancel my car insurance because I sold my car.?
I was told by the car insurance company that I have my car insurance that I would have a laspe in my insurance. I was also told that I would not be able to purchase insurance with another company. Why is this? Why should I keep my insurance if I don't have a car and won't be purchasing one for awhile?
What insurance quotes car auto online?
what insurance quotes car auto online? i want to know about this.
What are the cheapest cars to insure for a 17-year old?
What cars would give a 17-year old just-passed Male a reasonably cheap insurance? Is Ford Ka a good choice? How much are these cars and what do you think would be their insurance from this information?
Car insurance loopholes?
Are there any loopholes or 'tricks' I can employ to lower my car insurance? I'm 19, and the quotes I am getting are between 4000-5000. It's obscene, especially when my motorbike does 0-60 in 3 seconds and has a top speed of 160mph yet it costs me 350 a year to insure. Apparently I might not be able to 'handle the power of a Vauxhall Corsa'. Car insurers won't even take my 3 years motorcycle NCB into account. Is there anything I can do?""
New Car.. Wrecked... Before we added to insurance?
We had liability insurance on our older car, Then bought a new car on thursday, Had a car wreck on Saturday night before we got to add the new vehicle to our new State Farm policy which was to go in effect in about 2 weeks. The liability insurance carrier Gecko was to terminate on 10/29/09 - Both cars in the wreck had pretty major damage. We hit the other car in the rear... And got a Ticket for not having insurance on the new car because our insurance card from Gecko. Only our old car. Will either of the insurance companies pay for the damage to our new car and the damage to the other persons car? If you are an insurance pro please let us know what we should do and what to expect. Thank you for any help.""
Where is the best place to get life insurance quotes?
i am trying to get life insurance quotes but it is so many places to look. could someone give me a good starting point
California after fires?
How long will it take for life in South California to return to normal? I mean quality of air, infrastructure, rebuilding homes. How was it in 2003? For example, for how long the ash will still be in the air?""
Do you have to get insurance before you can get a license plate?
I just bought a used car off of someone and drove it home. Luckily it was at night because the car doesnt have a license plate. This is my first car and none of my family seems willing to answer the phone today to help me. What am I supposed to do first? When I looked up the cost of plates, it said that when purchasing the plates insurance must be presented at the time of purchase. So that means I have to get insurance before I can get the license plates right?""
What is some cheap car insurance companies?
hey so i'm 18 & i'm looking to insure my car again after letting my brother have ago and he crashed it without being insured, i've been to court & i got a 6 week ban & a fine but im starting to look for insurance 7 i was wondering if anyone knew of any cheap ones to try? cheers""
Cheapest car insurance?
Which company has the cheapest car insurance? I just bought a brand new car yesterday and I can't drive it off the lost until I have car isurance for it.
Can I get sued if my son gets into an accident and has no car insurance. He's 21?
My son is 21. He has 2 jobs. He can't pay the car insurance so he has no insurance. Were worried about being sued cause he still lives at home and he's 21 years old in new york state. Are we still liable
How do you get long-term heath care insurance in Georgia? And how you pick the best one for you?
My grandma might need to go into an assisted living home soon? My family are thinking about a Sunrise Community and they take long term health care insurance? How do you obtain and pick the right type and does Medicare cover it? thanks
How do I get my insurance licenses?
Do I have to work for an insurance company before?
Do Insurance Quotes Check Your Credit Score?
Hi everyone. When you get and insurance quote from an auto insurance company(I'm thinking of trying 21 century) do they check your credit score? If so then is that a problem? Thanks to those who help!
What are some car insurance people?
I know Progressive, and Geico. Who do you use? who do you not use and why? We just got a new toyota Sienna and i want to shop around for cheap insurance.""
Do I have to pay more for my car insurance?
I purchased a car with a car loan and I had to get full coverage insurance. I pay monthly and I have to do this for 6 months. The sixth month will be on May. I just paid off my car loan so I no longer want to pay extra money for full coverage. I had to pay a down payment for my insurance so my monthly payments would be cheaper. My question is do I have to pay another down payment if I switch to the liability coverage? Do I have to pay those last two months in order to switch to a liability coverage? I live in California.
Can home insurance companies completely deny you because you have a dog that attacked someone at one point?
I'm going to try to keep this short.. just know that, this is for my dog and I'm trying to save him... he's a 10 year old Akita. A year ago, our family dog bit someone. They sued for an insane amount of money, but it wasn't our fault completely, so our home insurance and their health insurance settled out of court for a lot less. Still, the settlement was expensive, and our home insurance didn't like covering a 6-digit figure claim because of the dog so they dropped us. Since then, all home insurance companies don't want to cover us, even if we don't have a dog , this information is by my father who doesn't like the dog already. There is only one house insurance that will cover us, according to my father, but they will only cover us if we don't have a dog, and even then they will charge 4 times as much. I'm not old enough to completely understand how insurance and claims and contracts work, but I'm just trying to save my dog, because my father is going to put him to sleep by the end of this month. I just need a good starting point or phone numbers that could maybe discredit what my father has been saying, or anything that could help. We live in Southern California. Apparently Akitas are listed as vicious, but at the age of 10, he's old enough to be mellow, but still too young to put to sleep. Any help would be appreciated.""
Best life insurance policy and mediclaim policy?
Recently my father (age 62) surrendered the insurance policy without my knowledge.. I decide to take a new one for life and health insurance..Please suggest the best one....
Are car insurance companies having a laugh?
Me and a friend were taking out some car insurance quotes the other day - entering his information in he got 1700 a year on an old '95 (i think) cincequento, which frankly was hilarious. Then, all we changed was the address so that he lived at my house. It pushed the insurance up to something like 2700. Now I dont get this - he lives in a pretty rough area in my town, right near where all the boy racers live and such. I however live in a small village about 2 miles away and just outside of the town. In my area, the population is about 90% seniors and it is very quiet. I thought insurance companies were supposed to weigh the risks of location against their policy? Why has mine come out a grand more?""
How much would my tickets be?
I was driving 60 in a 45 and didn't have a copy of my insurance in the car (it was expired). I do have legal insurance but it's at home. So I got two pieces of paper. One for insurance and one for speeding. What can the costs be? I'm 19 and this is the first time I have gotten a ticket/citation (And I get two together, how lucky?). All I need to know is that how much are they worth?""
Why insurance agent do not market term insurance?
I am working in an IT company & agent comes to our company for marketing ULIPs. By reading various articals on ULIPs, I now understand the charges & I wonder how these agents hide the charge story partially or completely. Some of my teammates blindly sign on the policy parers & get trapped in the ULIP trap. I asked all agents for Term Insurance & most of them clearly refuse that they only sell ULIPs.I want to know that why Agents & insurance companies have a single point agenda of selling ULIPs & not market term insurance.""
Whats the difference between Medi -Cal and Health Insurance?
Whats the difference between Medi -Cal and Health Insurance?
audi tt car insurance
audi tt car insurance
https://www.linkedin.com/pulse/where-can-i-get-cheap-health-insurance-ronald-hall/"
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foulfurywombat-blog · 7 years ago
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free auto insurance quotes without personal information
"free auto insurance quotes without personal information
free auto insurance quotes without personal information
BEST ANSWER:  Try this site where you can compare quotes: : http://financeandcreditsolutions.xyz/index.html?src=tumblr 
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Is insurance for a motorcycle alot?
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Insurance Fraud? Help!?
A couple days ago I was driving to a doctors appointment, I was rushing and very nervous. I got to a road that was closed where I had to back up. I looked behind me and saw no cars. Then I started talking to my mother who was in the car about if the road was closed or just partly blocked off. I looked in my mirrors and started to back up, somehow I must have missed the car that was very close behind me. I barely tapped the bumper, my mom didn't even realize it happened that's how slight the tap was. The woman immediately jumped out of her car and started screaming and cussing like a maniac. The police blocking the road even noticed and had to come over to control her. There was no damage to my car or hers, however she was driving a 92 buick and it was a piece of junk. I was worried she'd try to get something out of the whole thing so I took pictures of everything. This must have made her angry and she started trying to take pictures of my mother and I as well as bird poop on my car? Today I got a call from her insurance agency, saying she claimed injuries, a cracked windshield, and a messed up bumper. I am so angry! I know I did not do any damage, much less injure her! I'm a collage student and really can't afford my rates going up because of this. I called my insurance company and sent them pictures. They are trying to investgate. Anyway, has anyone else experienced something like this? How do these things usually turn out? Is this insurance fraud on her part?""
""I am 17, and I recently got my driver's license. Can I avoid being added to the insurance policy?""
Because my rates go really high, since I'm a new driver. If my cars receive minimal insurance, and they're insured under my parents' name, could I legally drive the cars and would the insurance pay for any liabilities?""
Can i sue my insurance company for hit and run?
I live in Yuma, Arizona. I'm 15 I Have my motorcycle permit i can drive from sunrise to sunset Okay February 21st YESTERDAY at 3pm Me and my brothers were going to jack in the box they took our car (1996 Isuzu rodeo) and i took my motorcycle (1994 Kawasaki ZX-6) we were going down this curved street they are on the left lane I'm on the right lane and this Winter bird (An older person from out of state that comes down to living in our city in the winter) pulls out on my right lane. While he's doing this i horn my horn he looks back and completes his turn and the brakes and doesn't move... i'm down shifting and my rear wheel locks up when i downshifted my bike shakes and i going onto the curb my bike gets eating up from the curb and i go over the curb and start to eat **** my hip and left get bruised i was wearing this thick overcoat my arm gets road-rash and then the old *** man drives off... doesn't even assist me... my brothers flip a U and we pull my bike to the side of the road and go to the hospital at the hospital we called the police they took pictures of my motorcycle and skid marks on the road then take my statement and brothers i wanted to know can i sue my insurance for anything? I'm not sure what coverage i have I'll add more detail tomorrow Monday morning Here are some pictures of the motorcycle P.S. I'm not sure if you can see but my front tire is flat it got a hole from the accident http://s186.photobucket.com/albums/x262/JokerSmokes/?action=view&current=crash1.jpg http://s186.photobucket.com/albums/x262/JokerSmokes/?action=view&current=crash2.jpg http://s186.photobucket.com/albums/x262/JokerSmokes/?action=view&current=crash3.jpg http://s186.photobucket.com/albums/x262/JokerSmokes/?action=view&current=crash4.jpg What broke Front tire Possible bent rim front brake lever Oil casing headlight windshield possible gears and chain my muffler my front right flaring my bottom flaring""
Pls anybody can tell me which is the best insurance company in new york new jersey and connecticut?
Pls anybody can tell me which is the best insurance company in new york new jersey and connecticut to sell commerical insurance, business policy, workers compensation etc which company do best underwriting. which is the best company in this state. Pls let me know..""
Can your car insurance company penalize you if...?
Can your car insurance company penalize you if you report an incident but decide not to file a claim?
Auto insurance question?
I am looking into financing a 2007 honda civic coupe ex. It is a 1.8 liter inline 4 motor. Front wheel drive and automatic with almost 68,000 miles on it. In florida, you have to get full coverage until you finish paying off the car. I am 23 with 2 traffic tickets. One for a stop sing violation and another for no proof of insurance. Both tickets were given to me at the same time almost 3 years ago. Thats the only 2 tuckets ive ever had. I live in the country as well because i know that matters for a quote. But with this information, what would be a good estimate on how much full coverage insurance would be on this vehicle? Thanjs in advance.""
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I am about to turn 16 and was wondering what kind of insurance I need?
how much it would cost thanks!
Confused about car insurance.?
I recently got my license but my parents aren't getting me a car just yet. If i ask to drive one of their cars they say no because i don't have insurance. They said they will get me insurance within a month but I'm curious if this is correct. My friends dad said as long as that car i am driving has insurance i can drive it, but my parents are saying I need the insurance. I don't know, I'm really confused.""
USAA vs Navy Fed for banking & car insurance?
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18 Year old car insurance.?
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free auto insurance quotes without personal information
free auto insurance quotes without personal information
Car insurance Michigan?
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How much would insurance be for a road/offroad dirtbike?
I'm looking into buying a honda CRF 230 that has headlights, breaklights etc.. everything it needs to be road legal. I'm wanting it because I ride alot of trails that you need to get on the road for so long to get on the next trail and I'd figure id license it so I dont have to worry about outrunning the cops but if the insurance would be high, I'd just forget it so whats the cheapest you can get insurance for that and by the way I'm 19 and have my motorcycle permit.""
Age Of 16 to fill up a car insurance quote?
why car insurance agent put 16 on car insurance quote even you got your license when you were 18...?
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Ok im 16 1/2applying for insurance for my car. I am outraged at the annual average yearly cosy 1200-2800$. Eeek!:( Whats your opinion on what company I should choose?-and whats the rough cost you pay about monthly/yearly? helpp!
Question about Car Insurance?
I don't know if it's possible to get an answer from you guys, but it's worth a try! I have State Farm insurance, and I'm going to be driving a 2006 Hyundai Sonata, and i'm 16 years old. It's black, & I make pretty good grades, 3.5 is my avg (I heard that mattered) I was just wondering how much it would be per month! If you have any help, that would be great! Thanks :)""
How much would it cost for a citation with no insurance in Texas ?
How much would it cost for a citation with no insurance in Texas ?
I have full coverage insurance n my car was stolen n impounded should yhe insurance pay inpound fees?
I have full coverage insurance n my car was stolen n impounded should yhe insurance pay inpound fees?
How is medical insurance is applied?
I am an Egyptian seeking the progress of my country. I hope you answer the following questions according to the country you live in especially in United States of America, Canada, Israel, Germany, England and Nordic countries.""
