#we’re 1% of the U.S. and from a convert family I don’t really have any ties to my community

[whimsycore]

Imagine feeling you have the right to control someone’s racial, cultural, and religious identity.

[cutsliceddiced]

New top story from Time: How COVID-19 Will Shape the Class of 2020 For the Rest of Their Lives

They call it commencement because it’s supposed to be a new beginning.

College graduation is one of life’s last clean transitions, a final passage from adolescence to adulthood that is predictable in ways other transitions rarely are. Relationships end with breakups or death, jobs often end with quitting or firing, but college is one of the only things in life that ends with a fresh start. Except when it doesn’t.

One morning in March, Clavey Robertson took a study break and climbed onto the roof of his dorm at the University of California, Berkeley. He had spent the past year working on his senior thesis on the erosion of the social-safety net since the Great Depression, and he needed to clear his head. In the distance, Robertson could see a tiny white speck: the Diamond Princess cruise ship, carrying crew members infected with COVID-19, lingering in the San Francisco Bay.

Photograph by Hannah Beier for TIME

Hannah Beier, a photography major in the Drexel University Class of 2020, has been virtually photographing her classmates in quarantine. She directed this series of portraits over FaceTime.

Two months later, Robertson’s transition to adulthood is in limbo. He skipped his online commencement and he’s living in his childhood bedroom, which had been converted to a guest room. His parents have lost their travel agency work, and his own job prospects have dried up. “No longer am I just a student writing about the Great Depression,” he says. “Now there’s a depression.”

College graduation is often marked by an adjustment period, as students leave the comforts of campus to find their way in the raw wilderness of the job market. But this year’s graduates are staggering into a world that is in some ways unrecognizable. More than 90,000 Americans have died; tens of millions are out of work; entire industries have crumbled. The virus and the economic shock waves it unleashed have hammered Americans of all ages. But graduating in the midst of the coronavirus pandemic will have enduring implications on the Class of 2020: for their memories, their earning power, and their view of what it means to have a functional society. For these young adults, the pandemic represents not just a national crisis but also a defining moment.

Hannah BeierJoshua McCaw, Drexel University Class of 2020, in his childhood bedroom in Brooklyn

Even before COVID-19, the Class of 2020 came of age at a time of fear and uncertainty. Born largely in 1997 and 1998—among the oldest of Gen Z—the Class of 2020 were in day care and pre-kindergarten on 9/11. Their childhoods have been punctuated by school -shootings and catastrophic climate change. Their freshman year at college began with President Donald Trump’s election; their senior year ended with a paralyzing global health crisis. “We stepped into the world as it was starting to fall apart,” says Simone Williams, who graduated from Florida A&M University in an online commencement May 9. “It’s caused my generation to have a vastly different perspective than the people just a few years ahead of us or behind us.”

Researchers have found that the major events voters experience in early adulthood—-roughly between the ages of 14 and 24—tend to define their political attitudes for the rest of their lives. And the Class of 2020’s generation was -already disaffected. Only 8% of -Americans -between 18 and 29 believe the government is working as it should be, and fewer than 1 in 5 consider themselves “very patriotic,” according to the 2020 Harvard Kennedy School Institute of Politics survey of young Americans. They are at once widely skeptical of U.S. institutions and insistent on more government solutions; they’re disappointed in the current system, but hold out hope for a better one.

Hannah BeierBrooke Yarsinsky, Drexel University Class of 2020, celebrating her birthday in her family’s kitchen in Marlton, N.J.

For the Class of 2020, COVID-19’s lasting impact may be determined by what happens next. If the rising cohort of young workers are left to fend for themselves, mass youth unemployment could lead to permanent disillusionment or widespread despair. A forceful, effective response that invests in the rising generation of American talent could restore their faith in the system.

It’s not clear to the Class of 2020 how the pandemic will play out. They just know it will change their lives. “Everything” is at stake, says Yale history major Adrian Rivera. “It’s this pivotal moment where we’ll never forget what’s done,” he says. “Or what isn’t done.”

School is often a refuge from the gusts of history. But the events that rupture the classroom routine, from President Kennedy’s assassination to 9/11, tend to be the ones that stick with students forever.

The coronavirus disrupted more class time, for more students, than almost any other event in U.S. history. It started with a scramble: The University of Washington announced on March 6 that it was cancelling in-person classes for its 57,000 students. Then Stanford University followed suit. Over the next few days, campuses from Harvard to the University of Michigan announced they’d be transitioning to online learning. Soon, hundreds of other colleges and universities followed.

Hannah BeierBen Scofield, Drexel University Class of 2020, on his bed in his new apartment in the Bushwick neighborhood of Brooklyn

By Friday, March 13, an eerie silence fell on campuses across the nation. “Something about that day was really weird, because every time my friends and I would say ‘See you later’ or ‘Catch you after break,’ I just had this sinking feeling that I wasn’t going to see them,” says Vincent Valeriano, a member of Iowa State University’s Class of 2020. “Saying goodbye felt like it carried a lot more weight than it used to.” He ended up watching his online -graduation -ceremony at home, in his pajamas.

For underclassmen, the shortened semester was an irritating disruption. For seniors, it was a total upheaval. “There’s no way for there to be closure,” says Sam Nelson, who recently graduated with a journalism degree from the University of Missouri. “I know in real life, closure doesn’t exist, but this is one of the last moments for young people to say goodbye to young adulthood and move into the next phase of their lives.”

The Class of 2020 hugged their closest friends and mourned their lost semester, but scattered back home without so much as a goodbye to many people they’d lived with for years. Acquaintances who laughed in hallways or shared inside jokes in seminars simply disappeared. Fraternities and sororities canceled their formals and philanthropy events, attempting Zoom happy hours that didn’t come close to the real thing. For some couples, casual hookups quickly escalated into long-distance relationships. Others quietly packed up their feelings for college crushes and left without saying a word.

Hannah Beier for TIMESarah Pruitt, Drexel University Class of 2020, at home with her mom in Colchester, Conn.

The loss of a milestone like an in–person commencement had a special sting for some families. Arianny Pujols, the first natural-born U.S. citizen in her family and the first to graduate from college, still did her hair and makeup as if she were walking across the stage at Missouri State University. She and her family held a small ceremony in her grandfather’s backyard, and then she stood on the sidewalk in her cap and gown waving at cars with a sign that said “Honk, I did it!” Brenda Sanchez, 22, whose parents are immigrants from Mexico, says they will miss both her graduation from Humboldt State University in California and her sister’s college graduation the next day. “My parents didn’t go to school. They didn’t graduate,” says Sanchez, who is herself an immigrant and is protected from deportation by President Obama’s Deferred Action for Childhood Arrivals policy. “Your heart breaks a little. You did work hard, you did earn this degree, but you’re not going to see yourself walk across that stage.”

Instead of graduating into their future lives, many Class of 2020 seniors feel like they’ve gone backward. “We were ready to be in the world as young adults—not good adults, maybe clumsy adults, but some kind of adult,” says Ilana Goldberg, who recently graduated from Tufts University in an online ceremony. “We’re not in the system anymore, but we’re not far enough out of it to have our footing in the world.”

Hannah BeierLauren, Parsons School of Design Class of 2017, and Dylan, Marist College Class of 2017, quarantining in Lauren’s family home in Woodstock, VT

Eric Kolarik, who was supposed to be sitting at his University of Michigan commencement ceremony in early May, is instead back home in Traverse City, Mich., raking leaves, helping his mom with the dishes, doing the same chores he did in high school. “I’m 22 but I’ve assumed the life of 15-year-old Eric again,” he says. “You feel like a failure to launch.”

If only they knew that a stolen senior spring is the least of their problems. The Class of 2020 is falling through a massive hole in the U.S. social-safety net, into a financial downturn that could define their lives for decades to come. Graduating seniors have lost on–campus jobs that got them through school. Many haven’t been working for long enough to qualify for full unemployment. If they’ve been listed as dependents on their parents’ taxes, they don’t get a stimulus check. They haven’t had time to build up significant savings.

Hannah Beier for TIMEDestiny, Drexel University Class of 2019, at home in Palmyra, PA

“I’m not sure they’ve fully processed what 25% unemployment, disproportionately affecting younger Americans, will actually mean,” says John Della Volpe, director of polling at Harvard’s Institute of Politics. He recalls that during the last recession, the Class of 2009 scrambled to scoop up opportunities, “like a game of- -musical chairs.” The Class of 2020, by contrast, is essentially frozen in place by a pandemic that has trapped much of the nation inside their homes. “There almost are no opportunities in any sector,” Della Volpe says. “It’s like suspended animation.”

More than 1 in 5 employers surveyed by the National Association of Colleges and Employers in April said they were rescinding their summer internship offers. The overall number of postings on the online jobs platform ZipRecruiter have fallen by nearly half since mid-February, while new postings for entry-level positions have plummeted more than 75%, according to ZipRecruiter labor economist Julia Pollak. A year ago, less experienced job seekers were enjoying brisk wage growth and rosy job prospects. Now, Pollak says, “it’s particularly hard for new graduates.

Sanchez, who worked two jobs and started her own eyelash-extension business to help pay for school, has applied for more than 70 jobs in recent weeks without success. Williams, who dreams of working in the entertainment industry, had no luck with at least 15 jobs and struck out with fellowships that are no longer taking applicants; now she’s cobbling together gig work. Robertson had planned to try to get a job in labor activism; these days, he’s considering graduate school instead.

Hannah BeierJillian Yagoda with her boyfriend Benjamin Halperin, both in the University of Maryland Class of 2020, in the apartment they share in College Park, Md.

It’s not just dream jobs that have disappeared. Historically, many young people take positions in the retail or restaurant industries as they find their path. According to Pew, of the roughly 19 million 16-to-24-year-olds in the labor force, more than 9 million were employed in the service sector. Suddenly, a significant chunk of those jobs have evaporated. In April alone, the leisure and hospitality industry lost 47% of its total workforce, with 7.7 million workers newly unemployed, according to the Bureau of Labor Statistics. Which means the economic crisis has hit the youngest harder than any other age group. More than half of Americans under 30 say someone in their household has lost a job or taken a pay cut because of the corona-virus crisis, according to Pew, and the youngest workers are more likely than older generations to say that the pandemic has hurt their finances more than other people.

Graduating into a bad economy can affect everything from future earnings to long-term health and happiness. Researchers have found that beginning a career in the teeth of a recession can depress earnings for 10 years, and trigger broader impacts for decades. One study from UCLA and Northwestern found that the young people who came of age -during the early 1980s recession had higher mortality, and were more likely to get divorced, and less likely to have children. Till von Wachter, a UCLA labor economist who has spent years studying this issue, has a name for these young people who enter the labor force at the worst possible moment: “unlucky graduates.”

Hannah BeierSisters Camilla Nappa, Drexel University Class of 2020, and Sophia Nappa, NYU Class of 2022, isolating at their father’s home in St. Louis

Rather than brave a job market battered by COVID-19, some in the Class of 2020 are seeking refuge in graduate school. But that presents its own conundrum. As of 2019, nearly 7 in 10 college students graduated with student loans, with an average tab of nearly $30,000. Going to graduate school can mean –taking on even more debt. “I’m having to take out grad loans, but I can’t work to pay them off,” says Sean Lange, who plans to enroll in a master’s program in public policy after graduating from New York’s Stony Brook University in an online ceremony in May. He’s not even sure he’ll get his money’s worth for the $18,000 annual tuition. Especially if his classes end up being taught online.

All of this—the forgone memories, the abrupt goodbyes, the lost opportunities—will stay with the Class of 2020 forever. “The coronavirus pandemic is the biggest cultural event since World War II,” says Jean Twenge, a psychologist and author of iGen, who studies millennials and Gen Z. “It’s going to have a huge impact on -everyone, but young adults in particular.”

Hannah BeierMagda, Drexel University Class of 2022, with her family in Lynbrook, NY

Even before COVID-19, much of Gen Z was disappointed in the government response to the issues facing their generation. These are the students who joined the March for Our Lives gun-safety movement amid near weekly school shootings, and went on strike over inaction on climate change. They were too young to be swept up in Barack Obama’s 2008 campaign, but old enough to gravitate toward Bernie Sanders’ message of progressive revolution in the 2016 primary. Those who were old enough to vote overwhelmingly opposed President Trump in that year’s general election. They favor student debt reform and universal health care. They are the most -racially diverse generation in U.S. history.

Their skepticism of public institutions is largely fueled by a sense that the government is doing too little, not too much. A study last year by Pew Research Center found that 7 in 10 wanted the government to “do more to solve problems.” The divide is generational, not political: more than half of Gen Z Republicans say they want the government to do more. (Less than a third of older Republicans agree.)

Near mandatory use of social media has already contributed to sky-high levels of depression and anxiety among Gen Z, according to Twenge. She analyzed data from the National Survey on Drug Use and Health and found that the number of young adults reporting symptoms of major depression had increased 63% between 2009 and 2017, with a marked turning point around 2012, when smartphone use first became widespread. The pandemic has likely only made them more anxious and disillusioned. Pew found that Americans between 18 and 29 are more likely than older ones to feel depressed during the pandemic, and less hopeful about the future than the senior citizens who are far more vulnerable to the disease caused by the virus.

Hannah Beier for TIMEKathryn Murashige, Drexel University Class of 2020, in the sunroom of her childhood home in Kennett Square, Pa.

Which helps explain why young activists view this as a now-or-never moment for their cohort. They know that the pandemic will shape their futures, even if it’s not yet clear exactly how. “Either we will end up with a generation that is far more resilient than earlier generations,” says Varshini Prakash, a leader of the Gen Z–powered Sunrise Movement, “or it could be a generation that is far more nihilistic, and far less likely to engage in our politics because they’ve seen the institutions fail them at the times they really needed it.” The youngest cohort of Americans “could be traumatized for life,” says Robert Reich, a former U.S. Labor Secretary who is now a professor of public policy at University of California, Berkeley. “They could turn economically and socially inward. They could lose faith in all institutions, and they are trending in that direction anyway.”

In other countries, like Egypt, Tunisia and Spain, widespread unemployment among educated young people has led to social unrest or radicalization, mostly because of a sense of betrayal. They think, “we thought there was some kind of bargain, a social contract, that if we play by the rules we get a job at the end of all of this,” says Heath Prince, a research scientist at University of Texas at Austin. So far youth unemployment in the U.S. is mostly correlated with drug addiction and right-wing extremism, Prince says, and hasn’t tipped into the realm of mass uprisings. Then again, -unemployment hasn’t been this high in nearly 80 years.

“My generation isn’t feeling like they’re being spoken to or listened to, and at the same time, a lot of us are becoming economically disenfranchised,” says Robertson, the University of California, Berkeley, graduate who studied the New Deal. “I definitely think a lot of us have lost confidence in the government.”

The only way to address an unemployment rate reminiscent of the 1930s, according to some scholars, students and activists, is a federal government response that echoes the scale of 1930s reforms. President Franklin Delano Roosevelt’s New Deal included major initiatives to get young Americans back to work. Six days after he took office in 1933, Roosevelt proposed the Civilian Conservation Corps: within four months, the federal government had hired 300,000 young men to plant trees and maintain parks and trails. Three million young people were ultimately employed as part of the program. In 1935, Roosevelt created the National Youth Administration (NYA) as part of the Works Progress Administration, designed to give young Americans work-study and job training. (A young Lyndon B. Johnson got an early political break as an administrator of the NYA program in Texas.) The Americans employed by these New Deal programs grew into the selfless, patriotic army that fought World War II, now known as the “Greatest Generation.”

Some Democrats say the COVID-19 pandemic calls for a similar approach. Senator Elizabeth Warren of Massachusetts has called for a “Coronavirus Containment Corps,” to expand the public-health workforce and employ an army of contact-tracers to help fight the spread of the virus. (Warren, an admirer of the New Deal, noted the CCC acronym is no coincidence.) Senator Chris Coons (D., Del.) joined with Senator Bill Cassidy (R., La.) to champion a national service bill that would expand Americorps and fund 750,000 jobs to help train new health care workers to fight COVID-19. And proponents of a Green New Deal, like Prakash and Representative Alexandria Ocasio-Cortez of New York, are working to shape the environmental policy of presumptive Democratic presidential nominee Joe Biden.

Given Republicans’ skepticism of big government programs, none of these ideas are likely to make it through Mitch McConnell’s Senate or onto President Trump’s desk. But the political landscape has already shifted the universe of the possible, with Republicans agreeing to recovery measures—such as sending $1,200 stimulus checks to eligible working Americans—that would have been unthinkable only months ago. And if Democrats reclaim the Senate and the White House, broader reform could be closer than it looks. Young people who are skeptical of government’s ability to solve big problems say their faith can be restored. “I have no faith in this Administration and this government,” explains Lange, the Stony Brook public-policy student. “But I believe in Big Government.”

Eric Kolarik spent his last semester at the University of Michigan working on a paper about the 1918 flu pandemic. Now, with classes canceled and his job search on ice, his copy of The Great Influenza is on his childhood bookshelf, alongside his old high school copies of The Crucible and Of Mice and Men. “There will be a sort of unity that the Class of 2020 has with each other, and it’s not fond memories,” he says. “People will say, ‘You’re the Class of 2020,’ and everyone will know what that meant.”

The pandemic has marked the end of one phase for this unlucky cohort. The recovery could mark the beginning of another.

Cover photograph in collaboration with Melissa Nesta

via https://cutslicedanddiced.wordpress.com/2018/01/24/how-to-prevent-food-from-going-to-waste

[emma-christine-spoole]

My Muse Does the Vanity Fair Interview

https://www.vanityfair.com/magazine/2000/01/proust-questionnaire

Tagging: @normalouisebatesrp @itsnormanbates @leather-lover-massett @xeffie-thredsonx @maggiexesmerelda @tillhumanvxices  @foxbelieve @danascullyeffect @costaricaaguitars @theirlament

and anyone else who wants to. (repost, don’t reblog)

1. What is your idea of perfect happiness?

Wow, we’re jumping right into the deep philosophical questions, huh? I don’t know if it’s possible to have completely flawless, perfect happiness in this life. The world has too many flaws and too many people with high capacity for senseless evil. I think the closest we can get to perfect happiness in this life is having strong bonds with those you love, the kind that will give you the strength to face down that evil when you have to face it.

2. What is your greatest fear?

I try to stay out of political discussions and keep my views to myself most of the time. I’ve just found it’s the smartest thing to do, having spent so many years living in the nation’s capital and considering where I was working. But here’s an exception. My greatest fear currently is that we’re sliding toward a Gilead-like nightmare, slowly like a frog in a pot, so we aren’t going to notice until we’re being boiled alive. Scared that women are going to be stripped of all the progress made over the last half-century, including rights my mother and her mother demonstrated in the streets for. But then I look at my daughter @xeffie-thredsonx and know that’s not going to happen without a hell of a fight from the next generation.

3. What is the trait you most deplore in yourself?

I can have a streak of hypocrisy, unfortunately. I can condemn and punish others for the same perceived wrongdoings I’ve been guilty of myself. I do that by rationalizing, believing my reasons are justified and even noble when theirs aren’t, that I’m bending or even breaking the law to protect those I love or to bring down those who otherwise would’ve gotten away.

4. What is the trait you most deplore in others?

Cowardice. It’s so often an underlying root issue of criminal behavior. I deal primarily with criminals who keep other humans as slaves to be sold. They put on such an act they’re such big, tough dangerous guys. But they’re really cowards; it’s obvious once you know how to scratch the psychological surface. Also cowards are the violence-fetishists who hide behind their keyboards and post death-bounties on my head on 4Chan. Pffft. Whatever. That’s been going on for years. Nothing new at all.

5. Which living person do you most admire?

Captain Tammy Duckworth, U.S. Army. She piloted a Black Hawk helicopter with both her legs and part of one arm blown off after it was shot down by a grenade missile in Iraq. Still landed it and the rest of her crew to safety. I met her once when she was campaigning for the Senate, and she’s an amazing person. That’s a true warrior and American hero. People overcome once-fatal childhood diseases every day now. That’s not a warrior. That’s called advances in modern medicine.

6. What is your greatest extravagance?

My white Mustang convertible. I love that car like no other. I bought it when I still living in D.C. and there was no need to drive, but so what? I got it anyway. In Oregon, there’s nothing comparable to driving along the coastal highway with the top down on a rain-free day!

7. What is your current state of mind?

Guess you could say I’m pretty introspective because of these questions. I’m also curious and a little bit apprehensive how this interview is going to be received once it hits the news stands. I know we talked about me being known in some circles as “The Sex Trade’s Most Hated Woman,” but I’d really NOT like that moniker splashed all over the cover, if you possibly have any control over it.

8. What do you consider the most overrated virtue?

Conformity to “traditions.” I have no patience with people who feel it’s best to be conservative, unremarkable, ordinary, to blend in and to blindly follow the life-script that gets pushed on all of us. To me, that’s consigning yourself to a lifetime of mediocrity and dead dreams.

9. On what occasion do you lie?

I lie when I have to protect my birth family, and that’s not the only thing I’ll do to keep them out of harm’s way. We’re not the typical close-knit family. We even have a dangerous side we show to those we perceive as threats. Spend some time in White Pine Bay, and you’ll soon hear all sorts of whispered rumors about us. And whispered warnings to stay off our bad side. Some of those people even act like we’re the Mafia or something! We might not have quite that much pull, but any of us will lie, defend ourselves, and more, when it comes to protecting our own.

10. What do you most dislike about your appearance?

Nothing, to be honest. I’ve always thought I look pretty damn good. If I had to pick one thing, I might’ve liked to share my sister’s bigger breasts. But trust me: they look best on her.

11. Which living person do you most despise?

It’s almost a tie between Ellen Sanders and Alex Romero. The former: Nearly assassinating the President while taking away another woman’s husband is one thing, BUT the latter: taking emotional and sexual advantage of my sister and trying to have my nephew locked up in an institution for no valid reason: NOW it gets personal.  

12. What is the quality you most like in a man?

Knows how to treat a lady. Ripped. Obedient. Has Mommy issues.

13. What is the quality you most like in a woman?

Sweetness. A great body. Willingness to give me complete control. Not only willing, but eager.

14. Which words or phrases do you most overuse?

“‘Fuck.’ It’s such a blunt, to-the-point, attention-grabbing word in one syllable. Used the right way, it can express anything. Anger, excitement...climax...

15. What or who is the greatest love of your life?

At one time, I didn’t believe having one “great love of your life” existed in reality. That was before I met my sister’s oldest son @leather-lover-massett. My sister’s his mother and my brother’s his father, so the only thing I’ve heard is accurate to call us is “aunt and nephew twice over.” DNA-wise, we’re closer to being mother and son than regular aunt & nephew. We were strongly, inexplicably drawn to each other from the minute we met, and over the course of one evening, we felt like we’d known each other our whole lives. Before anyone gets up in arms over the taboo of it: Genetic sexual attraction is real and happens 50% of the time in cases like mine. I didn’t believe in it either, until that indescribably intense love - and yes: lust - hit me like a ton of bricks. We’re two consenting adults, we’re hurting absolutely no one, and that’s the end of that discussion far as I’m concerned.

16. When and where were you happiest?

Cliche’ as it might sound: when I was an undergrad at Ohio State. I’d wanted to go there since I was 11 or 12 and watching the Buckeyes basketball games with my dad. I was a two-hour bus ride away from my parents, away from home for the first time; everything was so full of possibility. No one’s college experience is perfect. I would of course face challenges and pitfalls, but there were plenty of good times too. I haven’t been as completely, enthusiastically optimistic since.

17. Which talent would you most like to have?

It would have been cool to be able to learn an instrument. I suffered through piano and clarinet lessons before I started middle school, and I was terrible. It sounded like throwing metal trash cans down a flight of stairs, and I feel sorry for our neighbors back then. Tried some of my bandmates’ guitars when I was older, and I wasn’t much better. I can hear all the rhythms, timing, and such when I sing, but instruments: something just never computed.

18. If you could change one thing about yourself, what would it be?

It’s all in the past now, but I would’ve changed the amount of courage I needed to first contact my birth family. I needed a lot more of it, which is why it took me so long. A lot of years were lost, and it would’ve been so different if we’d met earlier. I never got to meet my birth parents, and in a weird way I have some deep-down gratitude towards them, for putting me up for adoption. But then I start to feel guilty about that when I think of Norma and Caleb left behind with them, and the hell they were put through.

19. What do you consider your greatest achievement?

I don’t think about it much, and sometimes I lose sight of it, but yeah it’s achieving the rank of Special Agent. The exams and PT for it are quite challenging, and it can be very taxing mentally, physically, emotionally, every which way. Only 5-10% of field agents make it every year. Sadly, that percentage of women is even smaller. I’ve love to see that number start climbing within my lifetime.

20. If you were to die and come back as a person or a thing, what would it be?

I haven’t thought about that one! If I got to come back as a whole new person and got to do it all over again, I’d want to come back as the rock star who makes it big this time. Recording contracts, sold-out arenas, the whole nine yards. No law enforcement career this time, in this next life.

21. Where would you most like to live?

I’d love to have a private island off the coast of Oregon and Washington State, and have a big fancy cabin built there for Dylan and myself. Since I spent time with my bio family, I’ve also fallen in love with this beautiful area of the country. Our island would have a causeway bridge and of course gorgeous views of the ocean and forests. Definitely with enough space and privacy for all of us in the family.

22. What is your most treasured possession?

My riverfront house I ended up buying, in northern Portland. Not that I don’t miss downtown Bethesda and all the urban excitement of D.C., sometimes. It was a big change, but I felt like I was home. On a deep level I’d never felt before. I can’t see myself living anywhere else, even after not this long a time. Now, if I could only get the city to sign off on the building permit for a hot tub on the back deck, that’d be great.

23. What do you regard as the lowest depth of misery?

That’s a tough one to talk about. I’d say it’s the feeling of being alone after a traumatic loss. A sudden loss of someone or something who’d meant the world to you, and you couldn’t have guessed it was coming. People can say they sympathize and understand how you feel, but they don’t. Not really. Not unless they’ve lived through the same kind of loss.  

24. What is your favorite occupation?

Ask me that a few years ago, and I would’ve said “Mine is! Working for the FBI, of course!” But lately I have low-key thought about what other career I would’ve pursued given the desire and the circumstances. The first one I came up with: I would’ve gotten my Krav Maga instructor certification and opened my own KM studio. It would be in White Pine Bay, because god knows women there especially need to learn self-defense. Then maybe I’d open another one in Portland, and after that: who knows? Another, very fleeting career thought: If I’d really pursued it seriously when I was younger, I might have ended up singing in a band that made it big, or *laughs* otherwise ended up in show business. But it wasn’t the path meant for me, in reality. 

