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floreneiwlareedz10insurance-blog · 5 years

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Teenage insurance for 2001 Ford Escape? 2002 Jeep Liberty?

I live in Oklahoma. I live in city area. I most likely want physical damage insurance. No accidents or anything. I have a permit right now. I was in a car accident in 2009, I wasn t driving, but was injured badly. Yes I will be the principal driver. There is only one other driver in my household. I will just be using my car for school, work, and seeing my friends.

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

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its-lifestyle · 5 years

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Almost every night for several years, Marlo Dean has helped her son to bed, then stayed awake listening for the machines that alert her when his breathing is off.

She then rises before dawn, helping young Dante’ Herrera get ready for a new day. Most of his hearing is gone and he struggles to speak or walk.

Family members sometimes tell Dean they don’t know how she does it.

Her response: Dante’ is the strongest fighter around. How could she not sacrifice everything to help her youngest son?

“Dante’ is the love of my life,” she says. “That’s my buddy, my best friend.”

Dean knew something was wrong with her son when he was an infant.

Though three older siblings walked before they turned one, Dante’ didn’t take his first steps until he was 18 months old.

He was rambunctious though. So much so that physicians first thought he might have attention deficit hyperactivity disorder (ADHD).

It wasn’t until Dante’ was about two years old that a doctor mentioned a horrific possibility: That he might have a disease that affects his brain.

Years of inconclusive tests from different hospital systems followed.

Finally, when her son was six, Dean received a devastating phone call from Children’s Hospital of The King’s Daughters.

She was heartbroken. But both she and Dante’ found a new resolve.

For more than a decade, their mission has been to advocate for children everywhere like him who are fighting for their lives.

Teacher assistant Cindy Wheeler working with Dante’ on a modified tricycle during an exercise teaching about different kinds of energy at his school.

Inspired to fight

It was in elementary (primary) school that Dante’ first needed a wheelchair, though he could still walk. Now, he can stand with assistance, but primarily uses the wheelchair.

When he was younger, it was difficult to understand him when he talked, his mother says. Now at 17, he can speak, but expresses himself largely through gestures.

Dante’ depends on about 20 pills a day, and he visits doctors at least once a week. That’s in addition to nurses who help his mother take care of him almost daily.

Sleep is often a struggle for Dante’. When he is in bed, a machine monitors his vital signs. When it beeps, Dean checks on her son. She sometimes needs to drive him to a hospital.

Through the highs and lows, faith has kept her strong. “I’m going to take care of him because God gave him to me,” she says.

Eleven years ago, Dante’ was diagnosed with Batten disease – a common name for a range of rare, inherited nervous system disorders.

According to the US National Institutes of Health, it stems from a genetic defect that triggers a cascade of problems.

The progressive illness affects an estimated two to four out of every 100,000 children in the United States. Common symptoms include loss of vision and motor skills, seizures, dementia and abnormal movements.

Dante’ and Dean are doing their best to raise awareness and bring support to finding a cure for his rare and fatal Batten disease.

Many with the disease die in early childhood. Some may live into their teens or their 30s.

“Everything will slowly fail,” says Tracy Kirby, family liaison for the Batten Disease Support and Research Association.

This nonprofit organisation helps families deal with diagnoses and offers free admission into annual conferences, which serve as both pep rallies for emotional support and learning experiences.

It also connects them with needed equipment like wheelchairs.

People should treat children with the disease no differently than healthy youngsters because little ones who are ill recognise what’s going on around them, she says. “They know that you’re there,” she adds.

In addition to the regular symptoms, children may develop behaviour changes, learning difficulties, anxiety and trouble sleeping.

“I’ve spent many, many, many countless nights staying up watching over Dante’, unable to breathe or even get up and go to the bathroom without falling,” Dean says.

“It’s definitely an uphill battle.”

When Dean learned about her son’s disease, she decided she wasn’t going to let the crisis crush her or Dante’.

A short time later, she found out about an event in Washington about rare diseases. She didn’t have much time – the gathering was that week.

She didn’t have a hotel and hadn’t signed up, but decided to go. She set up a fundraising page, made a few T-shirts and took her son north.

“We were going to do something,” she says.

Dante’ and Dean met other families dealing with the disease. They came away feeling less alone. They were also inspired to educate people about rare illnesses.

PJ Caalim met Dante’ and his mother when they were all in Washington several years ago for advocacy work. Caalim has a son with a rare disease that causes the body to reject food.

Caalim saw Dante’ smile and couldn’t help but say hello. She quickly learned they lived near each other in Virginia Beach, Virginia.

Dean, 49, is a “Godly woman” who is always positive, Caalim says. That attitude and her determination do wonders when they’re raising awareness.

Dante’s positive attitude also helps, Caalim says. “It could be the worst day in the world and he’s still smiling,” she says.

Dante’ laughs as Dean jokes with him at home. His condition has slowly taken Dante’s ability to walk without help, along with some of his hearing and vision. — Photos: TNS

Raising awareness

Dante’ doesn’t get a lot of youngsters seeking him out and asking to play. But he likes video games, making friends and watching television.

He enjoys a good laugh when he watches his favourite cartoons SpongeBob SquarePants and Tom and Jerry.

In April 2019, Dean took Dante’ on a wild outdoor animal safari in Georgia for his 17th birthday. He pointed excitedly as the exotic creatures poked their heads inside the family’s van.

When the group passed a camel, someone joked about it being hump day. Dante’ let out a bellowing laugh. “He’s a party animal,” Dean says.

Dante’ recently finished his sophomore (second) year at Salem High School where he took visual arts teacher Amanda Smith’s class.

He is like other teenagers in a lot of ways, she says.

Smith, who coaches softball, brought her junior varsity players to a March event at the school that was raising awareness for rare disabilities.

She wanted them to see what some of their peers endure on a day-to-day basis.

As the season ran through the spring, players did their part by wearing denim ribbons that Dean had given out on their equipment bags.

Such acts go a long way for anyone with a rare disease, Dean says. “When you see Dante’ in the halls, guys, say ‘Hi’ to him,” his mother said.

At that March event, Dante’ stood to meet political dignitaries. He also posed for photos. Even as he struggled to force himself upright, he beamed.

That spirit is the epitome of Dante’, Salem principal Matthew Delaney says.

“Dante’ proves to all of us that each day is not only a great day, but it’s a gift that should be treasured,” he says.

Dante’ used to be a patient of Virginia Governor Dr Ralph Northam, who began practising paediatric neurology at Children’s Hospital of The King’s Daughters.

Dr Northam has declared June as Batten disease awareness month in Virginia.

Tears swell in Dean’s eyes when she thinks about Dante’s future. He’ll miss out on many typical youthful joys. He’ll never drive a car. He may never find romantic love.

But Dante’ is determined, she says. He can still raise awareness for rare disabilities just by being himself. And he is going to do that as long as he can.

“We fight and continue to fight on in faith,” Dean says. – The Virginian-Pilot/Tribune News Service

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blogwonderwebsites · 6 years

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Nature Teaching in the Age of School Shootings

Nature Teaching in the Age of School Shootings Nature Teaching in the Age of School Shootings http://www.nature-business.com/nature-teaching-in-the-age-of-school-shootings/

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On Jan. 23, three weeks into the spring semester, a 15-year-old sophomore named Gabe Parker brought his stepfather’s 9-millimeter Ruger handgun to Marshall County High School in Western Kentucky, opened fire on the more than 600 students who were milling about the main common area waiting for the morning bell to ring, then dropped his weapon near the auditorium and disappeared into the chaos he had created.

Teachers were the first responders. Before police officers and medics arrived, they gathered sobbing, vomiting, bleeding kids into the safest rooms they could find, then locked the doors and kept vigil with them through the stunned and terrified wait. They shepherded the injured to hospitals in their own cars. And they knelt on the ground with the ones who were too wounded to move, stanching blood flow with their own hands and providing whatever comfort and assurance they could muster.

For the history teacher Erin Mathis, those few minutes passed like hours. She was not in the commons during the shooting, but when the health teacher screamed that students had been shot, she and a few others found themselves running toward where the sound of bullets had been heard. Mathis, whose only medical experience consisted of candy-striping as a preteen, prayed as she ran. God, you are going to have to do this. Because I cannot.

Superintendent Trent Lovett was just walking into his office, a short distance from the high school, when Principal Patricia Greer called to tell him that at least one student was down. He jumped back in his truck and raced up the access road that connected the two buildings, calling his own freshman daughter along the way to make sure she was safe. When he arrived, he saw that several students had been shot and that each of them was being attended to by at least one faculty or staff member. They had no clue where the shooter was, or if he was coming back, Lovett thought. And they didn’t know if there were other shooters — or bombs or other weapons — in the offing. Hadn’t some mass shooters rigged their targets in advance with explosives? Police and ambulance were on their way, his own daughter was safe and the students who weren’t wounded had either fled or were hiding with other educators. So Lovett did the next thing he could think to do: He grabbed an aluminum bat from an abandoned bag of sports equipment and went looking for the teenage boy with the gun.

Parker had slipped into the weight room, where Rob McDonald, a gym teacher and baseball coach, was keeping watch over 75 or so other frantic students whom he had managed to shelter from the panic. Two of those students had been shot. Two others approached McDonald and, in a whisper, informed him that the shooter was among them. While his teacher’s aide went to call a school administrator, McDonald moved across the room as discreetly as possible, positioned himself right behind the boy in question and braced himself for trouble. If he moves, McDonald thought, I’ll floor him. Parker’s hands were tucked into his coat pockets. It was a winter coat, and McDonald could not tell if it contained a gun. He thought briefly about what he might do if he could reach his own gun, which was in the glove box of his car. But the truth was, he had no way of knowing if this was the right kid or not. It seemed incredible to him that a boy would shoot up the school and then hide with his own victims. He was still in doubt when police officers came to the weight room several minutes later and aimed their own weapons at the boy. Not until he heard those cops ask Parker where the gun was, and watched Parker answer calmly, without denying anything, did the truth finally sink in.

Lovett returned to the commons and took stock. The floor was slicked with blood and spilled beverages and littered with abandoned backpacks. Dozens of cellphones rang without pause. One staff member was tending to Preston Cope, a sophomore whose family Lovett knew well and who appeared to have been shot in the head. Cope’s phone was ringing, too, and for a split second Lovett considered ignoring it. The screen read “Dad,” and Lovett was not practiced in delivering such news. But he quickly thought better of that impulse, remembering how desperate he had been for information after one of his own children was in an ultimately fatal car accident. He answered the phone, told Cope’s father that his son was not O.K., then issued a quick string of instructions: Hurry. Be safe. Pray.

By then, medics were starting to arrive, and a tortured bureaucracy was being erected around the mayhem. Lovett and Greer set up a system to field incoming calls and deployed staff members to each hospital that was receiving injured students. In all, 16 students had been shot, two of whom would die: Preston Cope on the way to the hospital, and Bailey Holt right there in the commons. Holt’s parents were looking for her at the middle school, where students were being bused and where parents were being told to go. Lovett arranged for them to be taken to the meeting room in a nearby fire station and went with two officers to meet them there. They shouldn’t have to hear it in front of everyone, he thought. This time, though, he didn’t have to say a word. When the girl’s parents turned the corner and saw only Lovett waiting for them, they knew their daughter was dead.

