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prosperopedia · 5 years

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How to Get Out of Debt

If you have substantial debt, you’re much like the average American, who carries a personal debt load of about $30,000. That number doesn’t even include a mortgage, which is usually considered a good kind of debt. Instead, that $30,000 average debt load (as reported by Northwestern Mutual’s 2019 Planning and Progress Study) on Americans consists of payments being made for credit cards, car loans, student loans, and similar kinds of personal debt.

The study referenced above from Northwestern Mutual also found that 15% of Americans believe they’ll never be out of debt for the rest of their lives. How defeated is that?

But that’s not you! It’s time for you to get out of debt. That’s why you’re reading this article.

I’ve always been somewhat leery of debt ever since I can remember. Owing money to someone else, to a company or to some other entity, often feels like bondage, like there is something hanging over your head thats keeping you from living life to its fullest.

Despite that natural leeriness we all have towards , our modern credit-based materialistic society has a way of influencing a person against his better judgement, and I’ve also found myself at times falling into the trap.

In this article, I’m going to share with you the principles and practices I’ve learned about how to get out of debt, including examples from my own journey going from having debt to having significant wealth. After all, to reach the ultimate financial potential and achieve prosperity, your objective shouldn’t be just to get out of debt, but to build your wealth such that you can enjoy life more fully and have more capability to give back to others who might be trying to follow along a similar path to financial security.

At its essence, getting out of debt essentially consists of bringing in more income than you spend. Viewed in this context, getting out of debt or avoiding ever getting into debt in the first place sounds like a really simple objective. Mathematically, if you make $5,000 in a month (which represents about $30/hour in a forty-hour work week), and you spend $4,500 in a month, you should have $500 per week left over, right?

We all know life is not nearly that simple. Your $5,000 per month income is beholding to taxes and other government withholdings. In a dynamic world, where you might get sick or injured and can’t work, Many people work jobs that are commission based or otherwise fluctuate. Small business owners like me

Despite all of the variableness of life when it comes to income and expenses, two things need to happen in your life: more income and less expenditures. To get out of debt and stay out of debt, you need to be assertive about controlling those two elements of the financial equation as best you can. If you’re really interested in getting out of debt, you know that you can always do better.

I’m going to explain what steps you’ll need to take to get out of debt, which will reduce your stress level, allow you to start building financial wealth, and improve your overall quality of life.

For most people, getting into debt involves a several areas of negligence regarding finances. Excluding those who have simply had unusual misfortune because of unavoidable health and medical issues or some kind of accident, people who are in debt typically have not used a budget. They haven’t paid attention to what’s happening with their money. They are casual about controlling their income versus their expenses. They tend to be impulsive and can’t pass up what might appear to be a good deal. They haven’t been assertive about education and increasing their income.

In order to get out of debt, the biggest obstacle you’ll need to overcome is changing your mind about money and training yourself to be disciplined, to treat money as a servant rather than as a master.

I’m going to approach getting out of debt using a fairly straightforward list that I’ve seen work for me and many other people I know who are debt-free and/or wealthy.

Here are the items on that list that you’ll need to do:

Develop a financially responsible mindset and learn to be disciplined

Reduce and manage your expenses

Increase your income

Set specific financial goals

Believe me, if you can get a grip on this little checklist, you can get yourself out of debt.

Before I get into the details of how you’ll get yourself out of debt, I’m going to share a quick testimonial from Justine, who runs the Debt Free Millenials YouTube channel. Justine paid off $35,000 in 2 1/2 years on just a $37,000 income.

youtube

Let’s walk through the components of your plan to become debt free.

Developing a Financially Responsible Mindset and Learning to be Disciplined

If you take a serious look at the behavior that has gotten you into debt, it should be apparent that you need to change your perception on money and finances. Often, financial irresponsibility is a learned behavior, meaning that it came from being taught the wrong things about finances from parents or simply not being taught the right things about money. Many times, having the wrong attitude towards money comes from being entitled by parents or others who have shielded you from the consequences of not managing your finances enough to reinforce bad habits.

Whatever your background, it’s time to change your perspective on money!

Changing your mindset about finances takes some serious resolve. Often people have a hard time doing it alone without assertively changing lots of thing about their lives, shedding bad habits and weaving new, good habits into their lives.

The best way I can think of to develop a financially responsible mindset is to associate yourself with others who already have that mindset, or who are on a journey similar to yours.

You need to find and become part of a community of people who are determined to get out of debt themselves, and to help others get out of debt. Often, communities like the one you need involve a particular program or methodology that is being followed.

For instance, you may have heard of Dave Ramsey, likely the most popular person in the United States when it come to helping people get out of debt. Well, Mr. Ramsey has a program called Financial Peace University (available for about $130) that is taught at many local churches and community centers. You can search for a class near you by entering your city or zip code on the Financial Peace University sign up page.

There are lots of other local classes that bring together groups of people who are working towards getting out of debt. My own church, The Church of Jesus Christ of Latter-day Saints, has regular self-reliance groups that are designed to help members start on getting out of debt using a 12-week program outline. They don’t cost anything, and they include the concept of having an “accountability partner” to whom you report your progress throughout the week.

If you’re not ready to jump in and join a group yet, the least you can do is begin regularly listening to media streams of these people who are experts at getting out of debt. You can tune in to Dave Ramsey’s radio show each day of the week, and you’ll find your attitude towards money start to change as you listen to people call in and get advice about their specific situations.

To give you an idea of what a debt elimination program looks like, here is a list of the “Baby Steps” used in Dave Ramsey’s debt elimination and wealth building program. You can read more details about these 7 baby steps here. Many of the steps deal directly with debt, and others work on building your wealth.

Baby Step 1 – Emergency Fund: Save and set aside $1,000 that you can use for emergencies.

Baby Step 2 – Begin Paying off Debt: Use the debt snowball approach to pay off debts, beginning at the smallest and working up to the largest.

Baby Step 3 – Expense Fund: Save enough money to cover 3-6 months of expenses.

Baby Step 4 – Begin Investing: Invest 15% of your income into Roth IRAs and pre-tax retirement funds.

Baby Step 5 – College Fund: Set aside money for your children to attend college using 529 college savings plans or Educational Savings Accounts (ESAs).

Baby Step 6 – Pay Off Home: Avoid wasting money on mortgage interest payments by paying as much as possible to get rid of your mortgage.

Baby Step 7 – Build Wealth: Put your money to work and build wealth while also contributing to charitable causes and to your posterity.

Reducing and Managing Your Expenses

No matter how much money you make, if you don’t learn to manage your expenses, you’ll find that you can always spend as much money as you make, and you often look back and wonder where your money went.

Tracking Your Expenses Habit: One of the first steps to effectively managing your expenses, bringing them in line with your life vision, is to simply track every expense you have over the course of a month.

You can start this habit today. Simply create an entry in a spreadsheet, a notes app on your phone, or whatever is the most convenient, whenever you spend any money. Record the amount you spend on your groceries, your cell phone, cable, internet, and other regular bills, your mortgage or rent payment, money spent out on a dinner date, going to the movies, everything!

At the end of the month, tally up how much you spent. You’ll likely be surprised not just at the total, but at some of the amounts you spend on various “categories” of expenditures, even if you haven’t officially formalized your spending categories in an official budget.

Simply starting down the path of discipline by tracking your expenses is a powerful way to put some distance behind you on your way to creating the more thorough and complete budgeting system that will shore up your finances.

After you’ve started tracking your expenses, you start to have a much more informed understanding of how your hard earned income is returned back to the world in the form of expenses. You can now begin to form strategies based upon the data you’re observing. For instance, you might look at your car payment and have the epiphany that you don’t need such an expensive ride. You might decide to sell it and get something that doesn’t require payments, but that works for you functionally and gets you where you need to go. You might realize that you’re spending way too much on soft drinks and snacks, on eating out, on other habits that you’ve known weren’t great, but now you can see more clearly what the financial impact is, you can make up your mind to reduce or eliminate those expenses from your spending habits.

Creating a Budget: The next major step is to create a budget, which acts as a monthly, weekly, and daily way to ensure that you spend with intent, not by accident. Managing expenses using a budget allows you apply a higher-level perspective to what you’re doing on a daily basis. As you prayerfully, thoughtfully plan on a regular basis what you should be spending your money on, then put that plan into action during your daily interactions with spending opportunities, you will have greater control over what’s going out of your account.

Increasing Your Income

The other side of this debt elimination equation is obviously how much income you make. It makes sense that the more money you have available to put towards paying off debts, the quicker those debts will be gone, and you can start using that extra money to invest and build wealth.

The quickest way to increase your income is to pick up more hours at your day job, get another job part time, or take advantage of some of the many ways that exist to make money outside of your full-time job. Many of the financial gurus recommend getting a part-time job delivering pizzas or waiting tables, jobs that don’t require long-term commitments, but that can be used to quickly pay down debts that may be costing you far too much in interest. Quickly adding a few hundred extra dollars per week to pay down the principal will have a compounding effect on that money’s ability to pull you out of debt.

There are many jobs, including doing freelance writing and other one-off contract work, that you can do from home or that you can fit into 30 minute blocks of time. Those opportunities give you even more flexibility with regard to snagging some extra cash to use for exterminating your debt.

If you’re in a situation where your income versus debt scenario means that you’ll be paying off your debt for years, you might consider how to quickly gain the skills and tooling you need to increase your income substantially at your full-time job. For instance, many companies will give a promotion or pay raise for an employee who passes a certification or demonstrates a skill that the company attaches more value to. Some people find it appealing to change their career altogether to something that is simply more lucrative, but that doesn’t take a lot of time (like a 4-year college degree program) to get into. Sales jobs are often opportunities to increase your income substantially without needing to spend significant time and expense getting a drawn out formal education at a university. An entire industry has been launched out of the constant need technology companies have for software developers and other technically skilled employees. Those who have the propensity for it can enter a technology boot camp program and learn a completely new, highly valuable skill set in a matter of a few months, seeing their income go up by as much as double what they earned in their previous career.

Regardless of how you want to approach this income side of the occasion, it’s worthwhile to consider whether you might need to make a few changes to increase your earning power, even spending more time working, at least until you can get caught up on your debt.

Setting Financial Goals

While you’re in the business of getting rid of your debt and relieving yourself of that burden, it’s a good idea to talk about setting financial goals, even ones that go beyond debt. I’ll share my own experience with setting financial goals.

When my wife and I were married more than 16 years ago, we started our marriage with some debt, about $10,000. Although we hadn’t been entirely irresponsible with our money, we also hadn’t been very intentional. We wasted some money. We made some bad decisions. We weren’t on the best path for avoiding debt.

Together, we sat down and made a plan to eliminate our debt and to move beyond that. Our plan included reaching a million dollar net worth within 10 years of being married. To accomplish that goal, we knew we would have to become very careful about managing our expenses as well as increasing our income. We read a book called, “The Millionaire Next Door” together, and we talked about what the concepts explained in that book meant for our family in particular.

We accomplished our goal on time, and we’ve been blessed for focusing our financial attention on a shared goal that gave us a lot of freedom. We now have seven kids who we’re able to provide for, including giving them a complete education in music (which gets expensive), supporting them in participating in competitive sports (which is also expensive), and providing them with travel and other experiences that we simply would not have access to if we hadn’t set financial goals and repeatedly evaluated how we were doing in terms of those goals. We’ve also had the means to help people out through donating to charities at church and in the community, and we’ve been able to help family and friends financially because we exercised discipline early on in our marriage.

Whether you’re married or single, in addition to determining to get yourself out of debt, make a financial plan that takes you through retirement and puts you where you want to be to enjoy your future.

Get started today.

It’ll be worth it.

