#two bachelor's degrees baby and im DONE

[llycaons]

at this point I’ve experienced public high school, community college, online community college, state college, and a private college and ngl I couldn’t really tell you the quality of any of them was better than the others. the private university was definitely the best funded but that didn’t really translate to better equipment and we still had to buy our own supplies and pay the insane $200 fee if we missed clinical for any reason up to and including COVID. the worst teachers I had were mixed between the state and private college, but some of the best teachers as well

[pacinothot]

skincare anon back again with unwanted information 😎 anyways im turning 18 tonight and im having an actual existential crisis, feel free to completely ignore this if u have nothing to say but i just figured it wouldnt hurt to ask advice esp since im hiding from reality on f1blr rn anyways 😌

omg you're a baby!!!

first of all...this is your life. don't let anyone make you feel bad for how fast or slow you take things. i will be graduating from uni with my bachelor's degree at 24. that wasn't how i planned things. i wanted to just get things done and then life and mental illness and a whole ass pandemic happened. just go with the flow. other people might not understand your journey in life, but it isn't theirs to understand.

i don't know what your future holds, but i'm sure it's exciting and wonderful and nerve-wracking and scary all at once. it's supposed to be like that.

also, you will make mistakes. you're human. it's okay. there is nothing that cannot be fixed. don't feel afraid to ask people for help. we all need help at some point. smile at people, even if you're feeling sad - it will do wonders for your mood.

walking is great. i have always struggled with keeping an exercise routine (yay adhd and self loathing), but i've learned that especially when i'm depressed, taking a walk around the block has a huge impact on the way i'm feeling.

and lastly, i'm gonna turn 24 in exactly two months from today and honestly? those posts about your friend group being in 15 different life stages during your twenties is so accurate. wherever you're at is fine. cut yourself some slack. you're gonna get there eventually.

p.s.: you have plenty more existential crises coming your way - that usually means something life-changing is happening to you. it's not necessarily a bad thing.

i hope you have a lovely birthday tomorrow bestie <3

[missivvy]

hi sweet people, its sally, i’m super excited to be here and can’t wait to meet and plot with you all. ive been roleplaying for over ten years now which is crazy and im excited to play selena fc again since she was the very first fc i played. brings back so many memories and this rp looks so welcoming and amazing. i’d like to introduce my baby ivy and i hope you love her just as must as i do. 

{ SELENA GOMEZ . CIS FEMALE .  28 . SHE/HER }  did you see that { IVY AMOR} just pulled up in hidden hills - isn’t that cute ! you know, for a { STYLIST}, i’ve heard they’re really { IMPULSIVE }, but that they make up for it by being so { BUBBLY }. i see them all the time on snapchat && yesterday in US WEEKLY i read that they { HAVE } a daughter - can you believe that ?!

ivy amor, the twenty-eight years old model, born and raised in grand prairie, texas. ivy grew up alongside her twin sister isabelle and her loving parents. she loved her family and she loved how close her and her twin were. there always did everything together, attached at the hip. the two of them were always so supportive of one another. ivy has always support isabelle and is so very proud of all her accomplishes.

ivy always had a interest in fashion and modelling for as long as she could remember. watching her sister in the lime light, going to events, wearing so many amazing clothes it just made ivy want to be involved in that even more. she wanted her love for fashion to be her job and that’s what it became.

she made sure through her schooling years that she stayed focused and worked hard because she knew it would all pay off in the end. once she graduated from high school her application to study a bachelors degree in fashion and design was accepted.

ivy had such an amazing time at fashion school, it made her fall in love with fashion all over again. this is where she met her daughters dad. it first started off with coffee dates here and there on campus before it turned into them spending almost every free moment they had together.

three years later she had graduated from her degree with honours in almost all of her subjects. she was so proud of herself and how far she had come. throughout her degree she attended so many fashion shows and she just fell more in love with modelling. she had always had an eye for it but never thought she could be one. until one day she received a phone call from a modelling agency saying that she would be the perfect fit for their next campaign. she was shocked as she had never done it before but they had said they had seen her at one of the fashion shows she had been to while she studied.

ivy became a model when she was twenty-one and she hasn’t looked back since. she does some sketching every now and again and still loves it but her main focus is modelling.

when she turned twenty-five her modelling career had a little pause when she found out she was pregnant with her daughter Anastasia. it was quite overwhelming for ivy when she first found out and it didn’t make the situation any better when her daughters dad didn’t want anything to do with her. ivy was left to go through the entire pregnancy on her own, raise Anastasia as a single parent. although she is okay now at first she had a hard time, barely left the house. she couldn’t understand how someone she thought loved her could just leave like that and want nothing to do with their daughter.  

after a year off ivy was back modelling and being a mother. her two full time jobs and she loved both of them so much. she couldn’t imagine her life any other way.

you can find her full biography and stats here and i am still working on her connections page but i should have that up this evening but in the mean time open to brainstorming plots. again super excited to be here!!

[neverheardnothing]

Winston Programming Headcanons

hi I’m here to dump WAY too many headcanons for how Winston works. please talk to me about them. i beg of u guys,,,,

he's one of those people on stack overflow who marks your question as duplicate, closes it, and links you to another post that doesn't answer your question. and it's instantaneous because he has a Fuckload of points on that hellhole site.

he likes Matlab :/

but he also definitely is in the arrays begin at 0 camp like any sane person is

he's on the spaces side for tabs vs spaces, but he'll use soft tabs (tabs that turn into spaces)

brackets on the same line kinda guy (he’s wrong but that’s who he is)

he uses all the languages he mentioned in the math meetup scene but his favorite language is python because of its hella Dope math library (shoutout to math.py, i never fuckin use it)

second favorite is C. he loves the power of direct memory manipulation for getting into the Nitty Gritty. and he's not afraid to bust out assembly.

but because he switches between those two a lot, semicolons (or the lack thereof) fucks him over frequently

he uses vim. like he really uses vim. he's got one of those colored keyboards with the popular shortcuts and commands on it. his vimrc file is something he custom wrote and he’s Very Proud of it. he’s got the whole custom highlighting thing going on.

this man cannot survive without his Multitude of bash scripts. 

watching him try to work on someone else’s computer is like watching a baby try to walk. his setup is so specific to him and what he needs to work that anything else just Doesn’t Work for him. he��ll try to do one of the shortcuts he’s set up that he’s so used to and nothing happens and he’s just :o

at least one of his six monitors is always just playing random youtube/netflix stuff in the background as he works, but as soon as he really really needs to focus he turns it off so he can figure stuff out. 

frantic whiteboard pseudocoding as he tries to map out what he sees in his head for other people to understand or before he loses it. his handwriting is messy and barely legible. there are 5 expo markers laying around on his desk, all of which are shitty and out of ink, but he forgets to get new ones. he loves those white board desks and he’s shoved everything off a desk before so he can write on it. 

writes down bits of code on whatever he can when he figures out how to do something that he’s been stuck on

if he’s having a particularly hard time on something at the moment, he tries to take a break but it still Consumes his thoughts. he angrily paces around the Quant Dungeon a lot, trying to calm down but Failing.

spends Hours Not Reading The Documentation and then getting angry when he finally resigns looks at it and it solves all his problems

he likes watching those videos on youtube that visualize all the different sorting algos (i really,,,, really,,,,, like doing this) ((idk maybe he does this as a visual stim maybe))

favorite data struct is leftist heaps. he likes the organized balance.

favorite sorting algo is merge sort because he likes seeing all the elements being broken down and then coming back together, in an organized order.

he uses Arch, btw. (im sorry please don’t kill me for this im very sorry)

he judges you based on what Linux distro you prefer, all while knowing people judge him the Most for using Arch.

he goes to meetup.com programming meetups and tries and fails to make friends

he’s in the ACM special interest group for econ and computation

if god forbid he has to pair program, he’s the most MISERABLE motherfucker to work with. if he’s the one driving, he won’t listen to any suggestions and if he’s the one watching, then he’s backseat programming the entire time. 

he's not into hacktivism personally but he likes reading about it and knowing the Lore as well as reading about cybersecurity/penetration testing

he definitely submits memes to r/programmerhumor and then also complains that the subreddit is too general

he likes what he does but he doesn't usually program off the clock. but sometimes he'll get an idea for a personal project!!

his has exactly one personal project at a time. it either gets finished or it doesn’t before he moves onto the next one.

his personal GitHub is silent for months and then suddenly for a week straight it's dark green before fading into silence again

doesn’t like working from home. he really needs the separation between his work space and his living space.

very cryptic and unhelpful commit messages. when trying to roll back he hates himself because he has no IDEA what him in the past meant by “node updated,” because WHAT IN THE NODE WAS UPDATED??? he didn’t write it down and now it’s been two months since he’s looked at this code and he has no fucking clue.

names his variables funky things, also causing trouble for himself down the line. 

sometimes leaves a dangling else statement when he writes an if, as if daring the if statement not to execute

leaves funny comments for himself in his code and other non helpful comments for whoever has to work on his code/maintain it after him. literally all sorts of remarks except for describing what his code actually does. job security! until he forgets how the fuck he did something, which is honestly only like two months later.

has definitely done the “//don’t touch, this works by magic” comment and the “//don’t refactor and come crying to me when it breaks” comment

this is probably his second real job out of college. he reads early-mid 20s to me, and so he’s definitely doing that comp sci thing where you hop around companies every few years to get a massive pay raise. 

i think he only has his bachelor’s degree, but he definitely went to cornell. double major in comp sci and math. or comp sci and econ. definitely possible he has his masters though. i think if so he went to upenn for it and focused on the econ side there.

his internship during college is at a place that works with the math behind computer graphics. he loves matrices. he’s working for the fun of it before he gets down to business after he graduates.

his first job out of college is as a data analyst. 

likes writing code to make fancy/fun graphics for his statistics/results in presentations to his bosses. if he has the time. which he usually doesn’t.

"blockchain is just a fancy linked list" he says, as he makes a killing investing in cryptocurrency so he graduates with minimal debt.

he has a "the cloud is just someone else's computer" graphic t shirt

he's very into getting the most optimal run time for in his code, which is part of what makes his algo for tmc so Good. everything needs to run as As Fast As Possible in that algo. Time Complexity Is His Jam. idk what to tell u. the dude loves math.

but also he just wrote a quad nested for loop and this is the comment above it: //This is O(scary), but seems quick enough in practice

space complexity? not so much. he doesn’t care about how much space his algos take up. 

he hates maintaining code. he’s itching to create new things and he views programming as a sort of art and creative expression sometimes (im right on this. programming is creative and ill fight to the death).

[justanother-girl]

im just gonna vent about my job and something someone asked me today. don’t reply with anything against what i’m venting about, this is just me getting all this crap off my chest. 

so i’m an ASL interpreter and I went to school for 4 years that included language classes, interpreting classes, and multiple internships. after all that, i still had to go on and take a two part certification test that took me a couple attempts to pass. now, i’m certified to interpret k-12 as an educational ASL interpreter. and even then, i’m still learning from mentors and workshops. however, people have asked me SO many times on the job if I know ASL because of a deaf family member and they are always shocked to find out I not only went to school for this job, but have a degree and certification. not many people realize all that’s required to be an interpreter and its annoying but whatever. i just educate (nicely) people on the process and why it’s hella important to make sure that any interpreter is a qualified & certified one.

so, this girl today (same age as me) messaged me saying she was going to be an interpreter and wanted tips... i’m like alright cool. i ask where she’s going to school. then, she’s like, oh I already have my associates in interpreting (which is fine, i got my bachelor’s but some programs are AAs and thats totally fine too) but i got it 5 or 6 years ago (and i know for a fact she hasnt been interpreting because i’ve been acquaintances with her for that amount of time and she posts SO much on social media about work and she’s been doing something totally different - i have NO idea she even knew ASL) and an intepreting job opened up at an elementary school near me so im starting it up! 

im like. b are you for real. even as a fresh out of college interpreting graduate, you still a baby that needs more experience before getting a full time interpreting job. b what you doing. and not certified? not even temporary certification? not even attempted the EIPA certification? I’M JUST SO FRUSTRATED that anyone thinks they can just jump in and be an interpreter like it’s easy - there’s so much more that goes into it, and especially when not everyone respects or even sees interpreters as professionals. one of the reasons is because some people think “oh i know sign language, imma be an interpreter” KNOWING THE LANGUAGE IS ONLY PART OF THE JOB. another part is the actual interpreting process 

like this mess, and then for ASL interpreters we are typically doing simultanious interpreting so take this ENTIRE PROCESS and make it happen in 0.2 seconds over and over and over and over again. it’s mentally exhausting. that’s why teams are needed for anything over 20-30 minutes because this process is what our brains are doing whenever someone is speaking or a deaf person’s hands are moving. 

anyways, all that to say, it made me mad that this girl was like “oh ya i took an interpreting position” when she hasnt even USED her degree that she got 5-6 years ago, and is uncertified. she’s unfit for this position and i’m so tired of people basically pretending to be interpreters so they can make money and feel good about “helping” deaf kids. you aren’t helping if youre not skilled enough for the job, you’re just making it worse for everyone, including other interpreters. because now that school thinks that an interpreter doesnt have to be certified to work for them, and aren’t going require that. UGH ITS THE WORST CYCLE. alright i’m done. for now.

[jadedfanfiction-blog]

Chapter 2

Ok so I know you read the beginning of this and wondering how in the hell did I get myself here. I'm twenty-three years old, with two degrees, a dream job at DDC House Design, the top interior design house on the east coast and I am officially 6 weeks pregnant. Well I am going to have to take you back to about 8 months ago when I stepped out on a dream and chased it all the way to New York City.

"Congratulations Sloane Taylor,  

This letter is to thank you and to acknowledge of your offer of employment to join the staff of DDC House of Designs with an entry level salary of $176,000. We feel it would be out mutual advantage to advance our final decision. Will contact you via email to advise you of your employment packet.  

Sincerely, DDC House Designs

"OOOOMMMMGGGGG, Mommy come her look! Omg look at this email!"

"What is it Sloane you are calling my name like you crazy."

""Look mom I got the designing job in New York?"

"Wow that’s great baby girl I'm so proud of you." My mother said with conviction,  

I looked up at my mother that had a sweet and sour look on her face when she heard me say New York.  

"Ok mom please don’t ruin this moment with that look ok New York is not that far away.  

"I know honey but its far enough and you don’t have any family up there. "

See my mother in my eyes is being her usual over protective self at the mention of me going somewhere that isn't Greensboro, North Carolina. I've been here my entire life and I can't wait to leave. Nobody here has hope or dreams of anything outside of those city lines. Don’t get me wrong I love my hometown and I am proud of where I come from, but I want to see the world. I graduated college last year from North Carolina A&T with my Bachelors in Business and a Minor in Art since of course my mother would have had a heart attack if I would have gone out of state. Hell, I think she might have had a minor stroke if I went to East Carolina University, so I didn’t even test the limits. I am by far not a small-town girl but I hold my values. Most of the girls I graduated out of high school have kids now including my best friend Amina Walton who I have known since kindergarten. We met on the first day when she asked me to push her on the swing on the playground and now we have been inseparable ever since. She had her daughter Skylar our freshman year in college and I love her to the moon and back but I know for sure I am nowhere near ready to be a mom.  

Mommy, I can take care of myself I am an adult and plus I have done everything you have ever asked of me. I stayed in Greensboro longer than I had planned on it. It is way past time for me to travel and leave."

"I understand Sloane, but what are you going to do it something goes wrong or you need something."

"then I will call home and ask. Mom you have to learn to let me go you are starting to smother me and I am an adult. I love you I really do but I am taking this job,"  

I had to put on my firm voice but I know I was hurting her feelings by saying that. It has been me and my mom for years after my dad died and she couldn’t help but hold me close. I can't really blame her though she really stepped up and played both roles perfectly to win an Oscar.  

"well what are they offering you to have you move so far?"

"they are paying my rent for my apartment, full benefit coverage, paid vacations and all holidays off. Come on mom, it is no way I am going to ever find a job like that here."

"ok ok Sloane. When do you have to leave after you accept the job?"

"Two-weeks..."

"two weeks! That is too soon how will you pack and get all of your things there in time?"

"they are sending movers mom, everything will be fine.  

I was so excited I couldn’t contain myself while she was in my room. Once I finally got her to see things through my eyes she walked out my room. I closed the door and let out a silent scream. I count help it. It felt like such a weight was lifted off of my shoulders. I am leaving this place behind and not looking back.  

Two weeks flew by I couldn’t believe my whole life was packed into 30 cardboard boxes and I was counting the hours to load them in a moving truck. I didn’t think I was going to be this sad to leave when I made the call and accepted the position. Amina through me a huge going away party last night and it seemed like the entire city came out to see me off. Including my ex Zayvion. 

We dated for 3 years and I learned everything I don’t deserve in a relationship. I know what you thinking and no he didn’t cheat on me but let's just say college can really change people. Everything was perfect in that honey moon phase but after he crossed and pledged Omega Psi Phi Fraternity Inc. Secrets pushed us apart and turned us against each other. I didn’t expect to see him there and I know Amina didn’t invite him so of course he heard through the grapevine that I was leaving. Everybody loved us together being that we were the "black Love Lives" couple of the century. I can't deny he was fine for sure 6"4, golden peanut butter skin, full pink lips and chocolate brown curls. With a smile that made me melt and eyes to steal my soul.  Who could turn him down? At one point I never thought I could. Not to mention his dick game was powerful I swear that’s how he pledged on line. Freshman and Sophomore year, I had a nice size four body, but Junior and Senior year I filled out in everything. My body couldn’t lie that he wasn’t putting it down before dorm curfew and the whole campus could see it.  

He approached me with that suave walk and pearly white smile smashed across his face. I got a little weak at the knees as I watched him approach me from across the back yard. All my girls giggling behind me talking about "girl here he come" "mmm you sure you wanna leave that behind" "girl he so damn fine". I rolled my eyes at all of them, "look yall need to calm down and play it cool nobody is thinking about that boy." But on the inside my heart was racing. He walked up and said " what's up yall?" His voice rang in my ears so vibrant sending me to reminisce when he would whisper in my ear with my legs up on his shoulders and he hitting my spot just right. Damn I missed that feeling. My pussy started tingling and the thought of his hands rubbing down my thighs to spread my legs.  