For all the fear they inspire, school shootings of any kind are technically still quite rare. Less than 1 percent of all fatal shootings that involve children age 5 to 18 occur in school, and a significant majority of those do not involve indiscriminate rampages or mass casualties. It has been two decades since Eric Harris and Dylan Klebold ushered in the era of modern, high-profile, high-casualty shootings with their massacre at Columbine High School in Littleton, Colo. According to James Alan Fox, a criminologist at Northeastern University, just 10 of the nation’s 135,000 or so schools have experienced a similar calamity — a school shooting with four or more victims and at least two deaths — since then. But those 10 shootings have had an outsize effect on our collective psyche, and it’s not difficult to understand why: We are left with the specter of children being gunned down en masse, in their own schools. One such event would be enough to terrify and enrage us. This year, we had three.

Teachers are at the quiet center of this recurring national horror. They are victims and ad hoc emergency workers, often with close ties to both shooter and slain and with decades-long connections to the school itself. But they are also, almost by definition, anonymous public servants accustomed to placing their students’ needs above their own. And as a result, our picture of their suffering is incomplete.

[Watch educators as they tell us in their own words about what it’s like to to teach in an era of school shootings.]

We know that the trauma that teachers experience after a school shooting can be both severe and enduring. “Their PTSD can be as serious as what you see in soldiers,” says Robert Pynoos, co-director of the federally funded National Center for Child Traumatic Stress, which helps schools coordinate their responses to traumatic events. “But unlike soldiers, none of them signed up for this, and none of them have been trained to cope with it.” We know that teachers who were least able to protect their students in the moment tend to be especially traumatized. “For teachers, the duty to educate students is primary,” Pynoos says. “But the urge to protect those students is deeper than that. It’s primal.” And we know that their symptoms can include major sleep disturbance, hair-trigger startle responses and trouble regulating emotions.

But we don’t know much else. Researchers have calculated the rates of PTSD for a host of other traumatic experiences, estimating that it affects up to 20 percent of combat soldiers and 40 percent of rape survivors. But we have no analogous statistics for educators who survive school shootings, nor any sense of how such an experience — not to mention its hyperpoliticized, media-frenzied aftermath — might affect their ability to teach or their long-term career trajectories. “Those are important questions that really need further study,” Pynoos says.

In the meantime, teachers who survived shootings are doing what they can to fill in the blanks themselves. Paula Reed, an English teacher who once taught Dylan Klebold and who retired from Columbine this spring, says that she and her colleagues reach out to schools after every incident — “Columbine always calls,” she says — to offer support and answer whatever questions they can. The questions, she says, are always the same: How long until I feel better? Will I ever be able to teach again? When will I get my old self back? Reed tries to tell the teachers the things she wishes someone had told her, starting with the fact that it takes years — not weeks — to recover. “You’d be surprised how many people don’t get that,” she says. “Six weeks after Sandy Hook, some parents and spouses were already asking why the teachers weren’t better yet.”

For years, she and a few others had these conversations through an informal network. A shooting would make headlines, and they would contact the school directly, or teachers would come to them independently, seeking perspective and guidance. This year, Reed created a private Facebook page specifically for fellow educator-survivors. It has 62 members so far. “This was my last year teaching,” Reed says. “And it was, sadly, filled with school shootings.” Four weeks after the Marshall County shooting, a former student killed three educators and 14 students and wounded 17 others at Marjory Stoneman Douglas High School in Parkland, Fla. And three months after that, another school shooter, in Santa Fe, Tex., killed eight students and two teachers and injured 13 others.

In the aftermath of those events, politicians, policymakers, health officials and entrepreneurs have proffered a litany of solutions to what is now commonly thought of as the school-shooting problem. Among other things, schools have been advised to teach teachers to use tourniquets; ramp up active-shooter drills; get rid of active-shooter drills; ban backpacks; make backpacks bulletproof; teach teachers to teach compassion. Forget compassion, teach them to use guns. Forget compassion and guns and teach them how to identify budding psychopaths before they blossom into murderers. For the teachers themselves, each demand brings its own implicit expectations and its own fresh roster of uncertainties. Should they be prepared to take a bullet for their charges? To shoot one student for the sake of protecting others? Is it their job to prevent these things from happening in the first place?

Regular coursework was quasi-suspended after the Marshall County shooting, but the teachers still had lessons to impart. Jenny Darnall and Kelly Weaver, who taught English and history, respectively, wanted to make sure their students took stock of the kindness enveloping the school. Look at the banners and letters and cards pouring in from across the country, they told them. Look at the comfort quilts and comfort dogs and comfort food. See the fellowship in it. And remember: When the time comes, you will do the same for others.

Cory Westerfield, a teacher of algebra and German and the girls’ track coach, was adamant that his students not live in fear forever. When the starting pistol sent one of his star athletes into a panic, right as she was preparing to do the triple jump, he coaxed her onto the field, gently but firmly. “You’re going to walk down there really, really slowly,” he said, pointing to the other side of the field. “And then walk back really, really slowly.” Living in fear was not really living, he told her. It was just existing. And he wanted them to do more than just exist.

The teachers were harder on themselves, though. They, too, had meltdowns: in rushing crowds, at airports, when they were momentarily separated from their own children. They sometimes berated themselves for these reactions, aware that others around them had been through much worse. Westerfield thought of Mathis’s getting literal blood on her hands and felt ashamed of his own tears. Mathis thought of other teachers — who, after the E.M.T.s took the most severely injured away, followed the trails of blood to other students who needed help — and despaired that she had not gone with them. Kelly Weaver thought of her own children and how, at the end of the day, she could still go home and hug them.

What troubled Westerfield most was that none of them had seen it coming. After two decades of teaching, he considered himself a skilled reader of teenagers. He liked to think he could tell when something was bothering one of them just by how they walked into his classroom. But with this boy — this shooter — he had detected nothing. Parker sat in Westerfield’s German class for two school years in a row. He could hold an adult conversation. He had friends. He was making decent grades. And, as far as anyone could tell, he was not being bullied. (Parker’s trial date is pending, and in the absence of a plea from his lawyer, the judge in the case has entered an automatic plea of not guilty.) If a boy like that could suddenly turn murderous, then in theory, any one of their students could do anything. Whom could they trust — how could they trust — after something like this? And if the answer was that they couldn’t, what then?

Jenny Darnall decided to re-evaluate her understanding of what it meant to be a teacher in the first place. She had never been particularly compassionate with the students. The way she saw it, her job was to educate them, not give them advice they should be getting from their parents. But now, she felt as if God were telling her to step up and do more: Call parents more and tell them the hard truths she might normally expect them to discover on their own. Talk to the kids more too. Tell them that they are loved, even when they’re being terrible. Those things did not feel like part of her job. But maybe now they would have to be.

The school’s culinary instructor, Amy Cathey, was uncertain about these shifting boundaries. A few students had called her seeking practical advice about how to navigate their trauma outside school — for instance, how to tell their own parents that the prospect of lighting fireworks terrified them. Cathey didn’t mind the calls, or the questions. But she wondered what would happen when she wasn’t there. She worried about the graduating seniors. And she dreaded returning to anything resembling those eight or so weeks after the shooting, when it felt as if she took care of everyone except herself. She loved her kids. But she also knew herself, and she knew she couldn’t sustain that anymore.

In May, Marshall Strong signs were still everywhere; they wobbled in people’s front yards, hung from doors in floral wreaths, peeked out the back windows of cars. There were even some billboards still up along the highway. Some of the teachers had grown weary of these signs. They weren’t over what had happened, of course. But they were ready to will themselves into the next phase of recovery, whatever that might be. This was a tricky place to be, in part because not everyone reached it at the same time. Westerfield waited until the school year officially ended, and not a second longer, to take the Marshall Strong sign out of his own yard.

But Mathis couldn’t bring herself to take the Marshall Strong bracelet off, and her husband was worried. They lost a pregnancy early in their marriage, and he remembered how afterward she refused to remove the hospital bracelet; doing so, he suspected, would somehow make the miscarriage real to her. He worried that the Marshall bracelet was having the same effect — facilitating a denial that would ultimately keep her from moving on. She managed to tuck the bracelet away in a drawer by summer, but even then, a part of her wanted to put it back on, as if by doing so she could unmake the entire nightmare.

One weekend in July, Cathey drove from Kentucky to Colorado, to meet Paula Reed in person. The women had connected on Facebook, and had been texting and emailing for weeks. If the trip sounded crazy to outside observers, it made perfect sense to Reed. Driving cross-country with a small child in tow was a great way to distract a traumatized brain. Over breakfast at a diner, the two women reviewed the map of their shared reality. The terrain was deeply familiar to Reed but still painfully new to Cathey. They took turns pointing out various landmarks and junctures — the last funeral, the first school shooting after yours — and nodding in emphatic relief. Yes, that happened to us too. Yes, we had the same problem exactly.

From the inside, a mass shooting can feel distinctly unchartable. But Reed — and Pynoos, and Melissa Brymer, his colleague at the National Center for Child Traumatic Stress — say that while each school shooting is different in its particulars, several features are common to all. For example, Brymer says, it can be the secondary trauma that undoes a school’s recovery. “After a shooting, everyone wants to talk about how to find the next shooter so that this doesn’t happen again,” Brymer says. “But that’s not what the school itself needs to focus on. We’ve had suicides, car accidents, overdoses.” For a school that’s already traumatized, she says, these follow-up events can be incredibly devastating.

Brymer advises schools to conduct mental-health screenings before anniversaries, to find the people who are struggling most and help them. The hierarchy of hurt can split in surprising ways. For the most part, people closest to the carnage are the most traumatized, and people farther away are less so. But any teacher might be plagued by any number of things, including what they saw and how they responded in the moment. One educator might flee the building in a panic, leaving his students behind, only to be devastated by guilt afterward. Another might behave heroically, then seethe with resentment over not getting enough recognition. Each will need counseling and support to fully recover.

A common lament among educator-survivors is the way that personal boundaries shift within the school community. Abbey Clements, who taught second grade at Sandy Hook, says that after the shooting, she would take her entire class to the bathroom at the same time, so that no one would have to leave her sight. But as they drew their students close, she says, she and her colleagues distanced themselves from one another. “You’re afraid that if you start talking about your own trauma, you might trigger someone else’s,” she says. “You’re also afraid of looking weak or unstable, afraid you’ll be asked to leave or take leave if you admit how much you’re struggling.”

As a result, many teachers bury their fear and anger and guilt, until it changes into something else entirely. The question of where to erect a memorial, or when to take one down, can create fierce divisions. So might similar questions about how long to allow comfort dogs on campus, or what to do with the mountain of gifts and condolences that pile up. Students may come close to blows over whether to discuss the shooting during class time. Teachers may feel close to doing the same. “It’s not all ‘Kumbaya,’ ” Clements says. “When the system is cracked by a trauma of this magnitude, a lot of stuff leaks out. It gets messy. And it can change relationships.”

The job itself also changes. Reed spent the rest of her career vaguely wary of all her students. “You still love them,” she says, “and you still bond with them. But you never again feel certain that none of them would ever kill you.” Even teachers who love what they do may think about doing something else. “If your bank got robbed while you were in it, you would never go to that bank again,” Clements says. “But with this, you have to go back every single day.” And leaving is not as easy as it sounds. Relocating can cost hard-won seniority and the salary that goes with it. And separating yourself from the people you just survived a shooting with can be excruciating. “They’re the people that trigger you most,” Clements says. “But they’re also the only ones who understand what you’re going through. Because how can anyone understand this that hasn’t been through it?”

Since the Parkland shooting, at least 14 states have introduced measures that would enable educators to carry firearms on the job. The idea itself is not new; we’ve been debating it since at least 2006, when a gunman killed five children in a one-room schoolhouse in western Pennsylvania. But as the proposed measures indicate, lawmakers seem to be considering it with renewed urgency. Teachers have largely resisted this call to arms, pointing out that it would alter the student-teacher dynamic in irrevocable ways. “My job is to educate and nurture students,” Mathis says. “How am I supposed to then also be prepared to shoot one of them?”