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mikebrackett · 6 years

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7 Ways to Lower Your Annual Expenses Without Killing Your Joy

In order to build our wealth, we need to spend less and invest more. The problem is that spending less of our money doesn’t sound like a lot of fun. That’s what money is for, right? You have to enjoy it because you worked hard for it.

New clothes, dinners, the latest tech gadget and nights out with friends can make us happy!

What if we could have both? What if we could spend less of our hard-earned money on the things that don’t bring us joy and spend more on the things that make us happy and have more money to invest?

Well, I have seven areas for you to consider that may just do the trick. They have worked for me and my family, and I want to share them with you. After all, personal finance is about maximizing happiness in my book.

Investigate High Deductible Insurance Options

In order to protect yourself and your family, you need to have proper insurance coverage. That being said, we don’t need to overpay for it if we don’t have to.

If you have a good emergency fund in place, you may be able to look at high deductible insurance plans. By shifting the burden of the higher deductible onto yourself (instead of the insurance company), most providers will give you a break on your monthly premiums. For example, when our family went to a high deductible health plan (HDHP), I was able to decrease our monthly insurance payments by around $200. That’s $2,400 per year!

This higher deductible concept can work for your homeowners insurance as well as your car insurance. Be sure to speak with your insurance agent to understand if you’re properly covered while still being able to save some dough. The last thing you want is too little coverage in case an unexpected incident occurs.

Examine Whole Life vs. Term Life Insurance

Everyone’s situation is different and there’s no one-size-fits-all for life insurance. If you’re looking to save money and still keep your family protected, researching a good term life insurance as a replacement to your whole life policy is a smart idea.

Typically, the premiums will be 10 – 20 times higher with a whole life policy than with term. Given this, a term life insurance policy holder will pay much less.

Again, insurance is very personal, so it makes sense to do your research on any monthly policy savings as well as any differences in coverage. This could be a smart way to save a good chunk of money each year without cutting into the fun stuff.

Shop Around and Negotiate

We shouldn’t always pay the face value. There’s always room for negotiation. And when we do negotiate, we feel good about ourselves for scoring a deal!

Some easy areas to negotiate are rent, retail items, cable, cell phones and insurance.

By simply doing your research beforehand and finding competitive offers or rates, you’ll come to the conversation prepared. For example, if your cable company isn’t giving you the best pricing lately, contact their competitors and find out what deals they have. Share those prices and deals with your provider and say, “I’m looking to save money on my monthly bill. What can you do for me?”

You’ll be surprised at what an hour of research and bit of patience on the phone can do for your monthly bills!

Review Your Subscriptions

Our monthly subscriptions and memberships can really add up. Netflix, Hulu, Audible, Amazon Prime, the local gym, cable TV … the list goes on and on.

Now, there’s nothing wrong with these things, and if they bring you massive joy, I’m all for it! Here’s the challenge for all of us, though: Which of these memberships and subscriptions are we not actually using? Which of these are not actually making us happy?

Let’s say you got Netflix years ago, but you haven’t watched a show on the streaming service in over a year. If that’s the case, you should stop paying for it.

Similarly, if you’ve had that gym membership all year, but you’ve only gone once, it’s time to reconsider if you’re a gym person or not.

These subscriptions and memberships can add up, take over your budget and put you in debt. Ask yourself if they’re worth it.

Groceries

Depending on where you shop and how you shop, a huge part of your annual expenses can be consumed by your groceries. There may be a few grocery store hacks that can save you big money and still keep you healthy.

Consider shopping weekly and shopping with a list. By reducing the amount of trips you make to the store and having a set of specific items to purchase, you’ll more than likely cut your grocery spending dramatically.

Additionally, check out discount grocery stores like Aldi. You have to bag your own groceries and return your own cart, but small inconveniences like this will put money back in your pocket. My wife and I made these changes for our family and our grocery spending went from $900 per month to $600 per month. Yep … that’s $3,600 per year in savings!

Pack Your Lunch

While you’re at the grocery store, be sure to pick up some items so you can pack lunch for your busy workday.

This small act could save you hundreds of dollars per year and, depending on what you’re eating, it could be a healthy alternative to eating out every day.

There are tons of healthy lunch options to consider. Check these ones out for starters!

Travel Rewards

Travel is so much fun, but it can be very expensive. Flights and hotels can add up to thousands of dollars and push us further into debt.

Taking advantage of travel rewards through credit card offers can be an easy way to keep travel in your life for a fraction of the cost. The next time you’re considering a trip, look into a credit card partner that helps you get to your destination for the smallest cost possible.

You’ll need to be sure you’re not adding additional high interest debt into your life to go on vacation. Be sure that you pay off your credit card bill in full each month so you’re not vacationing on credit. That sunny vacation won’t feel so good when you’re paying 20% interest.

If you plan things safely and accurately, you could experience thousands of dollars of (nearly) free travel.

How do you save money without killing your joy? Let us know in the comments below.

The post 7 Ways to Lower Your Annual Expenses Without Killing Your Joy appeared first on ZING Blog by Quicken Loans.

from Updates About Loans https://www.quickenloans.com/blog/7-ways-to-lower-your-annual-expenses-without-killing-your-joy

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aaltjebarisca · 6 years

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7 Ways to Lower Your Annual Expenses Without Killing Your Joy

New clothes, dinners, the latest tech gadget and nights out with friends can make us happy!

What if we could have both? What if we could spend less of our hard-earned money on the things that don’t bring us joy and spend more on the things that make us happy and have more money to invest?

Investigate High Deductible Insurance Options

In order to protect yourself and your family, you need to have proper insurance coverage. That being said, we don’t need to overpay for it if we don’t have to.

Examine Whole Life vs. Term Life Insurance

Typically, the premiums will be 10 – 20 times higher with a whole life policy than with term. Given this, a term life insurance policy holder will pay much less.

Shop Around and Negotiate

We shouldn’t always pay the face value. There’s always room for negotiation. And when we do negotiate, we feel good about ourselves for scoring a deal!

Some easy areas to negotiate are rent, retail items, cable, cell phones and insurance.

You’ll be surprised at what an hour of research and bit of patience on the phone can do for your monthly bills!

Review Your Subscriptions

Our monthly subscriptions and memberships can really add up. Netflix, Hulu, Audible, Amazon Prime, the local gym, cable TV … the list goes on and on.

Let’s say you got Netflix years ago, but you haven’t watched a show on the streaming service in over a year. If that’s the case, you should stop paying for it.

Similarly, if you’ve had that gym membership all year, but you’ve only gone once, it’s time to reconsider if you’re a gym person or not.

These subscriptions and memberships can add up, take over your budget and put you in debt. Ask yourself if they’re worth it.

Groceries

Pack Your Lunch

While you’re at the grocery store, be sure to pick up some items so you can pack lunch for your busy workday.

This small act could save you hundreds of dollars per year and, depending on what you’re eating, it could be a healthy alternative to eating out every day.

There are tons of healthy lunch options to consider. Check these ones out for starters!

Travel Rewards

Travel is so much fun, but it can be very expensive. Flights and hotels can add up to thousands of dollars and push us further into debt.

If you plan things safely and accurately, you could experience thousands of dollars of (nearly) free travel.

How do you save money without killing your joy? Let us know in the comments below.

The post 7 Ways to Lower Your Annual Expenses Without Killing Your Joy appeared first on ZING Blog by Quicken Loans.

from Updates About Loans https://www.quickenloans.com/blog/7-ways-to-lower-your-annual-expenses-without-killing-your-joy

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sassyhottubstrawberry-blog · 6 years

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20 year old male toronto ontario G2 issued oct 2011 G1 DEC 2010 car 2003 toyota celica never been insured before quotes came up as 12000-16000/year i tryed it with a 4 door honda accord and it was 10000/year, i tryed 3 websites. Also is there an easier way to find auto insurance around toronto?""

Do I sign the certificate of title when selling the car to the insurance company?

My vehicle was determined to be a total loss and I have decided to give up my car to the insurance company. They have asked me to send the certificate of title and the DMV form (Vehicle transfer and reassignment form). The odd thing is that the insurance company asked that I do not sign the title document, but asked that I sign the DMV form. Should I sign both documents, or just sign the DMV form (will that be enough to successfully transfer the vehicle?) What will happen if I end up signing the certificate of title, even when the insurance company told me not to??""

Health insurance.HELP?

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

Driving without car insurance?

So, Im broke and I know its a really awful idea to drive without car insurance, but Im a little unclear about what the rules actually are. I know it is illegal to drive without car insurance b/c I got a ticket for it once when I just didnt have my proof of insurance with me, but it was a pretty small fine, is that the only legal consequence of it? I'm a pretty good driver, no accidents so far (knock on wood), and if I were to get into an accident it would probably not be my fault. Is it true if you get in a car accident without car insurance and its not your fault then you are still financially responsible for the damages to your car? ...Like because you dont have insurance the other drivers insurance doesnt acknowledge the accident or something? Anyway, as of 10 min from now my insurance policy will expire and im tempted to not get new insurance for a month or so until im more financially stable. What are the consequences im missing? Anyone know of really cheap insurance? other thoughts? BTW im still paying down the last couple thousand dollars on my car so I think i may be required to have full coverage insurance or I default on my loan, but im not sure. My loan is through a credit union, what may be the consequences if they find out?""

How i find my id of Reliance Life Insurance?

How much on average do you pay for auto insurance?

My mother is kicking me off her auto insurance and i can't get an online quote because she also took my car away but says i still need insurance to drive any car. She lies sometimes so idk what average insurance cost and idk how to get it without having a car to put it under?

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

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

Car insurance company wont pay for my car? /:?

I got into an accident like 6 or 7 months ago. I was making a legal left hand turn and she tried to pass me on the left while I was making that left and obviously she hit me. she lied to the police and said I was pulling out from the shoulder and I didn't look to see her coming and the officer believed me and wrote my story down on the report cuz that's actually what happened lol. her insurance company (Geico) is obviously taking her side cuz they don't want to pay and even though they have the police report they are only paying me 50% and that's just unacceptable. Is there anything I can do to make them pay for at least 75% of it?( besides eyewitnesses cuz there were none )

Where is a good place to get classic car insurance that will let me commute - not only use the car for shows?

Most insurance that I'm looking into for classic cars are not willing to insure your car if you commute to work and school. They only want to insure cars that are used in shows, parades, etc. I will not drive my car every single day to work...maybe a few times during the week. I bought the car to enjoy it, not let it sit in the garage!""

How much cost an insurance car in North Carolina?

Cheap Hazard Insurance?

Does anyone know where to buy cheap hazard insurance online? I heard of this company that gives free quotes. CheapHazardInsurance.com I have property in Florida and and the hazard insurance is killing me thats why i need to get cheap hazard insurance. Thanks in advance...

""Poll: Hey, can I borrow your car?""

Poll: Hey, can I borrow your car?""

Insurance company and liability coverage on a leased car?

My sister is leasing a car and she changed insurance company last month. Don't know how this insurance Company gave her liability on a car that's not her's but they did it. She said they didn't even ask if she was leasing and when she asked how but full coverage was she said it would be to much. So lets just get this one. Now she just got into and accident on xmas day and her car is damage badly. The insurance people said they cant do anything with her car because of the coverage but I think that's not fair because she is still leasing on that car. What can be done can she sue the company on is it just her lost.

Does cheap health insurance exist?

I relocated because my wife found a better job but problem is I don't have insurance now my current job doesn't offer it and I can't jump on hers for like a year. Is there such a thing as affordable insurance as in under $150 a month for basic doctor visit co-pays and rx?

Need help with car insurance?

Needing full coverage auto insurance and I'm looking for the cheapest route, any suggestions on who to go with?""

Which company deals with indemnity title insurance for remortgaging?