NJ private health insurance.Which health insurance company is best?
My spouse has health insurance.To add me on would cost over $900 monthly.Which health insurance company gives the lowest cost coverage in new jersey? I am self-employed .We have no children.We are in our 50's.
How much would insurance cost for an old 1960s/1970s car?
im new to everything dealing with cars and i lovee the 1967 cadillac eldorado..
Is there a reason to notify my auto insurance company of a student driver?
It will raise the crap outta my rates and since every licensed driver is insured and the insurance follows the car, not the driver, is there a reason? My young learner is 15 and has a learners permit. Right now the lessons have just been in the country, so no worries yet, but shes getting better and will be ready to get out among the other idiots on the road soon. Thanks""
Car insurance premium went up because of the state?
I noticed that my monthly car insurance bill increased by about $40. When I called my insurance company to ask why my premium went up (since there were no accidents, changes in cars or policy/discount changes), the rep told me that it was because of the state. I knew he meant government and he said it's been happening all across the country but the increases are highest in California, New York, New Jersey and Florida. I live in California. Has anyone else experienced this? Can someone explain to me in specifics what the government may have done that lead to the increase?""
Where can i find really good dental insurance w/out a job??
Where can i find really good dental insurance w/out a job??
Does a Dodge Dart have sports car insurance?
If i buy a dodge dart Rallye and it has the 1.4L turbo engine, will i have to pay for sports car insurance?I have statefarm..""
I been shopping around for insurance with different insurance agencies here in CA ?
and noticed that the premium is about the same for all of them but the broker's fee ranges from $100 to $300, can that be negotiated ? or is it illegal to do so ? i like one of the insurance agencies since they were super nice but they also have the highest brokers fee, could they match the other agencies price ?""
I need advice with my car insurance please.......?
Can my cousin who lives in California ad me to his insurance policy if I have a drivers license from washington? Or do I need a license from California as well?
How much will my insurance be?
I found a 1999 Mitsubishi Eclipse and im concerned about the insurance since im 16. sport cars= more expensive. Lets say if a Crown Vic was $130 a month, how much would a sports car be? I will also be on my parents insurance witch there is three cars already on there insurance so the cost will go down some i believe. If i maintain a B- or higher grade for school my insurance will go down an additional 10%.""
Car insurance question?
My car is currently under my parents name any under my parents insurance. It was a gift from my parents but we never bothered changing the ownership over and it wasn't a big deal since we live in the same home. I am planning on moving out soon, do I need to have the car put in to my own name to get my own insurance and to make it legal? I've heard that continuing to pay through their plan without living in there house would make it void. If I don't change my ID right away would it still count as me not living there?""
Is it a smart Idea to get a Life Insurance at the age of 21?
Is it a smart Idea to get a Life Insurance at the age of 21?
Where can a 29 year old student find health insurance?
I am a 29 year old substitute teacher and part time student. I am looking for some type of affordable health isurance and prescription plan. I am in need of some help...I have no idea where to look. Can anyone please point me in the right direction? Any help would be appreciated. Thanks so much!
Audi Q7? Insurance a month?
I was just wondering how much an audi q7's insurance is per month? and how much would one cost?
About how much would auto insurance be a month for a beginning teen driver?
I know your not going to be able to give an exact price. I just need a legitimate number. I'm 16, and just fully paid for a nice car on CL. So I do fully own it if that helps the price any. Just an estimated number per month please.""
Insurance on a 2000 pontiac grand prix gtp.?
anyone have one of these?? how is the insurance on it,? how much might you think an 18yr old might pay on this car? Ive never had speeding tickets, accidents, nothing. (knock on wood) thanks!""
free auto insurance quotes without personal information
free auto insurance quotes without personal information
Why is my car insurance quotes so high?
Hello, I'm 17 years old and have just pasted my ful uk license and am looking for a car and insurance. The car i want is a vaxuhuall corsa 1.0 litre 3door. My friend has a 1.1 litre and his insurance is 1,200 with his dad on it. But when i look with exactly the same details (locked garage, mileage, etc) with my dad on it (i also entered my friends post code to see if there is a difference) but the cheapest quote has been 4400. Help?""
""Car wreck, how much is the insurance going to give me?""
I got into a car wreck sometime this month of May. It wasn't my fault, the guy made an early turn and hit me. My car and his car are now totaled. I was wondering how much money the insurance will give me on the newer car...? By the way, I have a 1995 Honda Accord Ex and its now totaled. I just wanna know how much they will pay me back? And I have insurace, but not full coverage.""
Can you cancel your life insurance policy anytime you want?
Can you cancel your life insurance policy anytime you want?
What does chips health insurance cover in texas?
does it cover gynecologist visits non pregnancy related? braces? i read pamplets over and over and i dont seem to get a grip on it,can anyone help please?""
How does life insurance for a baby work?
I am a teen mom. I am keeping my baby (please no rude comments, just answer the question.) I don't know how life insurance works though. And I don't know if I qualify for Medicare because my mother has a high income, but I on the other hand am not working, or making any kind of income. Please inform me on how I would get life insurance for my baby!""
Question on Auto Insurance?
I live in California. I noticed on my insurance policy that I did not have collsion or comprehensive coverage on my car. I called my insurance company yesterday in the a.m. and told them to add the full coverage. I had an accident last night about 7 hours later. A lady turned left in front of me. Even if I was at fault which I don't think I was, did that updated coverage go into effect when I called the insurance company and told them to add it?""
Please could someone tell me what is the absolute cheapest auto insurance around?
No solicitation please.... Just the real facts. For get Geico, State Farm, All State and Travelers ins, progressive and all the TOP COMPANIES""
Will private insurance companies still exist after Obama care is implemented?
will govt be the health insurer once Obama care is implemented
Car insurance help?
A while back my nephew ran into a car that was stopped on a bridge. Both vehicles had liability insurance. They determine that it was my nephew's fault. His insurance paid and now the insurance are trying to get money back. Why?
Insurance? for laptop without getting home insurance?
I'm worried my brother hasn't as of yet insured his expensive laptop. What would work out more economical in the long run please: Content insurance but as a student he keeps moving, so all he wants to insure is his Laptop,mobile and passport both when it's in the house but also when traveling in the UK and abroad? (some policies like Barclays Gadget insurance make it almost impossible to make a claim ie: you can only claim if there's been a forced entry or if the Sim card is still in the phone whilst traveling. Well he lives with 8 other students and the landlord doesn't provide home isnurance in the contract, people are comming in and out of the house any one could take it from his room and the landlord won't allow him to put a lock on the door. If he's traveling abroad he will use a different SIM so... If he buys yearly travel insurance most only cover a single item up to 400, his laptop is an Applemac. Which would cover an expensive item without charging a monthyly fee above 10 per month? Stupid question but is it possible to jsut get content insurance for one room instead of Home insurance? Gadget Insurances seem pretty expensive and a lot of them don't cover the full spectrum of problems, stolen laptop whilst unattended in a hotel, lost, accidental damage even if the item is over a year, Thoughtbubble never even replied to his email enquiry. Bank insurance, they are limited and have similar policies such as above. Natwest have the advantage Gold and home contents insurance but it works out at 12 per month and his iphone won't be covered as phones have to be under 100. I don't have home insurance so he can't use ours. Please what else could he consider and no he's not giving back the gadgets and he is very careful but anything can happen. Would help to get some proper advice as even his bank Halifax didn't cheers""
Pregnant and no health insurance - Maine?
I am canadian who just got a visa to move to maine to live with my US husband - I still work in Canada and cross daily. 3 nights ago I found out I was pregnant. I called my blue cross to see what it covered in the USA and when I told them I moved from NB they promptly cancelled my insurance. My husband doenst have insurance and because of my salary in Canada we dont quality for medicaid or mainecare. so no insurance, no mainecare and no money...... I also cannot have the baby in Canada now as they cancelled my medicare when I moved...... so this is worst situation I have ever been in...... I have wanted to be a mother for years but I cannot afford 15000 to have a baby ...... I am honestly contemplating an abortion.....""
How much will insurace cost me on a 2005 jaguar type s or on a 2006 audi A4?
want to get one of those cars but i want to have a idea of how much it will cost in insurance. i got 1 year with my license or it will go up on my dads name he has like alot of years more then 30 with out accidents or anything. plz any info or if u have one of this cars. give me a idea of how much it will cost me or if u know any website i could find out. thanks. o ya the jaguar is a v6 3.0 and the audi v4 2.0. both leather i will get a bunch of chicks with this cars.
Another insurance question for you...?
I'm 16, and soon I'll be getting my first car. When my mom checked out how much my insurance would be on a black Honda Civic 2-door from 1997 they told her it would be $100 a month. Needless to say, that car is gone and I now have my eyes on a silver Chrysler Sebring 2-door convertible from 1998. Judging by the price of the insurance on the Civic, how much would it be on the Sebring? Thanks in advance.""
How much would my car insurance cost?
I'm trying to find about how much my car insurance would cost and none of the insurance website would give me a quote for some reason. I'm a 17 year old female who has a 2003 saab 9-5 (4 door) who's never been in an accident and who took drivers ed.
How can you avoid paying for expensive car rental insurance?
I drive a rental car, but the insurance is very expensive. I have to pay a daily price. I have non owners insurance, but that does not cover collision. Is there a way to avoid paying these prices as they are so expensive but still have full coverage? I tried to insure the car but I couldn't being that it isn't minds. The non owners policy is legal but it doesn't cover the car. Thanks for any suggestions.""
Israelic terms on health insurance?
I had to redo an experiment by Tykocinski. She researched the impact of certain primes, one of which is health insurance. She did this study in Israel. We replicated this study in the Netherlands, but we found different results and now we need to figure out why. For this reason I would like to know: What is the word for health insurance in Hebrew and Arabic? And how would they translate 1 on 1 with the english language. Example: the Dutch word for health insurance is zorgverzekering, but if I translate the words apart from each other I get either worry insurance or care insurance (depending on the interpretation of the Dutch language) The answer to this question could help me greatly in this research!""
Do you get rid of your car insurance when you get a DWI?
I don't understand,.. when you get a DWI and license taken away, wouldn't you not need car insurance anymore for a year since you won't be driving your car? All the talk about having insurance go up etc, and $1000 added onto the bill every year, does the receiver of the DWI have to keep their insurance or something?""
How much would the insurance cost on a 2007 Lamborghini Murcielago lp 640?
Ball-park estimate?
Insurance cost for jeep liberty?
I was thinking about getting a 2005-06 jeep liberty CRD (diesel) as my first vehicle, but wondering what insurance would cost. I'm 24 years old, male and live in a small town just north of Toronto and with only a G2 license.""
Health Insurance in California - Low Income?
I am on Unemployment Insurance, and need to see a doctor. Is there a State or County Medical benefits?""
Life Insurance?
Can you buy life insurance on anyone? I mean could you buy life insurance on everyone in the nursing homes, then collect the reward? Or quickly buy life insurance on hospitol patients?""
What kind of car would have cheaper car insurance?
I want to buy a car I have $10 000 and I woult like to purchase a car that would be good on gas, and have a cheaper insurance, any suggestions and quotes?""
Credit life insurance?
My mom passed away in sept. of cancer. She had a $100,000 balance on her mortgage loan. Now I just recieved a letter stating that her credit insurance had gone through and a check had been sent to her mortgage account number. I have never even heard of credit insurance, does this mean the remainder of her loan is gonna be paid off??? If so I am in shock.""
ShouId i get Maternity Insurance or just depend on Medicaid? What is the best & most affordable maternity ins?
Although it has been asked many times, I need the most recent answer or suggestion of my problem : I'm married and currently we are planning to have a baby. We never had health insurance before (because it's too expensive and we don't really need it so far). We know that health insurance, especially which cover maternity will be very expensive, while we never know when will I get pregnant (we've been trying for 9 months and I'm not yet get pregnant). So is it worth it to get Maternity Insurance or should I just depend on Medicaid after I get pregnant ? We both are working now but not making really good money, yet probably not too little to be eligible for Medicaid too. I've been searching for some health insurance and agents but all of them offer me a high - not affordable premium which doesn't cover everything as well .. If getting the maternity insurance before I get pregnant is the best way, can anyone suggest me the best and most affordable one and how is the best way to get it (via agent or directly to the ins company) ? Fyi, we came from another country and have been here in Florida for 1 year, so we didn't know much about all of this stuffs, so we really need you help .. Thank you""
Anyone know where to get esthetics liability insurance?
I am working as an independent contractor. Any suggestions for insurance companies?
free auto insurance quotes without personal information
free auto insurance quotes without personal information
I trying to find a cheap car insurance for teenagers?
she already have tickets in her name . i trying to find someone who can make a deal with us.
What's the average price for car insurance?
i'm turning seventeen soon and i need to get enough money together for a year's worth of insurance.
How much will insurance cost me?
I am 16 years old. I live in Skowhegan Maine, 04976. I will be driving a 2000 ford taurus. I completed drivers ed. My own policy, no parent to go under.""
""I'm 18, I have a question about finding car insurance........HELP!?""
I'm 18. I currently drive my parents extra car, and I am on their insurance. Right now they pay for all the insurance. Ok, so here's my question. I want to buy a car sometime later this year. I know it will be kind of a lot because of age (I'm female btw) and I just am confused about how I find insurance. Do you have to buy the car and then find insurance or should I be looking for insurance BEFORE I even buy the car ( I know what car I'm going to buy, it's just a matter of saving enough money and finding one available) Anyways, do I find an insurance company willing to cover me or do I put it in my parents name under their insurance? I'm so confused, I just want to be prepared and know all the facts for when I do buy my first car. Thanks for your help!""