25. What is your most marked characteristic?

I’ve always been told I pull the energy right to me once I walk into a room. Most people already there, their attention gets drawn to me even when they’re doing something else. I suppose that’s defined as magnetism. Others’ attention gets me energized and even more confident, though I’ve also been accused of arrogance. It’s something I’ve honed for years: the need to mentally and emotionally grab people and shut down any flickers of doubts they may have about me, my leadership, and my convictions that my course of action is the right one.

26. What do you most value in your friends?

I don’t have many female friends, except my sister and a few from the Academy or college that I keep in touch with on Facebook. It’s not that easy to make friends with most other women because we end up having nothing in common, and of course I’m guarded about my family. If I did have them, I’d value a lack of jealousy or toxic emotional fuckery that’s so prevalent among adult women who never matured past high school age. When it comes to finding a beautiful fuck-buddy, I don’t have nearly as much trouble ;)

27. Who are your favorite writers?

Anyone who has written a good autobiography or memoir. I love following other people’s journeys and experiences through this crazy life with all its highs and lows. They can be famous or not; it doesn’t matter to me. Everyone’s life is a story to tell. Some of my favorites: I’ll read anything by Haven Kimmel, most of Stacy Layne Wilson’s books, and similar. I’m currently reading “The Woman Who Smashed Codes” by Jason Fagone.

28. Who is your hero of fiction?

Most of what I read is non-fiction, like I said. I think anyone who writes down their life story and all its intricacies is pretty heroic, putting it out there for the world to read. If I had to pick a fictional hero, it would have to be Molly Bolt from Rita Mae Brown’s Rubyfruit Jungle. You don’t have to be gay or even female to love this character. It also brought me a long way in realizing how much my own bisexuality is to be owned and celebrated.

29. Which historical figure do you most identify with?

Gloria Steinem. I consider myself a Steinem-era feminist; I was raised that way and it definitely comes from my mother. I see all the ways feminism has changed over the decades, and it’s funny how some of those beliefs are downright conservative when you compare them to some of what’s considered “feminism” today.

30. Who are your heroes in real life?

I don’t truly have a lot of hero-worship for much of anyone. It goes back to my being a supposed egomaniac, which I still think is an exaggeration. Like a lot of kids, especially cops’ kids, my dad was one of my heroes when I was that young. Until I grew up some, then learned he (and any law enforcement officers) isn’t all-powerful against the evil in this world.  

31. What are your favorite names?

Those of us three Calhoun siblings: Emma, Caleb, and Norma. They sound rhythmic together. Even though I take serious issue with what my brother did to my sister, we are still bound by blood and that’ll never change. Caleb and I have a rocky relationship, and I would slap handcuffs on him in a second if he ever tried to hurt her again. But he’s still my brother too. Part of me will always believe there should’ve been three of us growing up together. I still wonder how different our lives would’ve turned out if we had.

32. What is it that you most dislike?

People who exploit and harm those who can’t defend themselves. They don’t even have to technically break the law, although most I’ve encountered do just that, over and over. There are too damn many of them in the world.

33. What is your greatest regret?

Shit, I was hoping I wouldn’t have to talk about this. *deep breath* My greatest regret is losing someone I loved deeply and highly valued as a colleague. He was married and a father of two, and I had no business falling for him. Of course that does nothing to stop it, ever. Neither of us could control falling in love. It’s taken me years to accept and believe David’s murder wasn’t my fault, that there was absolutely nothing I could’ve done to stop it. I’m just now coming to accept that what happened to him after he died isn’t my fault either.

34. How would you like to die?

In the words of John Lennon, “I’ll probably get popped off by some loony.” Haha! I kid! Ideally, I’d like to die naturally as an old lady, surrounded by loved ones. I don’t think the odds are much in my favor for that, but we can only wait and see...

35. What is your motto?

If you’re physically and mentally able to do something to make things better and punish the deserving, then you no longer have the luxury of shirking that responsibility.

Also:

“Do what you feel in your heart to be right--for you’ll be criticized anyway. You’ll be damned if you do and damned if you don’t.” --Eleanor Roosevelt

[salyardskatalyna]

variable universal life insurance calculator

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variable universal life insurance calculator

variable universal life insurance calculator. The table above shows the results of the American Council for Life Insurance (ACLI) study on a simplified or traditional term life insurance calculator. The purpose of the table is to provide a general view of the types of life insurance options that might be available to you, however our analysis includes an estimate of the average cost for each insurance company. The table below gives estimates based on the cost of guaranteed issue life insurance based on the results of the 2015 ACSLI study, as well as estimates from other sources. The ACSLI calculator includes figures from the U.S. Department of Agriculture’s Department of Commerce and Industry, and the ACSLI study does not include life insurance. The ACSLI calculator includes a table of the types of life insurance that might be available to you. The ACSLI calculator includes figures for term life insurance and whole life insurance. However, the ACSLI calculator and column data are for informational purposes only. You can also compare term life insurance with rates. When you get. variable universal life insurance calculator.  If your coverage amount is about 80% of your cost to purchase it, your premium may be considerably less this way.  However, it is very important to calculate your (average monthly premium) and your .  It is important to review the amount that your  can go on so you can make an informed buying decision.  I say this because if you have any questions you can contact me at 888-925-3419.  If you have any questions about life insurance contact me or you can  online  . I am looking for a permanent life insurance policy. My parents are currently in very good health.  My cousin, she recently passed in August. I am very curious to see what kind of life insurance she has, for her to be in the United States I have insurance on my three children. I had always been insured but got turned down. They have been so good. I just couldn t afford to put. variable universal life insurance calculator. In the case of the individual mentioned above, his income is in the millions and no more people are paying premiums. He will have no ability to cancel the insurance policies if he can prove that he is paying. If he makes a claim for the premiums, this is another reason that life insurance is an excellent option to consider. Finally, we have the individual mentioned above. In his life, he is considered to be a very smart individual.  He has no financial problems, a great career, a great health record, and he has a long and stable history of having had very positive experiences in the workplace, and he has learned a lot from his experience in the profession.  He is willing to answer any questions that are in order to answer them. For the life insurance advisor who wants to find the best policy for his individual needs, the answer they offer is one of trust. What This Really Means is That You Have to Work With One One thing that is important.

Insurance by state

Insurance by state Insurance is underwritten by a separate company and is guaranteed for a specified period of time. Companies that we’ve reviewed We looked at , included many of the same companies as the one in this survey. This is a list of the subsidiaries of the top performing independent insurance company based in California: Mortgage company: Mutual Group Life Consumer: Auto-Owners Business: Casualty Independent company: Mutual Group Life Life insurance company: Property and Casualty 1. Universal Life 2. Universal Life 3. Non-owner life insurance Full-service independent company: Mutual Group Life State farm: Mutual Insurance Company We also reviewed the top third of life insurance companies in California: American Family: Families with $5,000 in medical bills: Mutual Group Life Farmers: 3 Mortgage Company: Farmers Haven: .

Is universal life insurance worth it?

Is universal life insurance worth it?  Let’s find out.  As you can imagine, this kind of coverage doesn’t work for everybody in the event that you pass away.  This kind of coverage is required in a lot of states, but is also found in many states for . So, when a loved one passes away, the family does receive some kind of to help them with all their funeral and planning needs.  These benefits can also include a portion of the money that the policyholder would have to pay into a before their health will return to normal.  You can get life insurance for your parents (even if their employer doesn t offer it) and they won’t be forced to put a portion of your coverage toward medical expenses, but you should also check with the to see how much life insurance you might be entitled to and how much they may use to help pay for funeral costs.  While some policies are available to you (including term life insurance ), is.

Insurance types

Insurance types may vary by state, company, or city. Check out our full guide on . Ensure you re getting the best rate for your auto insurance. Compare quotes from the top insurance companies. Since 2001, Freedom National has been providing low cost car insurance for many Southern California drivers. We’re an independent insurance agency offering a comprehensive suite of insurance solutions to protect you from the unexpected. We don’t just sell insurance. We work closely with clients to help them make important and informed decisions every day when it comes to protection and their future. Whether you’re courting a new insurance agent. How do you know that you and your family have the protection coverage in front of you? Whether you’re looking for customized California car insurance savings for the best customer service or a combination of both. Freedom National stands apart from the pack when it comes to customer service. With nearly 40 years of service, we are proud to be a part of the California transportation.

Now You Can Calculate Life Insurance Cash Value

Now You Can Calculate Life Insurance Cash Value”. (Available after the first three months.) If it’s not an option for you, then you have to pay in case the insurer has to pay. To buy life insurance after you get older, it’s best to stay as young as possible. You could buy term, permanent or universal life insurance. You may also choose to buy an investment vehicle. I think you should check out our “Who can buy affordable insurance after you’re older” video. If you already have a life insurance policy that you hold, you can buy term life insurance, regardless of any if you have dependents. However, life insurance rates will vary widely by age. As the most common way to keep your premium low, you could buy life insurance at age 40 which should make the cost as high as $100K per year for a 40-year-old with a 20-year term policy on the market. As you can see, the best savings come.

Variable universal life insurance

Variable universal life insurance is the cornerstone to a company that is considered to be the most affordable, and the company’s insurance policies can be in range of $100,000 to $500,000. The company’s policies are also affordable when you add supplemental survivor rider to a group disability rider coverage. So, if the insurance policy you buy is for $100,000 or even more (and the employee perk applies), then it’s not too shabby (and you may be paying less). When comparing the company (and the insurance carrier) in terms of policies and benefits, the company tends to be more lenient towards the employee and heath issues. This is likely to mean that there are fewer problems when it comes to the insurance company having to pay out on your claim. If the employee is insured by a group of other insurers, they will be an equal amount of risk on your claim – you may not find out unless you request it by asking a few questions on the application.

Alternatives to Universal Life Insurance

Alternatives to Universal Life Insurance I do recommend using Universal Life. I do love Universal and if I do it would be perfect with their insurance options. They do an excellent job in this area. I would absolutely recommend them. The reason why Universal Life is great is that they offer more than just life insurance. This is really important, and it only takes a few minutes and you can do it. You cannot go wrong with the company and service. I am just a freelancer with no claims. I recently had to change jobs due to my pregnancy and wanted to switch to Universal Life. After receiving my Universal Life insurance, I realized that I could do much better. To get Universal Life insurance, I purchased a whole life policy on myself and my wife as a benefit of our mutual purchase. We were both in high school and are planning to get married so she could help us plan the coming year. We were fortunate to not have a problem finding Universal Life insurance. The company offered a great price and a great customer service.

Medical Exams for Universal Life Insurance

Medical Exams for Universal Life Insurance: An additional type of universal life insurance that requires a physical exam to qualify, including: Universal life insurance usually covers only three to 10 years, which can be a large price to pay to keep your policy active. provides the most affordable permanent life insurance policy. Its $5 million coverage amount may not give you a full picture on the amount you could pay, but the policy can be converted to a single $25 million amount of guaranteed future security — which is why it’s a good idea to opt for whole life insurance, without having to prove you’ll die in the case that you have a terminal illness. With guaranteed universal life insurance they will not need to pay a lump sum to cover a policyholder’s care costs. They’ll simply be paying the amount a beneficiary has to pay in their lifetime.  This can be the difference between having a guaranteed death benefit, and having a death benefit that will never leave a beneficiary. It’s also.

Types of Universal Life Insurance

Types of Universal Life Insurance The best policy is one that covers universal life insurance with the same type of coverage as its predecessor, Universal Universal Life insurance is a universal product that’s only being used once in years. Like other Universal Life insurance products, if one chooses that they will be replaced by Universal, then Universal Life insurance is not a permanent product. The downside is that the coverage on Universal Life insurance is very expensive. This is an important factor with universal life insurance like Universal Life insurance, but it’s only when a person is looking to buy universal as it’s the best option. Universal Life insurance is the best product for people who will require more than one policy and who usually have to buy a more permanent product before they can qualify for Universal Life insurance. Universal Life insurance is not a universal product that’ll be replaced if a person buys Universal Life. This is a situation where a person should consider other universal life insurance products and will need to choose another product if they need to.

How Does Universal Life Insurance Work?

How Does Universal Life Insurance Work? Is Whole Life Insurance Bad? is a health insurance company that offers financial protection to you no matter how big or small you are, as long as you are young and healthy. is a health insurance company that provides coverage for you or your family, in either case you can ask them to participate. The plan is designed for individuals who have certain health conditions at a lower risk level than their peers. Your plan will allow them to obtain more preventive care at a lower cost, however. Universal Life Insurance works like a 401(k) plan but at an amount determined by the plan’s investment needs. If your 401/LLI is less than your plan’s investment, then you will need to pay for Universal Life Insurance and the plan will provide an investment (in this case the adjusted gross income for a total investment of $3,000). If you are a low-risk employer, then you should not use the policy to pay for a small medical bill. Most large employers would.

Using Cash Value Life Insurance for Retirement Savings

Using Cash Value Life Insurance for Retirement Savings:  cash value life insurance for retirement savings is a popular option for retirement planners. If you are looking for the cheaper life insurance option that delivers affordable death benefit life insurance death benefits in retirement,  insurance coverage for retirement savings, cash value life insurance will surely make sense. As discussed above, life insurance for retirement savings is an insurance product that’s intended for a certain amount of time as long as the life insurance is held for a certain term. The term and amount of the benefits will vary by age, health, and other factors. Therefore, it’s important to compare policies as a retirement planning tool to make sure you have a plan to meet eventual death benefit funding needs. In some cases, a life insurance policy is an option to provide a life insurance policy to your heirs for an added amount of death benefit. Here, we’ll be answering the question of why you shouldn’t have life insurance when you are younger that you have.

[driggarssaleha]

amica term life insurance

BEST ANSWER: Try this site where you can compare quotes from different companies :insurecostfinder.top

amica term life insurance

amica term life insurance and term life insurance policy for parents. They have been in the business for nearly 100 years and are recognized as an excellent financial advisor, insurance plan for the needs of their policyholders and agents with years of experience in the industry. As part of the financial planning field of today’s marketplace, as well as offering coverage from numerous companies, the majority of companies that offer  are called life insurance agents. They are committed with the knowledge and experience, and are the best that I can trust in our products. ’ I can’t think of any other name or company that will help me protect my family on a policy. They help us find our policies with as little as $8 a month. It’s not a secret that life insurance agents work in their own agency, but they can work with more than just a general sales experience to find the insurance companies that offer the most affordable rates on term life insurance policy rates will work better for him is to offer. amica term life insurance, but you have the option of purchasing whole life insurance. In essence, if you want to purchase whole life insurance for your children, but you don’t want children to have to use your term insurance, the best thing you can do is make them use your whole life insurance, and your premiums will also be lower. This is a great option if you are pregnant or if you have some other permanent life insurance that you’re funding your child with. Term insurance is a good option if you only need coverage for a term for a set period of time, but you’ll probably want to protect your investment—and make sure your child’s financial future is taken care of. Finally, whole life insurance will pay, unlike term insurance, if your child passes away before the cost of the insurance policy is paid, or if your child’s health deteriorates over time and the cost of the insurance policy has increased because of it, then your child may need to. amica term life insurance company. In addition to the term life insurance, the company offers two whole life coverage options, with coverage lengths of 25-year, life, which is longer than both whole life and permanent life, and term insurance with guaranteed growth. With permanent insurance coverage, the insurance can last your entire life, from the age of the insured. In addition, with whole life insurance, there are temporary insurance options that allow you to add coverage for your spouse, children or even your pets. The name is different from universal life insurance companies, so we’ll call them the “One Term Life Plan.” This whole life insurance coverage protects against a variety of . This policy’s term lasts as long as your coverage is in force and your premiums are guaranteed to be reimbursed. This is great coverage for younger folks who typically don’t have a great investment portfolio or any need for extra financial aid. This permanent life insurance cover also offers the ability to convert your.

Amica Life Insurance Customer Service

Amica Life Insurance Customer Service Line . When we said we wanted to make sure you weren t overpaying for your car insurance, we made sure. We also went over budgeted. You can take a closer look. We re the only one of the companies that can provide such information. Because each of these carriers specializes in the specific risks of a specific driver in all of their models, we’re going to go through the options that the market has to offer for that particular driver. We’ll look and see how much it would be. Then we’ll go over what they have to say about that particular driver and discuss what we could do to improve their situation. And by the time our driver reaches his or her 50s and he/she isn’t in any accidents, the insurance company is likely going to think that she has the coverage that’s required so they can refund that money. This is where we really are going to put.

The Amica life insurance review final Verdict

The Amica life insurance review final Verdict The lowest premium for the is $18 per month. There is a . Amica’s annual premium for the is very low. The Amica’s rate is comparable to many other top companies. That Amica’s premium is very competitive at less than $30 per month. This company also has a in the $1-11k range, although the company is not exactly the best provider among the best life insurance companies. Some people think Amica’s rates are just $75 a month which is not too bad at all. That is what you should be aiming for as you are considering the best coverage. The cheapest overall life insurance company I know is Amica. The Amica policies cost around $1,350. So if you want to purchase a life insurance policy from Amica, this is the best company for you to choose. You will be able to select the coverage you wish to buy and you will be charged a commission or.

Amica Life Insurance Company Ratings

Amica Life Insurance Company Ratings and publications Copyright 2020 Smartfinancial.com Ins LLC DBA SmartFinancial Insurance. All rights reserved. SmartFinancial Insurance is a digital insurance comparison engine, providing real-time rates and insurance services in all 50 states through its relationships with carrier and agency partners. Our insurance services can’t be bound for you. In fact, it is recommended to purchase a car insurance policy that ensures you will get covered if there is an accident, injury, or loss while riding your motorcycle. The car insurance policy includes: An accident on the bike won’t cause your coverage to lapse — it will not be your responsibility and it won’t affect your chances of getting insured. You can cancel from any auto insurance carrier your motorcycle coverage. Here are a few items to keep in mind when you’re shopping for the right insurance coverage: Although there are some car insurance companies that have the policies issued by.

Expert Review Of Amica Life Insurance Company Review

Expert Review Of Amica Life Insurance Company Review of Amica Life Insurance Company Inflation Rate Policy & Coverages – Amica Life Insurance Company has been around for over two hundred years. When reviewing the company for life insurance companies, insurance companies use many variables to determine the price that they will charge for coverage. In addition to the level of risk that an applicant has to meet each state in which their coverage is based, Amica Life Insurance Company also includes many factors that determine if an insurance company is a good fit for you. If you are looking for the company to handle your life insurance rates and policies, check the policies with , and you will know that Amica Life Insurance Company is a reputable insurance company to consider. For more information on Amica Life Insurance Company, please reference the page below. It is a common practice for insurance companies to rate companies on things like price and availability of coverage. The fact that Amica Life Insurance Company is a fairly high performing, top tier, based company cannot be ignored. It may even be a.

Term Life vs. Whole Life Insurance

Term Life vs. Whole Life Insurance. Your life insurance policy is simply a contract between you and an insurance company. You are then bound by the terms of the policy. It’s just one piece of the policy that is all on the table when it comes to the other pieces of it. Your life insurance policy should be an integral part of being a responsible American financial adviser and investment advisor. An (or advisor) will make sure the value of your life insurance policy is not an out of pocket expense. Here’s what it looks like when you have one policy – For a simple one-page application for a term life insurance policy, just ask the underwriter the carrier you are applying for the insurance. Your agent then will run an estimate of what you will owe a year’s premium for each. You are required to be at least age 30 and have lived at least 8 months of the year. The best way to get the from the insurance company is to give them a call today. Your.

Insurer Ratings and Better Business Bureau (BBB) Grade

Insurer Ratings and Better Business Bureau (BBB) GradeA = A+ grade Superior grade Superior grade B+ grade B+ grade Superior grade B+ Recommended by A.M. Best and/or A.M. Best, both A-rated companies. The table above displays the lowest car insurance premium from top insurers. Consider your needs, budget and claims history to determine how much car insurance coverage you should buy. Insurify’s system tracks your driving habits and gives you a choice of insurance coverage. The chart below looks at different types of coverage for the following types of drivers. These are also available in many states, including: Choosing car insurance is challenging in Florida, where the average recommendation is $1,256/year, the highest ever. That’s much lower than the U.S. average of $2,521/year. Still, drivers will find coverage to meet their needs. Consider the factors below..

The first and only insurer to win 50 J.D. Power awards.2

The first and only insurer to win 50 J.D. Power awards.2  is known for its superior underwriting at the industry’s top levels.3  is also a top-10 agency,  with an Excellent financial and accuracy system.    The company is known for reliability and responsibility insurance providers who serve all customers.    The average monthly cost among insurers is $74. It s important to note that this rate change is for an average driver who is currently using Avant Preferred Auto Insurance.    A variety.

Amica helps you find more ways to save on insurance.

Amica helps you find more ways to save on insurance. When you request an auto insurance quote, our team will work to help you find the policy that fits your budget and your needs. Call us today at 888-492-9945 or go online and get a free quote. Auto, home, business and more from top insurers, such as Geico. The Geico insurance company is the nation’s 11th-largest property and casualty insurance company. Its national reach extends to all 50 states, the District of Columbia and Puerto Rico. A.M. Best ranks Geico as an “A” rating with an A++. A.M. Best is the industry s highest quality credit rating agency that rates insurance companies on their financial stability and financial health. The better your credit, the easier it is to get a quality insurance policy. Whether you re searching for , or more information about insurance, we re ready to help. We help you search for the best insurance deal because you re sure to get the best coverage.

Amica Life Insurance Company History

Amica Life Insurance Company History Products and Business Auto Home Life Medicare Health What Is It Now? Today, In all 50 states, in addition to a handful of international companies such as the USA Holding and AIG, is it a company that offers products to the local market? Can you get insurance with AIG or Canby? Let s take a look at how this company is different because how they treat each customer. Is AIG Insurance the biggest insurer in the U.S.? AIG provides the same coverage, discounts and service as AIG, but you may consider purchasing from a third party. It’s not always the right choice but it is always a good idea. It specializes with a certain group of individuals and it specializes in insuring the following individuals. This is not the first company you have read about in that is known for it s policies. They offer life insurance to people age 50 and over. They do.

Bonus: The most common mistakes people make buying life insurance and how to avoid them

Bonus: The most common mistakes people make buying life insurance and how to avoid them. Summary Buying life insurance is like every other business—you need to have it, the coverage, the products, in order to keep your business intact. It can take the effort to find a plan that works for you so you can grow your business with the people you love. But here’s the real challenge: how can you eliminate your competition? The good news is, there are plenty of ways! With the right education, you can be sure that this is all you need. We work hard to make buying life insurance as simple as possible, allowing you to get the coverage you need at a price you can afford. Let us help you become an expert. Learn more about . Let us learn about . Like many different kinds of life insurance, there are two categories you could focus on: guaranteed issue and simplified issue. You pay the entire premium up front, and it’s guaranteed to stay the same price — not increasing over time.

[deniscollins]

How the U.K. Restarted Its Restaurant Industry: Paying Half the Bill

The British government ended its national coronavirus lockdown by telling people they no longer had to stay home. To get everyone back outside and, crucially, for the month of August, the government has been paying for a 50 percent discount on all meals eaten in restaurants, pubs or cafes, up to 10 pounds ($13) per person, on Mondays, Tuesdays and Wednesdays. Should the U.S. government offer a similar 50% food discount policy: (1) Yes, (2) No? Why? What are the ethics underlying your decision?

When the British government told people they no longer had to stay home, it needed a convincing pitch to get everyone back outside and, crucially, spending money.

The answer: half-price food. For the month of August, the government has been paying for a 50 percent discount on all meals eaten in restaurants, pubs or cafes, up to 10 pounds ($13) per person, on Mondays, Tuesdays and Wednesdays.

It’s a discount that Britons have taken up with relish.

“Last Wednesday, my God, was pandemonium,” said David Williams, a co-owner of Baltic Market, which houses about a dozen street food and drinks vendors inside a converted 19th-century brewery in Liverpool. “There were more people in the queue than there were inside of the building.”

In the first three weeks of the Eat Out to Help Out program, 64 million meals — enough for nearly the entire British population of about 67 million — were eaten using the discount, costing the government £336 million ($441 million).

When Rishi Sunak, Britain’s top finance official, announced the discount last month, he described it as “a first-of-its-kind�� means of supporting the 1.8 million people working in the hospitality industry. Between April and June, the sector’s economic output plunged 87 percent. “They need our support, and with this measure we can all eat out to help out,” he said.

On the first day, Aug. 3, food sales rose 100 percent compared with the previous Monday, according to CGA, a consultancy that tracks data on eating and drinking out in Britain.

“People, and myself included, underestimated the effect it was going to have,” Mr. Williams said of the discount, which includes nonalcoholic drinks. “Most restaurants in Liverpool now, you can’t even get a table for the whole of August Monday to Wednesday.”

Before the national lockdown, Baltic Market was open only Thursdays to Sundays. At the start of August, it opened on Wednesday to take advantage of the discount, and after two weeks the owners decided to open seven days a week for the rest of the month.

The restaurant industry is grateful for the rush of customers, but there are concerns about whether a temporary discount can trigger a sustainable recovery.

The government’s offer, aided by some pleasant weather this August, has encouraged customers to return to restaurants, especially the outdoor seating offered by many establishments. If diners retreat back to their homes once it’s too cold to dine outdoors, however, or unemployment rises as the furlough program ends in October, what then?

“At the moment I’m trying to really enjoy everything about it,” Mr. Williams said. “But I just can’t help but feel we’re in a bit of a honeymoon period with it all and that come October, with alfresco dining ending and furlough ending, it’s going to be a very, very different landscape and story.”

Kate Nicholls, the chief executive of UKHospitality, a trade group, added: “People are making hay while the sun shines, and seeing it as an opportunity to build back a degree of resilience” in case the crowds of August thin out in the fall.

On a recent Tuesday evening, the Soho area of central London had taken on a festive atmosphere. Rain held off, and streets were closed to traffic to allow restaurants to put tables outside. Bunting made the socially distanced tables appear more cheerful, and less like a stark reminder of the health risks.