I want to remortgage my property and have been given an offer by a lender, however I can't complete without indemnity title insurance. Norwich Union no longer does title insurance due to the credit crunch, is there anyone else who can help me?""

Cheap car to insure?

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

What would insurance cost for a 16 year old?

I turn 16 in two weeks and i might be getting an Infiniti G35 coupe. We have state farm and i can't due a quote since i don't have my license yet. Can anyone give me an idea of how much the insurance would cost?

The Car insurance company gave me a low estimate on repairs?

Long story short. Not my fault. I can not take this up with my insurance company because I don't have one. We got his info. My car has 140K miles on it. It's worth about 2K. It wouldn't be worth it to fix it. I decided to get the estimate and put the cash to another car. I have not signed anything yet. Insurance Company Quoted $1013.76 Auto Body Shop $1162.04 Ford Dealership $1284.90 271.14 difference. I asked to split the difference between the auto body shop and the Ford dealership. The Insurance compnay ofcourse said no. What should I do? If I had gone to an auto body repair shop of my choice with 1013.76 in hand they would have called the insurance compnay and asked for them to kick down more money. So I think it's fair that I get more cash. Don't even get me started on the medical. My health insurance is getting billed. Not the insurance company.

What can I expect to pay for car insurance? details inside.?

I'm 18, First time car buyer, And I know little about buying. (I feel like I'm writing a personal ad haha). Here's the deal, me and my parents don't see eye to eye on buying a car, so i have to prove to them can afford car insurance BEFORE I even look at the car. So I don't have the car yet, and I called several places. they won't give a quote unless you have the car and then I still have to give them a lot of info about me first. So I'm stuck lol. Can you please give me a rough quote on what I will pay? Also make sure you include the price and for how long (Meaning tell me if that price is for 3, 6 months, year, etc.) Here's the car: http://baltimore.craigslist.org/cto/1037323276.html Details: I live in Aberdeen, Md 21001 (Town of 15,000 people, low crime, only busy certain times of day because of the military base we have) I will use the vehicle for driving to work mostly, about 10-15 miles day (I never leave town really). Clean Driving Record No Credit, but I have a co-signer ready for buying the car I want average liabilities, not state minimum but not expensive. PS I am already planning on having a mechanic check the car out before buying, please don't go on a rant about the car itself or Craigslist lol.""

Can a cancer survivor get Life Insurance?

I am a cancer survivor, one time it was stage 3 and recently stage 1. Two different cancer. I am considered cancer free and healthy. I worry for my children and do not want them to be left alone w/o money in the future. Their dad left us during my first cancer diagnosis for another woman. He rarely contacts his kids, I do not know if he will be there for them in the furutre.""

""Can anybody suggest an affordable health insurance company for a low income, young man?""

I would really like to have the ability to go to the doctor when I need. But, I can't seem to see the necessity of having health insurance. Being it so expensive, and that I so rarely need to seek medical attention. On the other hand, the clinic in town will not schedule appointments for anyone without insurance. I would like to be more concious about my physiological self with the advice of a medical practitioner. But, not at the cost of hundreds of dollars a month, which I can't afford. Its just not in the cards. HELP!""

How much will a dwi increase your full coverage insurance?

that is, of course, if the insurance isn't dropped all together. it's already high because i ran into a parked car last year (and no, was not drinking). so how much will it go up (% wise) for full coverage and then what percentage for just liability?""

Will my car insurance premium go down in price when i pay off my car?

I'm not sure if it's even a factor in the price of auto insurance premium but I'm getting close to paying off my car and would like to know. Thanks!

Cost of car insurance in bc?

Does having a coupe make your insurance go up?

I'm am planning to get a Honda civic and i was wondering if have a coupe would increase my insurance rates ...... and also does having that same car in red make it go up too ??? thanks for all the help :D

What is the average price for insurance on teenage drivers?

If I want to insure my teenage driver on my car, how much do you think my insurance would go up? And how much would it cost to insure my teenagers own car? I've heard that insurance is normally lower for teenage girls. Is that true? Thanks""

Need cheap TAXI CAB insurance... anyone know any companies?!?

Im based in southern California and I'm using a crack pot shop called Fiesta insurance and their thru the roof! I cannot find any Taxi insurers for a growing 2 car company! Need help, I've left messages with numerous companies and the only ones that call back are the ones who don't offer insurance for my needs... ANYONE have any info? I'd be most grateful!""

What would be my car insurance quote?

I tried to do an online quote but it said I have to be 18. I am 17 years old. I live in Maryland and I am in 11th grade. The car is Used 2005 Chrysler Sebring Touring fully paid for. I am not going to get the insurance until the August of 2011. I am a C average student. I'm moving out of my parents place next school year. I have never had a car before (no accidents, no DWI, etc..) I am not a part of any organization. Can someone do an estimate quote for me? Because I have no idea. I figured it'd be somewhere near 300. Thankss.""

Is what my car insurance company doing legal?

I am in the process of purchasing a house. I received a quote from the insurance company I picked. And they said they could lower it even more if we add our 2 cars on. So they checked, and their offer for insurance on our cars was lower then what we are paying now. So saving us even more money. I went in, signed the papers for both auto's and the homeowners and was happy. They cancelled my previous auto insurance policies, and charged me my first month. Now, a week later, they are saying due to my previous car being stolen two years ago they can no longer offer me my 100 comprehensive deductible. They can only offer me a 1000 dollar deductible and if I choose not to accept they will cancel my auto insurance. This if frustrating considering my other insurance which wasn't bad to begin with has already been cancelled and I have already been charged my first month so if I don't accept I will have no insurance and my homeowners policy will go up in price. Sorry for the long explanation. I just don't think they should be able to get you in then change things up on you. Is there any law against that? Thanks for your help!!!""

How i find my id of Reliance Life Insurance?

I am 16/m and looking for a cheap car insurances?

Im currently living in nyc, I am 16/m and looking for a cheap car insurances. Does anyone know of any?""

""Car insurance rate, Toronto, 18 year old?""

How much for a MALE 18 year old, 20 year old, and 25 year old would car insurance cost if you got your License when you were 16. In Toronto.""

Why are insurance policies with deductibles cost less than insurance policies without deductibles?

what two reasons for why insurance policies with deductibles cost less than insurance policies without deductibles, and then briefly explain your reasons.... micro economics is confusing""

How much my insurance be on a Lamborghini? ?

Hi I have looked at a few quotes online but I haven't found a site that will insure me or give me an accurate quote. I'm 21 been driving two years and the car is a Lamborghini Gallardo Sypder. Thanks

Beach Buggy Insurance at 18?

Ok so me and my dad have been working on this unfinished beach buggy project (now almost done maybe a month more). I'am a male student that has just finished my second year of college and have had my licence a little over a year (got my licence at 17 to get it out the way) I have never owned a car/been insured on a car and was wondering what sort of prices it would cost to get insured on a beach buggy at my age, the initial plan was for me to get something like a corsa when im 19 and try get insured on the buggy when im like 21. would anyone even insure a VW beach buggy on an 18 year old without no claims bonus? and if so how much do you think im looking at (if some answers seem reasonable i might call adrian flux to see if i can get a quote""

How much would a street bike cost to insure?

like a gsxr 1000. Just the price range.

Has legislative push for affordable insurance been cut short in the u.s congress?

Driving without insurance?

I got pulled over for driving someone else's car in the wrong lane. He had his insurance in the glove box, but all i had was my license. I got my license less than a month ago, but dont have any insurance of my own. i got a ticket for improper lane and have to go to court. Is there a grace period for insurance or am i completely and utterly screwed? I live in Illinois btw""

How much do you guys pay for Honda S2000 car insurance?

I got a quote for 490 for 6 months. Full coverage from state farm for a 04 Honda s2000. Is this good?

Car accident in California with no insurance. What do do now?

A friend of mine just got into a car accident in California. He was test driving a car. The guy who wants to sell the car was in the passenger seat. My friend was unfamiliar with the area and the guy who wants to sell the car told him to turn right. While doing that he crossed another lane and got hit by a car driving there. Both cars got quite damaged, but no one got injured. Police came and filed a ticket against my friend. He does not have any insurance. What advise could I give him? What should he do next? I don't live in the states so it is kind of hard for me to help him.""

How can I buy car insurance?

Sorry, my real question is as follows: My mom owns a car, and I want to drive the car and get it insured. I do not know if I can find an auto insurance agent and tell her or him that I want to insurance the car for myself alone, without paying insurance fees for my mom. I just want to insurance my mother's car and drive it by myself without paying any premium fees of insuring both mom and I. Any one has experience about that? Is it possible?""

When my boyfriend turned 18 he lost his health insurance. where can he get health insurance at?

He doesn't see the importance of it, but I know he needs it. dental and health insurance. He doesn't make a lot of money either.""

Can you get car insurance for a vehicle you build from the ground up?

I am considering building a car from the ground up as a project. I have noticed that there are similar cars that are collectors, but none with the creature comforts todays cars have, so I was interested in attempting to meld the old and the new. Is it possible to get auto insurance so that you can drive such a car on the road?""

Insurance Companies?

What kind of jobs are there at insurance companies and what is the salary for those jobs?

What kind of health insurance should I get?

I'm 20 I live with my parents we have U visas I know I don't qualify for Medicaid but I know we have to get insurance or pay the fine. What are my best options? Something affordable. Any advice would help because I know nothing about this! Thank y'all

""Hit and run accident, should insurance pay for my auto damage?

Here is my situation that I'm confused about. About a week ago I went to church and parked my car. Next thing I know is that someone was driving stolen (Yukon) car and has hit the ...show more

I am in need of health insurance. Is there any kind out there affordable to a spouse of a D.A.V.?

My husband is rated 100% disabled with the U.S. government.

What is the best car insurance for a traveler?

Hi, me and my partner just bought a car in Auckland. We are traveling around New Zealand for around 9 months and was wondering which is the best vehicle insurance we can get.""

How much would it typically cost to replace basically an entire front end of a car?

I was hit by a car shooting out of a drive way and it totaled my buick le sabre. I want to know so that i dont get jipped by his insurance.

""Buying used car, no insurance, 18 yr old 2 year driver?""

I just need to know the process before buying a used car, i found a good deal on a car, and it's an 80 mile drive to san diego. I have a nevada license which i'll be changing to a ca license by tomorrow and I'll be getting a temporary license until they mail me the card. What is the process of buying a used car. title and all of those things. Because i'll be driving back with no insurance, and i can't get one until i bring it back to my side of town. Can i get a temp one? or i can use the one that is with the car? do i have to do this process at dmv in san deigo? complicated process""

How do I get health insurance?

I am a heart transplant patient without health insurance and am on disability for 8 months. I am not able to recieve coverage from anyone and have large medical and prescription costs.

Affordable care act being implemented question?

How would you explain when/how the ACA is being implemented? I'm writing an article and here's what I've included in the first paragraph: As the new Affordable ...show more

Will a sports car make my insurance more expenisive?

Im 18 years old and my parents just bought me a sports car. No, I'm not spoiled. They got it for me because its miles were under 100k, it was only 2000 dollars, and it wasn't ...show more""

Whats the cheapest quote you have gotten for your car insurance?

were you happy with the quote? what company was it with? are u still with that company?

AAA car insurance wont return my phone calls?

i was in a car accident on the fourth of july and the guy ran a red. he hit my car and totaled it leaving me injured and now out of work for almost a month. the police report was sent to both insurances (mine & his) saying he is at fault. i and my insurance (state farm) have tried calling his AAA agent several times and they still have not called back. i have also called the supervisor with no returned phone call from her as well. ive asked my insurance and they basically told me to wait for them to call. im getting impatient and i was just wondering if anybody else has ever had this problem? im frustrated and not sure what to do.

How i find my id of Reliance Life Insurance?

How much would motorcycle insurance cost for a 17 year old boy?