I have a B average(4.0/5.0). will it lower the cost of insurance for my dad?
So my friend told me that if i have a B average, it will lower the cost of insurance for my dad, but idk if its true. im 15 and about to get my license in 4 months and i dont get in any trouble and i have a 4.0/5.0 gpa and on my last report card, my grades were A B B B C C. so will it lower the cost of my insurance?""
Is it possible to cancel the signature of auto insurance for new car?
Hello, I have just bought a new car in a Toyota car dealer: They have found for me an insurance for the car, comparing with different insurance companies. But now at home, I am trying a quote with Geico, and it seems that I could probably get a better price with this company (not completely sure, I need to call them). Is it possible to cancel my signature as I did not receive the policy yet ? and I did not get my car yet (but tomorrow) ? I don't know if here in USA we have the possibility during some days (one week for example) to retract ourself.... Thanks for information.""
Who regulates auto insurance in CA?
commercials
Car insurance?
i currently have a car and am insured fully comp on this. my partner is about to purchase me a new one but as i still own the other one i'm not sure what to do about insurance. i'm tempted to take out another policy with a diffenret company for fully comp and run them both until i sell my old one. any suggestions
How can I get an insurance quote?
I don't have my license yet, but I know what car I'll be driving. Is there a way to get a quote before I actually get my license?""
""What are some good, reliable cars that don't have super high insurance?""
I'm 18, responsible driver, clean record which will stay clean. Looking for another car still. Will almost positively be under 2005 and not a sporty one. I was looking into Acura Integra. But, kinda like maybe something like a Jeep Liberty (if insurance isn't high!) I will be on my parents insurance and both of them have clean records so that should lower it anyways. Would Audi A4 or a Suzuki or Kia sedan be fairly cheap?""
Motorcycle insurance on a 2008 crf230l?
(around) How much would motorcycle insurance be for a 16 year old on a Honda crf230l?....thanks
Does anyone know who is the cheapest for insurance for piaggio zip 50cc scooter?
Does anyone know who is the cheapest for insurance for piaggio zip 50cc scooter?
How do I get points taken off of my license?
i live in California and i about 2 months ago crashed my car and was cited for a failure to yield ticket, because i am only 16 i got a restricted license and i have to attend traffic school as well as getting a point, i was wonder if i could get that point taken off?""
Visitors in USA - no medical insurance?
I have my parents visiting me from abroad and my father needs to go see a Doctor immediately for Heart Condition. He does not have any insurance in US. What can we do? Are the hospitals OBLIGED to see any patient, regardless of coverage? Will I get roped into the whole process? Please guide.""
I've been pulled over last night no insurance and no L plates HELP ME PLEASE?
Hello, I'm a genuine person, who has had a bad past with motoring, 3 - 4 years ago i was a maniac, a complete ideot who defied everything that was said and told to him( been caught for no insurance and disqual driving and driving without a license x15 times but after relizing what a ideot i was i decided to go the straight and narrow, so i got my license back last august with 6 points on it, they aint due to clear till next year although they are dated 2009?! any way, i own a decent 09 bike, that isnt cheap and i was what i thought fully insured (otherwise i wouldnt have driven and risked loosing my bike) anyways i got pulled over last night for speeding, and it came apparant i wasnt insured :O i rang my girlfriend and got her to produce the paperwork, they couldnt get hold of my insurance company due to they were shut at 10pm at night :S so they decided to seize my bike!:@ they give me a gypsys warning about the speeding, and refered me to court for no insurance no L plates, my arguement is, after going home and checking my bank, i have been driving for 3 months uninsured ( i really had no intention of doing so) i had thought that when my giro money lands into my bank acc swintons took it out the same day so i never defaulted, but this is not the case and i have defaulted. so i have insured my bike immediately after relizing what has happened and im going to get it out the impound in a minute (15 hours later after being seized) but the genuine thing is i've always had a rear L plate till 4 days ago when it snapped and i was waiting on my giro to come to purchase a new one, however i know that is no excuse but its the truth! what can i say to the judge to not get myself banned! the L plates situation is difficult because there like1 to buy but i have 0 pence! and i run my bike of scrap yard petrol ( filtered runs sweet) and i will take full admission to only ever having one L plate on my bike and explain my situation but what can i say or do so i dont get banned!? im really stuck with this one, it really is annoying as i had no intention to drive without insurance?! thanks guys""
Can my new car be on my parents auto insurance policy if we live in different states?
I recently moved to Michigan for work and just bought a new Mitsubishi Evo, and here the insurance is outrageous (over 300/month) compared to Illinois which is about half as much. Is it possible for me to be on my parents insurance plan if they live in Illinois? I already bought the car and I need insurance one way or another I'm just trying to save some money here, and just wondering if it is possible.""
Insurance E-bike?
I live in california and I would like to know if I need an insurance for my e-bike if I hit someone or something. If you could post the web page you found it on that would be nice. Thanks
Cheapest and reliable car insurace company?
how has the lowest quote out under normal circumstances? i know they categorize it based on age,sex, etc. just tell me who has the cheapest insurance.is it really GEICO?""
Do you think IQ should be used in determining car insurance rates?
Do you think IQ should be used in determining car insurance rates?
""Car accident, driving record & Insurance?""
If car accident happended and insurance covered the damage, but at-fault violation is kept off the driving record with help of being first offender, then will it still affect car insurance rate even if switching previous insurance company to other? Do insurance companies share their custmer drivers' information?""
What's the average spending for a single person per month?
I'm 17 and next year, I'm moving out of my Mom's house. What's the average spending for a person in Florida? I'm not going to get a car so I'll be riding my bike almost everywhere and taking a taxi when it's too far away. Don't include gas and car insurance. Approximately how much is spent on food, water, electricity, TV and internet,house insurance, and other monthly expenses? Sources?""
Does anyone know the best car insurance to buy from with just the minimum required?
i am so sick of car insurance companies taking advantage of people with these super high prices just because the dumb law says you have to have insurance.
How much would it cost to insure a new Mazda3?
I want to buy a new ('08 or '09) Mazda 3. It would go on my parents insurance, and they both have a clean record. How much would it cost to insure? I live in Nassau County, NY (Long Island).""
Insurance price?
does anyone have an idea of how much insurance would be for me to purchase a new wrx sti? age 24, pittsburgh PA, clean record...any rough estimates?""
Estimate for car insurance?
I know there are SO many factors considered. I am considering purchasing my first car (I would get it new, have loved Mazda 3 forever) and curious as to what I would pay a month in insurance or what average is. Bit of details, I live in Ontario, Canada, I will be 23 this year, female, I have a clean driving record (granted I've only had my G2 for a year and a half), my credit history is very good if that matters, I took driver's ed. I have no idea about what is considered average. Thanks!""
free auto insurance quotes without personal information
free auto insurance quotes without personal information
https://www.linkedin.com/pulse/how-long-does-take-insurance-rates-go-up-after-getting-carter-stout/"
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dangerouscrusadefire-blog · 7 years ago
Text
How much would car insurance cost a 16 year old guy?
"How much would car insurance cost a 16 year old guy?
I live in Connecticut and drive a 2004 volvo xc90 2.5t. I have a 3.5 gpa and will most likely have insurance with middlesex mutual. What can I expect my car insurance to cost per month/year?
BEST ANSWER:  Try this site where you can compare quotes: : http://averageinsurancecosts.xyz/index.html?src=tumblr 
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Do i need birth certificate to buy car insurance?
Do i need birth certificate to buy car insurance?
Is this true with insurance companies?
hi do insurance companies in US currently asks or checks for any pre existing condition ,before enrolling us? is that true or is that what obama is proposing for insurance companies under new healthcare plan. i never got tested/checked for anything, before getting myself enrolled.......""
If you are under 18 and wreck a rental car is it covered by insurance?
I need a rental car and my mom will rent it but they said an under 18 year old can't drive it by yourself. If I drive it with some friends and get it in a wreck will it be covered by insurance (rental, our insurance does not cover rental cars). Also if I get pulled over by a police officer is it legal for me to drive? Thanks.""
""If i have insurance for my car, how much more will it cost to own a motorcycle?""
If i have insurance for my car, how much more will it cost to own a motorcycle?""
Do auto insurance companies actually confirm the info you provide for the quote?
After requesting a quote online, you anto insurance companies actually confirm that all the info u gave are true? For example; moving violations, actual address? Does the DMV verify this info?""
Cheap health insurance? Im a middle 30's single male. Is there a place I can compare quickly like car insuran?
I filled out one thing but it turned out to be almost a phishing scam. Im about to do COBRA, but I think I can get something cheaper. Im also in SC if that matters. Any guesses?""
""Health Insurance, Medical Insurance, and Individual Health ...?
United Health One health insurance plans for individuals and families. http://unblockyoutube.cn/health-insurance.html
Suspending car insurance?
i have car insurance i pay monthly for but i mite be going on a course away from home but i wont be able to work to pay for the insurance. i would need to not pay for it as it were for a 12 weeks. is there anything i can do or any advice ?
Do I buy car insurance before buying a car from a private party?
I'm buying a car this weekend from a private seller (we are just waiting for the duplicate title to come in the mail; she lost the original). Money won't be exchanged until ...show more
If i were to drop my car insurance for a few months can i get it back when i want?
basically my car sucks in the winter (i.e. the snow lol) so i havent been driving it for like 3 months now, and it will prolly be another 2 months till i begin driving it again, and im paying my car insurance on it but really im not using it lol, and moneys a little tight, so i was wondering if i were to drop it for a few months, can i jus call back up or w/e and get my insurance back on it with no problems, or fees or anything, or should i jus continue paying the remaining months, im 19 so my rates arent cheap lol (even tho ive had no accidents)""
Cheap car insurance UK?
any tips to bring the price down? or any insurers going cheap atm? 24 yr old guy 1 yrs no claims citeron saxo desire 03 reg park it on a drive way
My clutch & break failed can i get insurance !?
how i can get the insurance cover of my car maruti wagon r vxi purchased in 2012 !
Why is mandatory auto insurance to make sure other drivers can be reimbursed for my actions ok?
But mandatory insurance to make sure doctors and hospitals can be reimbursed for my healthcare is considered socialism?
Tell me how it is right that insurance companies charge young adult males more than female for car insurance?
The answer I seem to get is it can be statistically proven that males are more aggressive,speed and get into more accidents. That may be the case, but I am sure you can prove that a particular ethnicitiy gets into more accidents too, or that people with a particular eye color get into more accidents or that people with an IQ below 100 get into more accidents. So why don't they charge them more for car insurance too? You can say insurance companies have the right to charge more if an event is more likely to happen, like Earthquake insurance is more expensive in California than it is in Michigan. The difference there is that when you charge Californians more there, you are basing it on an uncontrollable act of nature that is almost certain to happen, but when you charge that male more for car insurance you are making judgements about a person's character, making assumptions about his future behavior and financially punishing him for it before he has even done anything. Tell me where I am wrong""
How much would Liability insurance run me for my mobile auto detailing business?
Im looking to start a mibile detailing business within the next year and I need insurance
Can you drive a car home you have just bought without insurance?
If i were to buy a car could i drive it straight home with no insurance, if i was going to sort it out when i got home. obviously don't want to sort out insurance for a car i haven't seen or payed for.""
What cars would you recommend as a first car? Insurance wise? UK only?
What cars would you recommend as a first car? Insurance wise must be cheap? What are good insurance companies? UK only
What is the best car to buy in terms of getting cheap car insurance as a first time driver.?
I am over 25 but things are still costly.
How much should I expect my car insurance to increase?
I got a 34 in a 25 in Virginia. I'm 19, and this was my first offense. Currently, I'm on as an occasional driver because I'm usually at college. Thanks.""
Now i know i need insurance?
but know what kind of insurance would i need because these are only 14 ft jhon boats
""Planning on buying a newer car, wondering how much my insurance will go up or if it will at all?""
Right now I have a Ford mustang, and i'm paying about $800 every 6 months, i'm planning on getting a 2006 Grand Prix so since it's not a sports cr but it's newer will my insurance rate stay the same? Will it go up? Or am I lucky and will it go down?""
How much is a non owners sr 22 insurance?
I been court ordered to get a sr 22 insurance in order to get my licence back and i do not own a car.. so i have to get the non owners sr22. i have too keep it for three years . i was woundering how much that would be, monthly?""
How can i get cheap car insurance in the UK?
hey people, i have tried getting cheap car insurance for a while n i have had no joy. the cheapest i have got it is about 2,897 that is ridiculas for a 18 year old male at college who hasn't got a penny spear! i got a car givin to me a 1998 ford fiesta 1.25 zetec and i need help pritty bad. please help me!!!!!!!!!!""
Car Insurance question?
I got a ticket 3 years ago. I just got one recently around February. My car insurance will get renewed around August. When they renew my insurance and they estimate the new amount for my car insurance, will they find out about my recent ticket? I know the past one from 3 years ago will get dropped off since car insurance companies dont count tickets from 3 years ago, but will the one that I had from this year get counted into the new estimate this year?""
Can someone who smokes marijuana get affordable life insurance?
Can someone who smokes marijuana get affordable life insurance?
How much would car insurance cost a 16 year old guy?
I live in Connecticut and drive a 2004 volvo xc90 2.5t. I have a 3.5 gpa and will most likely have insurance with middlesex mutual. What can I expect my car insurance to cost per month/year?
What are some insurance rates for 18 year old drivers?
I know there are multiple factors counted into insurance rates, including age, driving history, car, year. But I just want to know what's some insurance rates other teenage drivers had. Please state what type of car and how much you paid for insurance. Include whether you lived in the city or a rural area also. Thanks""
""My dad is the main driver on vehicle insurance, and i am the named, am i aloud to drive the car more than him?""