Matthew Mayer, a professor of educational psychology at Rutgers’ Graduate School of Education, says that among experts the best solutions to school shootings are not really in dispute: basic gun control, more and better mental-health services and a robust national threat-assessment program. We also need to help educators create an atmosphere where students who hear about a potential threat feel comfortable sharing that information with adults. (Many student shooters, including Gabe Parker at Marshall County, hint about their plans to at least one other person or tell them outright. Getting those others to inform teachers is one of our best options for preventing shootings from happening in the first place.)

In February, Mayer and his colleagues circulated an eight-point document titled “A Call for Action to Prevent Gun Violence in the United States of America,” which summarized these and other key actions needed to reduce the risk of school shootings. So far, 4,400 educators and public-health experts have signed it. But political will is still missing. “We keep revisiting the same conversations every five or six years without learning or changing much of anything,” Mayer says. “Armed guards and metal detectors make it look like you’re doing something. You get far fewer points for talking about school climate and mental health.”

The Marshall County school district banned book bags, installed metal detectors at the high school and hired four additional resource officers (armed deputy sheriffs). But Superintendent Lovett agrees that much more is needed. “We’ve made ourselves a fairly hard target,” he says. “But truthfully, can I sit here and guarantee you that it’s never going to happen again? No, I can’t.”

As summer waned and the new academic year approached, some Marshall teachers were feeling torn. Mathis found that while she was not afraid to return to work herself, she dreaded sending her own children, ages 6 and 10, back to their school. She knew that it was safe, and that they would be just fine. “I know nothing is going to happen there,” she told her colleagues. But she could not stop the next thought from coming: I thought nothing would happen here.

Before the shooting, Westerfield always said he would quit or retire early if something like this happened. “I’m not dying on the job,” he would quip. But returning felt like a sacred duty. How could any teacher who might replace him possibly understand what his students had been through? For that matter, how would any other school district understand what he had been through? At the same time, though, he was weary with grief. “There’s this thing inside each of us now,” he said. “We’ve lost something that we can never get back.”

For Superintendent Lovett, who graduated from Marshall some 35 years ago, it came down to the simple fact that times had changed. Back then, as many kids as not had hunting rifles in their trucks, and no one ever brought a gun into the building. But, he thought, it was the lot of educators to serve as a constant, for both their students and the wider community. In four short years, every kid who survived the shooting would be gone from the school. For the most part, faculty and staff members would remain. They helped their students through the shooting and its excruciating aftermath. And they would be there this fall to see them through the year that followed. “Students eventually move on,” he said. “Educators really don’t.”

Read More | https://www.nytimes.com/interactive/2018/09/05/magazine/school-shootings-teachers-support-armed.html | Jeneen Interlandi

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Nature Teaching in the Age of School Shootings

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[Watch educators as they tell us in their own words about what it’s like to to teach in an era of school shootings.]

Read More | https://ift.tt/2LZ9QOD | Jeneen Interlandi

Nature Teaching in the Age of School Shootings, in 2018-09-09 22:43:27

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Nature Teaching in the Age of School Shootings

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[Watch educators as they tell us in their own words about what it’s like to to teach in an era of school shootings.]

Read More | https://www.nytimes.com/interactive/2018/09/05/magazine/school-shootings-teachers-support-armed.html | Jeneen Interlandi

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My car hydroplaned and hit a guard rail last week, I made a claim since the car was totaled. I had to be rushed to a hospital, and all is well now. Should I use health insurance or PIP coverage to pay for medical bills.""

What is an affordable health insurance in N.J for my employee? i own a small business with one worker.?

Is there dental insurance with the Affordable Health Care Act?

I just bout 2 motorcycles and I am looking for a cheap place to get insurance through... Any suggestions??????

It's a 2007 yamaha and a 2005 suzuki, and I'm not getting anywhere with these insurance quotes. They are outrageous!!!""

Motorcycle Insurance?

I am about to buy a 125cc motorbike in the UK. m in my late 20's and have a secure job. What is a good insurance company to deal with and what sort of quote should i be expecting? I have the usual security for my bike, smartwater, thatcham approved chain and disc brake lock. The best quote I got online on a CBR125 was 450. Is that about right or is thre anyone out there paying a lot less, for fire, theft and 3rd party insurance""

How much does health care insurance cost in America?

Im planning on moving to America with my 2 children to live with my boyfriend, can anyone tell me how much health insurance costs?""

""Can I own a car, but be covered under my mom's insurance policy?""

Im 17, and I live in Indiana. Right now I own a car, but the title is in my mom's name, and I am insured as the only driver of that car under her insurance policy. Can ...show more""

Car Insurance?

How do you determine how much insurance your should carry without over or under insuring yourself?

Is a life insurance that terms at age 95 a good one?

I just reviewed my life insurance and saw that it termed at age 95..I'm not sure if that is good or bad...please help!

How much will a used SlugBug Convertible cost me in the state of Ohio?

I turn 16 in January 2011 and I want the car by August 2011 so in about a year and a couple months from now! How much with the car cost me to pay all up front or how much will it cost me monthly if that sounds better! How much will insurance be per month? How about Gas? All answers are appreciated and Im willing to buy 2003 to 2010 but the price range for the actual car has to be no more then 5 to 6k ? I also want to know if you think Im going to have to get a loan. . . thanks everyone!

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 is the best way to find cheap auto insurance in california?

Car leasing and insurance question?

Okay, so I'm 20 years old and in need of a new car. I'm looking towards leasing the 2013 Honda civic. The car itself is going to be under my fathers name, since he is the one who will be taking out the loan, however I will be the actual driver. However, my mom is the one who has taken care of my car insurance for the last 3 years. I am listed as a driver on her policy. I've heard that the person whose name is attached to the car MUST have the car insured in their own name, but my parents are MARRIED and my mom takes care of the insurance. Is it possible for me to have the car in my dad's name, and the insurance in my moms? Thanks in advance for your help !! I sincerely appreciate it.""

Does full coverage insurance replace your car if totaled?

How much do insurance companies pay you on a vehicle if it is totaled? how much it is worth or how much you paid for it

""Can you explain car insurance system in the UK, how it works?""

It is illegal to drive without a valid car insurance. I am unable to get a single quote for car insurance, what am I doing wrong or where is the catch? I am a new driver, have a provisional driving licence for a month. The car I want to buy is a large Mercedes S class (5-litre engine) that cost ca. 15K (I have my reasons). Why they would not insure me if I only want the THIRD PARTY LIABILITY cover (the minimum required by law)? The insurance company does not risk paying for my luxury car as third party cover does not cover the car, is that correct? My circumstances that I put in online forms: I am 26, UK resident for 3 years. The car would be bought and registered (and probably insured) under my mum's name, she is an EU national, has EEC (non-UK) driving licence for 20 years and is resident in the UK for 3 months only. I would need to add myself as a second driver... No company would give me an insurance quotation, do you know why? When I change driving licence in forms from provisional to full UK the result is the same (also no quotes at all). But when I change the car to e.g. a small Focus or similar, no problem, cheap insurance available and dozens of quotations are appearing. Are new drivers not allowed to drive luxury cars? HELP!""

Any life insurance policies for someone who is 84?

Why would they insure that age, you ask. I dunno. Do they?""

""Insurance rates for a 1996 Ford Crown Victoria in Chattanooga, Tennessee?""

My next car, just need to know the insurance. Asking you guys might prevent me a whole lot of hassle and harassment from the insurance companies.""

What car insurance has the best deals with teen drivers?

I'm 18 and a good student. I want to use the car for school and college. I will probably be putting 10k miles a year. how much will my insurance be? what company has the best offers for this? thanks

17 Year Old Car Insurance?

Hi, I'm 17 male - just wanted to know how much would the insurances be if i bought a 1.2car""

Can someone please help me with a question about affordable health insurance? Please some info?

Where could a 56 year old female find some legitimate affordable health insurance? I would appreicate any advice you could pass along. Thank You so Much!!

Which cars are the cheapest insurance wise? (england)?

I wanna get a car as soon as i'm 18, so i obviously want something which will have cheap insurance. Nothing embarrasing mind.""

What kind of medical insurance can an unemployed 19 year old get?

I am 19, currently unemployed and i am living with my mom. I go to the doctor often but we are becoming pretty broke. What medical insurance can i get that can lower the cost of doctor visits and prescriptions. Ive already tried medi-cal but i have a share of cost for some reason.""

How much can we expect to get from insurance for replacement of car door?

Our 2003 Hyundai Sonata got backed into recently. The lady hit the front passenger door and smashed it in. It still opens, but sounds awful when it does, and the window doesn't work right (power window). She had Farmers insurance, and I've heard bad things about them, but we're gonna get an estimate from different auto body shops around town. How much can we expect the insurance to pay out for this damage?""

How much car insurance should I get?

I live in California and wanted to try to save some money on my car insurance. I want to get enough coverage in case I am responsible for a major accient. Any recommendations on the following? Bodily Injury and Property Damage Uninsured/ Underinsured Motorist Uninsured Motorist Property Damage Medical Payments Thanks!

Is Globe life insurance any good?

I requested info from them, and after looking at their brochure, I think I would like to sign up for it. Is it really any good??""

https www.itravelinsured.com travel-insurance-quote consumer agentno 1973

How much might will I pay for insurance at 25?

I'm 25 years old and I will be getting my liscense soon, How much could I expect to pay for car insurance as a first time liscense holder? I understand that 25 is the magic number for the costs to go down, but how will just now having my liscense affect my cost?""

""If my mum is insured to drive my car, does she still need insurance on her car?""

My mum has been driving for 30 years and she currently has her own car with fully comp insurance. I have just bought a car and want to go under my mums insurance. If I do this, can she cancel the insurance on her car and still drive it (if the cover has a policy that says she is insured to drive any car). In other words will her fully comp insurance cover her on both cars? If not if there an option to add another car onto the policy without having to get a completely different quote? Thanks for your answers""

""Does mercury auto insurance, offer motorcycle insurance?

Im about to buy a motorcycle. If not do insurance companies insure bikes with a salvage title?

Do you think aero upgrades will cause my insurance to go up?

I live near Virginia international raceway and wanted to add some aero upgrades for my car. I also want to lower it and get performance brakes. Do you think this will increase my insurance greatly? I can't call until tomorrow but I'm just curious what others think.

""Looking for auto insurance, do I need to report an accident?

I was driving a friend's car and was involved in an accident. I was not at fault and no ticket was issued. My friend's insurance paid for the damage on the other car. Do I need to report this accident while shopping for car insurance or can I leave it out? I live in California and was required to report the accident to the DMV even though I was not at fault.

Cheap health insurance?

anyone know of any cheaper health insurance (maybe like $ 50/mo) i am a single student.

""I'm 21 with the Gerber Life Insurance policy plan, should I continue?""

I got a mail indicating that I am not the owner of this policy (my parents started this for me when I was young). So I have a few questions, now that I am 21, do I have 10,000$ worth of life insurance for the rest of my life (without having to continue paying?) Why would I want to continue paying if this is just here as insurance in case for my burial costs.. isn't 10k enough for that? If I stop paying will I still have this 10,000 dollars in life insurance, or am I being forced to pay in order to keep it?""

CAR Insurance in US?

I met an minor accident last days and some ho cop thought fault is mine. The estimate of other car is $ 687 and I have yet to receie one. If i ask my insurance to pay this (I hae full coverage) will my pemium increase next time even if I changes the insurance company. As it was reported by police, does it definately reflect on my CAR history - CAR FAX Report?""