Why is car insurance exhorbitant for 17 year olds and migrant workers run round with insurance thats cheaper?

Where is the best place to get affordable dental care in portland oregon without insurance? Thank-you! ?

Car insurance quote?

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

How can I obtain drivers insurance when neither parent has a license in California?

because insurance is a binding agreement that requires one parent to have a valid license, and neither of mine do, I cannot buy auto insurance. - My grandparents will not help me either I have 1000$ to buy insurance, and I will drive either way, insurance or not, is there any loophole around this law? thanks.""

Which is the best insurance web site?

I just wanna which is the best insurance quotes website?

Car insurance for 16 yo?

Imma get me a car from craigslist.... haha its a 97 honda accord im 16 live in phoenix az nd my moms has bad credit sooo. How much is insurance gonna be ?? Can i get the car in my name at this age? Wouldnit be cheaper to get it in my moms name?? I know nothing bout diss aha. Car has clean title btw.

Car Insurance Rates: Wyoming vs Nevada?

How do pilot insure themselves in the USA?

Is that covered by the owner of the airplane or do they need to have their own personal insurance?

""How much to insure a 94 ford pickup w/ 120,000 miles for a 16y male?""

Numbers only please(no, well its alot or Get a quote online ) its gunna be insured either under a friend at 35+ or by my self. also some advice on what companies will take a 16yo alone would be very helpfull""

Auto Insurance in Indiana?

I have had Progressive for many years and no claims.We do deserve cheaper rates because of our age and driving record and low mileage. I recieved a much lower quote from Indiana Farmers Mutal Insurance. I have a 2000 Tahoe that is like right off the show room floor and I understand most companies are allowed to relace parts from a junk yard or for much lower than would it would cost unless it is under 2 years old. Has anyone placed a claim with either of these companies and what was your satisfaction? Because of the condition of our Tahoe, which is perfect and just over 30 thousand miles and a limited edition, who has ideas on the best auto insurance out here in Indiana?""

A few questions about insurance and motorcycles in general.?

-A friend has an old 600cc Harley in his garage from 1980's I believe. He says that it could be repaired with a little TLC. How much would it cost to insure it for an 18 year old with a clean driving record and a fresh motorcycle liscense? -How much

Best place (in australia) to get car insurance???

hey ive just finally bought a car now i want full comprehensive insurance weres the best place to go through? like aami,racq,nrma,real....etc thank you.""

What is the average cost of insurance for box truck owners?

looking to start a company and i am wondering how much it would cost so i can get the ball rolling.

Will insurance total out my car?

When insurance companies figure out what your car is worth..do they go by the private sale value or retail? I got a bunch of hail damage and I see the claims dept. tomorrow..just wondering if they might total it out. Damage is just over $6,000...car is worth $6,500 - $8,700 depending on which way they look at it.""

""Car Insurance....what to buy, how to buy.?""

What websites can I go to to find out what to buy , where to buy, what companies to avoid, the Best car insurance companies, etc. ? What companies do other people recommend for single, middle aged male, with an excellent FICO score, who wants to insure one 5-yr old 4 door family -type sedan ?""

""Alaska is the worst state for women, does anyone care what the worst state for men is?""

http://shine.yahoo.com/healthy-living/is-alaska-the-worst-state-in-the-nation-for-women--202627073.html As for crime and imprisonment, the number of women going to prison in Alaska is growing: In 2007, women made up 6.5 percent of Alaskas prison population, but that number had jumped to nearly 11 percent in 2011. Alaskan women are slightly more likely to have health coverage than Alaskan men, but the coverage for Alaskan women is still below the national average, with 21 percent going without (compared to the national rate of 20). -So that means the male prison population in 2007 was at 94.5% and it went down to 89% in 2011. We can't have that! All we care about is the female prison population growing and how we have to stop it. We need more males in prison to get us back to 94.5 percent. And while more Alaskan women have health insurance than Alaskan men, they're just below the national average with 21% of women going without insurance. Who cares that more Alaskan women have health insurance than Alaskan men? We're only concerned about women here, and we have to lower the number of women who go without health insurance. forget about the men. And women in Alaska, make only 67 cents for every dollar a man makes. -Not too surprising since Alaska is mostly an industrial state with lots of mining, logging, fishing and other male dominated industrial jobs that women typically shy away from. As far as homelessness is concerned, only 25 percent of single people in shelters were female in 2012but, for adults in shelters considered part of a family, 62 percent were women with children. -Who cares that 75% of single people in shelter were men in 2012! The suicide rate among Alaskan women is rising. -I'm sure the suicide rate among Alaskan men is even higher, but again we don't care about the men. So why the raw deal for women in this state? It may have something to do with the ratio of men to women there, which was noted in the state report as being higher in Alaska than in any other state, with 108.5 males to every 100 females. Nationally, there are 96.7 men to every 100 women. -So because there are more men than women in Alaska, that's why women are suffering!?!""

Can I alter a car insurance quote after just a few months having paid an annual premium?

I have a provisional license and I receive my first car in a few days. I want to get insured to drive it and I've entered that I only have a provisional license on the quote. I want to pay an annual premium to get the best deal, however I'm going to have a full UK license in just a few months time. I'm happy to stick with the same insurers for the next year, but can I alter a quote after a few months having paid an annual premium?""

Auto Insurance for 18 yr old with 2012 Kia Soul?

Estimate of what it would be at most? i have taken a drivers ed class and passed in high school and can have them take the money right out of my bank account for the monthly payment and had a b average in school.

I am moving to California on a J1 visa do I need to get a californian driving licence?

Hey, Im moving to Los Angeles for a year this month on a J1 visa. I need a car for the internship I am doing. I was wondering would I need to get a californian driving licence. I checked the dmv website and it says that If I am becoming a residnent I would need to get one. A resident is considered someone voting in an election or paying homeowners tax which I won't be. I just need it set clear whether or not If I need a california licence to drive or will my British one be ok? Also will insurance companies insure me on a foreign licence.""

Can I be under my uncle's car insurance?

My uncle just bought a car for me as a gift, however it is under his name. Is it possible for me to be added as a driver under his insurance, even though I am under my parent's insurance? or would I have to add that car under my parent's insurance? This is all so confusing.""

""If your auto insurance expires today, do you get a grace period?""

If so, how long is the grace period?""

Term life insurance - which is a good company?

I have home and car insurance with Allstate for many years. Now, I am looking for term life insurance. I know exactly how much term life insurance I need. Do you know which one is better and cheaper company? I did some research and it looks like Prudential, Allstate, New York Life and State Farm are good companies. One of the criteria I have is that company should be there and should provide good service to my beneficiary if I die during insurance period. Does insurance agent (how good or bad) matter? Or once I decide to a company, then can I go to any agent or should I look for something specific in selecting the agent?""

Cheap car insurance for young drivers?

Where can i get cheap car insurance? I'm now 18, and I did use to drive a 1.2 Renault Clio, but I had to sell it, because the insurance was so high. I've been looking at other cars with small engines, and I have been using price comparison sites, but the cheapest quote I ever got was 3000 (and have done Pass Plus too!!) Is there any way to make insurance cheaper, or is there any insurance companies, that specialise insurance for young drivers with Pass Plus? And is there any other ways to make quotes cheaper? Please help :)""

Cheapest car to insure/ run in UK for a 21 year old female?

Someone said Renault Clio. Then someone said no, because they're branded boy racers. Then someone said Vauxhall Corsa. But then they're supposed to break down frequently. I don't like Ford Ka's or Micra's. Help me please! Aha x""

How i find my id of Reliance Life Insurance?

https://www.linkedin.com/pulse/im-confused-car-insurance-process-anthony-booker/"

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Car Insurance - Young Driver 18 years old Male - NEED HELP PLEASE!!!!?

I have recently passed my driving test (3 days ago!) and will be buying a car ASAP as I have a job lined up and have just left school. I've tried tens of comparison sites and even rang some insurance companies direct to try and get a better quote... I have looked at the smallest possible engine size, that being 0.8l and 1l engines. I've looked at cars such as FORD KA, Vauxhall Corsa, Nissan Micra, Renault Clio and a few others too. The cheapest quote I have found for all of the cars is for a 2000 Ford KA 1.3l 3dr 4 seats (the smallest KA engine size possible) and that price was 3,800 paying monthly with a company called My Policy . However, I have used various other KA registration plates all the same engine size but some being 2003 models or 2005 and the insurance jumps to over 6,000! I haven't found another FORD KA cheaper than 5,500 and obviously if I can't get that one particular car out of the thousands for sale that insurance quote will be invalid anyway. Basically, I've tried everything. Adding named drivers (with lots of driving experience 30+ years), putting my car in a locked garage, on the road, tried different cars - models, registration plates, ages, engine sizes, and not to forget the countless comparison sites. The funny thing is with MyPolicy I went onto their site directly to get a quote and they were unable to give me a quote when entering exactly the same information into the Tiger.co.uk comparison site, that site brought up the 3,800 quote with MyPolicy but when I use their site directly they can't give me a quote... I know insurance is based on MANY factors, believe me I understand that. I tried entering different post codes (just out of curiosity) and it did help, but only fractionally. It just seems (other than the 1 obscure quote of 3,800 on ONE car, out of the 100+ I've tried) that I can't get a quote cheaper than 5,000 for a car with the smallest engine size and insurance group possible... It's ridiculous. Please don't advise fronting because it's illegal and I want to build up some NCD anyway. CAN ANYONE HELP ME GET A QUOTE CHEAPER THAN 3,500?! Thanks a lot, -Ash.""

ChEaPeSt CaR iNsUrAnCe? (UK)?

WHAT IS THE CHEAPEST CAR INSURANCE THAT YOU KNOW OF. WEBSITE PLEASE. THANKSSSSSSSSSSSSSSS

Is liability insurance the same as renters insurance?

How can i get cheap insurance?

I'am going to be 17 soon and i going to buy a car so i was wondering what car should i buy or what shoul i do to get cheap insurance, because at the moment it's cost about 3.500 and that just too expensive... help please""

How much is the insurance for a ford mustang?

for a teen girl driver thats 15 with a permit

How much would the insurance be on a 1993 Acura legend coupe with a type II engine and skyline gtr body kit?

I have a link that shows pictures of the car so please give me your thoughts about what you think of the car itself and how high or low the insurance may be. Here's the link. http://www.cardomain.com/ride/562419/2

Who's car insurance pays for accident?

A young guy hit into the rear of my vehicle the other day. When I asked for insurance information he said he is driving his grandmothers car and he can't show me any. I don't know if he is telling the truth that it is not his car or not. He just gave me his name and phone number. At first I felt the marks were not bad but decided they should be fixed. He is hoping I don't pursue any damage claim. If this is his grandmothers car will her insurance pay for the accident or will his insurance?

How much would car insurance cost??????

16 yearold female in north carolina....how much would car insurance be for a pontiac solstice and a jeep grand cheerokee both paid off. give me amounts not wesites'

How much for car insurance?

My mom drives a Mercedes B 150 (about 5 year old car), she's Middle Aged and had a good driving record so her insurance is around 200-300pa. I'm nearly 18, and a new driver (passed yesterday), was wondering how much insurance would be for me if I was added onto her insurance. (just an estimation would be great!) Thanks in advance!""

Does motor size effect insurance cost?

I'm buying a 1991 Z28 camaro soon. I'm 17 and I want to know if engine size will matter. It's going to have a 305 V8 in it when I get it, but I would really like to upgrade to a 350 V8. My parents seem to think it will cost more for insurance, but I haven't found anything on the internet that solidifies this. Can someone shed some light on this topic for me?""

How much does full time RV insurance cost per year?

