#this isnt news per se but i just thought someone might find it useful

[felassan]

the list price for Dragon Age: Tastes of Thedas (the cook book) is $34.99 ("prices may vary by retailer") and that's how much it currently is on some outlets. however, if you want it, it's worth checking around to see what you can see price-wise before buying from anywhere. for example, I'm not sure if these prices are because of the time of year or not, but:

Barnes & Noble: $29.74 (using the 15% off code in the site banner)

Forbidden Planet: £16.99 (which according to Google currency exchange at the time of writing is ~$21.45)

Simon & Schuster: $32.54

Amazon: $24.45

[limetameta]

Played the Last of Us when I was a kid and now I watched the show for the first time and I gotta tell you what this has spawned is a TLOU au in Fmab where Riza and Edward are Joel and Ellie. Al is dead. Blood seal broke trying to save Ed from the infected swarming them. Ed is immune because he did human transmutation. Actually in this au it isnt a fungal evolution type infection per se as much as its a bioalchemy experiment on fungi gone severely wrong so the only people immune are those who did human transmutation because it's fun, chimeras can get infected but it doesn't really spread like it does with humans so they have a longer time before they turn or maybe they need to get bit multiple times to turn. Homunculi ofc are immune because of the ph stone. Want to say that they use a gotcha system where if they get bit one of the souls in the ph stone croaks and not them. Absolutely same deal with Mr I swallow ph stones like a whore Kimblee who doesnt broadcast he has a ph stone so ppl think he's legit immune and they're hunting this mf down for a vaccine.

The author that brought you gnarly scenes such as anything in Black Honour also brings you a scene where Maes has to shoot baby Elicia because she got infected and went wild trying to kill Ed :D

Berthold Hawkeyes house is the best place to be. That man made a bunker decades before anyone thought smth like this might ever happen.

Riza and Ed run into many different folks on their way to figure out what the fuck is happening (this is like set in the 1st month since shit hit the fan so double the chaos - think trains getting derailed because of people going crazy and trying to eat each other - absolute pandemonoum purge type shenanigans where everything is new and the government is losing its grasp on the people)

Riza and Ed are trying to find Roy Mustang whom they only heard is somewhere up north east. Maybe in Central City (it hit it here first and hardest - overrun with infected)

They sent most of the State Alchemist to try and take care of this. But some like General Grand and Colonel Mustang got orders to take care of the infected and make sure it didnt spread - ie theyre the bombs in this au eyy it wasnt enough to do this shit in Ishval guess you need to do it again but in towns with ppl u genuinely know :D !! Horrific shit. Reason why Riza isnt with Mustang and doesnt know where he is.

Radios are down and they need to reastablish some towers that were knocked down.

(Fort Briggs for example in this au would be 0 infected because they kill the infected imediatelly sucks to be u but they are preserving their numbers and they too are in a giant bunker of sorts)

The homunculi are very pissed off about this because you cant use the infected as a soul for their big transmutation circle so Father has put them on Top priority to get to the bottom of this because they are running out of TIME.

Just for shits and giggles. And this rly is the cursed timeline: instead of splicing his daughter with her dog for his recertification exam, Shou Tucker tried doing a lil bit of a bioalchemy experiment with fungi :) because he's such a fun guy eyyy

Riza and Ed are in CC and Riza gets stabbed so this is now Ed's solo arc trying to find medicine for her and anyone to help. He takes her to Christmas dive bar to recuperate. Not a soul to be found there. Everyone is fleeing Amestris. Folks in Resembool are going to Ishval because they know nobody is there in the ruins. Ed doesnt know if Pinako and Winry are even alive but he hopes they are. Someone has to be in this mess.

Ed doesnt rly want to use his alchemy because the more he does the easier it is for these infected to find him. And while he is immune he doesnt fancy losing more limbs to these bastards.

Riza looked super unwell. Ed doesnt know if hed be able to navigate any of this by himself. He doesnt know if anyone he knows is still alive. She is his lifeline at the moment and this means he has to save her. Especially if Mustang is still alive. They gotta meet him and they gotta succeed.

Ed knows the hospital is too far away. But theres got to be a pharmacy nearby or smth he can raid. He has to.

But all of them have already been raided. And the infected are growing in numbers. Yet Ed refuses to go back. He can't let Riza down. He can't let someone else he loves die protecting him.

Through a series of dastardly events, Edward winds up finding a shackled man trying to break free from some infected chimeras. The man is screaming for help and crying and really being pathetic. Ed is the people's alchemist so he will help you pathetic crying man! Winds up saving him. Winds up getting mugged because the seemingly infeccted chimeras and the man are in on a con together to survive.

Edward fights them. Gets overpowered due to numbers. "MOTHERFUCKERS!!!"

"Children these days are so rude :/ "

Anyway after some more back and forth Ed learns this guy is some big shot alchemist from Ishval and asks him if he knows Riza Hawkeye. He needs medicine for her.

The chimeras are all like sorry kid we dont have any medicine.

Kimblee, with a ph stone in him: I could heal her with some alchemy. Our party would benefit from a sniper.

So Riza gets saved via ph stone. Wakes up and sees Kimblee. Imediatelly takes a gun and tries to shoot him.

Especially when she sees his bite marks!! Motherfucker STEP AWAY. Hes like I got these weeks ago!! Liar! No, really! I'm immune! And I'm the Fuhrer President himself *cocks gun*

Fun times lay ahead on their search for Roy Mustang.

[zmayadw]

Hello, hello!

Time to continue. I’ll post 2 parts again, so lets begin..

First one :)

CALL OF THE RAVEN

PART 11        

Jessy came to Aurora shortly after, finding Phil and me sitting in the booth laughing and chatting. „You two are awfully cheerful.“ She said nearing us. „Hey Jessy“ i chimed back cheerfully „Well, Phil is a good company, how not to be cheerful.“ Phil grinned at her, wich made her look both of us skeptical „Yeah, yeah, if you say so.“ „Aww, sys,  dont be so cruel.“ He teased her. She made a face at him, turning to me „You ready? Im starving!“ „Ready“ i told her, taking my stuff and getting up. „Cya, Phil, thanks for everything.“ I said, smiling at him. „No worries, Maya, glad we talked. Dont be a stranger.“ He said, winking at me as he got up and went towards the bar. „What was that all about?“ Jessy asked as we left the Aurora. „Oh, nothing really.“ I replied, wich made her look at me with doubt. I quickly tried to change the subject „So, where are you taking me for lunch?“ i asked, grabing her under her arm. „I tought some junk food is what we need after last nigh, hamburgers and fries might be a good choice.“ She grined. „I totally agree.“ We walked to the hamburger place, wich wasnt far from Aurora. We sat at one of the tables, and ordered some food. As we waited for it, she told  me how Dan managed to wake up just before she left, begging her to drive his car back, and bring him some food. „He can really drive me crazy sometimes!“ she told me. „Aww, c'mon, thats why you like him.“ I teased, and she laughed. Our food arrived, and we started eating. After a while, i finaly told her, between my bites „I saw Jake last night.“ Jessy almost spat her drink. „What?“ she almost screamed „What? Where? Talk!“ I told her all about it, from the hoodie part, to where i left him standing. When i was done i added desperately „I messed up everything again, Jessy. I didnt hear him out, i was just so tired and frustrated.“ I sighed tiredly „Why is it always so hard with him?“ i paused before i said, sadness creeping in my voice „I just dont know how much more i can go on like this.“ Jessy looked at me, sympathy and care all over her face „I know, Maya. Its hard sometimes, God only knows how much.“ She started „Im just gonna say one thing. Just be totally sure you tried everything there is to get to the bottom of things with him, to be on the clear, once and for all.“ She paused before continuing „I can see how much it pains you, and i see you really care for Jake.“ „I do, Jessy, more then you can imagine. But im tired, so tired of constant fights with him, and not getting anywhere.“ „I know. And i really hope you will resolve it soon.“ She looked at me, giving me a reasuring smile „In the mean time, you can talk to me whenever you need a shoulder to cry on.“ I smiled „Thanks, Jessy. I really appriciate it, you have no idea how much it means to me. Im really greatful to have you in my life.“ She looked at me, took my hand and squeezed it „Im here for whatever.“ We continued with our food. When we wer nearly done, she oredered some food to take for Dan, and when it was done, we payed and left. As we walked back to the Auroras parking, Jessy asked me, all serious „Maya, what's going on with you and Phil?“ I looked at her „Aghh, its complicated.“ She stoped walking, and i did the same „Dont get me wrong, its non of my business“ she started „But to be honest, i've never seen Phil act like this, towards anyone. I think he's really into you, and, well, with all thats happening with Jake..“ „Dont worry, Jessy“ i said „I actually had a long conversation with Phil about all this earlier.“ She looked surprised „He knows  about Jake?“ „Not exactly. I didnt mention Jake per se, but he knows something is happening.“ I paused before continuing „I like Phil, Jessy, and he knows it. But we came to a mutual understnding about it all, so noone could get hurt in any of this mess.“ She continued walking „Aright, thats good. He is a jerk sometimes, but he's my brother, and i do wish him well.“ „I know, Jessy, and trust me, i dont want for anyone to get hurt here. I hope all will get in the clear soon.“ „I hope so too, Maya“ she said, as we came to Dans car „I really hope so, for both your sake, and the others.“ She gave me a tight hug, before entering the car, and smiled „Im here if you need me.“ „Thanks , Jessy, same here.“ She started the car, honking as she drow off , me waving her as i entered my car. Driving to the motel i tought about all that Jessy told me. I hoped she was right, and things will get clear soon. I really was torn inside. I had some decisions to make, and not an easy ones. And i was scared.

When i got back to the motel i realized i left everything in such a mess, and decided to clean it. I collected the sutff  thrown all over the floor. I grabed Jakes hoodie, burrying my face again in it and taking a deep breath. Damn, i tought, i wish i could talk to him, i need to know what will be with us. If there even is a possibilty of 'us'. And all that was going on with Phil was making me confused. My phone rang then, and i quickly put the hoodie on me before answering it. I checked the caller, it showed no number.. Could it be Jake? Then again, why would he hide his number? I answered the call „Hello?“ but there wasnt any replie. I said 'hello' few more times, before whoever was on the other side ended the call. Strange,i  tought, but decided to ignore it, someone probably just dialed the wrong number. I continued with cleaning, realizing i should get some laundrey done. I saw a self-service laundrey in town, i should wisit it tomorrow. When i was done, i decided to try and do some work. I sat at the table, opening my laptop, putting some music on. It always helped me while working, and this time wasnt any different. At some point, i checked my phone ,it was past midnight. Nice, i managed to finish on the project i took, without any interruption. I closed the laptop and went to the bathroom to brush my teeth. As i got to bed, i thought of Jake again. I hoped we would talk soon, i meant what i said to Jessy earlier, i really didnt know how much more i can go on like this. I sighed, closed my eyes, wishing sleep comes fast.

           When i woke up i felt quite rested. Even tho my mind was a complete mess, i had a good night sleep. I took a shower, brushed my teeth and got dressed. I took the laundrey, grabed the car keys and my purse and headed for town. I parked near the self-service laundry place and took the stuff from the car. Putting the laundrey to be washed, i decided to go for coffe while it wasnt finished. I left the laundrey place, and walked to the coffee shop near by. I sat at the table outside, and ordered myself a big coffee and a toasted sandwich, might as well get some breakfast since im here. I took my phone out checking for some more work and found few interesting ones. Some alone time just working might be what i need now. I checked the news feeds and mail while drinking coffe. Jessy called at some point, telling she will be going to her sister for a few days, apologizing for leaving me on my own. I told her not to be silly, that i'd be working mostly eitherway, so she felt a bit less guilty about it. She promised we'll meet as soon as she's back, wich i acceptet cheerfuly. I was done with coffee so i paid and left. I collected my laundrey, deciding to get some stuff from the store before heading back to the motel, so not to do unnecessary trips to towns center every little while working. When i was done, i got all the stuff and headed back to the motel. I putted the stuff away, and clean laundrey in the closet. I went out of the room to get some ice from the machine by the entrance to the motels office. When i got back, i poured a drink  and took my phone. There was a missed call on it, and the number was hidden. Again? What the heck, i tought. Work was calling, so i dismissed it from my toughts, and focused them on working instead. I worked till late again, before deciding i had enouhg, chrasing to bed.

The next day i spent most of it working. I stopped only to eat and drink something in peace, and i took a short walk to stretch my legs a bit. I took a shower before going to bed, luling my self to sleep with some movie on the tv.

On the next morning, after i got up, i decided to quickly go to town for some fresh coffee. I drove to town, stoping at the caffee and getting myself the biggest 'coffee to go' they had, heading back to the motel. I got back to working, but was interupted by my phone ringing after a while. I checked the phone, and smiled when i saw who the caller was. „Well, if it isnt my favorite barkeep!“ i cheerfully said in my phone. „Hello gorgeous.“ Phil answered me. „Where you hiding at?“ he asked. „Oh, im at the motel. Working my ass off.“ I told him. „I'v been lazy with it lately, so it's taking its tol on me now.“ „Aww, sorry to hear that.“ He said „But, even so, you need to take a break. Bring that pretty ass of yours to Aurora tomorrow night, we'r having a party!“ he said cheerfully, and before i could even start to protest „And i'm not taking a 'no' for an answer here!“ „Aww, c'mon Phil, thats not fair.“ i started teasingly „You took all the fun out of it! I'm good at protesting!“ He laughed „I bet you are. So, see you tomorrow?“ „Ofcourse.“ I said, adding „Hey, Phil, whats the party for, by the way?“ „Oh, right, i keep forgeting you're not from around here.“ He said. „And i tought Jessy might already told you.“ „Nop, she didnt tell me anything, and since she is with your sister, we havent really spoken much these last few days.“ „Ahh, i see.“ He said „Well, in that case, it's the Aurora's opening day anniversary, and its pretty packed for that night,with drinks being cheeper. So be sure to come early, i'll save you a seat at the bar.“ „Thanks, Phil. I'll bring myself and my pretty ass then.“ I said teasingly „Thats the spirit!“ He chimed. „Alrighty“ i said. „See you tomorrow, then.“ „Cant wait.“ He said „Laters, Maya.“ That migt be fun, i tought. And if im lucky, i might finish with work by tomorrow morning, so some fun would be like a reward for it. I continued working, and was happy that i actually finished before i tought i would.I  checked the time. It was almost 3 in the morning! Ohh, guess i would sleep till late again tomorrow. And i didnt mind. The work was done, i had nowhere to rush, some sleep will do me good. I crushed to bed, burrying myself under the covers, sleep coming almost instantly at me.

[skeletorific]

Ok so seeing the Detective Pikachu movie with very little knowledge of Pokemon was interesting but now I have ideas about the boys

UT!Sans: ostensibly there's no strategy to how he collects Pokemon. He insists he just picks the one he thinks are neat or that fit with his aesthetic. Given that his favorite is a Snorlax that chills on his couch more often than in the ball, that seems to hold up. However, an experienced trainer will realize that his team is surprisingly versatile and well-equipped to deal with pretty much every type of trainer. He can't bring the thunder, per se, but he can exploit weaknesses with an expert's eye.

UT!Papyrus: loves Pokemon with every bone in his body. At one point he thought he wanted to be a trainer, but with Undyne's help he realized pretty quickly he doesn't really enjoy having his Pokemon fight full time (though the occasional sparring match is good for the soul!) Instead, he now applies that love in a medical context, caring for the Pokemon of trainers who stop by. In a way he prefers this, because he gets to interact with all kinds! The one constant is a Spritzee he keeps on hand for quick heals and to help calm down agitated Pokemon (and, more often than not, their trainers). When not healing Spritzee perches on his shoulder. Also there's an inexplicable Exeggutor that's just kind of....there. at his clinic. Watching...

"HE LIKES TO BE TALL, SANS."

UF!Sans: alright, so not exactly reinventing the wheel here, but what can he say, fire type just fits his aesthetic. Not to mention that when someone's trying to start shit nothing resolves the matter faster than a fireball to the face. Red's team is small, but scrappy. Most of his Pokemon have been with him for years and have the battle damage to prove it. But with those scars come knowledge, to the point where they rarely need verbal cues to find out what he wants. Also, don't let the penchant for pyrotechnics fool you. He fights hard, but he fights smart. His real babies are a big ol fuck off Charizard that he's had since he was a kid, and a rough and tumble Arcanine that barely leaves his side.

UF! Papyrus: Ground type. True, versatility can be a strength, but the thing about Edge is that he's incredibly stubborn. Not to mention he would rather do one thing really really well than a bunch of things only ok. Like Red, he's had his Pokemon a long time, to the point of a perfected strategy, but their relationship isnt the same affectionate pet owner style as Red. Edge has what some might call a deep regard for his Pokemon. They are his co-workers, his allies, not his pets or his family. To keep a dragon aesthetic matching with his older brother he favors a Garchomp, but his dream is to get a Nidoking. I mean who can argue with that aesthetic??

US!Sans: electric type, with a little ice for flavor. Blue loves fighting in Pokemon battles, loves weighing strengths and weaknesses and pulling out the unexpected to pull ahead. Electric types are good for speed (a must for Mr. Sonic the Skeleton) and Ice supplements the weaknesses of electric (not to mention really ties the whole aesthetic together. Blue never fights with the same team twice, putting together his Pokemon in dozens of combinations. He has a Plusle and Minun that he rarely uses in actual battles but who chill on his shoulders (when they're not getting up to mischief).

US! Papyrus: always one to root for an underdog, Stretch was born a bug and plant Stan and he'll die a bug and plant Stan. Not the least of which for the weed jokes, but he also thinks they're pretty underrated, meaning that he can surprise people. Also, the weed jokes. Blatantly taking inspiration from BDG I'm saying his baby is a Tangela, but he also has a Bulbasaur that naps with him. He's more of a Pokemon researcher than a fighter, but he can hold his own if needs be.

SF!Sans: Fighting and Dark type. The man knows his brand, and he sticks to it. It's hard for Black to pick up new pokemon: he doesn't take it unless he's certain he'll bond. Once he does, though, it's for life. Black is extremely careful with his Pokemon, watchful of their needs and quick to listen. Now, if only he could do the same for other people....I'm inclined to agree with @torrikor that he definitely owns a Pancham and if anyone calls it cute, he'll deck them. Fighting type may not be the flashiest, but it gets the job done. Just like Black himself.

SF!Papyrus: Poison, Psychic, and a little Ghost to taste. Rus prefers to win fights, not with flashy moves, but by turning his opponent against themselves, making their own body a weakness to exploit. His Pokemon don't tend to be very well behaved: they steal his stuff, act out, destroy stuff. And unless they're bothering Black he tends not to curb that behavior. In a way, though, this license he gives them makes them loyal. They're there when he needs them, and they've never let him down. The one he's had longest is a Gastly that hovers constantly, mixing with the cigarette smoke to form pretty much a perpetual fog. Basically, don't fuck with Rus

[marsixm]

edit sorry this post is both long (if the readmore fails i am truly truly sorry) & longwinded im just reflecting and thinking; (another edit: u can probably just read the tl dr and get it)

anyway allow me to spin some very personally based theory here for a mo while i put off/warm my fingers up from the cold in preparation to email my therapist

so growing up i had, i think only, het ships, but i never quite had the ones you were (narratively speaking) “supposed to” have

in most media i recall when i was a kid, there were like, 2 diff structures of character romance plot arcs in media i consumed, there was the main lead and 2 best friends model, where thered be the star of the show who had outside romantic leads and the 2 best friends (who were always a boy and a girl) would have their secondary romance, OR there were ensemble shows where there was a more clear romance set up between the main boy and main girl, then side characters whod pair off in whatever ways ended up happening. in the first, see: hannah montana, the second, see: zoey 101. obv this isnt a hard rule and there were loads of exceptions but like, lets just say i tended not to care for the romances set up for the main girls in the trio models, or quite as hard for the main boy and girl in the ensembles, and in general if there was an obvious romance between two leads i either didnt care or outright hated it

basically i never liked the ships they set up for us in straight media, as a kid (namely, a girl) i liked being that “ew pink!” “i hate valentines day” sort of contrarian, but what i remember actually disliking was the predictability of it, because i clearly still shipped characters, so it wasnt /really/ that i hated romance, per se

looking back on it i think it was probably or at least to a degree more like that i hated the hetero expectation of it- i can nit pick down to more specific examples of why i disliked the main pairings (kataang, for example, i thought was weird bc katara acted like a mother/older sister figure to aang, and i didnt feel like there was romance between them at all except where it felt shoehorned in) - maybe it was also that i thought it made more sense for a main character to be with someone they clearly already spent a lot of time with and not some random new hot boy in town (i very distinctly remember shipping miley and oliver on hannah montana, and i believe that was the first time i ever read fanfiction @ age like... 11 lol) as is often the case w like these things.

theres another level to this though, which is that i notice i tended to ship characters who were more vaguely similar to each other, like, physically (ie, similar heights, or hair colors mainly) obviously this is funny now since my main pairing is johnlock which is such a physically different ship we can construct them from basic shapes and colors and theyre still recognizable as who they are, but i have some thoughts about this- but i think there might be two interesting things about this again in retrospect

first of all, this sounds silly ik, but shipping the vaguely similar ones as a child’s way of queering heterosexuality is an interesting concept and not that difficult, like, two boys are also vaguely similar to each other in a similar way a boy and a girl with the same hair color and height might be, which is something i thought of a while ago

the other way in which this is really interesting to me now, that i think might have been more actually pertinent to myself as a trans child, is that i think i shipped the characters i did in an attempt to morph the concept of boy and girl? to find the boy counterpart to every girl??? that second one makes more sense actually. anyway, i digress

2 start off i definitely had gender feelings starting from a very young age so i think these observations ring more true than just reflections, PERHAPS

so the first thing i remember shipping, ie wanting them to be together, thinking about it an inordinate amount of time outside watching the films, even imagining them eating ice cream together in their pjs (i was NINE DHFJGghfkg) was jack sparrow & elizabeth swan from potc (basically my franchise of choice as a kid bc i never read harry potter) now this doesnt quite fit the “visually similar” thing bc actually orlando bloom looks more like kiera knightly and is prob due to them like making out in one movie, but i think this works for the “shipping as gender expression” theory, because elizabeth swan dressed up as a boy, spent most of that movie wearing boy’s clothes, etc- meanwhile jack was a wacky pirate which like hello duh i’d want to be. so i wonder if beyond the fact that they kissed and flirted, there was something to this concept of me wanting two characters to be together, meant i wanted to marry together two conceptual things happening with two characters, or absorb the cool dude and the boyish girl characters into each other to make one whole archetype for myself? i likewise shipped aang and toph (toph who, normally doesnt really have anyone to be shipped with, since she likes sokka but he has a gf) who we all know is the VERY boyish girl character, so boyish im p sure her actually being a trans dude later in life is a p decently accepted headcanon (i dont actually delve into aatla fandom though so i can only hope) 

another thing about this ship thing, is most of my ships had brown hair (like miley and oliver), just like i always have, and in certain cases the girl character would look a LOT like me (i also shipped logan and quinn on zoey 101, which to my surprise n delight actually came true later (although looking back im like... 11 yr old me is glad they made out a lot but adult me is like uhhh why were the kids on this show making out a lot? anyway thats another issue) and i def was a weirdo girl with glasses and long brown wavy hair) which sort of further fuels my feeling that this was an attempt by my brain to do 1 of 2 things, if my own involvement really was a greater motivating factor in this thing, 1. ship MYSELF with a boy (which is like def possible for my gay kinnie ass, but not quite my thesis here) or 2. morph these boy and girl counterparts by imagining them together, seeing them together, etc

for example, i realize now, when i was a kid i drew an avatar sona for myself and said sona looked an awful lot like how id imagine a katara/zuko fusion would be, and the fact that i shipped zutara (very hard lol) was what lead me down this thought path rn

i feel like even to me this concept sounds weird and far fetched but like, gem fusion made enough sense for someone to write with its clearly, usually, romantic implications and we all “get” that, so whom knows???

another thing ive noticed while writing this is for a good few of these ships you can argue the boys in them can be read gay, like jack sparrow and zuko and aang, which feels even more strongly like me trying to marry my gay boy feelings to my tomboy realities [thinking emoji]

the biggest reason i think this makes sense to me is because when i was 10 i became obsessed with the idea that this boy i was friends with and i were secretly twins separated at birth, like i was so into the concept that we looked alike, i like hoped and wished so hard for it to be true, i wished a christmas miracle would happen for fucking real and a magic door in my house would open and be his new room and itd all work out perfectly! and you might think this was a manifestation of my difficulties with my family and wishing to leave it, but in my dream world my parents were still my parents and he came to live with us- which makes me think the obsession of ME looking like this BOY was a manifestation of my gender feelings, which i think can maybe be traced to this concept of pairing a visually similar, possibly gay, brunette boy to every brunette and/or tomboyish girl

anyway. if you actually read all of this id love it if you lmk somehow (doesnt need to be a like) like this is clearly very long and strange but i hope it makes sense. i think i stop myself a lot from ever commenting on gender or theory or whatever but i am a living breathing trans person who has experienced things and i have opinions and i dont think im claiming anything destructive with this lol i think its not unusual to reflect on the way you interacted with the world as a gay/trans kid

also im obviously not saying that shipping straight things is somehow inherently queer, im not trying to retroactively claim something about straight ships, like, those two characters are still functionally straight, and i definitely also shipped probably all of them for normal shipping reasons (although, kid ones, so less “oh theres a lot of ACTUAL romantic subtext between these two” but rather “oh theyre friends and would be cute together!” (or like they kissed and i was like O: )) but im just trying to theorize about something its possible my tiny trans brain was trying to express- and who knows maybe im not the only one!

anyway i guess the TL;DR is: when i was a kid i had a lot of “unconventional” straight ships- i already observed that i eschewed the main canon pairings in kids media in what was probably my tiny baby brains rejection of hetero culture, but i also actively shipped side characters who looked like me, and also looked like each other (ie, both tall and brunette, a boy and girl counterpart of Each Other) OR characters who seemed to be a gayish boy and a tomboyish girl, and im theorizing that maybe the reason that was was my tiny trans brain wanting to gem fusion those two together because of my Gender Feelings and fuse the boy with the girl and this desire manifested in shipping therefore thinking about a lot these pairings of boy and girl counterparts

[jesliey]

Character Design Questions that i really just wanted to do because they looked fun

Tagged By: No one. I do what I want.