Can anybody give a good estimate on how much my insurance would be for me driving a 2002 ford mustang?

Im 16 years old and i'm a girl if that matters. My mom will not let me get one but I really want that to be my first car. Also can you give me some ideas to convince her to let me get it. I really need the actual price of how much the insurance would be.

What is the difference between being forced to buy auto insurance and being forced to buy health insurance?

From my understanding: People have to buy health insurance so that if people get sick/injured, other people won't have to pay for them. Medical bills are very expensive so that's why people have it. And if a patient doesn't pay their medical bills due to not being able to afford it they will be treated anyway because of the Emergency Medical Treatment and Active Labor Act. The health insurance companies will compensate for this by raising insurances rates of the insured. Having car insurance is so that if a driver causes an accident that driver's insurance can pay for the victim's damages. But if an uninsured driver hits an insured driver, the auto insurance company is allowed to raise the insured driver's rates. The reason for this is because the insurance company has to pay for their insured driver's car because there is no on else to pay up, and sometimes even they raise rates because they believe the insured driver is purposely putting themselves in situations to cause accidents. And it is a fact that unless a person lives in a major US city such as New York City, driving a car is a necessity. You need a car to be able to function in a non-metro environment without a car. The only time a person should have their driving privilege taken away unless they hurt someone. So the point is if another person doesn't pay into either health or auto insurance. The people who do pay lose. Because their rates increase. I don't see any significant punishment for people who do without either insurance. Because I know illegal immigrants pull stunts like these all the time. So I just don't see how their different.""

What is the average home business liabilitly insurance monthly premium?

This would be an internet based business run out of my home, with $2000 in sales a month.""

Could any Teens with sports cars tell me how much there insurance in under there parents name?

Can u tell me the Cost of your insurance and the car u have to help me get an idea of how much a Teen boys sports car would cost when it comes to insurance? Oh and does anyone know if the 177hp solstice would have lower insurance then the 350Z?

Can a Home Mortgage Company insist you paint your house?

My mom receieved a letter from a mortgage company stating she needs to make 3 repairs to here house. (paint the outside, fix trim around door, repair soffet) They also said they would drop her in 30 days if not corrected. HELP.... Is this legal? I may also say my mom put a claim in last year with them and they (insurance co) had to repair a canapy for 2k.""

Average Car insurance in NY? I feel like I am being ripped off?

I understand age , tickets , and car type are all variables. I Have a 3 year old new car from 2010 *just a normal 4 door sedan* and the insurance seems VERY high... I am 22 years old and was curious to know what a good price is out there in the NY area""

At what age will my car insurance go down?

im 19 now with a clean record.

Car insurance costs...bmw vs. acura?

which is more expensive to insure?

Car insurance increase...?

My regular insurance (just liability) is $70 a month. but I just bought a 2001 audi s4 and am adding collision to it. i guess you could say its a sports car because its fast, but its still a sedan. any idea on how much my insurance will go up?""

How long before insurance goes down?

I know teenage insurance is really high so when does it finally go down? After an accident ur insurance goes up, how long will it take for it to go back down?""

Important question about auto insurance?

could anyone help me with this, i am a 22/m living in nyc, i want to get an affordable auto insurance cost for 6 months and a year. what does it usually run? what is the cheapest i ...show more""

How much does it cost a month to insure a 2002 Acura RSX Type S in NJ?

if you have a rsx type s can you tell me how much you pay and how old are you. So i want to get the 2002 acura rsx type s im going to be 17 but im going to put the insurance under my dads name and ill just be a liability on average how much do you think it will cost?

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

""How much is PPD rating schedule for %13 lumbar spine discs and knees, If my insurance company was putting me?

on Permanent Disability and my company Laid me out because of my limitation of to work? How much the insurance company has to pay me for my injury and disability?

Average health insurance costs?

I pay $69.70 for health insurance every two weeks from BC/BS. My co-pay is $25 per visit to the Dr. $60 for urgent care, and $100 for a trip to the ER. I realize that this is not a comprehensive listing of everything I get with the policy, but is there a way to find out if this is around the average that most companies offer their employees on a group plan? Thanks in advance for any insight.""

What health care insurance I can get that is affordable?

I need health insurance. And I can't afford it with my pay checks. I work part time. I have research over and over for health insurance. And nothing that I can afford comes up. So please help.

How much would my insurance cost?

hi i am 18 and looking for a vauxhall corsa the old one or a ka the old version i wanted to know from my age and the car on average how much would my insurance cost a month i am from england so could you tell me in pounds please p.s. i know it depends on a lot more things but it will be my 1st car could anyone please give me an average thank you

https www.itravelinsured.com travel-insurance-quote consumer agentno 1973

How much is insurance for a 17 year old in NY???

I'm thinking on getting a honda prelude 98-2001.

Do you think health care should be more affordable? If you answered yes....?

Does that mean you support Obamacare??? The Dems and THEIR pollsters say yes....... That's the only way the White House can claim that 66% of Americans support Obama's ...show more

Need help on car insurance for young driver?

Hi! I've been struggling to get a good quote for car insurance for a while now. I tried all the big name comparison sites and every one is quoting me 4k (monthly installments). I opted for third party and theft, i am 22 years of age and my postcode starts with sl1 (slough) and i got pass plus and had my licence (manual) since march 2011. I got my car already its a Peugeot 206 1.6l petrol manual 1999 3doors. If you have time you can try for yourself with the above details the quote is freaking too much. Is this just how it is or am i doing something wrong? If you can point me to the right direction that would be amazing!!""

How can i get car insurance restore?

This what happen i went away from vac and i left my family member money to pay for my car insurance and they didnt do that. Is there a way for me to get my car insurance restore back on. Dont care if i have play plenty or anything but just want back on.

Cheap Auto Insurance in FL?

I'm 19 years old and I got my license in Sept of 06 (almost a year) My insurance is REALLY HIGH! By myself I am looking at around 700 a month (my car is Fianced, 04 Mitsu lancer ES) so I am put under my 22 year old boyfriend insurance. With his 02 Audi A6 and my car, we are paying 495 a month. (South Florida) (Esurance is who we have) We have called Geico and Progressive adn State Farm and nothing is giving us a smaller quote. Does anyone know a good insurance company that is cheaper with students, new drivers, etc..? We also do not live in the same household, and some insurance agencys will not cover us for nothing living together. But anyways, just let me know if you know of a cheaper insurance agency. Thanks.""

Car insurance help please?

I'm living in Ireland and I'm hopefully getting a car next year. I'll be 17 or 18 when I get it and I'm just wondering about how much car insurance would be for me? I'd be just getting a car like a Honda civic or something like that. Any help is appreciated. Thanks

Bicycle insurance?

i bought a new bike yesterday from JJB and i just called in JJB today to find out if they do bike insurance and the lady told me that they dont! where can i get bike insurance from?

How much does insurance cost on a car in the UK at the age of 30?

Me that is at the age of 30 haha!

Car insurance for new driver?

im looking for car insurance but all of them are over 22,000 but i herd from alot people that its would be 1000 and all my friends pay about 1000 so why is it so expensive?? i live in london and im 19 yers old, i passed my driving test last week.""

Antique car insurance?

I have read about cheaper insurance on classic cars, but you can only have it if you occasionally drive it. Is it possible to have that insurance on a classic car (1970`s) and use it as a daily vehicle? Is there some kind of loophole or something? Thank you in advance. Sorry for my english.""

Best place to buy health insurance?

Going to retire but need health insurance for family, only 55""

My car was considered a loss. how do insurance co. determine how much to pay for the car? 2001 toyota carolla

A four door CE model. No major problems some small scratches and dents.

How much will my car insurance increase from my speeding ticket?

I currently pay $750 a year on my car insurance and i just got a speeding for 40km over the posted speed limit. i got 4 demerit points. also i live in ontario canada

How much is normal insurance coverage for a ATV?

I just found out my parents had this amount of coverage on their ATV. 100/300/50 both comprehensive and collision with a $100 deductible anyone else think they have too much? That is the same as my car except with a higher deductible.

Help with Insurance questions?

Hi, I am 22 and just got the red P in July in NSW. I want to buy a car driving to uni. I dont have much money, I just want to buy a car below AUD$5K, is it possible to ...show more""

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 does insurance on a Chinese moped cost?

I'm female, 22, 3 years car no claim bonus.. I was thinking about the Piaggio Zip 50 for 1000 but I'm now v. tempted and seriously considering buying a Guoben LB50QT-21 for 500. I've heard people have had problems with these bikes but I am buying it from an actual bike shop not just ebay. Does anyone know how much insurance I would pay on the cheap bike? Is it likely to be a lot more than a branded bike? Thank you!""

""Full Time College Student, my first time shopping for health insurance?""

I will be 20 in a month. I go to school full time as well as work around 30 hrs a week. My family has been on government health care for a while, but since my father won his social security case they are canceling our coverage by the end of the month. (With no real notice) I need health insurance but I have never shopped for it before and I would like to keep my same doctor as well as I mostly just need the insurance for birth control. I don't make much money and my fiance and I are struggling to find a place to live as well as needing to buy a car and fix my car. I just really need some good advice on how to choose a good heath care provider. and I also know it will probably be rare to find any insurance that will help pay for my birth control.""

Cheap Health Insurance In New York State for single adult?

Is there any good but cheap health insurance in new york state not based on income?

Best health insurance?

Im looking for a great health insurance. One that is reasonable with cost. My location is kansas if it matters.

""How much does it cost to live on your own in Sacramento, CA?""

I need to move out when I turn 18 due to problems at home and with my family. How much would it cost, realistically, to live on my own in a studio apartment in sacramento, roseville, citrus heights, rocklin or the surrounding area? I mean the bare minimum cost, including car insurance, rent, food, medical insurance, etc. I would be paying for everything on my own. Thank you for the input!""

Car accident at fault no insurance?

my car was hit from behind last week and the insurance companies came to the resolution that the people that hit us were at fault. they didnt have any insurance and the person driving my car didnt have insurance either. i still owe 6k on the car, how can i get the $ back or get rid of my car without going to small claims court?""

Would I be eligible for EI if I get fired for not being able to pay car insurance?

I work on call and recently I have barely been getting any hours so now I can still afford next months rent but not car insurance. And this job cannot be done without a car. So if I am not able to afford the car insurance because my boss doesn't give me enough hours, and if he fires me because I am not able to do work because I can't afford car insurance, would I be eligible for EI?""

How much do you think insurance would be for me?

I'm turning 16 and honestly don't know where to even start when it comes to insurance. Right now my parent don't have insurance.. Do They need to have insurance so I can get insurance? I live in tennessee I'll be driving a 2006 black jeep liberty and insurance just seems really confusing and scary.

What is a good car that is cheep and i won't have to pay a higher insurance?

researching a new car and with money so tight im looking for cheep...so what ever you guys can give that is cheep, and won't raise my insurance is great""

https www.itravelinsured.com travel-insurance-quote consumer agentno 1973

https://www.linkedin.com/pulse/how-much-would-my-insurance-cost-two-cars-ethan-carpenter/"

0 notes

jdriverblog · 6 years

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Sell My House Fast In Arlington – What Are My Options?

“What Are My Options To Sell My House Fast In Arlington?”

Sell My House Fast In Arlington

Homeowners in Arlington who want to sell their home quickly need to know what their options are…

If you own a home and you’re thinking, wondering, “how do I sell my house fast in Arlington,” this blog post is a quick tutorial on your available options, and how you decide which option is right for you.