I know it's different for everyone but how much does it cost for you? And what size / class RV do you have? I'm just trying to get a rough estimate. Thanks

Whats the best landlords insurance?

we are looking for landlords insurance for a property rented to our local council. Which would you recommend?

What is the Cheapest Homeowners Insurance for Senior Citizen?

My elderly neighbor has had her homeowners insurance cancelled because she couldnt afford to pay it. She is on a fixed income and her children do not help in any way. She owns her home but is having a hard time with paying the large payments. her mortage company says that if she doesnt take out her own insurance then they will purchase it for her at a cost of 2100.00 per year. This is way too much for a Senior citizen. i got a quote for her from progressive for 2600.00. Are there any cheaper alternatives?

Average monthly car insurance in Vegas?

I'm loking at getting a 2001 bmw 325i. (no my parents arent buying this for me. its my money that i earned at work). I'm an 18 year old male. If you could give me a general idea of how much id be paying monthly that would be GREAT. I do vote people as best answer so if i like your answer ill give you 10 points :)

Child support/car insurance?

Ok so I just got my liscense and I bought half my trck and my mom bought the other half. So is it right for my dad not to pay for my insurance? And does child support cover car insurance. . .plz just give me your opinion/facts on the whole ordeal.... Have not found job just turned 15..btw Thank you all

Does two mortgages on a home make your insurance more expensive?

If I get a second mortgage on my house will my insurance go up?

Full Coverage Insurance ripping me off ?

I got a wreckless driving dui dropdown in ohio live in kentucky in my Nissan 350z was paying $70 a month for full coverage under my parents plan... Now 2 years later after dealing with a bunch of bullshit driving a pos car with just liability for $100 a month in insurance for 2 years I finally have enough to buy a 08 nissan altima and I checked what full coverage would be and they told me $300 full coverage cheapest so I gave a few different cars and still the same price....Does it make since if my car payment is only $220 a month why in the hell would anyone pay more for insurance..?? & before you start saying something like a troll would I live in the country there is no bus stops or anything so I need a vehicle to get to work and back at this point the insurance cost to much for me to even afford when you have a apartment on ur own and only making $13/hour full time America doesn't make a god danm bit of since is this what the world is coming poverty P.S I hope i don't hit anyone without insurance....if only insurance was affordable.

How much is auto insurance for a minor?

I'm about to get my license, how much is it to add me (16) to my parents car insurance? Don't give me anything like, It's different for everyone. I know. Just tell me what you are paying, or what you used to pay.""

Understanding my Co-Pay Insurance?

This is my co-pay insurance plan 90/70 (in network doctors/other doctors): Co-insurance 90% Out of pocket $4000 Deductible $4000 Here is one example of what they cover: Plan Network Co-pay for physical visits to the office Co-insurance 100% Co-payment $25 Co-insurance preventive 100% Out of Plan Network Deductible $12,000 Co-insurance 70% So, does this mean that I just pay $25 for a physical? Nothing more, unless something additional is done at the visit? When the co-insurance is 80%, does that mean I pay 20% of the bill? and... Is there a difference between Out of pocket and Deductible? Thanks!""

Which auto cost more for auto insurance sienna or rava 4?

Do I need car insurance to drive?

So I'm sixteen and use to think as long as the car had insurance I was okay. I have my license and sometimes I drive my moms car in case it was required since my mom really needs someone in the family to drive. Recently I was told I needed to be added to her list but my mom says since I have medical insurance it's okay? oO That I just need some sort of insurance in order to pay.. not necessarily car insurance. So if I get pulled over and police ask for my license [which I have] and registration [which I also have] would I get arrested and have my license suspended?

Where can I get a cheap health insurance?

health insurance is so expensive... where can I get those health insurances?? especially the cheap one... yea...the best cheap..not the worst cheap

UK car insurance groups?

Is there a website or some kind of directory that will tell me the costs of different insurance groups? I'm shopping around for a second-hand car and a lot of cars are listed as insurance group 7 or insurance group 14 etc etc, but I don't know what that means, I've been entering the details individually of cars that I'm interested in, but that quite laborious.""

Cheapest compulsory third party insurance?

I have got a 98 honda civic with no accidnet in the past 10 years and a clean driving record at Sydney NSW and its rego is coming, anyone know any good and CHEAP green slip company? preferabally around 300$.""

""Does the car title have to be transferred to your name before you get insurance, or insurance then title?""

in illinois.... ....a car was given to a friend. he needs to get insurance. does the title need to be transferred first? Also just moved to another state, so does the insurance need to come from the state the title was transferred in""

colorado insurance regulation 1-1-7

Will a 'C' Licence make my insurance cheaper....?

I currently hold a normal car licence (I'm 18) But I passed my Category C test today. For those of you who don't know what a category C vehicle is. I doubt you will know the answer to the question so please don't make up some rubbish... Will this make my car insurance cheaper considering I can drive a vehicle about 5 times the size? Also, I'm hoping to get my Artic licence next year, Will this make my insurance go down even further? I mean for my car, I already know my Lorry insurance is going to be INSANE. But I've got in the army as a Driver anyway so that doesn't really matter.....""

Car insurance rate for a 16 year old?

i'm going for my license in a couple months, but maybe trying to prepare a little in advance, but i was just wondering the average cost of car insurance per month? i know the younger you are, the more it will be. if it helps, the car i'll use is a ford fusion, and i'm pretty sure my dads insurance is allstate, if that matters much.""

What will happen because my auto insurance lapsed 2 months in Virginia?

We accidentally let our car insurance lapse for 2 months in Virginia. We paid the insurance company to get coverage again. What should we do with VA DMV? What kind of fine should we expect? Should I contact them? I'm mainly concerned about avoiding a suspended license.

How can i find the owner of the car and what insurance he's using?

Someone bumped into my car while I was working. I have a witness who gave me the license no. and I have reported this to the police but they said as it happened in a private car park, ...show more""

How do i fight GAP insurance?

hello.... so i purchased a vehicle in 2006..... didn't like it too much so i took it back to dealership and traded it for a different vehicle and bought full warranty on it. dealership said the warranty was good for 50000 miles or 4 years. the vehicle was totaled just recently and i owed about 7500 dollars on it. my insurance paid 6100 dollars for it and i was thinking ok no problem the gap will cover the rest , but the gap insurance is only paying 212 dollars on it. they said there was some left over loan on my old car which they will not cover... i don't know much this insurance crap but its really breaking my balls that i will have to paying almost a 1000 dollars out of my own pocket. is there any i can fight gap insurance and have them pay the entire left over loan??""

How much would my car insurance rise from 2 points?

Well i started driving at 16 and a half. I got in a hit and run and now i have 2 points on my record about a year ago. Now im 18. I wana know an approximatly how much my car insurance would go up

Do I have to register my car and change my insurance if I am an out of state student in California?

My insurance company told me that I do not need to change my insurance since I am a student living outside of my home of record address. Now, I keep hearing that I need to register and smog test my car in California since I'm currently living there while attending school. If I do such a thing, does that not mean that I will have to change my insurance to California rates? I do not plan on residing in California post graduation, does this make a difference also? Someone please help....""

Maternity Insurance?

I'm looking for health insurance that I can have for basic coverage, and at somepoint (if needed) add maternity coverage. Everything I have looked at so far will only cover ...show more""

Will my premiums go up on car insurance if I'm not At Fault?

I live in the state of Michigan. Someone rear ended me at a stoplight. My tail light is broken and my bumper is sagging along with other minor scratches etc. I have 2 main questions ...show more

Tour guide car insurance?

I am thinking of setting up a new business where I would offer car tours of the Cotswolds, I was wondering if there was any special car insurance (or/and other insurance/licenses) that I would need? I have Nissan x-trail 04 number plate. I have been on comparison websites, put in my occupation as travel and tourism then tour guide and it comes up with lots of quotes, but when I ring them to confirm that they are actually covering the correct things they say that they don't cover it. So does anyone please have any specific things that I will need in order to be fully/properly covered? Note: Everyone tour I do is pre-booked, I can not be 'hailed' on the street to do a tour, so I am not a taxi.""

What are some car insurance people?

I know Progressive, and Geico. Who do you use? who do you not use and why? We just got a new toyota Sienna and i want to shop around for cheap insurance.""

How much would auto insurance cost if?

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

How do I get health and dental insurance?

I am getting married soon. I will be 18 and he will be 21. I have blue cross blue shield through my dad's work and the magnolia health plan(kinda like medicaid) bc I was adopted. ...show more

Car insurance queries?

A good friend of mine had an accident in another friends car. It was his fault but his insurance company have said his insurance does not cover him as the vehicle he was driving is classed as a car derived van. The insurance company state that the policy only covers third party cover for other motor cars and claim a car derived van is a commercial vehicle. Even though its not used as a commerical vehicle, The vehicle in question is a Peugeot partner 600 and its v5 doc claims calls it a car derived van and it falls in the PLG class. Is this right what the insurance company are saying ?""

Can i get insurance on a bike at 16?

i have a pedal bike its 20in i have paid almost 1800 for i built it myself and i was woundering if i could get some type of insurance for it like if it gets stolen. i live in michigan

How much do speeding tickets effect your insurance ?

I got 2 speeding tickets, my first and second one of my life and im only 17. How will these tickets effect my insurance ?""

How expensive of a car can i get if im military?

I'm looking ahead into the future a bit but in about a year i will be an E3 in the USAF. I will be bringing home about 1700 a month before taxes, so about 1300-1400 after taxes. I only have about 100 a month of bills and obviously live for free(housing and food). I was wondering, how much of a new car can i finance through a dealership. I have about 1000-1100 after i set aside some money into the bank. So that leaves me about 1000 a month that i could set aside to car, and insurance. I know my insurance will be pretty high, but i was wondering if anyone has any first hand experience as to how much of a car i'd get approved for. BTW: I have good credit, i dont have anything big on my credit report, but ive had credit cards, and cell phone, and furniture and insurance payments for about 3 years, and never had any problems with payments. So my credit is good with what i have, but i dont really have anything big so i would need a codigner if i were to try and get a car today. But from what ive read dealers usually approve anyone in the military, and especially if they have decent-good credit. THANKS!!!""

What cheap but reliable family car is best to buy must be auto cheap insurance?

Age Of 16 to fill up a car insurance quote?

why car insurance agent put 16 on car insurance quote even you got your license when you were 18...?

What factors can affect the cost of my automobile insurance?

Which car insurance company allows you to make the cheapest one year payment?

I have esurance but they force you to make 2 payments a year,and the second payment AWAYS shows up at the worst time lol""

How much I need to pay the road tax and all the insurances for a motorbike.?

Hi I am going to buy a motorbike (place UK exactly London)- nice chopper like yamaha or honda. How much and where I need to pay monthly the money (for using it on public roads and etc.). I know that car owners doing a monthly payment something about 100 pounds, please give me some advices I would like to know the real cost of it. Thank you very much. ( the motorbike max 500 cc)""

What is the estimated insurance price for a 2012 Chrysler 300S?

Base price is $33,000 Buyer is 19 years old foreign college student Disregard the location, what is the approximate insurance rate RANGE he would pay yearly Would it exceed $1000 Thank you for your responses""

Car insurance question?

Im currently a proposed driver on an car insurance policy(FULLY COMP) on a Fiat Punto and im 19. My elder brother is getting a Vauxhall VXR and said if he is insured on the car (fully comp) and said if i drive his car, i am legally allowed to drive it but i will only be covered under Third Party. Can someone outline the Rights and Wrongs? Is it actually legal? any problems which may arise?""

Are there emergency health insurances in California?

And how can some one get it? i don't live in Cali but a friend of mine does. And they can't afford health insurances. but they need to see a doctor.

colorado insurance regulation 1-1-7

When does health insurance expire when you move out of state?

