3 Terrible Purchases That Finally Made Me Change My Lifestyle
With the approach of a New Year, I think it’s inevitable that we all start reflecting on ourselves and what we’d like to change. While I definitely fall into the category of people who are “New Year’s Resolution-Makers,” I actually do try to implement changes throughout the year and not just at the beginning. I’ve learned throughout the years that I can get easily sidetracked and distracted by multiple goals and projects, so if I truly want something to change, I just have to start (or least start planning) now instead of waiting for a particular date.
But I am a fan of New Year goals and resolutions. I don’t think there’s anything wrong with having that motivational push and if it that’s what you need to help you get into the self-improvement mindset. So in the spirit of 2019, these are the three lifestyle changes I’m continuing to work on after making some of my worst purchases. Sometimes these were made out of insecurity and vanity, and sometimes they were simply because I was irresponsible. Either way, these seemingly innocent purchase mistakes ended up teaching me more than how to better manage my budget.
1. A Custom Blazer I Saw On Instagram
Cost: $100 CAD ($75 USD)
When Instagram became popular a few years ago, I began to follow a lot of fashion and lifestyle bloggers. They all posted these incredibly beautiful photos — you know the ones — posing in a stunning outfit in front of a white-washed background with perfect hair and make-up. At the age of 21, I was super impressionable and in awe of all the beautiful people and things on Instagram.
So in 2015, when I was visiting my family in Vietnam and was in the city of Hoi An, famous for custom tailoring, I decided that I was going to treat myself. I had a custom blazer made in the same style as one of the fashion bloggers I had been following. She had just posted this incredibly chic photo in New York in it and I thought it would be perfect for when I returned to work after my trip. To be clear, it was not an average blazer, it was this cape-style blazer that didn’t have sleeves, but instead had the arms slits cut mid-way down the blazer.
I didn’t even wear it once before I threw it in the donation bin a year later.
I realized then that a lot of the beautiful things fashion/lifestyle bloggers wear are on Instagram are not only impractical, they’re down right uncomfortable. That blazer was not functional; because it didn’t have proper sleeves, I couldn’t move my arms without it slipping into an uncomfortable position. Literally the only thing that blazer was good for was Instagram likes.
I knew I couldn’t afford the designer blazer she was wearing so I had a custom one made instead and while $100 didn’t break my bank account, it was a lot of money for me on a backpacker’s budget.
To me, that blazer was the physical manifestation of all those Instagram photos of influencers that I aspired to be like – carefree, beautiful, and always perfect looking with this effortless backdrop. But that blazer taught me I had to be careful not to let beautiful photos skew my perception of reality in how I see myself and what I can afford to spend.
I’d like to say that I cut off all Instagram influence after this experience, but it wasn’t that simple. Sure, I unfollowed fashion bloggers here and there, but it wasn’t just the clothes, it was the lifestyle. Every year I try to get better and better at critically thinking about who I follow and what kind of online world I want myself surrounded by. I try to unfollow people throughout the year if I don’t think if they positively contribute to my life anymore, but I recently found a loophole into this horrible habit. For the past year, I’ve instead been lurking the profiles of people who live these perfect lives to see what they were up to and what they were wearing. And every time I searched them, it would appear as a suggestion in my search bar. So it would be this vicious cycle of me still viewing these people’s highlight reels except I would check back on their profile instead of following them, which was worse (you can judge me for this one, because it really was creepy).
You probably think I sound obsessive, and honestly, it’s probably bordering there. But as of recently and into 2019 I’m going to get more use out of the hide, mute, and block function on Instagram to stop myself from going down that rabbit hole. I fully understand that these are not bad people; I’m sure they are great people, but in trying to stay authentic to myself, I’ve learned that I have to be surrounded by people online that I would want to hang out with in real life. This means following people who genuinely share their successes and challenges in life, and not just the perfect cool girls who were nice, but I never ended up staying in touch with after high school.