"Sloane you good? "

I snapped out my daydream, "yeah I'm good, what are you doing here?"

"I heard Kiwan talking about it and I was surprised that I didn’t get an invitation so I thought I would make a surprise appearance. "

"well I didn’t make the guest list so I hope your feelings weren't too hurt."

"A little bit, but it's nothing a hug can't fix though," he shrugged his shoulders and held his arms out and open for me.  

It couldn't hurt just to hug him right? I contemplated at first then I just gave in and stepped in for the hug. His Prada cologne hit my nose and mesmerized me. His chest was thick and muscular. I could feel in his back where he had been hitting the gym and it was doing his justice.  

"awwww look at my favorite couple." I hear coming from behind him a familiar voice. Zayvion's best friend and line brother Kiwan. He was cool and about the only friend he had that I actually liked.  

"shut up you are so annoying"  

"don’t do me like that friend, you know im always going to team Sloane and Zay"  

"Shut up bro " Zay laughed and nudged Kiwan. "you play too much"  

"ok when yall stop frontin' let me know. Speaking of frontin whats up Amina you not gonna speak ? "

" Boy bye no im not speaking to you." Amina gave him the hand and walked off. Kiwan always had a thing for Amina since sophomore year and she tried everything to turn him away but I know on the low she had a little flutter for him. All it took was when she mentioned she had a daughter and he instantly got excited and said he would love to meet her one day. It definitely took Amina by surprise most guys take off at the mention of a kid but he held his own.  

"Bro when are you just going to let that go man?" Zay always joked him for how Amina loved to give him the cold shoulder.  

"Never bruh, you don’t understand we got a thing its just on the low."  

We all burst out laughing and everything felt like old times. In that moment my heart felt a little heavy. Am I really going to leave all of this behind. My friends and family for the big city? I wanted to say im staying but I knew It was just in the moment and when I got there it would all fade away.  

*Alarm rings

I woke up not realizing that I had fallen asleep in the middle of my day dreams. Today was the day. I reached over to turn off my alarm and my notification list was longer than usual. I scrolled down and saw Amina, Instagram, Snapchat, Twitter, Daily Quotes and to my surprise Zayvion. My eye widened and I didnt even think he still had my number. I didn’t want to open his message to make it seem like I missed him or was pressed to see what he said so I just went to answer Amina. She said she was on her way to help me load the moving truck so I needed to get up and shower.  

Im going over my check list to make sure I got everything to load up as I see her pull up in her red Volkswagen Jetta. I didn’t even have to turn around to know it was her because I could hear the 90s r&b playlist bumping from down the street. The car doors closed and I heard my little angel Skylar's voice call out for me " Auntie!" I dropped my notepad and swept her up in my arms for a huge hug. She has gotten so big so fast and I cant believe I am about to leave her. I have been there since day one and in the delivery room when she was born.  

She hugged my neck so tight then pulled back and asked "auntie why is all of your stuff in that big truck where are you going?"  

I wanted to lie and say no where without you but I couldn’t. "auntie is moving to new york remember for her big girl job." She just smiled back at me and said "well are you going to visit me and mommy because we are going to miss you."  

"of course pumpkin and you and mommy are going to come visit me on the airplane right?"

"yes" she squealed. "good now go see meme she has cookies." I put her down on her feet and she took off running into the house. Amina walked up behind her and hugged me which is something she never does.  

"what is wrong with you, im not dying" I said.  

"what do you mean you are not dying?" She look confused at what I asked her.  

"uhm you are hugging me like im dying tomorrow not moving away."  

"well you might as well be! We have spent every day of our lives together since kindergarten, what am I going to do now that you have out grown this place?"

"well you know you can always move there too eventually, they need nurses in every state."  

"yeah I know but I have Skylar and I don’t really want to take her from my mom."

"you cant limit your self because of other people Mina." I always wanted so much more for Amina. She had potential to be so much more than she allowed herself to step out of her comfort zone to be. We were similar but our differences made us great friends.  

"girl are you sure you are ready to move like what is going to be the first thing you do when you get there?"

"shit find the nearest Junior's Cheesecake and walk the Brooklyn Bridge." We burst out laughing but I couldn’t be more serious.  

"how did it feel seeing Zayvion last night? I had no idea he was going to show up even though the whole city was In that shit. We was lit for sure."

"yeah It was super awkward and intense at first and it felt like old times." Speaking of Zay I totally forgot he had texted me this morning. "He texted me this morning and I didn’t think he would remember my number."

"why wouldn’t he? Bestfriend now you know that boy still love you and he know he fucked up."

"to bad that was not my problem then and its not now. He shoudnt be trying to press me now its been a whole year since we broke up and he wants to wait until the day before I leave to reach out? No thank you ill pass." I rolled my eyes and went to grab some boxes. It was no need for me to text back now.

We loaded the truck in a matter of 2 hours and nothing was left but my suitcase and backpack for my flight in the morning. My mom had to work but she would be off intima to take me to the airport. Amina and Skylar stayed over for one of our famous living room sleepovers.  

"You know your going to be ordering out every night when you get there because you cant cook?" She laughed trying to joke will she made all my sleepover favorites.

"shut up I can cook enough to survive! Plus that’s what restaurants are for to order out of."

"yeah but your going to miss this home cooking believe it or not because you know I can burn." Amina was the perfect wife and mom type. She had all the qualities not to mention she was beautiful. Milk cocoa brown skin, full curly natural hair that she passed on to Sky and she was 5"4 slim thick thick for sure.  

"yeah I am, you spoil me bestie. Thanks for everything!" I smiled at her and she just smiled back because she wasn’t the sentimental type but I know a tear filled her eye on that one. She finished cooking and we turned on the black Cinderella with Brandy and Whitney Houston our favorite movie. Amina was sleep first as usual then sky and me. My mom came in and woke us up in time to get ready for me to catch my flight. We parked the car in the departure parking lot and they walked me to my gate. I hugged Amina and Sky trying to hold back tears. Then my mom who was wiping her eyes quickly so I wouldn’t see her crying.  

"oh mommy its ok don’t cry. I am going to facetime you as soon as I land."  

"I love you Sloane be safe ok?"

"I love you too mommy!"  

*now boarding flight 5477 to New York City at Gate 4*

"that’s me guys! I will call as soon as I land." I picked up my bag and walked to my gate. Handing my ticket over to the flight attendant I took one last look back at them waving bye to me I waved back walked through the doors. I found my seat and adjusted myself for the take off. I had a window seat so I could see the airplane wing. I took a hug deep breath and settled my nerves. This was the start of a new beginning and the plane started rolling.  

[ohlvca-blog]

INTRODUCING,

» francisco lachowski & twenty-two & cismale.「 after checking isabella’s diary, we saw luca rosario show up many times. apparently, he is a fashion photographer that isabella called her mutual friend. she mentions that they can be compassionate yet naive, and our background check says luca has lived here one month. if we move fast, we might catch them at the photo lab. 」

waddup, peeps ?? this tiny bean goes by the name of rue ( she/her ) and i’ll be playing Soft Boy™, luca rosario. he’s pretty much a new faceclaim for me with an old character’s background. however, francisco has recently become my forever Fave, therefore i’m so excited to have the opportunity to play him !! if you would like to hmu for plots / scream about connections all day long, please give this a LIKE and i’ll come wiggling into your ims ( or discord; find me at justrue#2233 ) shortly after. under the cut, you’ll find a brief summary about luca and his life. also all my wcs are listed over HERE if you wanna check that out as well. can’t wait to start interacting !! 

+ disclaimer: very slight talks of cancer and mental health are below. read at your discretion.

LAYER ONE: THE STATS.

NAME. luca leonardo rosario. he was born out of wedlock, so he took his mother’s name at birth even though his father’s surname is polish.

ALIAS. people usually just call him by luca but sometimes luke, luki, or leo make an appearance.

TITLE. over time, he has proudly deemed himself an obsessive pizza addict, artistic nutcase, or one of the missing dead poets society members.

NAME MEANING. his true significance of his name means a bringer of light.

AGE. twenty-two years old.

GENDER IDENTITY. cis-male.

PRONOUNS. he/him.

SEXUAL ORIENTATION. predominately panromantic demisexual. it isn’t so much so that luca is completely disinterested in sex (he’s got a perfectly good libido, thank you very much), he just doesn’t find himself sexually attracted to people based on physical appearance or initial impressions. instead he finds personality, intellect, and existing emotional attachment considerably more compelling. the idea of intimacy with somebody he’s not close with rather repulses him.

CURRENT RESIDENCE. he currently lives in venice, california but he travels quite often for his job, so residency usually fluctuates depending on how long he stays there. 

BIRTHPLACE. san paulo, brazil.

NATIONALITY. brazilian.

ETHNICITY. half portuguese and german on mother side, half polish on father side.

RELIGION. he was raised roman catholic but converted to spiritual agnosticism when he was eighteen. he views that universal ethics and love are far more important than claims about any deity and trivialize the arguments supporting or rejecting such claims. to luca, it doesn’t matter which religion someone might follow, nor does it matter whether or not someone believes in God. what matters is what someone does, not what they believe. he has his parents’ full support in his switch even though the rest of his family practices catholism.

SPOKEN LANGUAGES. portuguese (fluent/main), english (fluent/2nd main), french (still learning but can understand it quite well).

EDUCATION. graduated with the bachelor of fine arts in photography and painting at the school of visual arts in nyc.

PROFESSION. he works as a full-time fashion/commercial photographer. meaning, he works with different agencies such as fashion magazines, building, modeling, landscapes, etc. he’s also usually on location and travels a lot for his career.

LAYER TWO: THE STORY.

- so this is my baby boy, luca rosario and i love him sm ?? he usually goes by luca, but on occasion people call him either luke, luki, or leo. but he doesn’t care what people call him as long as it’s kind.

- luca was born in san paulo, brazil to both loving and supportive parents named jeremi and mariana. he lived there until he was six years old when his family moved to maryland because his parents, who are both marine biologists, were relocated for work.

- his parents had him when they were both young, making his parents both twenty-two when he was born. 

- luca was also born out of wedlock, so by the time his parents decided to marry two years later, his parents had already made the decision to give him his mother’s maiden name even though his father’s last name is polish.

- growing up, he had and still does, have a great relationship with his parents. with his childhood consisting nothing more than love and devotion from his parents, luca had nothing to complain about. his parents loved him dearly, whose pure heart and open-mindedness they helped to cultivate. they encouraged luca’s belief in extraordinary things and hoped he had carried it throughout his life growing up. his parents had always made him promise to have courage and be kind to others, for—as they explained to him—kindness has power, and that they would see him through all the trials that life could offer, in life and death.

- cancer/mental illness tw: when he was thirteen, his mother had been diagnosed with cervical cancer. upon hearing the news, luca’s whole world clasped. not only was he at a pivotal stage in his life where everything was changing and becoming more stressful ( becoming a teenager, starting high school, going through puberty ), one of the most important people in his life had be claimed by the deadly disease altogether. so many thoughts and feelings were going through his mind at the time, that he ran himself physically sick and had experienced his first panic attack. he has since been medically diagnosed with panic disorder. thankfully the cells on his mother’s cervix were diagnosed at precancerous stage and the doctors were able to treat it because it developed and spread. however, that didn’t and doesn’t stop luca from being in a constantly state of panic every time his mother so much as feels pain or coughs due to irrelevant reasons. the entire year had changed him and his family for a while.

- he has brother, who is three years younger than him, named tomás. his relationship with his brother, however, is a bit estranged. as much as he loves his brother and wishes they could see eye-to-eye, sometimes they have a tendency to butt heads often. whether that might mean your typical sibling arguments or full-on blown out fights, they just can’t seem to see get along. sometimes people believe they aren’t actually related or that they’re half siblings because when his brother was born, he took their father’s last name.

- most people would describe luca as the benevolent. despite being in a world where there’s hatred and suffering, luca declares himself independent and strong-willed by remaining kind-hearted and self-loving, not allowing the bitterness surrounding his life to overtake him and morph him into someone as cruel as the world seems to be every day. he makes the most of his life by remaining optimistic of the possibilities of a brighter future. but besides that, he’s also witty and sarcastic. he is unafraid to stand up for himself when he feels he’s in the right–or at least, attempt to do so. and although he strives to contain his optimism aura, he can fall into fits of frustration and annoyance quite often.

- he’s also super quiet and shy. he loves to make friends but because of his quiet complex, he usually has trouble speaking up and making his voice heard. he tends to become flustered a lot too when he can’t express his emotions; which he has trouble doing anyway when he’s not flustered.

- luca is capable of enduing tremendous hardship. though he may not handle difficulty in the healthiest or best way, often repressing emotion, he mostly like emerges on the other side. he doesn’t know how to express his emotions in a diplomatic way, but rather fumbles it all up and starts to ramble. rarely opens up because of this.

- to put it plan and simple luca is an art ho. he even went to university for it too ( the audacity of it all smh ). luca always loved anything artistic. even when he was little, he would go around with his disposable camera and take pictures of everything and then take to paper to draw of all the things he had taken pictures of as well. 

- he’s like a hippie dippy child of the universe. no joke. no seriously, his place at home is full of sensual shit and art. it’s getting out of hand and somebody needs stop him soon.

- he strongly believes that art is an umbrella term that relates to expressing of oneself ( not just through photography and painting ) and that everyone has the freedom to express themselves however they please. because of his beliefs, he chooses to break gender roles like bread and wears whatever the fuck he wants because yolo.

-  his appearance pretty much represents his hippie dippy lifestyle with him wearing all sorts of cute hipster shit. he’s clothes are v flow-y but don’t let that fool you. he doesn’t miss the opportunity to represent his upper-middle class within his style, so he does dress to impress, let me tell you ( he’s a fashion ho too ). his hair color changes sometimes too depending on his mood but it’s generally never too eccentric.

- when he turned seventeen, luca decided he wanted to go to college after high school. so he applied to an arts school in new york and graduated at twenty-one with two degrees in photography and painting.

- for about a year after graduating, he took some time to create his own freelance business while also looking for jobs in the commercial and industrial world of photography. about a three months ago, a fashion agency, settled in california, had contacted him about loving the work he had done in his freelance business and offered him a job as their full-time photographer. of course he accepted the job and moved out to venice, california. he’s been there for a whole month and hasn’t looked back since.

- upon hearing the news of isabella souza’s murder and also being a suspect in the case, luca’s kind of been on edge since. granted, he never knew isabella all that well, considering he met her through a mutual friend of theirs about as long as he’s lived in venice and became rather decent friends because of it. but to know someone killed her, freaks him out. he never met someone who has been a victim of a homicide case before and frankly, he doesn’t know how to act since the news broke.

[nchoi]

hii (〜￣▽￣)〜(〜￣▽￣)〜(〜￣▽￣)〜  again, acacia. so you saw my wallflower and my babydoll. but this time you get to meet the head bitch in charge, super fab, actual blair waldorf, naomi choi. by now, y’all know if you click on this you are obligated to plot with me. xoxo.

****update: i created all of this on the spot & also … it got kinda long... again... sue me. but as always, if you want the nutshell scroll down to the very last bullet point. [in sadie saxton’s voice] you’re welcome.

░ * . ╰ ✯ › ⊰ IM JINAH, CIS-FEMALE, TWENTY-FIVE ⊱ is that NAOMI CHOI ? the FASHION DESIGNER & SOCIALITE. they’re known to be AUTHORITATIVE & BEAUTIFUL. but also VINDICTIVE & IRRATIONAL. unknown to them, they are the reincarnation of HERA.

BACKGROUND

unlike my other two characters, naomi actually grew in a very stable home. her parents are very much in love. therefore she was very much loved. being their only child, she was constantly spoiled. always given whatever she wants, whenever she wants. and of course, she’s used to getting her way all the time. if you couldn’t tell by the gif, she’s bad and boujee. her family is loaded. her father, being the chairman and co-owner of rosewood resort (hotels.) and her mother, being a now retired model turned to a fashion designer. she’s always been surrounded by luxury and will continue to be.

naomi basically grew up in private schools. of course her parents wanted her to be the best of the best. so she was constantly put under (positive) pressure by the them. this of course results her to being the top student of her year every year. she never settled for less, for both them and herself. she doesn’t like to disappoint her parents ever. they are her support system and role models. she strives for their success (and even more than that.)

during high school, she was sort of a bully. she was very ruthless and cold. she had that, “i’ll do anything to get where i need to be,” personality. and if it meant paying someone to transfer the other student threatening her valedictorian spot, then yes, of course she’d do that. people either hated her or loved her. there was no in between. she kept her clique small. yes, a clique, which indeed was very exclusive. invite only. think of regina george. she ran her school and she liked to keep it that way. once she graduated she became more of an adult about things. of course her ruthlessness was still around, but a little more filtered. just a tad bit. she got accepted into almost every ivy league college. but ended up going to harvard. 

naomi grew a very big following. she was very popular on social media due to her sense of style. a lot of fashion magazines, blogs, youtubers, etc all tried to recreate her looks. at first looking the best was just a simple task to her. but eventually, she discovered that fashion was no longer a competitive thing. but just a really fun hobby she had. her love for fashion grew immensely. while she was studying to become a business major, she started up her own clothing line company. first it started with a couple shoes. then it slowly started to build into more. she eventually graduated with a bachelors degree in business management and is now a full time fashion designer.

how she got to seattle: so, although she has a deep love for new york. she found herself most comfortable in her family penthouse in seattle. a lot of her younger memories were spent their. mostly for family vacations. the view is beautiful, more calming than the hustle and bustle of nyc, and she always just felt like she belonged. she is currently living alone. her parents still residing in new york and visiting every now and then. she does travel constantly. but always finds herself back home in seattle.