On several streets there wasn’t a single empty table — and they were as noisy as on any pre-pandemic summer evening. It almost disguised the fact that central London is nearly devoid of office workers and tourists, with most theaters and other attractions still shut.

Before the pandemic, “this was the place to be,” said Stani Visciano, the maître d’ at Lina Stores, an Italian restaurant in Soho. On a typical night, a line of customers would already be waiting when the restaurant opened at 5. The pre-theater crowd morphed into the dinner crowd, and anyone without a reservation faced a long wait, he said.

On this Tuesday evening the restaurant was fully booked — and again for Wednesday.

But the revenue isn’t the same. The pre-theater rush has gone. Before social distancing, the restaurant could seat 52 people. Now, fully booked means 40 diners at a time — nearly one-quarter fewer customers.

The British economy fared worse than any other in Europe during the second quarter of the year, because of a longer lockdown period and heavy reliance on consumer spending. To dig itself out of this hole, the country needs people to return to bars and restaurants and cafes and coffee shops in large numbers. The government set aside £500 million for the half-off discount, an amount that economists didn’t consider to be particularly substantive compared with the £190 billion the government intends to spend on the economic recovery from the pandemic.

After spending months warning of the dangers of indoor public spaces, the government now has to persuade people that it’s safe to return to their previous habits. Throughout this crisis, the government has turned to behavioral economists to help devise different parts of its response — and their principles seem to be hard at work in the Eat Out to Help Out program.

“There are two psychological forces at play,” said Ivo Vlaev, a professor of behavioral science at Warwick Business School, who has been advising the government and National Health Service on its communication in response to the pandemic. (He didn’t work on the meal discount plan.)

The first is habit creation, he said. When someone does something and receives a reward, like the half-off discount, the next time the same situation arises, the memory of the reward encourages a repetition of the action — and this continues until the situation alone, even without the reward, can trigger the action.

The government’s dining discount could be particularly effective at getting people out to eat on their lunch breaks, Mr. Vlaev said. “It’s a very powerful way to change people by habituating their behavior because they then act on autopilot,” he said.

The second force is known as “psychological commitment,” Mr. Vlaev said: In order to get people to agree to a large request, you get them to agree to something small first. People in Britain might agree to take advantage of the restaurant discount, but once they are out and enjoying themselves the government can more easily ask them to return to offices, gyms, theaters and so on.

So far, the experiment is working.

A survey by CGA found that nearly 40 percent of people using the Eat Out to Help Out discount were dining out for the first time since the national lockdown began in late March — a sign it is winning over people who had gotten used to staying at home. The discount was also encouraging families and older customers to go back out, Ms. Nicholls of UKHospitality said. There have been no reports of spikes in coronavirus cases tied to the program.

But even if the customers want to keep coming back, restaurants face a lot of uncertainty.

Half of Britain’s restaurants are still closed, Ms. Nicholls said. Across the hospitality industry, businesses that are open are making only about 70 percent of their pre-pandemic revenue. The government has reduced the VAT, a type of sales tax, on food and nonalcoholic drinks, but this will expire in January. The government also put a moratorium on forfeiture of commercial properties because of unpaid rent for six months, effectively allowing businesses to delay rent payments until the end of September, when the next three months of rent will be due.

That heavy rent debt, building up for over the last six months, is “the single biggest outstanding issue” facing restaurants and the hospitality industry generally, Ms. Nicholls said.

And while the Eat Out to Help Out program can help change consumer behavior, it doesn’t address how each establishment will make up for reduced capacity because of social distancing measures, or what will happen when it’s too cold to dine outside. A recent survey by the Office for National Statistics found that just 43 percent of people felt comfortable eating indoors.

Baltic Market now has a capacity of 150 to 200 people, at best a third of the number of people it could have fit in before. To accommodate more people through the fall and winter, the owners say, they are building heated booths so more people can keep dining outside.

“That’s what the big worry is,” Mr. Williams said. “Obviously, we don’t live in California or Dubai, we live in the U.K. So there’s a finite amount of time that you want to eat a bowl of pasta outside.”

[ncmagroup]

by  Sean M. Wood

The COVID-19 pandemic may be the single greatest defining event for local print publications reshaping distribution, advertising, staffing, and community engagement. Unfortunately, for a number of local dailies, alternatives, weeklies, and free publications, the pandemic could be an extinction-level event.

Local publications have been slashing staff, cutting print frequency, and reducing pay to bring down top-line costs as advertising revenue has plummeted as much as 60 percent as shelter-in-place orders went into effect. But the lockdown has people clamoring for local information. Traffic to newspaper websites has been up by triple digits with readers wanting to know about things like infection counts, COVID-19 deaths, where to get tested, and what’s open.

“This is the perfect example of ‘all news is local,’” said Jed Williams, chief strategy officer for the Local Media Association. “We all need to be very much in touch with what’s going on around us.”

Williams was one of the first of a series of media industry experts and executives to join E&P publisher Mike Blinder on the E&P Reports podcasts to talk about COVID-19’s effect on the industry, resources available, and what happens next.

The print news industry was already struggling in a number of markets. Debt-laden hedge funds had been slashing staff and cutting print frequency to reduce costs long before COVID-19 started its lethal spread. Also, local and family-owned outlets have been coping with dwindling advertising dollars and shrinking circulation. The virus just accelerated things.

“What we see is this: If you are getting decimated on advertising but advertising is only 30 percent of your revenue model, this really hurts but it’s not an extinction-level event,” said Earl Wilkinson, CEO of the International News Media Association. “If your model is 70 percent advertising but your advertising is down 30 to 40 percent, this is an extinction-level event.”

The Facebook Journalism Project tried to stanch the bleeding with up to $1 million in grants for local U.S. and Canadian news organizations covering the coronavirus. The Lenfest Institute for Journalism and the Local Media Association distributed the funds in $5,000 parcels as grants.

“We’ve got a huge crisis in front of us, right now,” Williams said. “We have to serve the information needs of communities more effectively and with greater speed and clarity than ever, but we have news organizations that are resource-strapped, that are time-starved. We’re not looking three years out. We’re not looking three months out. What can we do to put money, to put resources into the hands of these news organizations?”

Changing Perceptions

At the same time, news organizations were doing whatever they could to stay afloat, the demand for their product was reaching unprecedented levels. Wilkinson had reports from his membership of website traffic spikes of 40 percent to 115 percent. Publications in Europe were reporting increases of up to 100 percent online subscriptions. Domestically it was closer to 15 percent, according to Wilkinson who spoke to Blinder on E&P Reports on March 23.

“We believe the difference is most European publishers are not opening their paywalls to COVID-19 coverage and most North Americans are,” he said. “Let’s see if that theory holds true in the next seven to 10 days. Once we right-size our workplaces, once we know what our priorities are, we know what our business models are, we’re going to settle into a new normal. That’s when a number of publishers are going to start adjusting their paywalls up or down.”

Wilkinson said the pandemic was also a chance for publications to change how they are viewed in their communities. He called it a “trust moment.”

“It’s an opportunity to right any wrongs or misperceptions about what we do,” he said. “Not just an opportunity on the content side but in relationship building, on the (business) to (consumer) side. To be that connective tissue. What if on the other side of this, a customer can point the finger at you and say, ‘You were the savior of my business.’”

Several guests on E&P Reports talked about opportunities on the advertising side for local sales teams to strike up relationships, create new opportunities, or be a resource for a business struggling during the pandemic.

“People need guidance and they need help,” said Gordon Borrell, CEO of Borrell Associates. “We’re finding phenomenal response rates from advertisers. They’re looking at you to help them. They’re feeling it. First, you have to empathize with them. Then give them ideas. Everybody needs a leader right now so, be a leader.”

Mike Beatty, president of APG Media, described how the newspaper publishing group has given away more than 1,200 print ads—65 percent of those are new customers—to small and medium businesses. The ads are a way for the publications to show their support and hopefully generate some revenue.

In the second phase of the “stimulus package” is an offer to advertise and the publishers will match dollar for dollar any ad spend over $500 up to $1,000.

“We have almost 150 to 160 advertisers that are taking us up on the stimulus offer,” Beatty said. “We let them know we’re here to help and we’re all in this together.” He expects to continue the program into September.

On the content side, America’s Newspapers rolled out a public service campaign called “Newspapers Have Your Back.” It is a series of ads and social media posts that publications and the public can use to promote the important role newspapers play in the community. The ads feature the front-line workers—health care, public safety, grocery—who have been combatting the coronavirus and keeping essential services running.

“Newspapers have had an interesting relationship with their communities,” said America’s Newspapers CEO Dean Ridings. “They serve a public interest role. I think most publishers understand that. They understand the need to provide their communities with information of value and they take that role as seriously as they do making money. You have to make money in a business to survive. But we also have that public-serving role. And I think we are being less afraid to say, ‘We are doing this for you. We need your help.’”

Alternatives and Free Publications

These properties may have been the hardest hit by the pandemic. Their distribution channels have been upended with restaurants, bars, and live music venues shuttered in an effort to stop the spread of the virus. Those outlets were also a mainstay of advertising for the alternative publications so that well of revenue has run dry. Additionally, the events these publications created as a new stream of revenue have been postponed or canceled until further notice.

“These are incredibly dedicated people with an interesting business model but the wrong business model for this point in COVID spring,” said news industry analyst Ken Doctor. “Eighty percent or so of their advertising is just gone. A big problem with the alternative weeklies is they are totally exposed to advertising. They are moving to events which are another form of advertising and their weakness as a business has exposed them.”

Across the country, alternative publications have furloughed staff, cut salaries, and done what they could to control costs while still trying to fill their role of providing in-depth coverage beyond the daily deadlines.

“We’re used to living on the edges,” said John Heaston, president of the Association of Alternative Newsmedia and publisher of The Reader, the alternative publication in Omaha, Neb. “You have an industry that has hung together through thick and thin. We punch way above our weight.”

Heaston said alternatives have been launching membership programs with relatively strong results. “There’s a small cohort that’s been measuring their progress of memberships and we’re seeing returns converting registered users to paid at five to 10 times the rate of what the Google Initiative Lab reported last fall,” he said. “These are people stepping up to support local journalism.”

Several free publications—not just alternatives—have been exploring new distribution channels, according to Loren Colburn, executive director of the Association of Free Community Publications. Grocery stores and gas stations have replaced the bars and restaurants. Some members, Colburn said, have been working with advertisers to include their publications in food deliveries.

“It’s community supporting community,” he explained. “The advertisers need to get in front of people.”

All the free publications that are still viable are promoting their online presence, which is a far cry from the last eight years when only about 30 percent to 40 percent were online, he said.

“I see them emphasizing that more than they’ve ever done,” Colburn said. “I don’t think the publication you see going into this is going to be exactly the same as the one that comes out of this. That’s probably to the good. It will make them leaner and meaner.”

In the Future

There will be an end to the pandemic. The big question is what will the industry look like when that happens? Professionals who have been cut to save costs should be working on their professional development, updating their resume, and reviewing their skills for when the job market opens again, according to Laurie Kahn, president, and CEO of Media Staffing Network.

Those outlets that did the cutting—and may have more cuts to make—need to handle people as kindly as possible, helping them to get on their feet, offering a stipend for job-hunting, and being kind in this worrying time.

“The better they treat their employees when they lay people off, the better they’re going to be when they start hiring,” Kahn said.

Doctors predict a dramatically different landscape as publications reduce their print frequency, maintain their staffing limits, and possibly look at whether to maintain their real estate presence in the communities. What will be more important, he said, is creating personal connections to the communities that are being covered.

“It’s about the publisher being out in the community,” he said. “They have to have that community role, not only in the community but out with advertisers. It’s not just a sales call, but a relationship built over time. What we’ve seen is most chains have regional publishers in charge of four or five cities spread over 100 miles, 200 miles, or 300 miles. You need to really have the publisher out there representing the paper in the community and with those businesses. Newspapers have slit their own throats in these communities because they’re not involved.”

The greatest potential change will not be frequency or staff size. It will be in how local publications cover the societal changes that are bound to come out of the pandemic.

“Universal childcare, student debt, universal health care, income equity, and all of these issues that have been on the fringes may come to the fore,” Doctor said. “The local media companies, they need to adequately cover the news and issues of their times which may be changing. They also need to provide leadership. It doesn’t mean saying, ‘Here’s what we’re going to do, and here are the solutions.’ But take roles like the publishers. We can confront these issues. I think we’ve got to take a wider lens and look at the changing society. The news forces are no more diverse than they were 10 years ago. It’s basic journalism and how it gets done. It’s quite a challenge and we need people who are willing to take on that challenge.”

    Go to our website:   www.ncmalliance.com

    Media Leaders Weigh In on Where the Industry Will Head After COVID-19 by  Sean M. Wood The COVID-19 pandemic may be the single greatest defining event for local print publications reshaping distribution, advertising, staffing, and community engagement.

[andrewdburton]

How Americans spend money: A look at the latest Consumer Expenditure Survey

When I discuss American spending habits, I try to cite specific numbers. Sometimes people write to ask where I get my info. Simple. Whenever I cite figures about American earning, saving, and spending, I get them from the U.S. government. In particular, I use the Consumer Expenditure Survey (or CEX) from the U.S. Bureau of Labor Statistics.

Here's how the BLS website describes the Consumer Expenditure Survey:

The Consumer Expenditure Survey program consists of two surveys, the Quarterly Interview Survey and the Diary Survey, that provide information on the buying habits of American consumers, including data on their expenditures, income, and consumer unit (families and single consumers) characteristics. The survey data are collected for the Bureau of Labor Statistics by the U.S. Census Bureau. The CEX is important because it is the only Federal survey to provide information on the complete range of consumers' expenditures and incomes, as well as the characteristics of those consumers.

The Consumer Expenditure Survey is the only reliable source I've found about actual spending habits. Most similar projects have much smaller sample sizes and/or provide theoretical numbers. The CEX is a great way to develop a descriptive budget (one that deals with real behavior) instead of a prescriptive budget (one that pushes an agenda).

Naturally, the CEX has its drawbacks. As always, averages (and medians) only provide a limited view of a dataset. Plus, what might be true for an entire population (a country, in this case), probably isn't true for a small subsection (your state or city, for instance). Still, for looking at the Big Picture, nothing I've found beats the Consumer Expenditure Survey.

Because I'm a money nerd, I get very excited when the new Consumer Expenditure Survey numbers are released each year. And guess what! The 2018 data was released two weeks ago. I spent some time yesterday sitting in the hot tub and geeking out over U.S. spending stats on my iPad. Then I updated my personal CEX spreadsheet. (What? You don't have one of your own?)

Let's take a closer look at the Consumer Expenditure Survey — and what we can learn from it.

Decades of Data

If you visit the BLS Consumer Expenditure Survey page, you'll likely be overwhelmed by the amount of information available. When I first found the site, I had to sort through the various reports until I found the one most useful for my work: the “age of reference person” table, which splits spending info based on the age of the person surveyed. (This is the base report I use when I collect stats.)

I also like the “Library” section at the Consumer Expenditure Survey website. It contains decades-worth of research papers and reports related to personal spending. Some of my favorites include:

The retirement-consumption puzzle: New evidence from personal finances (2018)

A closer look at the spending habits of older Americans (2016)

Americans' aging autos (2014)

Spending on pets: ‘Tails' from the Consumer Expenditure Survey (2013)

To a money nerd like me, this stuff is golden!

Like most federal government agencies, the BLS has an excellent website. For starters, you can access all past CEX data on one of two pages: tables from 1984 to 2011 (plus 1961 and 1973), tables from 2012 to 2018.

Turns out the government performed this survey once during the early 1960s, once during the early 1970s, then made it an annual thing starting in 1984. That means there are now nearly fifty years of stats for money geeks to sort through. (Plus, the site provides access to a “forgotten” expenditure survey from the early 1940s!)

I've created the following table, which points to individual reports for each year. Yes, this is mainly for my own personal nerdery, but I hope that at least a few of you money bosses will enjoy it also.

The BLS Consumer Expenditure Survey summaries by year 1941 1961 1973 1984 1985 1986 1987 1988 1989 1990 1991 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020

If you'd prefer, you can make your way to the Get Rich Slowly file vault. I've created a directory that contains a PDF summary for every year of the Consumer Expenditure Survey. In the future, I'll add various other CEX-related downloadables here.

Crunching the Numbers

A few years ago, I went through past editions of the Consumer Expenditure Survey to grab data for a spreadsheet that tracks how American spending has evolved over time. Naturally, I just updated it for this year.

Rather than bury myself (and you) in a flood of information, I decided to look at roughly ten-year intervals. I figure by skipping a decade we get a more meaningful look at shifting habits. That means I used expenditure tables from 1961, 1973, 1988, 1998, 2008, and 2018 — the most recent year for which data is available. For fun, I also included data from the “forgotten” 1941 survey (which is much less comprehensive than later reports).

When I get time this winter, I'm going to update the spreadsheet to contain data for every year of the CEX.

Note: For our purposes, I cut a lot of cruft when transferring these numbers to spreadsheet format. These are complex statistical reports, and they're filled with numbers we don't care about (do we need to know the standard deviation for everything?) and jargon that just confuses, such as “consumer unit” (which we'll call “household”) and “reference person” (which we'll call “head of household”).

Here's a complete glossary of CEX terminology. Also, I'm not going to break down every little subcategory. The “Food at home” subcategory has 25 sub-sub-categories beneath it, including “bakery products”, “fish and seafood”, and “processed fruits”. I'm just going to stick to the primary categories and subcategories.

The following tables provide a run-down of the data I collected. After I show you the numbers, I'll discuss a few things that stood out to me about how American spending has changed with time.

Table 1: Cost of living adjustment and sample size

Tables 2 and 3: Attributes of the average American household Note that estimated market value of home is inflation-adjusted

Table 4: Income, taxes, and spending (actual)

Table 5: Income, taxes, and spending (inflation-adjusted)

Table 6: Spending by category (actual)

Table 7: Spending by category (inflation-adjusted)

Take some time to browse this info. Let it soak in. Look for patterns. Look for changes. What surprises you about how Americans spend their money? Where do we spend less than you thought we would? Where do we spend more?

Before I point out some of the things I find interesting, you should know a couple of things:

First, the tables from the 1961 Consumer Expenditure Survey contain wildly contradictory information. Different tables supply different numbers. Sometimes when you add subcategories, the total is greater than the parent category. Where there's contradictory info, I used table B-17 as my guide (since it most closely resembles later CEX reports). Another problem? Sometimes the scanned pages are difficult to decipher. Is that a three or a five? A six or an eight? I think the numbers here are accurate, but there could be errors.

The CEX tax calculation changed in 2013. Before then, tax numbers were getting corrupted by “non-response errors”. So, the BLS changed how they calculated taxes to get greater reliability. But, as a result, taxes for 2013 aren't like any other year in the survey's history. And taxes in years from 2014 on can't really be compared to 2012 or before. (For more info, check out the Consumer Expenditure Survey FAQ.

With those notes out of the way, let's dive into the numbers! Let's look at how Americans spend their money — both now and in the past.

A note on inflation: Using 2018 as a base, I calculated a cost-of-living adjustment for each year in order to factor out inflation. (I used the U.S. government CPI inflation calculator to get these numbers.) Looking at Table 1, you can see that prices in 1988 were roughly 48% of what they were in 2018. After computing this number, I converted it to a multiplier to get inflation-adjusted expenses. If 1988 prices were 48% of 2018 prices, that means we have to multiply numbers from the former by 2.08 to get equivalents for today.

How Americans Spend Their Money

We could spend hours sifting through this information to find patterns and trends. Instead, let's just hit the highlights.

First up, note how the size of the average household has dropped from 3.2 people in 1961 to 2.5 people in 2018. Almost the entirety of that drop comes from the fact that we're having fewer children. In 1961, the average household contained 1.2 children; today it contains 0.6 children.

Meanwhile, automobile ownership has boomed. Since 1973, we've gone from owning 1.3 cars per household to owning 1.9, an increase of 46% during the past 45 years. Other notable demographic changes:

Today, there are more full-time earners per household than there were in 1961 (1.3 vs. 0.8).

We, as a society, are much more educated than we were forty years ago. In 1973, an amazing 21.2% of Americans didn't have a high school diploma. Today, that number is down to 3%. Meanwhile, far more people are attending college (28% in 1973 vs. 67% in 1998).

Home values have far outpaced inflation. The average home was worth $76,156 in 1973 (inflation-adjusted); today, it's worth $198,612. But if you look at the tables, you can see the housing bubble in there. Look at the numbers for 2008!

Moving on to Tables 4 and 5 (Income, taxes, and spending), you can see that even when adjusting for inflation, household income doubled between 1941 and 1973. In the past 45 years, household income has only increased another 24%. It's fun to speculate about causal relationships for these numbers. I suspect that household income skyrocketed after World War II due to women entering the workforce. (But admit I could be wrong.)

As much as income has increased, spending has grown more quickly. In 1973, Americans spent 85.0% of their after-tax income. In 2018, they spent 91.1% of their after-tax income. (Admittedly, spending as a percentage of income seems to bounce around.)

To make it easier to visualize some of these changes, I created another table to calculate some important ratios and percentages.

Table 8: Derived numbers

In 1941, the average American family spent 31% of its budget on food. In 2018, the average family spent 12.9% of its budget on food. That's a huge decline! From 1973 to 2018, restaurant spending (food away from home) increased 48% while spending on food at home declined 36%. Overall, food spending declined 30% in in the past 45 years.

For me, it's more interesting to compare numbers today with numbers thirty years ago. (Thus the 30-year change column in the spreadsheet.)

I'm surprised that when you adjust for inflation, a lot of American spending has stayed relatively flat — or even dropped. We're spending about as much of our income on housing today as we did thirty years ago. There's a clear downward trend on our transportation expenses. Our food spending remains flat — even restaurant spending! We spend much less on clothing and (unfortunately) reading. (Although that reading number is probably down because we do most of our reading online.)

Meanwhile, health insurance costs are out of control. Between 1973 and 1988, the average American family decreased its spending on health insurance by 9.3%. But in the past thirty years, rates have shot up 245%. That is insane. No other spending category comes even remotely close. And it's why I make an exception to my no politics policy to advocate for scrapping our U.S. healthcare system. Any other option would be better and cheaper than what we have right now.

Looking at these tables, what numbers stand out to you? How does your spending compare to the average American family? What worries you about your spending — and the spending of the country as a whole? (And are there other similar surveys and reports I should take into account when writing about consumer spending?)

The post How Americans spend money: A look at the latest Consumer Expenditure Survey appeared first on Get Rich Slowly.

from Finance https://www.getrichslowly.org/how-americans-spend-money/ via http://www.rssmix.com/

[ecompaniesusa]

Six Steps To Get Your Startup Business Off The Ground

Want to validate your startup business idea? Here’s how you can go about implementing this, as well as crush the market with your idea, in six steps:

Step 1: Believe in your idea

If you don’t genuinely believe in what it is that you are doing, there is no way that your business idea can succeed. According to The Oxford Dictionary, the term belief is defined as “an acceptance that something exists or is true, especially one without proof.” The importance of having belief in your startup idea is that it will reinforce your confidence throughout the times when the market won’t accept your offer, which will then be a shield of defense towards your self-doubt. Belief in your startup idea will overthrow any form of external influenced self-doubt.

Self-doubt isn’t something that comes with the initial thinking of the idea phase, it’s something that comes later on, once the market starts to reject what it is that you offer. Understand that specific market segments will reject what you have to offer, but you need to persevere throughout the nonsense, and rely on your belief to then satisfy the market segment that needs your services, because they are out there.

Step 2: Find a solution to a current problem

When I started my sales training academy about two years ago, it was because I noticed one thing: there are so many startup companies out there who are struggling to sell their products, and the reason why is because they are not providing a solution to a current problem.

A lot of companies out there in this generation are struggling to generate new business, because their products are not being sold the way they should be. Throughout the corporate world, products are not being pitched properly, and psychology is not something that is being heavily focused on when it comes to training. Therefore, I created my sales training academy, which is an online sales course that trains individuals in any industry how to sell any product psychologically, whether it be a product or service priced at US$3, or a product or service at $1,000,000.

Whatever product or service it is that you’re looking at entering the current market place with, make sure that the output is a solution to a current market problem. Once you release a product or a startup idea, the markets response will be based on your output, and how effective your product/service can be.

Step 3: Gather perspectives from people who have done it before

With any idea that comes to your mind, allow it to process. Don’t immediately cancel it out, and think that it will not work. If it is a business idea in which you have not worked in, or a field that you do not have expertise in, keep an open mind, and do not be quick to judge. What you need to do is really simple: do not seek perspectives of people who have not done it before, seek the perspectives of individuals in that specific area, experts in that specific field/industry, or someone who has done it before.

What a lot of entrepreneurs do in the early stages is seek the wrong perspectives i.e. their friends, family, or other people that are not considered the correct credible and reliable to source information from. Nine out of 10 times, those individuals will give you the wrong advice, because they don’t know that industry accurately enough to give you the correct feedback. When you seek the perspectives of individuals who have done it before, they will show you the upsides and downsides, as well as explain the challenges you will face as they would have faced them in the past, which will then lead to them explaining how they overcame those specific challenges.

Step 4: Develop a plan

I want you to picture two boats in a large ocean. One boat, say Boat A, has a captain, a full boat crew, and a specific destination in place. The other boat, Boat B, is empty, and does not have anyone in the ship. What do you think is going to happen? Boat A is going to arrive at its destination, because it has a captain steering it in the right direction, whilst the water will take Boat B to wherever the direction of the current is flowing.

Don’t be Boat B- be Boat A. Have a direction, and develop a specific plan as to how you’re going to achieve whatever it is that you want to achieve. It needs to be a specific step-by-step plan that documents your what’s, why’s, and most importantly, your how’s. This will further reinforce your confidence in your idea, and this will always give you something to work on, on a daily basis, as you will be forced to work towards your specific goal, and your plan will dictate how you’re going to achieve reaching your goal.

Step 5: Stay committed

If you are not committed, you may as well throw in the towel now. Commitment is key in any business, and when it comes to you starting a business, you need to put your blood, sweat, and tears into it. At the end of every tunnel, there is a light, but most people back out of an early startup, because they are influenced by what they see in that tunnel, which is pure darkness. You need to keep working, with the belief that you are going to see the light, and that it is going to happen.