The speed of selling your home comes down to three main factors:

1. How long you’re willing to take to sell your house 2. How much you’re willing to spend to sell your house 3. How much you’re asking for your house

Option #1: What Is Your Timeline?

The first factor is: how long are you willing to take to sell your house? Most people think of selling their home the traditional way, by listing through an agent. This method of selling can take 3 to 6 months (sometimes longer, depending on market conditions). So if you have a lot of time and are not in any rush, this might be a good option for you.

However, many homeowners don’t want to wait that long. Usually people sell because they need to move and they don’t always have 3 to 6 months (or longer) to wait for a sale. So there is another option, and that is to bypass the agent and sell directly to a home buyer.

If you’re in a hurry and want to sell your house right away, let us know. We can help! Just click here to fill out this form or call us at (214) 233-5504

Sell My House Fast In Arlington – What Are My Options?

Option #2: How Much Do You Want To Spend?

Most people are surprised by this question because they don’t realize that they have to spend money to sell their house but if you sell the traditional way, there are two times that you have to spend money: before you list, when you renovate your property to get it ready to sell; and after you sell, when you pay your real estate agent a commission for selling the property. Both of these can costs THOUSANDS of dollars.

Not all homeowners are comfortable SPENDING all that money in order to SELL their house. If you’re a homeowner who would prefer to keep more in your pocket, you have another option: you can sell your house direct to a homebuyer like us at Sell My House Fast Dallas. We buy houses as-is and take care of all costs (and there are no fees or commissions).

Option #3: Selling Price

Some homeowners believe that the market price for their house will be high, so they’re willing to wait and gamble and see if a buyer will purchase it for that price. When a buyer is eventually found, they MIGHT offer more, the same, or less than the asking price.

But not all homeowners like the “unknown” of this gamble. They don’t want to wait months in the hopes that someone will offer what they’re asking. They subscribe to the saying, “a bird in the hand is worth two in the bush”, meaning that they’d rather work with a home buyer – even one who might offer slightly less than a market price – in order to know EXACTLY how much they can get for their house right this very instant. Sell My House Fast In Arlington – What Are My Options?

If you’re a homeowner and you’re wondering, “What are my options to sell my house fast in Arlington?” then it really comes down to these 3 factors that will determine whether you’re willing to list or to sell right now.

If you want to sell your Arlington house fast, we’d love to make you an offer. Give us a call at (214) 233-5504 or click here now to fill out the form.

Sell My House Fast In Arlington – What Are My Options?

Resources and Information For Arlington Tx:

Arlington Real Estate Market Overview

School Reviews for Arlington

Arlington, Texas City City of Arlington

Images from top, left to right: AT&T Stadium(formerly Cowboys Stadium), The University of Texas at Arlington, Globe Life Park in Arlington, Lake Arlington, Six Flags Over Texas

Flag Logo

Location of Arlington in Tarrant County, Texas

Arlington, Texas

Location in the United States

Coordinates: 32°42′18″N 97°07′22″WCoordinates: 32°42′18″N 97°07′22″W Country United States State Texas County Tarrant Government • Type Council–Manager[1] • Mayor Jeff Williams • City Manager Trey Yelverton[2] Area • City 99.7 sq mi (258.2 km2) • Land 96.5 sq mi (249.9 km2) • Water 3.2 sq mi (8.3 km2) Elevation 604 ft (184 m) Population (2010)[3] • City 365,438 • Estimate (2016)[4] 392,772 • Rank (US: 48th) • Density 3,810/sq mi (1,472/km2) • Urban 5,121,892 (6th)(DFW Metroplex) • Metro 6,810,913 (4th)(DFW Metroplex) • CSA 7,206,144 (7th)(DFW Metroplex) Demonym(s) Arlingtonian Time zone CST (UTC−6) • Summer (DST) CDT (UTC−5) ZIP Codes 76000-76099 (76029 is exclusive to UT-Arlington) Area codes 817, 214, 972 FIPS code 48-04000[5] GNIS feature ID 1372320[6] Website www.arlingtontx.gov

Arlington is a principal city in the U.S. state of Texas, located in Tarrant County. It is part of the Mid-Cities region of the Dallas–Fort Worth–Arlington metropolitan area, approximately 12 miles (19 km) east of downtown Fort Worth and 20 miles (32 km) west of downtown Dallas.

Family Owned and Local Arlington Home Buyers

Sell Your House In Arlington Fast To Local Home Buyers

My name is Mark Driver. My wife Julie and I live in Garland Texas with our two boys. Mylan is 6 and Mason is 2. I never thought my children could be so different.

My 6 year old has a heart of gold and proves that theory everyday. My 2 year year old is working on becoming an all around ball player. He is ambidextrous and is a joy to watch as he learns daily!

My wife, Julie, is a stay at home mom but is currently working on getting her real-estate license which will help us further our business in the home buying industry. I have done many things in my career with a great deal in marketing. I became interested in real-estate because I enjoy meeting and helping people out. I promised along time ago to find my place in life as a good steward and this just fits! I am here to help you and others. Sell My House Fast Dallas says it all! Even if I can’t help you find a way out of your current house situation, I bet, I can still find a way to assist you. I am grateful everyday to be able to get up and do the things I love doing. If you have a house for sale ……. and need an all cash offer so you can sale your house fast then, Please, call me today at 214-233-5504

Sell My House Fast Grand Prairie

Sell My House Fast Richardson

Sell My House Fast Frisco

Sell My House Fast Irving

The post Sell My House Fast In Arlington – What Are My Options? appeared first on Sell My House Fast Dallas.

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lovenerdywinnerbouquetfan-blog · 6 years

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Should I sue or settle with the insurance company?

"Should I sue or settle with the insurance company?

So, my 2010 Sentra (Brand New less than 6K miles) was rearended. It's been hell dealing with the other guy's insurance company- never return calls, no followup, etc..... My car is back looking great except for minor details (issue with the trunk) which I hope to work out with the shop. They are giving me a low ball offer on diminished value and I live in a state that grants diminished value Here are my questions: 1) Is there a simple calculator that can be used to calculate diminshed value? The car was in pristine condition prior to the wreck 2) At this point, is it better to use a Attorney? I want to be compensated for days lost from work, medical expenses, diminished value, pain and suffering (also if shop is not able to work out minor repair detail I want compensation for that )

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

RELATED QUESTIONS:

Republican want to ensure that 45 MILLION Americans have NO Health Insurance part of their 'Family Values'?

These are mothers, fathers, children, babies - who have no access to affordable health care - but who still get sick - and who subsequently (quite often) lose their homes to ...show more""

Insurance didn't report?

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

Does anyone know of cheap car insurance for convicted drivers?

I need to get rid of my car because the payments are way to high and insurance sucks?

I bought a 2003 Toyota Avalon a little more than a year ago from a dealer. I put 7000 dollars as a down payment and now am paying 240 a month for 60 months. Its getting kind of hard to pay off the car now with all of the costs going up. The total price of the car was 15000 and I got a bumper to bumper warranty for 5 years/100,000 miles when I bought it at 35,000 miles. The car now has 54.000 miles. How do I trade it in for a car that would cost me less than 200 a month Thanks""

How much does it cost to own a classic car?

So I was on craigslist looking at Camaros for fun. I came across a 1979 Camaro Z28. The car was completely redone in 2001 and a new 350 crate engine was put in it in 2003. The car has new leaf springs, suspension bushings and tires on it. The new engine and trans has just under 45,000 miles on it as well. The seller is asking $5500. Ive driven it and am pleased. The car seems to be strong and is of good quality. If I were to get this car it would only be brought out on nice days, probably over the summer. Next year the car would be 35 yrs old so im assuming its considered a classic . What would be a good estimate for 50yr old man in Pennsylvania to own this type of a car that is rarely driven. Again the car is in good shape, only a little rust and probably wouldnt even see 1000 miles a year. Just curious for some input.""

Insurance quote for 2002 Chevy Cavalier z24?

Hi, I am interested in buying a 99-03 Chevy Cavalier, and I am wondering if anyone knows how much the insurance would cost per year or month? I'm a 17 year old male, and this will be my first car. Also have finished drivers' ed.""

Can my car insurance be cancelled?

I have had insurance for 20+ years. I recently called them to tell them I had moved. For the first time EVER they are insisting (through phone calls, mail and email) that I MUST give them information on who I live with and what THEIR car insurance is. I don't want to give this out. Can they cancel my insurance? Has anyone ever heard of this?""

""One more question on insurance,,,, do I HAVE to cancel existing insurance on my mums car.....?""

i have a quote from an insurance company who is willing to give me temporary car insurance for 3 months on my mums car, it works out cheaper then going on as second driver, they said i have to cancel my mums insurance but maybe that is because they wanna make money at the end of the day, my mum is saying i don't have to cancel the existing insurance but i aint sure, i just think she is worried she may not get the refund for paying for a full years insurance if she cancels... help me out guys !!?""

""Is a motorcycle cheaper than a car in terms of maintenance, fuel and insurance?""

No matter what I get, my budget most likely will be $5000. But i'm talking about other costs like maintenance, fuel and insurance. I know fuel obviously is much less than a car for motorcycles, but how about maintenance and insurance? Basically i'm a highschool student, I'll be going to college next year, its a 50 km ride one way. Public transit would take me 2 hours...so If possible, i'd like to get a car or motorcycle. I already passed my first road test, but I don't have a motorcycle licence, but I'd like to. Infact the college i'm planning on attending does motorcycle courses and licencing. I'm thinking that If I do get a bike, i'd ride it for september- early november, store it for the winter, then spring till the end of the school year. Obviously I'd ride it during the summer too! I dunno, what do you experts think? You think its a good game plan or am I just in over my head? Which should I get?""

Do i have to have a motorcycle license to get motocycle insurance?

Insurance on a 1979 Dodge Challenger?

I know I've asked this before but this time I'm just being a little more specific. I'm looking for how much insurance would be on a 1979 Dodge Challenger. I live in Ontario Canada near Toronto. I am a male and single. School and work are within 15 Kilometres of my house. I will be 18 when I get the car, I will be the principal driver on this car and there are 3 other drivers in my house. My driving record is clean, no accidents or tickets.""

How much will the incurance go up after i start driving?

im 17 and i want to get my license. but my parents are making me pay for the difference in insurance cost. so i was wondering how much it will go up. we have usaa btw

How much more is it to insure two personal cars vs. one?

I am just one guy, I live by myself and nobody drives my car but me. I keep insurance on it but conditions may turn out that I will end up with a 2nd car. I would ultimately drive them both and have them insured but how much is it for one person to insure a 2nd car? Is it (premium of one car) X 2 or more like 1.5(P) I hope this wouldn't be too expensive and make it not worth it.""

Do Car Insurance check my previous insurance company?

I was thinking, Will New Car Insurances do a backup check on my previous insurance or they just start on a new claim and use the information based on that. The thing this will be my first car and as the price is high and if i say I have done a car insurance with that company will my insurance price go down as no claim for one year.""

Long Term Disability - Life Insurance?

If you were no longer able to work and went on short and then long term disability from your job and then you die, is your family still eligible for life insurance that you had through your employer?""

Health Insurance Grace Periods?

Which health insurance companies offer only a 30 day grace period? Thanks.

""I was informed that my surgery will not be covered by my insurance, and so what can I do?

Is there an additional insurance I can buy immediately or a California option to get me through this?

What is a fast car for a teenager that still has good insurance?

I am looking for a car and was wondering what the insurance was like on what. this is mostly for guys who own fast cars and pay insurance on them i was looking for mostly imports but i do also like some american cars. was thinking VW jetta/passat thanks

What health insurance plan should I buy?