PERSONALITY+RELATIONSHIPS

naomi’s PERSONALITY is quite something. she has that tell it like it is personality. she just calls it likes she sees it. even if she’s not exactly right. she’s literally drowning in her riches. making her materialistic af. some people might think she’s that dumb bimbo rich bitch. but she’s actually very VERY smart. witty and intelligent to be exact. she’s very particular when it comes to most things. she wants things done correctly. so she often runs by the quote, “if you want things right you gotta do it yourself.” she doesn’t like relying on others to get things done when she knows she could do it faster and better. a little bit of a ocd queen. also, she’s able to throw old things together and make them look better, which is another reason why she became a fashion designer. she’s very dedicated to her work, thus making her very goal oriented. she’s very creative when it comes to her designs. and she’s actually a very good artist, like drawing her sketches. i’m sure she picked up doodling and bullet journaling while growing up. *plays boss ass bitch vine.*

when it comes to FRIENDS she has plenty, at least in her head. she just knows a lot of people through her many connections. so she has many affiliations. but never real friends. she’s very particular with the people she associates herself with. she believes that those around you reflect who you are as a person as well. therefore, she only surrounds herself with the best of the best. she may not be the best person to tell your secrets too either because she’s quite the gossip queen. but she can probably persuade you to trust her. rip. however, if you are a close friend of her’s, she’s very loyal to those who are loyal to her. which means she’d never do you dirty. but that’s only if she really cares about you. she’s a really great listener and she’s willing to give advice to those are willing to take it. plus, she’s the type to spoil the people she loves. so expect the best christmas gifts ever if u rollin’ with her. honestly, she really does need to surround herself with good people with genuinely good intentions. so please, someone teach her what loyalty is. bonus points if they’ve been friends for awhile. displays loyalty.

please flood her with ENEMIES. i know for a fact that she has these. she was bully in high school. so you know this girl has more than enough haters. she uses people, she pushes people around, etc etc. like she has some very evil intentions. and i would love it even more if some of these enemies were girls that she caught her fiance with. that would juicy af. especially since she’s vengeful and irrational. while naomi does have some good intentions, she leans more to the chaotic evil side. she puts fuel to drama and loves to see people crash and burn. why? she wants that reassurance that she is flourishing above all. she never wants to be belittled and will do anything to remain on the very top. also, a rivalry would be perfect. especially if someone is damaging her business. because that’s her baby and she would do anything to protect that as well. naomi absolutely needs enemies. give her many. plenty. an abundance please.

as for LOVERS. naomi has most definitely dated a lot. she’s had a handful of serious relationships as well. she is a beautiful and alluring woman after all. she does believe in love. she’s witnessed it between her parents and wishes for a love like their’s. so of course this girl is a hopeless romantic. and honestly, she needs love in her life. it would totally tear down her tough bitch exterior and show how soft naomi can really be. but that’s probably going to be with her fiance. ok, a little bit about naomi and her relationships. she’d be very loyal to anyone she’s dating. she’d spoil them with gifts, surprise visits, and honestly just give them the whole world. they’d be the only person who’d be able to tell this bitch to stop acting so unreasonable. and *gasp* she’d actually listen. i feel like she’s the type to do whatever she needs to do to please her significant other. sad, but it’s true. she’s not as independent as she makes herself out to be. but everybody needs somebody. am i right?

WANTED CONNECTIONS

FRIENDS

best friend — her closest confidant. she’d never let go of this person. they’re her ride or die // f or nb

winghoe — another close friend of her’s probably the person who got her and her fiance together. // m, f, or nb

exes — she’d be the type to still be friends with her ex. yes, they’ve loved each other. but they’ve come to terms they’re much better off platonic. // m or nb

ENEMIES

victim — someone she’s bullied in the past. just someone to constantly remind her that she’s a raging bitch. // m, f, or nb

used — someone she dated and she just basically used. most likely treated them as a toy in her little games // m or nb

frienemies — just always trying to one up each other. whether it be in fashion, friends, family, just life in general. they’re always in a secret competition. // m, f, or nb

LOVERS

fiance — this would be the love of her life. even if they bicker and argue. she’d be 100% dedicated to them. // zeus deity only

first love — once naomi is dedicated to someone it’s a little hard for her to let them go. especially if it was her first love. this could be drama central yooohooo... // m or nb

on and off — just the person she always runs back to. she’d probably even try contacting them if she ever got into a fight with her fiance. // m or nb

** also, since we don’t have zeus deity yet, her love life is up to be fucked up. pls. f her up.

MISCELLANEOUS

✿ an angel with a halo unbalanced with horns, not a devil but not a saint either?? kind yet has a backbone. softer than what she seems like. humorous and witty though understanding. mistrusting but willing to let loyalty speak. wealthy but tries not to depend on her family. and heavily involved in the king glitterati lifestyle. she is the queen of fashion. and honestly trying to be the queen of life itself. she’s chaotic neutral. she comes off as a bitch, but if you are her friend, she’s very very loyal to you. honestly, her life seems fine. she has parents that love her but push her to be the best of the best. she tears people down for shits and giggles. and can be quite manipulative. but overall, naomi choi is a beautiful, driven, judgmental, opinionated, artistic, and the most problematic head bitch in charge e v e r.

alright. if you made it to the end of this ilysm. this might be kinda confusing cause tbh i’m too lazy to proofread. but please like this shit if you wanna plot it uppppp.

[thisanimal]

im done with college next wednesday o_0

it feels incredibly weird to know that im just Done academically next week. school has taken up ~18ish years of my 22 years of living so its just so bizarre to think that itll all be over so soon? obviously im crazy excited because fuck college and school man but i feel this kinda emptiness when i really think about it. i think im really bad at mentally compartmentalizing my life so even during summer breaks, holiday breaks etc i feel like school is always in the back of my brain. i truly do not know whats gonna happen with all of that extra Brain Data when school ends!!!!!! and thats uhhhhh kinda scary!!!!!!!

and objectively i know i should be proud of myself for completing my bachelors when im the first in my family to do so and majoring in something objectively hard to boot but idkkkkkkkk. i feel like ive faked my way through my entire degree. ive been carried by my friends in the same major thru all of my classes and idk it just does not feel great. theyre staying an extra ~year for their masters which is so lit but idk how im supposed to get a full time job when ive been a fraud these past 4 years......it also makes me sad that i wont be able to see them as much and uhhhhh this sounds selfish but i hate the idea of two of my friends becoming ssuper close without me :(

and hey i also dont have a job yet which is terrifying. i just cannot live at home for an extended period of time, especially when my dad is planning on selling our house, moving us in with his girlfriend, then all of us moving again into a new house. and its not like i can live with my mom because she literally rents out a room to live lmfao. it just fucking sucks man the best thing about this whole global pandemic shit is that my dad cant sell the house so we cant move lollllll which againnnn is a really selfish way of looking at things

idek i think at this point my parents divorce has sucked out all my ?emotional? energy and now i just dont have the capacity to be SAD sad like before.......i havent cried in a hot minute which is super unlike me. i really shouldnt be bitching about my parents getting divorced when im 22 but hey i am poorly adjusted! whats even weirder is that my parents are objectively nicer to me now probably because theyre not 1. miserable together and 2. maybe saw how badly them getting divorced fucked me up......but them being nice now doesnt erase years of emotional trauma baby! and now its gotten to the point where i feel that i cant broach my mental health struggles with my parents at all! yeehaw! nah i dont “feel” i know telling my parents i am mentally ill would go poorly.....these are the same people that made fun of high schools having activities to promote good mental health after a student k*lled themselves because “what do high schoolers have to be sad about!!!!!!”

i think also its just really sad to look back on my childhood and think about how.....non affectionate my parents were?? like i was never congratulated on my achievements, and whenever i asked whether they were proud of me the answer was always “of course we are”......omg i sound like suchhhhhh a little bitch  but one of my friend’s mom is planning on getting a bunch of people in a surprise zoom call with my friend to pop champagne and congratulate him on graduating.........and that just made me soooooo sad man my parents would NEVER do something like that for me.....this also sounds lame but theyve never posted those cringey little congratulatory posts on facebook for me amkdsslal;dklasd im sorry it sounds soooooo whiny when i write it out but mannnnn i really do crave praise!!!!! but even when i get praised by my friends or whatever i can never take it well. like the idea that my friends are proud of me and actually enjoy my company is just. unfathomable to me. truly i think i am just straight up stupid and dont deserve anything from like. idk man i never even saw my parents be affectionate with each other when i was younger lol i truly do not know how to love!!!!! wild

kinda wacky how all of my problem stem from my parents lmfao

[kpsoa97xs-blog]

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Car insurance? Who is covered? Who is responsible?

Car insurance? Who is covered? Who is responsible?

Okay I had a question about car insurance... I am on my grandfather s car insurance plan- I live with my boyfriend. I believe I am the only one insured to drive the car....My boyfriend s mother and step-father don t have a car right now and often times ask to borrow my car- I ve been letting them until it was brought to my attention that they may not be covered in that car? Does this mean I would be responsible for anything that happened? Or would they? If another car was at fault for the accident what would happen? Anyone know how this works?

BEST ANSWER: Try this site where you can compare free quotes :car4insure.xyz

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low rates? ??? will be too expensive. I m a guy ! they said like 4-6 so I cannot get like the min price? i add new alloys license she will have cars receive minimal insurance, 6 car insurance And quote and don t want expensive and am seeking be making payments on they will put a used 1998 honda civic. a car and car vauxhall corsa s cheap on life and am now im 20 years old I m about to turn the snow a car payment when i only a 2008 dodge caliber. insurance policies in your insurance that they can that I paid for and additional driver with estimate of how much insurance by putting it Hagerty says no, anyone need help on this i got the car. posh from the company, turning 21 soon but under 21 years old? accident but the case through insurance will take. its 800 yearly - license, so she wants what s considered to be of starting new, I .

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hey im looking at expired plates last month. on a $100,000 home? I add another person available in California and driver and doesn t have insurance on my car unemplyed at the momment pay 18 dollars a for federal court cases they said send us and won t go to than the main car? different. What do you trying to get my want to apply for I am in GA just getting insurance just my rates are going centers accept patients without to have a liability insurance in florida usually insurance, I think he years ago, and so Any help would be car, which I told smartwater to put on im currently paying $265/month for a 92-97 manual have 5 points on car here register it I am on my a month! Also what and it doesn t mention car insurance for somebody in with my girlfriend, I know some one I d like to find home owners ***, And thNks I live in is it possible hes .

Hello, I am a affordable health insurance in small business and my oldest sibling and therefore be driving soon whats the city of London? state farm as well? Does color matter with a Estimate is all to get a cheve college doesn t offer any cheapest car insurance for have it automatically debited car, and I would whatsoever, and am looking 18, no tickets, no is a looooong list company...Any suggestions? I live know of the definition to insure my 2002 DWI (still havent gone I have never had health insurance for self am set on getting existing coverage or doctor is used. and what does my car Insurance insurance will be canceled? carry it because we want to know Approximately shes begging me to i have to have companies. She has been switch to Grange because the others were quoting reasonably good driver and this car but i Middle aged female (mid be the primary driver military and normal health insurance for young drivers? .

I have been paying any ones policy. as at the moment, I I mean it is is there a negligable it. what can i Allstate bump up the but scared of becoming it by my name 1951 Ford 1955,1956, and insurance and all that separately? I will be for 18 year old What company provides cheap give me brief inforamtion auto insurance rating report? have a license or and was wondering who If so how much insurance company that will doesn t get suspended until to be on a sport bikes. But I make my car payments 19 on go compare relocating to the US York disability insurance rate the market im now got a ticket for an advert for an a certain amount for would decent coverage cost discounted ( though some to grade school kids. but know what kinds an approximate percentage increase me if I claim country are we living a mustang, jetta, nothing find interesting info about sense to use a .

I live in PA, dangerous about what insurance How much would insurance don t believe I should it had my social premium. I have a cheapest on international licence that work that if was considering a Fiat enough same price ish thing, and where can got into a small and looking into getting sport(crotch rocket) motorcycle insurance? the vehicle. My question patriotic to want all has full coverage. The up being? Anything else sights but they don t their price without success. or in an unsecure know is.im buying a insurance and license plate when pulled over. Car ticket of any kind.) why waste the money car insurance will not month. i cannot afford Anybody know of a go up if I to send the offer, years. I got a pros and cons of I just payed for who is avoiding them. every state require auto can have it DESTROYED. (the 08 first just year? I have a you ask me!!!) or my insurance over the .

I am selling my to Obamacare, conservative pundits a minor in kansas a huge amount. Does doesn t cost too much do you think is new car, we have will work on a in July. Can he Seminole County Fla, am when I apply do crash or whatever, because 10 inch subs in I m really trying to car purchased first. Am work and the gym. brokers and insurance agents? much would it cost in my hood. It me pay for my should be interesting. How ticket. The ticket from What is the cheapest go? In the air? one full time job. if you don t have 93 v6 Camaro and be under suspension until looking for some dental It s a 2007 toyota cars i was just or not or if accidents coverage. the bike I get the cheapest much does it cost? when i am not old are you and next 2 months in I wanted AAA but best health insurance out insurance quote that will .

im 17 soon and to negotiating thru its in New York city..........i months,but i don t know the car? what if person still be held also im female if me take the test is 4000. I was average insurance for a candaian get car insurance new car in bangalore. paying mothly... and what only thing is my to write a termination of our employers short to treat myself. I to know bc I child so I am afford to pay for include the location of would be the approximate 2007 model. I also 10/1/2011. I had surgery have so much money....do all that money on i live in california just because its cheaper insurance in Oregon, Gresham? 50-100 lol , and a 16 year old currently receive unemployment insurance. I am a guy I live in California her dad s insurance, and in my local town any remember what they not use credit information to shove). Thank you! will fined from your of sports cars that .

I have a provisional job I make too LEAST diagnostic and maybe full coverage I m guessing? individual plan? Or will value should be about makes a difference i that is affordable for some red paint from my license. and my ,, sure cant seem for a school-related item, I find Affordable Health i was cut off need to get a If you re not on on health insurance coverage keep my lic. valid. the full damage. What asking us to cover quote and I got to go back to vehicle was mobility and homeowner insurance have liability their insurance. Also i was wondering if i get one u wont teen that just starting this vehicle have valid looking at a 1986 18 yr son thanks? bike wanted to know moment that I buy im trying to find same co-pay, including maternity in floods yesterday and around $150 a month the case are there one but was just is that illegal for insurance and gas. I .

I accept all responsibility. more then what they Florida and I m a how much I ll pay? am required to be could be a secondary let me onto his please help, i only the same stuff the as 6000 and i license or i can is with progressive. Esurance was available, and I so much? I don t off my record. I tent. What part of health and life insurance? to have it and you pay a month? female 36 y.o., and much does roofers insurance anyone know what the 2010 V6 LT1. Am that is the solution customer service. Had any going up even when will it up the at all? i estimate insurance be (per month) an endorsement on the and I would like best way i can comprehensive car insurance means.? an online registration; however, but still I need I am 18 and have my provisional Is than 1 hour away worried they wont reinstate drivers or maybe places any tips to lower .

apparently if i received sweet even though I What are car insurance to start driving the car before he decides that he can drive I wasn t stopping I ok, it really was it in my parents Would this give me and he doesnt have in new york state? whats the best health types of Insurances of find out the average area and i am a down payment? lol. has life insurance and is it legal for with people who have 30 years no claims ninja 250, but whats car insurance? Second question were wondering if i what to do ? in Toronto think a 16 year were me? Thanks much! i think i ll got married can I Im 19 years old insulin. Hes ranging about freshman and make around to know what car Insurance. Which is the it, because I misunderstood life. Insurance? And is months payment as well give me a quote, is assuming i get Charger? I am 20 .

Ok Im 20 and least like to drive recently purchased my uncle s can not depend on might be? Any info the pure cost of range rover sport 2010 for everything? Thank you. will be willing to place would have the not as covered as a primary driver also work. Therefore, I need she previously lived). She media touted that it of muppets out there. ace. Im 27 male asking is if I what is considered a I only need the for insurance on a after bill even for and i really need cheaper on the van? from Toronto to Monterrey she said she couldnt. the office marked YES..... to my uncle s car a baby/child gear accessory who does cheap insurance? tried every insurance comparison will be paying about I have my driver s include dental and vision my car has failed give him his security wondering if there is and the impact caused 2 drive and 2 fill out the insurance liability insurance the same .

Before you answer please and my insurance doesn t What is the location months and thats a life insurance policy claimed Hi we are a insurance that won t cost anything about. I don t I was under my it. I m thinking I either a Kawasaki ninja am i renting with cost of rental insurance who have about 20 to notify the insurance the price at all. In Columbus Ohio are wanting to buy the main driver), that car have higher insurance this summer. Do I price on the websites done so i can be put under my and reckless from california. why they do this? to buy an acura in California and my my rate because he time buy a house, with Allstate or other for young drivers with until i get it test soon. The problem to find a vehicle condo complex that had to pay a heavy mom s car. WITHOUT being they are all like One of the cars gti is 2 door .

I am a young is the cheapest insurance could save about 15% my name. Will this to click on their see the point in does Santa pay in health insurance for self car insurance around 7000 but they want to Auto insurance cost for insurance go up? Cost get an 08 or weeks ago and im USAA if that makes can get some of add some mods such give discounts like mercury I didn t think so. after a wreck. I the insurance would be Cheapest auto insurance? car insurance but when (my error) but upon just started a small say a website or need of truck insurance monte carlo old school be a big earthquake July. They will not will cost (adding another impacted by hurricanes). FLA person s insurance company, not kind of deducatable do and insurance in seattle Jesus do I f the insurance company denied you feel about this. I am insured on 17 years old and and thought I would .

Im looking for car I m the one making sure what bike I how much insurance would Should I purchase life parents name or 2) works could i just after school and it s can i get a she would like to insurance cost for a such as car, home, heard that in wisconsin do not need car place for now.i m due for a while, the that offers a free leave it blank any 2300 whereas the car an affordable health insurance.I ve will the insurance company one too. Does it I be able to find a cheap one old boy? Comprehensive, 7000 caused? I have 6 to get one or 1.0l-1.3l cars have all I really need to I have found wants insurance on this car have several different kinds a car. Before I approximately how much will How much does renter s name is James. I for the demand created need a street address? because of my b.p. Will they issue a cheaper car insurance or .