I remember when I first was recording all my videos, and went about launching my sales training academy, there were many times when I said to myself that this is not going to succeed. All of this self-doubt was hitting me, but I did not allow anything to come between me and my goal, because one, I had solid belief in my product, and two, I stayed committed. Now, I have startup businesses all around the world working alongside me, doing the sales training course and increasing sales revenue in their business, strictly because I did not listen to my self-doubt and I stayed committed. If you do the same, nothing can stop you.

Step 6: Think big

Always think big- never think small. Albert Einstein once said, “Logic can take you from A to B, but imagination will take you to places in which you have never been before.” In my book, Your Life Your Business, I wrote, “Don’t be influenced by your surroundings, but be influenced by your imagination.” Always remember that you are one human out of seven billion on this planet- just stop and think about that number. You may be one, but there are so many people out there that are busting for your services, so don’t think about servicing the people within your city or your province, but be willing to service people on the other side of the planet! The internet has made international business so easy to do now- you can generate a sale from your phone in your bed at 4am, if you so wished!

In 1937, Nikola Tesla said, “When wireless is perfectly applied, the whole earth will be converted into a huge brain, which in fact is, all things being particles of a real and rhythmic whole. We shall be able to communicate with one another instantly, irrespective of distance. Not only this, but through television and telephony, we shall see and hear one another as perfectly as though we were face to face, despite intervening distances of thousands of miles; and the instruments through which we shall be able to do this will be amazingly simple compared to our present telephone. A man will be able to carry one in his vest pocket.”

My fellow entrepreneurial friend, the day that Tesla predicted is here. Get up, change the world, and constantly aim high.

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To incorporate a new company in the USA., one or more persons(called “the incorporators”) may form a company by filing articles of incorporation, notice of address and notice of directors with the Corporations Division Office of the desired jurisdiction of registration.

Ecompanies USA offers fast & easy US online incorporation and business registration services to foreign companies interested in doing business in Canada. At Ecompanies Canada we help you step-by-step and take care of the entire business registration process from start to finish. Incorporating a business with us is fast, easy and takes just minutes.

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This Article first appeared in entrepreneur

The post Six Steps To Get Your Startup Business Off The Ground appeared first on Ecompanies USA.

from Ecompanies USA http://bit.ly/2Kxfr2w

[inb4vaughn]

The Father-Son Magic Of Pebble Beach

As the golf world settles in for what promises to be a momentous U.S. Open at what I believe is the event’s greatest venue — Pebble Beach Golf Links — on its 100th birthday, it’s the perfect time to revisit one of my favorite columns ever, which originally appeared in the December 2007 edition of Fairways + Greens magazine. As you’ll see, it’s also an apropos Father’s Day story. I hope all the dads and sons out there find it inspiring. The bottom line: In American golf, there’s no finer bucket list destination than Pebble Beach.

On the brink of perhaps America’s greatest 4-par stand a man and his son. The son is a man, too, has been for a while, but now it’s official. He’s turning 21 in a very different place, mentality and situation than his dad did 26 years before, and here, on the very edge of the West, it all becomes achingly clear that they’re moving through a sunlit moment that will never come their way again. Nor should it. Not like this.

The son swings first, 5-wood in hand, the green 205 yards away, downhill and across a churning ladle-ful of seawater scooped out by God Himself. Standing over his own ball 50 yards closer to the hole and shy of Pacific oblivion by maybe 10 paces, Dad watches his oldest of four kids — the man — as his ball soars over the near cliff, toward its target, with a seeing-eye fade. “Looking good, son!” he yells.

It ends up better than good, stopping about three steps onto the smallish green. “Oh yeah!” the son yelps with a leap, silhouetted against the ocean in a rush of unbelieving ecstasy only a golfer can understand. Dad jumps, too, and feels his hands head heavenward, then come together in a clap of pure pride. “Great shot!” he manages before turning away to let the tears come, if only for a split second.

Cliché or not, it truly doesn’t get any better than this. Not when it’s taken two decades to make this father-son trip happen, the first time they’ve been away from their hometown together, just the two of them, for more than a few hours. Not after divorce and remarriage, school and jobs, the aches and strains and setbacks and triumphs of life — accumulated memories that fleet breathlessly by, yet somehow form a continuum and keep the family intact. Not after all that has preceded this getaway on a day when Dad nears 50 and son rounds the bend toward his senior collegiate circuit.

Not when it all comes together on No. 8 at Pebble Beach, with the clock sliding past 5 o’clock and the marine layer slipping its fingers into the nooks and crannies of Carmel Bay. So the tears come, salty as the sea below. Tears of love for the game, for this fabled place where the game has been played for nearly 90 years … and, above all, for the son, Alex.

Dad looks up, as guys often do to stanch the tears, takes a couple of steps toward his beaming boy and says, “You know, we’ll remember this moment the rest of our lives.”

Alex smiles. “This is awesome.”

It was also a longshot. Pebble gets more than its share of ink, and rightly so. I doubt there’s one avid golfer in America who doesn’t know its layout by heart whether they’ve set foot on its storied flanks or not. So I shined on the standard-issue travel piece angle and appealed to something more visceral, with more soul. I went in knowing full well that the Pebble Beach power brokers had a soft spot for the whole father-son ethos — in fact, they’d put it at the center of a longstanding print and TV ad campaign. It took them a few weeks, but finally they bit on my idea of bringing Alex to the Peninsula for his 21st birthday, and giving the experience the good ol’ editorial blow-by-blow.

So here we were on a gorgeous afternoon in early August, walking in Jack and Tom and Tiger’s footsteps and retracing the path made by countless fathers and sons before us. And it all reached its apogee on No. 8 in a flurry of whoops and laughs and tears. Alex’s epic 5-wood must have inspired me; fighting the raw emotion of watching that shot and his priceless reaction, I stepped up to my own ball, took dead aim with a 7-iron and followed its left-to-right flight directly at the stick stuck at the rear of the “Figure 8” green. This could be pretty decent, I thought. The ball landed just to the left of the pin, took two hops into the rough behind the green and settled in for a certain trip to bogeyland.

Alex and I jumped into our cart sporting dizzy smiles. That feeling of warm disbelief affecting most Pebble pilgrims was settling in for the duration. We rounded No. 8’s lagoon and, taking one look at the abyss he’d just cleared, got all worked up again. “Oh, man! That might be the best shot I’ve ever hit!” he said, or something like it. It’s certainly the best shot I’ve ever seen him hit, and we’ve played our share of rounds together since he was around 11 — not even close to the number I wish we’d played over the years, if not for the general busyness of life and my own regrettable recalcitrance to reach out to those most close to me.

“Yeah, the last time I played here, I tripled this hole,” I said. “But not this time. We’re both in great shape.”

Still, par was a 50-50 proposition. After all, this is a hole where I sat during the breezy third round of the 2000 U.S. Open, watching plenty of guys go down to the pressure and elements. Monty took 7 out of the back bunker. Sergio went wide-right into the sea. Only Fred Couples managed a bird, draining a 15-footer from below the hole. So I was in solid company. I snapped a photo of Alex giving a thumbs-up over his ball, then went to mine and sized it up. The lie wasn’t good; the shot was downhill to a tight pin. But as I stood over the delicate wedge shot, I felt a cool calmness wash over me and pictured it as clearly as I could hear the surf 30 feet below. Alex’s putt had come up short, and I was away. Back went the wedge, through the deep stuff, into the ball … which fluttered out, grabbed the green and took a three-foot left turn into the cup. Birdie.

For the second time in one hole, I raised my arms and let out a whoop. This time, Alex cheered for me, as did Dave and Kyle, the two Canadian guys playing with us, and their laugh-a-minute caddie, Terry. The group on No. 9 tee right behind us — a family of grandpa, son, daughter-in-law and grandkids — must have thought we’d all gone nuts. Perhaps we had.

That’s cool. Playing Pebble can do that to a guy. I coulda cried again right there. This was getting good.

Alex ended up three-putting for a 5, but no matter. We’d just played one of the world’s most famous golf holes in even par, hit as fine a shots as we could manage under the circumstances, cleared that Pacific chasm as if it wasn’t there. And I stood at 1-over par for the front nine going into the brutal ninth. “A double or better and a I break 40,” I said to Alex. “Cool,” he replied.

Big mistake. The golf gods don’t take kindly to such “all I need to do” folly. I took triple, then a double on 10. Alex went 5-5, so overall he beat me by a pop on that storied trio of two-shotters. I was proud of him; it would amount to his best golf of the round. But then again, back on No. 1, as Alex verged on displaying the temper that mirrors my own, I proclaimed that we were there to have fun. “Forget about the score,” I said. “This is all about just being together and enjoying it.”

Yeah, we tallied the damage anyway, but no blowup could match our cigar-smoking, beer-sipping, joke-telling, fresh-air-gulping glee. Even when we both tripled No. 14, which was playing about 600 yards from the middle tees thanks to a stout north breeze, we laughed it off. Determined to finish before dark, we had our giddy good fortune to propel us. Alex hit another fantastic 5-wood at 15, this time converting for par. I made par at 16 and 17, the latter after rattling the stick out of the sand, Nicklaus-style. Then we all assembled on the final tee and stood there transfixed and humbled and silent, as if at an altar — which it most certainly is. Terry snapped our photo, arm in arm in the gloaming, the camera’s flash betraying our broad smiles of pride and undeniable, don’t-let-it-end sadness, while behind us the grand dame of American 5-pars swerved off to the left, toward the lights of the Lodge. That shot is now my laptop’s screensaver, and probably will be for life.

“You know,” Alex said at some point during our round, “A lot of guys I know celebrate their 21st out drinking, getting hammered.” I nodded, having been one of those very guys myself, in 1981, pub crawling through the well-documented party mecca of Chico, Calif., until I finished the festivities getting sewn up in the ER with a split lip and busted schnozz. “How many guys did you take on?” I remember the doctor asking me as I woke up from my self-induced fog. “Nobody,” I slurred. “Just a flight of stairs.”

That, and my own demons.

But Alex had no demons to wrestle on this day, except the occasional slice or cold-top, the normal golf devilry that afflicts us all.  “My buddies wouldn’t believe what I’m doing for my birthday,” he continued. “Not one of them will ever beat this.”

I must say, it was music to my ears, and the song just got sweeter as the day wore on. By nature I’m guardedly optimistic, but everything about this trip was surpassing expectations. Blowing them away, really. And we’d had four months to build them up into a thunderhead of anticipation.

When I sprung the idea on Alex — not just to celebrate his 21st, but to acknowledge his work ethic and high performance in college so far, with degrees in political science and perhaps economics or business in the offing — I gave him his choice: Pebble or Bandon. “Gotta be Pebble,” he said, so I made it happen. And though I’d originally planned a several-day jaunt to include perhaps Spyglass or Spanish Bay or both, we only had a scant 36 hours to live the dream. Alex had to be back to work. So we made the best of it. We did a killer warm-up round at Bayonet — the new nine is spectacular — then made for 17-Mile Drive the next morning. We stopped at Spanish Bay and the Lone Cypress, checked in at the Lodge, enjoyed a leisurely couple hours on the range, lunched at the Gallery Restaurant overlooking Pebble’s first tee, loitered around the shops, knocked around some putts on the practice green … and then it was finally, blessedly Our Turn.

Seventeen holes and five hours later, we forged our way up No. 18 as darkness bore down on us by the second. Alex’s tee shot found its way into Stillwater Cove; I followed him on my second shot, a wicked duck-hook 3-wood around the two trees that split the fairway. Alex knocked his third up the middle, took two more to reach the green and made 7. So did I, out of the deep bunker fronting the green’s left side. We holed out quickly and without fanfare, knowing several groups behind us wanted to finish, too. So we saved the handshaking and hugs for later, though, in a perfect world, I’d have held my son right there where, seven years earlier, I’d watched Jack Nicklaus tearfully hole his final U.S. Open putt. And we’d have stayed there in an unabashed, grateful embrace until they had to drag us off.

Then again, the night was young. Forty minutes removed from our 9 o’clock Tap Room reservation, we loaded our sticks in the car, grabbed our keys from the front desk and checked out our Lodge room just off the first tee and above the putting green — a mini-suite with two indescribably comfortable beds, a fireplace, flat-screen TV, balcony and palatial bathroom. My mind reeled at the possibilities: Maybe Jack stayed here. Arnie. Phil. Who knows?

Aw, hell no. Tonight, the Williams boys ruled, and we made the most of what Pebble Beach Resort had to offer on that cool, glorious Wednesday night. The Tap Room is everything a guys’ post-round hangout should be, and we worked it to the hilt. After regaling a couple of fellow golfers with the sketchy details of our round over drinks at the always three-deep bar, we dug into our meal in noisy splendor.

First came an appetizer of bacon-laden “haystack” potato skins, then steaks as big as my head (an unforgettable Delmonico for me and Filet Mignon for Alex), mashed potatoes, creamed spinach and mac and cheese, all presented with that cut-above Pebble touch that all too often gets overlooked in the presence of that little ol’ golf course just outside the door.

Alex and I shared wine duties, though in a clutch I’ll forever defer to his depth of knowledge and passion for the fruit; after working in a Reno restaurant for the past six years, at 21 he knows more about vintages than I ever will — in fact, I know he could ace the sommelier test tomorrow.

“We’ve gotta try the ’04 Joseph Phelps cab,” he said, so we did a glass each, toasting our good fortune, our shared love for golf and chow and drink and all the unspoken stuff, too. I couldn’t resist ordering a bottle of ’04 Chateauneuf du Pape, Vieux Telegraphe vintage — one that Alex had never tried (after all, this was only his 21st birthday, right?). He approved, then just as quickly upped the ante for our digestif, staying in the same year for a Fonseca tawny port. Capped with fresh coffee and a bit of dark chocolate cake, this wasn’t just a meal. It was the crescendo of an emotional, once-in-a-lifetime father-son symphony, arranged and performed on the best stage in the business.

The coda? Cigars and wine on the putting green, of course. We ran up to our room, grabbed our putters (we’d planned ahead) and lugged our stuffed and happy selves down the stairs and onto the surface where so many immortals have grooved their strokes. We mere mortals puffed and sipped and laughed from hole to hole, knocking our pills around in the dim light of the Pebble midnight. Then to bed, and the rest of our lives.

Looking back on that day and night, I know I’ve set the bar pretty high for Alex’s three younger sisters. I’ve gotta come up with 21st birthdays they’ll never forget, too. I’m game. But this one will always carry a glow of its own, bathing a man and his son in light and joy out there on No. 8, carrying them out of the rough, over the sea and across generations.

The post The Father-Son Magic Of Pebble Beach appeared first on Golf Tips Magazine.

from Golf Tips Magazine http://bit.ly/2I9EeHf

[coin-river-blog]

The political tension in Venezuela has affected local cryptocurrency adoption. While there are roadblocks, many crypto-advocating projects continue to thrive in the country. News.Bitcoin.com takes a deep look at the current situation in Venezuela, crypto adoption efforts and how the recent political crisis affects them.

Also read: Indian Supreme Court Postpones Crypto Case at Government’s Request

Political Turmoil and Economy in Freefall

Cryptocurrency adoption in Venezuela has been affected by the recent political unrest following mass protests organized by Juan Guaido, president of the opposition-run National Assembly, calling for the military to help him end Nicolas Maduro’s reign. With the support of more than 50 countries including the U.S., Guaido declared himself acting president of Venezuela while Maduro insists he has been re-elected to a second six-year term. The incumbent still has the support of a number of countries including Russia and China.

During the years-long freefall of their country’s economy, many Venezuelans have turned to cryptocurrencies. Venezuela’s annual inflation rate reached 1,300,000% in the 12 months to November last year, according to the opposition-controlled National Assembly.

Venezuela’s two presidents: Nicolas Maduro (left) and Juan Guaido (right).

Widespread food and medical supply shortages are now the norm, with most Venezuelans struggling to afford basic items including food and toiletries. Although Venezuela is prime for crypto adoption, there are still many challenges in the way.

Crypto Adoption Remains Strong

Seemingly a natural fit for such a failing economy, cryptocurrency adoption is progressing in Venezuela despite some roadblocks. Matt Aaron, leader of Bitcoin.com’s efforts in the country, explained how the recent political situation and ongoing power outages have affected local merchant crypto adoption.

Citing the political unrest, the frequent and lengthy blackouts, and the skyrocketing prices of goods and services due to shortages of basic necessities, Aaron admitted that “It’s really affected the crypto adoption.” However, he emphasized:

I think it’s still strong, it’s just that in the short term, they’re in survival mode in certain parts. But the willingness to learn about crypto has not gone down.

A woman cooking during a power outage in Venezuela.

Despite political unrest, Venezuelans continue to trade cryptocurrencies. On over-the-counter marketplace Localbitcoins, 1,137 BTC were traded in the week ending May 4, only slightly less than the 1,228 BTC traded in the prior week. Bitcoin cash data is not provided by this platform but Bitcoin.com will soon launch Local Bitcoin Cash for anyone to directly exchange BCH.

Localbitcoins’ BTC volume for Venezuela.

How Cryptocurrencies Help Venezuelans

Many people in Venezuela have found refuge in cryptocurrency. Carlos Hernández, a Venezuelan living in Ciudad Guayana, has shared how cryptocurrencies saved his family. Citing hyperinflation, he divulged:

I don’t own bolívars, Venezuela’s official currency. I keep all of my money in bitcoin. Keeping it in bolívars would be financial suicide.

Ricardo Carasso is a Venezuelan who earns cryptocurrencies from freelance work online. He recently left his country because the constant blackouts made it impossible for him to work from Venezuela. He told news.Bitcoin.com Wednesday that, in the city of Merida where he lived, the power went out five consecutive days in March after it went out for two days the prior week.

“For a number of years now the Venezuelan government has been upholding a currency exchange control that does not let us freely access the international market,” Carasso described. In addition, the U.S. has employed sanctions as a policy tool in response to activities of the Venezuelan government and individuals for more than a decade. “Now that the Trump administration has blocked our financial access to the world even further,” Carasso opined: “Cryptocurrencies are super valuable because they allow us to bypass that … it’s also an asset that can gain in value and … if your minimum wage is less than $10 a month, you can see the potential for growth if you have crypto.”

Maduro Also Seeks Solution in Crypto

In an attempt to solve his country’s devastating economic problems, Maduro launched a new currency called the petro in February last year which he initially claimed to be a cryptocurrency backed by oil. However, he later declared that the petro was no longer fully backed by oil but was also partially backed by gold, iron, and diamond. Skeptics are calling his scheme a scam, pointing to several pieces of evidence such as the lack of wallet to hold the petro and the nonexistent block explorer.

Nonetheless, the National Superintendency of Cryptoassets and Related Activities (Sunacrip), the Maduro government-appointed regulator of crypto assets, has been selling the petro at its headquarters and issuing savings certificates to buyers. Recently, a crypto exchange authorized by Sunacrip, Amberes Coin, claims that the petro has been trading on its platform as well as over-the-counter on social media despite having no wallet or block explorer.

Petro savings certificates issued by Sunacrip in April.

In January, the Maduro government established the Integral System of Cryptoassets, as published in Official Gazette number 41.575. It empowers Sunacrip “as the top regulatory entity in this matter, reinforcing, in addition, the entire initial ecosystem that since 2018 has been formed to give solidity and confidence to the petro, the sovereign Venezuelan cryptoasset,” Sunacrip wrote on its website. The regulator immediately proceeded to start controlling crypto activities in the country and offering its own crypto remittance service. Scam or not, the petro represents the first time any government has run its own cryptocurrency and related services, thereby creating awareness of cryptocurrencies and legitimizing them to the public.

Two other crypto-related regulations were published by the Maduro government — one on Feb. 4 in Official Gazette number 41.578 and the other in Official Gazette number 41.581 on Feb. 7.

Airdropvenezuela

A number of nonprofit organizations such as Airdropvenezuela are using cryptocurrency to help people in need. The nonprofit’s website states that “Due to artificially-rigged government exchange rates, the banks in Venezuela are not used for remittance, payments, or donations,” asserting:

Venezuela needs better money. Venezuela needs cryptocurrency. Ten dollars can help a family purchase food, medicine, and scarce imported goods.

“Access to digital money can help introduce Venezuelans to cryptocurrencies, online freelancer platforms, ecommerce, investments, donations and other income generating web-based opportunities,” Airdropvenezuela believes.

The project aims to send $1,000,000 in digital money to 100,000 ID-authenticated Venezuelan Airtm users who log into their accounts between Nov. 27 last year and July 31. “The first 100k Airtm Venezuelan users to be verified and have logged into their account during the campaign period will be a recipient of $10 once we achieve our $1,000,000 USD equivalent goal,” the nonprofit announced.

In addition to U.S. dollars, donations can be made in a number of cryptocurrencies including BCH and BTC. They are sent directly to Airtm wallets which connect buyers and sellers to over 200 banking networks and e-money systems globally, including Venezuela’s.

As of this writing, $273,668 have been raised and 62,541 users have been verified, the project’s website reveals.

Airdropvenezuela’s funds and verified recipients.

Cryptocurrency totals less than $10,000 will be converted into U.S. dollars upon distribution, Airdropvenezuela clarifies. At the time of this writing, the nonprofit has raised the most in BCH, followed by U.S. dollars and BTC. Donations in bitcoin cash make up more than half of all donations received.

BCH donations got a kick start when Bitcoin.com CEO Roger Ver matched them for 24 hours on Dec. 10 last year. “Total funds raised have more than doubled since @Rogerkver announced yesterday that he would match BCH contributions. Congrats BCH community for jumping to #1 place in less than 24 hrs,” Airtm tweeted. “The bigger the network effect a currency has, the more useful that currency becomes. This is a great way to grow the network for Bitcoin Cash and help people in need at the same time,” Ver remarked.

150 Merchants Onboarded so Far

A growing number of merchants in Venezuela are now accepting bitcoin cash thanks to an initiative by Bitcoin.com to make the process easy for them. At the North American Bitcoin Conference in February, COO Mate Tokay unveiled the company’s ambitious goal to onboard 500 merchants per month to accept bitcoin cash.

Aaron confirmed that, while there are other projects Bitcoin.com is indirectly affiliated with, his primary focus is getting merchants to accept BCH, elaborating:

We’re focused in Caracas, have around 150 merchants so far … we’re teaching them how to use bitcoin cash, how to convert to dollars and bolivares, and to show them the advantages.

He proceeded to outline the benefits of accepting the cryptocurrency for merchants such as instant transactions, being able to accept payments without a payment processor, and avoiding high credit card processing fees of about 6%. In comparison, paying with BCH only incurs a network fee that is usually below one cent.

Store owners in Caracas accepting bitcoin cash.

“We have a support network on Whatsapp and Telegram” so “store owners can come to us with their questions,” Aaron continued, noting that shop owners have many questions about accepting bitcoin cash. He believes that this support structure sets his efforts apart from other similar initiatives, emphasizing that the first step is getting merchants to accept BCH before convincing more people to use it and considering other projects such as remittance payments. “So many things to do, we’re just in the very beginning,” he concluded.

To start accepting bitcoin cash, store owners simply download the Bitcoin.com Wallet which has now been downloaded over 4 million times. Merchants accepting BCH can be found on the Marco Coino map.

Feeding Venezuelans With Crypto

Another organization that relies on cryptocurrency to help Venezuelans is Eatbch. The nonprofit takes bitcoin cash donations and coordinates the purchases of ingredients to serve meals to people in six Venezuelan states. Eatbch celebrated its first year anniversary on Feb. 11. The organization also has a similar initiative in South Sudan.

Children in Venezuela fed by Eatbch.

During blackouts in Venezuela, Eatbch directs donors to visit Venezuela.Bitcoin.com to make donations. Funds sent to Eatbch can be easily tracked using the Badger wallet. BCH enthusiasts can also donate to the merchant adoption campaign in Venezuela. 100% of the donated funds will be used to help increase bitcoin cash adoption in the country through activities such as signing up merchants and educating them how to use the decentralized currency for commerce and remittance payments.

Victories in the war for cryptocurrency adoption in Venezuela may best be described as hard-fought, but lessons being learned by the local crypto community are plentiful. Regardless of how the political turmoil plays out, most every Venezuelan has learned the value of their money and now knows about cryptocurrencies, largely due to the Maduro government’s efforts to push the petro. Many of their lives have been touched personally by the efforts and projects like the ones listed above. It seems to be only a matter of time until crypto’s broad acceptance in the country finally arrives.

When do you think cryptocurrencies will finally be used by the mainstream in Venezuela? Let us know in the comments section below.

Images courtesy of Shutterstock, the BBC, ABC News, Coin.dance, Sunacrip, Airdropvenezuela, Airtm, Bitcoin.com, and Eatbch.

Do you want to start accepting BCH? Download the Bitcoin.com Wallet and start accepting bitcoin cash today!

Tags in this story

accept bch, BCH, Bitcoin, BTC, Crisis, crypto, Cryptocurrencies, Cryptocurrency, Digital Currency, Juan Guaidó, LocalBitcoins, matt aaron, Merchant Adoption, Nicolas Maduro, Petro, Political, Venezuela, Virtual Currency

Kevin Helms

A student of Austrian Economics, Kevin found Bitcoin in 2011 and has been an evangelist ever since. His interests lie in Bitcoin security, open-source systems, network effects and the intersection between economics and cryptography.

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[shamelessmilkshakepanda-blog]

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Adding someone to your car insurance policy?

I'm a new teen driver and as you may all know insurance rates are sky high. I was wondering if a family member, who doesn't live with me, can add me to their insurance policy? If yes, does the car have to be in their name? Or do I have to have the same address in order for them to add me?""

Auto insurance low monthly payments?

I am having a very difficult time getting auto insurance i can afford . am on disability, and cannot afford the outlandish prices these days. Does anyone know where i can buy cheaper auto insurance? where can i find it? the lowest i could find was $143,53 down and and $140.09 a month. Does anyone have websites i can surf? Is there any with no money down and only monthly payments? is there anyone who has had the same problem as I? can anyone help me please?""

""If the mandate to buy health insurance wont stand the supreme court review, why am I forced to buy...?

car insurance in the state of California?

Is the issue access to good health insurance or is it access to good healthcare?