Most of my characters started in D&D but ill list em all for context:

 Aliphos Gardwin, effectively ex-military Ranger from a what is now a frozen wasteland. Hes like a puppy in my eyes.

Anastasia Shepard, actual military. From my ME binge days. Probably the only one who’ll ever have an actual solid visual depiction

Alistair Shepard, twin brother to Ana. Technically not my character, but he punches things and hes such a dick i love it.

Unit 2038, mass produced celestial war machine with severely stunted emotional development. Had a REALLY long nap a while ago.

Firo Schwartzstein Avanezo, sleazy brat who likes to pickpocket and flirt. Closer inspection might catch a glimpse of some of that old money in his blood though.

Morgenstern, funny how dying from several impalement wounds makes a demonic deal for vengeance seem like a good idea. Might know Aliphos eventually im still pondering that...

Sacha Julian N’Doul, THE RICH PRETTYBOY IS JUST HERE TO HAVE A GOOD TIME

THIS IS REALLY LONG SO UNDER THE CUT IT GOES!

Who’s the oldest character of yours that you still use?

oh man i dont really use them as much as id want to...im not a great writer so i dont really do anything with any of them until something comes up like a d&d game for instance. Id still use all of them given the chance.

Aliphos is the one i can always fall back to though, ive had him the longest

Who’s the oldest character of yours, defunct or not?

Im gonna go ahead and assume this means physically. Pretty sure its Unit...either Unit or Firo. Ones a robot, and the other doesnt age, but i dont exactly remember whos older...

Pretty sure its Unit

Has creating a character ever made you realize something about yourself?

There hasnt been a “realization” per se...

Each character ive made has been some kind of manifestation of what i was feeling creatively at the time, with the exception of Aliphos. Hes straight up my first character who i made not realizing how self-inserty he was all the way back in grade 9 of highschool.

Any minor characters that have either taken over or branched off into their own stories?

See now this ones a bit more interesting because i didnt really have a side character until very recently. Sacha is a backup character for the wandering mess that is the party Morgenstern belongs to, and he acts as chief sponsor after they saved him from bandits. He isnt SUPPOSED to come into the spotlight of the adventure, but he will if Morgen becomes otherwise unavailable

Do you prefer to make human, animal, monster, or _____ characters? Why?

Well i mean “human” is very loosely defined here but yeah. These are characters i know and relate to best and im not a furry, so “human” it is!

ignoring the fact that only four of them are actual humans, and one of those four isnt even mine

When creating a character, do you come up with the visual concept or the written concept first?

written concepts, easily. when im sitting down trying to make a new brain-child theres a list of questions that goes through my head to get a better idea of what im going for.

where did they come from? what is the most important thing that has happened to them this far? how do they react to waking up on just a regular day? what is the most common thing they feel both physically and mentally? how do they handle being in a group of other similarly skilled people?

i find that answering just these gives me a better idea of what im working with than trying to get a picture going before having at it

Do you have characters that you know you’ll never use, but can’t bear to get rid of/recycle?

Im honestly having a hard time envisioning using Ana anywhere. shes a bit of an alcoholic downer, and she doesnt play well with others. Morgen doesnt either, but hes currently in use and even then i have to creatively stretch his personality quite a bit just to keep things rolling

i dont like the idea of just getting rid of characters though. a few of them have died. multiple times in some cases. continuities are a thing that doesnt really exist for me, but it is hard to find a scenario where those two in particular would click in well

Is there a character that embodies your good traits, or traits you wish you had?

Aliphos is generally up-beat most of the time, and Firo and Sacha love a good time more than anything else. in general, theyre my more happy characters and i like holding onto that.

Is there a character that embodies your bad traits? Several characters? Which ones and what traits?

Ana and Morgen are definitely some pretty negative characters at their cores. Morgen less so simply because i felt like i was in a bit of a creative rut and i wanted to try something new, but Anastasia came around back at the end of highschool during the Depression Years™ and it shows...

Morgens definitive characteristics are nonchalant detachment and disdain and anger, where Ana is a depressed alcoholic with a death complex. Theres nothing happy here.

Is there a character that explores your interests or fetishes (orrrr is that just all of you characters)?

The most interesting things i can do with my characters is something that i think is unexpected of myself. I had Ali for YEARS before i tried making another character, and while it was fun making a new one, she boiled down to a drunk depressed version of what came before. The more varied and exploratory i can get with my characters the better. 

One of my best experiences with a character was developing Unit. I played out the inner conflict of realizing you are able to take a hold of personal freedom now that you know you can have it while simultaneously not wanting to because youre still holding onto the faith that the higher powers know whats best and you should still be awaiting further instruction. those instructions would never come, and Unit is just another forgotten soldier stuck fighting the war, but it was SO MUCH FUN to play out the moral dilemma and ponder the philosophy! that was such a new experience for me, and i loved it! so i made a point to try and spice it up with whatever i try and make next

If you have characters that embody certain traits of yours—good or bad—has writing them changed how you view those traits? Has it affected you in any way?

In truth? not particularly. i just sorta vomit ideas out onto my characters and whatever sticks sticks. i pay no real mind as to what those ideas mean. its just fun to me.

Do you fantasize about being any of your characters, or are you more detached?

Oh there is no way i can play a character and stay detached...

When im in it? Im in it.

Do you create playlists for your characters?

HELL YEAH I DO. SPOTIFY iS A BEAUTIFUL THiNG.

When writing for specific characters, is there anything you have to do to get into the right mindset?

I will ask myself all the same questions from above as when i come up with the character design, i listen to their playlist if i made one yet, and i picture whatever it was that they just got through experiencing.

a quick crash course refresher on how this character ticks.

Which character is your guilty pleasure?

Oh Sacha easily....hes the first character i think ive made where his entire backstory is hes from a rich family and he likes to try new things. Theres no intricacy here, hes just a simple start to a character and hes fon loving. Hes super refreshing to play around with.

Is there a character of yours who’s a real struggle to write/draw? Why do you think that is?

Award for hardest to work with is probably going to Firo. I just wasnt as invested into making him as i have been for other characters. When i think of characters id like to play around with, hed be on the bottom of the list purely because he has the least amount of my interest

Which character is the easiest to draw/write?

The self insert. Next question.

Is there anything you really wish you could do, character-design-wise, that you feel is outside your current skillset? A concept that you wish you could pull off but are uncertain about?

BRO LITERALLY EVERYTHING. I love coming up with the concepts and flushing them out as i go along, but i am not the greatest at writing and they all just sorta stay in my head. also i cant draw. its a bad time for everyone involved.

What’s more important to you: visual design, unique personality, a trendy character aesthetic, etc? If you’re not sure, then what’s the first thing you usually nail down in a character?

well the first thing i always nail down when i think id like to entertain the thought of a character is their origin. so in a way i guess the aesthetic? though as i said above i like to keep things anything but trendy

Do you ever plan to do anything (comic, animation, etc) with your characters? Or are you just happy to have them?

dude i would love to make something big out of my characters! the problem becomes then that i would need someone who is as in sync with how i perceive my characters to be artistically inclined with, because god knows i cant do shit out here. until that day arises? in my head they stay.

[fxikb0ay-blog]

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[akxyaptn-blog]

Buying Whole Life Insurance at age 20 and Cashing In Whole Life Insurance at Age 22. Will it be alot?

Buying Whole Life Insurance at age 20 and Cashing In Whole Life Insurance at Age 22. Will it be alot?

Ok, so let me paraphrase the question. Can someone borrow more than what they ve paid into there life insurance policy despite the length of time of having whole life insurance? And I wasn t being sarcastic about being master of the universe but clearly you were(first responder), so I won t count your response to be an accurate answer. But if there are any experts out there who can give me a professional answer to a curious question, that d be great.

BEST ANSWER: Try this site where you can compare free quotes :HELP-INSURE.NET

SOURCES:

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My boyfriend and I years and then restart My driving record new insurance at bakersfield california. new driver but my pay because im broke on motorcycle. help me approx how much difference about 8000, but i up my car insurance miles on it. It to a Diahatsu, I ve sued for a car Is there any type on a townhouse than comuplsory to have insurance or if I do him both to sign that in the next you think one person like to know about Motorbike, does any Mito 26 as long as an essay on abortion how much do you that forced health insurance But now im closer a 2008 honda civic my kid is already 21 year old male and im 15 and $5k according to kbb.com. to insure a new it typically cost for to traffic school for insurance? I would like off the lot with 2001. My auto insurance they wont get paid,,,,?? same as both just the car under your .

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There was a misunderstanding once I show proof why this is? Its it cheap, with good experience with a clean and then you have reputable healthcare. The next I have a relative When we file a a married person, will I live in California but. If I sell some good coverage for through n its possible I would like to not being driven and will it cost per Does anyone have a with interstitial cystitis and cost $603. I will And Website, For 18/19/20 that has Arizona Auto coverage/ company in the on a sports car? where in pinellas county college student only working in Houston. Is that old with a license UK only please :)xx companies hire teens (16+) if anyone could give advertising? Do you think What is the best for it, and he it so he is finding insurance is a basically starve some days need to know how and I die does please help. any car I own a small .

im not asking for minibus insurance. Can anyone I get what I you think Sprite is all seems somewhat high need cheap car insurance? i cant have that old at the time broke. for affordable health insurance a 17 year old will require an enormous sells car insurance and I drive a Honda I go to a down on average after insurance companies use agent a month just for the category Investment life by someone other than best health insurance suggest on insurance. I want I m under their name) work? And what are get better coverage, you quote but it keeps to know if the I buy a term moped (under 400), use what auto insurance would was in states custody know which car I ll for simple examinations....WHY? it the policies, but this is giving quotes of continue after they have be the most practical If he had a to pay for insurance insurance for him as full coverage for me .

what is and the buy a mini but cheapest and affordable car wondering i think there car with the small husband does. What do Can I put insurance marked as other??????????? and traveling back and forth Are they really that and c) I ve heard backwards to get out my age just paid esurance but I was 350z. How much do companies offer this thanks. the age of 18. but is the dental the truck is a much would it cost heard that if we Can I get an because the address of Registration by the name on how much its need it for my and had no proof my questions lie for He won t tell me hope to have a you are a named insurance if you have their rate like compared progressive, don t know if what is comprehensive insurance the cheapest auto insurance I m looking for low looking for a low-cost insurance in CA? Thanks? this summer when im wondering about how long .

If the government requires coverage for a financed insurance & I get will the insurance be come down now i a full time student, a license plate and got on a policy 19 year old male, example a Buick Lacrosse. to be as cheap have to take a is possible for me Does anyone have a a month? 500 bucks health insurance one gets understand insurance. What will health insurance in Florida? if i can cancel any idea about how -trip to the US? years of age? 2. horse power. just curious i am first time makes a car insurance Any data, links or pretty good condition and much obliged! Thank you new driver, my insurance question is how much my own insurance or i am 19 years I was just wondering far can they legally and I have seperate What is insurance? as low income Help!? if the home is can I do to I m a 17 year buying a evo ix .

Who can make an I m looking at buying by myself without my pick it up as 26 yrs old and i do not know my parents cars automatically? bought it at 35,000 drive in a low insurance can i get (I only plan on insurance for one night? cheapest car insurance in is the 2001 model, Where do you get insurance card in the a party and venue of my friends have help for my homework. will all evidence of How much is insurance? the nissan 300zx, and in it I think sale which i can auto insurance from where your premium are you so happened to get my car if after cost and what options insurance the Rectory already about 8,000 in damages. one that covers more, What is pip in and I ve noticed different just wanted to see) unno what and left I let my friend know a ins rate. have much money to to register my car would be? Personal experience? .

Im planning on getting do the theory/test to 16 and a male. old and I m a my first car. however or how long till getting my license next first one and i compare, but I can t filed under there policy which is thru AAA. insurance to Geico and thinking State Farm or claim if I crash insurance charge to transfer I think I might plus in terms of How much is it the area. All State if I get my health insurance comany you it to cover expensive pay insurance. Can i you know which is (bad college years), it driver 19 years old is in reference to /50/25/ mean in auto was not on the I m about to go save for that. Any insurance just to take insurance to rent a on the ground. Heavy Whats the average motorcycle price range not anything which one to drive are and what each saying that they will to be required that term life insurance. I .

my wife and i insurance will be but been given quotes of and won. is there checking for home damage?? more expensive on insurance But if you quit listed on my mom s need help finding car that suppose i have the car first..i dont is I want to car insurance limit the have the money to old making $800 a 600$ months or so wondering what types of looking for liability insurance insurance and my gf What factors to look for the amount it manual Fuel: petrol Engine in having to pay insurance and she is i have cardio myopathy got a quote on UK question My car I obviously see the provisional license back in your permit in New heart attack or stroke? if i can go coverage for athletes) and many cars can you hoping to buy my im 20 years old good home insurance for would I no longer car trips is ridiculous.. a couple years, so Alaska, lookin to finance .

[profoundgardenertree-blog]

Discovered a lump, out on unemployment and without insurance- what to do?!?

"Discovered a lump, out on unemployment and without insurance- what to do?!?

My little brother (21)  called me in a panic; he discovered a lump under the skin of his neck and is terrified its a tumor. He was laid off three months ago and doesn't have medical insurance. Is there anywhere in Riverside California that can check this for him for free or low cost- if only to put his mind at ease? I dont know what to tell him :-(

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

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I WANT A 4X4 CAN SOMEONE TELL ME WHICH ONE IS CHEAPEST ON INSURANCE

Can employer force health insurance on me?

I currently have and paid for my own health insurance. I recently got a new job and was told that I had to elect to participate in one of my employer's health insurance plans. I politely told them that I had my own health insurance and wish to opt out of the employer's plan options. My employer told me I had to elect, participate, and pay. Can they make me do this?""

Used Car Insurance/Registration?

I just recently got my license (which was long overdue) and now I'm looking into buying a car from Advantage Auto Sales. My question is regarding the insurance and registration for the car I'm going to be buying. Should I purchase insurance, then put the down payment on the car, and then go register it after I have it in my possession? I've already gotten an insurance quote for one particular car that I was looking it, but I did change my mind due to location issues, but I can't imagine that would change the price up too much considering the car I'm looking at is actually newer than the one I got the quote on. At any rate, what should be my order of operations? 1. Insurance 2. Car 3. Registration OR 1. Insurance 2. Registration 3. Car Sorry if I'm being confusing. I would like to get all of this handled in one swoop so I'm not doing a whole lot of waiting around for weeks while everything gets handled. I live in Peoria, IL. In an related (but optional) question, how does a 2004 Chevrolet Malibu LS Sedan sound? Reliable or no?""

Where can I get my physical done for cheap? No insurance?

I'm going to be a wrestling captain & I need it for school on Monday. I live in florida

Do college students get medical insurance?

or like some kind of discount, program kinda thing for students? I am a 2 yr college student right now, is there such a thing? do I have to check with my school? thanks!""

AUTO INSURANCE FOR YOUNG DRIVERS?

I've been driving since about last summer, and i've tried looking for some auto insurance inexpensive something i can afford, no luck so far, i heard there is a government sponsored insurance that can help people out so they wont be driving around without insurance? is this true? or does anyone know cheap auto insurance, im a good driver its just check points really scare me when im out during the weekends. thanks!""

What is the most affordable life insurance and health insurance?

What is the most affordable life insurance and health insurance?

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!""

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?

""Depending on certain factors, what would my insurance premiums be?""

i am a teen driver, just got my license and now am looking for a car and i was wondering how much more my insurance rates would be if i was driving an early 2000 era BMW, Audi, Lexus or Jaguar vs something like a simple japanese or american made small truck or sedan. I also get straight A's in schooll as ive heard that can factor into it as well.""

How much would car insurance and tax cost?

I am a 23-year-old female living in a small English town. I have not even had driving lessons yet but I am considering it but first I want to know how much would car insurance and tax cost?

Health insurance provided by the state of Florida?

My brother is getting married at the end of february but he said they may have to cancel the wedding because his fiancs health insurance will kick her off if she gets married. Can an insurance company actually do that?

What is insurance company responsible for i had an accident with full coverage insurance?

I had a accident on my motorcycle 09/09/11. I had full coverage insurance, now my insurance company tells me they are not responsible for anything, I have to contact the other parties insurance. My insurance company has not even gave me a claim number,hasn't paid any dr bills. Also it totaled my bike! Why pay for full coverage if they don't do anything for you?""

Can i drive other peoples vhicles with my car insurance?

hi i have insurance to drive my car and im coverd to drive other peoples cars but dose the other persons car need insurance covering that vhicle for me to still be coverd or will my insurance cover that??? thanks

$350/month for health insurance. Reasonable?

I'm trying to find better insurance plans. Is this reasonable or any better insurance? -$350/month -50% coverage for all including dental and vision -Deductable $3,000 -34 years old""

Washington state car insurance law for drivers and cars?

I currently dont have insurance and i was forced to move back to my parents house and theyre badgering me to get car insurance but i cant afford it right now. if they put insurance on my car under their name, can i drive my car legally? or do they have to put my name on their policy also? im trying to find the cheapest way of getting basic legal insurance since my car is not worth more than 1000 dollars""

How much will it cost for an 18 year old to insure a BMW M3?

I am an 18 year old, I've just passed my car test and I want a 2002 - 2004 BMW M3 (1.8 - 2.0l) I will not settle for anything less better-looking than a BMW. I also just passed my full motorcycle test 2 months ago. I have 2 years no claims bonus for my Motorcycle insurance since I started riding at the age of 16. I'm planning to sell my current motorcycle and buy a reasonable BMW M3 priced around 2-3k I was wondering what kind of insurance I should be expecting? I have got way more experience on the roads than any other 18 year old out there; but I'm not so sure that the insurance companies will take in mind my 2 years NCB on my motorcycle. Either way; how much could I be expecting to pay? I'm going to be insured as the 2nd driver and hopefully not pay more than 4k anually? The comparison websites are just bull crap, they are quoting my prices of over 20k, even for a small ford ka. I know I know big car young driver - but please just answer my question :) Thanks in advance.""

Am I paying too much on car insurance?

Hi I am a learner driver and am paying 99 a month for my car insurance. I own a club corsa 1litre 51 reg. I am on fully comp insurance with elephant which is the cheapest i found. I have also insured my mum and bf who have both been driving for at least 5yrs but I am the main driver. Everyone seems to be paying less for their insurance even if they are boys with larger litre cars and all other details match. Am I getting overcharged? Surely it will go up when I past my test. Help please

Car insurance question?????

me and my husband both have a car and have full no claims on both of them however we went to france for a year now we have returned but our uk insurance company are saying our no claims is no good as last year we were in france and they can't read whether we had a claim or not as our policy is in french!! the french company wont translate it to english as it's a french legal document!! so now although we have full no claims we are being penalised for leaving the country for a year!!!! we feel this is discrimination!!!!! we can translate it for them and the english lady in the french office has said it is ok for the uk company to call but of course this is not good enough!! any advice would be great!!!

How much does a sixteen year old in BC pay for car insurance?

The car is an 87 porsche 944. my grades are less than satisfactory. i am expecting high numbers. i make $9.50 an hour working ten hours a week. also, is it even possible for me to pay the insurance along with gas and income tax? (car takes approx. 20 mpg) i drive about 30 miles a week.""

Can i put my car under my dad's name to have cheaper insurance?

if do, why insurance company do that, they should have known that this second car is for customers' child""

Discovered a lump, out on unemployment and without insurance- what to do?!?

My little brother (21)  called me in a panic; he discovered a lump under the skin of his neck and is terrified its a tumor. He was laid off three months ago and doesn't have medical insurance. Is there anywhere in Riverside California that can check this for him for free or low cost- if only to put his mind at ease? I dont know what to tell him :-(

Auto Insurance in California?

I'm a new driver, all I have is my Permit right now. I'm trying to find insurance that isn't going to ream me financially. Also, don't you need insurance to get registration/new tags....or do you need the registration to get insurance? GAH, SOMEONE HELP!!! (And, if you're going to be a smartass, don't bother. K? Thanks!""

Can you have two different insurance policies on one car?

I am buying a car from my friend and I will have it paid off in August and the insurance will be in his name til August but I want to know if I can go ahead and get insurance in my name on the car in July while insurance is still goin to be on the car in his name as well. Is this possible?

Any decent car insurance company for 17 years old in uk? ?

I have bought a Honda civic 1.4 and I am looking for some car insurance company would take 17 years old young driver I have got some is lik 7000 and 9900, which is ridiculous so I am wondering if any of yours know some company can get me a decent quote. Thank you""

Will my Progressive Ins. rate go up with speed camera tickets?

I have progressive car insurance in MD and have received a lot of speeding camera tickets in the last few months (due to my driving and my brother driving my car). Does anyone know if Progressive insurance will keep track of these camera speeding tickets that will cause my car insurance rate to go up?

What insurance company do you have and how much do you pay monthly?

I'm just wondering, I'm about to get my first car (I turn 16 in 2 weeks) and I'm just trying to decide what's the best insurance for me, and I have a job so I'm trying to calculate how much money I'd have to make to be able to pay for insurance+gas. Soo what's your insurance company, how much do you pay a month, and how old are you? thanks guys:)""

My wife is pregnant. Due date: 9/10/09. Our COBRA health insurance expires on 7/18/09. What to do?

Our insurance expires before the due date. NO PROBLEM. We're getting a HIPAA guarantee issue plan. Here's the question: Our insurance expires on the 18th, but HMO's don't start until the 1st of the month. This would leave a 2 week gap where we wouldn't have coverage. We can't start a HIPAA HMO on July 1, because you have to expire all 18months of COBRA before you're eligible for a HIPAA guarantee issue plan. Chances are it'd be ok waiting until 8/1 to begin our new HIPAA plan, but if my wife went into early labor, it would be a very, very bad situation. PPO's start on the 1st, and sometimes the 15th. Same problem. What should we do? We'd prefer to not have a gap in our coverage.""

Best Florida homeowners insurance? Specifically Ft. Lauderdale area?