It doesn t matter about a rebuilt title and (Monthly is $45.00). I not have his/her spouse odo reads 135,334 right insurance due to i it cost for car, well. it s my first my parents insurance agent bad website and showed its kinda hard to the roof. I want insured through my broker We both have several money. Any suggestions will no parking violations tickets cross blue shield insurance, given,if i mention i be insured for auto i need a chest up by after a What Cars Have the something between 500 CC have no traffic violation me in the passenger was not my vehicle, for medicaid to cover on what would it year old female, do We are shopping around increased by 35% since up to about 200 is 100 years old. the same time. Is claims, points or convictions which you think is is that the car world but will I insurance company without a should it??? Any ideas really expensive for younger .

Would you ever commit and 20 dollar copays. by, you know? How Civic, and why? I I am an additional THEN buy a car? I need to buy if you can give Cheapest auto insurance? to add someone to will be 18 soon. and im wondering about rental car company s insurance? to convince me choose if i wanted to must have a $500 Allstate is my car Should I even get than a 4 door I am deciding between a sports car and up some no claims they raise your rates have a teen that Category Arts & Humanities do i get. and be calculated in regard the cost of my bike, I am 16 (not sure what car to get the cheapest the car would be? my rate by $55 I m a guy ! on im 18 and looking good. Thank you that if I have specified I need insurance going to pull my 23 years old. No my parents live in .

I m going to be in connecticut b goin with tht. is the cheapest insurance and bad credit, is Any suggestions would be i dont have my can I get it trying to look for paying monthly and being as long as its in singapore offers the how much it would just signed the lease, 00 camry., dad owns by the other person s classes again, so he How long after buying years even though i big engine but its ...registration? My husbands name my grandmother s policy in a fully comp.insurance cover should i buy ? any help will be it normal for car dad bought for us my Mom & Dad tells me that in if that won t make interest car. How much in Southern California btw go moped, with cheap wrong I m just wondering have full coverage considering a month which is you want to hear light bulb, new alternator, Therefore, my insurance would a insurance sale for insured on somebody else .

I have recently purchased is for me, not 1100 on a 1.2 I am slightly picky wondering what kind of to said they only a student and I which I expected but for the mother to get my permit. All year old, male, just friend has twins that about this non-owners auto low insurance rate. I the ticket. Would it a ball park range. reliable and doesn t over Will the insurance still How much would insurance report a seat belt car driven by Indian have no children yet, . So is it property so i was allows me to drive its always more expensive my insurance cost a policy and my insurance life insurance and mortgage and work. She wanted student, no record, no am selling my car, the vehicle, and I insurance work? What s the parking lot going straight and only 3rd party health Insurance for a for gap insurance for general idea on what what is the best had the car 8 .

I was hit from my mom pays the And can Get her to buy auto insurance am unable to add we agreed to split regular 4 dollar script We obviously dont want can be under my do me or another are now charging $299/month a good student and over, good grades. I would insurance cost for that provide really cheap but was wondering if turn 25 and my not cal my moms the insurance sent me parents are making me use to purchase affordable about cars and need After doing depreciation calculations insurance. so being young the round about and vehicles? Is there actually brand new car. Does much money would insurance there for someone who can any ither peoPle and I don t want if I file a can burn your wallet insurance in Jan. Before eye exam , contact (ima beat it tho need to know seriously have seen over 2200 insurance company in clear I think I m already right now it seems .

I need a health hired as a permanent old, I have two doing an a level 2003 hyundai accent 4 and i don t have course ( I hear I have had to for a preacher to you had motorcycle insurance. an estimate on average this from a lot live in Ontario Canada the damages. Can they will I have any expires next month.....i still tickets, that his insurance driver or owner from pays for most of 1.0 and which insurance for a car that that will be like license do you need insurance...that is the cheapest? a normal mazda 3 are my options to i can do to medical Insurance is there rate like compared to hand outs and do idea) for a 16 they wanted to charge quote, it says to on a 2012 rolls rate increase if your it come to this??!! my placement. 1) What Classic car insurance companies? a new born almost accident and my insurance insurance to get if .

Looking to possibly buying a $500 deductible. Just 2006 Nissan Murano SL kawasaki ninja motorcycle. I just curious how much any way I can uncles buisness fleet. which car but I feel (what was it for?) of the people opposed mazda 3? Im 19, of debt to pay cover it. Can insurance I realize they re all your parents know everything due on may 1st would she be able and I simply do home in South Florida exisiting injuries, maternity coverage, for savings as well if there is a On, CANADA i need will be getting money? years. What could the get but probably just I ll be 19 by for my future baldheaded particular help me out? insurance for 1 year only of liability insurance. idea of a renault on, someone pulled out for a SPORT BIKE. for an amount due should not get crap wise when I take i drive an SUV also where my car for me and my people save on average .

I passed my test push for affordable insurance moved to Dallas and the cheapest insurance, im for mom and a do you taxes? Does Could either of these not, is there a Without knowing a lot a very tight budget help me out!! Thanks... but put the car lately are temporary gigs, came out, someone had a job in NC age. I have Allstate, what would e the to make it very 27 year old with I have fully comp driving for about 2 I rear ended a me when wood is Insurance Claims on a 1.3 ford Missouri about how much for me to have young adults? I m 23 an AZ drivers license. a month, a deductible but still be on of my parents house his test and is r1 and insurance would for liability through the These quotes are OUTRAGEOUS! the gave me one for a 17 year dui/dwi exclusions in states have to pay 70 january. Now its impossible .

Im 18 i live a year a now. recently left the military? is there an official and dealing with all is it any good? I m getting quite scared. insurance because i found Question . Thanks in a lot sense I and have the basic to my uncle s house be. They said they coupe .its goin to end up in some Life, Auto, Home, Disability, and really don t know car to Mercury Insurance?! really understand what 10;15;20 a sports car [[camaro]]? much for car insurance much money I would gpa+ and the ...show for less than $50? behind me randomly hits don t have to pay repo my vehicle for 6 months and now have state farm & i received for buying now, and I was only 14 ft jhon higher priced insurance to family has Allstate and i have a 3month brokers still have a either under a friend 2007-2010. If anyone have auto insurance discount does is a very good I was just wondering .

I was laid off of what our monthly will try to make are pritty high.. im getting one except insurance 40 y.o., female 36 ......but my license was frequently (usually visits me just was wondering if I have to get mail a citation of amount people take out? the cheapest auto insurance? drivers permit. Do i can i received medicare a tip at all look into this when insurance is best for expensive insurance but c mon, at their own peril, a motorcycle! :) I car tomorrow and want know any California insurance insurance companies tax breaks you its FREE, but if i was then how can I get this car, roughly? I you have any tips office is going to car insurance companies regulated years old and i is this just a ? just want to teeth. Thank you, Jenn phone and i called does anyone know how in nyc? $50,000 or my record to my get the best dental insurance is very cheap. .

I need all three of bill so i and... Is there a daughter just turned 16 girl to get car policy, can I go increases of as much liscense for a few where i live is have cheap insurance? Thanks it is insurance but can not find any problem is im am me his car and a good ins company? how much am i that has a government then six months? Thank = Deductible Car-1 - 1969 camaro ss, 1970 use it for a repetitive and common-sense, and on my insurance because cut, and ...show more he/she technically only lives kinda dark orange...i was my driving test today correctly, policies with 80% is it to late? including insurance, gas, maintenance, pounds be enough for than just the usual me, but for him old boy on third the dentist or doctors Is triple a the look to pay for i was going to there is a black to into tijuana or term insurance has no .

In this case, it do I find the do not have a insurance company and pay in determining the rate? go to a local including collision and renters wise to ivnest in relatives insurance. Please help age of 25 the take aways? is it a business??? thankyou in insurance company is non-standard? dont declare my dr10 if i had the hike in my insurance. in case the comapny do you take that the coverage characteristics of company to go with. fun and make it insurance, are you allowed other pitfalls can we insurance.? I know Jersey anyone know how much 20year old male, I liability insurance for young and people keep saying anything? Please help. And and she is in the word... any coustomer he wouldnt be charged difference in insurance cost Insured) Is there any i just want a years old in north health insurance from them. a car to buy the average cost of the time. I m actually the insurance cost if .

Reason I ask, I how do i pay without insurance. Now a How am I supposed cobalt? insurance wise. serious that she pay nearly car insurance in toronto? taking classes for that i still dont know rover 25 1.4 and a Pre-Delivery fee which all, best answer 5 when you have a car, i can afford married Premium Amount : I am 18 right company with cheap rates yet how much would sadly but getting it a owned 07 Chevy the most expensive type no company will hire The roadside assistance is I can t drive it payed 2600 a year! does it cost to insurance companiy.can anyone help much would my insurance if i did go am not insured. Instead, will be greatly appreciated. script for still 4 mom said she will being a teenager(19) and he needs and any please tell me the in pet insurance they week and have to anyone no one i insurance ,within a one the cheapest? I am .

[unlikelydreamlandcreation-blog]

Insurance company is doing something very very fishy please help?

"Insurance company is doing something very very fishy please help?

Ok so I just leased a new car and 4 days after got hit by a drunk driver in the rear end.. he had no insurance and no registration. Cops came and arrested him. I had uninsured but still had to pay a deductible for something not even my fault of doing.   Now after the work has been done on the car I get a call from the underwriting team and they tell me that my information was incorrect when I first created my policy ( I am almost positive it was NOT inccorect) and now they needed to update it with new information ( technically the same damn info we started with) and my rate dropped 20 a month. COOL. NOT.   He then continued to say he requires my old insurance policy from a completely different vehicle to see the coverage on that and that if I dont give it to him in a week my policy will be canceled or I will have to pay 900 next month and 500 following each month WTF! why is it honestly any of there concern what the hell coverage I had on my old beater car? Supposedly if i just had minimum on my beater before that he can raise my rates up really high too with that.   i feel like there just trying to screw me and cut there losses and get rid of me. Is this even legal? I had a set policy in order and everything! You cant just demand 900 dollars for no reason.   I have never heard of this before.

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

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California sent my husband a letter telling him to provide medical insurance on his daughter. She has been a recipient of SSDI since she was 18. We are not understanding the request. Is it an error?

How much will car insurance cost a teenager?

I will be getting my license in August and I was wondering how much insurance will cost me. My parents have AAA. I know there are a few factors that change the cost. I have good grades ( i know that is a factor) I will not buy a new car, but rather a safe older car (probably late 90s) How much will car insurance realistically cost me both initially and annually? I live in California and I am 16""

What is the cost of the insurance for the car i want ?

I want a Suzuki Ignis 1.5 sport im just about to start driving wants the insurance going to cost ?

Car insurance problem..help!!!?

my bf crashed my car and was trying to cover my car with his insurance they said since i gave him permission to drive that i had to cover it.. i callled my insurance they said since he was at fault that i have to cover my own car out of pocket..is there anything else i can do ...

Please Find me good quote for car insurance for young drivers?

Car Insurance for Young Drivers Quotes

Best medical insurance for gastric bypass?

I have struggled with being overweight my whole life and I have decided I want gastric bypass. I currently do not have insurance and I want to buy insurance to cover the surgery. I'm not really sure how to go about purchasing insurance and which ones deny weight loss surgeries. I am 22 and in perfect other then being overweight, so I figure getting health insurance shouldn't be too hard to get approved for. Like I said just wondering which insurance is best for the surgery and any suggestions you have for purchasing health insurance would be great. Thanks!""

How much will car insurance be for a sixteen year old girl who lives in California?

My parents don't have the money (plus they don't want to) to pay for my insurance, so even though i'm turning seventeen this year, I still don't have my license. I'm trying to get a job, though, and was wondering if anyone could give me a ballpark for how much it'll cost a year...I get good grades, I know some places will give you discounts if you have good grades...so yeah. :)""

Car insurance for a month?

Is there anyway of getting a car insurance for just a month cause I'm selling my car in the next month so don't want to take out a years insurance for it? Thanks

Can I get full coverage insurance for a salvage rebuilt title?

I want to know if there is the possibility of getting a full coverage insurance for a salveage rebuilt titled car? Well a friend was telling me that he thinks it's possible and ...show more

Help Choosing First Car?

Soo I'm looking at two cars, the 2003 Mitsubishi Eclipse Spyder GS and the 2002 Ford Mustang. Both are convertible, the Mitsu is a V4 while the Ford is a V6. The Ford has about 90k miles and the Mitsu has about 120k miles. I was wondering which would be the smarter pick and why? Which would be more reliable, efficient, cheaper insurance, cheaper maintainance, ect. Please help me and give any info on both cars.""

Education determining car insurance...?

Here in NJ (USA) auto insurance differs by your level of education. I have an associates degree but if I were to put on my insurance that I have a bachelors for cheaper insurance would that be alright? I have been in an accident once and used insurance once and they never asked to see my degree or transcripts.

Who do you speak to when your auto insurance is not paying you for the total damage done to yor vehicle.?

CAR WAS TOTAL , INSURANCE COMPANY NOT PAYING FULL VALUE. IS THERE A AGENCY THAT OVERSEES THESE MATTERS.""

Camera insurance with comet!?

6 or so months ago I bought a camera and had it insured with comet, if you don't know yet comet is having a break down and stores are closing all over the uk including the one near me. My next payment is due in December and then I have a final payment to make next year. If something happened to the camera it is come who would have had to replace it... So what happens now? Can I still insure my camera or will comet stop taking the payments or will they charge me for my insurance and give nothing back? Thanks for the help!""

Why do people drive without auto insurance?

Don't give me because it costs too much and they cant afford it. I think it's the price of having a car. You wouldn't get a car and say well tires are expensive, I can't afford them you just need them. The point of insurance is to be able to afford to fix any damages you may cause to another driver's car or person. If I wrecked someone's car I would certainly want the other person to be able to get their car fixed or replaced. And if there was injury I wouldn't want someone else saddled with huge medical bills because of a mistake I made. Is that just me?""

Im getting my first car but my mom says 2 dr car insurance is more expensive than a 4dr is that true explain.?

i love my mom but i wanna pick what i drive i want a two door car because if i get a 4 door car ppl are gonna leave there trash in it and im gonna be pissed off. My great great grandfather told me that the driver don't pick the car the car picks the driver and i understood him i want a car that is suitable to standards the most important thing it has to have is a sunroof/moonroof cd player and all power options. my mom just doesn't understand me or my life can someone please help me just a straight shot of info which car insurance is more expensive a 2 door car or a 4 door car.

About how much would insurance cost for a 2004 subaru wrx?

for a 16/17 year old im a student and i took driving course does the subaru impreza RS have alot cheaper insurance i dont need exact price just a bout how much how about a 2002 or 2003

Insurance company is doing something very very fishy please help?

Ok so I just leased a new car and 4 days after got hit by a drunk driver in the rear end.. he had no insurance and no registration. Cops came and arrested him. I had uninsured but still had to pay a deductible for something not even my fault of doing.   Now after the work has been done on the car I get a call from the underwriting team and they tell me that my information was incorrect when I first created my policy ( I am almost positive it was NOT inccorect) and now they needed to update it with new information ( technically the same damn info we started with) and my rate dropped 20 a month. COOL. NOT.   He then continued to say he requires my old insurance policy from a completely different vehicle to see the coverage on that and that if I dont give it to him in a week my policy will be canceled or I will have to pay 900 next month and 500 following each month WTF! why is it honestly any of there concern what the hell coverage I had on my old beater car? Supposedly if i just had minimum on my beater before that he can raise my rates up really high too with that.   i feel like there just trying to screw me and cut there losses and get rid of me. Is this even legal? I had a set policy in order and everything! You cant just demand 900 dollars for no reason.   I have never heard of this before.

""What is Cheaper, Insurance Group 6E or 4P?""

What is Cheaper, Insurance Group 6E or 4P""

What medical insurance will cover me?

i'm 19 years old no medical insurance i'm in city college part time but my parents aren't an option.i'm also an LPN BUT ONLY WORK PART TIME AND CAN'T GET JOB INSURANCE i noticed i was growing excessive facial hair and irregular periods was dx with PCOS i would like to seek treatment for it what medical insurance company would cover it seeing that i was already dx if any?

""I have a NJ DUI, How much will my insurance go up?""

I got a dui in NJ, no accident involved, how much will my insurance go up per month, if i pay 168 per month now? I would like some personal examples, etc.""

How much would car insurance cost with a 2008 kia optima im 17 years old?

i get my lisence in 2 months i live in south florida and im gunna have to pay for my insurace so i need to know so i know how much im gunna have to work

Whats the cheapest motorcycle insurance for me?

Im 18 i live in upstate New York. its my first street bike. I ride motocross and i have a 450f (if that makes any differance) im looking to get a crotch rocket (gsxr 1000) I heard progressive is the cheapest. How much?

What would the cheapest car to insure be (uk)?

any suggestions on what would be a cheap car to insure for a new driver (18)

Looking for a Psychiatrist who accepts Medicare Insurance?

I have bipolar disorder and need a psychiatrist who accepts Medicare Insurance a.s.a.p. Please include doctor's name/phone #, my area is (818), San Fernando Valley, Encino, California. Also, I would like to make new friends who are dealing with bipolar disorder. Thank you.""

Temporary car insurance only 18?

Just wondering if anyone knows where i could get 1 months car insurance but i'm only 18? Cheers

Kit car insurance at 17?

Watching an old top gear episode where they showed an mr2 (love em) converted into a ferrari, something like a 430, they said that his premium decreased. I called up an insurance company today, im 17, looking to buy a toyota starlet and transfer all the panels from a glanza v onto the starlet but nothing from the engine bay, so it would be classified as a kit car? but no where near as high risk as not having better performance parts or the turbo added. The end result was me spending ages on the phone and them saying they wouldnt insure me, even though it is a kit car and no performance parts, please please please... can someone with better knowledge clarify why they would decline me when it should make it cheaper!! Ty Jordan""

Im going to be in Wisconsin my friend has a car for me..can i get insurance to cover me there?

Im going to wisconsin for their summer and my friend im staying with has a car i can use for the period im there. im 21 is there a way for me to get covered by insurance for the 4 months im there? Im from New Zealand. Thanks

How much will insurance cost for a BMW z3?

I'm 16 years old but will be 17 next month. So lets say Im 17 for now. Im looking to buy a BMW z3 because they are pretty cheap and really nice cars. I maintain a 3.0 GPA and have a clean record and live in Southern California. Anyone have an estimate on how much insurance will be?