Ok first order of business I know how the whole health care issue is being made into this big complicated monstrosity. I would llike to get people's input on this and maybe some insight into better understanding a way ahead. First let me say that my question is not based on politics I'm not representing democrats or republicans as a matter of fact politics and money is what is frustrating me with this entire health care issue. I hear about all of this debating and I want to ask what is the real issue that everyone cares about correct me if I am wrong but I think it is access to dependable and reputable healthcare. The next issue I have, Is it wise to put health care interests in the hands of for profit enterprise. Now this is not an attack on health insurance companies but it is a question to the average person. I have read countless stories of people who thought they had good insurance for years all of the sudden they get sick the insurance pays the lowest possible cost and then cancels their coverage. Or here is another example, former health insurance employees tell of how draconian the companies are that they have worked for when it comes paying for coverage they would rather cancel people's policy. I am forced to wonder how long will it be before doctor's and nurses will be required to have an M.B.A. as a prerequisite for practicing medicine. I am all for free enterprise but something just does not sound right when you have an entire industry based on the soaring cost of healthcare and people's inability to pay for it. Seems that you are at the mercy of your insurance company at the time that you need them most. It seems that access to healthcare has been debated and put on the back burner for over 50 years combined with the fact that the people making the decisions regarding healthcare access rarely have to concern themselves with access to healthcare for themselves or their families, I'm just wondering how much longer is this cycle going to continue before something tangible gets done. I'm not saying healthcare should be totally free. I'm not saying that healthcare costs should destroy the middle class either. I definitely think that a for profit company priorities are to make a profit and answer to stockholders where does the patient come in on this equation. Does anybody out there have any viable solution or are we doomed to keep repeating the same mistake over and over again where the bottomline seems to be when all is said and done when it comes to healthcare access you have to fend for yourself.""

Cant find insurance for a 17 year old?

my son is 17 and we just got him a peugeot 106 1.1 2000 and we have searched near enough every insurance company and we cannot find a quote under 2000 pound i know this is good compared to some quotes but does anybody know where i can go to get it cheaper Thanks

Land O Lakes Florida Cheap car insurance quotes zip 34638

Land O Lakes Florida Cheap car insurance quotes zip 34638

Do you need car insurance for this?

I want to get my car the 2014 sticker but I currently don't have insurance because I've been jobless & I just started working. I payed for the license plates on June . & I just wanted to know if not having insurance was gonna be an issue

Got in accident. not my fault. will my insurance rates go up?

this is in reference to my other question but basically i got in a minor accident and it was the other drivers fault. i just called my insurance and reported but i have to wait until tuesday to talk to an agent. just to alleviate my nerves i need to know now, is it likely my rates will go up? it's not my fault. also all the damage costs will be taken care of by my insurance company right? or the other drivers..?? thank you.""

Whole life insurance policies?

I need financial opinions on whole life insurance policies and am afraid to ask an advisor for fear that he/she would try to sell me something. We purchased three whole life policies in 1991. I know now that most experts advise against them now because of the high premiums, and advise buying term and investing extra money elsewhere......but we have accumulated a lot of dividends over the years but we're at the point now that we are tired of paying the premiums and thinking about having the dividends pay for the policies until the dividends run out....and then of course we would start paying for the polciies again. Is this a mistake or should we continue to pay the premiums and keep thinking of it as an investment or more money if one of us dies prematurely? Another thought.....we will be having future college bills whereas we can try to get a student loan or borrow against these policies with an option to payback with interest or not pay back at all thus taking away from death benefit. What's your opinion on this?""

Looking for health insurance?

I am looking for a health insurance. Which way you found yours? Are there special topics to look about? Would be happy about your advice :-)

Hey how much will car insurance be when i start driving at 16?

ok heres the thing,ill be 16 years old when i get my dl,our insurance is mercury,and i am gonna drive a 1991 civic hatchback,or a 1992 integra any clues o how much per month""

Where can I buy the most affordable business liability insurance?

Hi there, I have a very small start up business and I am in need of liability insurance for a business. Does anyone know a good cheap company to use?""

Pregnancy and health insurance questions:?

I found out that I am 6 weeks pregnant, and have my own health insurance. What I would like to know is if I want to get on my husbands insurance for the new year will I be able to? Or will I not be able to get on his insurance because they will consider it pre-existing condition? His insurance is better than mine. My baby is due the end of April.""

Will an Illinois speeding ticket put points on my Michigan license and raise my insurance?

I am from Michigan and got a speeding ticket in Chicago IL. Will this put points on my Michigan license? Will this cause my Allstate insurance rate to go up? Thanks for the help!

""Someone totaled my car, they don't have insurance...what's going to happen?""

I was driving straight down a one way with three friends in my car when a truck full out ran a stop sign and crashed into the front driver's side (i was driving) of my car. I'm pretty sure my car is totaled now. Anyways, a few hours after the accident I started getting neck pains. They got worse over the next two days, and I ended up going to the doctor who sent me to the ER for a CT scan and I have slipped vertebrae in my neck. Now yesterday we found out that the guy's whose car it was (a friend of his was driving, he wasn't in the car) doesn't have insurance on it. So what does this mean for my medical bills? Will this make the amount I get for my car lower? Will my insurance company raise my rates if they pay? (I have full coverage on a '98 VW Jetta)""

How much will an Acura integra GSR 2 door insurance cost?

How much will an Acura integra GSR 2 door insurance cost?

Government Insurance or Private?

Private insurance is monitored by the government, but if we get government insurance, nobody will monitor the government. I would take my chances with Private Insurance anyday compared to a government insurance thats is filled with lazy bureacrats""

Insurance quotes for subaru wrx or acura rsx?

i am 18 and have my license for 1 year , no tickets no anything good grades . Wich would cost more the rsx or the wrx , whats the price range for each a month .thanks""

Car insurance on a first car.?

I'll be buying my first car on Friday. I went to the garage today and was told I should come down on Friday when it will be ready to pick it up. My question is should I be getting my insurance sorted before Friday? I haven't put any money down on it as they said I wouldn't need a deposit on the car. Is it just the licesne plate number I need?

Will my insurance go up for a out of state speeding ticket? I have usaa insurance?

I was an hour away from my house in nebraska and my parents will kill me if they found out. I got a speeding ticket for going 73 in a 55 zone in iowa. I have USAA insurance. Will the rates go up? Will my parents find out?

Life insurance for police officers?

Can police officers get extended life insurance to cover death on the job? If so, how much - 5 million?""

How do I cancel my life insurance policy?

I just turned 19, my life insurance policy just started and I don't want it. I know that you can cancel it by stop paying for it, but what if it's connected to my bank account?""

Being kicked off my parents health insurance plan at age 19? I don't know how I can afford insurance?

MY parents have been getting notices from their insurance company telling them that when I turn 19, I'll be off the insurance plan. It's because my dad has young ...show more""

Insurance and juniors lisence?

My son just got his Jr's license will my insurance go up? Or does he need a Senior license for that

How to find cheapest car insurance for young drivers?

How to find cheapest car insurance for young drivers?

What auto insurance does aarp offer?

the name of the insurance (auto) offered to aarp subscribers

Does AARP offer affordable health insurance?

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

How much do you think my car insurance will be ?

im 17 and not sure what car just a small little one about 1 ltr ? and im male how much routly do u think it will cost ?

Classic car insurance for non-garaged car?

Anyone know of a company that will cover my cars if they are in a carport instead of a garage? Hagerty says no, anyone have any suggestions? I live in So. Cal so it would cost me half a million dollars to get a home with garage.""

If i were to drop my car insurance for a few months can i get it back when i want?

basically my car sucks in the winter (i.e. the snow lol) so i havent been driving it for like 3 months now, and it will prolly be another 2 months till i begin driving it again, and im paying my car insurance on it but really im not using it lol, and moneys a little tight, so i was wondering if i were to drop it for a few months, can i jus call back up or w/e and get my insurance back on it with no problems, or fees or anything, or should i jus continue paying the remaining months, im 19 so my rates arent cheap lol (even tho ive had no accidents)""

Question about car insurance and theft.?

lets say somebody that has an auto loan gets their vehicle stolen, the insurance will cover the rest of the loan but what happens to the funds the bank has already received for the vehicle?""

Land O Lakes Florida Cheap car insurance quotes zip 34638

Land O Lakes Florida Cheap car insurance quotes zip 34638

Pregnant: no insurance?

i just found out that i'm pregnant. it was a surprise. i don't have insurance. what can i do? i am over qualified for medicaid, barely. my husband is a police officer. to give birth at the hospital it will cost $7180. i called maternity card but they are very expensive and my doctor already said he doesn't deal with them. does anyone have any solutions? i really need an answer. thanks! Additional Details just because my baby is a surprise doesn't mean it's not wanted. an abortion is never an option. it's too late to get insurance because pregnancy is a pre existing condition. i'll try medicaid again. i know i'm not an illegal alien but surely being an american citizen i should be entitled to something.""

Car Insurance help No claims bonus?

Ok so i passed my test last month and have been driving about 3 weeks. i got an insurance quote with Aviva for 1800 per year (roughly) and im an 18 year old male, however because i had a provisional license for a year my dad thought i had 1 year NCB so told aviva this. They now want proof of my NCB (which i obviously don't have) so i will have to tell them. But my quotes are about 4500 without any no claims bonus !!!! and i drive a Y reg 1.2 fiesta ghia! is there anyway i can get this premium down? please help! i'd be really grateful!""

Who pays for the home insurance when you let your house?

I ask this question on behalf of my friend, who lives in Malaysia. He wants to know what the law in England will be in this case. My friend is gonna let his house to another, so that he can have some income. A question arises: They need to buy a home insurance in case there is an accident like fire. Apparently in Malaysia, a homeowner doesn't have to buy insurance for his house. So in this case, who should pay for the home insurance, the homeowner or the tenant? I mean, the rental period is 2 years, and the insurance, if paid, will cover for 2 years only.""

How much should i settle with insurance company?

My friend was involved in a car accident sometime in June 2010. The other vehicles driver didn't notice her red light, ran it and hit my frieds car. His vehicle was in the shop for 2 wks and during this time he had to get rides from others. His total med expenses (ambulance, er, scans, dr visits) adds up to about 9000, car damages 3000. The other insurance company is trying to settle for 11500 BUT they are saying that 8000 of that is to repay HIS insurance company. So he is left with 3500.Is this correct or should he ask for more? Please no rude responses.. thanks :D""

Getting car insurance - online quote?

hello, why shopping for some online car insurance quotes, i came across the below questions. what do they mean..i live in florida. Does the driver require an SR-22 or Financial Responsibility Statement? (If unsure, select No) Yes No Does the driver require an FR-44 or Financial Responsibility Statement? (If unsure, select No) Yes No""

Whats the best practical car or van insurance wise for a banned driver?

I was banned from driving due to a dr10 conviction and rest assured i have heartedly learned my lesson from this experience. My question is im looking to get my life back on track and so was wondering if anyone would know whats the cheapest practical car or van insurance wise for say if i wanted to start a buisness or just best overall. When i say practical i mean at least something that could pull a trailer as i e been told a 1400cc would be inadequet. Im 22 with no no claims bonus so i know its gonna be hard but any info appreiciated. Please no lectures i know what i did was a stupid incident but i truly have learned from it.

Where can I find low cost insurance plans?

I am 19 years old and I want to sign up for health, dental, and vision insurance. What are some insurance plans that I can look into, that are low cost?""

How much will my car insurance go up?

I accidently hit a parked car. No damage to my car. Damages to the other car add up to about $900. I have liability insurance with USAA and wont be paying a deductible. My driving record has been clean for 12 years. Should I just pay out of pocket or file the claim with insurance?? The person who owned the damaged car is a neighbor and said they won't file a claim if I pay them directly. I'm concerned.... if my insurance premiums go up 40% over 5 years then I'd just pay myself. I don't know.. I really can't decide.

""When buying a used car, what is the process of getting insurance for it?""

I live in Indiana, but am about to buy a used car that is in New York. I am going out there to pick it up and drive it back to Indiana. How do I go about insuring and licensing the car? This is my first experience with this. Do I need car insurance before I leave New York, or do I get that once I get it back to my home state and get it licensed and tagged? How long do I have before it needs to be insured? How long do I have before I need to get plates and everything for it? Where can I search on the internet to find more information about this, also? Thank you.""

Was done for drink driving what car shall i buy when i get my liciece back for cheap insurance?

Was done for drink driving what car shall i buy when i get my liciece back for cheap insurance?

Cheap car insurance in CA?

I'm 19 and am looking to buy a 06/07 Cobalt SS coupe (non-supercharged) and am wondering what the cheapest insurance would be? Personal experience?

Best Health Insurance Quote for uk?

Can you Suggest me Good Place where I can get Quote to Life Insurance?

Is there a insurance company in Minnesota that covers infertility?

??

Car Insurance and clueless teenagers?

Considering the kind of questions we are getting by 16 year olds regarding car insurance we could safely assume that they aren't ready to drive at all! Maybe raise the minimum age to 18? Might even save a few lives!

Insurance on a streetbike?

so i live in southern california 19 years old 3 years car driving experience 0 licensed with a motorcycle valid motorcycle permit 3 accidents on my record 2 including totaling cars... i was wondering if any1 happens ot have close oto the same things and know what i should expect iwth MINIMUM insurance no comp or collision or anything just basic liability.. but i do want max medical payments

What is an insurance recovery vehicle?

I am looking at buying a car and one dealership offers insurance recovery vehicles for pretty cheap. I think that they they have been recovered after theft but I'm not really sure. Are they like salvaged vehicles and what problems could be found with buying an insurace recovery car? Have you had any experience with buying one? any knowledge would be appreciated.

""Florida Auto Insurance Quotes Online, are they really safe?

Florida residents do you really think entering all your valuable personal information online for an auto insurance quote is really the safe way to obtain auto insurance? A local personalized auto insurance agent who you can pick up the phone and call or stop by their office sounds so much safer and personal.

Car Insurance approximation...?

I would like to know approximately how much it would cost to insure a 2009 Nissan Altima Hybrid, 4 doors, 2.5, 15,000km, I am 59 years of age, live in the Quebec Penninsula Area. One driver only, for leisure purposes""

""Non owner SR22 insurance, a cheap website?""

Non owner SR22 insurance, a cheap website?""

What is the best affordable health insurance plans?

I am 20 years old and do not have health insurance and I need to get my wisdom teeth pulled! So i'm looking for an affordable health insurance.I've already applied for Medicaid and was denied.I need help please!

Being kicked off my parents health insurance plan at age 19? I don't know how I can afford insurance?

MY parents have been getting notices from their insurance company telling them that when I turn 19, I'll be off the insurance plan. It's because my dad has young ...show more""

A 125cc Scooter in California?

I want to get a 125cc scooter just because it does use a lot of gas. In California, does a 125cc scooter need a license plate? Do I need to buy an insurance? Do I need a driver license? Do I have to ride on the bike lane? or I can ride as a car? How do I make a left turn? How do I park my scooter? park it as a car (occupy a car parking spot)? It's in California. Thank you very much""

Question on best company for classic/historic car insurance?

Our family has had State Farm for 70 years now, several generations, and in the last 10 years or so we have been progressively more & more disappointed in their caring and customer service. Maybe its just the 'assistants' that my local SF agent (who never talks to his clients any more) use, they both seem to have just horrible attitutudes, sarcastic, and act like you are a complete PITA every time you call. I even have an email from his main assistant that I asked her to forward to the actual agent because I was told he was the only one that could answer my question, and just today I was SHOCKED when I re-read the email, and saw in the forward of my email when his assistant sent it on to the actual SF agent, She said This guy will just not give up, he keeps haunting me about this issue! I couldn't freaking believe it. I was going to forward the email to SF headquarters in Bloomington IL, but then as I read more & more about state farm I saw they are completely independent agents in each office, and have literally NO ONE who is their boss or who can reprimand or correct them. This is unbelievable. If I treated my customers at my work place & gave them the rotten attitude treatment we get from our SF office here, I guarantee you I would lose my job. No one is in charge at state farm obviously. Back to my question - I recently bought a classic car I have been looking for a long time - getting it next week - it is 25 yrs old, all original & in perfect shape. My state (Maryland) lets me register the car as Historic if it is 20 yrs old or more. I plan to do this. I contacted my wonderful state farm office today, to get a quote on a new policy/binder for this collectors car. They apparently don't like insuring a vehicle as Historic, maybe the policy is too cheap & they do not make any money off it. The 'assistant' said the best they can do, even if I REGISTER this vehicle in Maryland as Historic & get an Historic tag, which I will do, she said the best she can do is insure it as part time, occasional pleasure use, under 7500 miles a year . Which of course is NOT an historic policy. You can get that on ANY extra car you have in your household even if it is a 2011 model !! She did say (and I understand this being required) that in order to have is classified as Antique/Classic/Historic, you have to have an appraisal done on the vehicle as if it just came off the show room floor -then the premiums would be much lower if you had full coverage on it, as historic/classic . So here we stand. Can someone out there please help me understand - am I being taken for a ride by my State Farm office? Should I shop around for insurance companies that just specialize in Classic/Historic auto insurance? If so can anyone recommend the best companies that specialize in reasonable insurance for classic/historic vehicles? Thanks for your help. .""

Is insurance a must for everybody to have?

Is insurance a must for everybody to have?

How to become an insurance underwriter?

Im looking to move on in my career and I am really interested in becoming an Insurance Underwriter. I am currently studying for the CII FIT exam and was wondering what else I would require. Any help appreciated thanks.

Land O Lakes Florida Cheap car insurance quotes zip 34638

Land O Lakes Florida Cheap car insurance quotes zip 34638

Who has the best car insurance rates in New Jersey?

South Jersey Resident. 26 year old male with a clean driving record.

Who is a good auto insurance company for active duty military members changing addresses often?

insurance companies who cover multiple states

Car insurance?

My auto insurance has expired and I'm kinda looking for a new car insurance. I can extend the previous car insurance, but I just want to know about other car insurances as well so that I can make a good choice. I took a look at many car insurance company websites, but it seemed like I need to put all my personal information (not only about my car and my email address but also my home address, phone# etc) to get a quote. I'm worried that maybe they would send me all kinds of junk mail kinda stuff to my house if I put my address on the form to get a quote. Do you know any good ways of getting a quote without telling them my personal info? Any recommendation which car insurance company is good? Btw I've never got into any car accidents so I just need a cheap auto insurance. I drive '83 caddi.""

How much will my auto insurance cost?

Ok...so I'm looking at an old 73' Bug to possibly buy for college and all. Cost- of the car at least- is not a problem, as its $100, and I have $100. (Yes, it does have issues and looks horrible, but hey it runs and drives). So...that brings up insurance. There is NO way I can get in on my mom's insurance- she won't let me get a car so the only way is if I do all myself, and I'm 18 now and going to college in a few weeks, so a=Im looking at my options. I know as a male teenage driver its going to be high, but what is high? How much will good grades and all that help? Just, what would you recommend and how much could it end up costing? Thanks...""

Liability insurance if car catches fire?

my car got caught on fire i think the firefighter says it say electric wiring i only have liability insurance is my insurance will cover that my car is total now ,thanks so much""

Car insurance for a 19 year old?

Ok about a few Weeks ago I was involved in a wreak, I had no license and was not under my parents insurance. Luckily i didn't go to jail cause I was rear ended. Now I'm attempting to get A drivers license after SO long I've been begging for one, The only thing that's held me back from getting one was my parents because they said i would be tagged on into the insurance, and that I had to go under another address. Now after the wreak they said I cant get one, because once the insurance finds out im driving, they'll automatically add me on, is this true? I want to get back on the road and walking is pretty bad knowing i have a car ive been paying for the [ast two years for. BTW I live in Texas and under state farm.""

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

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

Would a 1972 Monte Carlo be expensive to insure?

Someone said it may be expensive to insure this kind of car. Could he be referring to just this one particular car or all muscle cars from the early 70's? keep in mind i am 18 years old if that makes any difference.

What states don't require auto insurance?

As a young driver auto insurance is way to expensive. Since I drive a Mercedes most quote me at thousands of dollars a year. More than what I can afford. I know some states don't require car insurance if you can prove you have the financial means to pay out if you cause an accident. I need a list of those states that don't require auto insurance if you can prove you can afford to pay out. On top of this question how do I prove I can afford it. Do I need to keep a minimum amount of money in a bank account or do I have to buy a bond how does it work. And if it works with a bond or bank account please list the states with the minimum $ you need in bonds or account money. The reason Im asking is that I can easily get a minimum amount in my account (hopefully under $10,000) because id rather have $10,000 sitting in a bank I cant use than having to pay thousands a year for insurance I don't need. I been driving for 3 years and I never had an accident and im confident I never will (at least not one that's my fault) so I don't wanna waste thousands of dollars I need for my school. The reason Im asking is cause im looking for a state that suits me. So far Vermont and new Hampshire have laws to my liking but hopefully you guys can give me more possibilities by answering this question. Thanks""

What's the best health insurance coverage and best insurance company?

I'd like suggestions on the best top-notch health insurance coverage/ company in the U.S or just in general. I'd also like to know if there are other companies abroad who provide health insurance coverage for U.S citizens. Finally as a young kid just out of college , with first career job, with no health issues what should i be looking at as far as coverage plans and expenses, looking to save money. I had a student health coverage while in schoolm, but it's since expired. Thanks""

Is my parent ever eligible for coverage on my insurance?

My mother is disabled. Is it possible she can be covered through my insurance?

Health insurance.HELP?

I just found out I was pregnant and I am having to do my health insurance by myself now. I understand co-pays but does the insurance company bill you anything? I think I have already reached my deductible for the year but I'm not sure. Usually my father handles and explains all of my health insurance stuff but since he is very busy I am having to do it all myself.

Guestimate how much i will have to pay for insurance?

In MA, a 1994-95 honda civic hatchback 120,000 miles,im 18 and didnt take driver's ed. This is my first car. All i have is a permit for 4 months.""

How much do you pay for your car insurance?

How much do you pay and is that amount on a monthly, semi-annual, or annual basis? What state do you live in? What is your age? What is the year, make, and model of the car you drive? Serious answers only, please. If you're not comfortable offering this information, please don't answer the question.""

Do various driving school programs give different types of certificates that affect your insurance?

I am a 20 year old female first time driver living in Colorado, and I'm debating what program to go with for driving school. The completely online one, the half online half classroom, or the full classroom. I want to take which ever one will give me the best insurance rate.""

Car and insurance problem.?

If I was in the process of getting a driving lesson from my instructor, I crashed his car. Am I suppose to be in charge of this, but I don't have a license yet. So, am I going to be the one who pays for the insurance or the instructor?""

How much would my car insurance cost for under 25 for a multi car insurer?

i am 19 and want to start driving but insurance is a big issue and i don't have any knowledge in that department. So how much would my insurance be on the cheapest car (what car would that be?) as a multi car insurer?

How does LIFE INSURANCE work?

my cousins dad dies of cancer and he had life insurance. the family got $500,000 . -did the insurance company just give them the money away. or did they make certain payments? doesnt insurance lose money? -do they go on a spending spree now or what?""

""Ok i dont have car insurance but i want to rent a car for a month, is there a car insurance for this situation

so i would just like to pay for the car insurance for a month. I was wondering though do I need car insurance when i rent a car.

How much will auto insurance be?

I am going to be getting my permit in a month and i already have a car. its a 94 plymouth acclaim 4 cyl and i was wondering how much insurance will be, I will be joining my moms insurance she has farmers.""

DReam asks Can i buy health insurance?

I am a dreamer & i see i dont qualify for obama care i got that but i want to know if i can buy health insurance from a company or something?? Im abt to work in a plant & they required health insurance...

""Attention young driver's, where did you get insurance from?""

My 17th is coming up soon and I really want to be able to drive however every time I look for insurance the cheapest ones I can get are in excess of 2500 at least! Also are there any cars or small hatchbacks that are best to insure, keep and drive in your opinion???? Is it best to get my own car and have my parents as named drivers or the other way round? Thanks! :)""

Have a Teenage son 18 and Want Car insurance let me know how much you paid and what Insurance co and what Car?

Thanks

Nissan GTR for a teenager?

Hey everyone, I am a 16 year old who runs a photography business in Nashville, TN. I have been saving up for a car for the last 7 years, originally for a BMW M3 or Audi S5. I have amassed about $25,500 to spend on the car, and have a steady income to pay for insurance and gas. There was a recent question asking whether it would be safe to give a child like myself a car like the M3 or the Nissan GTR. However, I feel as though such a generalized statement is grossly inappropriate. I feel that responsibility in an automobile should fully be determined by ones own experience and responsibility, as opposed to strictly ones age. For example, I have shifter cart racing experience, have taken multiple high performance driving courses from some of the best. (Truly recommend Bondurant's program BTW). I have over a 4.0 GPA, and am editor and director of an online magazine and our school's paper. I make a decent wage from a job and business that I created myself, and have learned marketing and advertising from some of the best in the field (anyone heard of the oldspice commercials?). My own determination has lead to success and my ability to reward myself with a highly exclusive and phenomonal driving machine. On the other hand, no one would doubt the maturity or ability of a man thrice my age attempting to buy the same vehicle, who had never driven on a track, who had never used ABS, and who had never learned the evasive driving techniques necessary to driving such an automobile. Herein lies the problem. In the previous discussion on this same topic, the driving of a GTR by someone my own age was likened to handing someone like myself a loaded .44 Magnum. However, this in itself is a stereotype. I am a nationally ranked rifle competitor who knows how to build, much less safely use, a .44 Magnum. I am a member of USA Shooting and the NRA and CMP competitive shooting divisions. How is handing me a loaded .44 any less safe than handing some retired man who has never held a gun the same pistol? I am at a loss for the logic in that situation. Is my inherent danger of being 16 such a risk as to counteract my own experience and track record of responsibility? SO back to my actual question. 1. If I purchased it, would you disapprove of allowing me to drive a car such as the GTR. and 2. Would you purchase a 2009 GTR, an 2008 M3, or a 2010 Jaguar XF? Why? Thanks in advance!""

How much would the insurance be on this car?

A ford ka 2001 around 56,000 miles and I am a new driver 17""

Land O Lakes Florida Cheap car insurance quotes zip 34638

Land O Lakes Florida Cheap car insurance quotes zip 34638

https://www.linkedin.com/pulse/tip-cheap-car-insurance-quotes-ma-antonio-wilson/"

[jonathanbelloblog]

Still Dreaming: Car Connoisseur John Staluppi

PALM BEACH, Florida — “We’re very selective on the cars here. I don’t like any pieces of s***, excuse my language,” John Staluppi, a reasonable approximation of a sturdier Robert De Niro, says in his Brooklyn accent. “I’m not that much about history and all that stuff. I’m more about I want the car to look nice, drive nice.”