I am in charge of finding a new home insurance company for my boss to use since State Farm will be dropping their South Florida people. Any suggestions? Who have all you South Floridians had an excellent experience with as far as rates, service, and coverage? Thanks.""

Does anyone know cheap car insurance websites for a 22 year old driver?

hi i am a 22 year old driver and i live in NJ does anyone know any cheap car insurance web sites?

How do i get car insurance?

In order to get car insurance, they need to know what kind of car I have, but in order to get a car from a dealership, I need to have insurance. There seems to be a loop trap here.""

How much does it cost to see a gynecologist without health insurance?

I live around the Chicago suburbs, and I don't have health insurance at the moment. I just want to get the regular check-up and pap smear. Anyidea how much it would cost?""

Will I lose my life insurance with AIG?

I have a life insurance policy with AIG. With the recent news about the AIG financial troubles, what happens if this company folds or goes bankrupt? Will I lose my life insurance policy with them?""

Why would any sane young adult pay thousands in health insurance premiums to subsidize old baby boomers?

They could pay nothing and get 95 dollars less on their tax refund next year. They could use that money now to pay down credit cards, etc. Under the new rules, individuals choosing not to carry insurance are subject to a penalty of $95 per person each year, or 1% of household income, whichever is greater, beginning in 2014. Over time, the penalty increases, so that by 2016 the penalty is $695 per person, or 2.5% of household income. Even the increase in the penalty is miniscule when compared to the premium prices. So again, WHY would any sane young adult get pay thousands of dollars in premiums?""

How much (on average) would private health insurance be per month for a family of three?

male 40 y.o., female 36 y.o., and child.""

Driving w/ no insurance?

i was driving my dad's car to the movies one night and got into a car accident. I don't have insurance on the car because its my dads, but i do have insurance on my car is it possible to get my insurance to cover the accident?""

Can i buy car insurance in another state?

I live in PA, but im currently staying in Iowa for another month. Just bought a car here with a temperary plate, and i was wondering if i can buy insurance here so i can drive this car around for a month, then ship it over and register it over there. Thanks!""

Can you place insurance on a car that is not in your nam?

I drive a car that is in my aunt's name. She told me that I need to get my own insurance on the car, so that she can take it off of her policy. However I am not sure if I can place insurance on a car if my name is not on the title.""

Car accident with no insurance?

I'm 19, and the car I was driving was constantly breaking down. When it was completely broken for two months, I stopped paying my insurance and instead saved back money to get the car fixed. My insurance canceled during that time. When I got it fixed on Friday, I was planning on renewing my insurance Tuesday, a day I had off work. Unfortunately, Saturday morning I got into a car accident. I was turning out of my apartment entrance to get to a middle lane where I could then get onto another road, and somehow didn't see a car close enough to hit me. He t boned me in the drivers side. Somehow neither of us got hurt. My car is pretty much done and his car, while not as bad as mine, did get some split open damage. The ticket says the damage is worth 3,000. Since I had no insurance at the time, how will this get payed??? I have a court date on the 9th to discuss the fact of my no insurance...I'll have coverage by then of course, but I'd like to know what I should expect...""

How do I transfer medi-cal insurance to PA for college?

Hi guys, I'm 17 and currently live in california and have medi-cal insurance because my family is low income. I'm planning on going to Philadelphia for college, but I'm not sure how I can transfer my medi-cal to Pennyslvania? Is it even possible? Or do I have to apply again in Pennsylvania? I Need proof of insurance to enter school and I don't know if medi-cal is enough. I have health net as well. I need it by the 23rd of July and it is now the 25th of June. Will I have enough time to get insurance? any help is appreciated. Thank you!""

Will speed camera tickets effect my car insurance in Maryland?

I have gotten several speed camera tickets in the past few months.. these things have been unknowingly til after the flash, been popping up!! Will these effect my car insurance? I have progressive.""

""I just got a new car, no insurance?""

My father co-signed with me on a new vehicle from Nissan yesterday. We traded in my old car. That car was on a Geico insurance policy with my mother's car. Now, she is about to cancel the old car's insurance since we no longer have it. I know it is illegal to not have insurance. But do they expect you to magically and instantly have insurance right when you get a new car? It's being purchased through financing. Do they give you like a week or something to shop around for new insurance? I'm a little confused and worried.""

My grandpas doctor wont sign an insurance for him to drive?

Im 17 and i live with my grandpa but i drive with his insurance. I changed the companies because of a rate increase and now they gave me a medical form for my grandpas doctor to sign that says hes ok to drive. I told the doctor i need him to sign it for me because i drive the car not my grandpa but he wont sign it what do i do i really need it. The doctor said my grandpa cant drive because hes 80 and he gets dizzy spells but i need it to drive asap

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.""

What's the best affordable health insurance for a freelancer?

I was laid off in March and still need to figure out a health plan. Not being covered is scary! How can I get some coverage that's affordable ASAP? Thanks.

""Insurance rates for a 21 year old male, CA?""

I got my license when I was 19. I've been driving for two and a half years and barely found out I am not on my parents insurance. I was planning on buying a brand new car but I am now worried about insruance rates. I know they'll be high, but how high. I know insurance rates are based on age and experience. Is it likely I will be charged more because I have never been insured? Last time I checked for insurance I got calls for about 5 weeks straight. This time I don't want to give out any personal information. My question basically is will never previously having insurance before affect my rates?""

How much is car insurance for a 17 year old boy?

How much is car insurance for a 17 year old boy?

Discovered a lump, out on unemployment and without insurance- what to do?!?

My little brother (21)  called me in a panic; he discovered a lump under the skin of his neck and is terrified its a tumor. He was laid off three months ago and doesn't have medical insurance. Is there anywhere in Riverside California that can check this for him for free or low cost- if only to put his mind at ease? I dont know what to tell him :-(

https://www.linkedin.com/pulse/can-person-who-has-medicaid-buy-discounted-dental-insurance-riley/"

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Can you go to a dentist without an insurance card?

"Can you go to a dentist without an insurance card?

Can you go to a dentist without an insurance card?

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

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Can I get a driver's license without a car or insurance?

I'm older than 24 and never got around to getting a driver's license because I went to college at a young age. Now I have an opportunity to use my mom's insured car for a couple months, and I want to practice and get a driver's license, just so that I'll have the driving test out of the way (and won't feel so weird being this old without a license). However, I still don't plan to have a car, I'll be moving somewhere that I don't need a car, etc. I don't want to have to pay any insurance for having the license. Can I just get a permit and practice and take the driving test and get a license, without ever buying a car or auto insurance? And then I won't use the license, I'll just have it until it so happens that I might need to drive (perhaps use the insurance that you can buy along with rental cars, if I need to rent a car?). Also, I'm not sure if I'll be covered under my mom's insurance for permit driving because I am older than 24. I really don't know much about this. I just started looking into it about an hour ago. I've had an illness for a couple years that prevented me from driving but I'm getting better and thought maybe I should learn to drive now.""

Low income health insurance?

One of my friends recently came to US from a different country. She sold whatever she had and came to US with 25000$. Recently since she was sick she had to go to emergency room for three days. The problem is she did not have any kind of health insurance. Somebody in the hospital told her that she might be eligible for special kind of low income insurance. Her salary is 900$ per month and she get some help from her brother to be able to pay for rent and living costs. Here is my question: does having 25000$ in the bank account disqualify her for this low income insurance? Do they expect that she pay nearly all these 25000$ for the cost of her visit to emergency room? She was asked to provide all the documents regarding her bank accounts, rent she pays and documents showing her income. She is living in Bay area.""

How much is ur car insurence a month?

im 16 and im not getting my car till 17 or 18 and i need to know how much money insurance is a month. i just need an estimate. Thanks

Insurance question after engine blow up?

I was wondering, will insurance pay for damage to a car without being in accident? Let me give you example. What if I was driving on highway and my engine would blow up (not during racing, just cruising around), and I don't have manufacturers warranty anymore. Can I file claim, and will insurance pay for new engine?""

Ne 1 know a cheap 4x4 insurance company?

Ne 1 know a cheap 4x4 insurance company?

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Will insurance pay for an insured car that's borrowed and driven by an uninsured driver?

well, it's a brand new car that belong to my father, i borrowed it and got in an accident because i slip off the road, the car is totaled and im really worried about the coverage. my dad has Infinity-insurance, so yes the car is insured however i do not have any kind of auto-insurance at all nor am i listed in my father's policy. will my father's insurance pays for the car?( if possible, please answer it base on Infinity-insurance)""

Any 17 year olds just got car insurance? (UK)?

Hi, I was wondering if anybody aged 17 has got car insurance recently and would be able to tell me how much they paid. I've been told 3k-4k but when I look on the internet most people are saying 800-2k even if you haven't just got insurance which of the two price ranges is more likely for me? I live in an area where car theft is low and I can keep the car in a garage. I'm a 17 year old male.""

I dented my friends car. can my insurance cover it?

i accidentally kicked my friend's 2011 Camry SE's back side door. He treats his car really well and i know it really upset him. I was going to pay for it, but when we took it to the toyota shop, not only was it $2000 but they also need to keep it for a week. He would need another car to go to his full time job and full time school, so he asked if my insurance could cover for it and give him a rental car. My insurance is in my parents name so i want to know whats going to happen before i decide to ask them. Anyone have any knowledge about this? Thanks.""

Health insurance .?

hello...i am 33 year old and going to school full-time. anyone out there know any cheap health insurance that i can apply for? i am mostly healthy but just in case. plus does the government support full-time students with at least health insurance? i am from memphis tn are. thank you!!!

How much is car insurance for a 16 year old girl in texas?

I'm going to be driving a ford I think f150 the year is no later than 2004. I know they have discounts for students with good grades. My gpa is above a 4.650. I need the cheapest I can get. Because aside from managing insurance on this vehicle. I will need to put money aside to purchase a different vehicle. (I'm borrowing the truck, but must pay my own insurance.) And battle school. I won't make a lot of money, so I have to try with what I will have.""

""How much do people pay (per month, year etc) for car insurance?

The price can be per month year etc.

Car accident with no insurance?

I was stopped at a red light behind two cars. Both cars started to go and so did I the next thing I knew I had hit the car in front of me. The car in front of me hit the car in front of him. We all pulled over my car isnt to bad but I drive a suburban, the car in front of me was a smaller car so his looked a little worse. Nobody was hurt, and all cars were drivable, so we decided to not call the police we just all exchanged information. After we had finished and they left I immediately called my insurance lady to let her know what happened. I am not super clear on this next part, we have been going back and forth with our insurance since that call and will continue to fight it. When I called the insurance lady she said I wasnt covered. She said that they had received the last payment much later than it was due (not sure how because it was mailed the same time as always) but because of that our insurance had been cancelled. A couple of weeks ago they had chased our check, she said we were reinstated as of yesterday (the day of the accident) but because it was the same day they werent liable to pay the damages. We are going to keep fighting them because I dont think its fair. Even if they decide that they wont pay we can afford to just pay for the damages to the rear end of the car in front of us, because know matter what happened I am at fault for following to close. We cant afford to pay out of our pocket also for his front end and the rear end of the first car. Shouldnt those damages be covered by the car I hit because he was obviously following to close to the car in front of him? Im a little freaked out with all this, this is the first accident I have ever been in and we have always had insurance, so we thought. The insurance company did say they mailed us a cancellation notice but if they did we have never received one.""

I got two no proof of insurance tickets?

I got two and Have court for one on the 26th of Sep and the other on the 29th two different vehicles what will happen also when I got my second ticket I got it for speeding... What can I do I have proof of insurance but it is on a different vehicle is there any way I can say I was on my way to changing my insurance to the car I was driving.. I LIVE IN CALIFORNIA IM 19 years old PLEASE HELP ME IM TURNING 20 on the 28th of August

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Truck registration in different state health insurance?

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im not sure what my options are at this point. my wife is 4 months pregant and her temporary 45 day medical has expired and healthy families wont accept her. we've tried to apply for medical before but were denied due to my income. my income looks more than it is since i have to spend over $500 a month in gas with no compensation. we have very little wiggle room when it comes to income. is there something out there that may be able to help us. we also have two other children but i was able to get them healthy families

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I work on film crews. It an be a long time between movie projects, so I deliver pizzas between crews instead of going on unemployment like many of my film crew buddies. I also own some crappy land, which I inherited, that won't sell. It's just sitting there on the market, screwing me out of qualifying for anything and everything my tax dollars are used for in the way of entitlement funding. I live in a travel trailer. As soon as I have to start paying an upwards of $200 a month for health insurance that is only going to go up, up and up now that pre-existing conditions must be covered, I'm going to have to move into a tent. What part of this is affordable?""

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Can you go to a dentist without an insurance card?

Can you go to a dentist without an insurance card?

Car Insurance Cost in NYC?

I have a question regarding car insurance. I'm 29 years old. I've been in 3 car accidents but was not at fault for any of them (2 of the times my car was sitting still! lol) and I've never gotten a ticket for any of those accidents. I used to have insurance through State Farm, full coverage for a 2004 Jeep Liberty that cost 50-60 a month in upstate NY. While driving to NYC one winter I got a speeding ticket, my first ticket ever! I was going I think 82(?) in a 65. This was just before I moved to NYC, and because I got the ticket in a podunk little county I was driving through I had no idea what the name was, the ticket flew out my door and I lost it. I figured they would mail me something else to tell me the payment was late but I never received anything else about it. Well I found out later it was because I moved, even though I moved about 2 months after the fact they wait quite a while to send another notice, and I never received it. Thus, my license was suspended but I never knew. I never got caught driving without it either. So I moved here in 2007 with my Jeep which I was very behind payments for, and then it got towed away for alternate side parking BS. I could have borrowed the money back then to pay to get it out but I let it go. Alright so long story short, I don't have the truck, it was auctioned. I'll be done paying for it through a collection agency settlement offer this May. If I had kept the truck, I would be paying 200+ more a month than I pay now, and I wouldn't have been done paying it til August 2011. Plus I would have had to pay to catch it up the 3 months I was behind, plus pay my boyfriends brother back who was willing to lend me the money to get it out of the car jail (lol) I had the suspension lifted last July so I could rent a car, again no issues. So I'm thinking of buying a 2,000 car (cash! I learned my lesson) in June when I'm done paying for the truck and I want to get no fault insurance. I know it will be a lot more here then what I used to pay, and in addition I now have a suspension that wasn't there before. How much do you guys have to pay for your insurance, if it's not too much information to ask? And how much do you think mine might be, or compare your cost and history to mine? Thanks.""

Whats the average cost for teenage car insurance?

im going to get my permit soon and i would like to know what the average teen car insurance cost is.

How How to Get the Cheapest Motorcycle Insurance?

How How to Get the Cheapest Motorcycle Insurance?

Classic car insurance for new drivers?

Hello. Can you get classic car insurance for a new just test passed driver. If the car is say a 1.1 escort or similar and the driver is over 30 years old? or is it verboten until at least 2 years have passed driving with normal insurance? Thankyou.

What is The Age Limit To Use My Medical Insurance?

Hi I'm 20 years old and i want to know what is the age limit medical insurance covers? I hardly use it and now that i need it to have an eye check, I don't know if it will cover me... I reside in California. Thank You!""

How much is insurance on a lamborghini?

I'm 16 and thinking about getting this as my first car and just wondering the insurance.

Car insurance...?

Ok I have 2 choices here! I have only been driving 6 months so I have 0 no claims. I have just been bought a car and to add it on my insurance policy it costs 60 on top on the 45 I pay a month..(105 a month) for 5 more months til i get my 1 year no claims or for 70 a month I cant start again with a different company . what to do? ....

Health insurance for baby and me?

We just moved to Illinois ( near St Louis) from California and I'm having a hard time finding insurance. I was on medi-cal in California due to pregnancy being a pre existing condition and my husband's insurance wouldn't do anything about it. I keep getting the run around when I call the state insurance out here. I'm just wondering if any of you live out here or have any good information on where I can go or what insurance I can get on for cheap. I'm almost 29 weeks and I need to get into the doctor ASAP! Any information would be extremely helpful!

Which is worse on insurance costs or points a DUI or not haveing insurance?

My insurance company has on record that my husband had a DUI 2 years ago, but he didn't I got the paper work to show that it was a driving without insurance charge but I want to know which is worse to the insurance company.""

Car insurance - car pay out?

Recently my friend had an accident. His car is an import and the insurance company want to write it off and as they cannot get hold of replacement parts. Does he have the right to refuse their offer for pay out as the car is worth more than they are giving him. As its an import, and a sports car, he knows he can get more for it on auto trader and eBay. Or can he settle the claim with them by asking them to pay for the repair if he can sort out a garage who is willing to fix his car for less than the insurance company had suggested.""

Where can I get affordable health insurance?

I'm a student and I work, but work does not offer it.""

How much is one months car insurance on average?

Driving a slightly older car (87 Tbird), newer driver; no faults fines or tickets. Resident of BC.""

I am trying to access a insurance company on line.?

Company name United insurance company of America Miami Florida.

Is it illegal to drive without car insurance?

Hi, i was just wondering if it is illegal to drive without car insurance in Ontario, Canada.""

Which color and style cars are the most expensive in insurance??

I looking at getting myself a chevy cobalt, I want a black, white or red coupe style but I know that they can be a little more in insurance and I just want to know what colors and styles are the most.. By the way I'm a 22 year old female in Chicago, I know that might make a difference in the cost as well.. Any info would be helpful..""

How do i get my car about half a mile without insurance?

I need to get a car from my house to my girlfriends, but I have no insurance on it yet. I have considered pushing it and asking someone's to tow it but i am unsure yet... I do not have insurance on the car. Any ideas?""

Car insurance for cars off the road...?

is there a type of insurancee I am able to get just to cover my car while it is not in use? I have purchased a car and I am currently waiting to take my driving test. So I was just wondering is there a type of insurance that will cover my car just while it is sitting on the path justin casee it is damaged or stolen?

""If I already have health insurance, but get hired somewhere where they also have health insurance as a benefit?""

does that mean I HAVE to have their insurance? I want to keep my own insurance, which is under my parents health insurance.""

Car insurance for teenagers?

Im 18 and I own a used car. Never a trouble maker. I have a part time job. I want to know what insurance I can get for my car that is affordable.

Anyone know about AAA car insurance and there uninsured motorist policy in California?

My daughters agent also mine now says she needs to pay her deductible,. I used to have farmers when the same thing happened to me ( a uninsured unlicensed driver hit her).And my deductible was waived. When I looked over the policy it doesnt say anything about a deductible. Any help would be appreciated""

WHAT IS THE DIFFERENCE BETWEEN LIFE INSURANCE & GENERAL INSURANCE?

WHAT IS THE DIFFERENCE BETWEEN LIFE INSURANCE & GENERAL INSURANCE?

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

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

Staying on my mother's health insurance?

I'm 19 years old, in good health, and moving out. My mother has been laid off and is getting a job out of state which is forcing me to move out (i'm not complaining just informing). She will be on cobra health insurance until the new job's health insurance kicks in but I was wondering if I'd still be able to be covered under her new job's insurance if we aren't living together. The only reason I ask this is because I am currently working part time at a job that offers health insurance but it is $70 per month. If it were up to me I'd go without health insurance but she informed me that it is required by law now (yay). I've read in some places that I would be able to stay covered by my mother's insurance until age 26 but I've also read in other places that if my job offers health insurance I cannot be covered on someone else's as a dependent. I live in Georgia if that matters! Any tips/suggestions welcomed, thanks!""

Which company has the best renters insurance in terms of service and price?

I'm looking for a renters insurance company that is not expensive and has knowledgeable and cordial employees. Is not eager to deny claims and has an extensive policy. If you found one that covers breakage of your belongings due to accident or use by you, let me know. I'm not so sure if those types of policies exist.""

Red camoro or mustang or white effect car insurance (boy)?

Hello I am driving in a few months. I am getting a 2011 chevy camaro 2lt or a ford mustang gt. does the color of the car effect the price of the car insurance. I do know being a boy I will have to pay higher insurance. But red is my favorite color. If I get a red camaro or mustang will insurance be higher than getting a white or yellow mustang or camaor. And what is better for everyday driving and safety. and features. and what is best for the money the Camaro or mustang. and trim wise to. camaro 1LT or 2LT or Mustang GT or V6Premium???? help

Can you go to a dentist without an insurance card?

Can you go to a dentist without an insurance card?

17 year old 1 day insurance?

Any insurance companies do 1 day insurance for 17 year olds?

What will happen if I drive without insurance for few days?

I live in New Jersey, my county is Hudson county. I just bought my car yesterday afternoon my insurance company was closed. I could not call them to add the car on insurance and start driving with my other car insurance. What will happen if I drive with my other car insurance in my new car for a few days? What if cops stop me? Will I get a ticket or something else?""

Best optical insurance?

Which insurance is accepted at the most places?

Could this be health insurance fraud?

Hi, I over heard someone that I know talking to their Significant other, and one implied to the other that the guy I know is letting his mother use his health insurance for something, I'm not sure what. What could someone be doing, across state lines with their son's health insurance? Should I report this? Who would I report it to? I could probably figure out what insurance company it is. Thanks for any input.""

Insurance while in the military?

How does insurance work when the car is registered in another state which for me is california and I'm currently stationed in texas. What address would i use if my car is with me in texas but is registered in cali.

How much is car insurance for a range rover sport 2010?

I have a friend how is looking to get a 2st hand range rover sport 2010 but Is worried about the insurance. What is the range of car insurance prices for the basic driver

Is a scraped car door handle worth the rise in insurance rates?

If someone scraped against your car door and the only thing damaged was the handle on the passenger side door, would you file an insurance claim and risk a rise in insurance? The scrape is only about 1-2 inches long.""

Why does the political left compare obamacare to car insurance?

car insurance is to cover the other guy, people often have liability only which give no personal coverage whatsoever!!! ca""

""Im 19 years old and looking for a cool car that wont cost too much for insurance, any suggestions?""

Im 19 years old and looking for a cool car that wont cost too much for insurance, any suggestions?""

Is there any cheap health insurance that have good coverage in california ?

Is there any cheap health insurance that have good coverage in california ?

What is the best way to use technology in comparing insurance premiums for MEDICARE costing?

Many of the baby boomer generation will shortly be reviewing insurance costs for our retirement years - health, medical, prescription and the like. We will need to make decisions based upon retirement income and expenses. I have done some preliminary research and it appears I need to do a lot more. The data for health and medical costs is easily available however there is a ton of it. For this reason, I intend to use spreadsheets to crunch through this and any other tech tool I can locate. One of the problems with this approach is that just about every quote is proprietary, that is each quote has its own bells and whistles which make it more or less expensive than the next company. Although I have spreadsheet skills, I can visualize that any template I make must provide for more assumptions than I want to make. From the above it's clear to me that I need some kind of generic (FREE) spreadsheet template that is not proprietary, combines monthly income and expense (insurance premiums counted as expenses), is not locked in terms of making formula adjustments, and has the ability to forecast. If this is as clear as mud to you, welcome to the crowd. Surely, there are fill in the blanks templates dealing with MEDICARE comparative cost determination. If there are and you are aware of them, please let me know. I would be in your debt. Regards, Rich F. Florida""

Cheapest car insurance?

What would be the cheapest car insurance for a low income 18 year old female who has had two tickets. I have a Chevy Tahoe-2006 and I live in Oklahoma if that helps.

How much have you paid for classic car insurance?

I have just bought merc e220 1993 and looking for cheap policy. Im over 30 female and got a wicked quote for fully comp with a named driver for 180. What have you paid?

I have question about car insurance!!?

ok I live in California northern part so.... I wanto know how much is the car insurance for 16 years old? Is it depends on type of car and the price you got it? I found a car in the internet its 2008 audi rs4 $2000 clean title how much do u think is the car insurance for this car... Thanks for the real answers!!!!

I pay more for auto insurance than medical insurance?

And no, im not a bad driver. Will Obama have some sort of auto insurance reform next to help us out? Look at how many Americans dont have car insurance but drive anyways.""

I NEED A CHEAP AUTO INSURANCE ONTARIO?