Ive just passed my test and looking for cheap ways to get cheaper insurance. Can i do it so my dad is the main driver and im the named, but i will be using the car much more than him? is this illegal? The car is in his name and everything but didnt no whether he has to cover more miles than me in a year with it being in his name? thanks""
How much is product liability insurance?
Its for my online womens shoe store. Also what other type of insurance would I need? Thanks
""I just turned 18 and I don't want to take driver's ed, how much will my car insurance go up?""
Due to multiple arrests, I wasn't able to get my license until I turned 18. Well now I'm 18 and able to get my license, I don't have the money for driver's ed though. I was just wondering how much my car insurance would go up if I don't take driver's ed.""
What would be the best cheapest car a teen could get?
What would be a cheap car that doesn't have high insurance that a teen could get? (Brand and model)? Thanks
Who is covered with car insurance?
if I let my friend use my car is she covered under my car insurance? I've heard that it is the car that is covered, not the specific person... is that true?""
How much will my insurance go up after a minor accident and a aspeeding ticket?
I live in California and in the past 4 months I got in a Fender bender(10MHP and the Guy is claiming bodily injuruy awell.) and In November I got a speeding ticket. But I am unable to attend traffic school cause I fought the ticket. I'm 19 My moms the main insurer on the car and its a sports car. Any idea how much will my insurance will go up? Any Ideas? I might have to sell my car if its too much. I have insurance through Geico.
Whats the average motorcycle insurance cost for an 18 year old guy?
Whats the average motorcycle insurance cost for an 18 year old guy?
All my friends seem to be getting cheap car insurance?
All my friends seem to be getting cheap car insurance but i cant seem to find it lol, im 17 and i know its expensive but people say they find it for 1.4k or 1.5k which id be happy with but im getting quoted 5k (and dont say what type of car is it!!) cause i know all that""
Insurance cost?
i'm 17 years old, my car is toyota celica v4, 2 doors. can anybody tell me how much my car insurance cost, no need exactly but close to""
Penalty for driving with no insurance or registration in california?
Got pulled over, had expired tags and no insurance. Officer didnt tow my car. Just gave me a ticket for both and sent me on my way. How much am i looking at?""
How much does the insurance cost on a 50cc 50km/h moped for a 16 year old?
I will probably get a CBT whatever that is - and could someone please tell me the usual pricing for provisional cat P motorcycle licence and the full one... thanks
How do insurance companys notify you when your insurance goes up?
i was in fender bender yesterday (not that much damage but basically ran into the back of a lady that stopped immediatley infront of me) but was under my grandmothers insurances at the time and driving her vehicle. people have been telling me that my insurance will go up now though, Im under my parents insurance, so will the insurance company send a letter to my house like tomorrow? or when insurance bill comes the next time to be paid it will be a little higher? Will it state why? Thanks""
My car insurance just jumped up tremendously?
ok i was living in delaware. my car is registered there. i have a delaware drivers license. now i was staying with my girlfriend in her place and we recently just got a place in pa last month. however, all my mail still goes to my old delaware address. now, i have nationwide and i changed my address. thinking it wouldnt go up by that way. it went up from 1300 every 6 months to 4500 every 6 months. they changed my agent(it was based in elkton, md- 5 min from delaware). my agent is trying to get the policy back to elkton, maryland. however, i cannot afford this insurance. would i be able to change it back to delaware and just say that i decided not to move?""
How much would insurance be on property based business?
i have a few acres and was wondering what the insurance would be if i decided to open up a atv/rv park on my land~i would have a waver that made sure all that rode would be rideing at their own risk etc.plus any other limations you could think i might come acrross~
How much do YOU or your teen pay for car insurance every year? Every month?
How much do YOU or your teen pay for car insurance every year? Every month?
How much would full coverage insurance cost?
I want to get a car loan to buy this 2004 Hyundai Tiburon. I'm 18, I've been in one accident. Around how much a month?""
""Not at fault in car accident, but insurance says I am?""
I was involved in an accident in 2011. I was going straight past an intersection and another truck going the opposite direction turned at the intersection, striking me. He admitted he did not see me and was clearly at fault. I filled out the police report and it states, by both parties, that he was at fault. A year later I bought a new car. I tried to get insurance. Everywhere I go my quotes are sky high, like almost $200 a month. I asked them why so much, and they advised I was listed at fault in the accident. I called the DMV, the insurance adjuster, and the police, and they all say I am not at fault. Well, the DMV says they see an accident but it does not show who was at fault. The insurance companies keep saying they are getting this info from the DMV but thats not possible. I was told by one small insurance company that this is a tactic used by companies. They see me as not at fault but try to manipulate me to get more money. What do I do to clear my name? I have the official police report, as well as all my medical bills from the accident. Again, the DMV cannot see any at fault, therefore cannot do or change anything.""
Where to purchase liability insurance for a rental car?
i dont have personal insurance of my own, for am i renting with a credit card. Trying to find place cheaper than the rental car company""
""Cheap m/cycle insurance for 95,GPZ 750 ?""
Cheap m/cycle insurance for 95,GPZ 750 ?""
Insurance estimates on these four cars?
which do you guys think would be cheapest and most expensive on insurance out of these four cars: 03-05 Acura RSX type S (v4 manual) 01-03 Lexus IS300 (v6 auto) 99 Lexus SC300 (v6 auto) 97 Lexus SC400 (v8 auto) What do insurance companys look at, the year and price of the car (the moment you bought it)? If so, I would imagine the two bottom lexus's to be the cheapest, but Im not sure, since they have much bigger engines. What do you guys think? Thanks in advance.""
Hawaii: Which Car insurance company do you like in Hawaii?
I plan moving to Hawaii. Which car insurance company do you like? Why? Also, which company don't you like? Why?""
What make and model is the cheapest car to get insurance on?
what make and model is the cheapest car to get insurance on? for a 22year old female
Why is health insurance cost rising?
Why is health insurance cost rising?
Is there drivers insurance for infrequent drivers?
I'm currently in LA, and my family is here too. So, I've been an insured driver since I was 15, for the last 13 years... In August I will begin grad school in Boston, and will be without a car. But, perhaps during winter break, Thanksgivings, summer, I may return to LA to visit family and friends. I can easily borrow one of my parents' cars while I'm visiting, but I don't want to have to maintain car insurance year round for several hundred dollars just to drive a few times a year. Are there any reasonably priced options for someone in my situation? As far as I know, most car insurance terms are 6 months. Thank you!""
How much would car insurance cost a 16 year old guy?
I live in Connecticut and drive a 2004 volvo xc90 2.5t. I have a 3.5 gpa and will most likely have insurance with middlesex mutual. What can I expect my car insurance to cost per month/year?
Life Insurance needed for Motor Insurance ?
Hello, I will be buying a ne bike in about a weeks time. Someone told me that for the Insurance for the Bike, I will need to have a Life Insurance policy also e.g from LIC or else I could face problems. Is this correct ?""
Do i need personal car insurance to drive an ambulance?
Im going to school to be an emt and i know that at some point, as scary as it is, i will have to drive an ambulance but i wanted to know how or if it would affect my personal car insurance or if the company i worked for even needed my car insurance. For example: what if i had a valid drivers license but did not have a car of my own to even have insurance? How does that work? Currently i do not own a car because i have been a full time student for a few years living on campus so thats why im asking..""
Home insurance?
im looking for some insurance that will mean if either my fiancee or i die our house will be paid off in full (this way our kids have a home) im still quite young (38) any one know any good companys to get a quote with?
Life insurance for police officers?
Can police officers get extended life insurance to cover death on the job? If so, how much - 5 million?""
My car insurance is shooting up..looking for a change..Can you help me out in finding the cheap car insurance?
My car insurance is shooting up..looking for a change..Can you help me out in finding the cheap car insurance?
I'm moving out of state - do I have to change auto insurance companies?
Explanation - I went through a local auto insurance company called ABC Insurance (not the real name, btw). They got me the lowest rate through XYZ Insurance, out of a different state. I'm moving out of state in a few weeks. Do I have to worry about finding a new insurance company if the one I pay my bill to is out of state anyway? After the move, I will actually be physically closer to that company... but still out of state. I never deal with ABC anyway. It's like they are just the go-between that found me that company.""
Insurance quotes and reviews?
l've found a reasonable insurance price on a Vauxhall Corsa 1.0 litre Club, but l was curious as my Dad has never heard of this company so l reviewed it and it said 1* for most websites! Should l go by reviews or does it matter? l want to make sure that it is a reliable insurance company just in case anything was to happen! lt's called Brokerking. Thanks in advance xxx""
Is cure auto insurance a scam?
is cure auto insurance a scam. they seems to good to be true
What is the cheapest liability insurance in sacramento?
looking for auto liability. just to cover the basics. i'm shooting for 50 dollars or less per month.
Why are some people's health insurance rates going up?
I've heard a lot of stories about people's insurance rates doubling or tripling. My wife's insurance just went up. What's going on? I thought Obamacare was supposed to make insurance more affordable? http://www.foxnews.com/politics/2013/09/24/one-man-obamacare-nightmare/
Can i get car insurance on someone elses policy?
I'm 19. I live with my sister in Detroit, MI. Can I get car insurance on my dad's policy if he lives in a different city then me? or on anyone elses policy? Im not talking about full coverage, I mean plpd, no coverage Thanks..""
Looking for affordable health insurance?
i have insurance through my company we are switching from KAISER at 136.00,per check which is 272.00 per month and were as the company pays the other half,AETNA now will charge 178.00 per check which comes out to 356.00 per monththis is the only option that our company has given.so i'm asking ANSWERS help in finding affordable health insurance for me and my spouse i'm 8 yrs younger i'm turning 62,this july 29 and my spouse is turning 70,this nov she has arthritis and myself just sciatica off and on somebody please help with affordable health insurance thank you Gilley""
""Im 16 and need to get cheap insurance, any suggestions?""
Im 16 yrs old, female, very independent and just bought a car; a 2002 chrysler pt cruiser. Im needing to get car insurance and be being 16 I know it'll be expensive so im needing to know where the cheapest place to get insurance for liability coverage in the state of Kentucky.""
What is the cheapest DUI insurance in california for a male when i become 18?
I just want liability for other drivers and i will get a crappy car so i dont need coverage for it. & I am 17 now. Am i able to get insurance if i don't have someone 18 or older sign for it? any ideas? Thank you
When does health insurance expire when you move out of state?
Suppose you have health insurance in New York, and you plan to move to California. Before the actual move, you drive a vehicle across country, get a California license, register your vehicle, and register to vote. Then you fly back to New York for four months. You go to the doctor, and your NY insurance pays up. But then you get a letter from the insurance company, sent to the CA address but forwarded to NY, saying they heard you'd moved, so your insurance will be cancelled. You write back, telling them their information is premature, and that you'll change insurance when you complete the move. After four months, you complete the move to CA, and two days after your arrival, you start feeling woozy -- feverish with occasional headaches -- requiring bed rest and lots of fluids. If this doesn't clear up in a day or two, you'll want to see a doctor. Will you be covered by the NY insurance, given that you haven't had time yet to get CA insurance?""
Can someone explain health insurance to me?
We have never had health insurance. We really need to get it but cannot afford it. However, we are going to spend every dime we have to get it so we can go to the doc. Problem is--isn;t it more costly to get it because you have to pay the monthly fee plus atleast 80% of the bill and the doctors jack the bills up if you have insurance? Also, what would u estimate it would cost for a family of three(2 adults with one baby) no problems in the past, healthy, non-smokers and any companies you would recommend?""
Does anyone know cheap car insurance for 26 year old female?
Does anyone know cheap car insurance for 26 year old female?
What would the insurance rate be for a 17year old male for liability on a 2002 dodge ram 1500 4x4?
I have a son that wants a 2002 dodge ram 4x4 short cab. How much would it cost for liability insurance with a clean driving record?
How much would a 1986 mustang convertible insurance be?
I'm seventeen and I'm looking into getting a this mustang and I wanted to know how much it would be with a the classic car plates on? My friend has a 1979 camaro and his is only $88, but this mustang has a 5.0 so it is bigger than his.""
What car insurance do you have and do you like it?
I'm about to get my license and my parents asked me which insurance I want. I want to know your personal experience with your insurance company and would you recommend them? Judging by what my parents have explained to me so far I plan on getting full coverage not the bare minimum just because its cheaper (which is stupid in my opinion). Right now I'm driving our 2007 Mitsubishi eclipse but my parents plan on giving me the Saturn since the eclipse is more my moms car than mine. Do you know approximently what it will cost to insure the saturn. Also what do you think makes your insurance better than others?
Car Insurance Question?
OK, so Im taking my test soon, and I was wondering if I could do this. As a result of my gender, my insurance would be considerably high; up to 6,00 to be exact. However, if I insure my car on provisional licence, it would cost LOTS cheaper. But, if I do this now, and pay for this provisional licence cover, when I have passed my test and have a full UK licence, would I just carry on with the same cover, or inform the insurance company of a change in the licence which I have. I hope you can answer my question. Thank You""
Insurance fraud or what?
i have a question in I believe early 07 someone was driving my car, crashed it, took off n threated me if i said i wasnt driving, so ehh 4000 in damages.. the insuranced paid for it, n i said it was my fault. how long till its off my record and insurance is cheaper?? (sucks there isnt a way to wipe it off.. errrr)""
How do I help families not see life insurance?
How do I help families not see life insurance as a bill but rather protection for their family? I am on a crusade to help families become properly protected (create an immediate estate) in case of a loved ones untimely death. Of lately, prospects see life insurance as another bill. Although it is; can any life insurance agent please share with me how they get around to making sales in the life insurance industry? Thank you.""