2. The Subscription I Refused to Cancel
Cost: $518.64 CAD ($387.75 USD)
One of the worst and costly mistakes I’ve ever made was being too lazy to cancel subscriptions that I do not use. And I’m sure I’m not alone in this one since gym memberships are notorious for being a prime example of how long one can deny the use of a subscription until actually canceling it. Thankfully, I’ve never lied to myself that much and bought a gym membership. I much prefer to exercise in the outdoors; I pay enough for it by living in Vancouver, BC.
However, there were many times that I talked myself into other costly subscriptions and never fully used them, which is exactly the same thing as a dusty gym membership. For me, my vice is learning. I want to learn everything.
So after discovering the world of calligraphy and typography (on Instagram of course), I got swept away with the idea of learning all things graphic design. Shortly after, I looked into getting an Adobe Photoshop license for my computer, even though I was nowhere near that level that required it. And because I still had a student email account, I learned I got a discount if I subscribed to the Adobe Creative Cloud Suite instead which would come with all of their programs as opposed to just the one or two I needed and I thought, “what a great deal! What a great chance to learn more.” The problem was I only clicked into those other programs maybe once before deciding it was not for me and never opened them again because I was too overwhelmed. I should have just canceled it after the two months after realizing that I didn’t need it and wasn’t interested in learning all these programs after the initial excitement wore off, but I didn’t. I lied to myself for a bit more than a year before finally letting go of that $30+ charge each month.
The plus side is that I did a lot from it, but not surprisingly, I really only learned Photoshop and Lightroom which were the only two I was interested in. More than that, I learned that I did not need the software to really practice my hobby (if I wanted to turn it into a side hustle sure, but I was nowhere near that level yet).
I think constantly having the desire to learn more and further my self-improvement is a wonderful quality and I do really like that about myself. But I’ve also learned I need to put limits on it, both in time and in money. I can’t just jump into things thinking I have the time and desire to learn it. More importantly, I shouldn’t just sign up for costly subscriptions and software to think that I needed them to pursue a hobby. We do live in the age of YouTube and tutorials and if I really wanted to learn something, I should use make use of free resources to consider if I truly enjoy the hobby, before jumping in credit card first.
I could have waited a bit longer to see if I really needed those programs, but I got tempted by the package offer and caved into the idea that I would be “saving money” with this bundle. In the end, I spent over $500 on this very expensive lesson.
Nowadays, I have a budget and account for creative projects. Whenever I make money through my side hustles, I put it towards paying for new creative things I want to learn. I have a budget for everything else, why not creative hobbies? Having a set budget for it really makes me critically think about whether I have the time, energy, and interest to really pursue a particular creative project because I have to work extra hard for side hustle money as opposed to my regular salary.
So far, it’s going great, and made me really think about what I enjoy enough to spend money learning more about. For 2019, I’m going to continue using the budget mostly for my blog because more and more I’ve found my passion for it, and be super honest with myself if I have the budget for more projects. The best part of this system is that it has created a definite limit on my spending and makes me super cautious of subscriptions. Before, the charge would just come off of my credit card, and it would be buried underneath a mountain of other transactions. Now, there’s a set amount in a specific side hustle account in my PayPal account and everything for creative projects gets paid out from there. If I don’t add to it, I simply run out of money and can’t buy it.
3. The Wrong Paint
Cost: $42.97 CAD/$32.13 USD (for the wrong one), $34.97 CAD/$26.14 USD (for the correct one)
Yes, I paid more for the wrong paint.
This one is just a reflection of how poorly I plan and research sometimes. After buying my apartment, I naturally wanted to put a fresh coat of paint on it. Not only for the obvious reason that it would look nicer, but because the previous owners also chose this horrendous brown-y yellow paint for a small bedroom. Like, why?
In my excitement, I did absolutely zero research on what type of paint I actually needed and based 100% of my decision solely on the color of paint.