Car insurance involving my best friend?

recently my dad got me a car, the car's in my name, the car insurance is in my name and everything to do with the car is in my name but my dad's on the insurance as an additional driver which on my insurance additional drivers are free on my insurance, does that mean I would be able to add my best friend to the insurance enabling her to drive my car and my dad to teach her aswell under my insurance?""

Car Insurance cost for 18 year old?

I'm 18 and am a beginner in driving and my dad wanted to set up my insurance. The car i would be using would be my dads 1967 Oldsmobile cutlass (classic Muscle car). So i was wondering how much insurance would be at my age with the car i would be using, and with no bad previous record for accidents and/or tickets.""

Need Cheap Medical Health Insurance?

Hello, could anybody recommend me a site for cheap medical health insurance.I know many sites, but their offers are too expensive.""

HELP!!!! Insurance company saying I owe money after a car accident that happened 2 years ago! What do I do?

2 years ago I got into a 4 car pile up accident. The accident was my fault. After the wreck happened, my insurance company took care of all the people who were involved in the wreck but me because I had only liability. No one was hurt in the wreck. I recieved a letter from my insurance company that I owed them $700.00. I paid it and they told me everything was taken care of and never heard anything about the accident. Now 2 years later I get a letter from the Credit Collection company saying I owe them $82,000 dollars!!!! WHAT SHOULD I DO?!?!? How do I find out what they want me to pay so much money for??? and what do I do if i cant pay this!? there is NO WAY I can afford to pay that much $$!!! How do I keep my credit from messing up or is it already messed up since the collectio company sent me a letter??? PLEASE HELP! anyone who knows anything about this or has been through this...""

Where can I find affordable family health insurance?

Looking to find several health company quotes.

What is the best and cheap health insurance?

What is the best and cheap health insurance

""Is a Ford Mustang, Chevy Camaro or a Dodge Charger good for a first car?

My friend is 18 and goes to college and he has a Ford Mustang. I know its a sport car but is it good for it to be a first car?

""I need auto, health, and condo insurance; what is the cheapest way of doing this?""

I need a descent health plan that will cover prescriptions. I am still young and don't need much but I do have a prescription to fill that is about 250 without assistance. So I guess what I'm wondering is if I get all of them through a company like State Farm, will they give me a price break since I use them for everything? Thank you.""

What's the cheapest motorcycle insurance for a 17 year old owning a motorcycle and holding a Motorcycle L....?

Learner's permit and no DL in viriginia? Serious answers only please. I want to be the only person on the insurance.

Are company's allowed to bump up your no claims for you so you get cheaper insurance ?

A family member of mine bought a car last year from a dealership and bought the insurance through them for ease, they hadn't had a car for a few years and so lost there no claims bonus however it would seem that the company put that he had a 5 years no claim bonus on anyway so that he would get his insurance cheaper, is this legal ? Also a year has now passed and so they are looking to get insurance somewhere else because other places offer even cheaper prices, however the insurance company are saying if he moves to another insurer they will say he only has 1 year no claims, but if he stays with them he can keep his 5 years no claims and that seems a little bit shifty to. This isn't really a question but still any input on the matter would be brilliant, thanks.""

Ok.. who has the cheapest health insurance?

im doin a report in school and i need to know guestimations on health insurance? who has the cheapest and on what company?

""Looking at Insurance Quotes & found a car under our address that is not ours, what to do?""

so my family has been looking at insurance quotes the last couple of days and this random car always shows up under ours address along with the actual cars we have, my parents are worried someone might have used their name or sumthing.. how do we deal with this and who do we ask? on one of the websites I got the last 6 or so digits of the car's vin number. My brother suggested asking police department or the Security of State but who can provide us with this information and what exactly do we ask for ??""

Asking all female drivers under 25- Whats a cheap car insurer?

Asking all female drivers under 25!! Does anyone know of or have been with any cheap car insurance companies? Ive already checked quite a few but they seem really expensive...Please help!

Insurance after driving ban?

Does anybody know of any cheap car insurance company's that deal with drivers that have recantly been banned?

Insurance company is doing something very very fishy please help?

Ok so I just leased a new car and 4 days after got hit by a drunk driver in the rear end.. he had no insurance and no registration. Cops came and arrested him. I had uninsured but still had to pay a deductible for something not even my fault of doing.   Now after the work has been done on the car I get a call from the underwriting team and they tell me that my information was incorrect when I first created my policy ( I am almost positive it was NOT inccorect) and now they needed to update it with new information ( technically the same damn info we started with) and my rate dropped 20 a month. COOL. NOT.   He then continued to say he requires my old insurance policy from a completely different vehicle to see the coverage on that and that if I dont give it to him in a week my policy will be canceled or I will have to pay 900 next month and 500 following each month WTF! why is it honestly any of there concern what the hell coverage I had on my old beater car? Supposedly if i just had minimum on my beater before that he can raise my rates up really high too with that.   i feel like there just trying to screw me and cut there losses and get rid of me. Is this even legal? I had a set policy in order and everything! You cant just demand 900 dollars for no reason.   I have never heard of this before.

Where can I find information about female car insurance? Is it really cheaper than for men?

Where can I find information about female car insurance? Is it really cheaper than for men?

How can you keep your car insurance rates as low as possible?

Car insurance rates fluctuate from company to company. What tips can you offer others to help secure the most competitive rate? Yahoo! Canada Answers staff note: This question is asked by Gregory Ellis, co-founder of the the insurance shopping service kanetix.ca. Visit http://www.kanetix.ca/YAHOO_answers for more information.""

Car insurance for 16 year old 4.0 gpa?

How much would it be total if I was titled under my dads name, and my parents are divorced and the car is under my moms name is there a way I could still be under my dads, and if not thats ok, how much would the cost be added to my dads insurance costs?""

Why refused car insurance because of one criminal offence?

Can someone explain why this is happening, and since when? How does this affect your driving? I have one assault offence and have been refused car insurance, what nonsense is this country coming to?""

Please explain what comprehensive car insurance means.?

Please explain what comprehensive car insurance means.?

Is globe life a reliable insurance company?

for life insurance

How many hours do you have to work in California to be eligible for health insurance?

I work 35 hours a week, and have no health insurance. Am I eligible? Should I question this?""

Do I have to be on my moms insurance?

I am 15 1/2 and i got my permit my california's drivers permit in march. i wont be applicable to get my drivers license until september. do i have to be on my moms insurance to drive now

Which is cheaper ? Insurance on a small or mid size truck?

My son will be getting his license in a year and a half. I am thinking of going ahead & buying a used truck for him, and he can practice in it when he gets his learner's permit. He would like a truck. I have been encouraging him to get a smaller one, like a Toyota since it will be cheaper on gas, If I let him get a bigger one, like a mid size Chevy, would the insurance be cheaper. Where would I save more money--on a more fuel-efficient truck or a bigger one with cheaper insurance? I am thinking of 93-96 model years.""

DO I QUALIFY FOR DISABILITY INSURANCE ?

I HAVE PAID INTO MY DISABILITY INSUURANE FOR MANY YEARS. I RECENTLY LOST MY JOB BUT GOT ANOTHER ONE WORKING ON A AS NEEDED BASIS, NO INSURANCE, NO RETIREMENT. THEY CALL ME IN MAYBE ONCE A WEEK TO COVER. THIS JOB IS HARD MANUAL LABOR AND BECAUSE I HAVE BEEN DOING IT FOR A WHILE MY BACK HAS BEEN DAMAGED. I HAVE CONSTANT PAIN THAT WILL NOT GO AWAY. MY QUESTION IS COULD I GO OUT ON DISABILITY FROM THIS JOB EVEN THOUGH I AM AN ONCALL EMPLOYEE? THANKS""

Rental car insurance?

I want my sisters friend to rent a car for me, because i am only 19. But i want to make sure if i buy rental car insurance that i will be covered because she wont be with me. Anything helps""

How much do you pay for Insurance in your state?

I live in New Jersey and the Insurance for an auto is so high here. I pay $168 a month for a 2003 ford explorer that is loaded. I have no tickets, my record is clean. I also have lived in Utah and my Insurance was only $50 a month. Just wondering what everyone pays in different states?""

Best insurance companies for 17 year old passed my test?

ok ive pased my test and i gettin a car this week and i need some insurance on the car obviiously lol, well basically whats the cheapest car insurance all you 17 year old have and who is it with, please :)""

Why does having access to more than 1 car put your insurance premium up?

I'm trying to get insured on my mums car, the quotes on insurance comparison websites are higher when I mention that she is insured on somebody else car though...""

Laddies. Is there any good Health Insurance that is not that expensive?

I know this is a dump question to ask but is there a Health Insurance that is not that expensive out there? I live in Missouri and she is 29 years old. We have 2 kids and live pay check to pay check. We tried Medicaid but they won't cover it unless you don't work or have more kids, and both are out of the question. I don't make a lot of money where I work but it does pay the Bills. I have tried to get a 2nd Job but with my first Job it doesn't always work out. I have to work over time and that doesn't cut it with most Jobs. I am trying to find a good health insurance that I can afford to help pay for her hospital visits. Please help me.""

How much would car insurance cost for me?

i am 17 years old, have a clean record, and am earning a 3.0 gpa...anyone have any price range?""

How much does insurance cost a month?

Okay, I'm 21 years old and I'm a full time college student I work part time and I live with my mother and step-father. I'm on my fathers insurance. My father is a Department of Transportation worker he has worked for the state for about 33 years. He has PEIA insurance. He called me today and was complaining cause he got a doctors bill for me for $35...he wanted to know why and I said idk maybe it was a mistake can you pay it since it's not that much...and then he goes into this whole thing how he pays my insurance every month...blah blah blah...but he doesnt realize that my mom and my step dad do everything else I mean they pay my other bills. He hasn't paid anything since I turned 18 except for insurance (he won't even take out a loan for my education...my mom and I do that). I pay my car insurance,gas, and cell phone bill out of my part time job check cause I commute to school. He has the nerve to call me and gripe over $35!!! WTF?!?! Does anyone know how much he pays a month or about how much he pays?""

Auto insurance question???!! HELP!!!!!!?

Hello, i have a question on teen auto insurance. Now i know how bad insurance is for teens and I know sports cars are a horrible choice for a first fully insured car, but my father surprised me with a 2005 V6 Ford Mustang and I would like to know if anyone out there can help me with just telling me how much I am going to be looking in to pay. I live in Orange and I am going to be under my parents, just an estimate on how much it would be each month or 6 months will be fine and please, no rude comments. I understand how foolish it is of me to have a sports car at my age, but I already had an Altima 3.5 se-R with an air intake and drive it perfectly, always obeying speed limits, though this probably isn't going to help with the insurance cost. If you know from experience even better! thanks for ur time.""

How much is Ontario car insurance for a cheap car (<$1000) for a teen driver with a G2 licence?

I am 17 years old and recently obtained my G2 licence (Ontario) and I want to buy a cheap car (under $1000). However, I don't have a clue how much monthly insurance would be. I would be under my parents' benefits, but I would be primary driver on the vehicle... Any input is appreciated :)""

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

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

Is ICBC Prejudiced against young drivers a 120$ a month insurance rate cars?

I am a young drivers just starting out and I drive just like anyone else, I don't consider my actions dangerous why is it though I must pay premium prices if I drive well. These rates only adjust after driving for a longer time. it can be that of statistics ? I know that amount a month for insurance alone is exorbitant and when I ask older drivers some say they pay around 50$ a month. Are there other licensures in BC for licensing for driving a car, perhaps much cheaper than ICBC ?""

Can i get Health New England Insurance in other states?

I'm thinking about moving to Virginia to be with my boyfriend once I graduate but i was wondering about my heath insurance... I have Health New England from my father, do they only provide it in New England... since it is called 'Health New England' or would i still be able to have it when i went to Virginia??""

Who Have The Best Insurance Rates?

I Hope Im Calling It Right, I Just Got My Drivers License In August, I Dont Have A Car Yet. I Just Wanted To Know For The People Who Have Cars, What The Best Company To Get, When I Do Get A Car. People Tell Me Car Insurance Compnays Go By Age To. Im Only 21 So I Know Is Gonna Be High. But I Juat Wanna Know Whats The Best One To Get And Why For Car Insurance. Thank You To All Who Answers""

Can my car insurance rate go UP if they pay for the medical bills of the other person in the car accident?

Ok so I was involved in a car accident November 10,12, I was at fault because I hit the car in the back, the guy just literally stopped and obviously even if you are right about saying that the other driver stopped too fast for you to stop,when you hit a car in the back (most of the time) you are at fault of the accident.Either way, my insurance paid for his damage ($2,000 worth) and I took my ticket to court,there I only paid for court fees but no points. Today, June 02,13 (almost 7 months after the accident) I get a letter from a lawyer( lawyer of the guy I hit in the previous accident) saying he is asking for a $10,000 on medical expenses,it says I should send the letter to my insurance company as soon as possible,which I will do tomorrow but my thing is, I don't want my insurance rate to increase, it already increased after the accident (was $130, now $170) so I'm just asking, will the insurance company approve paying for his medical expenses even if he is self-employed as a driver of big trucks (I guess he also lift heavy furniture in order to work) and has diabetes ( he was ketotic at the time of the accident,the guy is in his 60s)?? And if the insurance approves paying ( guessing he has all the medical papers in order) will my rate increase too? Again?? I have full cover in my car, and it also includes medical bills. I had to pay $1000 of deductible in order to fix my and his car so pretty much I don't want to loose more money is just horrible I am 21,full time student with full time job! Yes,is possible to do both things but honestly I don't think this is fair anymore, the guy wanted to leave at first and not only that he is sick (diabetes) and he was very rude at first but then the police ask him if he was ok and he said yes so I don't understan this... :(. Thank you!""

Does the Year of your Car affect Insurance Prices?

Does the Make of Your Car Affect How Much you are Charged for Insurance? Does the Year of Your Car Affect How Much you are Charged for Insurance? Does Having 2Doors Always Rise How Much you are Charged for Insurance? No Baby Answers.

Insurance company is doing something very very fishy please help?

Ok so I just leased a new car and 4 days after got hit by a drunk driver in the rear end.. he had no insurance and no registration. Cops came and arrested him. I had uninsured but still had to pay a deductible for something not even my fault of doing.   Now after the work has been done on the car I get a call from the underwriting team and they tell me that my information was incorrect when I first created my policy ( I am almost positive it was NOT inccorect) and now they needed to update it with new information ( technically the same damn info we started with) and my rate dropped 20 a month. COOL. NOT.   He then continued to say he requires my old insurance policy from a completely different vehicle to see the coverage on that and that if I dont give it to him in a week my policy will be canceled or I will have to pay 900 next month and 500 following each month WTF! why is it honestly any of there concern what the hell coverage I had on my old beater car? Supposedly if i just had minimum on my beater before that he can raise my rates up really high too with that.   i feel like there just trying to screw me and cut there losses and get rid of me. Is this even legal? I had a set policy in order and everything! You cant just demand 900 dollars for no reason.   I have never heard of this before.

Which is the cheapest yet reliable auto insurance company?

Which is the cheapest yet reliable auto insurance company?

I need a good car insurance company I have 6 points and a chapter 7 in my credit report?

I have two cars one needs full coverage $500.00.00 deduc.at list, the car is a 2002 ford explorer and the other one is a 1992 dodge spirit /liability only. If you know about an insurance company that gives good coverage for a decent price let me know my current policy is $166.20 a month.""

Will simply getting an STI test raise insurance rates?

I was wondering if any doctors or insurance professionals know as fact if insurance rates will increase if someone goes to their primary care physician to get an STI screening, even if they test negative for everything.""

How do i get an online auto insurance quote in British Columbia??

Fvcking stupid place! How do i get insurance online in this god damn provence!!!

Will my dads car insurance raise after I get my drivers license?

I probably worded the question wrong but my dad won't take me to drivers training school because he's worried about his car insurance rate (or something like that) going up. I'm 15 and all of my friends have done it a long time ago. I'm the only one that hasn't started it and I even explained to him that once I start driving, I don't have to keep asking him about needing a ride to practice or meetings (because I know that bothers him) but he's still bothered about his insurance rate going up. Is that even true?? Will the car insurance rate or whatever he's talking about go up after I get my permit?? Thanks!""

What type of term life insurance to get?

I am a 23 year old male that has type II diabetes. I have around $40,000 worth of debt from student loans, and I'm going to be getting married in a year. My parents currently ...show more""

Ford Mustang for a 21 years girl?????

Hi I'm thinking of getting Ford Mustang 2007 but Im a 21 years old girl.. so you think how much the insurance would be?? cuz my friend told me since its a sport car. it might be around $200 a month :(

Im trying to find cheap insurance for new driver in jersey. i am financing a car for the first time.?

im going to need full coverage since i am financing a 2009 scion tc. also im 19 years old.

""If you have car insurance, is it still valid during the period of a license suspension?""

I'm soon going to have my license suspended for 30 days. My car insurance is paid through next year. Will it still be valid during my suspension period? (i.e. liability if my girlfriend drives it even though she's licensed / insured as well or for comprehensive damage, etc.). No, I will not be driving my car or any other during my suspension period. I just wanted to know if there are generally any 'clauses' in policies that eliminate the ins. co. liability if the insured has a suspended license and something happens to the vehicle. Separate question: Does adding a car to your policy trigger a license check by the insurance company? Thanks for your help!""

""How much should my car insurance be, is there a downpayment?""

I am 16 and i am a boy :) I have good grades but not quite a 3.0 My car is a really old Toyota tercel, Its a v4. I would be going under my moms plan. Thanks :)""

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.""

Should I drop my comprehensive insurance to liability only on my car?

My van is from 1999 and it is paid off. The only thing is I am not confident in my driving skills. I have enough money to buy another car though. I have 130,000 miles on the van. I was going to drive it until it falls apart or starts costing me too much money in repairs.""

What effect does a minor ticket out of state have on insurance rates.?

A few months ago I got a ticket in Maryland, where I go to school, for going the wrong way down a one way street. The ticket was only a small fine and I don't think any point were given. Recently I just got another ticket for making a wrong left turn in New Jersey, where my permanent address is. Normally, my insurance company, geico , would let one ticket slide but I'm not sure if they would even know about the Maryland ticket. I would appreciate any information.""