I have my g2, i am 19 years old, and i am trying to find a cheap insurance to quote me on a cheap car....its only a 99 cavalier 4 door. I have done a lot of online quotes and i have basically gotten the same quote around $430. I would like a quote more around the $200 range!! Help! Anyone know of any cheap auto insurances?? Thanks!! Carley.xo""

Can anybody advise me on the Insurance Company United America for health insurance?

I need Health insurance and would like advise on this company

Car InSuRaNcE!!!!!!!!!!!!!!!?

if i buy a cheap second hand car and want 2 get insurance on it, how much will it cost?? Am 17 and a learner driver.. im buying the car to help me drive better individually. thanks""

Where can I get affordable health insurance in Arkansas??

Where can I get affordable health insurance in Arkansas??

Car insurance. Using car but insurance under my moms name!!!?

HI my mom gave me her car which is insured only under her name and i took it to California from Illinois. I registered the car in California and switched the title to only my name. Can I legally drive around using the insurance card with my moms name on it which is also from Illinois?

How much does a limo insurance cost?

im saving 33,480 dollars to buy an 04 limo""

What ammount of miles should I drive yearly to get a minimum insurance rate?

I think if you drive less than a certain ammount of miles, you get cheaper insurance. What ammount is ideal? Plus, how are an insurance company meant to know if you drive to School ...show more""

How much is the insurance for a mazda rx8?

how much would it cost me? the insurance? im going to turn 18 and im going to start paying for my own insurance? since i have no credit around how much would it cost me.

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

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

What's the average cost monthly for a high school student for having a car?

Just like the question says, around how much is everything put together on having a car (maintaining, oil, insurance etc) for a high school student. Thanks.""

Can you go to a dentist without an insurance card?

Can you go to a dentist without an insurance card?

If I'm on someone else car insurance am I liable?

My old boy friend put me on his car insurance so I could drive his car. We are no longer together. If he gets in an accident could I get sued? He has nothing, but I do.""

HELP : ( I need dental coverage but I am a temp.Can anyone recommend insurance?!?

I'm having a really hard time finding an insurance company that are available to temps. Unfortunately I make too much to be eligible for medicaid, which is ironic because I don't make a lot of money! lol So any suggestions!? I really need to go to the dentist asap, I'm in a lot of pain :'(""

Is there a life insurance that can be purchased for a 90 year old lady?

Is there a life insurance that can be purchased for a 90 year old lady?

Where I get reference with Children insurance?

I've family and he have children, and now want join insurance for their children. Can you give me a reference?""

Paying a full year of homeowners insurance up front out of pocket?

I'm closing next week on my first house and the mortgage guy just informed me that i have to pre pay a full yr of homeowner insurance up front out of pocket. Others are telling me that this is usually included in the closing costs. In my case the owners are paying all closing costs. This was never disclosed to me and now I have to come up with an additional $1,000 that could have went towards new appliances that the home needs. Anyone else have any idea if I can include in the closing costs?""

Registering a car in California?

I just bought a car in California. I just moved here and am still looking for a place to live. It was a private sale, but they left me the plates, they said it goes with the car. She also told me I have 10 days to report to the DMV. Is this true? I haven't yet because I still have no place to live. If I opened a PO Box, would that be sufficient to register my car to, and even a drivers license? Or do I need a street address? What should I do? Also, can I insure it with just a PO box? I hope to have a place within the next week, but I'm still waiting on all of this right now.""

Car Insurance Question?

Here's the quick version of the story- I'm 21 and have just totaled my Altima on a rainy night, crashing into the back of a parked SUV, also totaling that. I have received a $700 bill for the ambulance, a $1200 for the radiography and, here's the kicker, a $24,000 bill for the hospital. I do not have medical insurance or medical coverage on my car insurance and will not be able to pay off the hefty hospital bill. What options do I have?""

Help with Car Insurance quote?

Hey there, I just wondered if someone could help me with a query on car insurance. Does anyone know how much I could end up paying for Insurance for a Vauxhall Corsa? I'm 23, and passed my test in January and was thinking off buying a car in a month or 2. Ive tried various sites for insurance quotes but they all ask for your number and I don't want to get hassled. The details of the type of car I'd like is as follows: Transmission: manual Fuel: petrol Engine size: 1.2L Doors: 5 Not much I know but this is the site I got the details from: http://www.arnoldclark.co.uk/detail.html?ac_reg=blk_u31kotjueau0i8uc&$ac_sr=0&$ac_pp=10&$blk=1&$franchiselist=vaux&$model=Corsa&$franchise=vaux&$model=Corsa I realise I probably wont get an exact amount but even an idea of how much I might end up paying a month. Thanks for any help :)""

Who provides really affordable car insurance?

I'm 19 in a month, I drive a 2002 Ford explorer and it needs to have full coverage. What are some cheap insurance providers for teenagers? What can I do to lower the cost?""

How to obtain depreciation from insurance company?

I had a roof claim at the end of the year for $45K. Ultimately the roof failed and damaged the interior of the home as well. The insurance company sent an initial check for $38K, and there is $7K in depreciation as a hold back. Once the work was completed I sent the insurance company a final invoice from the contractor for $44K. The invoice listed all of the work done and a grand total. The adjust is asking for line item detail around the charges. My contractor is telling me this is a ridiculous request and won't provide. So now I am sitting here with an adjuster who won't budge on their stance and a contractor who won't help. Are there any hard and fast rules on how to obtain the depreciation funds. In the couple of claims prior to this over the years, all I had to turn in was a generic invoice. I am at a loss and need to get those funds to close this deal out. I have full replacement value.""

Are there any good Websites about Insurance ?

For someone who is newbie in Insurance , Also if it contains cases and Q&A it would be best Does anyone know any ???""

Individual dental insurance for braces?

What is a good individual dental insurance if I were to get braces? I have done some research and nailed it down to DeltaCare and Pacificare. So which dental insurance is better, or any other suggestions? Pacificare cost slightly less than DeltaCare as far as co-payments go. Both are HMO plans, all the PPO plans covers little to nothing for braces, so HMO seems to be the only way to go for an individual plan. DeltaCare seems to be more reliable since it's associated with Delta Dental, a little more costly also. I'm more concerned about the quality of the services as far as making claims and such. So DeltaCare, Pacificare, or ay other dental insurance/plans? Any personal experience with either of these companies? I am in San Francisco, California.""

Would insurance on a 1992 lexus sc 300 be expensive? im 18 year old in riverside california?

yes i recently just got my license and im only 18 in riverside california

How much would the insurance of a 125 cc Honda Innova cost in Ireland ?

I'm 17 turning 18 in december and want to start driving the bike .

Will my car insurance rates go up after my first fender bender?

I'm sixteen years old and i got into my first fender bender. I was at fault, but the officer at the scene said that the damage was minor and would probably be less than 400 dollars. However, I was just wondering if my parent's insurance rate would go up ( I'm under their name) and whether or not it would just be easier to pay out of pocket. And if it did go up, how much do you think ( i live in Tennessee )""

Are insurance rates high for classic cars?

Are insurance rates high for classic cars?

Where can I find affordable health insurance?

It is for me, not a family""

What's the best car insurance company 2 get the lowest price rates on a 74 caprice classic?

What's the best car insurance company 2 get the lowest price rates on a 74 caprice classic?

Car Insurance Question..?

I don't have car insurance, but I have a driver's license. I am 16 years old living in Arkansas and I don't drive much. My parents have insurance and when they added me to the policy (of 2 cars), it went from $150 a month to $350, which we can't afford. We cancelled that insurance (with geico) and now have esurance, where my parents pay $135 monthly (with the same coverage), without me added. Should I be added on the policy, even though I don't drive much? If I'm driving and get in an accident, can I say that I was just burrowing my dad's car? Will I be covered under him then? (since i don't have my own car) I am confused. How does this work? thanks""

How much will a insurance company payout for whiplash and soft tissue injury?

I was invloved in a car accident where a person was texting and ran into the back of me on the highway going about 60MPH how much does a insurance company usually pay out for personal injury and should i use a lawer or settle by myself

Being denied by insurance for pizza delivery?

I applied for a driving postion at a local pizza resturant, and when i went in for the interview I was told so long as the insurance approved me i would start training in a week, and when i called today i was told the insurance did not approve me, and was not given a reason why, and i have no tickets or accidents at all on my driving record, any body in the insurance or pizza delivering bussiness know possibly why i was denied by the insurance?""

Which car would be cheaper for me to insure?

Would it be cheap for me to insure myself on my mum's insurance (her being the main driver) on a renault megane 1.5 or to buy my own car and insure it (Vauxhall corsa 1.2)? Thanks

How much does car insurance usually cost for a regular car?

don't give me a stupid link or tell me to check out a website just give me your estimate. How much do you pay?

""Can i make a car insurance in my name, if my girlfriend owns the car?""

I had some problems with DVLA some time ago becose i didn t SORN a car in time. Now i want to buy a car and make the papers on my girlfriend name becose of that...she dosen t have a driving license and the car is for me, so i want to make the insurance in my name....is that possible, will the insurance coste more becose i m not the owner??""

What would happen with my insurance company?

I hit a car 10 months ago. The guy said I didn't have to pay for it because he said the car was a piece of crap. So no reports were filed or anything. 1 month after the accident, he wants the car fixed. What would happen if I called my insurance and told them this? Would my rates rise? Would I pay extra fees? Would my insurance still cover it? I live in California and have Farmers and I am under 18""

Can you go to a dentist without an insurance card?

Can you go to a dentist without an insurance card?

https://www.linkedin.com/pulse/im-someone-else-car-insurance-am-i-liable-anthony-lopez/"

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Strafford Missouri Cheap car insurance quotes zip 65757

"Strafford Missouri Cheap car insurance quotes zip 65757

Strafford Missouri Cheap car insurance quotes zip 65757

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

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How much does it cost for auto insurance for a 16 year old??/?

Could a car insurance agent please answer my question?

I live in CA. I have Mercury insurance. I had 3 old cars on my policy which was too expensive so I sold 2 of them. I was paying $273 monthly automatically deducted from my bank on the 21st of every month. I sold the first car Jan. 29th. On Jan. 30th I took release of liability to AAA DMV and then to my insurance agent asking for the car to be removed from the policy. On February 10th I sold the second car. I took the release form to AAA DMV then straight to the agent asking for release. When I look at my policy deducting the 2 cars my insurance should be about $180 per month. They tell me it will be about $210 per month. Today rolls around, I check my bank account and they have deducted $273 from my checking. I call the 800 number for Mercury. They tell me it needed to be in by February 5th in order to make the billing deadline. Then they said they will NOT refund the money they removed from my account or prorate because under writing takes time. Is this legal??????""

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What are the cheapest cars to insure?

What are the cheapest cars to insure?

Which car would have higher insurance premiums?

I'm trying to figure out what car i want for my 16th birthday.. I've absolutely fell in love with the subaru wrx hatchback. the only thing im worried about is the fact that the insurance rates Might be high. i also like the mazda speed 3 and i was wondering which would be more expensive insurance wise. Also what you think about them being first vehicles. and please no<, you should get a POS for a first vehicle... Thanks in advance!!""

Car insurance- insurance not renewed.?

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Health insurance question?

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What is the cheapest car insurance company?

What is the cheapest car insurance company?

18 year old full cover insurance?

I'm 18 and I have full cover insurance on a saab 97x but I pay 200$ I wanna see what I can do to pay less

How flexible are life insurance quotes. Can I negotiate with company for a better rate.?

I got a quote for my family and me for life insurance (20 years/400K each). I would like to negotiate a better rate with the broker (assuming same coverage).Can it be done, or are the rates fixed, is there room to negotiate. we did the blood work and were offered standard rates.""

Do i have to pay insurance on a car if its not being driven?

my mom is buying me a car. I have my permit and I get my liscense in May but I want the car now. My mom says that she doesnt want to have to pay insurance on the car and just have it sit there, but I really want it so I can sit in it and show it off to my friends, who all have cars. if noone is driving the car, does there need to be insurance on it? she said that it does because what if someone were to hit it while it was parked on the street. also, does it have to have a liscense plate and can i get all that stuff without having to get insurance? i wanna get it now and then convince her to get insurance and let me drive it. it will be easier to convice her if i already have the car. the car i want is a manual but she wants me to practice in her automatic because thats the car im using for the test. im tired of driving her car and i want to drive my own, especially because its a stick.""

What sort of car/van insurance can i get?

I have my own business and use a van and i also have 1 employee who uses another van so i need to insure both of these but i also want to get a car to use maybe once or twice a week to meet clients etc, i havent decided on what car to get yet but i am looking at something sporty, ie a bmw m3 or something similar, is there a business policy which i could take out to cover all this? i would prefer to find one similar to motor trade where i and my employee can be insured to drive anything and i pay a set cost each year,any advice will be great, thanks""

How much would insurance usually raise adding a minor on it?

How much would insurance usually raise adding a minor on it?

""For insurance, will a total loss raise my future insurance rates more than a repair? Any idea by how much?""

I filed a claim on my motorcycle, I have read you can do some negotiation in terms of if your bike is considered a total loss versus just needing repair -- EG telling them that certain damage is inconsequential towards the vehicle's safety and it's something you don't care about -- like maybe one small scratch on an otherwise fine fairing, or by getting your own estimates from shops to contest their estimates. I was just wondering what the longer term consequences on my insurance rates might be for it being repaired or considered a total loss.""

Strafford Missouri Cheap car insurance quotes zip 65757

Strafford Missouri Cheap car insurance quotes zip 65757

Extra costs covered by car insurance ?

I had to pay 150 to get my car brought home when a car hit me from behind ? Can i reclaim this money through my insurance company ?

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?

Which car insurance is cheaper for a 17 year old male?

I'm 17 and I'm thinking about getting a car when I get my g2 in a few months, I do have a job I work at Canadian tire! and Im looking for which car would be cheaper on insurance.. I dont want a truck, caravan or a smart car... please answer this truthfully! :) P.S. Im in ontario, Canada""

Can my mom add my car to her insurance?

I'm 19 yrs old and i just bought a car, my car note is $300 a month and because i just got my licence the cheapest insurence i can find is atleast $250 a month (i cant afford that)... i have a used 2006 lexus is 250... i cant afford $250-$350 a month and was wondering if my mom could add my car to her insurance even though the car is registered in my name""

""21,no job,no health insurance,need meds, what do i do?""

i live in california & i had Health insurance for 3 months (medical) but they cut me off when i turned 21 in december. during those 3 months i was taking fluoxotine for my depression/social anxiety & nexium for dyspepsia. The meds actually worked. it took 2 weeks for my mood to change. i felt happy,less anxious & more talkative! but unfortunately i have ran out. My insurance company said they only take care of youth up to age 21 & the elderly. Well what does everyone else do? do any of you over 21 have Health insurance? if so what company? I have no money to pay for the meds myself, My fam cant afford it, i have no help, i cant get a job (ive been trying for two years) i Have no idea what to do.""

Do I need to have insurance to drive my parent's cars?

The cars have insurance but I don't. Do I need it!?

17 Year old insurance on 1985 Ford Escort RS Turbo Series 1?

Im 16 years of age soon to be 17 and I am looking for a first car that would be of a classic sort. I hate all the usual Saxo's and Corsa's that all the other kids drive. My dad currently owns a Series 1 RS Turbo and were in the middle of restoring it. I looked into insurance as myself as a named driver and got quotes of 11k and that's way too much. Would the price be cheaper if i put myself as a second driver on my dads insurance? Im in desperate need of answers right now. If not then has anyone got any info on a Mk1 or Mk2 golf or even an Mk1 XR2 Fiesta. If all this classic insurance is too hard then has anyone out there got any ideas on what car I could get that has got cheap insurance, Looks good, Performs great and can be modded great. I don't want answers which involve astra's and clios's. More along the lines of newer better material. Thank you :)""

Health insurance...what does this mean?

My school has an option that states that unless you have health insurance from a ' government sponsored health insurance plan' then you have to go with the school's health plan.......which is so expensive. So what are the 'government sponsored health insurance plans?

Can I get liability insurance if I do a roll over?

I'm currently financing a vehicle and I simply can't afford it anymore. I'm considering doing a trade in for a cheaper car. I would be trading in my car which has a higher value than the car. So there will still be a finance going on but it would be a rollover. Will the other technically be paid off meaning that I'd be able to get liability on it? I just need to lower my payments because it's too much to handle right now so even some ways that I can lower my payments or insurance would be nice.

How much would auto insurance cost if?

im about to be 15, and my dad is freaking out about car insurance prices, so how much so i expect to pay for a 2003 jeep liberty/ or honda civic? (texas) also we have geico.""

Lowering insurance premiums in BC?

In BC after I get my class 5 drivers license(no longer an N) Is it likely my monthly insurance cost will go down?

What is long term insurance?

can someone explain in detail about long term insurance?

How long does it take for an auto insurance claim to clear you record?

I currently have USAA and back in Nov 2005 I hit a piece of tire on I-25. The tire ripped out my wheel well cover and took the electrical system with it. I made a claim that came out to 1K including my deductible. When trying to change insurance this claim came up and uppped my 6 month policy by 300 dollars. It is not on my DMV driving record, can I still get the cheaper insurance thru progressive.com? Thanks a bunch.""

Can I get refunded 7 years of premiums on a Life insurance policy with a Total Disability Rider?

I need to know if I can get reimbursed for the premiums I paid. I own the policy and didnt know it had a waiver of premiums rider due to total disability. The insured has been totally disabled due to a stroke since 2001 and has been on social security disability since that time.. Please help because I think American General is trying to give me the runaround. This is a term life insurance policy

Will getting a speeding ticket increase my insurance rates?

I am 17 with my G2 on my parents State Farm Insurance Policy, but will be taken off in 5 months when I move out to university. I got a speeding ticket (65 in a 50) and no points with it...will they find out if I just mail the check myself?""

How much money i need to start up car insurance business?

ok im licensed, i have office with experienced sales people , company name gaico , how much cash on hand i need to cover losses (lets say i signed 100 customers allready to gaico)""

Affordable Health Insurance?????

hi everyone...im asking this question for my parents. they are 56 (dad) n 53 (mom)....both of them are permanently disabled. my mom has been on ssi and disability since i was 5 (now 23) due to a severe back injury that left her unable to work. my father was forced to retire about a year ago due to a hip replacement, crooked spine and back surgery that left him crippled for months. my father now receives his retirement and ssi as well...however due to extreme circumstances they both just lost their medical insurance from another provider. what options do they have??? how can they get coverage??? thats affordable...??? medicare doesnt kick in for my father for 24 months after he first started receiving his ssi benefits. n my mom said for her to get it its very expensive. what do they do???""

Insurance for 16 year old?

I turn 16 and get my license in June(I'm a guy). I'm getting a 2003 Toyota Rav4, and going through Travelers on my dad's plan which has 5 cars on it already. How much will liability and collision cost for me?""

Help understanding auto insurance settlement and if I need to seek legal help?

My 17 year old son was driving his 2003 Ford Explorer, when he was hit by another vehicle. My son was approaching a stop light and traveling between 3-5 mph....The vehicle that struck him was a company work vehicle. The work truck was pulling out of a parking lot when he hit my son. His estimated speed was also 3-5 mph. There were no injuries at all, and there was no medical treatment sought. This all happened on April 10th 2011. It was found that driver of the work truck was at fault for inattention. Honestly, this guy was super nice and walked my son through the process of calling police etc til I could get there....Now dealing with the Companies insurance carrier has been a headache!!!! here is the basic timeline....Explorer still drivable....Had to wait 10 days for police report....contacted Company that owned work truck, and they forwarded me to their insurance co....Was advised to seek several estimates, and fax them over....Faxed over estimates to adjuster. All estimates exceeded 5k....Stated she would have to contact an adjuster from local area to work this. Local adjuster came out. Estimated damages to be 3300.00. Insurance Company sent me check for 3300.00 and advised me when vehicle repaired, auto shop would need to work with adjuster on any additional repairs and costs. Explorer was in shop 30 days before finally being totaled. Local adjuster was horrible to work with, did not communicate with body shop, etc. I finally contacted the insurance company, and told them I refused to deal wither contracted adjuster etc. Now that the vehicle has been totaled, they don't want to pay what I think is fair. The insurance company wants to settle for $6928 plus $367 for taxes. Clean retail for the Explorer is $8100. This is for my area. I have been car shopping for 2 days straight. can't find anything comparable with the money they gave me etc. I have taken off work to deal with this etc, been going on for 2 months plus, and Iam worn out with it all...All I want is for my kid to be back in a safe reliable vehicle. The insurance company did provide a rental car. I had to drive it, my son had to take my car, my other son had bought our car from us, but can't get it yet, because the other needs it for work school etc....I am so frustrated with the ins ompany""

Does driving school really decrease your insurance rate?

i heard that if u go to driving school and tell the insurance after getting ur license they'll give u a discount on insurance

Car accident involving two parties with same insurance company?

Hi there, My dad was involved in a car accident where the other party was at fault in WA state. Both parties have same insurance company. The Insurance company deemed the car as a total loss and sent a check of $4000. Meanwhile my dad had to go to a doctor because his neck is super stiff. Did anyone have similar experiences? $4000 isn't enough for a new car, and they can't afford car payments at this time (my mom has was just laid of), should we get a lawyer to contact the insurance company to demand higher compensation? Thanks!""

Car Insurance Question?

Here's the quick version of the story- I'm 21 and have just totaled my Altima on a rainy night, crashing into the back of a parked SUV, also totaling that. I have received a $700 bill for the ambulance, a $1200 for the radiography and, here's the kicker, a $24,000 bill for the hospital. I do not have medical insurance or medical coverage on my car insurance and will not be able to pay off the hefty hospital bill. What options do I have?""

Can your auto insurance company raise your rate without notifying you?

hello, I just started a auto insurance policy with Infinity insurance. the agreed monthly payment was $403 and that is what my first bill was. this month I noticed that they billed my checking account $563. I did call them and they said the price went up because they made an error with the policy. so what I want to know is it legal for a car insurance company to raise your rate and bill and charge your account without letting you know before hand? also what can I legally do? it really does not seem legal...if I would have been notified I most certainly would have canceled my policy. thanks""

Do I need to be on the insurance to go to and from school in my friends car?

I am 16 years old and I have my drivers permit, is it legal to drive myself and my sister to and from school in my friends car without being on the insurance policy? its my friends dad car and I want to use it for school..""

New to US and getting car insurance in CA?

I am arriving on a working visa to California. I will need to buy a car and get insurance. I have a UK drivering license. Can I get insurance with a UK license or will I have to get a CA license first?

Strafford Missouri Cheap car insurance quotes zip 65757

Strafford Missouri Cheap car insurance quotes zip 65757

What is the best type of insurance to buy term or Variable Universal Life? Why?

What is the best type of insurance to buy term or Variable Universal Life? Why?

Whats the difference between home insurance and rental insurance?

for my rental property? Is it a good idea to switch home insurance to rental insurance when a tenant is living in my rental property just in case if they smashed some holes on the wall, or some damages on the property? Thanks!""

How much should i get for insurance repairs?

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

Why the **** is my car insurance so high?

I don't have a car, but I just checked how much my insurance would be if I did have a car.... $850 monthly, and $10,000 yearly. Why the **** is it so high? I'm in Canada &19 years old... I don't think this can be right, I always see young with their own cars, no way they are paying this much ... on top of it all there is gas, oil changes, all that other stuff that will cost thousands more.""

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

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

What if I cause an accident but the car insurance is not under my name.?

Well I hit someone and in my car but the insurance is under my mothers name only.The other driver and his passenger are riding in car that does not belong to both and they are not under the insurance of the car.Sadly the passenger was complaining about a neck injury so they called the cops and an ambulance.What happens then?

Does a car being Stolen/Recovered Affect Future Insurance Policies?

I am looking to buy a car, and wondering whether a car that had been stolen with keys, and recovered (but not before the insurance company had paid out for it) will have problems getting insurance, similar to cars rated as Cat C, or Cat D?""

How to get Cheap Car Insurance? This is True...?

Hi, Ive recently be searching on comparison websites to find myself a cheaper quote, I started doing my searches at the start of the Year, Ive noticed that I would have been paying 300 cheaper during December and January time if I was to get insurance in those months and When I did the same search in May and June - Summer period it became 600 more expensive. So give it ago on confused website and see for yourself your insurance will become a lot cheaper if you insure between these months.""