Hi I'm currently looking for a health insurance. I live in southern California. I'm a 27 year old female, 30 lbs overweight, no known medical condition, looking for something to cover mainly major or serious medical problems. Dont know whats better Kaiser Permanente or Blue Shield Blue Cross? Should I look for a high deductible plan or a copayment plan, PPO or HMO? Really confused!!!!!!""

""17 yr old in uk, looking for any tips to get cheaper car insurance.?""

looking for helpful tips to legally lower the price of my car insurance ie what company to go with, whether i should put my mum on my policy etc.""

Health Insurance for adults!?

My mother is 62 and has no insurance. Im being told she needs tests run and needs to be seen immediately. Is there any type of insurance that can help her?

How can I get insurance if I am not working?

they say its going to a law you have to have insurance well what if your not working did they come up for something for that

Can You get Insured for a car thats not yours?

My girlfriends car is un insurenced and she got her L's suspended can i get insurence if im driving her car now?

Car Insurance liability question?

My husband recently got into a car accident, in CA, he rear ended a car in front of him. Our insurance liability coverage is only $10,000 property damage. So we have received a letter from our car insurance stating that the amount owed may be in excess of the $10,000 property damage limit. Does anyone know what happens at this point? We don't have any assets that they can take away, I'm on leave from my job starting on July, we seem to be living from paycheck to paycheck and now with this, I'm just worried since I don't know what is to come? If you have any additional questions, please ask thanks to those that respond.""

Best car to insure in GTA 5 online?

I need a car to insure and upgrade but not sure which one is the best help?

What's the average progressive quotes for a young driver between 18 to 24?

America - Are you legally required to get Car Insurance?

In the UK you can't go on the road without insurance, is this the same in america?""

""Ran a stop sign, will my insurance increase?""

I am 20 and accidentally ran a stop sign today and got pulled over. I am in FL and the ticket is 166$. I am under my parents insurance and was using my dads car. I was planning on paying it rather than doing traffic school or trying to fight it, i'd rather just get it over with and pay the dang thing. But, my question is will it show up on there insurance that 'someone got a ticket on this day for this price and this reason and raise their insurance even if I pay it off? Reeeally don't want them to find out! Also, how to pay it?""

Is there a grace period on car insurance coverage after a cancellation for California with Mercury insurance?

Had coverage with Mercury insurance. Expired 12/05/07, but renewed it on 12/07/07. During the on day lapse was hit by an uninsured vehicle and now Mercury insurance states there is no grace period, so I wanted to know if there is a California law that states other wise?""

Being on your parents insurance and having a baby?

This is completely random for me, but me and my mom were just talking about this and wondering... Say a 17 year old gets pregnant while on her parents insurance. Would she have to get her own insurance? Would she have to pay as an adult would have to? Any personal experiences? Just wondering! Thanks :)""

What are some good dental insurance carriers with affordable premiums and copayments?

I live in Southern California ( High Desert area ) and I am looking for a good dental plan and dental carrier with affordable premiums and copayments. I need mostly restorative dental work, like replace too llings, bridges, crowns, root canal and braces.... I currently have Kaiser medical insurance and would like to try Kaiser dental and I am also considering Aflac or Delta Dental.... anyone have experience with any of these carriers or have any good advice for me? Thanks in advance!!""

Motorcycle insurance depending on class of bike?

What are the types of bikes? I was told Sport Touring, Sport, Super Sport, and Cruisers? I was told insurance is cheap on Ninja 650r's, sv650's, and Ducati monsters. However it is really expensive on super sports like zx6's, cbr, r6, gsxr, and so on. If I get a older bike like 2002 or older zx6/cbr/r6/gsxr will the insurance be as expensive as a 2010 sx6/cbr/r6/gsxr? Or will it be around the cost of a 650r/sv650 etc...thanks.""

Insurance on Mitsubishi Eclipse RS?

Right now Im a 17 year old male. I just got my stage 2 license so I can finally drive alone=D Now I'm looking to get a car. Right now I have my eyes set on a Mitsubishi Eclipse RS for the nice look, but not having too much power that would boost my insurance. I was suppose to get a mustang GT form my step dad but thats WAY too steep for me. The Mitsubishi RS has 140 HP w/ a 4cyclinder 2.0 lit engine. Would this be a good car to start with on insurance rates/would being in the national guard reduce my rates?""

What are the people called who work for the insurance companies?

That spy on people who claim insurance from not working because they pulled their back, or twisted there neck, etc.. they usually take pictures, or film them for court evidence to see if they are really telling the truth about there injury. thanks""

How much could my car insurance increase if I pay a 90.00 fine that included 1 point on my record?

I have a clean driving record so would it be worth paying the ticket and watching my insurance go up a few bucks? I can't imagine my insurance going up too much for a single point, but maybe I am totally wrong. Any advice on this matter would be much appreciated.""

How much is car insurance for a 97 corolla?

please don't say ask your insurance company because i wont know until a couple days later. i just got my license and im 17 years old and i have a 97 corolla. The car isnt in the BEST condition but its still in pretty good condition and i was wondering how much would the insurance be considering i took driving classes at the school and am dadap certified (that alcohol lesson thing) thanks

""Can you NOT have car insurance ? ? and if you buy a car in cash , what is the tax on that ?""

okay i'm new to America and i'm planing to buy a car for about 14000 in cash , do you need to get insurance ? and is the tax on cars the same as sales tax ? , and any info about buying my first car ! would help !""

Where can I find affordable but a very good individual vision insurance plan?

I've check out VSP but I'm not sure if it's the best and only choice out there for me. I also live in Pennsylvania if that helps out any.

How much does insurance cost for a chimney sweep business?

I am starting a chimney sweep company and I was wondering what is an average cost to have insurance for the business (bonus points if you can say all of the types of insurance I might need) I know the standard answer is to say there is no way of knowing since this all depends on a number of factors but I literally have no clue what it would cost so ANY estimate or guess is appreciated. The business will be in Maryland and have just 1 employee with revenue I am guessing would be about 60,000 a year if that helps.""

Can you buy multiple life insurance policies?

If one had a whole life insurance policy valued at $1M, and through a life settlement company sold it for $455K; could you essentially use those same funds to purchase another life insurance such as a universal life insurance policy for $1M?""

""If i was an officer in the air force, does that military help pay car insurance?

how nice r the houses on base and how much meal do i get to eat per day while living on base?

What is the best life insurance to get BEFORE melanoma diagnosis?

I am 99% sure I have melanoma on my leg. Have apt soon to get this confirmed and staged and start the process. I am a nurse, I know the process, and know the outcome can be one of many. I do not currently have any life insurance, never have. I have 2 small children and it is JUST me and then, no close friends, no family. Worst case scenario, if I only have a short time to live, what would be the best LIFE insurance I can get before getting this diagnosis? I would need something in which they could not cancel me if I am diagnosed with cancer within days of purchasing a premium. Today is May 11th, I should have my diagnosis by May 29th. I would like the biggest policy at the most affordable rate (I don't make as much money as you would think), but its also important that I get the fewest stipulations. By the way, I hate to admit it, but I am a smoker. I quit from 2009 to late 2010, but then started up again when I started RN school (am an LPN now, graduate from RN school in 3 weeks). Any solid advice would be appreciated. In laymens terms please.""

About car insurance and drive?

Hi, Anyone can tell, if my insurance for on my name third party only and my friend have just new license and he can drive without anything else like insurance!! If he can't. By legally so if he'll catch when he's driving my car so by uk law what punishment /fine For me?? Or. I'm safe!""

Im 19 and look for a cheap car with some power but quotes below 900?

im 19 year old i got my full licence for 2 years now and im looking to buy a car a cheap second hand one any would be good to be honest just need it to be 1. big so people can fit in comfortably 2. reliable 3. good mpg 4. not ugly 5. 1 litre - 1.4litre 6. and ermm it must be a car nice to drive and can go on motorways without struggling thanks i was thinking about a vw polo or a vw golf but im not sure if they would be cheap on insurance thanks :)

Does car insurance rate depend on a car's make and model?

I'm trying to decide whether to buy a 1999 toyota camry or a 2003 honda accord and i'd like to know if it makes a difference on the rate depending on year. I also recently got into a car accident that was my fault which i know will obviously increase my rate.

How can i get affordable car insurance for myself?

i have really struggled to find my own car insurance, i am 18 years old, i have taken pass plus, at the moment i am on my mums insurance, i do have a part time job, do you have any suggestions or ideas for affordable car insurance for someone of my age?""

600cc Sportsbike insurance?

im almost 21 and im getting my full motorbike licence soon. i want to get a 600cc sports bike as my first ever bike, but im not finding any attractive insurance deals. Does anyone know of a 600cc sports bike that comes with a good insurance deal in london?""

How much do Hyundai Coupe S's cost to insure?

Annual Insurance 2002 worth 600 17 year old male driver

Im 20 years old. Just wondering when i should buy life insurance?

Im 20 years old. Just wondering when i should buy life insurance. ? I have a bf live at home with my parents. I have a car loan out for 18,000. Have a full time job. Just wondering if its better to purchase when your younger. My bf and I have been together for 6 years.""

""Sad Love Story, Car Insurance question for a 19 year old. Please Help. Will reward 10 points?""

I have been seeing this boy for a while now and I have completely fallen for him. My entire life fell apart in high school last year and he's the only thing that has gone right. He is the one person who makes my heart race all fast and stomach do flips with those butterflies. I'm absolutely crazy about him. I have my license but I'm just not ensured. My grandfather found a receipt I left by accident in the car and looked at the miles and I got the car taken away. I can't stop crying, if any of you are in love you know how I must feel. I can't stop crying. I know exactly how Juliet must have felt :'( Now on the the insurance question. My 70 year old grandfather won't let me drive anymore until I'm insured. He has esurance and I am 19 and want to get added onto it. Does anyone have any idea of the cost? It would help me out so much so I know how much I need to save. I guess till then I will have to take the bus to see him :( thank you! I will reward best answer.""

Insurance for expecting baby?

Where can I get free / low cost health insurance for my expecting baby? In louisville, Ky ???? Please help!!! Im 18.""

What's the average progressive quotes for a young driver between 18 to 24?

How long does it take for insurance rates to go up after getting speeding ticket?

how long does it take for your insurance rates to get affected if you get a speeding ticket.. does it apply right away or do i have time to go to traffic school.. and if i go to traffic school will all evidence of there ever been a ticket disappear?

Getting health insurance with a pre-existing condition?

I just quit my job and no longer have health insurance. I also have a very mild case of Chrons disease....I take pills daily for it, but other than that I'm in great health. I would like to get on a health insurance plan. What are my options? Do you think I will get turned down because of my Chrons? If I can get on health insurance, what range will I be paying per month for coverage?""

""Question about health insurance, dental insurance?

Hey so my tooth is really hurting? I'm thinking of getting dental insurance and then going to the dentist. If it turns out I need a root canal or something really major-- will they pay for it? I mean-- do I have to declare tooth pain before hand or how does this work exactly? So confused...

How much average premium for Car insurance....?????

i need some basic info... about car insurance..in NJ STATE... record is clear and 3 years exp....need to know average range... Most of people paying.......

Does anyone know a company that will give homeowners insurance if you own a pit bull?

I'm looking for a insurance company that will insure homeowners insurance if I have a pit or pit mix in Upstate NY

What are some discounts that many auto insurance companies offer that might help save some money?

10pts to best answer. Question about auto insurance policies? I just earned my drivers liscence. My father is dreading the cost of adding another driver to the family auto insurance policy. What are some discounts that many insurance companies offer that might help save my dad some money when the premium is due?

Car provisional insurance?