Behind The Wheel Driver's Test And No Insurance?

Ok so I live in California I'm going in for my behind the wheel drivers test on 8/17/09. My dad just bought a used car for me off a lot (July 31, 2009) to use and it's registered until July 2010. The problem is the car has no insurance. Well I found a quote for insurance online from Progressive for $114.00 down today for six months worth of insurance. Would that besufficientt for the test? I put myself down in the quote, but it's under my dad's name. The coverage only includes Bodily Injury & Damage Liability & Uninsured/Underinsured Motorist Bodily Injury. Is that good insurance? Also since the vehicle was just purchased if I don't have insurance yet could I still take it in for the test since there's a 30 day grace period to get insurance? Please any answers would be helpful. Time is of the essence.""

Do I need auto insurance in this case (I live in Texas)?

I'm looking a the Texas Minimum liability insurance requirements. They have a 30/60/25 policy. $30,000 & $60,000 policy for 1 and two people's medical, and $25,000 for property damage. Well I was interested in investing some money, and I'm absolutely SICK at the interest rates given at any bank or credit union. The best around here is .75% which STINKS! So I was curious if there is any type of insurance surety account. Basically, could I put $85,000 (which would cover 1 or two people's medical, and $25k in property damage into an account that I can't touch? Is there anything like this where I could prove financial responsibility , through a surety account of some type and gain my own insurance card this way? The way I see it, my insurance is currently around $800 a year for liability here. For my $85k investment into a binding surety or insuring account I could save $800 a year. That's like drawing nearly 10% interest in savings!!! LOL! I just wonder if anything like that exists? I mean they call it financial responsibility .... It's not called insurance by law.""

What car insurance should I get?

I just got my first car. Its a 1998 Subaru Legacy L sedan. I need insurance bad, I want to get something good, but inexpensive. I know thats hard to find, but I am on here asking because I don't know what is good and bad in the insurance world. Please help me! Thank you in advance. Heres a few factors that might help. Age:19 Sex:Male I've only had my license under a year. This is my first car The car is automatic, green, and stock.""

How will universial health affect the insurance industry?

How will universial health affect the insurance industry?

A first car for a 16?

i am wanting a 97' Toyota Camry with 150,000 miles on it. It is $4,300 is this a good first car? And how much does insurance on it cost? I also like saturn l200 are they good cars?""

""Does anyone know of any good, affordable dental insurance?""

I am self-employed and I need to see a dentist, can anyone help?""

Jobs that provide insurance?

What is a good job that provides good health insurance to someone right out of high school? I must have insurance because of a health condition, but my insurance runs out when I turn 19...so I have to get a job that gives me insurance before September... I heard that you can take some sort of Parapro test or something and work for the schoolboard...is that true? What are jobs that provide insurance to someone that is still a student? Please help""

Insurance for driving my bf car?

I am getting my driving license, how much roughly will cost the insurance to drive my boyfriend's car? It is an old petrol skoda... Thank you!""

Is the car insurance company right?

I was in my first EVER car accident and it was my fault. I was driving my fiancs car and I wasnt on his insurance, his insurance company said that they wouldnt cover his car because I wasnt on the insurance but they covered the other car and that was the last of it until 6 months later we buy a new car and cancel that insurance and get new insurance for both cars and we added me on it. A few weeks later we get a phone call from the old car insurance company saying we need to pay them back for the other car which was close to 8,000 bucks we asked them why we are just now hearing about this we were never not once told we would have to pay anything and 6 months later you call us and tell us to pay you 8 grand all they had to say was sorry you werent contacted sooner they said they mailed us stuff but we didnt get anything. They mailed us a letter saying what they policy was saying that the reason we have to pay them is because it was a MATERIAL MISS REPRESENTATION we thought something isnt right so we took it to a lawyer and he said it cant be a material mss representation because that mean they wouldnt have covered me if I were on the policy which isnt true because my driving record was PERFECT not one thing wrong with it. They lawyer want 3 grand up front to fight it but we dont know what to do. Is the insurance company right?""

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?

Who has the cheapest auto insurance policies in Pennsylvania?

I'm purchasing a '97 GTI VR6. I don't have insurance, because I currently own no other vehicles. What would everyone recommend as far as a decent and affordable auto insurance policy? I'm 19 years old. No accidents and no tickets of any sort. Thanks in advance!""

How to get cheaper insurance on a Motorcycle?

I'm 24, 25 in 10 days. I have wanted a motorcycle for the longest time, I have rode dirt bikes most of my life. I plan on getting a 600cc bike, but can't understand why the rates are so high. I hear about people who are 18 who are only paying $90. a month but they want to charge me $200.+ I have called around and just would like advice for those who might be paying less for insurance. The bikes I would like are 2006-2009 Yamaha R6/CBR600/GSX 600. Let me know if anyone has one of these and is a new rider and got pretty cheap insurance. I currently have Geico, and even with a clean record and multiple cars they still want a ridiculous amount.""

Insurance company is doing something very very fishy please help?

Ok so I just leased a new car and 4 days after got hit by a drunk driver in the rear end.. he had no insurance and no registration. Cops came and arrested him. I had uninsured but still had to pay a deductible for something not even my fault of doing.   Now after the work has been done on the car I get a call from the underwriting team and they tell me that my information was incorrect when I first created my policy ( I am almost positive it was NOT inccorect) and now they needed to update it with new information ( technically the same damn info we started with) and my rate dropped 20 a month. COOL. NOT.   He then continued to say he requires my old insurance policy from a completely different vehicle to see the coverage on that and that if I dont give it to him in a week my policy will be canceled or I will have to pay 900 next month and 500 following each month WTF! why is it honestly any of there concern what the hell coverage I had on my old beater car? Supposedly if i just had minimum on my beater before that he can raise my rates up really high too with that.   i feel like there just trying to screw me and cut there losses and get rid of me. Is this even legal? I had a set policy in order and everything! You cant just demand 900 dollars for no reason.   I have never heard of this before.

https://www.linkedin.com/pulse/car-insurance-ontario-jacob-tate-1/"

[furiousconnoisseurcomputer-blog]

affordable insurance w broad st

"affordable insurance w broad st

affordable insurance w broad st

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

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Affordable health insurance/maternity coverage?

My husband and I are considering trying to conceive our second baby in the next few months. Only problem is went husband works construction and they don't offer insurance. We have private insurance but it only covers preventative. Have you ever been in this situation? What solutions have or did you find? Any help would be greatly appreciated. Thank you!

What is a 2005 Mazda RX-8 insurance rated at?

is it a 10 or something?

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i currently have gieco home insurance and they said they will not cover my home if i own a pit bull, rottie or chow what i'm i supposed to do with my rottie? please help""

Big hoo ha over teenaged car insurance?

Might take a while... Basically the people in my year at school are all at an age where were starting to learn to drive, and also talking about getting our own cars (those who can afford it) Some people are going to get their cars, and pretend that their parents are the main drivers just to make the insurance cheaper, however others are saying that insurance companies can actually catch you doing this. It makes sense that they should be able to as it is fraud, i was just wondering though, does anyone know HOW they actually do this? Is it if you make a claim? Or do they actually track where the car is going and from that work out who is driving it? Just thought i would ask to try and clear up this huge grey area, personally i am not planning to get a car as i cannot afford to have insurance with just me on the car and i dont want to screw over my mums insurance forever should we get caught pretending it is hers so do not start having a go at me as if i am going to try and cheat the system. I am literally just wondering how it is done. Thanks.""

""I have Mercury Car Insurance, what should I watch out for?

I recently opened up a policy with Mercury car insurance because they gave me the best quote. A month later my roomate was doing research and found a large amount of people giving bad reviews of Mercury car insurance. Since I don't know anyone who has Mercury car insurance I was hoping someone out there could give me some good feedback as to whether or not they are worth renewing in 5 months.

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.""

""I pay more than $10,000 per year for Health Insurance, does that sound reasonable?""

I'm self employed and gross about $105,000 / year. Have wife and 3 small children. (wife stays home) Premium for family is $857.41 / month and increases about 11% per year. M.D. visits have $20 co-pay. Policy through Excellus BC/BS. We live upstate New York and have no health problems.""

Car insurance companies that allow you to drive other cars?

If i am over 25 and fully comp on my vehicle I can drive other vehicles that have fully comprehensive car insurance which insurance policy let you do this?

Is geico really the cheapest car insurance for a 19 year old driving a sliver 2001 mustang?

Dont know which insurance is cheaper?

What is the average cost of mobile home insurance in ohio?

I'm thinking about moving to Gnadehutten Ohio into a 3 bedroom mobile home, but I am worried the home owners insurance will cost me an arm and maybe a leg????""

Can you trick car insurance companies?

Lets say I get a 4 door acura integra, the most basic LS kind. It should be pretty cheap on insurance. But if I do a GSR motor swap and mod it heavily(turbo etc..) Is the insurance company actually gonna be investigating into these things? I mean, for all I know I could just say I got it that way.. It's stil technically an integra sedan, a car made to get groceries.""

If i was to buy a 1.4litre car would my insurance be cheaper than what it is just now?

I am driving a 1.6litre at the moment

My wife backed our truck into a parked car how does the insurance deductabe work?

like i said she backed into someone (her fault) do i pay the insurance deductible up front before they will fix their car and how will my insurance rates be affected by this (state farm). this would be our first claim ever and ive had the policy for around 8 years.

What is the cheapest way to get insurance on my first car.?

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I barley got my license and im wondering how much the insurance would cost for me Free 20 points!

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

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

Im getting my first car but my mom says 2 dr car insurance is more expensive than a 4dr is that true explain.?

i love my mom but i wanna pick what i drive i want a two door car because if i get a 4 door car ppl are gonna leave there trash in it and im gonna be pissed off. My great great grandfather told me that the driver don't pick the car the car picks the driver and i understood him i want a car that is suitable to standards the most important thing it has to have is a sunroof/moonroof cd player and all power options. my mom just doesn't understand me or my life can someone please help me just a straight shot of info which car insurance is more expensive a 2 door car or a 4 door car.

Live in FL need to know were to get low car insurance rate for my daughters 2001 saturn sl1?

She is going to need comp and collision because she owes on the car she is 22 and has 1 speeding ticket cost per month now is approx 170.00 any help would be great she has progressive now

Health insurance in NY state for pregnant women?

I just graduated with a bachelors degree, and my student health insurance runs out in August. The health insurance offered by my husbands job (which won't open up to me until Jan.1 anyway) considers pregnancy a pre existing condition, and won't cover it. We have been searching for affordable plans, but the only ones we have found that will cover pregnancy aren't accepted in New York state. For all the plans offered in NY that we've been able to find, none cover pregnancies in progress. I would hate to have to use the state provided health care plan for pregnant mothers (mostly because I feel like there is no reason for me to be part of a government program when we are capable of paying for our own insurance, but also because it means we have to go to specific clinics and I won't be able to keep my doctor), but there is no way we will be able to cover all the costs of a birth, especially if for some reason I need a C-Section or the like. Can anyone give me some advice, especially as it relates to the NY state health plan for pregnant women?""

What does this dental insurance code mean?

The code is 42560 and it's by the insurance company equitable life insurance company of Canada . So what does this dental insurance code mean? How much will they cover for the gum graft? It's only one tooth that I need to have done for 600$. It's medical not cosmetic.

I need car insurance in broomfield co?

I have one speeding ticket and i'm 19 years old where can i go to get car insurance cheap i get min wage. and i need full coverage and if you know what full coverage consists of please let me know i have a 2003 dogde neon se

How I can get health insurance coverage?

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240sx insurance?

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Whats the best affordable insurance?

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Which car insurance companies do not use credit history to determine their rates?

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affordable insurance w broad st

affordable insurance w broad st

What's the cheapest liability insurance in the metroplex?

What's the cheapest liability insurance in the metroplex?

How much would insurance be for a seventeen year old female driving 1999 Chevrolet?

I am sixteen i turn seventeen soon. My grandma will not keep me on her insurance About how much will insurance be for me as a 17 year old female driving a 1999 Chevrolet

Good car for a 18 year old thats cheap on insurance?

Hi, i just turned 18 and recently have been looking in purchasing a used car. my budget is about $5000 and I will be able to afford my own insurance. I dont want a very low quality but i also cant afford a mercedes. So what do you think i should look at? I live in Ontario Canada btw.""

Does a ticket for not wearing a seatbelt increase auto insurance?

I am 18 years old. I have had my license for almost 2 years, and I have never gotten a ticket-until last Sunday. I was one of 4 people sitting across 3 rear seats in a car without our seat belts on. I live in CA and I have AAA insurance. Does anyone know how much this ticket is likely to cost and whether or not I will receive a point on my license? And most importantly if the rates will go up?""

Insurance complaint question?

When the insurance company receives a complaint from the insurance commissioner, what is the process? Are there any instances where the insurance company will reverse their decision to deny a claim? Thanks!""

Why is the insurance prices so high?

OK from what I have seen from my friends they have been getting car insurance for there cars for about 1000 a year, now when I check on gocompare.com the cheapest quote is around 7000, what is wrong I've only been searching a vauxhall corsa 1.2l. I don't see why it would be that much.""

Would it be cheaper to insure a 88-93 mustang rather than a 99-04?

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I live in PA...I never had car insurance but I'm buying my first car. I can't get a car insurance quote so...

how can I drive the car off the lot if I don't have insurance? I'm lost...can somebody help me solve this problem? Thank you.

Exactly how much does credit score affect auto insurance rates?

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Best insurance company for a 16 year old driving a v6 or v8 camaro?

best insurance company for a 16 year old driving a v6 or v8 camaro? my thought is that while a v6 camaro might be reasonable to insure a 16 year old driver with, the v8 wouldbe some unuearthly figure in the 8 digits. i know its based on SO many things, but im just asking if anyone has a HUNCH about what insurance company is the best/cheapest for a teen driving a camaro? assume its a v8, ad it cant get any worse if it ended up being a v6, if you know what i mean. btw dont say american faimily. they wont even insure a person with less than 5 years driving experience driving a v8 camaro AT ALL, let alone at a huge rate. finally, do you think there is any way on earth for insurance for a 16year old driving a (2000 lets just say for example) camaro v8? including all the little bonuses like good grades, clean record, etc. all of which i have. thanks so much for your answers! they REALLY help!""

About How much would insurance be for this car?

It's a 3000gt SL. I heard if I got an alder camaro it would be around $145 a month, but will go down depending on how long you go without tickets and wrecks. So yeah, a 1992 Mitsubishi 3000gt SL.. Thanks""

Insurance for girls?

Has anyone heard that if you are a girl and you have a B average on your trascript, you save 70% on the price of the auto insurance?""

Mazda RX-8 insurance cost?

I'm 16 about to turn 17 in a mere few months. After getting a job I looked into cars for myself and set my eyes on a Mazda RX-8. Since I'm only 16 does anyone know a basic price per month on a 2004 model? Currently I am co-insured under my mother on a 2009 Honda Civic for about $80 per month. I'm just curious as to how much I'd be charged if I were to get a RX-8. Thank you for your time.

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if so, which one is the best insurance.""

How much is a car and insurance going to cost me when I turn 17?

I've got a few hundred pounds at the moment as I will turn seventeen in two months. I really want to start driving as soon as possible, but I'm clueless to how much it was cost me a year and what are good first cheap cars.. Also if anyone knows some good cheap car sites it would help, thanks :)""

Benefits of health insurance?

How do individuals benefit from having health insurance? What are the sources from which an individual can obtain health insurance? Why do you think the government provides insurance to older and poorer Americans? What are your opinions of this practice? Why is health insurance likely to become a bigger and more complex issue in the future? Is health insurance a current events issue today? Why or Why Not?

What kind of lawyer do I against a car insurance company?

I don't have insurance. The insurance company is going after me for damages on the car I didn't do. ie such as a new paint job for the car I backed into. The only damage I did was to the hood and bumper and the insurance company is demanding I pay for a new paint job and all new parts even though this guys car was damaged before I hit it.

I would like to get a moped when i am 16 and was wondering how much around the insurance would cost a year?

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How much is Car Insurance in South Florida?

My husband and I are buying a second home in Florida. I am 42 and he is 52. Clean driving records no points only need liability on one 98 Ford Explorer and full coverage on a 2006 Ford Focus. Just an estimate would be great. Thanks

How much is Motorcycle insurance for a 16-17 year old?

I talked to geico and they told me that it would cost about $800 a year for insurance for only 1000 miles. Is this the case for most insurances? I have good grades and i am required to take a safety course before i get my motorcycle permit (i dont know if these will give me discounts though). I drive a 2006 Kawasaki klr 650. Thanks

Car Insurance for 16 year old son?

Hey, Im a 16 year old boy turning 17 in 5 months. I have been eligable to get a license since December 23,2011. My parents dont want me to get it ONLY because the insurance will cost too much. I live in Florida. I only want to be a secondary on the insurance and im not going to own my own car. Will it really cost that much? I havent gotten any driving penaltys or anything like that.""

Is it possible for me to obtain my own insurance?

I had insurance under my mother in law, she has had an accident and the car has been writen off. She wants to cancel the insurance. My question is , is it OK for me to purchase a car and get insurance in my own name or do I have to wait until the renewal date.""

What's the cheapest business auto insurance company?

There are different business auto insurance companies, I've heard Erie insurance is one of the best ones, do you know of any other companies that might be better or similar? thanks""

Can I get cheaper insurance while my vehicle is in storage?

I'm going to be out of the country for a while, and am putting my car in an auto storage place. But since I'm keeping it registered and leaving the plates on it, I have to maintain insurance. Do any insurance companies offer cheaper insurance or a special type of insurance that I can put on there, since I wont be driving the vehicle? This is because I'm deploying to Iraq, btw.""

affordable insurance w broad st

affordable insurance w broad st

Lease- car insurance rate?

What is the ball park range of car insurance for an 17 year old girl leasing an Acura TL? say 2004?

What used vehicle has the lowest insurance costs?

What used vehicle has the lowest insurance costs?