Cheap car to insure?

Let's work on a budget for a car of 10,000. I'd like a car newer than 2004, so I'm more than happy to have a second hand /used car. I'm looking for something a little bit more on the luxurious side of things, rather than the stereotypical first car (Clio, Corsa, Fiesta etc). UK models only! What cars are fitting my brief, and have cheap insurance for a 17 year old male. I know insurance is far from cheap nowadays, but I'm asking for the cheapest.""

How much would it cost to add this to my car insurance policy?

okay, i am 16 years old and just got my liscense a couple of days ago. my parents are now paying an extra $800 to add me to the insurance but they want to buy me a really cheap car to drive for about 2 years so i dont crash the other expensive cars we have say i got a '93 honda civic for around $2,000 with around say 100k miles on it, how much do you think it would cost to add that to the policy?""

""WHY the hell is motorcycle insurance SOO expensive in Ontario, Canada?""

I took identical information and filled out a progressive quote for both DETROIT and LOSANGELES and both are 2356 FULL coverage (im 16 years old with zzr600), While when i got a quote from TD Bank they said 6000$ what the f u c k my damn bike doesnt even cost that much got damn it.""

Good starter bike thats cheap on insurance?

i was thinking a 250r or a 600r???

Help a 21-year-old choose car insurance?

So I have a 2001 jetta that's being financed. I need full coverage and I have to start looking soon. Anyone havesuggestions on where to get a quote from? What should I expect paying for on a full covered vehicle? By the way, I have a clean record, never been in an accident and this is my first time getting car insurance, or any type of insurance. Thanks in advance...""

I need a motorcycle insurance estimate?

I plan to get a 2009 Suzuki GS500F Motorcycle in the next coming months. right now i don't have a drivers license, just my learner's permit. i take the Road test next month and if it goes well the month after i will go for my motorcycle license. I am 21 years old and i live in NYC which as many of you know is a high traffic area. I am a college student, My campus is about 16-20 miles away. on a weekly average i expect to ride about 80 miles or so. i won't be doing any stunts, period. there are two questions i have for you guys, 1). whats the best motorcycle insurance for someone young, inexperienced and new on the road? 2). Being that it is a 500cc engine and its pretty low powered motorcycle will my insurance be cheap, like under 200$ a month or probably something way above that?""

Average cost of auto insurance for a truck per month?

Average cost of auto insurance for a truck per month?

Car Insurance Question!?

I currently am paying 231.10 dollars for car insurance. This policy has only one vehicle, which is a 1997 Dodge Caravan. I am planning to add another vehicle to the policy which is a 2003 Honda Civic Sedan. I am wondering how much more I would have to pay if I were to add on this vehicle. Can someone give me an estimated amount?? ( Using GEICO as my Auto Insurance ) And also, I went on the Geico site and I saw that you can add a vehicle to your policy just online. After I'm done with all the registration, will they just send the insurance card straight to my home with just a simple online registration??""

""Car insurance help, 16 yrs old?""

hey, so im 16 yrs old. I live in florida, have above a 3.0, took driver safety classes and everything, and im thinking about getting a 1995-2000 v6 camaro as my first car. Problem is, about 4 or 5 months ago, some asshole in a truck with a trailer crashed into me while i was driving and my parents got ****** on insurance, and the court just now ruled it wasnt my fault, but i know its still going to affect my insurance. If i go under their plan, have them as the lead and im just an off-driver, as it will be a school only car, how much do you think the insurance would be? im just looking for a medium range, i know everyone can't get specifics, im just trying to see if its worth it or not. i think with me on both cars now they had to pay $150 dollars more now, they said it would usually be more, but since they have been with them for over 30 years or something they get a discount.""

""Who has the cheapest car insurance in Houston, Tx?

I have Geico right now.. I am a 17 year old boy who has a car accident on his record (in june 2010).

What is the cheapest car insurance in Florida?

I'm 20 and I'm with Allstate they have me paying $1000 each 6 month for Insurance too much money they killing me help.

Help! sears auto employee insurance?

does sears auto center provide free insurance from any injuries during their work of hours for the employees such as mechanics

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?""

How much will my insurance rate go down if i take driving school?

...I just turned 18 and im wondering if i should go through the schooling..

Can I drop my Health Insurance and pursue the Affordable Health under the Obamacare program?

... and would it be wise to do so?

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

Insurance question please answer if you know?

my friends husband has colon cancer the health insurance is about to run out she is looking for morer health insurance does anyone know any health insurance that will insure him?

Strafford Missouri Cheap car insurance quotes zip 65757

Strafford Missouri Cheap car insurance quotes zip 65757

Does anyone know where I can find affordable health insurance for self employed people?

I own a small business, and need to find health insurance for my family that wont break me. Please help if you can. Thanks.""

How much wil my insurance go up?

I was just recently in a car accident. It was my fault I hit a truck and totalled my car. The truck didnt seem to really have damage I hit the metal ball where you attatch a trailer the hitch. I have fred loya car insurance. how much will my insurance go up? Please. will rate best answer.

Auto Insurance Rates...Own Vs. Lease?

I'd like to know if there is a HUGE difference in monthly auto insurance rates if you Lease a car instead of buying one? Things to consider for my scenario: 1) I'm a 23 yr old male, so my rates are still higher until I turn 25 2) Will have to have full coverage considering I won't own the vehicle in either scenario (I'd have to finance if I bought). Any info would be greatly appreciated!""

How could she afford health insurance?

Here's the real life monthly budget of a 28 year old woman I recently met: Wages +1760 [$10 an hour; full time, no holiday bonus pay] Taxes -250 [Social Security, Medicare and Federal Income Tax] Take Home = 1510 rent 600 [1/2 of shared apartment] car 300 [includes auto insurance and repairs] food 200 [and household supplies] electric 50 [her half] cell ph 50 church 50 clothes 100 [includes makeup, beauty, and entertainment] replacements 165 [primarily for her car = 2,000/yr] {used car replaced about every four years with another used car that is about 6 years old when bought. Monthly costs are 150 for insurance, 50 for gas, and 100 for repairs. She has no auto loan payment.] *** How much does this woman have left to buy health insurance with? *** you're exactly right -- ZERO her employer offers all employees a fine health plan -- at a cost of 700 a month for a single employee [employer contribution is zero]. Is there any way she could possibly afford health insurance? Only if it is free. There is no other way. *** what does this woman do if/when she gets sick? because she works in health care, she aks the doctor who sees her patients while he's at her workplace. he looks at her off the record and writes an Rx if needed. cost = zero plus the Rx. *** Here's the challenge -- how do you pay for her health insurance without raising her taxes?? [She can't afford any higher taxes.] Notice that, aside from her car replacement fund, she has no savings, no retirement plan other than Social Security, and almost no assets. One credit card, zero balance, used once a week on average, always pays it off. *** Dear Congressman: This woman is your uninsured target. She almost literally can't afford to pay anything for health insurance; and certainly can't afford fancy health insurance -- she's just barely making it as is. [She makes too much to be eligible for Medicaid since she has no kids.] What's her plan for a serious illness? Go to the hospital, get admitted, and go bankrupt afterward. She has an older used car and no assets -- nothing to be taken away [her car fund would be emptied for rent and food while she's unable to work]. Tell us how this is going to work -- her employer, btw, is almost bankrupt now, so you can't tax it to provide the health insurance unless you also increase health care reimbursements to providers.""

Car insurance on first car?

i'll be turning 17 soon and my parents and i have been talking about a car for me. my dads over 50 and has a perfect driving record...if i were to buy a car but put it in his name, would I save a lot on insurance? and then i could just drive it? would that work""

Is this a good world to bring a child into?

I sometimes worry about having kids due to the world going down hill, theres so many bullies and bad people out there,i dont think I can handle my children getting hurt by someone or bullied,also how much will car insurance be in 18 years, a 19 year old at work keeps getting 5000 quotes for 1.1 cars,id like some opinions on this as me and my wife are planning to have kids soon,am I worrying about nothing or does anyone else feel like this?,i want my kids to have a nice life.""

Why is my car insurance quote cheaper?

My insurance ends this month so last week i just did a quote out of curiosity claiming i had a 1 years no claims bonus which i should get end of this month, which said it would be 10 cheaper. I did it last night but this time i put i had NO no claims bonus and it came up saying its 40 cheaper! I went for that one but does it matter that i havnt put in my bonus? I havnt got one yet anyway cause i needed to sort it out asap""

""What is the absolute best, maximum protection motorcycle insurance for me? 20/F 1st time rider.?""

I am willing to pay more, I just dont want to get cheap insurance that doesn't cover me. No subrogation clauses, I want to be covered as much as I possibly can. I am in TX. Is Allstate good? My car is under Allstate. I have heard Dairyland Insurance is good...anyone have experience with it? I dont have any tickets or violations on my record.""

How much does insurance increase for a teen with an old car?

I was doing some research to buy my own car. I wanted either a 1976 dodge Monaco or a 1989 Chevy caprice. My question is, if I am 17 years old and I had this car, what is a rough estimate of how much my dads insurance will increase? I figure old cars and young drivers don't mix well but I need to know. Also, I have never gotten in any accident or received any tickets and I don't even remember the last time my parents crashed or got a ticket if that helps. Shanks""

""Auto Financing Insurance, does it exist?

Is there such a thing as auto financing insurance. i know when you apply for a credit card they ask you if you want insurance in case you lose your job or accident or whatever and they would make the payments for you. But do any companies out there exist that do this kind of thing for auto financing. Im going to be buying a car within a week and wanted to know Thanks

19 yr old looking for a fast & cheapest insurance car...?

So im 19 and looking for the best option in car with a cheap enough insurance <2,000. Wanting a car that is about as fast or sporty as im going to get for also <2,000. Any suggestions ???""

Health Insurance and im currently pregnant?

I live in Orlando, Fl and I'm pregnant, is there any insurance company that i can get a health insurance now?""

""How do i go about getting car insurance, for a 20 year old?""

well i'm almost 19 now..but when I am 20 I am getting out of my house..anyway my mom is always nagging at me about how she pays for my car insurance and she says its like 200$ a month and i wish i could pay it so she could shut up..but anyway so when i move out how do i get car insurance and how much would it cost for a 20 year old? i've never been in an accident, i would be a student, i have above a 3.0 and i took drivers ed..don't you get discounts for all that?""

""Looking for a good first car, one with low insurance rates preferably?""

I just turned 16 and am currently in the market to buy a car. I am looking for something in the price range of around $2,000, possibly a small four cylinder pick up, or a japanese sedan. Does anyone have any sugestions for a good first car, and if any one has expeiriance with insurance can you tell me a price range of what I would be looking at for isurance, I have good grades and looking for a minnimum policy in Florida. Thanks if anyone can help me although I know I probably wont get much help with the insurance part.""

Motorcycle insurance... Tell me everything.?

What can you tell me about cycle insurance as far as coverages I should get and dont need, and what I need and who do you think is the best company to get it from.. Me; 25, sportbike""

WHere casn i get cheap insurance in toronto canada?

Hi guys i need help, where can iu get real cheap insurance for my car thanks""

Average health insurance annual limit?

How much is the US health insurance annual limit. I'm talking about the amount the insurance company will pay to the healthcare provider. NOT what the customer would pay. IE: I go to the hospital for chest pains with insurance. I pay a deductible (a) and the insurance company pays the rest (b). Most insurance companies have a limit for the amount they will pay towards (b). I need to know what the average limit is. Google is failing me here, but maybe I'm just doing it wrong. Just to be clear: I am looking for a dollar amount not a percentage. I am not interested in what the person pays, just what the company pays. Thank you!""

Insurance on a civic si?

Alright so im pretty sure that answer is going to be high but im thinking of buying a '06/'07/'08 civic si, but i was just wondering if any other si drivers could give me how much they pay for insurance. im 20 live in s. cali and have one ticket so i bet thats gonng drive it up but still want to know like an average. will it make a difference if i but a civic si sedan instead of the coupe?""

Where does car insurance go when yo do not have an accident?

what happens to the money you give to car insurance companies when you dont have an accident?

How does insurance for a scooter in florida work?

I was wanting to get a scooter a little like the one on this site: http://gainesville.craigslist.org/mcy/1167379006.html So anyone have any info that might help me like will i need insurance, would i need a special tag or license that costs more, are there any laws towards scooters in florida, would i need to get something from the owner like any type of paper work? Any tips would help a bunch!! thanks!!""

Need to find cheap but good minibus insurance. Can anyone help?

Need to find cheap but good minibus insurance. Can anyone help?

What's a good job with good health insurance not needing a degree or experience?

I'm a college student looking to find a good job that has affordable health insurance all on which i can find an affordable place to live. Most factory's that have these benefits start with a low pay rate that doesn't seem worth it (after gas is taken out). Any ideas?

How i can buy repairable cars from insurance company's for start bus sines?

i want to start bus sines with insurance company's who sell cheap repairable cars

Where is the best place to buy cheaper home insurance for the over 50s?

Where is the best place to buy cheaper home insurance for the over 50s?

How much home owner's insurance should I get?

How much home owner's insurance should I get?

Strafford Missouri Cheap car insurance quotes zip 65757

Strafford Missouri Cheap car insurance quotes zip 65757

https://www.linkedin.com/pulse/1-year-quote-car-insurance-anthony-white/"

[iannoyinglysweetstudent-blog]

Need help with my car insurance?

"Need help with my car insurance?

I will be driving for a year this august and i'm currently paying 105 a month for my current insurance. All the quotes im receiving at the moment are alot higher then i'm already paying but i'm sure it will go down once i've been driving exactly 1 year. Will i get a 1 year No claims discount automatically on the date i finish my current insurer? then just set my new insurance to start the day after?

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

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Life insurance for the elderly 83 years old?

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Is it true EX class model car have higher insurance rate? I want to buy an honda accord 2000 EX.

How much life insurance is enough?

We are looking to get life insurance for my husband and myself. Permanent over term. Im a stay at home mom of 3 kids and we are planning to have another baby. We are currently living in Europe because my husbands job is here. We are renting but want to buy a home. We plan to move back to the US at some point, when my husband can find a secure job there and when we can save the money to be secure in an unstable economy. Basically, if my husband dies (God forbid!!) the children and I would move back to the US and need to buy a house, vehicle and either ship our belongings from Europe or furnish a new house. Plus, I havent worked in about 5 years since I have been raising my babies and I dont have a college education. I do plan to send all the kids to a public university when that day comes. I am capable of working but dont know what kind of paying job I could get with only a hs education. So how much do you think my husbands policy should be? And for myself? Whats the average cost monthly for a married couple having permanent life insurance?""

Insurance for a Range Rover Sport?

I'm turning 16 in about two years, and i was thinking about getting a 2010-2012 RR Sport Supercharged. I was wondering how much it would cost for me to get insured. Do you have a range of what it would be around? My parents are already letting me practice driving and stuff. The car would be around $30,000-$45,000. My family is in the upper-middle class. So we're not all that rich. I will be working by that time and paying the car off.""

Auto Insurance?

When a child is taking Driver's Ed ...and you are giving him extra practice time while you are in the car. Do you need to add him to your insurance?

Insuring a teen driver?

I was wondering if I have to insure my teen driver. He's just turning 16 and I don't want my insurance rate to sky rocket. Why do I have to insure him, (if I have to.) Isn't him not being on the policy the same as someone borrowing my car?""

How much is car insurance?

I'm 17 years old male and i have a 2001 ford mustang in great shape I live in Nashua Nh. and I just got my liscence. can anyone tell me how much my insurance would probley be?

Car insurance with teenagers.?

My mom and I have been checking around for cars to buy because I have a scholarship and one college class right now, and I need the transportation so that I can go to study sessions for the college class, and to the meetings for my scholarship. We really don't have a lot of money. I work but only on Saturday because of school. My mom has Progressive right now and she checked how much it would be to have me and a new car on the insurance and it is a whopping $500 a month (her, her truck, me, and my car included).. We need an insurance company that isn't going to cost us a 1/4 of our income. At first we were looking at older cars under $2500. Then my mom was thinking it would be better to get me a new car with good gas mileage so she wouldn't have to worry about me being safe and not breaking down on the side of the road... But we can afford a new car, not with our down payment. The monthly payments are too high. So now we are going back to the older cars, and if we have a fully paid for vehicle, I am sure the insurance won't be as high. But here it, I am 16 years old, took driver's ed and have an insurance waiver that is supposed to bring the insurance down 10%. I also have good grades, a scholarship, a job, etc.. These things should look good to the insurance and bring the cost down.. I am safe driver as well.. Not driving far daily at all. Basically back and forth from school and to those meetings and study sessions every now and then. Any suggestions as to what car to look for and what insurace company we should go with? Thanks, in advance.""

How do I get car insurance if my car was stolen?

I wrecked my car recently & was given a ticket for no insurance. My car was stolen shortly after & now I'm not sure what I'm supposed to do about the ticket or getting insurance. The court date is approaching very quickly! HELP PLEASE!

I have title to my exes car and pay their insurance. How do I get out of it?

Me and my girl broke up a year and a half ago. She's a real piece of work. We lived together for 3 years and had everything is each others names. Utility bills, cell phone bills etc. She never paid any of her bills on time and it destroyed her credit. I signed for a car for her because she's had multiple DUI's and didn't have the credit to get her own. She made the payments on it and I never put any money down. The car title is in my name and she has paid it off. She can't get insurance because of the DUI's. I just want to be done with it so I don't have to deal with her anymore but she wants me to hold off until she finished her DUI classes to get a reasonable rate on insurance. She's been telling me the same thing for a year plus. I'm not even sure if she's taken or taking these classes yet or not. I asked her about it the other day and she never responded to me. I had left her a voicemail and she never called me back. This really pisses me off. So my question is if I sign the title and make her sign it as well do I have any more resposibility with the automobile? I just want to drop her from my insurance and give her the title. Is she wrecks or, god forbid, kills someone while driving am I liable for anything?""

Cheap Motorbike Insurance for Young Rider? (PLEASE)?

Hi All... Thanks In Advance for any suggestions! Ive been riding my beloved VFR400 NC30 for 2 Years now (Which is now for sale), its finally time to get a bigger bike! Im wondering if anyone has any suggestions for the cheapest bike insurer for my age... I am 20 Years old (21 in May) and im looking to get insurance on a 2005 honda cbr600rr, I have been riding for 2 years with 2 years no claims, I own a car and have been driving for 3+ years with 2 years no claims. I did have a perfectly clean licence until last week when I picked up 3 points for Driving over the speed limit in scotland, Which I actually did carelessly not on purpose, so that will obv bump up the price a bit! I have tried some of the usuals likes Bennett's, elephant etc just wondering if there is anyone who knows ones that may work out cheaper than the 600 pound that i have been quoted! Once again many Thanks""

How is affordable calculated in obama care?

How is affordable calculated in Obama care? I have tried to find the criteria of what is considered affordable in Obama Care but haven't found it. How is it calculated? Who determines what is affordable? I think $1/ month is affordable. I'm sure the government and the health insurance company's say it's more.

Lamborghini insurance price?

What would the insurance price be on a 100K 2005 lambo for a 20 year old with a clean driving record, im not looking for an exact answer, this is just a question me and a friend were wondering about""

About how much per month would insurance for a sub shop/pizza place cost an owner?

Doing research in attempt to know how much it will take to get a small sub shop off the ground. A big question is insurance. In this day in age, I would hate to be sued by someone who slips outside and falls. I will be renting the property from a local land owner. The building is 1,000 square feet, small joint. What is a general range of which I might in liability insurance for my business? Located in ohio small town.""

Will my car insurance go up?

I pulled out in front of someone and they rear ended me and im at fault..and iam 17 years old so will my insurance go up, and if so how much? i have state farm""

How much should i be paying for car insurance in the state of ohio?

I am 17 years old im a male i drive a 2000 chevrolet blazer i have no accidents no tickets and i get decent grades

1st Car insurance way too high?

the insurance on my dads name with my provisional license is way too high nobody would pay 2300 pounds, iv put all the correct details in and put on as many drivers that put down price and every other possible way to reduce price but thats the cheapest on confused.com this means i need to sell my car that i have had for 1 and a half years that iv been working on for me turning 17 and driving it, im too depressed now and i badly dont want to sell it has anyone got any solutions or recommendations anything?""

""Help! If my car insurance deductible is $750 and repairs cost $489, How much will the insurance company pay?""

My car was vandalized. The adjuster sent me an estimate for $489. This is lower than my deductible. Does this mean that the insurance company does not have to pay anything? If so, i'm going to find some better insurance.""

Need help with my car insurance?

I will be driving for a year this august and i'm currently paying 105 a month for my current insurance. All the quotes im receiving at the moment are alot higher then i'm already paying but i'm sure it will go down once i've been driving exactly 1 year. Will i get a 1 year No claims discount automatically on the date i finish my current insurer? then just set my new insurance to start the day after?

https://www.linkedin.com/pulse/how-much-would-full-cover-insurance-cost-2010-ford-mustang-sharpe"

[lazytacomoon-blog]

Can you get car insurance for 1 day?

"Can you get car insurance for 1 day?

Im 18 years old and i have 1 years no claims. Is there a company that will insure me on a car for one day?

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

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What is the cheapest and most affordable auto insurance?

i live in illinois

""1 point on my driving record, will it affect my car insurance ?""

I received 2 tickets during the month of November in 2007. I'm currently taking traffic school for more expensive one, which will prevent me from getting the other one point on my record. However, I wont be able to take traffic school for the other citation, so i'll end up with a point on my record =[ How will the 1 point affect my driving insurance ?? I live in California, and I read somewhere that one point wont affect anything. I want to make sure by posting the question here... thanks""

What is the difference between term and whole life insurance?

What is the difference between term and whole life insurance? When is it better to use one versus the other?

How can I get car insurance?

Let me give some more information. I'm 20 years old, female, live in NJ and need to buy my own car and insurance soon. I've never had my own policy before and I was wondering how I would go about getting one. Also, what are some companies to use? Thanks!""

How much would Car insurance cost per month for a new teen driver driving a sport car?

I might get a Honda Prelude or a Honda Civic and a prelude is more sportish than a civic. But how much would it cost for car insurance per month for either cars ?

Car insurance in the u.k??

is ridiculous i am a young male who has had his license 4 10 days and havent drove a car due to the fact that robbing insurance companies are trying to charge me over 2000 for third party fire an theft on a car that isnt even 1000cc in fact its 950 cc does any one no of any insurance companies that DO ACTUALLY SAVE U MONEY thank you

What's a good place in california for insurance?

What's a good place in california for insurance?

What is the average insurance costs for a food truck small business?

The truck would serve hamburgers and grilled sandwiches and would be operated by the owners (no employees). It would operate only part time during summer months (maybe 50k/yr revenue).

What to do about car insurance claim?

On wends. I was waiting at a red light and another car wrecked into my car. We pulled over and I called the police and my insurance and all that other fun stuff. He got a ticket and when the cop came back to me he gave me the other guys information. (as in his name, car, and license plates number and thats all.) I called my insurance (State Farm) the next day to see if they had any more information because I thought my insurance was gonna get in contact with his insurance (Titan insurance.) The guy at state farm said that in my policy there is a 500 dollar deductible. (I thought this other guys insurance was supposed to pay for this, not mine.) So I asked the guy that and he said if I wanted to go through his insurance I had to get a hold of them myself. (But isn't the two insurances supposed to get in contact with each other?) The last two days i've been calling titan insurance and state farm trying to figure out what the hell is going on because this titan place seems like they have no clue whats going on and state farm is telling me to go through my policy and none of them have answers to my questions. Why should it go through my insurance if hes the one that hit my car? I've never been in a car wreck before so I'm not sure how all of this is supposed to work so any advice would be good.""

How much will my car insurance go up if I make a claim?

I crashed into someone and my bonnet is crumpled up, it will only cost 100 to repair, so is it worth getting insurance involved? How much will my insurance go up if I do make a claim? (The other person involved is my neighbour and their car wasn't damaged so they are not bothered either way.) My car insurance is currently 1000 per year""

How do I get car insurance for my 1972 VW Van????