We’re walking through an enthusiast’s paradise that Staluppi, born in 1947, calls his Cars of Dreams, built into roughly half of a nondescript West Palm Beach, Florida, strip mall he purchased primarily to house his extensive collection of automobiles. A casual passerby has no idea of the four-wheeled treasures inside the roughly 60,000-square-foot space. With its Coney Island theme, accented by a Brooklyn Bridge and Manhattan skyline motif along the back wall, this isn’t just a place to gawk at old cars—there’s an entire town to explore.

Hit the boardwalk and play carnival games, or grab a bite to eat at a functioning Nathan’s hot dog stand. Stroll along the museum’s tree-lined streets, past the mock drive-in theater, prison, and fire station (complete with an actual LaFrance fire truck) and into the old-time Oldsmobile dealership, stocked with period-correct Olds models. A full-scale ’50s-style diner, named after Staluppi’s late dog, Dillinger, is open during the handful of charity events this place opens its doors for each year. This is his private wonderland, a world Staluppi has created to celebrate his love of cars and his childhood home.

Staluppi’s dream was born of necessity. When he moved into his West Palm Beach estate, he quickly found there was one part of the home that didn’t measure up. “I had a 10-car garage, but I said, ‘This is not working,’ and built an 18-car garage for my house,” Staluppi says. “I kept packing cars in, and every time I wanted to go for a ride in a car, I’d have to move five cars just to get to it.”

Once he moved his cars out of the garage and into the museum, he kept packing them in, eventually accumulating roughly 150 in all. But by the end of the week, just a handful will remain. Staluppi is selling nearly the entire shebang—145 cars—at the annual Barrett-Jackson Palm Beach auction. Today, the Barrett-Jackson crew is on hand to tag, prep, and ultimately move each car from this plush townscape to the local fairgrounds where the auction will occur. The smell of exhaust hangs in the air from cars starting and rolling out of the massive building onto waiting transport trailers. When it’s all said and done, Staluppi’s cars will generate $13.96 million at auction, including buyer’s premium, typically around 10 percent. Staluppi’s cut will be the hammer price, minus Barrett-Jackson’s listing fees and seller’s premium of 8 percent (if you do the math, that’s a little more than $1 million). He’s still left with a huge chunk of change, the kind of money Staluppi once only dreamed of earning.

“You look at cars today, it’s hard to tell if it’s an Audi or a Mercedes other than having the big badges. … If you look at these old cars, with the big bumpers and the chrome, they still have that sentimental value.”

In his teenage days, Staluppi worked 9-to-5 as a mechanic at a Brooklyn-based Chevrolet dealer, doing his share of drag racing on the side with cars he built himself. “When I was at Chevrolet, I worked on all the high-performance cars,” he recollects. “The 327 had just come out, then in ’65 the 396 and the 454s came out. So I really got into the muscle cars—that was really my era.”

With some financial help from his working-class parents, he went on to purchase a small gas station, then a Honda dealership back when the Japanese company’s only products were motorcycles. Staluppi began adding Honda dealers, filling his showrooms with little N600 micro sedans when Honda offered cars for U.S. sale. His timing couldn’t have been better. When the aftershocks of the 1973-74 OPEC oil embargo led to higher gas prices, Honda’s fuel-efficient cars and motorcycles started flying out of Staluppi’s showrooms. The windfall enabled him to expand into Oldsmobile and Nissan dealerships. Although his empire has shrunk since its peak at 40 dealerships, Staluppi says the family business (his son owns franchises in Las Vegas) still constitutes the third-largest private dealership group in the country.

This new collection is going to have hardtops and station wagons—I used to love the old Woodies.

Although sales of contemporary cars have long buttered Staluppi’s bread, they don’t do much for him. “Classic cars just have the look,” he insists. “You look at cars today, it’s hard to tell if it’s an Audi or a Mercedes other than having the big badges. There aren’t a lot of convertibles out there today; most cars are four doors. If you look at these old cars, with the big bumpers and the chrome, they still have that sentimental value.”

That is why, despite selling nearly every car from his collection with its focus on American convertibles primarily from the 1940s to 1960s, this space will no doubt be packed with cars again in the not too distant future. This is the second time Staluppi has sold an enormous grouping of vehicles to fixate on a new theme. Although the focus will remain on American iron, he plans some significant changes.

“I’m not a big foreign car guy,” he says. “Ferraris and all that, I had a couple of them. … They don’t do nothin’ for me. Maybe I would buy some old Rolls-Royces or the old Bentleys. I’ve got to find the right ones, with the tires on the fenders. This new collection is going to have hardtops and station wagons—I used to love the old Woodies. This time we’re going to do a lot more restomods. I like that they have fuel injection; carburetors are a pain in the ass. We have a few cars that weren’t started for a long time and the carburetors were all gummed up … oh my god.”

John Staluppi is an active Barrett-Jackson bidder and attends nearly every auction.

Even though he’s been here, done this before, Staluppi is still sentimental about selling the collection he spent several years building. As he wanders the rows of vehicles, checking in with Barrett-Jackson’s team on its progress, it’s apparent this is a big life event.

“I was really getting melancholy the other night,” Staluppi admits. “Some people sell their cars because they need the money. I just wanted to have a change. But as I’m going through it, I’m thinking, ‘What am I doing?’ If the place was bigger, I’d just go out and buy another 150 cars and have 300 cars. But I don’t want to just have 300 cars in a warehouse. I want it to look nice.”

After a lifetime of buying and selling for a living and a hobby, there is at least one car, his first Corvette, Staluppi refuses to part with. Or rather, he won’t sell it again.

“When I was still a mechanic at the Chevy dealer, they got this black ’62 Corvette in, and I was going crazy,” he says. “I went to my father and said, ‘I really want this car. You’ve gotta help me out.’ He took out a second mortgage on the house ’cause we didn’t have a lot of money. It was $3,100, and the house was only worth $18,000. I got the Corvette, and it was the first really new Corvette I had.” By the end of the ’60s, Staluppi sold the Corvette, but more recently, his then-99-year-old father told him, “Johnny, when your mother died, I was cleaning out some stuff, and I found the registration for your first Corvette.”

Corvettes loom large in John Staluppi’s legend. He sold 17 of them at this single auction and bought one more for charity.

“I said, ‘You’ve got to be kidding me!’ I tracked down the car in Michigan and bought it,” Staluppi says with an ear-to-ear grin.

These days, the collector has branched out from automotive ventures into commissioning some of the fastest luxury yachts in the world. One of those creations, a 140-foot boat named The World Is Not Enough (all of Staluppi’s boats are 007-themed), is capable of hitting some 80 mph on open water. But Staluppi isn’t finished tinkering with cars. His latest project is a 1958 Cadillac Eldorado Biarritz convertible he plans to modify.

“I decided I want to put four-wheel drive in the car and also a fuel-injection motor,” he says. “So I bought a used Escalade, and a guy is putting the car on the Escalade chassis. I’ve got a home in the mountains, and I want a car that I can drive there with four-wheel drive. It’ll be the only ’58 Cadillac with four-wheel drive!”

There will be plenty more cars to come and plenty more dreams worth chasing—and perhaps, eventually, yet another big auction when Staluppi once again feels a change is in order.

Best of Sale John Staluppi Cars of Dreams

Barrett-Jackson Palm Beach 2018, April 12-15

1970 Plymouth Superbird Sold for: $286,000

Lots of Superbirds were driven hard and put away wet when they were just “used cars,” but this example seems to have been spared that sort of misery. The original numbers-matching 440-cubic-inch six-barrel engine and 727 Torqueflite transmission are installed, and the nose cone, often replaced with an aftermarket one due to damage, is factory original.

1969 Pontiac GTO Judge Ram Air IV Sold for: $178,200

Subjected to a full frame-off restoration and powertrain rebuild, this documented, factory-produced Judge is one of just 549 built with the desirable Ram Air IV engine and Muncie M21 four-speed, short-ratio manual gearbox. Said to be factory-correct down to the little details—like GM-branded hoses—this surely must be one of the best available, hence the strong sale price.

1957 BMW Isetta 300 Sold for: $57,200

Isettas are probably best known in the U.S. thanks to their association with television character Steve Urkel from the ’90s sitcom “Family Matters,” but as classic microcars gain traction in the marketplace, their values are on the rise. An outlier in the American-centric Staluppi collection, this Isetta 300 seats two and has a rear-mounted 0.3-liter engine. This was fair market value for a nicely restored car.

1957 Cadillac Eldorado Biarritz Sold for: $170,500

Staluppi had a hard time parting with this one, and it is easy to see why. The original 365- cubic-inch V-8 sits underhood, and the rest of the car was treated to a cosmetic restoration including 24-karat-gold-plated emblems. With plenty of ownership history and documentation on the car, this one will undoubtedly be tough to replace. You couldn’t restore this Cadillac to this level for the price paid.

1915 Ford Model T Circus Wagon Sold for: $110,000

For the collector who has everything, may we suggest this very early circus wagon? Said to have appeared in Ringling Bros. and Barnum & Bailey circus events, the wagon has been treated to a better-than-original restoration with gold-plated trim, solid brass cage bars, and Amish-made wooden spoke wheels. If you wanted one, here it was.

1962 Chevrolet Corvette Convertible (Not for sale)

You never forget your first Corvette, or at least John Staluppi didn’t. After making the mistake of selling the car once, the opportunity to buy it back presented itself. Staluppi took it and ran. This one won’t escape his possession again.

1969 Chevrolet Camaro Indy Pace Car Convertible Sold for: $110,000

1969 was a unique year in Camaro history, with sporty, restyled sheet metal that lasted for just this single model year. This Indy Pace Car edition (Z11 package) includes the rear spoiler, rally wheels, and a ducted hood.  The car is also equipped with the RS package and a 396-cubic-inch V-8 with four-speed manual transmission. An investment-grade Camaro at a fair price.

The post Still Dreaming: Car Connoisseur John Staluppi appeared first on Automobile Magazine.

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[eddiejpoplar]

Still Dreaming: Car Connoisseur John Staluppi

PALM BEACH, Florida — “We’re very selective on the cars here. I don’t like any pieces of s***, excuse my language,” John Staluppi, a reasonable approximation of a sturdier Robert De Niro, says in his Brooklyn accent. “I’m not that much about history and all that stuff. I’m more about I want the car to look nice, drive nice.”

We’re walking through an enthusiast’s paradise that Staluppi, born in 1947, calls his Cars of Dreams, built into roughly half of a nondescript West Palm Beach, Florida, strip mall he purchased primarily to house his extensive collection of automobiles. A casual passerby has no idea of the four-wheeled treasures inside the roughly 60,000-square-foot space. With its Coney Island theme, accented by a Brooklyn Bridge and Manhattan skyline motif along the back wall, this isn’t just a place to gawk at old cars—there’s an entire town to explore.

Hit the boardwalk and play carnival games, or grab a bite to eat at a functioning Nathan’s hot dog stand. Stroll along the museum’s tree-lined streets, past the mock drive-in theater, prison, and fire station (complete with an actual LaFrance fire truck) and into the old-time Oldsmobile dealership, stocked with period-correct Olds models. A full-scale ’50s-style diner, named after Staluppi’s late dog, Dillinger, is open during the handful of charity events this place opens its doors for each year. This is his private wonderland, a world Staluppi has created to celebrate his love of cars and his childhood home.

Staluppi’s dream was born of necessity. When he moved into his West Palm Beach estate, he quickly found there was one part of the home that didn’t measure up. “I had a 10-car garage, but I said, ‘This is not working,’ and built an 18-car garage for my house,” Staluppi says. “I kept packing cars in, and every time I wanted to go for a ride in a car, I’d have to move five cars just to get to it.”

Once he moved his cars out of the garage and into the museum, he kept packing them in, eventually accumulating roughly 150 in all. But by the end of the week, just a handful will remain. Staluppi is selling nearly the entire shebang—145 cars—at the annual Barrett-Jackson Palm Beach auction. Today, the Barrett-Jackson crew is on hand to tag, prep, and ultimately move each car from this plush townscape to the local fairgrounds where the auction will occur. The smell of exhaust hangs in the air from cars starting and rolling out of the massive building onto waiting transport trailers. When it’s all said and done, Staluppi’s cars will generate $13.96 million at auction, including buyer’s premium, typically around 10 percent. Staluppi’s cut will be the hammer price, minus Barrett-Jackson’s listing fees and seller’s premium of 8 percent (if you do the math, that’s a little more than $1 million). He’s still left with a huge chunk of change, the kind of money Staluppi once only dreamed of earning.

“You look at cars today, it’s hard to tell if it’s an Audi or a Mercedes other than having the big badges. … If you look at these old cars, with the big bumpers and the chrome, they still have that sentimental value.”

In his teenage days, Staluppi worked 9-to-5 as a mechanic at a Brooklyn-based Chevrolet dealer, doing his share of drag racing on the side with cars he built himself. “When I was at Chevrolet, I worked on all the high-performance cars,” he recollects. “The 327 had just come out, then in ’65 the 396 and the 454s came out. So I really got into the muscle cars—that was really my era.”

With some financial help from his working-class parents, he went on to purchase a small gas station, then a Honda dealership back when the Japanese company’s only products were motorcycles. Staluppi began adding Honda dealers, filling his showrooms with little N600 micro sedans when Honda offered cars for U.S. sale. His timing couldn’t have been better. When the aftershocks of the 1973-74 OPEC oil embargo led to higher gas prices, Honda’s fuel-efficient cars and motorcycles started flying out of Staluppi’s showrooms. The windfall enabled him to expand into Oldsmobile and Nissan dealerships. Although his empire has shrunk since its peak at 40 dealerships, Staluppi says the family business (his son owns franchises in Las Vegas) still constitutes the third-largest private dealership group in the country.

This new collection is going to have hardtops and station wagons—I used to love the old Woodies.

Although sales of contemporary cars have long buttered Staluppi’s bread, they don’t do much for him. “Classic cars just have the look,” he insists. “You look at cars today, it’s hard to tell if it’s an Audi or a Mercedes other than having the big badges. There aren’t a lot of convertibles out there today; most cars are four doors. If you look at these old cars, with the big bumpers and the chrome, they still have that sentimental value.”

That is why, despite selling nearly every car from his collection with its focus on American convertibles primarily from the 1940s to 1960s, this space will no doubt be packed with cars again in the not too distant future. This is the second time Staluppi has sold an enormous grouping of vehicles to fixate on a new theme. Although the focus will remain on American iron, he plans some significant changes.

“I’m not a big foreign car guy,” he says. “Ferraris and all that, I had a couple of them. … They don’t do nothin’ for me. Maybe I would buy some old Rolls-Royces or the old Bentleys. I’ve got to find the right ones, with the tires on the fenders. This new collection is going to have hardtops and station wagons—I used to love the old Woodies. This time we’re going to do a lot more restomods. I like that they have fuel injection; carburetors are a pain in the ass. We have a few cars that weren’t started for a long time and the carburetors were all gummed up … oh my god.”

John Staluppi is an active Barrett-Jackson bidder and attends nearly every auction.

Even though he’s been here, done this before, Staluppi is still sentimental about selling the collection he spent several years building. As he wanders the rows of vehicles, checking in with Barrett-Jackson’s team on its progress, it’s apparent this is a big life event.

“I was really getting melancholy the other night,” Staluppi admits. “Some people sell their cars because they need the money. I just wanted to have a change. But as I’m going through it, I’m thinking, ‘What am I doing?’ If the place was bigger, I’d just go out and buy another 150 cars and have 300 cars. But I don’t want to just have 300 cars in a warehouse. I want it to look nice.”

After a lifetime of buying and selling for a living and a hobby, there is at least one car, his first Corvette, Staluppi refuses to part with. Or rather, he won’t sell it again.

“When I was still a mechanic at the Chevy dealer, they got this black ’62 Corvette in, and I was going crazy,” he says. “I went to my father and said, ‘I really want this car. You’ve gotta help me out.’ He took out a second mortgage on the house ’cause we didn’t have a lot of money. It was $3,100, and the house was only worth $18,000. I got the Corvette, and it was the first really new Corvette I had.” By the end of the ’60s, Staluppi sold the Corvette, but more recently, his then-99-year-old father told him, “Johnny, when your mother died, I was cleaning out some stuff, and I found the registration for your first Corvette.”

Corvettes loom large in John Staluppi’s legend. He sold 17 of them at this single auction and bought one more for charity.

“I said, ‘You’ve got to be kidding me!’ I tracked down the car in Michigan and bought it,” Staluppi says with an ear-to-ear grin.

These days, the collector has branched out from automotive ventures into commissioning some of the fastest luxury yachts in the world. One of those creations, a 140-foot boat named The World Is Not Enough (all of Staluppi’s boats are 007-themed), is capable of hitting some 80 mph on open water. But Staluppi isn’t finished tinkering with cars. His latest project is a 1958 Cadillac Eldorado Biarritz convertible he plans to modify.

“I decided I want to put four-wheel drive in the car and also a fuel-injection motor,” he says. “So I bought a used Escalade, and a guy is putting the car on the Escalade chassis. I’ve got a home in the mountains, and I want a car that I can drive there with four-wheel drive. It’ll be the only ’58 Cadillac with four-wheel drive!”

There will be plenty more cars to come and plenty more dreams worth chasing—and perhaps, eventually, yet another big auction when Staluppi once again feels a change is in order.

Best of Sale John Staluppi Cars of Dreams

Barrett-Jackson Palm Beach 2018, April 12-15

1970 Plymouth Superbird Sold for: $286,000

Lots of Superbirds were driven hard and put away wet when they were just “used cars,” but this example seems to have been spared that sort of misery. The original numbers-matching 440-cubic-inch six-barrel engine and 727 Torqueflite transmission are installed, and the nose cone, often replaced with an aftermarket one due to damage, is factory original.

1969 Pontiac GTO Judge Ram Air IV Sold for: $178,200

Subjected to a full frame-off restoration and powertrain rebuild, this documented, factory-produced Judge is one of just 549 built with the desirable Ram Air IV engine and Muncie M21 four-speed, short-ratio manual gearbox. Said to be factory-correct down to the little details—like GM-branded hoses—this surely must be one of the best available, hence the strong sale price.

1957 BMW Isetta 300 Sold for: $57,200

Isettas are probably best known in the U.S. thanks to their association with television character Steve Urkel from the ’90s sitcom “Family Matters,” but as classic microcars gain traction in the marketplace, their values are on the rise. An outlier in the American-centric Staluppi collection, this Isetta 300 seats two and has a rear-mounted 0.3-liter engine. This was fair market value for a nicely restored car.

1957 Cadillac Eldorado Biarritz Sold for: $170,500

Staluppi had a hard time parting with this one, and it is easy to see why. The original 365- cubic-inch V-8 sits underhood, and the rest of the car was treated to a cosmetic restoration including 24-karat-gold-plated emblems. With plenty of ownership history and documentation on the car, this one will undoubtedly be tough to replace. You couldn’t restore this Cadillac to this level for the price paid.

1915 Ford Model T Circus Wagon Sold for: $110,000

For the collector who has everything, may we suggest this very early circus wagon? Said to have appeared in Ringling Bros. and Barnum & Bailey circus events, the wagon has been treated to a better-than-original restoration with gold-plated trim, solid brass cage bars, and Amish-made wooden spoke wheels. If you wanted one, here it was.

1962 Chevrolet Corvette Convertible (Not for sale)

You never forget your first Corvette, or at least John Staluppi didn’t. After making the mistake of selling the car once, the opportunity to buy it back presented itself. Staluppi took it and ran. This one won’t escape his possession again.

1969 Chevrolet Camaro Indy Pace Car Convertible Sold for: $110,000

1969 was a unique year in Camaro history, with sporty, restyled sheet metal that lasted for just this single model year. This Indy Pace Car edition (Z11 package) includes the rear spoiler, rally wheels, and a ducted hood.  The car is also equipped with the RS package and a 396-cubic-inch V-8 with four-speed manual transmission. An investment-grade Camaro at a fair price.

The post Still Dreaming: Car Connoisseur John Staluppi appeared first on Automobile Magazine.

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[azanycollectormilkshakeworl-blog]

Teenage Boy Car Insurance.?

"Teenage Boy Car Insurance.?

My 17yrs old son is about to pass his driving exam and then go through the pass plus test too. We were looking to buy him a cheep second hand car for about 500 but when it came to insurance we have been repeatedly quoted around the 3500 mark for third party.  Does anyone know where I can get cheep insurance for a boy?

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

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Local Car Rental Brooklyn NY No license/insurance to practice driving I will have a licensed person in the passenger seat, but i need a car just for one hour, to practice my skills and prepare for the exam this is very simple, i need a car to practice driving, i have about 15hrs, need mroe any local car rentals in Brooklyn NY? I do not care so much for the cost, as much as just simplifying the process of renting a car for a measly hour. Thanks""

Why do people keep comparing health insurance mandates to car insurance mandates?

Car insurance mandates are done at the STATE level, in accordance with the Tenth Amendment of the U.S. constitution. Yet people (the president included) continue to claim that a FEDERAL mandate to buy insurance is no different than being required to cover your car. (Completely ignoring that you have to BUY a car before you must get insurance...the govt's basically saying they own your body...insure it or be taxed) So isn't a FEDERAL mandate unconstitutional unless you plan on writing an amendment to the Constitution so that such a mandate is in accordance with the Tenth Amendment?? http://www.politico.com/news/stories/0909/27384.html The questions from ABCs George Stephanopoulos highlighted a politically dangerous new aspect of the health reform debate for Obama  as critics from Republican leaders to the U.S. Chamber of Commerce say his reform proposals amount to a middle-class tax increase. Obama promised during the campaign that Americans earning less than $250,000 a year would not see any tax increases from an Obama administration. Obama strongly denied that the mandate amounts to a tax increase  saying it was no different than requiring people to have auto insurance and charging a penalty if they dont. He also said it was important for everyone to have insurance so that people who do carry insurance dont have to shoulder the load for people who dont. The excise tax is designed as an enforcement mechanism to ensure people will carry insurance.""

Is it unsafe to get a home loan with no deposit?

I would really like to take advantage of the first home buyers grant but will not have a deposit in time. I have looked at no deposit home loans but have heard they can be dangerous. Is that true?

Can anyone explain life insurance to me?

Can you insure the whole family? As if, if any of them passes away the rest get the money?""

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

Travel Car Insurance?

Does anyone know of any websites that can allow insurance on a car for about a week just for travel? I am going to Vegas and using my mom's car but I have to get insurance on it but I only want it for the week. Any ideas ??

Insurance for a 3 series BMW Convertable?

Does anybody know a good/cheap insurance company for a BMW 3 Series Convertable. I don't have any no claims as i have always driven a company car! Please please help!!!!

I am looking for good insurance on a new car.?

I am 21 years old and getting my first new car. Where do you suggest I look for car insurance? I don't have the best driving record. I had an accident in Nov 2002 and a speeding ticket in July 2003. I want to get a lot of coverage, but I don't want to be paying anything outrageous. How much should I be expecting to pay for car insurance?""

Car insurance for a 17 year old? HELP?

Im 17 in the uk and passed my test 2 months ago and have been insured as an additional driver on a parents car since then (2500 for one year on a ka what a piss take). no claims or convictions, nothing. I've been looking to buy my own cheap car but the prices insurers are asking for on comparison websites are absoloutley ridiculous, 10,000 annual for a ford fieta worth 900! I've tried choosing cars with small engines like a citroen c1 but STILL ridiculous quotes. How ar other youngsters complaining of their annual insurance of 3000 when I cant even find one under 10,000!!!! WTF. How are 17 year olds driving their own cars at my college? from what I've seen its financialy impossible unless their parents are millionaires. Half the insurers I go to online are 'unable to offer a quote', and theres no point in me taking pass plus because that'll only take 100 off of a giagantic quote which'll make no difference whatsoever. WHAT THE HELL. my postcode is RM7 if that makes any difference? Is there any kind of specialist young driver insures that I can go to who'll give me a better deal? I mean even if it was 5000 annual I'd be happy! Or insures that do that black box in your car thing? Because Im actually a very safe driver and having to pa astronomical amounts because of statistics is rather annoying. So any ideas of insurers I can go to direct to try and get a decent deal? thanks""

CAR ACCIDENT WHOS AT FAULT AND DO WE HAVE TO GO THROUGH INSURANCE?

I was in a car accident yesterday a very minor one, the damage to my mother in laws BMW was just a cracked head light, and damage to theres was hardly apparent although the man said there was a tiny bump in door and a scratch. what happened was i was leaving a duel carriageway and on the side lane one lane was closed and a cone was in the road i swerved to miss going into work access (plenty of room as cones missing ETC cos of bad weather) then i pulled straight back out into correct lane having dragged the cone and seeming to leave it in work access... although all this happened in matter of seconds when i pulled back out i have hit the car that was originally behind me in the side door he obviously didn't break in time to stop when i swerved... i have a feeling because it was me that hit him that i am at fault? problem is i don't want to really go through insurance as it means both me and my mother in law will lose our no claims and because it was me driving not my mother in law excess is 600 as i am only a named driver.... I would rather just pay for damages if i am at fault than give my mother in law all the hassle...how much do you think it will cost? only thing is when i said this to the man he said he needs to notify insurance anyway and mine which i have been told will lose our no claims anyway... any ideas info please as im quite confused?""

How much would insurance be for a 16 yr. old?

Say I just got my license and I have a 3.7 GPA

Insurance for young adults?

I can't seem to get all of my questions answered from my own research, so I've resorted to yahoo answers. My family lost my dad a few years ago, and with him we lost our insurance coverage. We currently receive social security. This stops once I graduate. Would I be able to receive any sort benefits (any sort of welfare, food stamps, etc) as a result of this? What about college grants? Also, my mom, sister and I don't have any health insurance. I want to apply for affordable insurance, but I really don't know much about it. How much would it cost, and what are my options? Thank you so much for anyone who takes the time to answer this, I really appreciate it.""

Is it any difference between Insurance agent and broker?

Is it any difference between Insurance agent and broker?

Would car insurance be less if i got an older car/truck?

like from the 1980 to 2000? and would a pickup truck cost less to insure than a small car? im 18 if that helps any.

Insurance checks?

i own a business that was robbed recently. i have already gotten my insurance check to replace my stolen items. they only gave me wholesale cost, so i wasnt able to replace everything.... just today, they found most, but not all of my stuff. do i have to give back my insurance money?""