Suppose you have health insurance in New York, and you plan to move to California. Before the actual move, you drive a vehicle across country, get a California license, register your vehicle, and register to vote. Then you fly back to New York for four months. You go to the doctor, and your NY insurance pays up. But then you get a letter from the insurance company, sent to the CA address but forwarded to NY, saying they heard you'd moved, so your insurance will be cancelled. You write back, telling them their information is premature, and that you'll change insurance when you complete the move. After four months, you complete the move to CA, and two days after your arrival, you start feeling woozy -- feverish with occasional headaches -- requiring bed rest and lots of fluids. If this doesn't clear up in a day or two, you'll want to see a doctor. Will you be covered by the NY insurance, given that you haven't had time yet to get CA insurance?""

What is a car insurance down payment?

I see these commercials for cheap car insurance with a low down payment . I've had three car insurance companies in my life and not a single one has required a down payment. Why would anyone choose a company that did?

""Wat types of car insurances are there for a 18 year old in Canada, how much do they cost?""

Wat types of car insurances are there for a 18 year old in Canada, how much do they cost?""

Can I use my parents name to buy insurance for my car?

Is there? The insurance would be under my moms name but the car would be mine. It would be alot cheaper since my mom has no violations and is older than 25.

What is the cheapest auto insurance?

I am going to be turning 16 soon and i am most likely am getting a 2002 ford focus. what companies offer the cheapest auto insurance for a 16 yr old on there parents insurance?

Is it possible to get insurance without a six month or a 12 month contract?

Like for month to month

Good/Cheap Secondary Health Insurance in Texas?

My grandmother is 65 but my grandfather is only 63 so he's not considered a S.C. yet ... what is good affordable secondary health insurance for them? They currently only have Medicare

How much will my car insurance cost for 16 year old girl in possibly a ford taurus?

I'm going to be 16 and obviously I'm a girl. I might end up driving a ford taurus. But it's not decided yet. I'm going to put on as a secondary on my car and them my moms dodge grand caravan and my dads dodge dakota. Secondary on all. How much will my insurance probably cost? Would it be smarter to just be a primary on my car and not even on anyone else's car or would it be smarter to just be a secondary on my car? Or a secondary on all? Thanks

Car insurance advice for a 17 year old?

Hello, I just bought a Citroen AX for 500, and have payed a lump sum of 2800 for 12 months insurance. My question is: If I get a 1 year no claims bonus when im 18, how much cheaper will my next 12 month insurance be? How much less do you think It will cost after a year of no claims. And If possible: How cheaper would It cost to insure that car after 4 years no claims? Thanks.""

Insurance price on r32gtr?

Ok since r32 skylines a now practically legal to import to the U.S from japan i was wondering how much would insurance cost me for a 1989 nissan skyline gtr r32. These skylines will have clean clear texas titles. I live in Houston, Texas and age ...lets just say older than 25""

What car in your opinion would cost the least on insurance?

A acura rsx, Lexus is300, scion tc""

What liability would you have if you let someone else use your address to obtain cheaper car insurance?

I know it is morally wrong but the situation is not what it appears. I let this relative use my address before in order to hide from a former abusive spouse. Now that scenario is not the issue and for a long time I was only receiving junk mailings for her. But once or twice this year I received something from a car insurance co. I could not open it but it looked like a bill. She lives in an area notorious for sky high insurance rates. Can I get into trouble, or is she the only one committing fraud? I don't want to get in trouble for her but I do feel bad because she doesn't make much money.""

Will i get any payouts on my car insurance?

hi there i had an accident back in december 2012 that was NOT my fault but did not declare any points om my licence when i took my insurance policy out, becaus this was not my fault will i still get payed out for my car or any compensation claims elsewhere to thatr accident""

Getting SR-22 Insurance with new policy.?

Basicly... last year... my mom and I were required to maintain an SR-22 for 3 years. we got our first one with Mercury insurance.... which was our existing provider then they said they wont renew the policy with us anymore... and we had to find another company chose allstate... as they were the only ones willing to give an SR-22 for NEW policies. we have had all state for 6 months... their rates are pretty expensive though... with or with SR-22... we got quotes from statefarm... they are really good... about 40% savings.... but they refuse to give SR-22s with new policies. but then they also said...they also refuse to give it with Existing policies as well... is this even possible? we have 3 cars. we were thinking of keeping one vehicle with allstate... maintaining the existing SR-22... and transfering the other 2 vehicles over to statefarm... and after a month or 2... once we become existing customers request for an SR-22... and transfer the allstate vehicle to statefar

How high will my insurance go?

I got pulled over the other day for going 59 in a 40. I have state farm. how high will my insurance go? ps. in pennsylvania

Does lojack reduce auto insurance rates?

""Car insurance. I've had two quotes for my new car, one from our existing?""

insurers who we've been with for a loooong time (we have a 9-year NCB for starters), which has come in arond 350. and one from the insurance company attached to the make of my new car which came in almost the same price. On the other hand, I took online quotes which came in from 175.lowest, to 313.highest. I queried this with the second company I've just spoken to to get the free 7-day cover in place, and they told me online companies are cheaper because it's online and you don't speak to 'a person'. Obviously this is a big difference (we are currently paying just over 200 for our car) and I'm now confused about what to do. And frankly who is telling me the truth.""

Car insurance question.?

I was involved in an accident recently. The other driver ran a red light and totaled my car. There were no witnesses or cameras. The other driver claims that I was the one who ran the red light. This is not true. The police report was finished today and it came back in my favor. I only have liability insurance so I am waiting to hear from the other driver's insurance company on whether or not they are going cover the cost of replacing my car. Do you experts think they will cover my full costs? Thanks, Eric""

""The lug nuts on my tyre are too tight to take off with my socket wrench, any ideas on how to get them off?

I don't know much about cars but I have to change a flat tyre myself as the car doesn't have insurance and can't be taken to the shop. Would there be a tool that i could use to make it easier to take the lug nuts off??

How much does a motorcycle insurance cost?

20 yrs old. ninja 250r 2009. Southern Cali

How much to insure for drivers insurance?

Im 16, so I know it will be expensive. I will be getting a 4 Cyl car, either a Honda Prelude, Civic, Accord, Nissan 240sx, something along those lines. I took a drug and alcohol class which takes off 15% and then I got a B average which takes off another 10% can someone please tell me how much it would be a month? Thank you""

I heard of Homeowners insurance being called...?

fire insurance and hazard insurance. are they the same?? or how are they different?

Will my insurance rates go up because of this?

I cancelled my Esurance policy and went to State Farm. I received a cancellation email afterward. My policy with Esurance is set to cancel completely on the 8th but I got an email today saying my policy had lapsed. Will my insurance rates with State Farm go up because of this?

How do I get health insurance?

Ok Im 20 and I don't think I have health insurance. I want insurance to cover basic health and dental too. How can I get health insurance that is cheap and affordable in California? Thank you

Car insurance question?

If I make a down payment of around a quarter of the car price ($4,500 for a $18,000 car) when I buy and also get comprehensive insurance on it. After two years if the car gets totaled- how much will I get from the insurance company?""

colorado insurance regulation 1-1-7

Do I need to be on the car insurance if I don't live in the house?

I get my license tomorow and my dad was planning on letting me use his car Friday. His insurance covers the driver of the car, but then other insurance policys are saying that I need to be under the insurance, if I am in the home. I don't live with him. So does he still need to add me to the insurance, since I don't live in the home?""

Need health insurance coverage for pregnancy?

I am currently pregnant with my first child and my fiance and I are both self-employed. We are looking for a new insurance policy the covers maternity care. The one we have now does not cover maternity and the hospital bills for the delivery seem to be quite high. Does anyone know of any companies that offer coverage?

Can someone please explain health insurance to me?

I'm looking for individual health insurance and it is very confusing. Can someone explain what things like deductible, copay, and coinsurance mean? Also, what's the difference between a PPO, Network, Indemnity, and a HSA-qualified plan? Lastly, how do I know exactly what is covered before I apply? People have sent me things in the mail and I'm looking online and I was given a list of things covered, but then it says that this isn't everything and once I sent in my payment I will get a full list of my policy and coverages. That seems shady, and these are top companies like Aetna and Health America, so I don't think they would rip me off. Plus, how come these companies aren't offering a bundle plan, where I can get health insurance, vision, and dental all in one plan with one monthly payment?""

Where can I get a better health insurance plan ?

I tried with some of the agents, but it is not working out for me. Can anyone help me, If you have taken any health insurance plan.""

What kind of insurance do i need if im over 18?

Im in school right now and im about to turn 19 and my current insurance will not cover me anymore...so what insurance out there can i get that's affordable and i can use for my school...i dont want to pay the expensive insurance for the school...thanks!

Car insurance: Proof of no claims?

I just got a letter through today from my car insurance provider asking me they want proof of my no claims. I renewed earlier in the month however i didn't change providers so seems a bit pointless them wanting proof when they hold the no claims information themselves. I didn't renew in the straight forward way as i planned to sell my car but ended up changing my mind but wanted to make some changes to my policy so just created a new policy using my online account i have with the insurance company, it turned out to be cheaper doing it that way but obviously because of the changes i made, could this be why i have received this letter? Should i just notify them of the situation in a letter and attach my original renewal letter which has the no claims information on it? Or will i need to get a so called proof of no claims certificate to get this sorted?""

Car loan & insurance?

My husband & I applied for a car loan. We are both still under our parents insurance because it is cheaper like that for now. Neither one of us are listed on their insurance as policy holders. We are only listed as covered. If we plan on buying a car with our approved loan, does his dad need to be on the loan as well because the insurance is under him? If so, does that mean that I need to come off the loan and that he needs to reapply for a loan but with his dad? We live in California, I know some states have different laws about insurance. Hope that makes sense & someone can help. Thanks!""

Hi I are v8 insurance more expensive than v6?

I'm getting a car soon and I can pick between an 08 bmw 528i v6 or 08 bmw 550i v8. I was wondering if insurance would be the same because there the same car. I live in California thank you.

Where do you get a semen analysis performed in southern California without insurance? ?

I have looked all over the Internet! !! We live near orange county and la county he has no insurance. Please help! !!

Cheaper car for insurance?

I have a 98 eclipse spyder right now, and I'm paying about 700 every 6 months on insurance. Not only that but about 40 a week in gas and other various maintenance. I've put some custom things into it, just wondering with 115k miles on it, what would a good trade be for a reliable car with good MPG and lower insurance?""

""What auto insurance companies , (best price, dependable, etc....?)?""

What auto insurance companies , (best price, dependable, etc....?)?""

Which car Insurance do you recommend?

The cheapest, but also good at the same time.""

What is the cheapest health insurance I can get?

I'm a healthy single person with no preexisting conditions living in Washington State and am tired of paying $430/mo for COBRA. My acceptable range is $50 - $150/mo and only want it as hedge against risk of major injury. I may be travelling overseas for 3-6 months this winter and I'm wondering if: 1. I should choose something like LifeWise with 10k deductible for 3 months, just short term then let it cancel, then get different travel insurance thereafter? 2. Choose a company that does both domestic US and overseas travel coverage? 3. Let COBRA expire and just risk it? Do you have any recommendations? Know of any especially affordable deals that match this?""

How much do you think my car insurance might cost? HELP PLEASE!?

I'm a new driver. I'm 26 years old. I want full coverage. I live in New Jersey. The amount of the might be 8,000 and Nissan 2007-2010. If anyone have any advice for me, that will help me choice the best car insurance. It would be appreciated. I'm still open to a different car.""

How much should a Insurance CSR make?

I live in a little town in California, I have been working for well established Insurance agency since May 2012. I just recently got licensed so now I carry my P and C license. I am getting 12 an hour plus health insurance, am I being under paid? Im not getting commission even though I have brought new business in and have written policies. Your answers are very much appreciated. Thank you.""