What company provides a good low cost life insurance policy for older people?
My father just retired, but he is stubborn and against getting a life insurance policy. I would like one to cover expenses he may leave behind and to take care of his wife, but he just doesn't see the need for some reason. His wife (my mother) is also the same way and they are too old fashioned and set in their ways to change their way of thinking. My parents are not rich and does not have a lot of money saved up. As a result, I may have to pay it myself even though I am supporting my own family on a single income. Obviously, the older one gets, the more expensive a life insurance policy becomes. Does anyone know of any good, reliable low cost life insurance companies out there? He doesn't have any major problems, but it would be best if there are some that doesn't require any health checks.""
I'm 17 years old and do I have to buy car insurance if my parents sit next to me?
I rarely drive so i don't want to get car insurance yet, but sometimes I want to drive around with my family. So do I have to buy car insurance if my parents sit next to me in the car?""
How much would car insurance cost a 16 year old guy?
I live in Connecticut and drive a 2004 volvo xc90 2.5t. I have a 3.5 gpa and will most likely have insurance with middlesex mutual. What can I expect my car insurance to cost per month/year?
Cheap NY auto insurance ?
hi there, i plan on buying a car soon but im a new driver and i have no one else to help me insure a car so i have no choice but to insure it on my own. I've checked and looked around geico, state farm, all state, and they were all to expensive, anywhere from 5-6k to insure the car for a year (way to expensive). So do any of you guys know any NY auto insurance companies that are affordable? Thanks""
""I am due to start driving next September, what cars get you cheaper insurance, and what other things can i do?""
i looked on some sites, some saying as much as 7000 in the uk, can i get that a little cheaper? thanks""
How can you negotiate with car insurance agency after a wreck if you have no insurance to cover other driver?
How can you negotiate with car insurance agency after a wreck that was caused by you if you have no insurance to cover the other driver? Are there any legal ramifications?
To get a car insurance quote do they need my social security number?
I called an insurance company and they asked for my social security number. I gave it to them and my mother got mad at me. Are they suppose to ask for it for a quote?
How much does motorcycle insurance cost in California?
Im 18 and i live in california, On average how much would insurace cost for me? . Also lets say i do get my license without purchasing a motorcycle, will my insurace rates still go down throughout the years even though i do not own or currently riding one?""
How can i get car insurance quotes without giving out my driver license number or vin? i want instant quotes?
i'm looking into getting a new car and the cost of insurance on them will help determine which i get or if i keep my current car. i've tried to get quotes online but they usually want my license number or want to call me and tell me the quotes. i just want to know approximately how much it will be for these cars. there all 4 doors and i would want full coverage 2004 nissan sentra spec-v se-4 2008 hyundai accent 2008 honda fit
Can someone recommend a good and affordable dental plan?
I'm trying to find a good dental insurance that is very affordable for a middle/lower class citizen like myself. Can somebody recommend anything for somebody in my case?
Will Geico insurance rate increase for storm damage?
Will geico insurance rate increase if your car got damage due to storm or some object that flew at ur car?
Cheap on insurance motorcycles?
im looking for a sporty bike that wont kill me on insurance (only 22 yrs old). something that looks like a kawasaki ninja, or honda cbr. thanks""
Car insurance cost for expat?
Hi I am a 37y old male married moving to London from india soon. I checked som online quotes and it seems to be very expensive even if I buy a 10 yr old vw golf. I intend to get a uk license when I arrive, but will I be considered a new driver even though I have held a license in the us and India and have driven for close to 15 yrs""
Is getting the minimum coverage car insurance a good idea?
I constantly see those commercials that say get the minimum required car insurance. And i'm wondering is that really a good idea, and what does that really even cover when you get into an accident?""
A question about insurance on a car?
ok i live in england, and i am 27yrs old, i drive and have my own insurance which is fully comp, as i am over 26 i can drive any car third party, my boyfriend is just starting to learn to drive and since neither of his parents drive, hes going to have to get his own car with his own insurance on, which is obviously going to be quite high as hes a new driver, hes 20yrs old. we got told that if he put me on his insurance as a second driver then it would work out a bit cheaper for him, but im wondering if this is true, as i can drive his car anyway on my insurance, so im not sure if its legal to go on his or if they will let me. any advice would be appreciated.""
How long are car insurance companys supposed to provide a rental car for?
i have a 2004 chevy caviler that is completely paid for and some guy ran into the back of my car yesterday. It's completely crushed in. i have liability and he has full coverage ...show more
Car insurance?
got 12 months car ins due renewel in one month letter came thought door and it said ins cancelled 5 months ago but i did not cancel so really i been driving with no ins can i get full refund when i rang ins they said it was not cancelled but say so on letter the woman on phone said it was cancelled 1 month ago i said not bye me she also said the same to me and the manger going to look into it and ring back to day has not done so also they are trying to charge me 20 for cancellation and i think it should be void can i get a refund or sue them
Why is my home insurance quote so high?
I am buying a home next month and have been shopping for home insurance. The cheapest premium I've been quoted is 1,800/year. I have done research and it seems most people pay 600-1000/year. I have never owned a home (so no claims) and I have never used my renters insurance to file a claim. I'm 26 with a 710 credit score. The home is 2300sqft and I am asking for 250,000 in coverage. I even raised the deductibles to see if that would lower it, which it didn't really make a huge difference. Any ideas?""
Auto insurance for a 19 yr old with a 1989 corvette?
My uncle is handing his 1989 C3 Corvette over to me as a present for getting my license.. I was wondering how much insurance would probably run me..I'm 19. College Student. Good GPA. Employed. I Live in Vegas if that helps. Thanks much!
A break in car insurance between my old and new car?
Hi, Tomorrow my current car insurance with my S reg corsa is due to expire at 12:00pm (Noon) now I have decided not to bother renewing this as tomorrow night I am going to buy a new car for which I have already put down a deposit. Now I have been told I cannot insure this new car now as I don't own it yet, but im worried that if my car insurance has a break in it then it will affect me - I currently have 2 years no claims and don't want to loose this - does anyone have any knowledge of what happens in the situation? Also with me not being able to insure the car until i own it, how do i go about getting the car back home from the showroom? Please helpppp""
State Farm insurance?
I have my own insurance and it was. 230 a month now I am getting a new car and I need collusion I am getting a Honda civic sedan 2012 white can anyone tell me an estimate on how much my insurance will go up Ps the car is financed . I have State Farm, I am 20 years old I reside in ny and I have had no accident""
My insurance quotes make no sense...?
I've been checking out some insurance quotes, I did a few thru progressive and got some weird results. First time, on a 2002 BMW M3 I got quoted $140/mo for full coverage (I'm 18, completely clean record), went back through to see if I could get the same result: got $199/mo, same information and everything. Why the change? And THEN (this is where it gets weird...) I checked my 97 Corolla (my DD/beater) and I did only that car on the quote, they wanted $240/mo. I'm really confused right now. Any advice?""
Does anyone know a cheap but good insurance company?
im 19 in dec and have been driving an year, with no incidents so far :) the company i was with has gone up! and they said they were gna go down, i know i can get a better deal sum were else so im not goin to stop with them, jus wunderd if anyone knew any good company's? please leave websites aswell :)""
Do you get cheaper insurance if you drive less miles to school?
if i lie and tell them i drive barely any miles to school would it be cheaper? its 87 a month right now but imma tell them scool is like a 2 mile drive
Will my Speeding ticket increase State farm insurance?
I was recently caught speeding in MN, going 87 in a 60 (I know that;s bad). Is there anything I can do to reduce the cost/penalty such as Traffic school ? Or am I screwed?""
How do I get full coverage and liability insurance for 2 weeks in the US?
I have been in Thailand for a year so I canceled all my auto insurance, a now I am going to be back for 2 weeks using a rental car, and I need coverage for that 2 weeks""
Can I buy motorcycle insurance for one month and cancel?
I'll be going away for college in a little over a month and I wanted to insure my motorcycle to I can ride it for the remainder of the summer. If I only want insurance for one month, should I just tell them that, or buy coverage with monthly payments and stop paying after the first month? Also, if I just stop paying, will this make it harder to get coverage from them in the future?""
How much would insurance be when you first sign up.?
well im about to turn 17 and the car i have is a 2000 pontiac gran prix with the 3.8L V6. i live in the city and my grade average is 89% and have allot of experience driving. id also only be driving to school and work about 15k a year. and currently the car has 160k on it. i hoping someone can give me a price of what it would cost me, as iv tryed to get insurance quotes online but never recive the quote itself.""
How much would car insurance cost a 16 year old guy?
I live in Connecticut and drive a 2004 volvo xc90 2.5t. I have a 3.5 gpa and will most likely have insurance with middlesex mutual. What can I expect my car insurance to cost per month/year?
https://www.linkedin.com/pulse/mount-carroll-illinois-cheap-car-insurance-quotes-zip-julio-webber/"
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colorfulsuitdestiny-blog · 7 years ago
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house insurance contents quote
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house insurance contents quote
BEST ANSWER:  Try this site where you can compare quotes: : http://salecarinsurance.xyz/index.html?src=tumblr 
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Im 6 weeks pregnant, i got my proof of preganancy at a free clinic, i applied for medical.. how long till i know im approved? I work part time, i dont make enough money at all... maybe 400 before taxes. i pay 400 rent, i split rent with my bf that i live with. he has a good job. would that effect my media-cal application? are they going to want my roomates info? and with him being my bf does that make a difference? we are not married so will they still use that?""
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house insurance contents quote
Motorcycle insurance for a 20 yr old?
i just got a 2004 ninja zx10r, any one know of a place that has motorcycle insurance for cheap??""
What Exactly Is Life Insurance?
What I mean is... If my Mom has life insurance on me, then when exactly do I receive the money? And can I spend it on whatever I want??""
Any suggestion of affordable health insurance?
ot discount savings...but heath/med insurance..affordable
Texas insurance licensing exam?
I am studying to take the exam and was wondering how close the Unit Tests in the book are to the actual test and how difficult the test is. Thanx.
Does anyone know of any dependable and affordable health insurance for young adults?
Does anyone know of any dependable and affordable health insurance for young adults?
Thinking of buying an Audi TT next year..Insurance quotes ect.?
im quite young..but ive researched this and if i keep my job down id be able to afford this. would be my 2nd car. Any advice? obviously wouldnt buy a new one.. what sort of price would i expect for a good quality one? also.. car insurance.. what websites are the best to find out approx. figures? ive been on ones before where they ask for your details and call you back..obviously dont want this just yet..just an average quote online where nothings written in stone so to speak// thankyou SO much for any help xx
What's a good first car for low insurance?
I'm buying a first car soon, and I don't want the insurance to go through the roof. My mom offered to just give me her 3-Series but I'm afraid it'll make our rates go up if I'm the primary driver, but I know nothing about insurance so help me out here... I don't really care what the car is AS LONG AS... It is 1995 or newer Has the basics (power steering, air conditioning) Reasonably comfortable Reasonable gas mileage--doesn't have to be too great NOT a Honda. At all. I really hate Hondas with a passion and that kind of lowers the list, but oh well.. It doesn't really need all the fancy bells and whistles--just needs to be comfortable, cheap-ish insurance, and easy to fix. I'm looking into Buicks right now. My mom said she likes the Scion tC, and I don't really mind either (but it does look kind of girly). Any other good options? Thanks!""
Home Owners Insurance?
My husband and I are looking for the best home owners insurance in California one that includes earthquake coverage and other stuff like fire and theft can you give me places to check out? We will be living in Culver City, California in the USA""
Know of Affordable Insurance for unemployed NJ resident?
My wife just lost her job due to downsizing and she carried the insurance. Our insurance expires the end of October. I cant signup at my job until January. We can COBRA but it will cost around $900 a month which we certainly wont have since shes unemployed and wouldnt have even if she WAS employed. Anyone know if there is a more affordable option? Does unemployed have some kind of health insurance? We have 2 young children so not having insurance isnt an option. Please REAL Replies Only!!! No SPAM!
How much would car insurance cost per month for a 2010 mitsubishi lancer evolution?
How much would car insurance cost per month for a 2010 mitsubishi lancer evolution?
""Getting 2011 car, all insurance quotes are over $300 Can i put my mom down as primary driver if its in my name?
The reason why its so expensive is because im only 19. i know she has a safe driving record which will help me save so much money. I'll be lucky to have gotten this car but i wont be able to afford my payments if insurance is that high. So can i own the car without being the primary driver on insurance to help save costs?
I live in PA...I never had car insurance but I'm buying my first car. I can't get a car insurance quote so...
how can I drive the car off the lot if I don't have insurance? I'm lost...can somebody help me solve this problem? Thank you.
What should I do about this car insurance?
I have a car that is worth no more than $1500. I bought it off someone in my family and I should transfer ownership (as it is from a different state). At the moment they have selected me as a secondary drive for insurance, as I am a P plater it will cost a lot of money to put it under me. To reregister it and insure it under me would cost a lot. (including getting another roadworthy certificate). I took it in for a check and they said repairs would cost nearly $2,000 which is more than the car. Plus the insurance, totaling about $3500 in total when the car is only worth $1500 max. So this is the situation I need help with, the car runs great and I may have just gotten ripped off by the mechanics (I didn't bring it in, someone else did and they can seem like an easy person to rip off) - also we have a friend who is a retired mechanic and he said the car is in great shape and roadworthy should be no problem, so that conflicts with what these guys said.. Any tips? I have no clue what to do. What do you do when it costs more to put a car on the road than the car is worth?""