Life lesson: There are different types of paint.
I ended up buying two colors of paint; a grey one for my living room and a white one for my bedroom. However, after painting my entire bedroom with friends, I learned that I had accidentally bought “exterior” paint, which is sturdy and sticks the second you apply it. While painting, I could see that it looked really streaky, but I told myself that it would look better when it dried. When my mom came over and jokingly remarked “wow, this looks really bad”, I responded defensively. But when the paint was fully dried, I realized (of course) that my mom was right and it did look really, really bad. I had to come to terms with the fact that I had made a mistake and it not only cost me financially, but it cost me time. If anyone has ever painted an entire room before, you’ll know it’s not quick. I had to re-paint the whole place myself and it took many evenings after work to complete it.
Prior to this, if something was broken or needed repair in the home, my parents or landlord would fix it. This was the first decision regarding a home where I was the one completely responsible for the damage and for the repair. And the responsibility was hard to deny when I was literally standing in the middle of a horribly painted bedroom.
As I’ve continued to decorate and organize more of my apartment, I’ve gotten better and better at planning and researching my needs beyond just the aesthetics of it. I’m not perfect, but I’m getting there. More specifically, I’ve started especially really paying attention to the exact measurements of things instead of just eyeballing it. And probably to no surprise, it’s been working. What a concept.
In the end, these were all purchases I’ve made that were probably not my best choice. I actually choke a little when I think about all the money I spent on the fancy tools and software for hobbies I became enamored with (I did not include all of them or else this article would have turned into an essay), but spending this money badly taught me a lot. These bad purchases showed me, in a tangible dollar amount, the not so nice parts of me. It showed me how much I truly do care about my looks (despite what I think), the cost of my ambitions, and the consequences I have to pay when I rush into home purchases. Sure, I could have learned these lessons another way, but these bad purchases really pushed that mirror on me to reflect upon.
These are changes and lessons I’m currently incorporating, and working to improve upon in 2019. I’m definitely not perfect when it comes to curating the noise of social media or planning for my home but every month I get better and better. I’m using the New Year as a way to ride onto the “new year, new me” wave, but I hope you’ll think about something you’ve been meaning to change too. Even if you don’t start on January 1st, that doesn’t make it any less important or mean it will be any less successful.
Kimberly is the writer behind www.millenniallifeadmin.com. MLA is a blog that helps break down the everyday adulthood tasks of growing up; one unavoidable responsibility at a time. You can also find her scrolling through memes and sassy posts on Instagram @millenniallifeadmin.
Image via Unsplash
Like this story? Follow The Financial Diet on Facebook, Instagram, and Twitter for daily tips and inspiration, and sign up for our email newsletter here.
Source: https://thefinancialdiet.com/3-terrible-purchases-that-finally-made-me-change-my-lifestyle/
0 notes
3 Terrible Purchases That Finally Made Me Change My Lifestyle
With the approach of a New Year, I think it’s inevitable that we all start reflecting on ourselves and what we’d like to change. While I definitely fall into the category of people who are “New Year’s Resolution-Makers,” I actually do try to implement changes throughout the year and not just at the beginning. I’ve learned throughout the years that I can get easily sidetracked and distracted by multiple goals and projects, so if I truly want something to change, I just have to start (or least start planning) now instead of waiting for a particular date.
But I am a fan of New Year goals and resolutions. I don’t think there’s anything wrong with having that motivational push and if it that’s what you need to help you get into the self-improvement mindset. So in the spirit of 2019, these are the three lifestyle changes I’m continuing to work on after making some of my worst purchases. Sometimes these were made out of insecurity and vanity, and sometimes they were simply because I was irresponsible. Either way, these seemingly innocent purchase mistakes ended up teaching me more than how to better manage my budget.