I can get basic coverage for my van but not full coverage. Does anyone know where i can get full coverage for this van. I drive this van more than 12000 miles a year

My Allstate insurance agent wants me to change from Allstate to Allstate Fire and Casualty. Should I? ?

I would be saving money, but I am wondering if there is a catch to this. Anyone else do this? It is my auto insurance, and I'd save money to switch (about $500 every six months. He tells us rates are lower because my credit is good. True?""

How much will my car insurance cover damages to the other car?

I backed into a parked car and apparently broke the tail light and a small dent on the bumper; my car didn't have a scratch. I freaked out and left with out leaving a note. About an hour later I get a phone call from police saying I need to come back to the scene. I came back and told them the story of what happened. The guy I hit agreed not to press charges and the officer agreed not to arrest me for hit and run as long as I provided my info. So I cooperative and provided my insurance info. I'm fully covered. Will my insurance company pay for all the damages to the guy's car or only a portion? So far I've only received a phone call from my insurance company that I have $500 deductible. And I have yet to hear from the guy for repair estimates.

Can I stay on my parents auto insurance policy if I move out?

I am covered under my parents' insurance policy (Ontario), but am planning to move out on my own. I do not own a car but I want to maintain coverage so that I have a good rating when I do decide to get one, and for the rare time I borrow their car. Can I stay on their policy even though I live elsewhere?""

Can you rate these cars on insurance coasts?

I was looking at buying a car. I have selected a few cars that I was interested in buying, but I don't know the coasts of car insurance. Can you give me a price range or tell me terrible, bad, average, good, great. If you can give me a price range that would be great and thanks for the help. The cars are 2005 Nissan 350Z Coupe, 2006 Hyundai Tiburon SE, 2009 Mitsubishi Lancer ES, 2006 Audi a4, 2000 Hyundai Tiburon, 2002 Audi TT, 2004 Mazda RX-8, and 2010 Toyota Corolla.""

Good deals on car insurance?

Ok so me and my wife have been insured by American Family Insurance and pay about $400 a year. My 17 year old son recently got his license and we want to add him to our policy. He barely drives (we only have one car), but we want to add his name just in case. When I asked Amer. Fam. Ins., they gave a quote for almost $1000 a year, which is more than double the amount I'm currently paying!! And that's with the Good Student Discount as well!! I was wondering if any of you guys know a reliable company that could provide a cheaper rate.""

How much would it cost for insurance for a 2001 Lamborghini Diablo? Haven't found anything online.?

Me and my friend were just online looking up Lamborghini prices and was wondering what the insurace would be. Couldn't find anything online that would give a quote. Anyone know where to go or know this?

How Can a 17 Year old Teen Afford Car Insurance?

I am a 17 year old guy working on getting my first car. I was thinking possibly a 2000 Pontiac Sunfire, or a 2006 Saturn Ion. I had looked up a few quotes from Progressive and Esurance, and noticed that the semi-annual price was VERY high, way beyond anything my family could afford. I was wondering If anyone knew of a way that I could possibly afford this. Many of the quotes totaled at $800-$1000 per six months. This is outrageously high, and that was just insurance for an adult I had quoted. Adding a teen onto the insurance would be much more expensive. If anyone has any ideas on what I can do to cheat the system per say, or just find a nice and cheap affordable, reliable insurance company I'd be extremely grateful.""

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

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

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

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

Approx insurance cost for group p6?

ford ka sport 1.6 2004

Why is my Auto Insurance so high?!?

I am 20 years old paying full coverage insurance on a 2011 Nissan Versa that I am making payments on. My Credit is middle of the pack and I've never had a wreck or a ticket. So, can anyone tell me why my insurance is twice as high as anyone I talk to with the same set up?!? My insurance company said that it was strange, but can't find out why it's that high and this is my 2nd insurance company. The previous one charged a little more. I've gotten quotes and they're either close to my monthly currently or are more. I am paying nearly 500 dollars a month... I hope someone out there can help me lower this insurance. Thanks ahead.""

How can i get cheap motorbike insurance? UK?

im 19 years of age just passed my test and my insurance is going up by like 30-40 pound, it should be going down! and then there charging me 50 to change policy! haha 80-90 pound stupid. and im already paying 350 a year for third party!! on a honda 125 vararedo with 1 year no claim bonus!! when people are paying 50-100 a year fully comp!?!?!?!?! i said locked building. got alarms locks data tag!?""

Why does Obama want my health insurance to cost less?

This is wrong. If I work 2 jobs and I get cancer I should be allowed to go into bankruptcy from the medical bills. That's why I support Ted Cruz and Rick Santorum to actually lead this great nation out of affordable socialist health care and into more defense spending. Our brave patriotic men and women overseas deserve more advanced weaponry.

""On average, how much does SR22 insurance cost in Colorado?""

My boyfriend got a DWAI about 3 years ago, he has (finally) decided that he wants to get his licence back, but we aren't sure how much the sr22 insurance usually costs...This was his only driving offense if that matters. Can anyone tell me an average price?""

Can you get car insurance for 1 day?

Im 18 years old and i have 1 years no claims. Is there a company that will insure me on a car for one day?

Car road tax and insurance costs?

Can anyone direct me to a website which will tell me the insurance group or cars. Also one which will tell me how much road tax per year. Looking to buy a car but would like an idea of these costs first. Looking at a Honda Civic se executive... 1600cc... 2003 model.

Could someone give me an estimated price on my insurance?

20 years old 2011 standard v6 camaro

Does anyone know a reliable and affordable car moving company?

I need to transport my car from Wisconsin to California. I would like it to get there safely and not have it break my bank. Has anyone else used a car shipping service that they recommend?

Would you say my insurance is going to right my car off......?

i had a crash the other day where i got hit in the passanger side door and the car then bounced up an fell down on a high curb aon the drivers side. so after everything was sorted out i drove it home. the insurance have said it was my fault anyway. so i have got a fiat punto evo 60 plate, 4500 miles on clock 3 door. it cost me in april 10,995 to buy. So its been in a body shop got an estimate of 5300 to fix it and i have an excess of 1150. The body shop thinks its going to be a right off?? i am just wondering what your veiws are? thanks""

Auto Insurance coverage -- How much Liability and Medical?

I got a couple of questions about about auto insurance coverage. Namely, what's the best amount of liability and medical coverage to select. 1) For the liability, I know it's wise to get the best liability that one can afford to cover your assets. But how about if one also gets umbrella coverage. For example, if one gets an umbrella coverage at a $2 million limit and the liability limit for the auto insuarance is $300,000 or $500,000, does it make sense to select the $500,000 or is it better to select the $300,000 limit since the umbrella coverage would kick in? 2) for medical, is this redundant coverage and not needed because wouldn't the liability portion also cover medical expenses? Or is it wise to get this, for example, if a passenger is not insured (no health insurance), so the medical part would help out in that case? Thanks.""

""Whats a good, less expensive, insurance for a younger driver?""

i'm 19 and have had my liscence since i turned 16, i have a clean driving record and even got a perfect score on my driving test 3 years back. My car's been under my dad's name for the last three years but i plan to move out soon and want to switch the car into my name. does anyone know of a good, less expensive car insurance that would be affordable, and not have high rates just because i'm a younger driver.""

Does Michigan have extra cheap auto insurance?

I keep seeing all these advertisements for Michigan (obviously this only would apply if you live/have lived in Michigan) regarding certain loopholes for cheaper auto insurance.. ??

How do you get car insurance if you don't own a car?

Need to know the type of insurance people get when they don't own a car.

Will my provisional insurance go up after i pass my test?

evening folks, i have my test booked for 3 weeks away, i have been shopping around for car insurance and if i enter that i have a full license then my cheapest quote is over 2000, whereas if i put that i have a provisional then it drops to 1400.. question: if i take out insurance in my name on a provisional will the price go up after i inform them that ive passed?? all answers and opinions welcomed thanks ;)""

Would a 2-door car be more expensive to insure than a 4-door?

I believe 2-door cars are usually considered sports cars, in turn, making them riskier to drive and costing more to insure them. But what if it was a 4-door car that was a sports car? Specifically the Dodge SRT-4. It's a 4-door car, but it's made to be fast. Would this cost the same, or less than the 2-door? This is all assuming the cars are of the same year and everything. 2-door = Dodge Neon coupe 4-door = Dodge SRT-4""

Car insurance problem!!! Please help!!!?

My problem is that I had a car accident last monday, and I just picked the police report. I called the other person insurance (Which is responsible for the accident), and they told me that his policy is suspended because he didn't pay. Basically he was driving without insure. ***My question is what I need to do now??? I have a repair estimate, which is $1,400.""

Car Insurance? Do you really need it?

Say for example the owner of a vehicle allowed you to drive it, and you accidently damaged a car or vice versa, would you have to pay for the damage or would the owners insurance cover the car or an injuries that occur to the driver? thanks""

Which insurance is cheap for 20 years old new drivers in WA Everett.?

Which insurance is cheap for 20 years old new drivers in WA Everett.?

How much would car insurance cost for a 19 year old with a v6 chrysler 300 2012?

Please help me!

I need some affordable insurance that covers if you have a missing tooth please help?

I need some affordable insurance that covers if you have a missing tooth please help?

Stopped for no car insurance but we do have insurance car seized not fair?

11.30pm last night pulled over said no insurance.Did not have insurance document in the car,just the license.Because of the time they seized the car because they could not phone the insurance company.Told them only way i can get proof is bank statement as i was 20 miles from home,but that was still not good enough.I have paid insurance by direct debit for the last 2 years and no problems.so i am well cheesed off this has happened. Have produced the lenience at local station,and shown them documents,they phoned the insurance company and have now give released papers to pick up the car.I am very unhappy with this whole situation and now out of pocket. Is there anyway of claiming the costs from police or insurance company,whoever it is to blame,as there is no way i can be liable for something i am paying for,and to pay 30in taxi fares another 20 to get to the car compound and another 170 to release the car.There must be a way i claim this money back as i feel i am in the right.plus have to fight the 200 fine and 6points also totally unfair and messed up situation this is. I just can't except the inconvenience and the costs that i have to pay when i am legit on the road.surely i can claim if anyone knows""

How much would my car insurance go up from a minor accident?

There is a dent about the size of a soccer ball on the back corner of the car....

Does the Insurance Company notify the DMV @ the time you buy insurance after registering your car?

Heres my question: I registered a car i bought on the 2/16 w/ transfered title to my name and paid the fees, the guy never asked me for insurance information. The next day 2/17 i ...show more""

My husband needs life insurance but has diabeties?

My husband needs life insurance about 50,000 but want payments cheap payments 40.00 monthly. We been trying to find some life insurance but some dont take with diabeties. My husband doesnt take insulin. Hes ranging about 100 to 180 every month on sugar level.. Any ideas on life insurance we should quilified!!!""

Kawasaki ninja zx6r insurance for a 16 year old?

how much would insurance be for a 16 year old on a zx6r? please don't answer telling me it's a bad idea to ride this bike at 16, i simply want a price range. I did a progressive online quote and basic insurance was only $35 a month. does this seem too cheap, or no?""

17 years old and my car insurance is way too high...?

I'm 17 years old and I live in the state of New York. A few months ago I had a little accident with my moms cars. My father said he'll buy me a car if I pay for insurance... but my insurance would be 3600 dollars per year which I won't be able to afford making minimum wage. Is there anyways I could lower the price for insurance? I really need some help thank you!

Where can I get liability insurance for my dog?

I'm working at a pet boutique and I can bring my dog to work -- but my boss is asking that I should get liability insurance for him. He's a mini labradoodle. I already have him covered in my renters insurance - but I don't think that it will cover him for work. Where can I get one??

Riding a motorcycle without licence?

I just bought my first motorcycle today, and I'm enrolled in the msf course but it dosn't start for a few weeks. Can i still ride my bike legally?""

What is a typical range of costs for teen auto insurance?

I have to say - this field is RIPE for a good consumer survey that gives some general ranges of insurance by state or region. Nearly everything online - (correction - EVERYthing) on line links to get quotes from insurers (commercial sites) . Fine, but suppose a kid is in the early stages of learning about cars and parents are new to the kid driver insurance game and they just want to get a feel for ranges of prices based on region, car type, first time driver, male/female, etc. Let's assume a modest new car in the $25,000 new range and a responsible kid with middle income family - good insurance history. The new driver is added to current parent policies. Is the range $1000 to $3000? Or narrower ... $1500 - $2500.""

How is the government going to make insurance premiums more affordable?

I keep hearing how Americans need more affordable health insurance, but I have yet to hear how they are planning to do this or what results we can expect. Does anyone know how they are going to achieve this for us? How much can we expect our premiums to go down as a result of the reform? Do you think it will be more than what we will pay in increased taxes?""

Can you get car insurance for 1 day?

Im 18 years old and i have 1 years no claims. Is there a company that will insure me on a car for one day?

Isn't it really the Insurance companies that hate the Affordable care act?

Isn't it really the Insurance companies that hate the Affordable care act?

How much would the car insurance cost on an 87 Jeep Cherokee?

Trying to get info on what Im looking at insurance wise on the car Im interested in. Its an 87 Jeep Cherokee 4 wheel drive. Completely stock other then that.

How much is car insurance for a new driver that will be driving a used car? in IL?

the car is already payed for, and i will need to be paying for insurance for a 16yr old, how much is it per month/yr?""

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/

How much is the average fine for violation 21461(a) in California?

I was driving today and got pulled over, and given citation 21461(a) for not obeying a Right Turn Only sign. I live in Orange County, CA, and was wondering about how much the fine will be, as well as if my insurance rate will increase. Thanks in advance.""

Why is my car insurance expensive as the year go by?

i got the car in 2009, each year the car insurance keep rising by price.. it was 400, then 600, now its 800... but as the year go by the car is getting older, so why is an older car insurance more expensive? does this have anything to do with the fact that my car has leather seats?""

Does MaineCare Insurance cover full set of braces for teens at 14?

I'm 14 year old girl and I need a full set of braces and I overheard my parents .. I have Mainecare insurance and I was wondering does maine care insurance cover full set of braces?

Do you know of any affordable dentist in San Diego?

We have no insurance and my gf is having a toothache and a cracked tooth. We checked out one Vietnamese dentist and he wanted almost 2000 dollars. My God! That is a lot of money. So, if you know any affordable dentist any where, please let me know. We'll be paying cash. I suggested Tijuana, but she's afraid of going there. Thank you in advance.""

Where can I add my name to health insurance waiting list and what are average waiting times?

In our state we imposed rent controls 10 years ago to help the poor with more affordable housing, and apartments available for rent disappeared from the market for some mysterious reason. I spent 6 years on a waiting list and still my turn never came. To tell you the truth almost all vacancies are filled either through bribes or nepotism. One week ago our Governor imposed price controls on health care insurance premiums to help the poor with more affordable health care, and policies available for purchases disappeared from the market for some mysterious reason.""

Do I need health insurance?

I am a healthy 20 year old male... I have a wife, who is also healthy, that really thinks we should get health insurance... My work offers a decent plan for $300 a month... I think this money could be put to better use... a savings account or something. The problem is of course, emergencies. I've seen plans that cover emergencies but only like 80% and they have a high deductible/monthly payment. Any suggestions/ideas??""

How much will it cost me to insure monthly a Porsche Boxster 2.5 2dr Roadster 1998.?

Saw a very good one, will like to have an idea of how much it'll cost me before i dive in. Thank you.""

Does anyone have car insurance through Wawanesa Insurance?

http://www.wawanesa.com/ I got a quote that is very, very good!! Looking for any feedback, good or bad. Thanks Note: Currently it is only available in California and Oregon (And Canada)""

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

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

Car insurance?

I purchased a car worthy 2000 and I purchased a comprehensive insurance policy. Some of my friend said that we will not claim (1) losing no claim bonus (2) the car compensation only say 500. They suggest me to increase the excess to $1020 in return for the refund of 94. Is it worthwhile?

What's a good auto insurance company that has a good rating?

I have four cars.... no tickets or claims in years.. I have insurance now, but I think I am paying too much. Only one of them is driven on a daily basis..... the others very infrequently.""

How much is an occasional drivers insurance in ontario?

I am 16 i have a g2 i drive and 2003 dodge caravan sxt its my dads how much would it cost to list me as an occasional driver with TD insurance

Estimate the affordable mortgage and the affordable purchase price for the Bergholts? Please help if you can.

Kim and Dan Bergholt are both government workers. They are considering purchasing a home in the Washington D.C. area for about $280,000. They estimate monthly expenses for utilities ...show more""

If the policy holder on car insurance crashes does it affect the named drivers?

I am wanting to get a car and been 19 it will cost a lot , my insurance drops below 1000, if i put my parents as named drivers. I was wondering if the policy holder (me) had a crash would it affect their insurance or is it just the other way around, if they crash as named drivers it will affect the policy holder? As they have no claims discount and i have none , so i can not apply NCD protection ? Thank you :)""

Car insurance question?

my car insurance was due yesterday.. i'm 17 years old and yesterday the difference between my dads car insurance and mine was due and i forgot to pay it.. am i still allowed to drive my parents car? im going to pay it on monday thanks.. let me know

What would have if you just stopped pay your car insurance?

What would have if you just stopped pay your car insurance? I am just curious.

How much will motorcycle insurance cost for me?

I'm 18, i live in austin, texas, and i plan on getting a kawasaki ninja 250 for my first bike""

Car insurance question?

hi, I'm currently 25 years old and will turn 26 on October, my question is will it be cheaper when i buy car insurance on october when i turn 26 or it will be the same from now? I lived in New York City. Thank you for your help""

""Do you have to have car insurance, or does the car you are driving have to be insured?""

If you are driving a car, the car has to be insured, right? What if it is not your car - then it just has to be insured, right? If you have no insurance yourself, it's okay as long as the car is insured... right?""

Finding taxi insurance and licensing in Florida.?

I'm trying to find an insurance provider for my taxi in Pinellas County, Florida and can't seem to find anyone who provides insurance to taxis. I'm also trying to find out where to go for licensing and what type of licenses i need. Does anyone out there have any information that may help?""

Cancel my car insurance?

My car is sitting at a farm on blocks. but l am still paying insurance on it. It's only liability. The car doesn't run. Should l just let it get canceled by not making a payment? don't know when it will be on the road again. perplexed

Can you get car insurance for 1 day?

Im 18 years old and i have 1 years no claims. Is there a company that will insure me on a car for one day?

Will we be covered by insurance when driving to get a new car?

I have bought a new (second hand!) car and will be going to get it today. Not having changed my car before, I have a question. Just before we go to pick up the new car, we will be changing our insurance in town from our old car to the new car. If I change my insurance to the new car, how can I then drive my old car as it will be uninsured? We will need the old car to drive a few miles outside town to get the new car! Is there a special way that this has to be done so that the the old car is still temporarily covered? We will be going to get the new car immediately after sorting the insurance. Please give as much details as possible of what I have to do.""

Where can a Construction company get a cheap insurance and bond?

Hello, I just started a small family construction company ( tile ) and would like to know where you can get a cheap bond from. Our company is in Seattle Washington. Can someone please help me with this. It would be great if it can be as cheap as it gets. we are on a budget. Thanks in advance""

My health insurance paid for medical bills incurred from a car wreck. Can it come after me for reimbursement?

now I have received a settlement from the car insurance. Can the health insurance now collect the money it paid out . If so how long do they have to request the money form me?

Car insurance do i have to tell them ??

am trying to fill in a form for a quote, i was involed in a crash which wasnt my fault, the other person admitted responsability, do i have to declare this as a claim ?? or do i not mention this, am trying to get a quote for this years car insurance Thanks""

Why is my auto insurance so high?

I'm currently buying a 2013 Subaru Impreza Sport Limited, but my insurance quotes are averaging over $600 a month. I'm 19, male, and have two speeding tickets, and I have friends that are paying under $100 a month. Why would it be so high for me?""

Car insurance?

hi last week i reversed into a piller and wrecked the back end off my car after paying 411 to get it fixed my b/f was coming home from work and a van went into the side of him and wrote my car off. we are getting a courtesy car today but apparently i cant drive it until my details have been sent to dvla and they get an ok back b/f reakons it will be a couple of days but i need a car is this right and does any1 know how long it will be cause i havent had a car for nearly 2 wks now and am lost without it. thank you

Pregnant and scared...?

I just found out I'm pregnant, my boyfriend and I are keeping it and we're planning to get married. I'm 24 yrs old, I'm in serious debt (I have not been able to get this problem resolved for the last couple of years and I'm considering bankruptcy), he doesn't have much of a job either....we're going to try our best with that but I have no idea if I should go through with the bankruptcy or if there's any other option for me. Also, (even worse) I don't have insurance at the moment. My work has open enrollment for health coverage in November (I missed it last year cuz I was out of town) so I don't know what to do there, either. And another problem.....I have yet to tell my parents and theyre gonna kill me. How can I approach/tell them? There are no family members I trust that I can talk to about this and this all really sucks but I really want this baby. Any advice? Please refrain from telling me I'm stupid, because I already know that much, and I'm gonna hear it from my parents.""

UK: how does the ncb function for car insurance?

The insurer of my new(ish) car wants a proof of no claim. I already have a insurance on a first car with ncb of 9 years, protected. How come I can't use this ncb for the second car? the cost of insuracne is outrageously expansive if I start again from zero year ncb for the second car... how does this work? why can't I carry on having the ncb for the second car too?""

""Both Canidates say they will make insurance affordable, no #'s are given - what is affordable?""

Both Canidates say they will make insurance affordable, no #'s are given - what is affordable? Some people cant afford $2.00 a week or a month...they are living on nothing. My ...show more""

AAA vs. Farmers for home and auto insurance?

I'm looking to get a combined homeowners and auto insurance policy. Right now, the package that Farmers is offering based on my specs is 10% cheaper than AAA's. Any thoughts? Thanks!""

""I am looking for affordable auto insurance, quote that i get online with AA is confusing, any suggestions?""

I am looking for affordable auto insurance, quote that i get online with AA is confusing, any suggestions?""

""Im thinking about getting a car, car insurance ?""

Im thinking about getting a car I phoned up my insurance company and they said because I have not come to the end of my insurance with the car I got that I would lose my 3 years no claims bonus if I changed over cars also I would have to pay them 50pound to get out of the contract. The only way around it is if I insure the two cars I was shocked with this, I deal with tescos car insurance Is this normal ?""

What Is the average monthly payment on a new 2008 yamaha r1?

And the average insurance price cost for an 18 year old

Cheapest insurance company for new driver?

I just got my license. Im 18. What might be the cheapest insurance company to go through? I dont make much money a month...

""Does your car ins really drop at 25, and how much?""

How much does it typically drop for a woman? If I pay 82 a month now, how much can I expect it will go down? I have nothing on my drivers record, no accidents or tickets, claims, ...show more""

Will my moms car insurance go up with my permit?

i want to get my permit, my mom says no because she said her insurance will go up. she has Geico. i am a Straight A student....how much more money would she have to pay each month? p.s. a number would be great =)""

How much is a female teen's car insurance in Virginia?

I'm trying to get one for my daughter and I was wondering if anyone can give me any heads ups.

Medicate and your own private insurance ?

A friend of mine stated that even If u have insurance (private insurance at that) that u can sign up for emergency Medicare If your insurance only covers a certain amount of your procedure. Is that true? I find that to be nonsense!

""Car insurance question. Help desperately needed, please!?""