Insurance after admitting responsibility car crash?

i have admitted responsibility at the scene when i crashed my car into someone elses. i have since found out that it will make my insurance go up horrendously. yikes!! how much is my insurance likely to go up? im worried

Teenage Boy Car Insurance.?

My 17yrs old son is about to pass his driving exam and then go through the pass plus test too. We were looking to buy him a cheep second hand car for about 500 but when it came to insurance we have been repeatedly quoted around the 3500 mark for third party.  Does anyone know where I can get cheep insurance for a boy?

Do illegal immigrants get health insurance?

What insurance and how?

Where Can I get Cheap Car Insurance?

I am currently a full time student and I am trying to find Car insurance that won't cost me an arm and a leg. The cheapest quote i have gotten is 2052 (full license) yet im certain i could get it cheaper... I am looking to get a Citroen Saxo, 3 door, as they are meant to be a good first car and cheaper insurance, yet i don't call that cheap! Direct line has put their prices for young drivers up to a minimum of 3000 and the car is only worth 850! I will be the main driver of the car, if not the only driver and as my parents have polices with companies that won't put me on as a named driver I'm screwed. Im 17 year old boy and can't really afford to pay that much.... Anyone know where i can get a reasonable quote from. I expect it to be high but that much - wow Best quote came from Quinn direct""

Why are my insurance quotes coming to 20-40k?

Ok so i know insurance in London will be alot for a student like me who is 17, but why is it my friends are getting insurance for 2k in london and when i enter correct information on quote websites (obvisouly acting as if i am 17) that my quotes are coming to 44k, what should i do when it comes to getting my own policy? thansk""

Is there any affordable Car Insurance for 16 year olds?

PLEASE READ: The problem is this. I'm 16 years old, and I really would like to own a car. But the problem is this. When your 16 and you first get insurance, it is super expensive. I have a brother the same age who would also like a car. But I have a single mother. If we have 3 cars and 3 people on one policy, that means it will cost over 10,000 dollars. I know I have to take a defensive drivers course to get 10% off, and I should get honor roll (But that'ss too hard). I've suggested that we get minimal coverage, but my moms the kind of person who thinks she has to pay a lot of money to be covered. Because she won't take minimal coverage, Now I can't have a car. What is the name of a car insurance company that is very affordable but does not make you go on minimal coverage to afford it? If you want, you can tell me what it cost you so I get a best estimate. Thanks.""

Which car insurance companies have you found to be cheapest for a teen?

Im 17 years-old and plan to be added to my parent's car insurance. I have good grades, took drivers ed, will be driving an older car and live in Idaho. Which company will work best for my situation? All help is appreciated.""

Insurance for motorcycle?

i live in Montreal Quebec, and would be around 18-25 years old would a Kawasaki ninja 250 (250cc sport bike) be more expensive than a 800cc cruiser? cuz i was originally intresetd in the 250 because of its fun factor and etc... but my uncle is saying that insurance would be a lot because it is a sport bike and i would be still young, so its better to get a cruiser (sportster style bike) because it is heavyer, stabler...and will cost less to insure. but im a little skeptical because a 250cc engine really is not fast (compared to the 600cc sport bike) and a guy on youtube said that his friend pays a little less than half of what he pays for his kawa. 900 custom""

""Why is insurance important, 20 pts for the best answer?

Your best friend says they dont think insurance is important. Explain to them why it is important to have insurance. How is having insurance important for successful financial management?

Where can i get information on the popularity among savings insurance vs health insurance?

I would like to know which is higher on the premium you have to pay for savings and health insurance? savings or health insurance is higher? how can i get info on this?

Will my insurance cost more this year?

hello people ... so i was wondering if anyone thinks my insurance will cost more this year. i have a motorbike honda cbr125. last year it cost me 450 to insure. looking at the insurance this year it says around 550-650 will mine be this much?

First car very expensive insurance?

Hi, Ive passed my test about 2 months ago. Ive checked few price comparesing websites for inurance and they all tell me prices around 2000 per annue!!! My friends telling me its impossible it would be that high even as first time driver! I also passed Pass Plus which should give me additional discount. I dont understand I thought it might be postcode fault but its not. every postcode I checked its the same. any ideas? car im trying to insurance quote for is 2005 diesel clio. which is group 2-3. I also checked few other cars and its the same. which website is the best to check for quote? thank you guys!""

How much would car insurance cost for a 16 year old girl driving a 1997 Ford Mustang GT?

The car is a V8 and has 170+ miles. Please do not post answers with websites linking me on how to figure it out on my own.

What insurance do i need?

What type of insurance is required by the California DMV for a drivers test?

Best car with cheapest car insurance?

I have passed my driving test in the uk. I am 17 year old male. I wanted to find out what is the best car to get that offers low car insurabce. Thank you

Pregnant and scared...?

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

Do you know any life insurance companies that has all of this?

1) Has banding coverage, meaning rates are base on total coverage of the primary and the spouse. 2) Has spouse rider and child rider, so there's only one policy fee 3) Has terminal illness benefit. If you are diagnose to be terminally ill, you can use a portion of the face amount for whatever reasons. 4) Has increasing benefit rider. That means every year up to a certain time, the face amount goes up by a certain percent without having to provide proof of insurability. And the rate of the added coverage is base on the age when the policy was issued to you. 5) Disability waiver of premium. This means when you become disabled, all your premiums will be waivered and the policy will remain enforced until it matures or expires. 6) Guarantees insurability for children. That means when the child becomes an adult, he/she can get life insurance regardless of current health conditions. 7) It has AM Best Rating of A+ or better or Moody Rating of AA or better. The company I work has all these features in all their life insurance policies. I was wondering if any other companies out there has the same features.""

Is there a site that compares auto insurance quotes?

Preferably one that gives you quotes on the spot instead of sending your info to companies. Thanks!!

Do you have health insurance?

if so, How much is it per month. What kind of deductable do you have? How old are you? feel free to answer also if you do not have insurance and if you support obamacare?""

What sort of car/van insurance can i get?

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

I have a question about insurance..who is the most well known insurance in canada...and give a great benifit?

i have a question about insurance..who is the most well known insurance in canada...and give a great benifit?

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

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

Affordable DUI/SR-22 insurance in CA?

I need to get dui/sr-22 insurance in California. I was wondering if anyone knew of a affordable, reliable company i can get it from? Whats an rough estimate of costs? Thanks""

Car Insurance.?

My dad doesnt want to put me on his insurance, even though i offered to pay and my mom is gonna buy me the car. Male, 16, the car is probably going to be a 2001, 2-door honda. What is an estimated amount am I going to have to pay if I get my own car insurance.""

Car Insurance for youth?

What car insurance company is usually cheapest for a new driver with a car in the early 90's (1991 Grand Prix) for liablity only. I would go on with my parents but the company they have forces me to pay on every car they own and its just waaaay to much for me since im just starting out in the workforce

How Much Would A 17 Year Old With A G2 Pay For Insurance For A 1995 Geo Metro Hatchback in Toronto?

Im planning on getting my first car but the insurance is holding me back. Please Help.What Company do you suggest? Maybe you know someone with the same car and around the same age.

Who do you have for car insurance? open!?

looking for a cheap car insurance, buut not to cheap were if i get into a car crash they'd give me 10 cents. any suggestions?""

Teenage Boy Car Insurance.?

My 17yrs old son is about to pass his driving exam and then go through the pass plus test too. We were looking to buy him a cheep second hand car for about 500 but when it came to insurance we have been repeatedly quoted around the 3500 mark for third party.  Does anyone know where I can get cheep insurance for a boy?

Pennsylvania car insurance prices?

We are contemplating moving to PA. What are the car insurance rates like there?

Review of Student Health Insurance from SUNY schools?

If you have bought the insurance provided from any SUNY school, what is your review on its coverage?""

Motorcycle insurance with no Class C?

I live I California and the dmv gave me an only class M learners permit and I can only ride motorcycles not cars. My problem is Insurance companies keep asking for a drivers license then they cut me but I really don't want a Class C license!!! Any insurance companies bypass that?

Insurance and meds HELP Please?

Any advice would be helpful first my story I have meds that cost $1000 every month. I need insurance I have not had insurance since Peach-care about 3 years ago My job offers insurance for $2.50 a week my jobs insurance covers everything but my meds I get my meds for free with a prescription saving program I only make around $900 a month If I get my company insurance I no longer qualify for my free med program Any advice? I miss Peach-care they covered $100% of everything for only a few dollars. Is their any insurance that would cover 100% of my meds and dental, vision etc for no more than $100 a month?""

""Buying a car, how much will title transfer and all that cost?""

So I'm going to buy a used car and I was just wondering how much it will cost for me to legally drive it? Not including insurance. I live in Illinois and I'm 16 years old, if that matters. I've checked the DMV site and it's kind of confusing so I figured I might be able to get a quick answer here. Thanks!""

Is my parent ever eligible for coverage on my insurance?

My mother is disabled. Is it possible she can be covered through my insurance?

Do I need insurance to buy a used car?

Wisconsin- I will be buying a new car this week (2004 Monte Carlo). My license is currently suspended, do I need to get insurance for it before I bring it home? (My mom will be driving it home for me)""

I want to know about car insurance?

I want to know about car insurance quotes and find out how much i save on my car insurance.

Can insurance companies keep you from getting a better quote?

Can auto insurance companies put some type of flag on your name so you can't shop for better price quotes? Someone at DMV said they can.

Car accident and cost $500 to repaint the bumper ?

I crashed a car in a paking lot. It was a dent on a left rear bumper. I didnt want to report to my insurance because i got in an car accident few months ago( i was 17 and juz turned 18). The owner took his car to mechanism and sent me a receive of her car repair. It costed $500 to repaint a left bumper ( Acura 2 doors). My dad told me that $500 can painting the whole car and told me to as the owner if I can pay only $300. I dont want my insurance goes up but also dont want they charge me that much. I wonder if they really cost $500 to repaint the bumper because the owner sent me a payment for her car and anyway that i can ask hhim to lower the cost. I took a picture of the dent after I crash it andn dont know if it can help for anything ??

How much would it cost to insure another car on my mom's insurance?

Im 16. I really want to get a car but my mom claims she can't afford to insure 2 cars. I have discounts though. I took drivers ed in school, i have a job, and im a girl. She has mercury car insurance. She claims that her car insurance will go up 2000$ to insure another car. the car she has is a 2011 toyota camry. I think shes lying and just doesn't want to pay for it. I don't think its that much because there are a lot of people at my school who live in project housing or don't make nearly as much money as my mom does and have their own cars so..im asking, how much would it really cost to insure another car? If you know of any other insurances that are cheap to insure 2 cars, 1 for a 16 year old, feel free to enlighten me. Thanks! btw, I offered to pay as much as I could in insurance but she said I don't make enough money. :(""

How can I get dental and medical insurance?

I turned 18 back in 2011 and now I'm not on my mom's dental or medical insurance. How do I get dental and medical coverage?

Dollar general insurance rates. are we getting screwed?

how much would a manager at dollar general have to pay for comany insurance? 3 children covered, no heath probems. living in missouri i think my fiance is getting screwd by his ex wife and i think he is paying for her on the insurance with the boys. he pays an extra 300 a month suposedly just for the boys insurance. please help!""

How much would car insurance cost me???

Before I start calling for quotes, I would like to know approximately how much Im looking at to get car insurance in my name alone for 1 year. I need to know how much to put aside for it. Im female, 31 years old, I live in Queens, NY, will be buying a used car from a private seller, have NEVER had car insurance in my name, and Ive had my license for about 10 years. Also, why is it that when you request a quote online, they only give you an estimate for a 6-month policy? Does that mean you only pay insurance for 6 months or do you have to pay the 6-month premium 2x in that year? Thanks.""

Had a minor accident (my fault)... how much should I expect my insurance go up as a new driver?

I bought a brand new car and had an accident 3 hours after... I was parked and trying to leave, and while backing up I turn too early and my front bumper hit the rear side end of the other vehicle (damage of the other vehicle was 12x5 scrape and no dent)... I was asked for 1k for repairs so I decided to have our insurance work with it. I have insurance under Geico so I was wondering how much will my insurance go up as a new driver?""

Car insurance for MERCEDES BENZE?

WOULD LIKE A GUIDE TO THE BEST TYPE OF CAR INSURANCE FOR MY 2003 MERC/

Can someone convince me Car insurance isn't a complete waste of money.?

I'm only just turning 18 so I've never bought insurance myself my whole life. My stance on insurance is this: You might not have full coverage, they'll try to weasel out of paying you AND you might go for years without getting into an accident. In that time, if you pool up the money you'd have spent on car insurance you'd be able to pay for a car accident anyways. Now I'm just pulling this out of my butt, I don't have much of a basis on saying these things other than its just how i feel about it all, which is why I'm here. What creases me the most out of all this is that i hear car insurance for people my age is high, they treat us all the same and were not given a chance. Apparently no one sees age discrimination if it were slapped on to their face. They force you to have car insurance in Ontario which to me sounds a little ridiculous because i thought insurance was a service, an offer provided by companies, not an obligatory contract the government makes you pay for even if you don't want it. You can see my clear disposition against it at all, quite frankly i about don't wanna drive at all at this point. Though I want to be convinced because Canada's winters are cold, and modern life today kind of requires you to have your own mode of transportation.""

Can I get SC insurance with my car registered in MD in my parents name?

My car is still registered to my parents and I have MD insurance through them. I live in SC and insurance is much cheaper down here. I plan on switching the car to me once I have paid the car off. Can I still get SC insurance with the car still being registered in MD and in my parents name? I can't get a SC license either until I have insurance that is covered in SC. Please help!

How much for car insurance for a 17 year old?

I saved up and bought a 1995 Acura Integra ls 4 door from my cousin. And My parent's have state farm. I was wondering how much the car insurance would be for the down payment and monthly. Please and Thank you!

What is the cheapest car insurance for 16 year olds?

I'm going to get a car soon but I want to be able to pay for my own car insurance. Take some bills off my parents backs. Which insurance company wouldn't screw me over?

Do you think this is a good price for auto insurance?

Is $201.12 a month for full coverage from State Farm a good deal? Progressive quoted me for $285 a month and it doesnt even include UM and the liability is at 10/20/25. State farm would cover me 25/50/25, auto death indemnity, UM, and more. I am a 22 year old female and i just got my license in Feb 07, and i live in Miami. This is for a 2003 Honda Civic LX 2dr coupe (paid in full). This is my first car. I was just wondering, if this is a good price compared to other people my age with similar coverage. I know my friend is paying $300 a month for his and hes 24.""

""Are 4 door, 4 cylinder Honda Civics cheap for auto insurance?""

Are 4 door, 4 cylinder Honda Civics cheap for auto insurance?""

How much is too much for insurance?

Hello. i own a 300zx twin turbo, i have modified it my self with some stuff.. but thats not importent right now. my question is that the cheapest insurance i can get for it with full coverage is around 250 a month..Im willing to pay for it, just because i love everything about this car.. but to my self i think its far too much. im 19 years old, and i was wondering what kinda stuff brings down the amount i would have to pay for insurance? ( i got my license when i was 18, ive had it for about a year now) thanks.""

Do you feel sorry for insurance companies?

Insurance companies that helped develop Obamacare?

""How do I find affordable, personal health insurance at age 54?""

Kaiser would not take me back, after I had lapsed. I am normal, with aches and pains of most anyone, but afraid of being denied coverage at any new application!""

Teenage Boy Car Insurance.?

My 17yrs old son is about to pass his driving exam and then go through the pass plus test too. We were looking to buy him a cheep second hand car for about 500 but when it came to insurance we have been repeatedly quoted around the 3500 mark for third party.  Does anyone know where I can get cheep insurance for a boy?

Whose insurance is a new baby supposed to go on?

I am currently 32 weeks pregnant and my husband and I have seperate insurance policies but both through Blue Cross. Does is matter whose insurance she is supposed to go on or are we just supposed to pick one?

How much will my insurance cost?

I like in Florida, I own a 87' thunderbird no replacement coverage, I haven't been in any accidents, have no tickets and I took drivers ed, I've been driving for over a year and I want to be able to own my car so when I'm 18 my parents can't tell me I can't go out. How much will the monthly payments be on that?""

What's the cheapest insurance for a 17-year-old male in New Jersey? I just need something affordable.?

What's the cheapest insurance for a 17-year-old male in New Jersey? I just need something affordable.?

How much is car insurance?

i'm 18 n i want 2 get a car very soon. i'm paying for my own insurance so i want 2 get an idea of an estimated price. if i get a care made between 1999 n 2005. so if any1 has an idea can u please help me out

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?

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

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

Insurance for an 2008 xb?

if i get a loan for a car through a credit company ..in order to get my insurance rate to go down can i put my dad as a driver? i mean as far as the dealer is concerned its paid cash since its paid with a check but my question is does my dad have to be on the loan to be the primary driver and me be secondary? or do i have to be primary..ive never been insured and in 22 and my dad cant buy the car because he has a pending social security thing..help!

Health insurance HELP!?

okay so hears the problem. im 19 just moved away from home no parental support pretty much on my own attending school and working full time. i need to find a cheap health plan any suggestions? no deductible? HELP PLEASE!!

Car shopping???? and auto insurance?

I am planning to buy a car before school starts again.. I was shopping on craigslist.com and some cars are cheap and sound too good to be true. like this one: http://philadelphia.craigslist.org/car/741877685.html but should i go for it anyway?? should i hire a mechanic to check the car out? if so where can i find one and how much would one cost? will my insurance be expensive?, (im under 18)""

Insurance question..I have 4 years no claims on my 125cc scooter....?

and I am riding it on a provisonal license in the U.K on a C.B.T certificate. I will pass my U.K driving test soon. Does anyone know if there is an insurance company that will take these four years no claims bonus into account when quoting for car insurance?

Cheapest van insurance?

Hi, I have a transit van [smiley or S reg] Its about 220 road tax for the year, and then a S**tload for insurance. I have one Speeding offence, and no no claims - as I havn't ever been insured on a vehicle long enough to build them. I'm 25, and usually get quotes about 1500...That is stupid...Is there any company that does a reasonable price on a van for someone like me. Or should I just give up now. Thanks""

Will my insurance go up?

I am 17 and had insurance. I got into a wreck because i dint stop at a stop sign and hit a car. everybody was fine and i got a ticket for driving left of center and careless prohibited driving. So is my insurance bout to be high??

How much will insurance cost after first dui offense?

I got my first dui for parking my mom's car for her(my intentions weren't to drive home drunk at all... just back 10 feet.) and I use to have insurance but canceled it when ...show more

Auto Insurance - what went wrong here?

Where did I go wrong? A few months back, I backed out of a parking place and stopped, waiting for traffic behind me to resolve itself. While stopped, a large vehicle backed into my driver side door. We both re-parked. The other driver first tried to convince me there was no damage and we should both forget it but after I showed him the damage to my door (his car had almost no damage), we exchanged insurance and personal contact information in a friendly conversation. I reported the damage to my insurance carrier, a large national firm, obtained the required 2 estimates for repair and submitted it, as directed by my carrier and his, to his carrier, a large regional carrier. They informed me he had decided my car was not stopped and so I bore responsibility for his backing his car into me (!), and they therefore were refusing to pay me. My insurance carrier said it was up to me to provide proof my car wasn't moving, regardless of the fact his car backed into mine! I approached the repair firm, and they provided me with photos and offered testimony to state that my car was obviously stopped, based on the damage to the door. I called the individual and said with this information unless he paid the bill in full, I would take him to small claims court. He argued but produced a check for the full amount. A month later, my insurance carrier raised my rate based on this incident and a highway speeding ticket over a year ago. I ended up paying more for my insurance and lost a great deal of time despite both of us being insured. Where did I go wrong?""

Need to find affordable health insurance?

My health insurance just went up again. I live in New York any places i can check out? It will be greatly appreciated

What are teenage driving insurance rates for girls?

whats the cheapest in illionois? do i have to have insurance while driving w/ a permit??

Do I need rental car insurance?

I'm going to be renting/leasing a car from Avis for around 6 months while traveling for work. Will my current auto insurance be enough or should I take out a separate policy on the rental car itself? I really can't afford to take the insurance from Avis so I'm trying to find the next best option that will keep me well protected on the road.

Tell me a word which explain Insurance in a single line?

I need a good tagline for Insurance

Insurance costs for new drivers?

I am thinking of getting my driver's license in about seven months (when i turn 18), but i am a bit discouraged by the quotes for car insurance that i have been given. I was told that car insurance for new driver's is about $3500 per year (and this is with a 40% discount for maintaining a 4.0 GPA). If i am put on my parent's insurance plan, it will still cost me $1100 per year (i have to make up the difference caused by adding me to their policy). Is this the normal rate for insurance for new driver's? Any other way to lower the cost? Any help would be greatly appreciated because i really want to learn to drive but the cost is so great...especially since i will be starting college next year.""

Turning 17 thinking of buying a car (Insurance Cover) [UK]?

Im going to turn 17 soon and thinking of buying a car and really want a BMW. I know I cannot get it because the insurance will be ridiculously high or simply will not insure me so I was wondering if I get a really rubbish car (1 litre or something) and get it Fully Comprehensive this should give me cheap insurance and the privilege to drive another car (so I heard) like my dads BMW and I want to know if this is possible for me and any background information about this will be appreciated!

How much would insurance be per month for a 17 year old driving a 2014 Mazda 3?

I am 17 years old and just graduated high school. I will be 18 in 5 months. I am looking into buying myself a new car. I know all of the responsibilities that comes along with buying a new car and talked to my parents about it. I did my research and I found that a new 2014 Mazda 3 is only $200 a month. Which I can afford. However, I was wondering how much insurance would be. I looked up a few quotes but I'm not sure how accurate they are. I was wondering how much other people were paying. Of course age is taken into consideration so it will be higher. However, if it will be too much I am planing on going under my fathers name since he is much older and clearly has more experience. So if anyone would like to help me out and tell me what they pay for insurance it would be very helpful! Thanks!""

How do I find out which insurance company I last held car insurance with?

My car insurance expired a year ago. I didn't renew it as I had a company car. I now have my own car again and need proof of my no claims. However, I can't remember which company I was insured with and can't find the old insurance certificate!""

Will a ticket for careless driving increase your auto insurance?

I was pulled over for speeding but fined for careless driving. My parents car is insured but I'm not on the policy. Will the insurance premium be affected? How long does it take for there insurance agency to find out about the points? (We have Allstate if that helps)

Are Companies Required to Offer Health Insurance?

Are companies with a certain number of employees required to offer health insurance?

How much does car insurance go up when a teen gets his/her license?? (geico)?

i have geico insurance and my teen is about to turn 16. i am wondering how much my insurance will go up when she gets her license. she has very good grades, as i know that helps lower it a little""

Teenage Boy Car Insurance.?

My 17yrs old son is about to pass his driving exam and then go through the pass plus test too. We were looking to buy him a cheep second hand car for about 500 but when it came to insurance we have been repeatedly quoted around the 3500 mark for third party.  Does anyone know where I can get cheep insurance for a boy?

https://www.linkedin.com/pulse/mercury-insurance-good-randy-gonzales/"

[unlikelydreamlandcreation-blog]

Pittsburgh Pennsylvania Cheap car insurance quotes zip 15286

"Pittsburgh Pennsylvania Cheap car insurance quotes zip 15286

Pittsburgh Pennsylvania Cheap car insurance quotes zip 15286

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

RELATED QUESTIONS: 

Best maternity insurance?

I was wondering what the best health insurance out there for maternity and child birth is? Right now I have pretty basic health insurance, as I am very healthy and don't need to go to the doctor often, but once I get pregnant (we're going to try in the next year or so) I plan on switching my insurance so that I'm paying the minimum out of pocket for all (or most of) those doctor's visits and labs, etc. What is the best provider/what type of coverage should I be looking for? How much did it cost YOU to have a baby (the actual medical bills) and how much should I expect to pay each month for my premium?""

Are there low-cost health insurance options for non-legal adults in California?

My neighbors are immigrants who have lived in California for over 22 years. They have worked and paid taxes since then. Unfortunately, they are still waiting to become legal residents. They have two children who are both U.S. citizens and whose health insurance is already cared for. They themselves pay for private health insurance that is nearly $1000/month. My neighbor recently lost his job and is no longer bringing in any income. Are there any low-cost health insurance options for them?""

Do you have to have car insurance?

like the car has liabilty, but i will soon get my liscense and i am wondering if it is required by law for me personally to have insurance.""

How will adding 40 million more people to the Health Insurance rolls improve Health Care?

But don't be misled. We know the status quo is unsustainable. If we do nothing, millions more Americans will be denied insurance because of pre-existing conditions, or see their coverage suddenly dropped if they become seriously ill. Out-of-pocket expenses will continue to soar, and more and more families and businesses will be forced to deal with health insurance costs they cant afford. David Axelrod Senior Advisor to the President Why suddenly focus on the insurance industry? If, as Axelrod says, the status quo is unsustainable .. How will adding 40 million more to the insurance rolls suddenly make it sustainable ? . How will adding to the costs of Insurance Companies decrease their costs? . How will doing nothing , and thereby sustaining the huge profits of the drug industry and the medical industry, reduce medical care costs to the average American?""

Advice regarding car insurance....I am new to it all?

Could someone please explain to me how the costs are decided, im aware the younger you are the more it will be (im 18 :/) but which cars fall into which category ? Any sites which will show me ? Also any advice on what is a good 1st car ? can anyone suggest a site where i can do comparisions regarding the car/insurance cost/insurance group etc because when i search nothing useful is coming up""

Are there low-cost health insurance options for non-legal adults in California?

My neighbors are immigrants who have lived in California for over 22 years. They have worked and paid taxes since then. Unfortunately, they are still waiting to become legal residents. They have two children who are both U.S. citizens and whose health insurance is already cared for. They themselves pay for private health insurance that is nearly $1000/month. My neighbor recently lost his job and is no longer bringing in any income. Are there any low-cost health insurance options for them?""

""If I buy auto insurance online from statefarm, how do i get my insurance card?""

Do I just print it out, or do they mail it to me? How long do I have to stay before I cancel without getting a cancellation fee? 6 months, a year? Is the final quote going to be the cost, or can they raise it immediately?""

""I am self employed and shopping for an affordable health/dental insurance, any ideas?""

I need coverage without spending a fortune every month, no pre-existing conditions.""

""Pregnant, unemployed and I need insurance?""