1. A Custom Blazer I Saw On Instagram
Cost: $100 CAD ($75 USD)
When Instagram became popular a few years ago, I began to follow a lot of fashion and lifestyle bloggers. They all posted these incredibly beautiful photos — you know the ones — posing in a stunning outfit in front of a white-washed background with perfect hair and make-up. At the age of 21, I was super impressionable and in awe of all the beautiful people and things on Instagram.
So in 2015, when I was visiting my family in Vietnam and was in the city of Hoi An, famous for custom tailoring, I decided that I was going to treat myself. I had a custom blazer made in the same style as one of the fashion bloggers I had been following. She had just posted this incredibly chic photo in New York in it and I thought it would be perfect for when I returned to work after my trip. To be clear, it was not an average blazer, it was this cape-style blazer that didn’t have sleeves, but instead had the arms slits cut mid-way down the blazer.
I didn’t even wear it once before I threw it in the donation bin a year later.
I realized then that a lot of the beautiful things fashion/lifestyle bloggers wear are on Instagram are not only impractical, they’re down right uncomfortable. That blazer was not functional; because it didn’t have proper sleeves, I couldn’t move my arms without it slipping into an uncomfortable position. Literally the only thing that blazer was good for was Instagram likes.
I knew I couldn’t afford the designer blazer she was wearing so I had a custom one made instead and while $100 didn’t break my bank account, it was a lot of money for me on a backpacker’s budget.
To me, that blazer was the physical manifestation of all those Instagram photos of influencers that I aspired to be like – carefree, beautiful, and always perfect looking with this effortless backdrop. But that blazer taught me I had to be careful not to let beautiful photos skew my perception of reality in how I see myself and what I can afford to spend.
I’d like to say that I cut off all Instagram influence after this experience, but it wasn’t that simple. Sure, I unfollowed fashion bloggers here and there, but it wasn’t just the clothes, it was the lifestyle. Every year I try to get better and better at critically thinking about who I follow and what kind of online world I want myself surrounded by. I try to unfollow people throughout the year if I don’t think if they positively contribute to my life anymore, but I recently found a loophole into this horrible habit. For the past year, I’ve instead been lurking the profiles of people who live these perfect lives to see what they were up to and what they were wearing. And every time I searched them, it would appear as a suggestion in my search bar. So it would be this vicious cycle of me still viewing these people’s highlight reels except I would check back on their profile instead of following them, which was worse (you can judge me for this one, because it really was creepy).
You probably think I sound obsessive, and honestly, it’s probably bordering there. But as of recently and into 2019 I’m going to get more use out of the hide, mute, and block function on Instagram to stop myself from going down that rabbit hole. I fully understand that these are not bad people; I’m sure they are great people, but in trying to stay authentic to myself, I’ve learned that I have to be surrounded by people online that I would want to hang out with in real life. This means following people who genuinely share their successes and challenges in life, and not just the perfect cool girls who were nice, but I never ended up staying in touch with after high school.
2. The Subscription I Refused to Cancel
Cost: $518.64 CAD ($387.75 USD)
One of the worst and costly mistakes I’ve ever made was being too lazy to cancel subscriptions that I do not use. And I’m sure I’m not alone in this one since gym memberships are notorious for being a prime example of how long one can deny the use of a subscription until actually canceling it. Thankfully, I’ve never lied to myself that much and bought a gym membership. I much prefer to exercise in the outdoors; I pay enough for it by living in Vancouver, BC.
However, there were many times that I talked myself into other costly subscriptions and never fully used them, which is exactly the same thing as a dusty gym membership. For me, my vice is learning. I want to learn everything.
So after discovering the world of calligraphy and typography (on Instagram of course), I got swept away with the idea of learning all things graphic design. Shortly after, I looked into getting an Adobe Photoshop license for my computer, even though I was nowhere near that level that required it. And because I still had a student email account, I learned I got a discount if I subscribed to the Adobe Creative Cloud Suite instead which would come with all of their programs as opposed to just the one or two I needed and I thought, “what a great deal! What a great chance to learn more.” The problem was I only clicked into those other programs maybe once before deciding it was not for me and never opened them again because I was too overwhelmed. I should have just canceled it after the two months after realizing that I didn’t need it and wasn’t interested in learning all these programs after the initial excitement wore off, but I didn’t. I lied to myself for a bit more than a year before finally letting go of that $30+ charge each month.