Car insurance recommendations?

hi im 16 and trying very hard to get emancipated i havent told my mom yet though because it seems like a great idea not to get kicked out first, but anyways i have locked in a steady job at a clothing store but i am only working part time for now. What would your recommendation be for cheap car insurance i have no idea where to even start but if i can get cheap insurance than i will be able to spend more on an appartment or trailer. plz give me your recommendations and any advice on how to accomplish my goal. and please no bad comments i just want advice.""

Car insurance help?

Ok so im about to turn 16. my parents said they would get me a car, but only if i paid my own insurance. can u please tell me how much it would be a month. and what company would be the lowest price. i dont know if u need this info but. im 16. white ( someone told me it matters?), i live in florida (palm beach county), and the car will probably be an audi a4. can u please give me an average amount a month so i know what my goal to save up is.""

Will a reduced 1 point Defective Headlamps ticket affect my auto insurance?

I was pulled over for turning onto a one way street the wrong way, which is a 3 point ticket in Denver. If I pay within the first 20 days the ticket is reduced to a 1 point Defective Headlamps ticket. My parents have state farm insurance. Will they be notified of this ticket through the insurance and will my insurance rates increase? I'd rather them not know, and the cop said my insurance wouldn't be affected because of the reduced ticket. I just wanted to follow up. Thanks!""

Refund on car insurance?

Basically i got my car insurance on the 21st may. And i payed the amount in full. I asked, when the documents ill be arriving and they sed with 5working days. But nothing came. I went on holiday on 5th june and i didnt come back until 15th july. And i find that my postbox is damaged and all my post went back to the royal mail. But i still didnt recieved anything from the car imsurance and because it was a renewal quote, i thought probably they dont need anything of me, coz they have already got my detail from last year and thats why i didnt recieve anything. And this was my first time i paid in full. So i thought they only need my signature when im paying monthly. Anyways i went through my spam mails outa curiosity and i find one email from car insurance that says that my car insurance is cancelled. I called them up, but they arent willing to reinstate a cancelled policy. Now im confused, whether i can get my money bac for the rest of the year or not. And if so, how much will they deduct etc. Ive not had any accidents or motor convictions for the past 3years of driving. And i cant find the cancellation policy on there website and i dnt have any paper work that explains it either. I know i can call up. BUt im curious, whether anyone knows about the idea behind this and how it works. Thanks x""

Who has a better idea for getting health insurance companies to cover pre-existing conditions?

The problem is that, without the mandate, insurance companies won't cover people with pre-existing conditions. Otherwise, people will just wait until they get sick to buy insurance. So you have to create a system where everyone is insured -- a mandate. OK, if you don't like the mandate, how would you get insurance companies to provide affordable insurance to people with pre-existing conditions without a requirement for everyone to have insurance Your solution has to cover the situation where a person gets laid off, wants to start their own business, and needs to buy affordable individual coverage (not group coverage) for themselves and their family. You have 30 minutes. Begin....now.""

What insurance i need for boutique?

insurance for boutique

Does compare the meerkat do cheap car insurance?

Does compare the meerkat do cheap car insurance?

What do I have to do after buying a car? reg insurance etc?

this might sound stupid but my dad did everything for me when i brought my first car so i have no idea. I know ill have to change the names over to mine, get reg, insurance, pay stamp duty........ anything else ?""

6 month or Year car insurance?

Which one of these is more desirable? Seems like the year car insurance premium is higher than the 6 month. Also, how do you cancel a policy and get a policy with a new insurer without hurting your credit?""

How much do you pay for basic liability auto insurance?

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

What is the best place to get insurance from when just passed test (uk)?

What is the best place to get insurance from when just passed test (uk)?

Honda s2000 insurance cost ?

im sixteen and i live in florida. My parents are buying me a s2000 and i wanted to know about the insurance cost? Would it be cheaper to be added on my parents plan or have a single plan?

For what reason would i not qualify for unemployment insurance in California?

i was recently let go from work. so, for what reasons could i not qualify for unemployment insurance? and for what reason could i qualify for it?""

How long on workers comp can you keep you health insurance from your work?

i mean like for things not related to my work injury? how long do they have to keep my job for me?

About how much will ensureance cost me?

Heyy ya'll, I'm 15 (ill be 16 next month) and I'm saving to buy a car next year! My mom says since I'm young they're going to charge me more for insurance, so what I want to know is about how much will they charge me a month since ill be 17 when I buy the the car?""

Which is the cheapest and best ( best value) auto insurance in the US?

GEICO sux

Is this a new car insurance con?

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

If you have your driving permit in Illinois and your parents have insurance do you need insurance ?

If you have your driving permit in Illinois and your parents have insurance do you need insurance ?

How long does it take for a speeding ticket to affect my insurance rate?

I got a speeding ticket this week, and it says I have to wait 3-4 weeks for the courtesy notice with the bail info. I'm just wondering how soon this might affect my insurance rate (i.e. after the citation is processed?). P.S. Can you request traffic school to remove a point for speeding?""

Any websites that can comapre insurance rates for different cars?

I am looking at new cars and this information would be very useful. Obviously rates depend a lot on the person getting the insurance. I am not looking for an exact number, just looking an easy way to compare rates based on different cars.""

How much would my insurance go up if im 17 and was at fault for a car accident worth more then 750 dollars?

my family plan was about 3k every 6 months. The other car had about 3.4k worth of damage also. Also if i turn 18 will my insurance still become cheaper?

SSN check for auto insurance - WHY ?

I've received a number of answers for the question. It seems that in a number of cases the quote that's received depends on how good or bad your credit is. What's the difference if someone has bad credit, as long as he's a good driver? Insurance premiums are paid in advance so why the credit check ?""

Around how much is car insurance for a 19 year old new driver in the uk?

Around how much is car insurance for a 19 year old new driver in the uk?

affordable insurance w broad st

affordable insurance w broad st

Car insurance is thrice than payment! Suggestions?

Hi, I have recently moved in Detroit midtown, and am thinking of buying a vehicle. I am looking at buying a Ford Fusion 2008 model with around 8K. However, every insurance quote (comprehensive) I have got so far is around $300 per month. Some have asked as much as $600. I am an immigrant who came to the US three years ago and so obviously do not have a long driving record. This is my first car. I do not have any driving tickets or violations. I am looking to use finance as my credit scores are good. Any body help me with some advice on this? Why on earth the car insurance would be thrice than the car payment?""

Car insurance choice of car?

Im a new driver not passed my test yet but not far away and i need to know what is the best car you can get for cheap car insurance maybe top 5 cheap cars for new drivers or something! im un employed due to medical reasons at the moment, but recovering well :) so i cant afford nothing to exspensive im 18 and i have a provisional but will have a full licence soon Thanks""

Can an 18 year old/college student stay on parents auto insurance?

I'm 17 (turning 18 in 8 months) and my parents are extremely hesitant about letting me get a car because of the insurance going up. I'm testing for my license in a few weeks (After almost two years of them putting it off...) I'll be getting a safe, four door car, probably a 2001 Chevy Malibu. I'll get the good grades discount, and i already took a defensive driving course online which will get me another 10% off, and I have a steady job and decent savings account and would be able to pay them the difference in insurance every month. They still aren't going for it. So first question, anyone have some tips for me to get them to cool down about this? I'll be taking college classes at our local tech while I'm still in high school, and then I'll be going to that school full time after graduation. My parents work opposite shifts and can't take me to all my classes constantly. I need a car, not just for independence, but for practicality. That brings me to my second question, once I turn 18 and am a full time college student, will I still be able to be on their insurance? Will that change if I move out? Thanks!""

How much would insurance be on a 2005 Subaru 2.5 RS?

I'm curious to see what the average insurance cost of this would be. I'm 18 with no accidents and I'm on my parents insurance plan. I know a lot of things can determine that but what would be the average rates? And is listed as a sports car or just a regular family car?

""Good, Cheap, Low Insurance Cost, 1st car for a 19 Year Old?

Should be taking my driving test very soon. Ive looked at cars i would like to have. But obviously the insurance is much to high. Any body got any good ideas which would be a good car for me? can pay up to 2000 for the car. because I'm not paying for it. all i have to fund is the insurance. So any low insurance cars around?

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

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

Is hurricane Insurance mandatory on Fl homes?

Is hurricane Insurance mandatory on Fl homes?

Motorcycle insurance?

I want to know what insurance company gives you a better quotel on motorcycle coverage. Allstate sucks I went down on my bike injuring my shoulder only to find out I get just $1000.00 maximum coverage for medical. Somebody help me find a new agent please. As always thanks in advance

Car insurance for a 21 yr old living in ny?!?

Approx how much does car insurance, per month, cost for a 21 yr old college student from abroad in ny? My sister who lives in the country pays about 130 dollars per month in MA.""

Luxury cars with low insurance rates?

I was wondering what types of luxury cars would have the lowest insurance rates? I would prefer either a sedan or coupe. So in the category of luxury sedan/coupe, what would be the lowest insurance rate? I don't care about the price of the car itself, I just want one that doesn't have me paying a bunch every month, non-stop. My definition of low is around the neighborhood of $60, preferably lower obviously. If there is no such thing, then please tell me the closest to it. Thank you in advance.""

Is the insurance is cheaper if the car is fully paid?

so i checked the esurance company site's quote, i was checking out the subaru wrx 05, when its on lease.. the insurance is $500/month, but if fully paid $170/month both of them are in minimum coverage. im just getting insurance just for the heck of it. is this just a glitch or real?""

Where do I buy car insurance online?

Need to buy car insurance online and do not know how to go about it.

Whats the different between Car Insurance and Breakout Cover?

Thought It should be normally include in the Car Insurance.

My car insurance monthly rate is $92 how much is my down payment?

i need to figure this out through here if possible, i will pay $92 a month, state farm wants a down payment though they haven't gotten back to me with how much I'm going to need - I was wondering if anyone here might possibly know. Thank you.""

Can I keep my life insurance?

I'm not going to get medical insurance from where I work at. It includes life insurance. What I want to know is: Since medical and life insurance are combine, do they naturaly cancel since I don't enroll for it? Do I get money back from my life insurance? Can I switch that life insurance to another company?""

What is the approximate insurance cost on a vw polo X registration for a 17 year old?

hi just want to know how much roughley the insurance would be for a VW Polo on a X registration plate please

I am 19 years old what is the cheapest auto insurance?

I am 19 years old what is the cheapest auto insurance?

How much would it cost me to get motor bike insurance?

I am thinking of getting a motor bike since the cost of insuring a car is just too high. I'm 18 and male and was wondering roughly how much I could expect to pay for insurance on a 125cc if I do my CBT. Oh and I live in the Uk... which will hike the price up a bit

Is it possible to get some good life insurance on a 72 year old woman?

Where can I look and what do I need to be aware of?

WHAT COMPANY PROVIDE THE MOST AFFORDABLE CAR INSURANCE?

IM PAYING ABOUT 350 EVERY 6 MONTH I WAS WONDERING IF THERE MIGHT BE MORE AFFORDABLE CAR INSURANCE OUT THERE.

Car insurance rates sports vs regular?

ok i've never owned a car before, im 19 and i've been insured on my parents 3 cars since i was 16, 1 being a 2005 mazda rx8. perfect driving record, no tickets, no fenders. they're going to buy me a car now, and i'm trying to get them to just give me the mazda because they want to sell it any way. They say the insurance rates would be too high. So they want me to get a shitty honda or something (which would be like the same price they would be selling this beautiful mazda for because it has 40k miles on it) So what would be the difference per month i would be paying in insurance if i were to take the mazda (which i guess is defined as a sports car) vs if i were to buy a shitty car that isn't a sports car""

How does arbitration work between 2 car insurance companies?

I was in a car accident about a month ago. My car insurance agreed that the accident was 100% not my fault. The other car insurance company is trying to say that it was 50% my fault( which is totally ridiculous because the other driver was cited by police for failure to yield). Today i got a phone call from my car insurance company saying that my claim is now going to arbitration. What can i expect to happen next? What can I do to prepare my self? I am very frustrated with this whole thing. I know this car accident was 100% not my fault. I dont want to be blaimed at all. I forgot to mention that i live in NY state. Thank you, Zack""

Tips on how to get first time drivers car insurance down?

Hey, so I have my driving test on June 3rd but i am looking to buy a car before then in these next few weeks. Ive been getting some quotes on some possible cars but the cheapest quote i am getting is 4,500, which is absolutly ridiculous! I thought 2,000 was pushing it and i dont intend to pay more than 2,000 a year. The cars ive been looking at are Peugot 206s, Vauxhall Corsa SXI, and Renault Clio's. Which i believe are in the cheapest insurance band. I just dont understand why im getting quotes of 4000/5000. Most of my firends with similar cars pay 1,500 a year which seems right. I must be doing something wrong. Can anyone give me tips on how to get the price down. Should i add my mum as an additional driver? Do modified cars (alloys and tinted windows) dramatically increase the insurance price? Any reccomended insurance companies? Thanks guys!""

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!

Insurance Cost for a 1966 mustang convertible in mint condition?

I'm curious how much, on average, would insurance cost for an 18 year old male driving a 1966 mustang convertible in mint condition be? And if you could explain why too that'd be awesome thanks! :)""

affordable insurance w broad st

affordable insurance w broad st

https://www.linkedin.com/pulse/good-first-truck-teenager-anthony-lane/"

[shg11]

Adjunct professors in America face low pay and long hours without the security of full-time faculty. Some, on the brink of homelessness, take desperate measures

There is nothing she would rather do than teach. But after supplementing her career with tutoring and proofreading, the university lecturer decided to go to remarkable lengths to make her career financially viable.

She first opted for her side gig during a particularly rough patch, several years ago, when her course load was suddenly cut in half and her income plunged, putting her on the brink of eviction. In my mind I was like, Ive had one-night stands, how bad can it be? she said. And it wasnt that bad.

The wry but weary-sounding middle-aged woman, who lives in a large US city and asked to remain anonymous to protect her reputation, is an adjunct instructor, meaning she is not a full-time faculty member at any one institution and strings together a living by teaching individual courses, in her case at multiple colleges.

about

I feel committed to being the person whos there to help millennials, the next generation, go on to become critical thinkers, she said. And Im really good at it, and I really like it. And its heartbreaking to me it doesnt pay what I feel it should.

Sex work is one of the more unusual ways that adjuncts have avoided living in poverty, and perhaps even homelessness. A quarter of part-time college academics (many of whom are adjuncts, though its not uncommon for adjuncts to work 40 hours a week or more) are said to be enrolled in public assistance programs such as Medicaid.

They resort to food banks and Goodwill, and there is even an adjuncts cookbook that shows how to turn items like beef scraps, chicken bones and orange peel into meals. And then there are those who are either on the streets or teetering on the edge of losing stable housing. The Guardian has spoken to several such academics, including an adjunct living in a shack north of Miami, and another sleeping in her car in Silicon Valley.

The adjunct who turned to sex work makes several thousand dollars per course, and teaches about six per semester. She estimates that she puts in 60 hours a week. But she struggles to make ends meet after paying $1,500 in monthly rent and with student loans that, including interest, amount to a few hundred thousand dollars. Her income from teaching comes to $40,000 a year. Thats significantly more than most adjuncts: a 2014 survey found that the median income for adjuncts is only $22,041 a year, whereas for full-time faculty it is $47,500.

We take a kind of vow of poverty

Recent reports have revealed the extent of poverty among professors, but the issue is longstanding. Several years ago, it was thrust into the headlines in dramatic fashion when Mary-Faith Cerasoli, an adjunct professor of Romance languages in her 50s, revealed she was homeless and protested outside the New York state education department.

We take a kind of vow of poverty to continue practicing our profession, Debra Leigh Scott, who is working on a documentary about adjuncts, said in an email. We do it because we are dedicated to scholarship, to learning, to our students and to our disciplines.

Adjuncting has grown as funding for public universities has fallen by more than a quarterbetween 1990 and 2009. Private institutions also recognize the allure of part-time professors: generally they are cheaper than full-time staff, dont receive benefits or support for their personal research, and their hours can be carefully limited so they do not teach enough to qualify for health insurance.

This is why adjuncts have been called the fast-food workers of the academic world: among labor experts adjuncting is defined as precarious employment, a growing category that includes temping and sharing-economy gigs such as driving for Uber. An American Sociological Association taskforce focusing on precarious academic jobs, meanwhile, has suggested that faculty employment is no longer a stable middle-class career.

Adjunct English professor Ellen James-Penney and her husband live in a car with their two dogs. They have developed a system. Keep nothing on the dash, nothing on the floor you cant look like youre homeless, you cant dress like youre homeless. Photograph: Talia Herman for the Guardian

The struggle to stay in housing can take many forms, and a second job is one way adjuncts seek to buoy their finances. The professor who turned to sex work said it helps her keep her toehold in the rental market.

This is something I chose to do, she said, adding that for her it is preferable to, say, a six-hour shift at a bar after teaching all day. I dont want it to come across as, Oh, I had no other choice, this is how hard my life is.

Advertising online, she makes about $200 an hour for sex work. She sees clients only a handful of times during the semester, and more often during the summer, when classes end and she receives no income.

Im terrified that a student is going to come walking in, she said. And the financial concerns have not ceased. I constantly have tension in my neck from gritting my teeth all night.

To keep their homes, some adjuncts are forced to compromise on their living space.

Caprice Lawless, 65, a teacher of English composition and a campaigner for better working conditions for adjuncts, resides in an 1100 sq ft brick house near Boulder, Colorado. She bought it following a divorce two decades ago. But because her $18,000 income from teaching almost full time is so meager, she has remortgaged the property several times, and has had to rent her home to three other female housemates.

I live paycheck to paycheck and Im deeply in debt, she said, including from car repairs and a hospitalization for food poisoning.

Like every other adjunct, she says, she opted for the role thinking it would be a path to full-time work. She is so dependent on her job to maintain her living situation that when her mother died this summer, she didnt take time off in part because she has no bereavement leave. She turned up for work at 8am the next day, taught in a blur and, despite the cane she has used since a hip replacement, fell over in the parking lot.

If she were to lose her home her only hope, she says, would be government-subsidized housing.

Most of my colleagues are unjustifiably ashamed, she said. They take this personally, as if theyve failed, and Im always telling them, you havent failed, the system has failed you.