Whats the cheapest car insurance company in ireland for young drivers ?
whats the cheapest car insurance company in ireland for young drivers ?
Buying an insurance write off ( car )?
I was wondering if it was possible to buy an insurance write off for the purpose of using it off road, for things such as car trials and banger racing? i know that if a car is category C or below, it can be returned to the road after repairs, but what are the rules as to off road use?""
Does getting a ticket without losing points increases your insurance price ?
I just got a ticket for driving my car without having my drivers license with me. Altough it's better than 128$ and 2 points, its still 52$. The thing im wondering though is will my insurance company charge me more because of that even if I didnt lose points on my drivers license ? Thanks""
About my leased car insurance?
I have a nissan 2009 lease, I have two questions: 1. do I need to purchase PIP insurance? also a $750 deductible in comprehensive and collision is ok? 2. My boyfriend lives with me and he has his own commercial car insurance, I drive my car the most, do I need to add him in my quote? He drives the car perhaps on Sundays when we go out other than that I drive the car most of the time. Thanks for your answers""
Health Insurance for an Eighteen year old Graduate?
Alright. I am in desperate need of some knowledge. I just graduated from high school and live in Idaho with my boyfriend and his parents. The house includes 2 parents, 3 kids under the age of eighteen and 2 adults that are exactly of the age of eighteen years (7 total). I used to live with my father, who does not have any health insurance (he's a Veteran). And even before that I lived with my mother in California who although does have health insurance, I was never a part of. My boyfriend's mother wants to take me to the Department of Health and Welfare so that I could maybe get with Medicaid or something to help me out. I haven't had a job yet (still trying to find one) and I really am quite lost in the world. I am behind on immunizations, have not visited a dentist...in a while. I do have terrible eye sight and will need more exams in the future and have not yet received any type of check up from a doctor or a physical. I was wondering if there was a way that I could get on my mom's insurance even though she lives in another state and maybe if welfare was all I could really do now. I'm not very educated about insurance and was hoping if there was a wise person out there who could help me. I appreciate any help at all and thank all of you for taking the time to read my cry for help.""
How much does it cost to get insurance on a motorcycle?
whats the average cost? do you know the cost in vancouver, canada?""
2000-2001 Mitsubishi eclipse insurance?
I am 15 and will be getting a car soon and i was really liking the eclipse, but i have heard that the insurance for it is a lot. Could anyone tell me what a normal car insuance rate would be (say a sedan), compared to the eclipse??""
How to get a cheaper car insurance in new jersey?
i leased a car a year ago and allstate just add 500 dollars on my premium and actually my car insurance is way more expensive than my car note. although i have 2 points on my drivers licence but it has been almost two years now and since i havent had no moving violation. Am planning to take a online defensive driver class to remove them. Please let me know what should i do to lower my premium or where to go cause its killing my finance. i am living in new jersey.
Do pcv holders get cheaper car insurance?
Do pcv holders get cheaper car insurance?
How much people can be on someone's auto insurance?
is there a limit to how many people/vehicles can be insured under one person's name? lets say, can a person insure his car and himself, as well as his 2 sons cars and his 2 ...show more""
How much will my Insurance go up?
im 18 years old on my mothers policy been driving 1 year crashed my car into a old Escort which his car was called a Rite Off. His rite of value for his car is 950. my damage i fixed with my old money as my insurance did not cover my cars damage. my Current Insurance price is 1250(pa). How much will my insurance go up by next time round...next year in September?
250CC motorcycle insurance-How much should I expect to pay?
I am looking to buy my first motorcycle. I am looking in the 250CC category. I have narrowed down to 1. Yamaha Virago 2. Honda Shadow I am 29 yrs old male with good driving record for car. Have good credit history. How much should I expect to pay for insurance for the motorcycle if I buy 1. NEW 2. USED (my preference). I would probably look for a MB with 10-15K on it.
house insurance contents quote
house insurance contents quote
How does car insurance work?
I work at *** insurace services and im a secretary. i do nothing but answer calls. i want to know how this place works. i know they insure taxis,. limos, trucks. and personal cars. but how do my managers get paid. HOW DOES THIS PLACE WORK. so i dont have to feel lost all the time at work. i still dont know why they hired me.. weird""
Does anyone know how much car insurance will be on a 2003 ford focus svt 2 door?
im thinking about buying a ford focus svt i just need to no around how much car insurance might be if any one knows
""Online resources, I need car insurance, but have a terrible driving record right now. Any suggestions?""
How can I get coverage at a decent rate when I have a crappy driving record?? Ive called about 4 different companies, the lowest rate i found was $209 a month for 6 months. I have 7 points on my record currently!! I cannot get insurance through my parents and i am not married so basically I'm screwed...or I should look into paying a driver to cart my butt around.""
Which Car Insurance Company would be cheaper?
Looks like everything now and days is going up -including car insurance. Does anyone know of any company that has cheap car insurance???? I'm not sure if AAA offers any good deals
Reputable term life insurance?
Is there any term life Companies with decent prices that you don't have to take physicals for?
Motorcycle insurance for 20 yr old mn?
I'm looking at getting a motorcycle and was wondering what it would cost me. I don't have any tickets or anything. My record is clean and I was looking at either a Kawasaki ninja 250 or 500r that would be like a 2005. Maybe a 750ccc cruiser. What difference would there be between the two types of bikes and about what would I be looking to pay?
Do I need Car Insurance to get a Georgia Drivers License?
I'm 19 years old and Ive been ready for my driving test for a while now. I just need to know if I can take the driving test in Georgia with my mom's car. WITHOUT being on her insurance. And YES her car is insured. I just want to take my test, get my license, and worry about insurance and a car later.""
Can I get free health insurance?
I just paroled out of prison. I don't have a job yet. Is there any free health insurance available to me? I moved in with my brother, who has a good job and his own insurance. will his household income affect my options of getting low income insurance? Thanks""
Best insurance for a teen boy whos 18?
i need to know whats the best insurance company for a guy whos 18 and doesnt have alot of money to go blow on a big place i have a 96 jeep cherekee sport anybody got any ideas thanks
I dont want to pay for car insurance... is there any way around it? LOL?
I know it sounds crazy and I need insurance but is there anyway to avoid paying it... at least for just a month? I have the cheapest plan possible but its still killing me financially every month! Do you think allstate has a low income program? Do ANY of the insurance companies....?
""What are the requirements for getting a license and driving in Tennessee, age,insurance,cost,et cetra.?""
What are the requirements for getting a license and driving in Tennessee, age,insurance,cost,et cetra.?""
Good Insurance company?
What's a good insurance company the not expensive? I live in florida and tired of the big name companies. Good driving record too
Do all pharmacys run your insurance?
Do they have to run your insurance whether you tell them you don't have it or not?
Where can i find some good health insurance?
i live in california bay area i'm just wondering if theres any good insurance out there i'm 19 and i just don't feel safe without health insurance and how do i know if it's a good or crappy one please explain in details
""What are the requirements for getting a license and driving in Tennessee, age,insurance,cost,et cetra.?""
What are the requirements for getting a license and driving in Tennessee, age,insurance,cost,et cetra.?""
When taking out car insurance. Is it really worth protecting no claims bonus or not?
I have heard that if your no claims is protected and you have an accident (which is not your fault) your insurance still goes up. Is this true?
How do I get added to my parent's car insurance?
I am going to have to use one of my parent's cars to get around soon. I have never had my own car, but have had a license for a few years, I just always used public transportation...so I am wondering how would I go about getting added to my parent's car insurance policy. Note: I would only be driving their car occasionally, not regularly. I'm 21 btw. Details and possible costs would be appreciated.""
Should I call my auto insurance?
This afternoon, I was at a gas station and I backed my 2003 Pontiac mini van into a concrete barrier very hard. The left rear bumper is falling off, the hatch is dented fairly bad in the corner so it is difficult to open (that dent is about 4 inches in diameter but very deep) and the side with an automatic door has two shallow dents about a foot across. One of my taillights chipped on the side but didn't crack or shatter. No broken glass or anything. The plastic bumper is cracked in a few places, and has red paint all over over it from the barrier. the doors still work (excepting that the hatch catches on the taillight area), no electronic or mechanical issues, just body damage. The question is, should I call insurance? I am almost 17 and I've had my license for about 6 months. Roughly how much would the body work cost, since my insurance with AARP is sure to go up dramatically? Or would I want to play it safe and place a claim? My parents know all about it, and it was a total accident (I missed the brake pedal and hit the accelerator). Just looking for the way that will cost me less in the long run. Thank you for your help.""
Best life insurance questions for seniors?
67 year old male whose had heart surgery,but doing well,on antidepressants and a cpap needs term life insurance. what is the most affordable in your experience ?""
A few questions about SR-22 Insurance?
Alright, so I'm getting slightly annoyed of the DMV as I've visited them three times already an had literally no progress made in all those lame visits... Anyways, I only got insurance so I can drive, but my car has failed smog three times now so that wont be happening and I'm now paying non-owner SR-22 insurance. Here are a few questions I have about the SR-22 and any input would be much appreciated. 1) What are the exact consequences if I choose to cancell my non-owner SR-22 insurance? I acknowledge that I will have to restart the process all over again when I want to reactivate it, but will the price be raised even more and the time frame? 2) Who do I call to find out how long I have to have SR-22 insurance; DMV or Local Court? 3) When does the SR-22 officially get activated, when the judge orders it or when I first started paying for the insurance? (I'm asking this because the insurance company I'm with is saying I shouldn't cancel because it will restart; I got the DUI 2 years ago and acitvated the insurance about 2 mounts ago.) I'm planning on going to a 4 year college so I don't want to be paying not to drive...! *I live in California if that helps you answer the question.""
What are some Big name Insurance companies?
Admitted Carriers I believe is the Term for Big name/Most Legitimate. I am in California. Please give me a list, of all the ones u can think of, all the commercials u can remember, what ever. I need to contact every single big name company, I am shopping for Commercial Insurance, & Need to find The Best price & Best policy thank you very much! & May god bless you!""
Car insurance?
why doesnt some insurance company give 17 year old drivers a chance, my son was quoted 4000.750 he works on a farm and works bloody hard,but the pays not great, i can understand these young drivers without any insurance, they make it impossible for them to get it, we know its wrong , and iam not condoning it ,just give them a chance it doesaint mean there all mad drivers .""
How do insurance company's value cars?
i had a 07 impala and just got a new 2010 impala and my insurance is cheaper on the new car than the old car why is that?? is the older the car the more it is?? or what really takes place on the prices??
Can i get a motorcycle insurance without having a license?
Or how else am i going to take the bike for the skills test
Can i put my car under my dad's insurance even thou its registered to me?
My car is financed but the insurance rates are thou the roof! im paying over 475 a month for full coverage, can i have my dad add it to his policy as a second car and still have it registered under my name? Will the finance company find out? will this be possible?""
house insurance contents quote
house insurance contents quote
Speeding ticket in california with no inssurance?
My friend jst bought a car from sacramento and i was driving it since it was manual he was jst learning and i was speeding in the freeway on a 70 went 86 and i got pulled over .. with no insurance since we were going to transfer hes old insurance in hes old car to this new one toyota xrs 06... how much will it cost me for the ticket and the no insurance please help me i have no idea what to do ?
About how much do you think insurance would be for a teen for state farm?
the car would be anywhere between from 1997 and 2002. I'm 16, a girl, had drivers ed, and have grades that qualify for the good grade discount, and am going to get my license soon. im looking at cars and want to know how much it would cost for insurance...do you have any idea how much it would cost?""
What is the cheapest auto insurance price in Michigan?
What is the cheapest auto insurance price in Michigan?
Car released to my insurance company?
my car has been released to my insurance company, for them to ascertain whether my car is repairable or is a write off, the car an MGTF Convertible was burnt to dust at the week-end and no courtesy car has been provided, making my journey to Edinburgh from Glasgow and back again every workday a bit of a nightmare, has anyone any idea how long this process of making me an offer will take, as it is costing me a fortune in rail fares""
How can I get cheap insurance?
I am 19,and I am thinking about doing my theory test for my full licence,but insurance are so expensive,especially for my age. Do any of you guys know how can I get cheap insurance? Do any of you guys know of any cheap insurance companies? Thank You all""
Approximate Car Insurance Cost for 2005 Audi A4 Sedan for 16 Year Old Male in New York?
I want to buy a 2005 Audi A4 but was wondering about how much the insurance would cost? I am 16 years old and a male, living in New York. Thanks.""
Why is a car insurance trying to settle a car accident claim fast?
I was in a car accident. The other driver did a squat and stop scam. (the driver speeds out quickly in front of another driver so he/she wont have enough time to stop and then sit there so the other driver can hit him/her) However, the other driver's car insurance trying to settle quick. The driver's car insurance company did their investigation and came to an conclusion that I was at fault.. (yeah right) The accident happen on 4/20/11 and they trying to settle on 4/28/11. (eight days later) When I mentioned that my attorney was handling the case. All of a sudden the company sending me letters claiming it my fault and I have to pay for my own damages. And, that I have so many years to take the claim to court. (hoping that I want) I just fax everything over to my attorney. I am still going through therapy. I do have car insurance. So, why is the driver's car insurance company trying to settle the claim quick when they was actually at fault? Please, only knowledgeable people reply. Thank you so much Note: The driver's girlfriend was told to fake she was injury because she is pregnant. Also, the driver came out the wrong exit of the driveway speeding..""
What is the average insurance on a motorbike?
Hi I would like to know what the insurance is on a bike, preferably a 'Yamaha YZF R125' Thanks xx""
How does health insurance work??? Payment?
I'm 18, jobless. My parents will stop paying for my insurance soon. How do I get a new plan and what will the cost be? NO MEDICAID. also what if you're pregnant""
How can we get our own health insurance?