The plus side is that I did a lot from it, but not surprisingly, I really only learned Photoshop and Lightroom which were the only two I was interested in. More than that, I learned that I did not need the software to really practice my hobby (if I wanted to turn it into a side hustle sure, but I was nowhere near that level yet).
I think constantly having the desire to learn more and further my self-improvement is a wonderful quality and I do really like that about myself. But I’ve also learned I need to put limits on it, both in time and in money. I can’t just jump into things thinking I have the time and desire to learn it. More importantly, I shouldn’t just sign up for costly subscriptions and software to think that I needed them to pursue a hobby. We do live in the age of YouTube and tutorials and if I really wanted to learn something, I should use make use of free resources to consider if I truly enjoy the hobby, before jumping in credit card first.
I could have waited a bit longer to see if I really needed those programs, but I got tempted by the package offer and caved into the idea that I would be “saving money” with this bundle. In the end, I spent over $500 on this very expensive lesson.
Nowadays, I have a budget and account for creative projects. Whenever I make money through my side hustles, I put it towards paying for new creative things I want to learn. I have a budget for everything else, why not creative hobbies? Having a set budget for it really makes me critically think about whether I have the time, energy, and interest to really pursue a particular creative project because I have to work extra hard for side hustle money as opposed to my regular salary.
So far, it’s going great, and made me really think about what I enjoy enough to spend money learning more about. For 2019, I’m going to continue using the budget mostly for my blog because more and more I’ve found my passion for it, and be super honest with myself if I have the budget for more projects. The best part of this system is that it has created a definite limit on my spending and makes me super cautious of subscriptions. Before, the charge would just come off of my credit card, and it would be buried underneath a mountain of other transactions. Now, there’s a set amount in a specific side hustle account in my PayPal account and everything for creative projects gets paid out from there. If I don’t add to it, I simply run out of money and can’t buy it.
3. The Wrong Paint
Cost: $42.97 CAD/$32.13 USD (for the wrong one), $34.97 CAD/$26.14 USD (for the correct one)
Yes, I paid more for the wrong paint.
This one is just a reflection of how poorly I plan and research sometimes. After buying my apartment, I naturally wanted to put a fresh coat of paint on it. Not only for the obvious reason that it would look nicer, but because the previous owners also chose this horrendous brown-y yellow paint for a small bedroom. Like, why?
In my excitement, I did absolutely zero research on what type of paint I actually needed and based 100% of my decision solely on the color of paint.
Life lesson: There are different types of paint.
I ended up buying two colors of paint; a grey one for my living room and a white one for my bedroom. However, after painting my entire bedroom with friends, I learned that I had accidentally bought “exterior” paint, which is sturdy and sticks the second you apply it. While painting, I could see that it looked really streaky, but I told myself that it would look better when it dried. When my mom came over and jokingly remarked “wow, this looks really bad”, I responded defensively. But when the paint was fully dried, I realized (of course) that my mom was right and it did look really, really bad. I had to come to terms with the fact that I had made a mistake and it not only cost me financially, but it cost me time. If anyone has ever painted an entire room before, you’ll know it’s not quick. I had to re-paint the whole place myself and it took many evenings after work to complete it.
Prior to this, if something was broken or needed repair in the home, my parents or landlord would fix it. This was the first decision regarding a home where I was the one completely responsible for the damage and for the repair. And the responsibility was hard to deny when I was literally standing in the middle of a horribly painted bedroom.