A precarious situation

Even more desperate are those adjuncts in substandard living spaces who cannot afford to fix them. Mindy Percival, 61, a lecturer with a doctorate from Columbia, teaches history at a state college in Florida and, in her words, lives in a shack which is in the woods in middle of nowhere.

Lecturer Mindy Percivals mobile home in Stuart, Florida. Her oven, shower and water heater dont work. Photograph: Courtesy of Mindy Percival

The mobile home she inhabits, located in the town of Stuart, north of Miami, was donated to her about eight years ago. It looks tidyon the outside, but inside there are holes in the floor and the paneling is peeling off the walls. She has no washing machine, and the oven, shower and water heater dont work. Im on the verge of homelessness, constantly on the verge, she said.

Percival once had a tenure-track job but left to care for her elderly mother, not expecting it would be impossible to find a similar position. Now, two weeks after being paid, I might have a can with $5 in change in it. Her 18-year-old car broke down after Hurricane Irma, and she is driven to school by a former student, paying $20 a day for gas.

I am trying to get out so terribly hard, she said.

Homelessness is a genuine prospect for adjuncts. When Ellen Tara James-Penney finishes work, teaching English composition and critical thinking at San Jose State University in Silicon Valley, her husband, Jim, picks her up. They have dinner and drive to a local church, where Jim pitches a tent by the car and sleeps there with one of their rescue dogs. In the car, James-Penney puts the car seats down and sleeps with another dog. She grades papers using a headlamp.

Over the years, she said, they have developed a system. Keep nothing on the dash, nothing on the floor you cant look like youre homeless, you cant dress like youre homeless. Dont park anywhere too long so the cops dont stop you.

James-Penney, 54, has struggled with homelessness since 2007, when she began studying for her bachelors degree. Jim, 64, used to be a trucker but cannot work owing to a herniated disk. Ellen made $28,000 last year, a chunk of which goes to debt repayments. The remainder is not enough to afford Silicon Valley rent.

At night, instead of a toilet they must use cups or plastic bags and baby wipes. To get clean, they find restrooms and we have what we call the sink-shower, James-Penney said. The couple keep their belongings in the back of the car and a roof container. All the while they deal with the consequences of ageing James-Penney has osteoporosis in a space too small to even stand up.

James-Penney does not hide her situation from her class. If her students complain about the homeless people who can sometimes be seen on campus, she will say:Youre looking at someone who is homeless.

That generally stops any kind of sound in the room, she says. I tell them, your parents could very well be one paycheck away, one illness away, from homelessness, so it is not something to be ashamed of.

Ellen James-Penney teaching an English class at San Jose State University in California. She tells her students, youre looking at someone who is homeless. Photograph: Talia Herman for the Guardian

I hung on to the dream

Many adjuncts are seeking to change their lot by unionizing, and have done so at dozens of schools in recent years. They are notching successes; some have seen annual pay increases of about 5% to almost 20%, according to Julie Schmid, executive director of the American Association of University Professors.

Schools are often opposed to such efforts and say unions will result in higher costs for students. And for certain adjuncts, any gains will come too late.

Mary-Faith Cerasoli, 56, the homeless adjunct who captured the publics attention with her protest in New York three years ago, said that in the aftermath little changed in termsof her living situation. Two generous people, a retiree and then a nurse, offered her temporary accommodation, but she subsequently ended up in a tent pitched at a campground and, after that, a broken sailboat docked in the Hudson river.

But there was, however, one shift. All the moving around made it hard for her to make teaching commitments, and in any case the pay remained terrible, so she gave it up. She currently lives in a subsidized room in a shared house in a wealthy county north of New York.

For Rebecca Snow, 51, another adjunct who quit teaching after a succession of appalling living situations, there is a sense of having been freed, even though finances continue to be stressful.

Author Rebecca Snow, now retired from adjuncting, has moved to a small apartment just north of Spokane, Washington. Photograph: Rajah Bose for the Guardian

She began teaching English composition at a community college in the Denver area in 2005, but the poor conditions of the homes she could afford meant she had to move every year or two. She left one place because of bedbugs, another when raw sewage flowed into her bathtub and the landlord failed to properly fix the pipes.

Sometimes her teenage son would have to stay with her ex-husband when she couldnt provide a stable home. Snow even published a poem about adjuncts housing difficulties.

In the end she left the profession when the housing and job insecurity became too much, and her bills too daunting. Today she lives in a quiet apartment above the garage of a friends home, located 15 miles outside Spokane, Washington. She has a view of a lake and forested hills and, with one novel under her belt, is working on a second.

Teaching was the fantasy, she said, but life on the brink of homelessness was the reality.

I realized I hung on to the dream for too long.

Do you have an experience of homelessness to share with the Guardian? Get in touch

Read more: https://www.theguardian.com/us-news/2017/sep/28/adjunct-professors-homeless-sex-work-academia-poverty

[trendingnewsb]

Facing poverty, academics turn to sex work and sleeping in cars

Adjunct professors in America face low pay and long hours without the security of full-time faculty. Some, on the brink of homelessness, take desperate measures

There is nothing she would rather do than teach. But after supplementing her career with tutoring and proofreading, the university lecturer decided to go to remarkable lengths to make her career financially viable.

She first opted for her side gig during a particularly rough patch, several years ago, when her course load was suddenly cut in half and her income plunged, putting her on the brink of eviction. In my mind I was like, Ive had one-night stands, how bad can it be? she said. And it wasnt that bad.

The wry but weary-sounding middle-aged woman, who lives in a large US city and asked to remain anonymous to protect her reputation, is an adjunct instructor, meaning she is not a full-time faculty member at any one institution and strings together a living by teaching individual courses, in her case at multiple colleges.

about

I feel committed to being the person whos there to help millennials, the next generation, go on to become critical thinkers, she said. And Im really good at it, and I really like it. And its heartbreaking to me it doesnt pay what I feel it should.

Sex work is one of the more unusual ways that adjuncts have avoided living in poverty, and perhaps even homelessness. A quarter of part-time college academics (many of whom are adjuncts, though its not uncommon for adjuncts to work 40 hours a week or more) are said to be enrolled in public assistance programs such as Medicaid.

They resort to food banks and Goodwill, and there is even an adjuncts cookbook that shows how to turn items like beef scraps, chicken bones and orange peel into meals. And then there are those who are either on the streets or teetering on the edge of losing stable housing. The Guardian has spoken to several such academics, including an adjunct living in a shack north of Miami, and another sleeping in her car in Silicon Valley.

The adjunct who turned to sex work makes several thousand dollars per course, and teaches about six per semester. She estimates that she puts in 60 hours a week. But she struggles to make ends meet after paying $1,500 in monthly rent and with student loans that, including interest, amount to a few hundred thousand dollars. Her income from teaching comes to $40,000 a year. Thats significantly more than most adjuncts: a 2014 survey found that the median income for adjuncts is only $22,041 a year, whereas for full-time faculty it is $47,500.

We take a kind of vow of poverty

Recent reports have revealed the extent of poverty among professors, but the issue is longstanding. Several years ago, it was thrust into the headlines in dramatic fashion when Mary-Faith Cerasoli, an adjunct professor of Romance languages in her 50s, revealed she was homeless and protested outside the New York state education department.

We take a kind of vow of poverty to continue practicing our profession, Debra Leigh Scott, who is working on a documentary about adjuncts, said in an email. We do it because we are dedicated to scholarship, to learning, to our students and to our disciplines.

Adjuncting has grown as funding for public universities has fallen by more than a quarterbetween 1990 and 2009. Private institutions also recognize the allure of part-time professors: generally they are cheaper than full-time staff, dont receive benefits or support for their personal research, and their hours can be carefully limited so they do not teach enough to qualify for health insurance.

This is why adjuncts have been called the fast-food workers of the academic world: among labor experts adjuncting is defined as precarious employment, a growing category that includes temping and sharing-economy gigs such as driving for Uber. An American Sociological Association taskforce focusing on precarious academic jobs, meanwhile, has suggested that faculty employment is no longer a stable middle-class career.

Adjunct English professor Ellen James-Penney and her husband live in a car with their two dogs. They have developed a system. Keep nothing on the dash, nothing on the floor you cant look like youre homeless, you cant dress like youre homeless. Photograph: Talia Herman for the Guardian

The struggle to stay in housing can take many forms, and a second job is one way adjuncts seek to buoy their finances. The professor who turned to sex work said it helps her keep her toehold in the rental market.

This is something I chose to do, she said, adding that for her it is preferable to, say, a six-hour shift at a bar after teaching all day. I dont want it to come across as, Oh, I had no other choice, this is how hard my life is.

Advertising online, she makes about $200 an hour for sex work. She sees clients only a handful of times during the semester, and more often during the summer, when classes end and she receives no income.

Im terrified that a student is going to come walking in, she said. And the financial concerns have not ceased. I constantly have tension in my neck from gritting my teeth all night.

To keep their homes, some adjuncts are forced to compromise on their living space.

Caprice Lawless, 65, a teacher of English composition and a campaigner for better working conditions for adjuncts, resides in an 1100 sq ft brick house near Boulder, Colorado. She bought it following a divorce two decades ago. But because her $18,000 income from teaching almost full time is so meager, she has remortgaged the property several times, and has had to rent her home to three other female housemates.

I live paycheck to paycheck and Im deeply in debt, she said, including from car repairs and a hospitalization for food poisoning.

Like every other adjunct, she says, she opted for the role thinking it would be a path to full-time work. She is so dependent on her job to maintain her living situation that when her mother died this summer, she didnt take time off in part because she has no bereavement leave. She turned up for work at 8am the next day, taught in a blur and, despite the cane she has used since a hip replacement, fell over in the parking lot.

If she were to lose her home her only hope, she says, would be government-subsidized housing.

Most of my colleagues are unjustifiably ashamed, she said. They take this personally, as if theyve failed, and Im always telling them, you havent failed, the system has failed you.

A precarious situation

Even more desperate are those adjuncts in substandard living spaces who cannot afford to fix them. Mindy Percival, 61, a lecturer with a doctorate from Columbia, teaches history at a state college in Florida and, in her words, lives in a shack which is in the woods in middle of nowhere.

Lecturer Mindy Percivals mobile home in Stuart, Florida. Her oven, shower and water heater dont work. Photograph: Courtesy of Mindy Percival

The mobile home she inhabits, located in the town of Stuart, north of Miami, was donated to her about eight years ago. It looks tidyon the outside, but inside there are holes in the floor and the paneling is peeling off the walls. She has no washing machine, and the oven, shower and water heater dont work. Im on the verge of homelessness, constantly on the verge, she said.

Percival once had a tenure-track job but left to care for her elderly mother, not expecting it would be impossible to find a similar position. Now, two weeks after being paid, I might have a can with $5 in change in it. Her 18-year-old car broke down after Hurricane Irma, and she is driven to school by a former student, paying $20 a day for gas.

I am trying to get out so terribly hard, she said.

Homelessness is a genuine prospect for adjuncts. When Ellen Tara James-Penney finishes work, teaching English composition and critical thinking at San Jose State University in Silicon Valley, her husband, Jim, picks her up. They have dinner and drive to a local church, where Jim pitches a tent by the car and sleeps there with one of their rescue dogs. In the car, James-Penney puts the car seats down and sleeps with another dog. She grades papers using a headlamp.

Over the years, she said, they have developed a system. Keep nothing on the dash, nothing on the floor you cant look like youre homeless, you cant dress like youre homeless. Dont park anywhere too long so the cops dont stop you.

James-Penney, 54, has struggled with homelessness since 2007, when she began studying for her bachelors degree. Jim, 64, used to be a trucker but cannot work owing to a herniated disk. Ellen made $28,000 last year, a chunk of which goes to debt repayments. The remainder is not enough to afford Silicon Valley rent.

At night, instead of a toilet they must use cups or plastic bags and baby wipes. To get clean, they find restrooms and we have what we call the sink-shower, James-Penney said. The couple keep their belongings in the back of the car and a roof container. All the while they deal with the consequences of ageing James-Penney has osteoporosis in a space too small to even stand up.

James-Penney does not hide her situation from her class. If her students complain about the homeless people who can sometimes be seen on campus, she will say:Youre looking at someone who is homeless.

That generally stops any kind of sound in the room, she says. I tell them, your parents could very well be one paycheck away, one illness away, from homelessness, so it is not something to be ashamed of.

Ellen James-Penney teaching an English class at San Jose State University in California. She tells her students, youre looking at someone who is homeless. Photograph: Talia Herman for the Guardian

I hung on to the dream

Many adjuncts are seeking to change their lot by unionizing, and have done so at dozens of schools in recent years. They are notching successes; some have seen annual pay increases of about 5% to almost 20%, according to Julie Schmid, executive director of the American Association of University Professors.

Schools are often opposed to such efforts and say unions will result in higher costs for students. And for certain adjuncts, any gains will come too late.

Mary-Faith Cerasoli, 56, the homeless adjunct who captured the publics attention with her protest in New York three years ago, said that in the aftermath little changed in termsof her living situation. Two generous people, a retiree and then a nurse, offered her temporary accommodation, but she subsequently ended up in a tent pitched at a campground and, after that, a broken sailboat docked in the Hudson river.

But there was, however, one shift. All the moving around made it hard for her to make teaching commitments, and in any case the pay remained terrible, so she gave it up. She currently lives in a subsidized room in a shared house in a wealthy county north of New York.

For Rebecca Snow, 51, another adjunct who quit teaching after a succession of appalling living situations, there is a sense of having been freed, even though finances continue to be stressful.

Author Rebecca Snow, now retired from adjuncting, has moved to a small apartment just north of Spokane, Washington. Photograph: Rajah Bose for the Guardian

She began teaching English composition at a community college in the Denver area in 2005, but the poor conditions of the homes she could afford meant she had to move every year or two. She left one place because of bedbugs, another when raw sewage flowed into her bathtub and the landlord failed to properly fix the pipes.

Sometimes her teenage son would have to stay with her ex-husband when she couldnt provide a stable home. Snow even published a poem about adjuncts housing difficulties.

In the end she left the profession when the housing and job insecurity became too much, and her bills too daunting. Today she lives in a quiet apartment above the garage of a friends home, located 15 miles outside Spokane, Washington. She has a view of a lake and forested hills and, with one novel under her belt, is working on a second.

Teaching was the fantasy, she said, but life on the brink of homelessness was the reality.

I realized I hung on to the dream for too long.

Do you have an experience of homelessness to share with the Guardian? Get in touch

Read more: http://ift.tt/2xHM6dO

from Viral News HQ http://ift.tt/2hULE6J via Viral News HQ

[yokejongg-blog]

Today.

As I am writing this thread, we’re now entering the last two days of July. Time had passed swiftly before we know it. I don’t even know what happened to the last few months of my life. I just went through it like it is. Somehow, this month was really slow, the time is crawling and i think it’s a good thing since I am so filled with my stuffs. Also, I thought about you every night before I sleep, listening to our Favourite songs and telling you goodnight before I close my eyes. Deep down, the feelings are still strong. It didn’t grew much but it’s constant as I know. I still feel like posting you postcards but I guess it’s inappropriate to do so. I’m so clingy I know, you were too. I didn’t know how to appreciate and now it’s too late. August is coming, I’m coming home too. I hope everything will be fine after next week and I’ll be able to sort out my complications. I need guidance, I needed so much of guidance that I made myself so weak. I’m so sorry, I knew I could’ve done better, but whatever it is. I’ll do my best to strive through this journey. I’ve put in so much of effort, wrong or right. This is it. No turning back. It’s all hard work. I wished upon the stars tonight that you’re smiling brightly like how those dimples would attract all the attention you can get. Love isn’t meant to last for more than 3 years for us. It’s almost the third year since we departed and I still feel you deep under my spine. I cracked your brittle heart and I wasn’t there to mend it when you needed me to. And I am far gone into the abyss of your brain. I wonder if we could still meet even after this, I wonder if I am brave enough to walk up to you and expect you to hug me tightly like you used to. Oh how I wonder, the beautiful face of yours and that silky hair that runs through my chest when you’re in my embrace. Those feelings were true as I could still felt them now. Promiscuously, you’re still in my A-List, how could you do that? Baby, I miss you. Well, these days I haven't been writing excellently as I’ve ran out of words trying to figure out something I don’t even know. I’ve made a mistake like what I’ve made during my bachelor degree and it struggles so much. This time, I’ve put my academic on stake. People say failures is way to grow, learning is not about IQ but grit. Being intelligent isn’t all about knowing everything but the willingness of adapting into a new culture. Doing stuff differently doesn’t mean you’re unique but doing it in a clever way is. Life is complicated and unfair, we worked so hard but sometimes people just came in to your life and ruin it. Yeah some issues are inevitable and incurable. Like the boulevard of broken dreams and hearts. It dimmed, wither and its gloomy. I miss my family today, i wanted to go home so badly but I couldn’t. Responsibility sucks, it keeps you awake, stress you up, pressed you down, and tore you apart. I’m not saying I am giving up but at least I’m trying my best. This is the farthest I can go and I don’t think I could go no more. I’m so done with all these, I wanted to quit but I can’t. It’ll be over soon I knew it, it’ll be fine I don’t know, it’ll be as I expected I don’t think so. I’m counting the days once more as I am so scared to count before. I stopped myself everytime when I wanted to count but just couldn’t help it. The lust of touching home soil is triggering my nervous system. It’s been a threaded year, hectic year and years of growing up from a tiny potato to a full grown tree. Perhaps potato don’t grow as tall as tree, that’s where I am wrong at. Becoming aware of those wrongs feel so good when you finally learnt how to accept failure. You learnt how to move on from where you initially stood and you start running/climbing towards higher achievement. Life is good, I didn’t know about it or realise until I started mesmerising the past. The past will always be better as the future is a peculiarly periodic timeline. Why? It’s bound to discover, I can’t tell you now but im pretty sure you could get an answer in my next post. I like talking to myself through words that comes first in my mind nowadays. I say what I want and I listen to what I want. I’m becoming an introvert? I don’t think so, it’s just for this period that I’ll have to endure. Patience, that’s the key to everything and all entity. We’ll definitely do this and we’ll try our best. Me, myself and I.