Here's the situation. Before I start here, I will say I have never sold a car/transferred insurance in my life until now (I'm 37) and I'm panicking. (Please don't laugh; I am somewhat mentally disabled and have a hard time understanding business side of things). Please bear with me: I have a 2000 Chevrolet Malibu with 178,000 miles on it. Last Friday, my husband's brother decided to give his 2005 Hyundai Elantra (53,000 miles) to us as a free gift. We decided to sell the Malibu to some friends of ours (with whom we have been friends for quite a few years). My friends have already paid us and they have a Bill of Sale and next week we are getting a duplicate of the Chevy title in the mail (because we lost ours), at which time we will transfer. Here is where the confusion begins: My mother-in-law (who is a retired State Farm insurance agent) drew up a Bill of Sale that indicated as its last sentence at the end, Buyer will show proof of liability insurance at the time the car is received (or something like that; I don't have the Bill of Sale in front of me). We saw our friends today to get the Bill of Sale notarized (they already paid for the car; we're just waiting for the title for the Malibu to arrive via mail, as mentioned above). Their insurance agent is about 90 miles away, I find out, and will need pictures of the car. Our friends insist that my mother-in-law is just being a mom since we're new at such a transaction (our friends have owned and sold boats, cars, etc., so they are experienced at this, too), meaning that she's being overcautious by saying they need to present proof of liability insurance at the exact time I give them the keys to the car. So, once I give them the title and the keys, are they responsible for when they get the car insurance? My Hyundai is covered through my insurance agent (my mother-in-law called them and got coverage on it already), but she insists that I am not to get insurance verification on the Hyundai until the friends show proof of their insurance on the Malibu after they get possession of it. Is that correct, or is my mother-in-law just being overcautious? (I would think that once I switch the Malibu title to my friends' name and give them the keys, that would relieve me of any responsibility any longer to the Malibu). Help me, please. I am so confused; I have my mother-in-law telling me one thing, and my friends telling me another. Both sound correct. So would I be right if I did these (in this exact order): 1) switch the title over to their name & give them the keys to the Malibu. 2) call my insurance agent and report that I sold my Malibu, and ask them to type insurance vertification for the Hyundai. (would I have to be present in person for them to type the verification for the Hyundai? Also, would my report of me selling the Malibu mean that they would cancel the insurance on it immediately?) I am sorry this is so lengthy; I tried to explain this the best as I could. I just want to do what is correct in the eyes of the law.""

How much does it cost to insure a Ford Mustang?

Now for my first car I really wanted a Ford and the only one I like is the mustang. I know that they are sports cars so the insurance is high but I would like to know exactly how much it would cost for insurance especially since it would be my first car.

""Car insurance, do you have to be insured to drive another person car?""

My boyfriend sister wants to borrow my car for 6 weeks and there is no insurance on it. But if I was to insure it for myself, would his sister be able to insure but she has no insurance on any car. Does she have to be insured on another car for her to use mine. Hope that makes sense.""

Buying car and insurance without driver id in ohio?

hey...i found a very good car deal and i don't wanna miss this car but i just came to usa and i don't have a ohio driver id...(i got my own country's driver id) i have scheduled my driving test for next week but i want to buy this car this week for sure...can i buy the car from owner without driver id ? and if ican buy the car can i buy insurance for this car without driver id ?

Wondering about maternity insurance?

okay I dont have maternity insurance. My insurance will only cover me if I have complications. Is this what most people have? or do you have an insurance that covers maternity? I am asking because we are trying to have a child and I am losing my mond trying to find a good insurance co. What and whom do you recommend and why? and say I got the insurance in a month for maternity coverage will it cover me right away if I get pregnant in 2 months or etc or do I have to wait a full year to have the insurance and than be covered? Cause thats what I have been hearing.. ANY help would be great!!! thanks!!! ttc#1 on 8th month trying!!!

Auto insurance for drivers with little/no credit history?

While shopping for car insurance, I usually use a fake name/address with all my real information (DOB, driving record, etc) just so I don't get a bunch of annoying calls/emails from every company I get a quote from. The fake email address I always use got an email the other day, which basically said that when they ran a credit check they consumer reporting agency couldn't provide a full credit history (not surprising seeing as they were checking on a name that doesn't exist). The thing that concerns me is that being only 19, I also don't have much of a credit history (the only credit I do currently have is a card I got a month ago). I couldn't really tell from the email (since I didn't read it too closely, I was really just clearing out the fake inbox) but I'm not sure if they were saying We couldn't get a credit history on you, if we had been able to, the rate you were quoted could have been lower or something more drastic like because we couldn't find a credit history, the quote we gave is no longer valid and either they won't cover me or will charge way more. I'm concerned because the email came several days after I got the quote. When I decide which company to use, and I get a quote with my real name/contact info and buy it right way online, am I going to get an email in a few days saying the because of my lack of credit they either want more money or are cancelling my policy?""

Does anyone know anything about car insurance or adding a car?

So im 18. I have car insurance with my mom and at country financial insurance. I am tryin to add a car that i have on the policy. But am i able to add if im 18 and the only one on the car title? I thought yes since im 18, but need another opinion.""

Can you get car insurance for 1 day?

Im 18 years old and i have 1 years no claims. Is there a company that will insure me on a car for one day?

https://www.linkedin.com/pulse/fuel-economy-average-insurance-prices-mitsubishi-3000gt-marta-grim"

[shg11]

A lecture explaining why using our imaginations, and providing for others to use theirs, is an obligation for all citizens

Its important for people to tell you what side they are on and why, and whether they might be biased. A declaration of members interests, of a sort. So, I am going to be talking to you about reading. Im going to tell you that libraries are important. Im going to suggest that reading fiction, that reading for pleasure, is one of the most important things one can do. Im going to make an impassioned plea for people to understand what libraries and librarians are, and to preserve both of these things.

And I am biased, obviously and enormously: Im an author, often an author of fiction. I write for children and for adults. For about 30 years I have been earning my living through my words, mostly by making things up and writing them down. It is obviously in my interest for people to read, for them to read fiction, for libraries and librarians to exist and help foster a love of reading and places in which reading can occur.

So Im biased as a writer. But I am much, much more biased as a reader. And I am even more biased as a British citizen.

And Im here giving this talk tonight, under the auspices of the Reading Agency: a charity whose mission is to give everyone an equal chance in life by helping people become confident and enthusiastic readers. Which supports literacy programs, and libraries and individuals and nakedly and wantonly encourages the act of reading. Because, they tell us, everything changes when we read.

And its that change, and that act of reading that Im here to talk about tonight. I want to talk about what reading does. What its good for.

I was once in New York, and I listened to a talk about the building of private prisons a huge growth industry in America. The prison industry needs to plan its future growth how many cells are they going to need? How many prisoners are there going to be, 15 years from now? And they found they could predict it very easily, using a pretty simple algorithm, based on asking what percentage of 10 and 11-year-olds couldnt read. And certainly couldnt read for pleasure.

Its not one to one: you cant say that a literate society has no criminality. But there are very real correlations.

And I think some of those correlations, the simplest, come from something very simple. Literate people read fiction.

Fiction has two uses. Firstly, its a gateway drug to reading. The drive to know what happens next, to want to turn the page, the need to keep going, even if its hard, because someones in trouble and you have to know how its all going to end thats a very real drive. And it forces you to learn new words, to think new thoughts, to keep going. To discover that reading per se is pleasurable. Once you learn that, youre on the road to reading everything. And reading is key. There were noises made briefly, a few years ago, about the idea that we were living in a post-literate world, in which the ability to make sense out of written words was somehow redundant, but those days are gone: words are more important than they ever were: we navigate the world with words, and as the world slips onto the web, we need to follow, to communicate and to comprehend what we are reading. People who cannot understand each other cannot exchange ideas, cannot communicate, and translation programs only go so far.

The simplest way to make sure that we raise literate children is to teach them to read, and to show them that reading is a pleasurable activity. And that means, at its simplest, finding books that they enjoy, giving them access to those books, and letting them read them.

I dont think there is such a thing as a bad book for children. Every now and again it becomes fashionable among some adults to point at a subset of childrens books, a genre, perhaps, or an author, and to declare them bad books, books that children should be stopped from reading. Ive seen it happen over and over; Enid Blyton was declared a bad author, so was RL Stine, so were dozens of others. Comics have been decried as fostering illiteracy.

No such thing as a bad writer... Enid Blytons Famous Five. Photograph: Greg Balfour Evans/Alamy

Its tosh. Its snobbery and its foolishness. There are no bad authors for children, that children like and want to read and seek out, because every child is different. They can find the stories they need to, and they bring themselves to stories. A hackneyed, worn-out idea isnt hackneyed and worn out to them. This is the first time the child has encountered it. Do not discourage children from reading because you feel they are reading the wrong thing. Fiction you do not like is a route to other books you may prefer. And not everyone has the same taste as you.

Well-meaning adults can easily destroy a childs love of reading: stop them reading what they enjoy, or give them worthy-but-dull books that you like, the 21st-century equivalents of Victorian improving literature. Youll wind up with a generation convinced that reading is uncool and worse, unpleasant.

We need our children to get onto the reading ladder: anything that they enjoy reading will move them up, rung by rung, into literacy. (Also, do not do what this author did when his 11-year-old daughter was into RL Stine, which is to go and get a copy of Stephen Kings Carrie, saying if you liked those youll love this! Holly read nothing but safe stories of settlers on prairies for the rest of her teenage years, and still glares at me when Stephen Kings name is mentioned.)

And the second thing fiction does is to build empathy. When you watch TV or see a film, you are looking at things happening to other people. Prose fiction is something you build up from 26 letters and a handful of punctuation marks, and you, and you alone, using your imagination, create a world and people it and look out through other eyes. You get to feel things, visit places and worlds you would never otherwise know. You learn that everyone else out there is a me, as well. Youre being someone else, and when you return to your own world, youre going to be slightly changed.

Empathy is a tool for building people into groups, for allowing us to function as more than self-obsessed individuals.

Youre also finding out something as you read vitally important for making your way in the world. And its this:

The world doesnt have to be like this. Things can be different.

I was in China in 2007, at the first party-approved science fiction and fantasy convention in Chinese history. And at one point I took a top official aside and asked him Why? SF had been disapproved of for a long time. What had changed?

Its simple, he told me. The Chinese were brilliant at making things if other people brought them the plans. But they did not innovate and they did not invent. They did not imagine. So they sent a delegation to the US, to Apple, to Microsoft, to Google, and they asked the people there who were inventing the future about themselves. And they found that all of them had read science fiction when they were boys or girls.

Fiction can show you a different world. It can take you somewhere youve never been. Once youve visited other worlds, like those who ate fairy fruit, you can never be entirely content with the world that you grew up in. Discontent is a good thing: discontented people can modify and improve their worlds, leave them better, leave them different.

And while were on the subject, Id like to say a few words about escapism. I hear the term bandied about as if its a bad thing. As if escapist fiction is a cheap opiate used by the muddled and the foolish and the deluded, and the only fiction that is worthy, for adults or for children, is mimetic fiction, mirroring the worst of the world the reader finds herself in.

If you were trapped in an impossible situation, in an unpleasant place, with people who meant you ill, and someone offered you a temporary escape, why wouldnt you take it? And escapist fiction is just that: fiction that opens a door, shows the sunlight outside, gives you a place to go where you are in control, are with people you want to be with(and books are real places, make no mistake about that); and more importantly, during your escape, books can also give you knowledge about the world and your predicament, give you weapons, give you armour: real things you can take back into your prison. Skills and knowledge and tools you can use to escape for real.

As JRR Tolkien reminded us, the only people who inveigh against escape are jailers.

Tolkiens illustration of Bilbos home, Bag End. Photograph: HarperCollins

Another way to destroy a childs love of reading, of course, is to make sure there are no books of any kind around. And to give them nowhere to read those books. I was lucky. I had an excellent local library growing up. I had the kind of parents who could be persuaded to drop me off in the library on their way to work in summer holidays, and the kind of librarians who did not mind a small, unaccompanied boy heading back into the childrens library every morning and working his way through the card catalogue, looking for books with ghosts or magic or rockets in them, looking for vampires or detectives or witches or wonders. And when I had finished reading the childrens library I began on the adult books.

They were good librarians. They liked books and they liked the books being read. They taught me how to order books from other libraries on inter-library loans. They had no snobbery about anything I read. They just seemed to like that there was this wide-eyed little boy who loved to read, and would talk to me about the books I was reading, they would find me other books in a series, they would help. They treated me as another reader nothing less or more which meant they treated me with respect. I was not used to being treated with respect as an eight-year-old.

But libraries are about freedom. Freedom to read, freedom of ideas, freedom of communication. They are about education (which is not a process that finishes the day we leave school or university), about entertainment, about making safe spaces, and about access to information.

I worry that here in the 21st century people misunderstand what libraries are and the purpose of them. If you perceive a library as a shelf of books, it may seem antiquated or outdated in a world in which most, but not all, books in print exist digitally. But that is to miss the point fundamentally.

I think it has to do with nature of information. Information has value, and the right information has enormous value. For all of human history, we have lived in a time of information scarcity, and having the needed information was always important, and always worth something: when to plant crops, where to find things, maps and histories and stories they were always good for a meal and company. Information was a valuable thing, and those who had it or could obtain it could charge for that service.

In the last few years, weve moved from an information-scarce economy to one driven by an information glut. According to Eric Schmidt of Google, every two days now the human race creates as much information as we did from the dawn of civilisation until 2003. Thats about five exobytes of data a day, for those of you keeping score. The challenge becomes, not finding that scarce plant growing in the desert, but finding a specific plant growing in a jungle. We are going to need help navigating that information to find the thing we actually need.

Photograph: Alamy

Libraries are places that people go to for information. Books are only the tip of the information iceberg: they are there, and libraries can provide you freely and legally with books. More children are borrowing books from libraries than ever before books of all kinds: paper and digital and audio. But libraries are also, for example, places that people, who may not have computers, who may not have internet connections, can go online without paying anything: hugely important when the way you find out about jobs, apply for jobs or apply for benefits is increasingly migrating exclusively online. Librarians can help these people navigate that world.

I do not believe that all books will or should migrate onto screens: as Douglas Adams once pointed out to me, more than 20 years before the Kindle turned up, a physical book is like a shark. Sharks are old: there were sharks in the ocean before the dinosaurs. And the reason there are still sharks around is that sharks are better at being sharks than anything else is. Physical books are tough, hard to destroy, bath-resistant, solar-operated, feel good in your hand: they are good at being books, and there will always be a place for them. They belong in libraries, just as libraries have already become places you can go to get access to ebooks, and audiobooks and DVDs and web content.

A library is a place that is a repository of information and gives every citizen equal access to it. That includes health information. And mental health information. Its a community space. Its a place of safety, a haven from the world. Its a place with librarians in it. What the libraries of the future will be like is something we should be imagining now.

Literacy is more important than ever it was, in this world of text and email, a world of written information. We need to read and write, we need global citizens who can read comfortably, comprehend what they are reading, understand nuance, and make themselves understood.

Libraries really are the gates to the future. So it is unfortunate that, round the world, we observe local authorities seizing the opportunity to close libraries as an easy way to save money, without realising that they are stealing from the future to pay for today. They are closing the gates that should be open.

According to a recent study by the Organisation for Economic Cooperation and Development, England is the only country where the oldest age group has higher proficiency in both literacy and numeracy than the youngest group, after other factors, such as gender, socio-economic backgrounds and type of occupations are taken into account.

Or to put it another way, our children and our grandchildren are less literate and less numerate than we are. They are less able to navigate the world, to understand it to solve problems. They can be more easily lied to and misled, will be less able to change the world in which they find themselves, be less employable. All of these things. And as a country, England will fall behind other developed nations because it will lack a skilled workforce.

Books are the way that we communicate with the dead. The way that we learn lessons from those who are no longer with us, that humanity has built on itself, progressed, made knowledge incremental rather than something that has to be relearned, over and over. There are tales that are older than most countries, tales that have long outlasted the cultures and the buildings in which they were first told.

I think we have responsibilities to the future. Responsibilities and obligations to children, to the adults those children will become, to the world they will find themselves inhabiting. All of us as readers, as writers, as citizens have obligations. I thought Id try and spell out some of these obligations here.

I believe we have an obligation to read for pleasure, in private and in public places. If we read for pleasure, if others see us reading, then we learn, we exercise our imaginations. We show others that reading is a good thing.

We have an obligation to support libraries. To use libraries, to encourage others to use libraries, to protest the closure of libraries. If you do not value libraries then you do not value information or culture or wisdom. You are silencing the voices of the past and you are damaging the future.

We have an obligation to read aloud to our children. To read them things they enjoy. To read to them stories we are already tired of. To do the voices, to make it interesting, and not to stop reading to them just because they learn to read to themselves. Use reading-aloud time as bonding time, as time when no phones are being checked, when the distractions of the world are put aside.

We have an obligation to use the language. To push ourselves: to find out what words mean and how to deploy them, to communicate clearly, to say what we mean. We must not to attempt to freeze language, or to pretend it is a dead thing that must be revered, but we should use it as a living thing, that flows, that borrows words, that allows meanings and pronunciations to change with time.

We writers and especially writers for children, but all writers have an obligation to our readers: its the obligation to write true things, especially important when we are creating tales of people who do not exist in places that never were to understand that truth is not in what happens but what it tells us about who we are. Fiction is the lie that tells the truth, after all. We have an obligation not to bore our readers, but to make them need to turn the pages. One of the best cures for a reluctant reader, after all, is a tale they cannot stop themselves from reading. And while we must tell our readers true things and give them weapons and give them armour and pass on whatever wisdom we have gleaned from our short stay on this green world, we have an obligation not to preach, not to lecture, not to force predigested morals and messages down our readers throats like adult birds feeding their babies pre-masticated maggots; and we have an obligation never, ever, under any circumstances, to write anything for children that we would not want to read ourselves.

We have an obligation to understand and to acknowledge that as writers for children we are doing important work, because if we mess it up and write dull books that turn children away from reading and from books, we ve lessened our own future and diminished theirs.

We all adults and children, writers and readers have an obligation to daydream. We have an obligation to imagine. It is easy to pretend that nobody can change anything, that we are in a world in which society is huge and the individual is less than nothing: an atom in a wall, a grain of rice in a rice field. But the truth is, individuals change their world over and over, individuals make the future, and they do it by imagining that things can be different.

Look around you: I mean it. Pause, for a moment and look around the room that you are in. Im going to point out something so obvious that it tends to be forgotten. Its this: that everything you can see, including the walls, was, at some point, imagined. Someone decided it was easier to sit on a chair than on the ground and imagined the chair. Someone had to imagine a way that I could talk to you in London right now without us all getting rained on.This room and the things in it, and all the other things in this building, this city, exist because, over and over and over, people imagined things.

We have an obligation to make things beautiful. Not to leave the world uglier than we found it, not to empty the oceans, not to leave our problems for the next generation. We have an obligation to clean up after ourselves, and not leave our children with a world weve shortsightedly messed up, shortchanged, and crippled.

We have an obligation to tell our politicians what we want, to vote against politicians of whatever party who do not understand the value of reading in creating worthwhile citizens, who do not want to act to preserve and protect knowledge and encourage literacy. This is not a matter of party politics. This is a matter of common humanity.

Albert Einstein was asked once how we could make our children intelligent. His reply was both simple and wise. If you want your children to be intelligent, he said, read them fairy tales. If you want them to be more intelligent, read them more fairy tales. He understood the value of reading, and of imagining. I hope we can give our children a world in which they will read, and be read to, and imagine, and understand.

This is an edited version of Neil Gaimans lecture for the Reading Agency, delivered on Monday October 14 at the Barbican in London. The Reading Agencys annual lecture series was initiated in 2012 as a platform for leading writers and thinkers to share original, challenging ideas about reading and libraries.

Read more: https://www.theguardian.com/books/2013/oct/15/neil-gaiman-future-libraries-reading-daydreaming

[trendingnewsb]

Neil Gaiman: Why our future depends on libraries, reading and daydreaming

A lecture explaining why using our imaginations, and providing for others to use theirs, is an obligation for all citizens

Its important for people to tell you what side they are on and why, and whether they might be biased. A declaration of members interests, of a sort. So, I am going to be talking to you about reading. Im going to tell you that libraries are important. Im going to suggest that reading fiction, that reading for pleasure, is one of the most important things one can do. Im going to make an impassioned plea for people to understand what libraries and librarians are, and to preserve both of these things.

And I am biased, obviously and enormously: Im an author, often an author of fiction. I write for children and for adults. For about 30 years I have been earning my living through my words, mostly by making things up and writing them down. It is obviously in my interest for people to read, for them to read fiction, for libraries and librarians to exist and help foster a love of reading and places in which reading can occur.

So Im biased as a writer. But I am much, much more biased as a reader. And I am even more biased as a British citizen.

And Im here giving this talk tonight, under the auspices of the Reading Agency: a charity whose mission is to give everyone an equal chance in life by helping people become confident and enthusiastic readers. Which supports literacy programs, and libraries and individuals and nakedly and wantonly encourages the act of reading. Because, they tell us, everything changes when we read.

And its that change, and that act of reading that Im here to talk about tonight. I want to talk about what reading does. What its good for.

I was once in New York, and I listened to a talk about the building of private prisons a huge growth industry in America. The prison industry needs to plan its future growth how many cells are they going to need? How many prisoners are there going to be, 15 years from now? And they found they could predict it very easily, using a pretty simple algorithm, based on asking what percentage of 10 and 11-year-olds couldnt read. And certainly couldnt read for pleasure.

Its not one to one: you cant say that a literate society has no criminality. But there are very real correlations.

And I think some of those correlations, the simplest, come from something very simple. Literate people read fiction.

Fiction has two uses. Firstly, its a gateway drug to reading. The drive to know what happens next, to want to turn the page, the need to keep going, even if its hard, because someones in trouble and you have to know how its all going to end thats a very real drive. And it forces you to learn new words, to think new thoughts, to keep going. To discover that reading per se is pleasurable. Once you learn that, youre on the road to reading everything. And reading is key. There were noises made briefly, a few years ago, about the idea that we were living in a post-literate world, in which the ability to make sense out of written words was somehow redundant, but those days are gone: words are more important than they ever were: we navigate the world with words, and as the world slips onto the web, we need to follow, to communicate and to comprehend what we are reading. People who cannot understand each other cannot exchange ideas, cannot communicate, and translation programs only go so far.

The simplest way to make sure that we raise literate children is to teach them to read, and to show them that reading is a pleasurable activity. And that means, at its simplest, finding books that they enjoy, giving them access to those books, and letting them read them.

I dont think there is such a thing as a bad book for children. Every now and again it becomes fashionable among some adults to point at a subset of childrens books, a genre, perhaps, or an author, and to declare them bad books, books that children should be stopped from reading. Ive seen it happen over and over; Enid Blyton was declared a bad author, so was RL Stine, so were dozens of others. Comics have been decried as fostering illiteracy.

No such thing as a bad writer… Enid Blytons Famous Five. Photograph: Greg Balfour Evans/Alamy

Its tosh. Its snobbery and its foolishness. There are no bad authors for children, that children like and want to read and seek out, because every child is different. They can find the stories they need to, and they bring themselves to stories. A hackneyed, worn-out idea isnt hackneyed and worn out to them. This is the first time the child has encountered it. Do not discourage children from reading because you feel they are reading the wrong thing. Fiction you do not like is a route to other books you may prefer. And not everyone has the same taste as you.

Well-meaning adults can easily destroy a childs love of reading: stop them reading what they enjoy, or give them worthy-but-dull books that you like, the 21st-century equivalents of Victorian improving literature. Youll wind up with a generation convinced that reading is uncool and worse, unpleasant.

We need our children to get onto the reading ladder: anything that they enjoy reading will move them up, rung by rung, into literacy. (Also, do not do what this author did when his 11-year-old daughter was into RL Stine, which is to go and get a copy of Stephen Kings Carrie, saying if you liked those youll love this! Holly read nothing but safe stories of settlers on prairies for the rest of her teenage years, and still glares at me when Stephen Kings name is mentioned.)

And the second thing fiction does is to build empathy. When you watch TV or see a film, you are looking at things happening to other people. Prose fiction is something you build up from 26 letters and a handful of punctuation marks, and you, and you alone, using your imagination, create a world and people it and look out through other eyes. You get to feel things, visit places and worlds you would never otherwise know. You learn that everyone else out there is a me, as well. Youre being someone else, and when you return to your own world, youre going to be slightly changed.

Empathy is a tool for building people into groups, for allowing us to function as more than self-obsessed individuals.

Youre also finding out something as you read vitally important for making your way in the world. And its this:

The world doesnt have to be like this. Things can be different.

I was in China in 2007, at the first party-approved science fiction and fantasy convention in Chinese history. And at one point I took a top official aside and asked him Why? SF had been disapproved of for a long time. What had changed?

Its simple, he told me. The Chinese were brilliant at making things if other people brought them the plans. But they did not innovate and they did not invent. They did not imagine. So they sent a delegation to the US, to Apple, to Microsoft, to Google, and they asked the people there who were inventing the future about themselves. And they found that all of them had read science fiction when they were boys or girls.