As I’ve continued to decorate and organize more of my apartment, I’ve gotten better and better at planning and researching my needs beyond just the aesthetics of it. I’m not perfect, but I’m getting there. More specifically, I’ve started especially really paying attention to the exact measurements of things instead of just eyeballing it. And probably to no surprise, it’s been working. What a concept.
In the end, these were all purchases I’ve made that were probably not my best choice. I actually choke a little when I think about all the money I spent on the fancy tools and software for hobbies I became enamored with (I did not include all of them or else this article would have turned into an essay), but spending this money badly taught me a lot. These bad purchases showed me, in a tangible dollar amount, the not so nice parts of me. It showed me how much I truly do care about my looks (despite what I think), the cost of my ambitions, and the consequences I have to pay when I rush into home purchases. Sure, I could have learned these lessons another way, but these bad purchases really pushed that mirror on me to reflect upon.
These are changes and lessons I’m currently incorporating, and working to improve upon in 2019. I’m definitely not perfect when it comes to curating the noise of social media or planning for my home but every month I get better and better. I’m using the New Year as a way to ride onto the “new year, new me” wave, but I hope you’ll think about something you’ve been meaning to change too. Even if you don’t start on January 1st, that doesn’t make it any less important or mean it will be any less successful.
Kimberly is the writer behind www.millenniallifeadmin.com. MLA is a blog that helps break down the everyday adulthood tasks of growing up; one unavoidable responsibility at a time. You can also find her scrolling through memes and sassy posts on Instagram @millenniallifeadmin.
Image via Unsplash
Like this story? Follow The Financial Diet on Facebook, Instagram, and Twitter for daily tips and inspiration, and sign up for our email newsletter here.
Source: https://thefinancialdiet.com/3-terrible-purchases-that-finally-made-me-change-my-lifestyle/
0 notes
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"For my car insurance I have full coverage. Have a $500 deductible to fix a broken window. Is that normal?
A rock hit my window while I was driving and i have a $500 deductible to fix it. I wanted to see was that really high or normal? I have full coverage. I just want to see how this insurance compares to others. $500 deductible just seemed a bit high. Thanks!
BEST ANSWER: Try this site where you can compare quotes: : http://saleinsurancequotes.xyz/index.html?src=tumblr
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last year i had the police turn up at my door saying that i had hit a car roof with a claw hammer i didn't no what they was going on about i did not get arrested and they left, few days later i got a insurance letter thur the post saying that i had collided with a bmw and drove off leaving the seen, there insurance paid him out 5000, i spoke to my insurances and said i don't no what is going on they asked for pictures off my car i sent them, i phoned the police and asked them they said there is no further action is to be taken as the person as dropped the chargers, so i phoned there insurance and they said we are waiting for police reports, i said the police are not taking it any further as the person as he had dropped the chargers, they did not believe me and wanted me to pay 3500 in 14 days i said no, i lost 3 years no claims and my premiums went up, i just had to wait for months :( i got a letter today off there insurance saying we have had the police reports and there is no further action against me or my insurances... ok what will happen to the person what made up this lie to his insurance as he told the police one thing and his insurance another??????""
Cheapest Car to Insure on 18 Year Old Male ?
Hi everyone, I'm Victor, 18 Year Old Male which has Just passed his driving test. Now, here comes the hard part. The F*cking Insurance! What car is cheap to insure, I don't mind going as a 2nd driver even third becuase I'm unemplyed at the momment but once back in a job I will be the 1st Driver to gain my NCB. So I will most likely be a 2nd driver (I know its ilegal) BUT here's the thing I'm only using the car to get to college and back, it's not a full time driving expirience so in a sense, yes I won't be breaking the law!. My dad will most likely be using the car to get around with shopping etc during nights, weekends. I just genuinly need the car to get from A to B (Work and College). I have 900 to spend on any car, I've been quoted on my fathers Vectra (O8) 1000, which is really good but what riddles with me is that I know that car has a high fuel compsumption. HELP ME!! I've read a ford mondeo is cheap to insure, but there's the clue, I Heard . No body knows is true. So I leave it to you my dear clever people. Help.""