I'm 24, recently terminated from BOA due to a matter with an incorrect procedure. Meanwhile, I'm pregnant with my second child and unemployed. My husband is doing great for our family (we are a small single family living by ourselves). He's working and paying all the bills and then some. Where can I find some much needed health insurance for myself? Please advise. Thanks and God bless.. (I'm 24, african-american, non-smoker, not diabetic, don't have any std or sexual disease, and I'm healthy thus far. Please help) Located in Atlanta Georgia, USA""

Health insurance question?

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

How much will insurance cost me on a motorcycle around 4-5 k? (Motorcycle year 2005+)?

I am 17 years old, I live in Montreal Quebec, just got my car license and i have no criminal record or anything. I accomplished the car driving course and the motorcycle course. how much will I pay on insurance? I know its hard to answer but like the average/year? and do I have to take both side insurance or only one side? and will it be cheaper if I only take the insurance for summer time and not pay the whole year. and does any one have a good insurance company for me in Montreal. thank you.""

Question about cars and insurance?

I know that the cheapest NEW car to ensure is the VW Up costing around 1500 a year. But is there any USED cars that can match this insurance cost but isn't any older than 5 years? NOTE: The VW Up is in insurance group 1

Auto insurance for a 16 year old female?

*im adding some details i forgot to add last time, sorry for the question repost I was trying to do the online quote thing but i cant because its asks for a phone in order to generate the rates , and im most certainly not about to give them my phone number. No way jose.thats why im asking. -Im a 16 year old female -Dont have a license (yet) -im single -I would be driving a 2001 kia... i think sephia? Idk but it looks like a very basic car. -I have good grades -i have never gotten tickets or DUIS -I live arizona -I would only be driving to school which is approx. Seven minutes away fron where i live -I would only also be driving to work which is about 15 min away -I work part time So do any of u have an estimate??? Also please dont comment something irrelevant or pointless""

Would my car insurance pay out?

I was on the way home from work this morning after a 12 hour night shift at 7 in the morning on the m60 towards Bolton. A lorry driver in the fast lane needed to get across the lands and didn't see me in the middle lane so he hit the side of my car. The traffic was slow moving so it wasn't too hard a hit when when I looked at the damage it didn't look too bad at first just a bump on the side of my car and nothing to his so we didn't swap details, when I got home I realised it was worse than it was I've found a company that will fix it but will my insurance pay now? I'm with 1st central""

""Do professional race car drivers have life insurance and if so, how much does it cost?""

Do professional race car drivers have life insurance and if so, how much does it cost?""

""Im paying $1,000 every 6months for my car insurance, and im 19 years old.?""

Does anybody know of any cheap insurance companies that I can get a quote from? I really REALLY need to find a different company, because I cant afford that much. Please help! (I live in California if that helps)""

How much does car insurance cost if i wanna pay it every 6 months?

It would just be me on the insurance (Full Coverage).I also only want to lease cars.I feel it's better to pay insurance twice a year as oppose to paying for it every month.

Mice build nest in my engine. Eat lining out of hood heat shield. What can expect from insurance co?

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

Can I get car insurance from a country in the EU (but not in the UK) when living and driving in the UK?

I am looking for cheaper car insurance, I was wondering whether it would be cheaper to get insurance from an EU country, such as France, then drive in the UK. I am a young driver and have recently passed my test. Also is this legal?""

What does it mean for insurance to be underwritten?

I have a quote submitted to Hagerty Collector Car insurance and they told me that it is being underwritten, what does that mean?""

Whats the average cost of insurance for a 21 year old female?

Whats the average cost of insurance for a 21 year old female?

What is needed to become a homeowners insurance broker in California?

What is needed to become a homeowners insurance broker in California?

""California has had lawsuits capped at $250K for years now, and it didnt make rates go down one cent....?

....In fact they are still some of the highest in the Country. Can some conservative explain how this is so given their constant claims the 5% (!!!) of insurance company budgets that go towards lawsuits drive prices up?

Car insurance quote?

i want to go ahead with a car insurance company and i got a yearly quote online with them,as i want to pay direct debit monthly i phoned up to see what the monthly amount was with interest charged. i just want to check that this is accurate. the yearly amount quoted was 353.95 making it 29.50 per month . they charge 8.5% interest on any direct debit or credit card payment adding the 8/5% interest they then caluclated my monthly amount to be 34.81 yet it thought that :- 8.5/100 * 353.95 = 30.09 interest 353.95 + 30.09 = 384.04 total to pay 384.04 / 12 = 32 per month is this right? i know its only 35 per month, obviously im looking for the cheapest deal possible! but i just wondered why it was a different amount? help??? ta x""

What type of businesses that are good to call for all kind of insurances?

Like Health Care Insurances, Life Insurances, Employee Benefits""

Pittsburgh Pennsylvania Cheap car insurance quotes zip 15286

Pittsburgh Pennsylvania Cheap car insurance quotes zip 15286

Will insurance pay for a cracked windshield if it happened before I was insured?

I just purchased a used car, and there's a crack in the windshield, nothing serious, but whatever. How much would it cost me to get it replaced, and would by insurance company pay for it? lol (btw - its a 1998 Ford Explorer)""

Do I need to have insurance or proof of insurance when renting a car?

I'm planning on making a trip to Chicago. I have been wanting to go on a road trip for a long time. And I am afraid of taking a bus or going on a plane. A plane ticket costs a little bit too much for me. I'm 21. I currently do not own a vehicle of my own. So I am considering renting a car. I'm just wondering if I have to have car insurance in order to rent a car. I've never done this, so I have no idea what kind of things are required in order for me to rent. I've got my driver's license and a clean driving record. I don't have a line of credit. I don't have any credit cards so I hope there's no credit checks involved. Also, what's a rental car service that you would recommend? One that is cheap, honest, reliable, etc. My budget is $300. I'm going to meet a friend in Bartlett who is going to help provide me with lodgings so my only expenses to consider besides the car, are fuel and food costs. Thanks.""

Tell me Cheap Car insurance please!!!!?

im 25 got new car toyota 2010 Reaally need help with the GOOD car insurance? im having progreesive insucrance right now for which i pay 160 per month ...but i wanna know if there is ny cheaper car insurance but has to be RELAIBLE and GOOD one please? ALso if i can swtich to another car insurance easily and they refund my money? or its a contract for 6 months? Thank you so much in advance :)

19 year old needs cheap car insurance?

i need to get car insurance but i cant afford something too expensive, im 19 my car is a 1997 ford mustang coupe, someone help i have to find a place today! my parents arent helping i have to get it on my own.""

What car has the lowest car insurance rate?

I need the make and model of a car that has a pretty low monthly rate. And also im 18....it makes a difference in the price. sadan or coup. no suvs, trucks, van, or sports cars.""

If I buy a new used car will my liability insurance cover this one automatically?

I'm thinking about replacing my current car on which I currently have liability insurance through Progressive. There are two things I'd like to know that I've have trouble figuring out on their website. First, if I replace the car and now only have one car will the old insurance still be applicable to it? If so, for how long and is it equal in liability coverages? Second, if I keep the car I have now so when I buy the new one I have two cars then would the liability cover both?""

Anyone know of cheap car insurance for my 18 yr son thanks?

Anyone know of cheap car insurance for my 18 yr son thanks?

Individual health insurance?

I am currently shopping around for individual health insurance and just wondered if anyone had any helpful info in regards to different companies. Who do you currently have health/dental/vision/life insurance through? I have been looking at Blue Cross Blue Shield but I'm just not sure. I am engaged and will eventually want to add my future spouse, therefore needing a family plan. I know this will vary depending on what type of coverage we want and what we are willing to spend. I do not have a very large budget for all of this but do know it's important. Trying to find the best deal out there for an affordable price. Thanks for any helpful advice! :)""

What do you put on a car insurance quote when your penalty has expired?

i had a penalty for 3 years that ran out in 2008 but when i look for insurance they ask for any penalty for the past 5 years. Do i say yes even though it expired in 2008?

I will be 16 soon and I was looking at getting an 01-03 BMW M3. Any ideas on how much insurance would cost?

I live in Florida and I'm a new driver, also this will be my first car (if that helps with info about the insurance)""

What is the average price of car insurance for a Volkswagen gti mark 1?

First time driver soon and my mum promised to buy one for me as a first car

Renters insurance?

What is a good company to have renters insurance through, that is still pretty cheap?""

Do you have to have car insurance?

like the car has liabilty, but i will soon get my liscense and i am wondering if it is required by law for me personally to have insurance.""

Will private insurance companies still exist after Obama care is implemented?

will govt be the health insurer once Obama care is implemented

How much will my car insurance be?

R reg vw polo 999cc

Does anyone know anything about insurance?

just brought a car but im not insured on it yet as i only have a provisional license. Ive got my test the end of this month and this will sound cocky but i ave a feeling i will pass it ok. But if i get insurance now with a provisional license and pay it in installments, if and when i pass my test, Do people usualy have to pay the following 11 months of provisional insurance (at a higher cost) instead of the full license cost, do you get me? kinda confusing..but if you know anything about it from your own experience or something, wil you tell me what insurance people you r with so i can check them out..i live in ireland by the way so dont tell me about english companies please :) like eg.. my insurance is 1500e, i pay say 30e a week or something on a provisional license. opposed to: my insurance is 800e, i pay just 20e a week or something on a full license.. Do i still have to finish paying 1500e instead of 800e? i cant explain it anymore sorry if it not clear..? thanks x""

I want an insurance quote?

I want to the difference in insurance between a 93 v6 Camaro and a 93 Camaro Z28

Cannot get any fr44 insurance?

every insurance company says I need to give $4500 down as a lump sum because of my driving record... any advise im in florida DUI, PIP claim, 2 speeding tickets""

Which is the most inexpensive car insurance in california? please give me 2 or 3 names. cheapest car insurance?

Which is the most inexpensive car insurance in california? please give me 2 or 3 names. cheapest car insurance?

WHAT WOULD HAPPEN IF I DRIVE WITHOUT CAR INSURANCE AS WELL AS NO FULL UK LICENCE?

HELLO, ONE OF MY FRIEND WANT TO KNOW, WHAT WOULD HAPPEN, IF HE DRIVE WITHOUT CAR INSURANCE, AS WELL AS WITHOUT FULL UK LICENCE. HE HAS GOT PROVISIOAL LICENCE, JUST ASKING. HE NEVER DRIVE ANY CAR WITHOUT FULL LICENCE AS WELL AS FULL INSURANCE. JUST HE WANTS KNOW. WHAT WOULD HAPPEN IF POLICE CATCH HIM ON THE ROAD, I HEARD THAT POLICE WILL TAKE HIS CAR,SCRAP THE CAR, WHAT ELSE, WILL HE FINE OR PRISON? HE JUST WANT TO KNOW.""

What is the best car insurance provider for young drivers?

I have recently passed my driving test, and was wondering which car insurance provider is cheapest as most of them seem to be very expensive!""

How to make car insurance cheap as possible!?

im 17 and just passed my test and i need to get cheap insurance. i have a 1.0L 05 plate corsa and i need to get it on the road asap. its my aunties car she had given it me but wont let me use it till i get insured. i need help to make it as cheap as possible so please help!

Car insurance?

does your physical health affect your car insurance rates?

Car insurance for sport car?

I have 2005 Mazda RX8, want to give it to my teenager. My question is if it count as sport car or 4 doors sedan( it has 4 doors called suicide door). Can someone help?""

Are there any car insurance companies that wont force me to be on my parent's insurance policy?

I got my license 4 months ago and I have NEVER driven since getting it. Not even once. I don't drive. I ride the bus or my bicycle everywhere I go. I don't need car insurance. I don't want car insurance. I live with my parents and their insurance requires that they add me to their coverage simply because I have a license. Are there any insurance companies that don't require me to be on my parents' plan like this?

Pittsburgh Pennsylvania Cheap car insurance quotes zip 15286

Pittsburgh Pennsylvania Cheap car insurance quotes zip 15286

Whats the cheapest auto insurance in NJ?

Whats the cheapest auto insurance in NJ?

Insurance on muscle cars? Help Agents?

Hi, I'm considering getting rid of the 01 V6 Mustang and getting a new car. I currently pay $1300/yr for full coverage and $1000 deductibles. How much would the following cars be?..or please just rank them most expensive to least. My DUI is 7 yrs old and goes off in another 3. Driving record is otherwise clear. I live in the suburbs of SF California, drive about 10K a year. 1. 2011 Ford Mustang 305hp 2. 2011 Ford Mustang 400 hp 3 2005 Chevy Corvette 400hp (old guys car) 4. 2002 Corvette Z06 400hp, (old guys car but I'm afraid the Z06 will make it more than and 05 with the same HP) I'd love to get a V8! the v6 stang is a last resort! Good car...a little unsure of the new china made 6spd tranny in the mustangs?""

Will auto insurance rates go up if filing a Comprehensive claim in Texas?

I had windows knocked out and body damage done to two trucks by vandals, the vandals were identified and police report files and charges will be pressed. I carry $1000 deductable and damage was in the range of $2000 per vehicle. Any insurance claims adjusters want to comment? PS I havent called my insurance yet, cause I know just making the call will go down as a claim .""

What company has the least expensive auto insurance for young drivers?

Does anyone know of an insurance company that is reasonable with it's rates for a young lady driver with a good driving record but bad credit? Full coverage is needed on the vehicle. Thank you for your time and your answers.

Question about car insurance...?

Me and my partner are looking to buy a car. He is the only one who drives and so the insurance would be for him. We have noticed that all insurance policies ask whether you have any children under the age of 16. If the answer to this question is 'yes' it significantly increases the insurance quote. I am currently 15 weeks pregnant and so at the time we take out the policy we will not have any children. Would it be ok for us say no to the question about children as technically we wont have any? Thanks

How much would car insurance cost?

im 18 going to be 19 the car i was looking at cost 29,155$ so since im young how much do you think the insurance would cost?""

What's the difference between disability insurance and disability benefits?

What's the difference between disability insurance and disability benefits?

How much will insurance cost me?

I'm 20 years old. clean driving record. the vehicle is a 1993 civic hatchback CX. also i would like to put full coverage on the car. i live in south east wisconsin and i will be the only one driving the car. if anyone can give me a rough estimate or a website that can give me an estimate but i don't have to fill out personal info that would be great thanks.

Insurance on a moped (under 50cc)?

i am interested in buying a 50cc or less moped, geared or not geared, it doesnt honestly matter. but i dont have a clue how much the insurance for it could be. could anyone give me a rough estimation of the cost of insurance of this moped, as i am 16. can anyone help?""

Ripped off car insurance?

my daughter was a named driver on my policy she hit someones car and made 400worth of damage the owner of the other car had already got scatches etc on there car my insurance company was told of this i have just found out that 800+ has been made against me it looks like i have been ripped off surely this is fraud the 400 was a quote from a garage

No insurance for high school sport?

My school ask if you have insurance but doesn't clarify if you need it. So I wanna try out for men's volleyball... Which is next season. They ask for you to have a physical exam, and if you are covers or not by insurance. Say if you don't have insurance... Do they take that upon you and fail you in the tryouts? I'm good at the sport, so what if I don't have health insurance?""

2003 350z or new altima coupe? (insurance costs)?

I'm an 18 years old male. What's the smaller of the two evils and by approximately how much? The 350z would be the enthusiast trim and the coupe would be S trim. Both automatic

How many of you are paying around $200 for car insurance..?

if so what kind of car do you have..? i am trying to get a car pay it in cash and just pay for the car insurance..

How much would it be for a 20 year old male car insurance?

I am 20 , male in California driving a 2000 Honda civic how much will my insurance be ?? First time being under insurance . And please don't send me links trying to bribe me with your insurance . Please help""

Are there life insurance policies for seniour citizens?

Are there life insurance policies for seniour citizens?

Mexican car insurance?

If I drive into Mexico, do I need to get insurance for my car from a Mexican insurance company or is the American insurance valid there as well?""

Long-term care insurance?

Has anyone invested in long-term care insurance? Are you counting on that to get you through if you need help? I am fairly alone in the world and am considering this to help provide for my future if necessary.

What auto insurance company has the best rates for teenagers?

i live in ontario ca if that helps and i drive a 95 caprice

""I was charged dui + my insurance company doesn't know, should I notify them for $1700 coverage for road work?""

I was in an accident involving a highway railing but no other automobiles except my own. This was six months ago. My insurance company was not notified and as of now has no information regarding my accident or dui. I totaled my car and have gladly stopped driving as I live in a city and can bike, walk and ride public transportation. My question regards an outstanding bill I have for $1,700 to the state highways for repair to the railing I hit. Should I pay out of pocket? or file an insurance claim and have it covered as part of my property damage liability? I have heard the insurance company would increase my insurance rate for 3 years, but I don't plan on having a car anyway. I could use the $1700, however, I've come away clean thus far and am reluctant to bring this to my insurance company's attention if I don't have to, though it may be just a matter of time before the insurance company learns of the accident anyway. I have moved to a different state and have a different drivers license and plan on discontinuing my insurance at the end of the month when the policy runs out.""

Education in finance and insurance?

I am 43 and working as middle level executive in insurance.I would like to know about some advanced courses in life insurance and finance.

What kind of car for cheapest insurance?

I'm 23

""Got a dui in ny, how much will car insurance go up?""

OK so i recently was caught for a DUI in NY state , i am under my sister's insurance (geico) and the car is in my name....i want to know how much will the insurance go up even though my sister never had a claim and i am under her...""

""How do I get this auto insurance issue taken care of? Possible Law Suit, advice needed.?""

I originally had State Farm and was paying $232 for a Hyndai Tiburon, had a traffic accident for, Improper Lane Change, the other person did not file a claim, had to spend $500 to get my car fixed and $89 on municipal court fees. I was told that the incident, since I paid it in full and did not receive probation would not be held on my license, however it did make my insurance go up to $302, because of the deduct able, very understandable. This was in Ga. I moved to Ok. I looked at new insurance here and found one with Mercury Auto Insurance through a 3rd party company and received a quote for full coverage at $232 a month, so back down to normal price. They ran my license and everything, everything was fine, I even told them about the accident and they said that it would not change rates. Well, it did. I got my first statement and my bill was $314! I called up to the 3rd party company and they said that the insurance company charged my Improper Lane Change, as an Erratic Improper Lane Change, and as such it was classified as a traffic accident on my license and that's what made it go up. She said she would call me back, but she never did and I have been working so much, I haven't had a chance to call back. So here is what I need to know, and please no stupid insurance companies trying to solicit. 1. Who do I call in Ga. and have them dismiss those charges on my license and if they can't, how do I go about filing a lawsuit for illegal allegations after trial? 2. Who do I contact, when I have the proper information, the 3rd party company, or the actually insurance company....or both?""

""So my father has car insurace in Spring Valley , Ny which causes his insurance to be cheap...?

He wants to add me as a driver and Im 19 yrs old. I live in Brooklyn. Me and him have two complete different addresess. When he adds me should I give them my brooklyn address or it doesnt matter. Note that I dont want the different address the increase his insurance

Do you have double health insurance coverage?

My wife is starting a new job and she is already on my insurance. We are thinking of having her on two insurance plans (Blue Shield HMO and Blue Cross PPO). We want to do this because we get so many medical bills, despite already having insurance. Will the secondary coverage cover a lot of those? How does that work?""

Pittsburgh Pennsylvania Cheap car insurance quotes zip 15286

Pittsburgh Pennsylvania Cheap car insurance quotes zip 15286

Car insurance question? help!?

I am going to get my dad to be the main driver and me to be the named driver because it makes my first insurance 300.00 =] Which is cheap for an 18 year old! lol But an insurance company phoned up today and said if i did this i would not be able to drive the car, if i did i would be uninsured? That sounds wrong, i was thinking maybe he thought i hadn't passed my test? So would i be able to drive by myself with a full UK licence as a named driver on the car i own? Thanks""

Why are some people's health insurance rates going up?

I've heard a lot of stories about people's insurance rates doubling or tripling. My wife's insurance just went up. What's going on? I thought Obamacare was supposed to make insurance more affordable? http://www.foxnews.com/politics/2013/09/24/one-man-obamacare-nightmare/

In the state of california is it illegal to drive a car with out auto insurance?

In the state of california is it illegal to drive a car with out auto insurance?

I have pre-existing conditions & I'm 61. Where to go for health insurance?

I'm having a hard time trying to find health insurance. I have pre-existing conditions (take medication for a mild heart arrhythmia & for cholesterol) plus I'm on medication for depression. And I'm 61. I've searched the web without luck - insurance agents who've called me say my condition makes me Uninsurable. Either that or I'm contacted by scam artists. Does anyone have experience with the Health Insurance Industry & have suggestions on what company to contact? Or what insurance agents are reputable? I live in California. I welcome your thoughts & suggestions. Thanks!

What is better Subaru WRX Impreza turbo or Holden Commodore V8?

I am looking for a awesome performance vehicle with my following criteria: -Fuel Costs -Highway ability after 110km/h for overtaking at high speeds, comfort and handling? -Reliability and how often to service, how cheap parts are and how long engine is going to last? -Price on tyres -Price to get a WRX Impreza or V8 commodore (in manual) -Manual or Auto? -Insurance costs -0-100km/h? (well subaru better but after 100km/h?) -What mods to do if it is cheap or to just leave standard? My purpose is to use it mainly around town and sometimes/rare highways trips. mainly on the weekend a bit of a fun car. Please share your experiences and opinions on these 2 vehicles as would like to get a general picture of what there purpose is? 5 stars if answered the best with all the questions above.""

""Car insurance, help!?""

I'm 21, fully comprehensive insurance, new '09 plate car, my car insurance costs me about 300 per year. I am going away to Alton Towers next month with my partner and two friends and I was wondering what is the cheapest way of going about insurance to enable them to drive my car for the 2-3 day road trip down there and back. We want to split the journey between two of us as it will take about 6 hours there and 6 hours back so we were going to do 3 hours each there and back. We're taking my car as it's the only reliable one and the most spacious. The two people possible for driving is a 19 year old boy (im guessing the insurance will be way too high for him) and a 19 year old girl. They both have their own cars and their own insurance and have both been driving for 1 - 2 years. The girl will be 20 when we actually go down there but she is fully comprehensive on her dads insurance. What can we do? And please don't suggest I drive all the way as I've done it before and I said i wouldn't again as it was just too long to concentrate on one big stretch of road, even with a couple of stops. Thanks people! x""

Car Insurance?

What is the name of the car insurance I could get, that covers any one who drives my car but who is not on the policy? Thanks""

Car insurance first time driver?

Where would the cheapest place for car insurance be i am 18 and live in the uk my car is a hyundai accent 1.3 ltr Si coupe M reg and i have a drive way where should i go for best deals and what can i do to lower my premium .

Is Gerber Life Insurance any good for my daughter?

Is Gerber Life Insurance any good for my daughter?

How does health insurance work?

I'm completely lost on how health insurance works... and I'm finally starting to work and don't know what to do =/ so any information about it is greatly appreciated. thank you

What style of vehicles is cheaper to insure and which is body type more expensive?

Also, which insurance company is generally cheaper with SUVs such as a ford explorer?""

I need health insurance for my daughter?

I am a 70 % disabled military veteran looking for affordable health insurance for my daughter. Any suggestions?

Low cost healthcare insurance for kids?

Are there low cost healthcare insurance for kids other than Healthy Families? I had healthy families but due to sending my premium late, they disenrolled my kids. I am covered by my employer through Kaiser but there is a significant amount of money deducted if I cover them. Thanks in advance.""

How much is the license reinstated fee for suspension from no car insurance?

How much is the license reinstated fee for suspension from no car insurance?

How much (approx) is THIRD PARTY insurance on a small used car of value around $2500?

(in australia)

I was in a car accident that was not my fault. Does my insurance go up?

This guy in front of me backed into my front end at a stop light. We both got out and he tried compromising. I refused and called the cops and took down his plates and the make of the car. Good thing I did because he left right after I called. I think this guy may have been illegal he didnt speak english and was very eager for me to not call the cops. I felt bad but my car is really messed up. Is my insurance going to go up? If so how much?

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

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

What is a good health insurance?

I want to get insurance for me and my husband. I need an insurance that offer health dental and vision benefits. I have seen alot of insurances, but i want an insurance that gives me good benefits, not just discounts. Can someone please give me opinions about your insurance and what benefits they provide you?""

A question about state farm auto insurance?

If I plan on buying a car with two seats, I'm male and get ok grades, what would be the difference in insurance costs if I got a car with 4 seats?""

CAR INSURANCE!? LIBERITY MUTUAL?

ok so my parents haveLibertyy Mutualinsurancee covering their house, life, car insurance and some other things as a package throughlibertyy mutual. Anyways, I took driving school classes and passed. Its supposed to lower myinsurancee.I'mm turning 17 in October and my permit says i can get mylicensee on september 19. ( i got it late and in az you have to wait 6 months) Is there a way thatLibertyy mutual can insure me? I heard from one of there reps that they wont insure a new driver unless they've had theirlicensee for 6 months. Please help Also if i got a truck could i just insure it under my parents name even though they already have cars? or is it one car per person?""

Uninsured parked car got hit. Am i covered by their insurance? MASSACHUSETTS?

My car has been parked outside of my house due to no insurance. BUT it is still registered... In the state of MA it is illegal to not have insurance, especially on a car that I have a loan on. The accident was a hit and run, but the police found him and got all his information and he said his insurance will take care of it and he is taking full blame. I am wondering since i DO NOT have insurance, will i still be able to receive payment from his insurance company to fix my car?""

Questions about homeowners insurance?

I called my insurance company, and they said it wont cost anything if I add my girlfriend onto the insurance policy. My question is if I add her on and dont get additional coverage and something goes wrong. Will My insurance cmpany give me a hard time GOD for bid something goes wrong. For example if something gets stolen or my house burns down, will my homeowners insurance say that they wont cover my furnature or tv etc because they can say it is my girlfriends or will I be ok?""

How important is car insurance ?

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

Does your insurance go up?

If you park in a bus stop zone, in NYC, and get a ticket. Does your car insurance go up? What happens? I paid it off right away in like 2 hours, will there be something else?""

Can you add you unborn child to your insurance?

well, I would like to add my baby to my boyfriend's insurance (the daddy) can he do it now or we need to wait until the baby is born?""

Pittsburgh Pennsylvania Cheap car insurance quotes zip 15286

Pittsburgh Pennsylvania Cheap car insurance quotes zip 15286

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