What do we need to do to get our own health insurance and how much is insurance usually?
Insurance ........................?
i m working for a insurance company and doing 100000 rs business(premium collected in regular plans what should be myjustified salary
I need health insurance. I am 60 years old and live in Pa.?
There is no state program I qualify for, because I am on Social Security retirement. I need an affordable health plan which includes screening tests (MRI's, colonoscopies, blood ...show more""
What are the minimum state requirements for car insurance in california?
What are the minimum state requirements for car insurance in california?
Car insurance question! help?
Ok so I'm 17 years old. I have had my license for 5 months. I have never gotten a ticket, been in an accident or pulled over. My parents are buying me a car.. and well I'm a teenage guy so I want a sports car. My parents said I can't have a car with a v8 engine or any kind of GT because it will raise the insurance cost. I found a nissan 300zx online for around 4,500. It isn't a gt, its automatic and its a v6. I told my dad about it and he said no. When I asked why he said because nissans are different and the insurance will be high if I buy that car, but he says its fine if I get a different car make that has a v6. Is what he said true? Will the insurance go higher because its a nissan sports car? (We have gieco)""
Car insurance?
1st off i live in new jersey i accidently hit a car but didnt know i did it till later when the dude whose car i hit came up and confronted me.it wasnt my car but my roommates and i dont have insurance.ive offered to pay about 75% of the damage but i dont know if dude still wants to make a claim.i talked 2 the police and he said i could lose my damn lisence for bout 2 yrs.can any1 add a bit of clarity to this for me?
Why is it illegal to drive without car insurance?
I have heard rumors that it is illegal to drive without car insurance; first of all, is this true? Secondly, if this is so, why? Many individual American motorists experience between 0-2 minor accidents in their lifetime, some of which are very minor (where both cars still run fine and there's just a bump or so). Any information would be useful.""
How much does your insurance go up after getting a underage?
does anyone know how much the rates will go up? I didn't have my license when i received the underage and i still don't. I've never drove a vehicle. i don't have my license yet and im most likely not going to because my parents have told me the car insurance goes up now. I've looked online and it says that rates can double or triple. thank you for your answers.
New health insurance question?
How long after health insurance policy starts can you go to the doctor? My insurance starts on 11/01/08 just wondering how long should I wait to go to the doctor for my yearly checkup?
Motorcycle insurance?
I am looking at buying a road bike to save money on gas. i am 21 years old and have a good driving history. how much do you pay for insurance? I live in Michigan? do i need insurance? does it matter the size engine for different price insurance?
Can you have more than two car insurance policies in New Jersey?
I am under my dad insurance and so is one of my cars. Is it possible for me to be under another insurance with my other car or thats not possible.
""Looking for auto insurance, do I need to report an accident?
I was driving a friend's car and was involved in an accident. I was not at fault and no ticket was issued. My friend's insurance paid for the damage on the other car. Do I need to report this accident while shopping for car insurance or can I leave it out? I live in California and was required to report the accident to the DMV even though I was not at fault.
Why life insurance is so cheap ?
are they really going to pay after death ???
What is the best insurance company?
I am looking around for health insurance, but I don't which one is affordable. So, can anyone tell me which ones are the best ones? My employer does not provide health insurance.""
Is AARP's Homeowners/Auto Insurance A Good Deal?
Mom's insurance company made a whopping raise in her premium claiming they have been under charging her for 58 years! She wants to switch to AARP for homeowners and auto insurance. Are they a good company to deal with?
What is the best health insurance in california?
i could either choose blue cross hmo or ppo or kaiser hmo..not sure which is best?
house insurance contents quote
house insurance contents quote
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Tip cheap car insurance in irving tx
Tip cheap car insurance in irving tx
Tip cheap car insurance in irving tx
BEST ANSWER: Try this site where you can compare free quotes :HELP-INSURE.NET
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I'm using blue cross and blue shield and it covers NOTHING!
Someone who knows California car insurance?
So my parents are out of town for the weekend and my aunt is watching us. My brother has his permit and he was driving my aunt & I around. My aunt was in the passenger seat. So my mom called saying that my brother can't drive until she gets back because he is not under her insurance. Is this true ? Or is she just saying that ?
Trying to find cheapest van insurance for private use?
Has anybody researched cheapest van insurers in uk
Is anybody looking for affordable health care insurance?
I work with ASSURANT HEALTH, I can get you a free quote just let me know.""
Pickup Truck insurance at age 18?
I am 18 and I want to get a Nissan Navara. I have got a quote for the non-commercial versions eg le, se and xe for 1990 which is fine, but I cant get an online quote for the D22 version. Its a 2005 D22 Navara di. It says I have to ring them as they cant give me an online quote. Does anyone know if this model can be insured on normal car insurance as I am under 21 and it will be very difficult and expensive to get commercial or van insurance.""
How can you negotiate with car insurance agency after a wreck if you have no insurance to cover other driver?
How can you negotiate with car insurance agency after a wreck that was caused by you if you have no insurance to cover the other driver? Are there any legal ramifications?
""For a new driver 21 or younger, how much did your monthly car insurance decrease every six months? Every year?""
If you are 21 or younger, and pay for your own car insurance. If you have not had any accidents, or ticket violations applied to your driver's license....How much did your monthly car insurance decrease each year? What was your monthly payment from 16-21 years of age if you did NOT drive a sports car? Please list the state you reside in, and whether you live in the city or suburbs. Thanks.""
Health insurance in Texas for low income families?
My dad recently lost his job, but has an existing medical condition, an ex-wife, and 5 kids to support. I don't know much about the health insurance options in Texas, but I'm looking for a program that will allow my family to be insured for cheap... something like Arizona's AHCCCS health insurance for low income people""
What is the least expensive general liability insurance you can get in Connecticut?
My father-in-law is a handyman who needs to renew or purchase general liability insurance, but he doesn't have the money. I'm just trying to help him out so he doesn't screw himself if god forbid something should happen on the jobsite. Thanks.""
Cheapest tuner platform to insure?
I am a 16 year old male looking to buy his first car. I know im in the situation to get the highest insurance already, but im still looking for a tuner. I have about 4 grand to spend so ive been looking at civic vtecs, 240sx's, vw's and many others. I was wondering how much some tuners cost in insurance for my age and sex, and also any other cars that are cheap to insure, but i can get a lot of horsepower out of. Thank you!""
What health insurance should I get?
I really need help on picking out a health insurance plan. I started working as a nurse. The facility where I work does offer insurance, but I think I rather pick an independent insurance company outside of the hospital. I'm planning to buy health insurance for my mom as well. She couldn't get medicare yet. Can you guys tell me some information about health insurance? The only company I know which I heard from others is blue shield/blue cross. I have looked around their website yesterday, but they have a bunch of plans which I dont really understand. I think the cheapest plan they have is near $400 a month for one person?""
""How much does homeowners insurance cost for a 250,000 house?""
How much does homeowners insurance cost for a 250,000 house?""
insurance rate quotes
insurance rate quotes
Would a chevy impala ss cost more for insurance than a normal impala and how much more would it cost aproximat?
Would a chevy impala ss cost more for insurance than a normal impala and how much more would it cost aproximat?
Accident and Insurance questions. In California.?
So I got in an accident a couple of weeks ago. The other driver refused to show me her insurance. I was found 100% liable for the accident because the other driver lied about the accident . Now I'm getting phone calls from the other drivers insurance telling me that they are investigating their client because they think she got the insurance a few hours after the accident. What does this mean for me? I provided some pictures to the investigation team because they wanted the exact time of the accident. If the driver is found guilty what will happen. Will I still be liable? Also should I let my insurance know about this investigation.
Can I get temporary insurance on my dads car?
My dad already has insurance on his car but I want to get temporary insurance while I am at home from uni. I tried looking on the company he was with and I from what I checked, they wouldn't give me a policy. Would I be able to get temp insurance from another company even though my dad has insurance from a different company?""
Florida Home insurance help?
I was recently dropped from my insurance company.My credit is bad so no one will cover me what should I do? I will also need flood insurance.
If your car is in storage do you still have to carry car insurance?
If your car is in storage do you still have to carry car insurance?
Insurance.....?
My storage builing was broken into and some of my things were stolen... i have insurance on it and I called the insurance company to report it. I'm waiting for the adjuster to call me back to see what all was taken... what can I expect? Are they gonna have to do alot of research... how long is this gonna take?
Allstate Insurance Price Estimate?
I was wondering what the price of a 1993 2.3 L V4 Mustang LX would be for a 17 year old male would be with less than 100K miles on it
How much will car insurance give me for my totaled car?
made a bad decision basically and after losing control and flipping into a pole im left wondering what I'll get for my car. 2000 honda accord ex coupe 3 liter v6 83000 miles leather powered seats moon roof etc...
Who'd rather have health insurance than Free National Health Care
Despite the imperfections in the system (and there are plenty) I'll keep what I have rather than Micheal Moore's fictitious nirvana of government run health care.
Cheap insurance for a 17 year old?
Is there any hope of me insuring a group 14 insurance car? I don't care how crappy the insurance is as long as its legal. All the quotes I have been getting are ridiculous.
What is a good cheap auto insurance?
i have progressive right now and its almost 300 cause i have a new car..are there ne others that are cheaper but have a good policy??? i live in kentucky
Car Insurance for young people?
I know I can go online and get a quote by entering in a bunch of information.. But generally speaking.. How much would insurance be for 1.) an 18 year old female college student with good grades, no accidents or tickets. 2.) a 20 year old male college student with good grades and 1 speeding ticket Asking about general liability for a semi-decent car. Any other information would be great =]""
Car insurance for teens... cost?!?
im 17 years old and im getting a miata 93. how much will insurance cost be around. by the way i have good grades
""Car Insurance, young male?""
I'm 18, i applied for a 6000+ loan and was approved, I didn't even need a cosigner because my income is very good. Its too bad the insurance company's just DESTROY ME when I find a car I like. I dont wanna drive a damn beater, I dont care how much it will save me. I am currently insured under state farm, they told me insurance for a mitsubishi diamante vr-x would be about 2800 a year.... My family has been with state farm since my grandpa, we have insured over 30 cars in our familys, and this is just the terrible quote they give me!? Its despicable, I refuse to insure with them. What are some good insurance companys that will cost less? I already checked e-surance and the price was better by far.""
What is the cheapest way to get car insurance?
i passed my driving test yesterday and am looking at buying my first car but no matter what car i go fo i always get quoted around 3500 but i just cant afford that. does anyone know of any companies that specialise in young or new drivers insurance? and i would prefer less than 2000 lol xx
""I had a crash in my driving instructors car, do i have to tell my insurance for my car seeing as this was on h?""
I had a crash in my driving instructors car, do i have to tell my insurance for my car seeing as this was on his policy? thanks""
Health insurance for the self-employed?
Are there any AFFORDABLE health insurance plans out there that actually cover the basics? I'm currently paying $325/month and my policy won't even cover an annual exam, even after the $2500 deductible has been met. I'm in Wisconsin.""
Would Hillary Clinton health care insurance plan be like the law for car insurance?
The law for car insurance says: everybody who has a car has to buy private insurance for that car . Would the law for health insurance be similar if Hillary Clinton is elected president: everybody who has a body has to buy private heath insurance for that body . Will it be like that or have I misunderstood her plan? Please explain it to me.
What is Excesses and cover level in Car Insurance?
Hiya, I am just trying to get Car Insurance quote, in some of the web sites I am being asked to enter the amount for Excesses and cover level , the more amount I am selecting for Excesses and cover level the less insurance premium it comes up with. Can any one tell me how does it work? What is the benifit of paying Excesses and cover level, should I go for less or large amount for Excesses and cover level? FYI.. I just got my Car Driving license so I don't have Driving experience in UK.""
How soon does actors get their health insurance?
How soon does production company offer health insurance for their workers? And, what other insurance does the production company offer their workers; and, how soon?""
""What are insurance rates like in Thailand. Car, health and home.?
I have no idea what the charge for insurance and I hope to retire soon. I own houses in Thailand but they are not insured. And help would be appreciated.
INSURANCE QUESTION ?!?
18 year old, male, 2010 camaro ss with 4000 miles on it. had a few speeding tickets, no wrecks LOOKING FOR INSURANCE QUOTES PLEASE""
Cheapest Car to Ensure?
What would be the cheapest car to insure for a 19yr old male, license for 2 years, without the best insurance past... Written 1 car off in flood water, and crashed another, so not expecting anything much under 2,000?""
Car title and insurance question?
If my name was put on the title of a car (I'm 18), would it affect the insurance rates even if the car was insured under my parent's policy as a occasional driver? Does the insurance company have the right to change the rates on a car depending solely on whose name is on the title?""
How do I find really cheap legal insurance for my superbike?
I have been licensed in the U.S. for only 3 months, but I have been riding motorcycles for over 20 years outside the country. I am in the process of buying an expensive superbike, but the insurance quotes from major companies are way, way, way to high for my liking. What are the alternative methods?""
insurance rate quotes
insurance rate quotes
How much would 6 points on your licence affect your car insurance?
I have just received 3 points and 3 points i have from a couple of years ago.how much will my insurance go up,now i ahve another 3. Please no smart *** answers like well u shouldnt speed ect.. just a straight answer please..thanks xxx Thanks you xx""
Choosing the most affordable insurance company?