Why don't parking tickets affect your insurance?

I used to be amazed at the number of tickets other students used to get when I went to college. Sometimes I'd walk by a car that had been there for at least a day, given the number of tickets that decorated the windshield. From what I gather, parking tickets are not moving violations, so therefore it's not the same as traffic tickets. (Which might explain why they cost so much less.) Is it because parking tickets aren't moving violations, they aren't covered by traffic safety laws and therefore aren't really covered in traffic school? Do parking tickets go on your driving record?""

""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""

How much will motorcycle insurance and registration cost me per year?

I'm a 20 year old male and this will be my first motorcycle. I only have a permit right now but plan to get my licence immediately after registering and insuring my bike. Will that make a difference? I'm going to get like a 600 cc sport bike. I don't need an exact cost. Just shoot me a good range to expect. Thank you.

Im 17 make minimum wage and want a car. parents wont help pay car insurance or car payment. what can i d?

im 17 years old and make minimum wage. i want a car but my parents wont help pay for car insurance or car payment. i also need gas money and lunch money. i only make $6 an hour at my job and my insurance $115 and the car payment is $98. is i possible for me to get a car at all?

Could I swap my 50cc scooter's insurance to another bike?

Hey everyone, I was wondering if I sold or swapped my 50cc scooter and got a 50cc geared bike could I get the insurance from the scooter and put it on the new geared 50cc? If so would it affect anything? or cost me money? Would be a massive help if someone could help me out! Thank you for advance :) Information which might be helpful: I paid for 1 year in one payment (annually). I paid for the insurance last month so I still have a lot of insurance time left. Don't want to waste money!""

What is a medical insurance deductible?

Renault Clio insurance for a 17 year old girl in Coventry?

I turned 17 last week, and plan on buying a Renault Clio for less than 1000, (about a 2001 reg). I have trauled all over the internet and cannot really find a decent quote anywhere, so I was wondering what an approximate cost of insurance would be? Thanks! Or if not, what are the best suggestions for a first car? Cheap insurance very important!!""

How to get car insurance at 16 without putting it under your parents name?

i just got my g1 and im looking to buy a car within the next couple of days. i live with my mom and she doesnt drive or have car insurance and my dad has been outta the picture for a long time. so how can i get car insurance under these cirumstances?

Has anyone ever heard of Titan auto insurance?

Which type of car insurance coverage?

say my friend was driving my car and he got into an accident which type of car insurance would cover my car if he's driving it? what if im driving his car and i got into an accident what type of car insurance would cover me, what about my friends car?""

colorado insurance regulation 1-1-7

https://www.linkedin.com/pulse/insurance-quotes-provisional-drivers-christopher-lawman/"

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investmart007 · 6 years

Text

Analysis: HUD plan would raise rents for poor by 20 percent

New Post has been published on https://is.gd/fcKfTs

Analysis: HUD plan would raise rents for poor by 20 percent

CHARLESTON, S.C./June 8, 2018 (AP)(STLRealEstate.News) — Housing Secretary Ben Carson says his latest proposal to raise rents would mean a path toward self-sufficiency for millions of low-income households across the United States by pushing more people to find work. For Ebony Morris and her four small children, it could mean homelessness.

Morris lives in Charleston, South Carolina, where most households receiving federal housing assistance would see rents rise an average 26 percent, according to an analysis done by Center on Budget and Policy Priorities for The Associated Press. Her increase would be nearly double that.

Overall, the analysis shows that in the 100 largest U.S. metropolitan areas, low-income tenants — many of whom have jobs — would have to pay roughly 20 percent more each year for rent under the plan.

That’s about six times greater than the growth in average hourly earnings, putting poor workers at an increased risk of homelessness because wages haven’t kept pace with housing expenses.

“I saw public housing as an option to get on my feet, to pay 30 percent of my income and get myself out of debt and eventually become a homeowner,” said Morris, whose rent would jump from $403 to $600. “But this would put us in a homeless state.”

Roughly 4 million low-income households receiving HUD assistance would be affected by the proposal. HUD estimates that about 2 million would be affected immediately, while the other 2 million would see rent increases phased in after six years.

The proposal, which needs congressional approval, is the latest attempt by the Trump administration to scale back the social safety net, under the belief that being less generous will prompt those receiving federal assistance to enter the workforce. “It’s our attempt to give poor people a way out of poverty,” Carson said in a recent interview with Fox News.

At an event in Detroit on Thursday, Carson said the proposal is a product of budget constraints. He said that the plan could change based on funding for the agency, adding that HUD has already begun working with Congress.

“The reason that we had to even consider rent increases is because we’re working with a specific budget,” Carson said. “And in order not to have to raise rents on the elderly and the disabled or to displace people who are already in programs, that was the only option.”

“The original rent increases were to make sure we didn’t have to raise rents on elderly and disabled people,” Carson said. “Now we have some increased funding, we’re not going to” have to, he said. The analysis shows families would be disproportionately impacted. Of the 8.3 million people affected, more than 3 million are children. Morris, a pediatric assistant, said she sometimes works 50 hours a week just to get by. Her four young children would be hit hard if her rent increases, she said.

“Food, electricity bills, school uniforms,” she said. “Internet for homework assignments and report cards. All of their reading modules at school require the internet, without it they’ll be behind their classmates. The kids are in extracurriculars, those would be scrapped. I would struggle just to pay my bills.”The impact of the plan would be felt everywhere.

Rent for the poorest tenants in Baltimore, where Carson was a neurosurgeon at Johns Hopkins Hospital, and where his own story of overcoming poverty inspired generations of children, could go up by 19 percent or $800 a year. In Detroit, where Carson’s mother, a single parent, raised him by working two jobs, rents could increase by $710, or 21 percent. Households in Washington, D.C., one of the richest regions in the country, would see the largest increases: $980 per year on average, a 20 percent hike.

“This proposal to raise rents on low-income people doesn’t magically create well-paying jobs needed to lift people out of poverty,” said Diane Yentel, CEO of the National Low Income Housing Coalition. “Instead it just makes it harder for struggling families to get ahead by potentially cutting them off from the very stability that makes it possible for them to find and keep jobs.” While the Department of Housing and Urban Development says elderly or disabled households would be exempt, about 314,000 households could lose their elderly or disabled status and see higher rents, according to the analysis by the policy center, which advocates for the poor.

Carson’s “Make Affordable Housing Work Act,” announced April 25, would allow housing authorities to impose work requirements, would increase the percentage of income that tenants are required to pay from 30 percent to 35 percent, and would raise the minimum rent from $50 to $150. It would eliminate deductions, for medical care and child care, and for each child in a home: Currently, families can deduct $480 per child, significantly lowering rent.

Donald Cameron, president and CEO of the Charleston Housing Authority, calls the proposal catastrophic. “We’d lose a lot of people within a very short time: the ones with the smallest pocket books, the least discretionary income,” he said.

Not all recipients of housing assistance think the plan is unfair. “I’m in favor of it,” said Shalonda Skinner, 29, who lives in public housing with her five children. “Housing helps a lot of people. It will probably put a good amount of people out because some people don’t like to work, they’re not independent. But it’s fair.”

If her rent were to go up, she said, “I’d work more,” taking on more hair clients.

Melissa Maddox Evans, general counsel for the Charleston Housing Authority, said she believes the proposal is based on a faulty premise — that most public housing residents don’t have jobs and that rent increases will incentivize work.

“Most tenants here work two or three job,” she said. “When they are going out and finding work, are they going to make enough to accommodate that increase?”

The policy center conducted its analysis based on 2016 HUD data. It includes tenants living in public housing and receiving Section 8 and project-based vouchers. It excludes housing authorities participating in the Moving to Work program, which allows districts to determine their own distinct rent policies. ___ Fenn reported from New York. Mike Householder contributed reporting from Detroit. ___ Follow Linderman at http://twitter.com/JulietLinderman

___

By JULIET LINDERMAN and LARRY FENN, Associated Press

#Housing Secretary Ben Carson #HUD #low-income households #low-income tenants #raise rents #STLRealEstate.News #TodayNews

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constructionaccounting · 7 years

Text

0236: Highly Profitable Contractors Control Who Receives Company Information

This Podcast Is Episode Number 0236, And It Will Be About Highly Profitable Contractors Control Who Receives Company Information

You Have Ultimate Control On Who Has Or Receives

Information About Your Contracting Company

Financials statements are based on the information you provided. I know this is not a statement that any contractor wants to hear about their bookkeeping. It is easier to blame the bookkeeper for missing information. The primary keeper of all the documents is you, your spouse, your employees, your suppliers, your bank, your credit card company. The Key work is done by you, or whoever assists you have the power to give information to outsiders about your Construction Company.

Who wants details about your business?

Internal Revenue Service

State Revenue Agencies

State Payroll Agencies

Other State Agencies

Worker’s Compensation Provider

General Liability Insurance Provider

Depending on the report it may be monthly (sales tax, business excise tax, other state business tax reports) Quarterly reports include all payroll related forms to State and Federal (Internal Revenue). Personal story. If you have any data that you can include relating to your list, include that in your introduction, too./>

Some states require Contactors to take a test before receiving Contractors License

Depending on your state a Contractor may have to be licensed which can require a Bond and General Liability Insurance. Because the General Liability Insurance is made up of a group of numbers to make up the coverage and premium, there is usually an annual General Liability Insurance Audit and are date specific based on when the coverage was taken out. Your Construction Company Structure determines how simple or how complicated the annual insurance audit it. We can help you with this. Call Sharie 206-361-3950 or email her [email protected]

Insurance Audit Questions May Include:

Annual sales

Owners wages

List of employees

Employee wages

Copies of 941 Quarterly Reports

Copies of State Unemployment Reports

List of subcontractors

Total paid to subcontractor

Copies of Subcontractor’s Certificate of Insurance

List of names of casual labor

Total paid to each casual labor

The total amount of Leased or Rented Equipment.

Periodically Your State Unemployment Agency will want details on individual employee’s hours. Form to be filled out is date and period specific and will want the total per week (regular time and overtime) then broken down by day and a weekly total of wages earned, and date wages were paid. In other words; the State Agency is asking for more in more detail to be sure they get the same grand total as other reports and did you pay the proper amount in the time frame required. Some states and cities have different minimum wage requirements this adds to the tracking required. In Washington State, we have a state minimum wage, and then several individual cities have an increased minimum wage. In addition to new rules about Family Leave, Sick Leave, and Personal Time Off. Many of these rules are based on the number of employees you have. Internal Revenue Service Requires You File Annual 1040 Tax Return. Most contractors file their taxes on a calendar year. S-Corps and LLC’s treated as S-Corps annual tax return is due on March 15th with a six-month extension allowed to September 15th. Numbers From Your Contracting Company Return Move To Your Personal 1040 Tax Return. Personal tax returns with or without Schedule C (additional pages for Sole Prop’s and LLC’s treated as a Sole Prop) are due on April 15th with a six-month extension allowed to October 15th. Reminder the tax return is due in a couple of weeks. There are many reasons why taxes are not ready for the tax accountant to do the annual taxes. Contractors may feel that they can do it themselves using tax software. My recommendation is to use a Tax Accountant. Laws change all of the time. Assume that every time Congress meets they have done something. Since the average person is too busy and has no way of knowing what amendments are added to any given bill may impact the tax code having a tax accountant is a cost and time effective solution. Tax Accountants Are “Generalists.” What do I mean by “Generalist”? To stay in business, tax accountants have more clients than just contractors. Tax Accountants have to keep on top of all the tax changes that impact all of their clients. Reality is, the tax accountant is more concerned about your bottom line and how it impacts the rest of your life and taxes, not your job costing reports. Does your spouse work, what and where are all the W-2, interest income, dividend income, health insurance, children, your house, mortgage, property taxes and what other misc. Expenses that might be deductible? Many tax accountants send a packet for their clients to fill out and bring with documents. When a Construction Contractor drops off a box of receipts and bank statements to the tax accountant the Construction Contractor asks:

How am I doing?