Well i was wondering i bought a renault clio im on my provisional licence and quoted 900 pounds for a provisional insurance and 2000 for full licence if i payed 900 for a provisional would i then have to pay 1100 to get it to full insurance or the whole 2000 to get it to full insurance?

What is the average cost of car insurance for an 18 year old mail in Florida?

And which insurance company is the most affordable provider?

How much would bike insurance cost me per year?

I'm 22, looking to get a Ninja 250, am going to complete a Motorcycle Safety Foundation course, and have a clean record. What would be a reasonable, average price I'd be looking at for either basic or full coverage?""

Questions about car insurance?

Is it illegal for someone to drive someone else's car if they do not have car insurance, but their friend (who owns the car) does? What would happen if they got pulled over for a ticket . . . would there end up being a big problem? What about if they had an accident . . . would they be covered under their friend's insurance? And are there are some types of insurance that would cover an accident if it was caused by the uninsured friend of the insured car owner? Thanks so much :)!""

Is this car insurance thing true?

I heard online that in Texas if you drive less than 35 miles a day, you'll get a HUGE discount in your insurance. It this true? Or is this just a lie?""

How much does life insurance cost monthly for a 28 year old nonsmoking female??

Cheap scooter insurance in UK?

In February of next year I will be buying a 50CC scooter and taking my CBT, What would be the best companies to go to for cheap insurance? I'm planning to pay in a lump-sum :) thanks""

If private insurance companies are so bad...?

Why doesn't the government nationalize life insurance and car insurance?

How much is car insurance for a 18 year old male in CA?

I'm 18 years old, get good grades, and I'm buying a new Nissan Versa (in Magnetic gray). The car's going to be about 14k total (out of the door price). I'm wondering which car insurance company I should go for, and what a good price would be. My parents are debating whether I will be added to their insurance plan, or if I will get it sepatetely. Does anyone have input on this? Thanks~""

""If you have Mercury Insurance in the state of Florida, how much will the insurance cost for new 2014 Kia Forte?""

It's the base car no extra things in, just the LX""

Cheap insurance for new drivers? Please help!!!?

Hi guys, I really need some help. I'm just pricing up car insurance, I currently have a provisional licence and i take my driving test next week, I'm doing insurance quotes for a 2005 volkswagen polo s 55 petrol 3 door Manual car, and I've being looking at prices for provisional drivers and newly passed drivers and the prices are ridiculous. Provisional is coming in at approx 1300, which I can cope with for the year but as soon as I pass my test BAM! prices are looking at about 2,700. I've done everything right according to the advice in the internet, we have a secure garage, off-road parking, during the day it will be kept in a secure office car park. I've tried confused.com, comparethemarket, confused.com, gocompare etc and the prices between provisional and full licence are topping 1,200 in difference. Does anyone know of any websites designed for new drivers or maybe places i could look and get quotes which aren't on comparison websites? or maybe any tips that I could use to reduce the quotes because they are ridiculous. We've added on two drivers with over 30+ years each on and also my boyfriend with 7yrs no points. all have no convictions, record, points etc. Thanks :) Kirsty""

Insurance question for my car?

when i turn 16, if my mom calls and just puts my car under her as driving it, and dont mention that i will be driving, if something happens would i be covered under her policy or would i not be covered since i wasnt one of the names insured. it is alot cheaper to just go under her, but if i got pulled over, or anything happened would i be covered under insurance.""

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

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

Dose anyone know any cars with cheap insurance for a young driver (under 1000pa)?

Im looking for a car with a small engine so the insurance will be as low as possible. can anyone think of any good cars.

What are the other things do I have to pay for besides the car and insurance?

Okay my budget for my first car will be 1000 pounds insurance will be about 4000 or even more...whats MOT and Tax? what about breakdown cover? I'm thinking about getting breakdown cover because I dont really have anyone to call if i'm in trouble...it would save me the embarassment...

How much money will the insurance pay for a stolen car?

Someone stole a family member car. The car is a total lost. How much will the insurance pay for the car. Is a Honda Civic 2006.....if i go to Edmund.com, or one of those sites I saw the car is worth about 12,000 dollars....... How will he know how much money he will get from the insurance company...thanks..bye""

I just found out I was pregnant and have no insurance. What do I do?

Due to my husbands green card status we have been warned not to use Medicaid as they don't have to renew his green card. We make a combined income of 36k which isn't much and already have a lil one. Are there any options out there. I am expecting to need another c-section...which means $20k... this isn't exactly the time I want to stress. This should be a happy time!!!

Insurance polices at work?

a friend of mine works for a local mall where i'm from. the company he worked for varsity he took out a 10,000 insurance policy left me as heir should anything happen to him. when varsity left the mall and another company took over. he and his co/workers are told the insurance policies they took out and left another as heir were only good providing varsity remained in the mall. how is it legal to charge someone for such a policy. once the varsity left the mall they were told they get nothing""

Car insurance for 2004 Mustang?

I'm looking at a silver 2004 Mustang with a manual transmission. I'm a 17 year old boy and my insurance is State Farm. About how much will my insurance be? Also, how much will registration and licensing cost?""

What's the average progressive quotes for a young driver between 18 to 24?

""Fast, fwd or awd, reliable, manual car that's cheap on insurance?

I already thought of a few possibilities. RSX Base 5 speed 05-06 Mazdaspeed Protege Scion TC Legacy GT Celica GT (possibly gts) EXPENSIVE INSURANCE (I live in NJ) RSX type s WRX EVO Just looking for ideas. Preferably cars that are cheap on insurance and easy to mod.

Which insurance is cheapest for young drivers?

My parents are making me get my own insurance and I'm 18 and live in PA and plain on getting a 96 Cavalier don't know if this will help any but here us the VIN: 1g1jc124xtm104843 thank you

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

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

""Hi all, does any 1 no where i can get multiple car insurance quotes instead of searching 1 by 1?""

i would like 2 enter my details and have multiple companies offering insurance, instead of doing it 1 by 1 does any 1 no where i can search for multiple insurance quotes thanx all""

How much would I pay for motorcycle insurance in Hawaii?

How much would it cost to insure a 500cc or less motorcycle in Hawaii for a full-time female college student with a 3.0 or better GPA who is 19 years of age and single and has one speeding ticket on her record? I would just like a ballpark range to work with so I can decide whether or not I want to buy a motorcycle for going to college and work while I'm here in Hawaii. I passed a motorcycle safety course and have my M1 license. I want to know if I could afford the insurance.

""My friend already has auto insurance on her car, can I get my own insurance on her car or do i have to own it?

I have a Job interview at Coke Cola and I need to show them proof of insurance on the vehicle I drive however i do not own the car but ill be able to drive my friends

Accept $140K insurance buyout from Ford or keep insurance policy?

Hi, I'm wondering whether anyone can help me decide whether it is a better idea to accept a $140K insurance buyout from Ford or keep health insurance. Assume the person in question is 50 years old and in good health. This is a timely question for many auto workers. Any links to more in-depth analysis would be great.""

Hi my partner is learning to drive she has bought a car the insurance is expensive for her can she get?

full insurance through someone else

I lost my Health insurance and I need to find affordable coverage asap?

I had tenncare but after i turned 21 it ended i have medical conditions that require me to take medications daily. does anyone know of a good affordable insurance that covers doctor visits and prescriptions that will take me with pre-existing conditions? I have asthma, PCOS, and other things that i have to take daily medication for to be able to function. I am bi-polar i have ADHD and severe social anxiety i am also manic depressant and schizophrenic what can i do to get some health insurance??""

Do I need car insurance?

I am getting my permit in a week. Do my parents need to add me to the car insurance policy?

Car insurance go up if not your fault?

If somebody hits you from behind, and it's completely their fault, you file claim for insurance, does the non-fault person's insurance go up?""

A break in car insurance between my old and new car?

Hi, Tomorrow my current car insurance with my S reg corsa is due to expire at 12:00pm (Noon) now I have decided not to bother renewing this as tomorrow night I am going to buy a new car for which I have already put down a deposit. Now I have been told I cannot insure this new car now as I don't own it yet, but im worried that if my car insurance has a break in it then it will affect me - I currently have 2 years no claims and don't want to loose this - does anyone have any knowledge of what happens in the situation? Also with me not being able to insure the car until i own it, how do i go about getting the car back home from the showroom? Please helpppp""

Cheapest car to insure for first driver 17?

i want to be drivign this year but the insurance is crazy! i looked at a 1l corsa 1litre is one of smallest engines you can get and its 5k a year so what cars are cheap to insure at 17 and a roughly figure? i dont want any ridiculous cars such as fiat panda smart car ect if im paying so much i want it to be semi nice the ford ka is also abit to feminim for my liking i like minis golf polos 106 corsas astras those type of cars cheers :] would really appreciate the help cheers joe

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

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

As a 22 female driver about how much would a 2010 camaro insurance cost? i have a perfect driving record?

""After what age in the UK is drivers insurance, cheaper?""

im 20, i passed when i was 18. at what age is insurance cheaper, i know it depends on where you live, car, model, engine etc but at what age?""

""Changing insurance companies have active claim with old one, what happens?""

I have a claim with my current insurance company, waiting to get the deductible don't have it handy. But I found I can get a better rate with a different insurance company. What happens if I change companies before I get my car fixed? Does the insurance company still have to pay when I get it fixed since it happened when I was covered by them. Or do they not have to pay it since I'm no longer covered by them?""

How much flood insurance do I need in a low risk area?

I called my insurance carrier to get a agent to get a quote. He told me limit option starting at $100K and went higher to match the limits of my Dwelling coverage, and ended by saying ...show more""

What is the average premium of auto insurance in Toronto?

How much do people in Toronto spend on their car insurance every month? I am moving to Toronto this summer, and I am having a second thought about taking my car with me since I will live by the campus. I only have an one year experience of driving. I know the premium depends on a lot of factors but I am only looking for an approximation or a price range. $100?200?300? Any suggestion of car insurance company? Thx, and I really appreciate your help!""

Can you cancel a car insurance policy and take a new one with a different company the next day?

My girlfriend is currently paying 197 a month for her car insurance, but we did a quote with another company will all legit details and they have quoted her 880 for the year. Can i ring up and cancel her current policy and take out a new with with this other company? or are there issues With doing this""

What companies are best for cheap car insurance for young UK drivers with provisional licence?

I have tried confused.com etc I am 20 and have a 1.5TD

What's the cheapest liability insurance?

Where do you get your insurance or financial information from?

(e.g. friends, family, websites..) Be specific. What are some ways to make it more convenient for people to get their information? Thanks!""

Why did my car insurance get higher?

My car insurance is going up over $100 per 6 months *shocked face* I am curious. Is car insurance in general getting much higher? Or would this increase be due to a wreck I had in January? (It was totally not my fault, but the guy who hit me wasn't insured.) p.s. If it makes a difference, I use progressive insurance. I spent over a month calling around - they had the best offer for me last year. But now I guess it's time to see what else is out there.""

What to look when I am trying to get medical and dental insurance?

In the last couple of months Ive been trying to get medical and dental insurance. I dont have much problem with my health but my wife gets medicine and needs some dental work. In my country everything works different when talking about insurance, Ive been into a couple of websites, doing some researches but I still have some doubts about what exactly to look and get. I want an affordable and good insurance so I can help my wife with her medicines and stuff, when she gets pregnant and in the future just in case of emergency.""

What's the average progressive quotes for a young driver between 18 to 24?

https://www.linkedin.com/pulse/car-insurance-marshall-winkle"

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samuelfields · 7 years

Text

Investing Lessons From A Surreal 2017

At the beginning of the year, I decided to track my investments with a detailed spreadsheet because my cash flow was increasing and I wanted to make sure the money was being properly deployed based on my risk tolerance. If I force myself to think for hours about how to invest my money, hopefully I won’t rashly spend it on completely wasteful things such as a sports car that can’t fit a baby seat or a vacation property I’ll hardly ever use.