Fiction can show you a different world. It can take you somewhere youve never been. Once youve visited other worlds, like those who ate fairy fruit, you can never be entirely content with the world that you grew up in. Discontent is a good thing: discontented people can modify and improve their worlds, leave them better, leave them different.

And while were on the subject, Id like to say a few words about escapism. I hear the term bandied about as if its a bad thing. As if escapist fiction is a cheap opiate used by the muddled and the foolish and the deluded, and the only fiction that is worthy, for adults or for children, is mimetic fiction, mirroring the worst of the world the reader finds herself in.

If you were trapped in an impossible situation, in an unpleasant place, with people who meant you ill, and someone offered you a temporary escape, why wouldnt you take it? And escapist fiction is just that: fiction that opens a door, shows the sunlight outside, gives you a place to go where you are in control, are with people you want to be with(and books are real places, make no mistake about that); and more importantly, during your escape, books can also give you knowledge about the world and your predicament, give you weapons, give you armour: real things you can take back into your prison. Skills and knowledge and tools you can use to escape for real.

As JRR Tolkien reminded us, the only people who inveigh against escape are jailers.

Tolkiens illustration of Bilbos home, Bag End. Photograph: HarperCollins

Another way to destroy a childs love of reading, of course, is to make sure there are no books of any kind around. And to give them nowhere to read those books. I was lucky. I had an excellent local library growing up. I had the kind of parents who could be persuaded to drop me off in the library on their way to work in summer holidays, and the kind of librarians who did not mind a small, unaccompanied boy heading back into the childrens library every morning and working his way through the card catalogue, looking for books with ghosts or magic or rockets in them, looking for vampires or detectives or witches or wonders. And when I had finished reading the childrens library I began on the adult books.

They were good librarians. They liked books and they liked the books being read. They taught me how to order books from other libraries on inter-library loans. They had no snobbery about anything I read. They just seemed to like that there was this wide-eyed little boy who loved to read, and would talk to me about the books I was reading, they would find me other books in a series, they would help. They treated me as another reader nothing less or more which meant they treated me with respect. I was not used to being treated with respect as an eight-year-old.

But libraries are about freedom. Freedom to read, freedom of ideas, freedom of communication. They are about education (which is not a process that finishes the day we leave school or university), about entertainment, about making safe spaces, and about access to information.

I worry that here in the 21st century people misunderstand what libraries are and the purpose of them. If you perceive a library as a shelf of books, it may seem antiquated or outdated in a world in which most, but not all, books in print exist digitally. But that is to miss the point fundamentally.

I think it has to do with nature of information. Information has value, and the right information has enormous value. For all of human history, we have lived in a time of information scarcity, and having the needed information was always important, and always worth something: when to plant crops, where to find things, maps and histories and stories they were always good for a meal and company. Information was a valuable thing, and those who had it or could obtain it could charge for that service.

In the last few years, weve moved from an information-scarce economy to one driven by an information glut. According to Eric Schmidt of Google, every two days now the human race creates as much information as we did from the dawn of civilisation until 2003. Thats about five exobytes of data a day, for those of you keeping score. The challenge becomes, not finding that scarce plant growing in the desert, but finding a specific plant growing in a jungle. We are going to need help navigating that information to find the thing we actually need.

Photograph: Alamy

Libraries are places that people go to for information. Books are only the tip of the information iceberg: they are there, and libraries can provide you freely and legally with books. More children are borrowing books from libraries than ever before books of all kinds: paper and digital and audio. But libraries are also, for example, places that people, who may not have computers, who may not have internet connections, can go online without paying anything: hugely important when the way you find out about jobs, apply for jobs or apply for benefits is increasingly migrating exclusively online. Librarians can help these people navigate that world.

I do not believe that all books will or should migrate onto screens: as Douglas Adams once pointed out to me, more than 20 years before the Kindle turned up, a physical book is like a shark. Sharks are old: there were sharks in the ocean before the dinosaurs. And the reason there are still sharks around is that sharks are better at being sharks than anything else is. Physical books are tough, hard to destroy, bath-resistant, solar-operated, feel good in your hand: they are good at being books, and there will always be a place for them. They belong in libraries, just as libraries have already become places you can go to get access to ebooks, and audiobooks and DVDs and web content.

A library is a place that is a repository of information and gives every citizen equal access to it. That includes health information. And mental health information. Its a community space. Its a place of safety, a haven from the world. Its a place with librarians in it. What the libraries of the future will be like is something we should be imagining now.

Literacy is more important than ever it was, in this world of text and email, a world of written information. We need to read and write, we need global citizens who can read comfortably, comprehend what they are reading, understand nuance, and make themselves understood.

Libraries really are the gates to the future. So it is unfortunate that, round the world, we observe local authorities seizing the opportunity to close libraries as an easy way to save money, without realising that they are stealing from the future to pay for today. They are closing the gates that should be open.

According to a recent study by the Organisation for Economic Cooperation and Development, England is the only country where the oldest age group has higher proficiency in both literacy and numeracy than the youngest group, after other factors, such as gender, socio-economic backgrounds and type of occupations are taken into account.

Or to put it another way, our children and our grandchildren are less literate and less numerate than we are. They are less able to navigate the world, to understand it to solve problems. They can be more easily lied to and misled, will be less able to change the world in which they find themselves, be less employable. All of these things. And as a country, England will fall behind other developed nations because it will lack a skilled workforce.

Books are the way that we communicate with the dead. The way that we learn lessons from those who are no longer with us, that humanity has built on itself, progressed, made knowledge incremental rather than something that has to be relearned, over and over. There are tales that are older than most countries, tales that have long outlasted the cultures and the buildings in which they were first told.

I think we have responsibilities to the future. Responsibilities and obligations to children, to the adults those children will become, to the world they will find themselves inhabiting. All of us as readers, as writers, as citizens have obligations. I thought Id try and spell out some of these obligations here.

I believe we have an obligation to read for pleasure, in private and in public places. If we read for pleasure, if others see us reading, then we learn, we exercise our imaginations. We show others that reading is a good thing.

We have an obligation to support libraries. To use libraries, to encourage others to use libraries, to protest the closure of libraries. If you do not value libraries then you do not value information or culture or wisdom. You are silencing the voices of the past and you are damaging the future.

We have an obligation to read aloud to our children. To read them things they enjoy. To read to them stories we are already tired of. To do the voices, to make it interesting, and not to stop reading to them just because they learn to read to themselves. Use reading-aloud time as bonding time, as time when no phones are being checked, when the distractions of the world are put aside.

We have an obligation to use the language. To push ourselves: to find out what words mean and how to deploy them, to communicate clearly, to say what we mean. We must not to attempt to freeze language, or to pretend it is a dead thing that must be revered, but we should use it as a living thing, that flows, that borrows words, that allows meanings and pronunciations to change with time.

We writers and especially writers for children, but all writers have an obligation to our readers: its the obligation to write true things, especially important when we are creating tales of people who do not exist in places that never were to understand that truth is not in what happens but what it tells us about who we are. Fiction is the lie that tells the truth, after all. We have an obligation not to bore our readers, but to make them need to turn the pages. One of the best cures for a reluctant reader, after all, is a tale they cannot stop themselves from reading. And while we must tell our readers true things and give them weapons and give them armour and pass on whatever wisdom we have gleaned from our short stay on this green world, we have an obligation not to preach, not to lecture, not to force predigested morals and messages down our readers throats like adult birds feeding their babies pre-masticated maggots; and we have an obligation never, ever, under any circumstances, to write anything for children that we would not want to read ourselves.

We have an obligation to understand and to acknowledge that as writers for children we are doing important work, because if we mess it up and write dull books that turn children away from reading and from books, we ve lessened our own future and diminished theirs.

We all adults and children, writers and readers have an obligation to daydream. We have an obligation to imagine. It is easy to pretend that nobody can change anything, that we are in a world in which society is huge and the individual is less than nothing: an atom in a wall, a grain of rice in a rice field. But the truth is, individuals change their world over and over, individuals make the future, and they do it by imagining that things can be different.

Look around you: I mean it. Pause, for a moment and look around the room that you are in. Im going to point out something so obvious that it tends to be forgotten. Its this: that everything you can see, including the walls, was, at some point, imagined. Someone decided it was easier to sit on a chair than on the ground and imagined the chair. Someone had to imagine a way that I could talk to you in London right now without us all getting rained on.This room and the things in it, and all the other things in this building, this city, exist because, over and over and over, people imagined things.

We have an obligation to make things beautiful. Not to leave the world uglier than we found it, not to empty the oceans, not to leave our problems for the next generation. We have an obligation to clean up after ourselves, and not leave our children with a world weve shortsightedly messed up, shortchanged, and crippled.

We have an obligation to tell our politicians what we want, to vote against politicians of whatever party who do not understand the value of reading in creating worthwhile citizens, who do not want to act to preserve and protect knowledge and encourage literacy. This is not a matter of party politics. This is a matter of common humanity.

Albert Einstein was asked once how we could make our children intelligent. His reply was both simple and wise. If you want your children to be intelligent, he said, read them fairy tales. If you want them to be more intelligent, read them more fairy tales. He understood the value of reading, and of imagining. I hope we can give our children a world in which they will read, and be read to, and imagine, and understand.

This is an edited version of Neil Gaimans lecture for the Reading Agency, delivered on Monday October 14 at the Barbican in London. The Reading Agencys annual lecture series was initiated in 2012 as a platform for leading writers and thinkers to share original, challenging ideas about reading and libraries.

Read more: http://ift.tt/1XBVCqY

from Viral News HQ http://ift.tt/2fHEi5i via Viral News HQ

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Neil Gaiman: Why our future depends on libraries, reading and daydreaming

A lecture explaining why using our imaginations, and providing for others to use theirs, is an obligation for all citizens

Its important for people to tell you what side they are on and why, and whether they might be biased. A declaration of members interests, of a sort. So, I am going to be talking to you about reading. Im going to tell you that libraries are important. Im going to suggest that reading fiction, that reading for pleasure, is one of the most important things one can do. Im going to make an impassioned plea for people to understand what libraries and librarians are, and to preserve both of these things.

And I am biased, obviously and enormously: Im an author, often an author of fiction. I write for children and for adults. For about 30 years I have been earning my living through my words, mostly by making things up and writing them down. It is obviously in my interest for people to read, for them to read fiction, for libraries and librarians to exist and help foster a love of reading and places in which reading can occur.

So Im biased as a writer. But I am much, much more biased as a reader. And I am even more biased as a British citizen.

And Im here giving this talk tonight, under the auspices of the Reading Agency: a charity whose mission is to give everyone an equal chance in life by helping people become confident and enthusiastic readers. Which supports literacy programs, and libraries and individuals and nakedly and wantonly encourages the act of reading. Because, they tell us, everything changes when we read.

And its that change, and that act of reading that Im here to talk about tonight. I want to talk about what reading does. What its good for.

I was once in New York, and I listened to a talk about the building of private prisons a huge growth industry in America. The prison industry needs to plan its future growth how many cells are they going to need? How many prisoners are there going to be, 15 years from now? And they found they could predict it very easily, using a pretty simple algorithm, based on asking what percentage of 10 and 11-year-olds couldnt read. And certainly couldnt read for pleasure.

Its not one to one: you cant say that a literate society has no criminality. But there are very real correlations.

And I think some of those correlations, the simplest, come from something very simple. Literate people read fiction.

Fiction has two uses. Firstly, its a gateway drug to reading. The drive to know what happens next, to want to turn the page, the need to keep going, even if its hard, because someones in trouble and you have to know how its all going to end thats a very real drive. And it forces you to learn new words, to think new thoughts, to keep going. To discover that reading per se is pleasurable. Once you learn that, youre on the road to reading everything. And reading is key. There were noises made briefly, a few years ago, about the idea that we were living in a post-literate world, in which the ability to make sense out of written words was somehow redundant, but those days are gone: words are more important than they ever were: we navigate the world with words, and as the world slips onto the web, we need to follow, to communicate and to comprehend what we are reading. People who cannot understand each other cannot exchange ideas, cannot communicate, and translation programs only go so far.

The simplest way to make sure that we raise literate children is to teach them to read, and to show them that reading is a pleasurable activity. And that means, at its simplest, finding books that they enjoy, giving them access to those books, and letting them read them.

I dont think there is such a thing as a bad book for children. Every now and again it becomes fashionable among some adults to point at a subset of childrens books, a genre, perhaps, or an author, and to declare them bad books, books that children should be stopped from reading. Ive seen it happen over and over; Enid Blyton was declared a bad author, so was RL Stine, so were dozens of others. Comics have been decried as fostering illiteracy.

No such thing as a bad writer… Enid Blytons Famous Five. Photograph: Greg Balfour Evans/Alamy

Its tosh. Its snobbery and its foolishness. There are no bad authors for children, that children like and want to read and seek out, because every child is different. They can find the stories they need to, and they bring themselves to stories. A hackneyed, worn-out idea isnt hackneyed and worn out to them. This is the first time the child has encountered it. Do not discourage children from reading because you feel they are reading the wrong thing. Fiction you do not like is a route to other books you may prefer. And not everyone has the same taste as you.

Well-meaning adults can easily destroy a childs love of reading: stop them reading what they enjoy, or give them worthy-but-dull books that you like, the 21st-century equivalents of Victorian improving literature. Youll wind up with a generation convinced that reading is uncool and worse, unpleasant.

We need our children to get onto the reading ladder: anything that they enjoy reading will move them up, rung by rung, into literacy. (Also, do not do what this author did when his 11-year-old daughter was into RL Stine, which is to go and get a copy of Stephen Kings Carrie, saying if you liked those youll love this! Holly read nothing but safe stories of settlers on prairies for the rest of her teenage years, and still glares at me when Stephen Kings name is mentioned.)

And the second thing fiction does is to build empathy. When you watch TV or see a film, you are looking at things happening to other people. Prose fiction is something you build up from 26 letters and a handful of punctuation marks, and you, and you alone, using your imagination, create a world and people it and look out through other eyes. You get to feel things, visit places and worlds you would never otherwise know. You learn that everyone else out there is a me, as well. Youre being someone else, and when you return to your own world, youre going to be slightly changed.

Empathy is a tool for building people into groups, for allowing us to function as more than self-obsessed individuals.

Youre also finding out something as you read vitally important for making your way in the world. And its this:

The world doesnt have to be like this. Things can be different.

I was in China in 2007, at the first party-approved science fiction and fantasy convention in Chinese history. And at one point I took a top official aside and asked him Why? SF had been disapproved of for a long time. What had changed?

Its simple, he told me. The Chinese were brilliant at making things if other people brought them the plans. But they did not innovate and they did not invent. They did not imagine. So they sent a delegation to the US, to Apple, to Microsoft, to Google, and they asked the people there who were inventing the future about themselves. And they found that all of them had read science fiction when they were boys or girls.

Fiction can show you a different world. It can take you somewhere youve never been. Once youve visited other worlds, like those who ate fairy fruit, you can never be entirely content with the world that you grew up in. Discontent is a good thing: discontented people can modify and improve their worlds, leave them better, leave them different.

And while were on the subject, Id like to say a few words about escapism. I hear the term bandied about as if its a bad thing. As if escapist fiction is a cheap opiate used by the muddled and the foolish and the deluded, and the only fiction that is worthy, for adults or for children, is mimetic fiction, mirroring the worst of the world the reader finds herself in.

If you were trapped in an impossible situation, in an unpleasant place, with people who meant you ill, and someone offered you a temporary escape, why wouldnt you take it? And escapist fiction is just that: fiction that opens a door, shows the sunlight outside, gives you a place to go where you are in control, are with people you want to be with(and books are real places, make no mistake about that); and more importantly, during your escape, books can also give you knowledge about the world and your predicament, give you weapons, give you armour: real things you can take back into your prison. Skills and knowledge and tools you can use to escape for real.

As JRR Tolkien reminded us, the only people who inveigh against escape are jailers.

Tolkiens illustration of Bilbos home, Bag End. Photograph: HarperCollins

Another way to destroy a childs love of reading, of course, is to make sure there are no books of any kind around. And to give them nowhere to read those books. I was lucky. I had an excellent local library growing up. I had the kind of parents who could be persuaded to drop me off in the library on their way to work in summer holidays, and the kind of librarians who did not mind a small, unaccompanied boy heading back into the childrens library every morning and working his way through the card catalogue, looking for books with ghosts or magic or rockets in them, looking for vampires or detectives or witches or wonders. And when I had finished reading the childrens library I began on the adult books.

They were good librarians. They liked books and they liked the books being read. They taught me how to order books from other libraries on inter-library loans. They had no snobbery about anything I read. They just seemed to like that there was this wide-eyed little boy who loved to read, and would talk to me about the books I was reading, they would find me other books in a series, they would help. They treated me as another reader nothing less or more which meant they treated me with respect. I was not used to being treated with respect as an eight-year-old.

But libraries are about freedom. Freedom to read, freedom of ideas, freedom of communication. They are about education (which is not a process that finishes the day we leave school or university), about entertainment, about making safe spaces, and about access to information.

I worry that here in the 21st century people misunderstand what libraries are and the purpose of them. If you perceive a library as a shelf of books, it may seem antiquated or outdated in a world in which most, but not all, books in print exist digitally. But that is to miss the point fundamentally.

I think it has to do with nature of information. Information has value, and the right information has enormous value. For all of human history, we have lived in a time of information scarcity, and having the needed information was always important, and always worth something: when to plant crops, where to find things, maps and histories and stories they were always good for a meal and company. Information was a valuable thing, and those who had it or could obtain it could charge for that service.

In the last few years, weve moved from an information-scarce economy to one driven by an information glut. According to Eric Schmidt of Google, every two days now the human race creates as much information as we did from the dawn of civilisation until 2003. Thats about five exobytes of data a day, for those of you keeping score. The challenge becomes, not finding that scarce plant growing in the desert, but finding a specific plant growing in a jungle. We are going to need help navigating that information to find the thing we actually need.

Photograph: Alamy

Libraries are places that people go to for information. Books are only the tip of the information iceberg: they are there, and libraries can provide you freely and legally with books. More children are borrowing books from libraries than ever before books of all kinds: paper and digital and audio. But libraries are also, for example, places that people, who may not have computers, who may not have internet connections, can go online without paying anything: hugely important when the way you find out about jobs, apply for jobs or apply for benefits is increasingly migrating exclusively online. Librarians can help these people navigate that world.

I do not believe that all books will or should migrate onto screens: as Douglas Adams once pointed out to me, more than 20 years before the Kindle turned up, a physical book is like a shark. Sharks are old: there were sharks in the ocean before the dinosaurs. And the reason there are still sharks around is that sharks are better at being sharks than anything else is. Physical books are tough, hard to destroy, bath-resistant, solar-operated, feel good in your hand: they are good at being books, and there will always be a place for them. They belong in libraries, just as libraries have already become places you can go to get access to ebooks, and audiobooks and DVDs and web content.

A library is a place that is a repository of information and gives every citizen equal access to it. That includes health information. And mental health information. Its a community space. Its a place of safety, a haven from the world. Its a place with librarians in it. What the libraries of the future will be like is something we should be imagining now.

Literacy is more important than ever it was, in this world of text and email, a world of written information. We need to read and write, we need global citizens who can read comfortably, comprehend what they are reading, understand nuance, and make themselves understood.

Libraries really are the gates to the future. So it is unfortunate that, round the world, we observe local authorities seizing the opportunity to close libraries as an easy way to save money, without realising that they are stealing from the future to pay for today. They are closing the gates that should be open.

According to a recent study by the Organisation for Economic Cooperation and Development, England is the only country where the oldest age group has higher proficiency in both literacy and numeracy than the youngest group, after other factors, such as gender, socio-economic backgrounds and type of occupations are taken into account.

Or to put it another way, our children and our grandchildren are less literate and less numerate than we are. They are less able to navigate the world, to understand it to solve problems. They can be more easily lied to and misled, will be less able to change the world in which they find themselves, be less employable. All of these things. And as a country, England will fall behind other developed nations because it will lack a skilled workforce.

Books are the way that we communicate with the dead. The way that we learn lessons from those who are no longer with us, that humanity has built on itself, progressed, made knowledge incremental rather than something that has to be relearned, over and over. There are tales that are older than most countries, tales that have long outlasted the cultures and the buildings in which they were first told.

I think we have responsibilities to the future. Responsibilities and obligations to children, to the adults those children will become, to the world they will find themselves inhabiting. All of us as readers, as writers, as citizens have obligations. I thought Id try and spell out some of these obligations here.

I believe we have an obligation to read for pleasure, in private and in public places. If we read for pleasure, if others see us reading, then we learn, we exercise our imaginations. We show others that reading is a good thing.

We have an obligation to support libraries. To use libraries, to encourage others to use libraries, to protest the closure of libraries. If you do not value libraries then you do not value information or culture or wisdom. You are silencing the voices of the past and you are damaging the future.

We have an obligation to read aloud to our children. To read them things they enjoy. To read to them stories we are already tired of. To do the voices, to make it interesting, and not to stop reading to them just because they learn to read to themselves. Use reading-aloud time as bonding time, as time when no phones are being checked, when the distractions of the world are put aside.

We have an obligation to use the language. To push ourselves: to find out what words mean and how to deploy them, to communicate clearly, to say what we mean. We must not to attempt to freeze language, or to pretend it is a dead thing that must be revered, but we should use it as a living thing, that flows, that borrows words, that allows meanings and pronunciations to change with time.

We writers and especially writers for children, but all writers have an obligation to our readers: its the obligation to write true things, especially important when we are creating tales of people who do not exist in places that never were to understand that truth is not in what happens but what it tells us about who we are. Fiction is the lie that tells the truth, after all. We have an obligation not to bore our readers, but to make them need to turn the pages. One of the best cures for a reluctant reader, after all, is a tale they cannot stop themselves from reading. And while we must tell our readers true things and give them weapons and give them armour and pass on whatever wisdom we have gleaned from our short stay on this green world, we have an obligation not to preach, not to lecture, not to force predigested morals and messages down our readers throats like adult birds feeding their babies pre-masticated maggots; and we have an obligation never, ever, under any circumstances, to write anything for children that we would not want to read ourselves.

We have an obligation to understand and to acknowledge that as writers for children we are doing important work, because if we mess it up and write dull books that turn children away from reading and from books, we ve lessened our own future and diminished theirs.

We all adults and children, writers and readers have an obligation to daydream. We have an obligation to imagine. It is easy to pretend that nobody can change anything, that we are in a world in which society is huge and the individual is less than nothing: an atom in a wall, a grain of rice in a rice field. But the truth is, individuals change their world over and over, individuals make the future, and they do it by imagining that things can be different.

Look around you: I mean it. Pause, for a moment and look around the room that you are in. Im going to point out something so obvious that it tends to be forgotten. Its this: that everything you can see, including the walls, was, at some point, imagined. Someone decided it was easier to sit on a chair than on the ground and imagined the chair. Someone had to imagine a way that I could talk to you in London right now without us all getting rained on.This room and the things in it, and all the other things in this building, this city, exist because, over and over and over, people imagined things.

We have an obligation to make things beautiful. Not to leave the world uglier than we found it, not to empty the oceans, not to leave our problems for the next generation. We have an obligation to clean up after ourselves, and not leave our children with a world weve shortsightedly messed up, shortchanged, and crippled.

We have an obligation to tell our politicians what we want, to vote against politicians of whatever party who do not understand the value of reading in creating worthwhile citizens, who do not want to act to preserve and protect knowledge and encourage literacy. This is not a matter of party politics. This is a matter of common humanity.

Albert Einstein was asked once how we could make our children intelligent. His reply was both simple and wise. If you want your children to be intelligent, he said, read them fairy tales. If you want them to be more intelligent, read them more fairy tales. He understood the value of reading, and of imagining. I hope we can give our children a world in which they will read, and be read to, and imagine, and understand.

This is an edited version of Neil Gaimans lecture for the Reading Agency, delivered on Monday October 14 at the Barbican in London. The Reading Agencys annual lecture series was initiated in 2012 as a platform for leading writers and thinkers to share original, challenging ideas about reading and libraries.

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