What about [fill in the blank]?

Did I make any money on “xyz job”?

Tell me about how to improve my business?

The tax accountant is going to roll their eyes and seems less than helpful or incompetent. They are not! Knowing about the individual details of Construction Accounting and Job Costing is not a normal skillset of the tax accountant. Depending on the size of the pile to manage whether a tax accountant will use Excel and a Workaround to file the Construction Contractor’s taxes or send you to a bookkeeper to do it. Our focus is on helping you survive and thrive. When we ask you for documents, it is part of our Contractors Bookkeeping Services System. We have a process where we will do a gentle follow-up. Sometimes the greatest most effective follow-up is done by the State Agencies who want specific reports which when they are not filed promptly will incur late fees and penalties or cancellations.

They will call, send certified letters, issue Warrants on Bank Accounts and file Tax Liens all to receive money owed to a government agency. Not someone you want to have your number on speed dial. It is one thing if the over site is lack of money, and another if it is bad paperwork. Job Costing Is Only Possible when you, the Contractor have put the job name on the receipts, checks and other paperwork directly related to each job. It is unreasonable to expect any bookkeeper to guess which job the costs should be assigned to or interrupt your already busy day with several phone calls to ask for information about a receipt, bill or other paperwork. One Process In Our Bookkeeping System Is "OHIO" Only Handle It Once

Proactively writing on the receipt, giving the customer name and address in the Purchase Order field at the supplier will make the bookkeeping process easier on everyone and more importantly it will be the foundation to providing you with Job Costing Reports to help you identify the 20% of jobs and customers that generate 80% of your Cash Flow and Profit.

How To Combine The 80/20 Rule With Business Process Management For Your Construction Company

The 80-20 Rule Combined With Business Process Management

Can Improve Your Life In Ways You Never Dreamed Possible!

20% Of The Construction Companies - Share the Top 80% of the profits which the owners and shareholders use to support lavish lifestyles because they know what to do, when to do it and how to do it!

80% Of The Construction Companies - Share the Bottom 20% of the profits which the owners and shareholders use to support just above or just below average lifestyles because they don't know what to do when to do it or how to do it!

Not every Construction Contractor wants to put in the effort for Job Costing, and that is OK. It is Good, Better and Best in all things including Construction Accounting. With processes, every contractor will get value out of their bookkeeping no matter what level of service they require to fit their needs. The most basic accounting provides a Profit & Loss Statement and Balance Sheet on demand for their Tax Accountant to file the taxes. Add personal documents, and the Tax Accountant knows what to do. Basic Construction Bookkeeping is more than hooking up your bank feeds to an Accounting Software and let the software decide what to do with the transactions. All good bookkeeping even for the smallest Construction Contractor is more than balancing your checkbook. Good Construction Accounting provides answers for Construction Contractors from the Brand New Contractor, Handyman, Trade Contractor, General Contractor. Construction Accountants know what to do when they receive the documents. Of course, you need to talk your prospective Construction Accountant and make sure they know Construction Accounting; then decide if it is a good fit for your needs.

One example in Construction Accounting there is a difference between Spec and Custom Home. General Contractors sometimes get confused on which they are building as both are the construction of a new home. Construction Accountants are never confused as the accounting is different. In Washington State, it is a huge difference because of the rules about sales tax. When a contractor must charge sales tax on their invoice or if they accept a resale certificate. All retail sales to homeowners and Spec Builders are subject to sales tax.

Years Ago My Mentor Told Me: “Little Leaks Sink A Big Ship"

Four Leaks That Bankrupt Construction Contractors

Not charging and collecting Sales Tax is a 10% leak.

Not Charging and collecting for Change Orders could be a bigger leak.

Improperly applying payments (where it appears as a credit in QuickBooks) is another leak.

With enough leaks, there is no money left for the fun stuff you want to do in your life.

Change is easier when doing one little thing, then another, then another. Trying to change everything all at once is overwhelming. Many times change easier for a smaller company because they are small. Number one question from smaller contractors is “I am just me, or it is just me, and I only have one or two employees” Am I too small to help and use the services of a Contraction Bookkeeper? My Answer: A Company of One – is not too small!

The Company of One with Dog and Pickup Truck is not too small.

Construction Contractor without any employees is not too small.

Construction Contractor with less than five employees is not too small.

Construction Contractor with more than 15-20 employees may be too big to not have an in-house admin

From Brand New Contractor, Weekend Warrior, Handyman, Trade Contractor to General Contractor with or without employees we are here to help.

About The Author:

https://www.fasteasyaccounting.com/free-one-hour-consultation-bookkeeping

Sharie DeHart, QPA is the co-founder of Business Consulting And Accounting in Lynnwood Washington. She is the leading expert in managing outsourced construction bookkeeping and accounting services companies and cash management accounting for small construction companies across the USA. She encourages Contractors and Construction Company Owners to stay current on their tax obligations and offers insights on how to manage the remaining cash flow to operate and grow their construction company sales and profits so they can put more money in the bank. http://www.fasteasyaccounting.com/sharie-dehart/ 206-361-3950 or [email protected]

I trust this podcast helps you understand that outsourcing your contractor's bookkeeping services to us is about more than just “doing the bookkeeping”; it is about taking a holistic approach to your entire construction company and helping support you as a contractor and as a person.

We Remove Contractor's Unique Paperwork Frustrations

We understand the good, bad and the ugly about owning and operating construction companies because we have had several of them and we sincerely care about you and your construction company!

That is all I have for now, and if you have listened to this far please do me the honor of commenting and rating podcast www.FastEasyAccounting.com/podcast Tell me what you liked, did not like, tell it as you see it because your feedback is crucial and I thank you in advance.

You Deserve To Be Wealthy Because You Bring Value To Other People's Lives!

I trust this will be of value to you and your feedback is always welcome at www.FastEasyAccounting.com/podcast

This Is One more example of how Fast Easy Accounting is helping construction company owners across the USA including Alaska and Hawaii put more money in the bank to operate and grow your construction company. Construction accounting is not rocket science; it is a lot harder than that, and a lot more valuable to construction contractors like you so stop missing out and call Sharie 206-361-3950 or email [email protected]

Contractor Bookkeeping Done For You!

Thinking About Outsourcing Your Contractors Bookkeeping Services?

Click On The Link Below:

www.FastEasyAccounting.com/hs

This guide will help you learn what to look for in outsourced construction accounting.

Need Help Now?

Call Sharie 206-361-3950

[email protected]

Thank you very much, and I hope you understand we do care about you and all contractors regardless of whether or not you ever hire our services. Bye for now until our next episode here on the Contractors Success MAP Podcast.

Enjoy your day. Sharie

About The Author:

https://www.fasteasyaccounting.com/free-one-hour-consultation-bookkeeping

Our Workflow Removes Your Paperwork Frustrations

For Contractors Who Prefer

To Do Your Bookkeeping

Fast Easy Accounting Do-It-Yourself Construction Accounting Store Is Open

Most Contractors Setup QuickBooks Desktop Version In One Of Three Ways:

#1 EZ Step Interview inside QuickBooks Setup #2 Asked Their Tax Accountant To Setup QuickBooks #3 They Attended A How To Setup QuickBooks Class Or Seminar

And QuickBooks Does Not Work The Way They Want It Too!

The Answer:

#1 Click Here To Buy An Entire QuickBooks Setup For Your Specific Contracting Company

#2 Click Here To Buy Just The Chart Of Accounts For Your Specific Contracting Company

Short List Of Construction Contractors We Serve

Asphalt ContractorAsphalt Contractor Brand New ContractorBrand New ContractorBrick And Stone ContractorBrick And Stone ContractorCabinet Installation ContractorCabinet Installation ContractorCarpentry ContractorCarpentry ContractorCarpet And Tile ContractorCarpet And Tile ContractorCommercial Tenant Improvement ContractorCommercial Tenant Improvement ContractorConcrete ContractorConcrete ContractorConstruction EmployeesConstruction EmployeesConstruction ManagerConstruction ManagerConstruction Support SpecialistConstruction Support SpecialistCustom Deck ContractorCustom Deck ContractorCustom Home BuilderCustom Home BuilderDemolition ContractorDemolition ContractorDrywall ContractorDrywall ContractorElectrical ContractorElectrical ContractorEmerging ContractorEmerging ContractorExcavation ContractorExcavation ContractorFinish Millwork ContractorFinish Millwork ContractorFlipper House ContractorFlipper House ContractorFlooring ContractorFlooring ContractorFoundation ContractorFoundation ContractorFraming ContractorFraming ContractorGeneral ContractorGeneral ContractorGlass Installation ContractorGlass Installation ContractorGutter ContractorGutter ContractorHandyman ContractorHandyman ContractorHot Tub ContractorHot Tub ContractorHVAC ContractorHVAC ContractorInsulation ContractorInsulation ContractorInterior Designer ContractorInterior Designer ContractorLand Development ContractorLand Development ContractorLandscape ContractorLandscape ContractorLawn And Yard Maintenance ContractorLawn And Yard Maintenance ContractorMasonry ContractorMasonry ContractorMold Remediation ContractorMold Remediation ContractorMoss Removal ContractorMoss Removal ContractorPainting ContractorPainting ContractorPlaster ContractorPlaster ContractorPlaster And Stucco ContractorPlaster And Stucco ContractorPlumbing ContractorPlumbing ContractorPressure Washing ContractorPressure Washing ContractorRemodel ContractorRemodel ContractorRenovation ContractorRenovation ContractorRestoration ContractorRestoration ContractorRoofing ContractorRoofing ContractorSiding ContractorSiding ContractorSpec Home BuilderSpec Home BuilderSpecialty ContractorSpecialty ContractorStone Mason ContractorStone Mason ContractorStucco ContractorStucco ContractorSubcontractorSubcontractorSwimming Pool ContractorSwimming Pool ContractorSwimming Pool And Hot Tub ContractorSwimming Pool And Hot Tub ContractorTile And Carpet ContractorTile And Carpet ContractorTrade ContractorTrade ContractorTree ContractorTree ContractorUnderground ContractorUnderground ContractorUtility ContractorUtility ContractorWaterproofing ContractorWaterproofing ContractorWindow ContractorWindow Contractor

Additional QuickBooks Templates, Resources, And Services

QuickBooks Set Up TemplatesSolopreneurQuickBooks Chart Of AccountsFree StuffQuickBooks Item Lists TemplatesConsulting

We Serve Over 100 Types Of Contractors So If Your Type Of Company Is Not Listed

Please Do Not Be Concerned Because If You Are A Contractor

There Is A Good Chance We Can Help You!

Call Now: 206-361-3950

Additional QuickBooks Templates, Resources, And Services

QuickBooks Set Up Templates Solopreneur

QuickBooks Chart Of Accounts Free Stuff

QuickBooks Item Lists Templates Consulting

We Serve Over 100 Types Of Contractors So If Your Type Of Company Is Not Listed

Please Do Not Be Concerned Because If You Are A Contractor

There Is A Good Chance We Can Help You!

Call Now: 206-361-3950

If you are a blogger, who writes about construction we would like to hear from you.

https://www.fasteasyaccounting.com/guestblogger

Contractors_Success_MAP, Contractors_Success_Marketing_Accounting_Production, Contractor_Bookkeeping_Services, QuickBooks_For_Contractors, QuickBooks_For_Contractors,Contractors_Success_Map_Highly_Profitable_Contractors_Control_Who_Receives_Company_Inform

Check out this episode about Contractors Marketing - Accounting - Production (M.A.P.)!

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