On the flip side, ever since the housing crash I’ve had a heightened fear of losing money, especially since I haven’t had a job since 2012. It takes around three years as an entrepreneur to feel confident you won’t starve on the streets, especially if you become a parent during the process. As a result, I tended to hoard cash, which is suboptimal in a bull market.

This post will go over my investment thought process by category for 4Q2017 and conclude with some investing lessons learned about the year. The goal of tracking our investments is to try and take full advantage of a bull market in a risk appropriate way.

Financial Samurai 4Q2017 Investment Review

In summary, I mobilized a total of $2,263,319 into various investments in 2017. $750,000 of the $2,263,319 was invested in conservative investments (bonds, mortgage pay down, and home improvement) that should return 4% or more gross a year. The remaining $1,510,000 was invested in riskier assets with a target return of between 8% – 18%. My goal is to achieve a 10% total annual return, but will gladly settle for 8%.

The $2,263,319 invested was largely helped by a rental home sale in June 2017, which gave me ~$1,788,000 in proceeds ($2,740,000 sale price). Due to declining rents, expensive valuations, potentially rising mortgage rates, higher property taxes, potentially negative tax policy changes, PITA tenants, better investment opportunities, and less time due to a newborn, I thought it best to sell one of three properties in CA.

Overall, I reduced my risk exposure by $476,681 and increased my cash position by $450,000. Despite the decrease in exposure and increased balance sheet, I still have synthetic full exposure to risk assets due to $1,092,000 of remaining mortgage debt from my primary residence and vacation property rental.

Real Estate

Because I wanted to see if I could find a winter property deal, I held onto a lot of cash. I found two homes that I liked, but the sellers wouldn’t entertain my low ball offers. I wasn’t even sure I’d be happy with the purchase even if they did accept my offer because of all the maintenance and tenant issues I’d have to deal with again. For example, one home had a serious leak in the garage that kind of gave me a little PTSD from all the leaks I experienced at my old rental house.

By Dec 1, I realized I was never going to buy another property in San Francisco again, so I decided to invest another $300,000 in the RealtyShares domestic equity fund after meeting up with the team again for dinner. Since the summer, the fund invested in a flex-industrial deal in Chicago MSA, a multi-family in Phoenix, a strip mall in Orlando MSA, and a multi-family in Canyon Lake, TX.

Although a total of $800,000 in real estate crowdfunding sounds like a lot, I view it as buying a $800,000 portfolio of 12+ different properties across the country at much lower valuations and much higher net rental yields compared to having $2,740,000 in one very expensive rental property in San Francisco that is now at risk of depreciating due to declining rents and new tax legislation that limits mortgage interest deduction and SALT deduction.

The next physical property I will buy will be a primary residence in Oahu. The plan is to move back to Oahu within the next five years before my son starts kindergarten. I really like the idea of buying physical property to personally enjoy, and then renting it out years down the road if you have the funds and the desire to move. If the rental experience goes well, I’ll keep the property. If not, I’ll sell it and follow my BURL real estate investing strategy.

Stocks: Bought The Dips

In October, I started getting excited about the potential passage of a tax plan that would lower taxes for large corporations and businesses like mine with pass-through income.

As a result, I invested more aggressively into stocks because I felt the market would respond favorably if the plan passed. Further, my desire to buy another property kept going down. Corporate earnings are estimated to get a 8% – 10% boost and small business with pass-through income might see an even larger gain.

The timing of this tax plan is fortuitous given I’ve spent 8.5 years building a lifestyle business that has now reached a level where it will benefit from tax changes. Nothing has made me more bullish than business tax reform, which is why I need to keep my emotions in check through this investment review process.

Finally, I superfunded my son’s 529 plan with $70,000 while his mom and grandma contributed $14,000 each. We figured this would be a good method to diversify contributions since once you superfund, you can’t contribute for four years. It’s good 529 plan owners have the flexibility to use the proceeds for grade school education now.

See: How The New Tax Plan Will Ruin Your Life If You’re Not Careful

Bonds: A Positive Surprise

Bonds performed well in 2017 with the the long-bond index fund TLT up ~10%. My California muni bond positions are up ~3.5% + ~4.5% gross adjusted yield for a total gross gain of about 9%. Not bad given I was just looking for around a 4% gross gain.

Once the 10-year bond yield gets back to its 12-month high of 2.6%, I’ll be looking to buy more bonds again. I see a 3% cap on the 10-year bond yield for 2018.

Related: The Case For Bonds: Living For Free And Other Great Benefits

Mortgage Pay Down

If you add on the $815,000 of mortgage debt I paid off by selling my rental house, I’ll have paid off a total of $921,000 of mortgage debt in 2017. It feels fantastic to have almost a million dollars less in debt, even if the interest rate was low. By consistently paying off random chunks of extra principal throughout the year, it was easy to pay down an additional $106,646 in principal.

I’ve still got about $1,092,000 in mortgage debt to pay down between my vacation property and my primary residence. I certainly don’t need so much cash, but I want to continue legging into risk assets just in case there’s some type of downturn or a change in my lifestyle.

My plan is to pay off my vacation property mortgage by 2023. I probably won’t pay off my primary residence within five years because I need as much cash as possible to buy our future dream residence in Hawaii.

Related: Pay Down Debt Or Invest? Follow The FS-DAIR Framework

Everything Else

I’ve committed $200,000 to my friend’s second venture debt fund. They’ve called $96,219 within one year. I expect them to call the remaining $103,781 by the end of 2018. The fund’s objective is to earn a 15% – 20% IRR. Based on the performance of his first fund, a more likely return of 10% – 13% should be expected.

It felt great not having to do any home improvement projects since 1Q because we now have a baby who requires precious sleep. Any disruption of sleep would have been infuriating for all of us since my wife and I were like zombies for the first three months.

Finally, out of the $611,000 in stock investments, $50,000 of that was in highly speculative investments that have surprisingly done well.

Related: How To Make Speculative Investments Without Losing Your Shirt

Main Lessons Learned From Investing in 2017

My biggest mistake was not being more aggressive investing in the stock market at the beginning of the year. I didn’t have as much liquid cash because I hadn’t sold my rental house yet, but it was the Trump presidency and high valuations that gave me hesitation. I wasn’t too hopeful about tax reform either.

My best move was selling a rental house for 30X gross annual rent before the SALT deduction got limited to only $10,000 and redeploying the capital in properties around the country trading at just 10-14X gross annual rent. Life feels so much better not having to deal with housing issues anymore. It’s also nice to worry less about natural disasters.

Here are several lessons from 2017 that may help you become a better investor.

1) Try to look beyond the politics and focus on fundamentals. Given I live in San Francisco, I know plenty of people who decided to pull much of their money out of the stock market at the end of 2016. They were so blinded by their hatred of Donald Trump that they missed out on huge gains.Generally speaking, deregulation and lower taxes are good for business, which is good for business investors. Further, in my mind employment was already on the upswing and interest rates would remain accommodative.

Unless our politicians actually reform laws, there is often a disconnect between how much investors believe our politicians can do and how much they can actually do. Reduce risk if you wish. But don’t get out of risk assets completely.

2) Real estate is an easier investment over stocks. How can this be when stocks just went up ~19%? Having to reinvest my home sale proceeds was exhausting. If I didn’t have weekly reminders to invest, I wouldn’t have because of the uncertainty of what to invest in, the timing of the investment, and the actual act of deploying capital. Every investment I make gives me a little bit of anxiety due to my fear of losing money and looking like a buffoon.

With real estate, despite the leverage, all you’re doing is enjoying your home or collecting rent checks (if you’re lucky). When you’re just living, you aren’t questioning every single investment you make. Therefore, for most people who are too busy to track the market, owning real estate over the long run is an easier path to wealth. Despite my terrible tenants, the $1 million of equity gain from 2012 – 2017 was the easiest investment money I’ve ever made.

If you don’t have enough money to buy real estate, then owning an S&P 500 index fund over the long term is fine too. Just know that the longer you rent, because of inflation, the longer you will regret your decision. Inflation is an unstoppable beast that will eat you alive.

3) Think in percentages over absolute dollars. Because I had never invested more than $500,000 a year in my life, having nearly $1.8M to re-invest was intimidating. But as soon as I started breaking the investment amount into percentages, deploying capital became easier.

Find out what each asset class is as a percentage of your net worth and calculate what each new invest is as a percentage of your investable assets and net worth. This exercise is particularly helpful for frugal people whose wealth has far outstripped their spending habits.

4) Stick to an investment framework no matter what. Once you’ve decided how much you can comfortably invest each month and what type of asset allocation is best for you, execute your plan without fail. It is almost always the case you will be surprised by how much you end up accumulating or how much debt you end up paying down over time.

Wrapping Things Up

Overall, according to the final weekly personal investment performance e-mail I get from Personal Capital, my public investments returned ~15% in 2017. I’m happy with the results because my total capital exposure is significant for how much we spend. Further, my goal after leaving work was to earn a 4% – 6% tailwind a year while I build a lifestyle business.

It’s really hard for me to take on more risk because of my fear of having either one of us go back to work during the crucial first five years of our son’s life. At the same time, I can’t help but want to take full advantage of the bull market while it lasts. The further I can run up the score, the bigger the buffer during the inevitable recession.

Finally, one positive surprise I experienced this year was that once I elongated my investment time horizon to 20+ years due to the birth of my son, I became much more at peace with my risk exposure. Surely by 2037, asset prices will be higher. To invest for someone’s future feels wonderful.

https://www.financialsamurai.com/wp-content/uploads/2017/12/Financial-Samurai-investing-Lessons-From-2017.m4a

Investors, how did your public investments treat you in 2017? For those of you who have retired or reached financial independence, how have you structured your investments so that you can sleep well at night while also benefitting from the bull market? Graphic by https://ckongsavage.com

The post Investing Lessons From A Surreal 2017 appeared first on Financial Samurai.

from Finance https://www.financialsamurai.com/investing-lessons-from-a-surreal-2017/ via http://www.rssmix.com/

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ronaldmrashid · 7 years

Text

Investing Lessons From A Surreal 2017

Financial Samurai 4Q2017 Investment Review

Real Estate

Stocks: Bought The Dips

In October, I started getting excited about the potential passage of a tax plan that would lower taxes for large corporations and businesses like mine with pass-through income.

See: How The New Tax Plan Will Ruin Your Life If You’re Not Careful

Bonds: A Positive Surprise

Once the 10-year bond yield gets back to its 12-month high of 2.6%, I’ll be looking to buy more bonds again. I see a 3% cap on the 10-year bond yield for 2018.

Related: The Case For Bonds: Living For Free And Other Great Benefits

Mortgage Pay Down

Related: Pay Down Debt Or Invest? Follow The FS-DAIR Framework

Everything Else

Finally, out of the $611,000 in stock investments, $50,000 of that was in highly speculative investments that have surprisingly done well.

Related: How To Make Speculative Investments Without Losing Your Shirt

Main Lessons Learned From Investing in 2017

Here are several lessons from 2017 that may help you become a better investor.

Wrapping Things Up

https://www.financialsamurai.com/wp-content/uploads/2017/12/Financial-Samurai-investing-Lessons-From-2017.m4a

The post Investing Lessons From A Surreal 2017 appeared first on Financial Samurai.

from https://www.financialsamurai.com/investing-lessons-from-a-surreal-2017/

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