I'm currently staying in Texas and I am shopping for an auto Insurance for my Mitsubishi Lancer ES 2011. I'm 22 years old and I started driving for the past 9 months, and also had received my Texas drivers license 9 months ago. I never had an accident of any kind or received any tickets. I need to find an auto insurance company that's affordable, I understand that because i'm a new driver and young I will be paying more. But I would like to get any tips on getting a cheap quote while satisfying all minimum state requirements for bodilly injury liability, property damage, motorist and etc. plus a $500 deductable for both comprehensive and collision coverage. Also if im asked how old I was when I received my drivers license, would it make a difference in my auto insurance monthly payment if I lied and said I been driving since I was 20 instead of 22?""
Car Insurance Payout?
I have a car in Ireland, it was stolen the other night. But I am working in the US at the moment. My car is fully insured, but because it was left in the driveway of my girlfriend, will there be a problem getting a payout. It is worth about 5000 euros, how much should i expect to get??? Thanks!""
Medican Insurance after 21 years old???????
I am 20 years old i will be 21 soon , i heard that my medican insurance will be cut when i am 21 years old ... Can some one please tell me what i can do to keep my insurance ???? WIll going to school full time help, working ... anything please just tell me anything that u know.""
I'm stuggling to find car insurance HELP!?
I'm 21 and i past my driving test in may 2011 and got my car in july, I was insured by swiftcover for 145 per month but then I become ill and had to leave work so I couldn't afford the payments and decided to cancell my insurance til I could get back to work, but when I tried to renew my claim with swiftcover then said their policies have changed and they can no longer provide insurance for people who have been driving less then 4 years! So now every other insuance company want around 250-280 per month and I just can't afford this. Do u know any cheap insurers that take on young drivers in the UK, HELP!""
Where can I find low cost medical insurance?
Where can I find low cost medical insurance?
Do I need to be on the car insurance if I don't live in the house?
I get my license tomorow and my dad was planning on letting me use his car Friday. His insurance covers the driver of the car, but then other insurance policys are saying that I need to be under the insurance, if I am in the home. I don't live with him. So does he still need to add me to the insurance, since I don't live in the home?""
Cheap Health Insurance in Arizona?
My dad and I haven't been to the doctor in years, he's almost 55 and it's really time he gets a checkup. Unfortunately, we're not the richest the people but we make too much to get state insurance. I was wondering if there are any cheap insurance options. The cheapest I've been able to find is $133 a month which is still pretty high for us. Oh and I'll be 19 in a few months, which seems to be the cutoff family insurance age.""
Does anyone know of any affordable health insurance for the state Arkansas?
Does anyone know of any affordable health insurance for the state Arkansas?
HELP!!! Car insurance - 10 month bonus accelerators and cheapest insurance companies?
Hi has anyone had any problems with a bonus 10 month accelerator policy when renewing??? also any ideas for the cheapest insurance companies especially when paying monthly and being a young driver (only 20)? thank you xxxxxxx
Car accident with no insurance in FL?
I was in a car accident where the other driver admitted it was her fault, and i had a witness - as well as the officer saying it was my right away. However, I did not have insurance.. I assumed I was still under my parents name but my dad took me off their insurance a couple months ago. My car is totaled, and im in some pain ( nothing minor, just very sore )Where can I go from here? is my only option to call a lawyer or can i directly go to her insurance? all i want is a rental for the time being and to get money to buy a new car ( so w.e money my totaled car was worth) i want to make this as easy and fast as possible which is why i dont want a laywer involved. is that basically my only choice though? Thanks""
Affordable Health Insurance for small business owner?
I own a small retail store in CT and just received notice that my health insurance (for my family as well as my employees) went up by 23% (!). Now I'm trying to research online what the best options are in terms of affordability and coverage. I looked into HSA but am afraid that my employees might not be able to pay the high deductible out of pocket. I also wonder if getting individual health insurance (not via the business) would work if I pay a portion for each of my employees and if those tend to be less expensive. I pay 100% for my employees now and partly for their family members and would like to continue doing that but the prices are just getting ridiculous. If anyone has any suggestions I really appreciate it. Sadly, I am not internet savvy so shopping online has proven to be hard and insurance jargon just seems like a foreign language to me... :) Thank you
What happens if you lie to a new car insurance provider?
I was cancelled for reasons out of my hands, apparently the insurance person didn't record I had spoken to them during a conversation. So my broker cancelled my insurance. Now everywhere I go they want to charge me a lot more for thsi cancellation and I can't get through to my company to try to have the cancellation revoked. What happens if I apply to another car insurance company and say i wasn't cancelled. I pay ontime there's nothing wrong, are they going to find out about the previous company somehow?""
Need to find homeowners insurance?
Have pit bull trying to find homeowners insurance that will allow me to keep my dog
How much would insurance cost for a 2005-06 mustang?
i am 16 and want a mustang how much will insurance be for a year compared to the average car... also i wont have a big engine....the car will be 14,000 or less""
Insurance company stepping over the line?
I was rear-ended last Friday. The lady who hit me was totally at fault, and admitted it to her insurance company. I have filed through my insurance company, gave them a verbal and recorded statement and my vehicle has been assessed with damages over $5000 dollars. Here's the catch....the insurance company of the lady who hit me calls me daily (leaves messages) asking me to talk and give a second recorded statement to them even though they know I have already given my insurance company one. I have talked to my insurance company about this...and they said legally I do not have to talk to them at all....I am not filing through them and that's that. Is this standard or is the other insurance company trying to be sneaky?? Thanks!""
Does not having license on you affect insurance?
My brother was returning home one evening last week and thought that the speed limit increased before it did, so he was pulled over for speeding. He was let off for that, but given a ticket because he didn't have his license on his person. He has one, but he left his wallet at home. Now he is worried this will affect his insurance. Does anyone know? Does he have a rap sheet or anything now? This is his first ticket. I have no experience with this now.""
Will my car insurance go down if i didn't have any accidents or traffic tickets?
i was 20 when i joined my families car insurance. its almost going to be a year and now i am 21. i did not have any accidents or traffic tickets. is it possible that my car insurance will go down? or will it stay the same?
Where can i get the cheapest car insurance if im 18?
93 prelude
Address change with car insurance?
when you change your address with your car insurance (ex: geico, progressive, all state, etc), do they go ahead and notify the dmv and the town you live in that you have moved and have a new address? of do you have to contact the dmv and town yourself and notify them? does the insurance company notify anybody?""
Is everyone that gets insurance through work getting their notifications that insurance is going up?
Has anyone else noticed a great number of questions complaining about ins going up. These people are getting insurance through work. The notices must have gone out this week?
How much is my car payment and insurance?
Hey, everyone else is asking the same 2 stupid questions, now it's my turn!""
I got into a motorcycle accident. insurance question...?
When I wiped out on my bike I tried to make a claim after I got home from the hospital. Little did I know that my insurance coverage had ended two days before the accident. Now my question is, will my health insurance pay for my medical bills from the accident or will they deny me because of my lack of motorcycle insurance at the time of the accident? When I found out about my lack of coverage, I immediately paid and got up to date but they told me that those two days when my coverage ended will not be covered... am I gonna get hit with all the medical bills? Or will my health insurance step up and cover me?""
I had medical insurance but did not submit the bills till after the insurance was done new insurance wont cove?
Any help would be appreciated this was actually a few years ago but my dad claimed he was working on it but nothing has been done. Its already gone to an outside collections agency. It was in California
Female car insurance companies?
does any1 know any good cheap female car insurers?
insurance rate quotes
insurance rate quotes
How much would all state car insurance cost per year for a 16 year old with a 2004 Pontiac GTO??? ?
How much would all state car insurance cost per year for a 16 year old with a 2004 Pontiac GTO??? ?
Is Travelers insurance company good?
We are shopping around for home owners & car insurance. Travelers is coming in cheaper & with more coverage than other places. I have not heard of them before (which doesn't mean anything) but Wiki has a lot of good things to say about their company. Curious on personal experiences & recommendations!
What insurance do you have ?
we are looking for a good family insurance that could have dental coverage and eye care coverage as well as health any suggestions ? (ps family of four)
What is a good company for individual dental insurance?
What is a good company for individual dental insurance?
Can I get a motorcycle license without a drivers license ?
I am 16 and I live in Florida, I just want to get a motorcycle license without the whole drivers license thing because cheaper insurance. My parents are making me pay and I need it as cheap as possible. Thanks :)""
Whats a ball park price on car insurance for.......?
18 year old, not married, perfect driving record, in Georgia, one car, and only me being insured..... not sure about the make of the car yet haven't decided what I want. I'm planning on buying a new car and paying for it WITHOUT MY PARENTS HELP!!! Around how much would that cost me per month?""
Will my car insurance go up much?
im planing on buying a new car in the next few weeks, im just wondering, will my insurance go up much? I currenty have a Peugeot 206 GLX 1.4, 2000 reg. I am hoping to get a Vauxhall Corsa S 1.0 ecoFLEX, 2011 reg What other cars should i consider, that are cheap to run/ insure / road tax ectect..""
Do they drug test a newborn if the mom has private insurance?
Please read the entire post before replying. I have heard many conflicting stories. Some people say that they automatically drug test newborns if the mother is on medicaid. Some ...show more
Can we get car insurance for some days????????....?
i had car insurance and just expired ... now i want to sell the car so i dont need any futher insurance..like 6 months to 1 year . but i need couple of days 5-6 to sell my car...can you help out.........how can i get insurance for sometime......
Where is the cheapest (most affordable)place in ma for car insurance?
I am new to boston and need car insurance..any ideas? My car is a new 2008 Toyota..
How much is insurance for a bmw z3?
I'm a male 16 yr old , just got a 1999 bmw z3 convertible. 30,000 miles for $6,999 (sweet deal!!) what would insurance be? My record is clean (of coarse) and straight A's. ...show more""
Car Insurance for Salvaged Vehicle?
Does anyone know if I can buy full coverage insurance for a salvaged vehicle?
Auto insurance quotes?!?!?! please help!!!!?
i need a rough estimate and i really dont feel like typing in my information online and getting a real quote lol i just want a real rough quote with average coverage. if anyone could help that would be great. insurance for a new driver with good grades better than B's and all that junk. the car is a 2003 cadillac deville DTS with like 101,000 miles on it. anything could help!!!!! :)""
How good is military insurance(Tri-Care) for maternity care?
My husband is in the military. I've never used the insurance, but I will need it now that I'm 6.5 weeks pregnant. How's the coverage?""
Cancer Victims that do not have health insurance in CA. What can i Do?
My mother inlaw has cancer in her stomach and has now spread to her liver and hip bone:( but does not have good health insurance. She has no income. Please let me know if there are any programs we can look into to help her. THank you!
Car Insurance Question?
A couple of months ago, I checked out Insurance on Money Supermarket and got a cheap quote of 1,115.44 for a 5 door 1.1 Citroen Saxo, but I've been recently checking again and now all the quotes from the same company are over 4K??? Are they allowed to do this anyhow? And if I phone up the company and tell them about the cheap quote, will they give it to me?""
What is the easiest way to have insurance?
My unemployed mom spoils my 12 y/o little brother everyday and I only work 14 hours. I've tried applying to 30 stores but my AA diploma is worthless.
Insurance cost on Audi TT 16yr?
I currently drive a Jeep Grand Cherokee (2002) to and from school but im in need of something that gets better gas mileage... I am currently very interested in an Audi TT because it is an inexpensive fun looking car and gets approx 28mpg. I am looking for around a 2000-2002 model Hard Top. How much would insurance cost for a 16yr Male Good Student while driving an Audi TT? Is there a huge difference between that and driving a Jeep Grand Cherokee? Thank You
Ideal first car cheap on insurance.?
Cheap first car with cheap insurance in the uk? For a 17 year old. I look on auto trader with 1.0 liter engines but its all deawood matiz which looks like a girl car. Thanks.
Accident and insurance?
If you get into a car accident, will your insurance pay for the cost of repair, or if it is totaled will it pay for a new car? In what situation will they be able to pay for the cost of repair or car?""
Why is fully comprehensive much cheaper then 3rd party for a 17 year old?
Hello I am getting close to passing my test and i have been looking at the types of cars that i can get that will give me the cheapest insurance quote. I am planning to go on my parents insurance as an Additional driver an they would own the car. I was looking quotes and was surprised to discovered to fully comprehensive was much much cheaper then 3rd. about 1400 compared to 3200 what is going on, also a renault 1.2 Clio is more expensive then a 1.6 renault Megane. Any advice on getting low insurance and why is fully comp cheaper? thanks for any help""
How much is car insurance for a 16 yr old girl in FL?
i want a car, something sporty but it can also be 4 dr too. =]""
Whats a basic cheap Car Insurance for a 18 year old?
Hi I am 18 I live in New York and have had my lisense for about 6 months now and my insurance is pretty expensive like 1200 for HALF A YEAR which is crazy so I was wondering if anyone know of a cheap insurance company for basic insurance thats maybe 1200 for a whole year or cheaper. I also drive a 1994 Saab 900 S Hatchback 2 door
How long of a grace period do you have after buying a car to get insurance???
i just bought a car and i just so hppen to get pulled over....i just bought the car the day before....so i give the cop all the information i had on the car and told him i bought it the day before, but he still gave me a ticket for no insurance and no plates, because the car had paper plates. i was told that i get a 10 day grace period but i don't know if thats true.""
Can you get car insurance just for a few days?
1st time driving (well With my license) lmao, have drove be4. but i got my g1 a month ago, and bought an suv 2days ago wht i play on gettin rid of as i found at theres no way i can get it safty as it needs a weld. but i would at least like to drive it for a few days on a Trip permit, but u need insureance in order to get tht. and i was told there is a pay-by-day insurance that u can get. so i am wondering how much would insurance be for only 10days? as thts how long a trip permit is good for ps.. i live in belleville ontario""
insurance rate quotes
insurance rate quotes
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