What does auto liability insurance cover?
I'm confused. I have a cheap car (read: old, not worth $1,000, beat up) that I need insurance on. I'm not worried about paying for my car to get fixed if damaged. However, I have a problem with scraping people's car. For example, I drove my car out of a parking lot and nearly bumped into another one, leaving maybe a scratch or dent. Would liability insurance cover that? Does it help pay for the OTHER car? 'Cause truth be told, my car's not worth paying insurance for ha ha. VA's minimum is the 25/50/25, so that's my insurance policy.""
Does anyone know any good cheap insurance companies to insure my car?
Does anyone know any good cheap insurance companies to insure my car?
Whats the cheapest insurance i can get for a 2006 or 2008 suzuki gsxr 600?
Whats the cheapest insurance i can get for a 2006 or 2008 suzuki gsxr 600?
Texas Car Insurance Questions?
I'm living in Texas for school right now and I've been driving my car which is licensed, insured and registered for Michigan because I'm technically still a Michigan resident. At the same time I'm still paying insurance on a car of mine thats in Michigan for my mom to use. Well, the car that I've been driving here in Texas died on me so I went to a dealership and bought a new car. Now I'm unsure what to do. Do I call my insurance and have them insure it through Michigan again? (But then how would I get my Michigan Plates?) Or because I bought it in Texas, am I suppose to register it in Texas and get the state inspection and then insure it in Texas? I'm so confused. In Michigan, the cars don't need those yearly inspections.. so idk what that is. Also, I'm considering staying here in Texas once I'm done with school..so I feel like that plays a part in my dillemma too.""
For my car insurance I have full coverage. Have a $500 deductible to fix a broken window. Is that normal?
A rock hit my window while I was driving and i have a $500 deductible to fix it. I wanted to see was that really high or normal? I have full coverage. I just want to see how this insurance compares to others. $500 deductible just seemed a bit high. Thanks!
Where is the cheapest Motorcycle insurance for a Honda CBR500R in Vancouver?
I'm a new rider buying my first bike. I am not really sure which options are available for insurance. I know ICBC has mandatory liability that has to be paid to them, however I'd like to know where the cheapest motorcycle insurance for a CBR500R is. Any help or info would be appreciated - Brad""
Is insurance required in north carolina?
if one had a car registered in georgia, he decided to pass through NORTH CAROLINA, the insurance expired, he gets pulled over. WHAT WOULD HAPPEN?""
Who is responsible for insurance on car.... the owner or driver?
I'm going thru a divorce and my husband has been paying the insurance on our 3 vehicles. However, I believe the policy has not been paid and due to lapse the first of July. I'm getting insurance on the car I'm driving, but my husband alternates driving between the other car and truck. The truck is titled in his name, but the other car is in mine. I can't afford insurance on two cars. If he drives it, and he's stopped, who is responsible for the insurance?""
Would you switch car insurance companies after 10 years to save money?
Since 1997 I've been with the same car insurance company. Have had FANTASTIC service and support with claims and general questions. I use the same company for car insurance, home owner's insurance, life insurance, and to manage my IRA. When pricing out alternatives I realize that I could save about $50 a month by switching my car insurance to esurance. I attempted to get my current insurance to match their price without success. I'm very leery about possibly loosing my excellent service and support from my current company. Would you switch to a new company, and possibly a worse company, to save money?? I can easily afford my current company, but I'd obviously love having an extra $50 a month to plan with.""
How does health insurance work?
Forgive me for being financially illiterate, but I've never had anyone to teach me these things even in school. I don't really understand how health insurance works, like, at all. I am sick, and I rely on family health insurance to pay for my treatment, which my dad pays for. But eventually I will have to pay for my own health insurance. What I've gathered from what I've read about it is that you are usually not eligible for many types of health-insurance if you have a pre-existing condition. What does this mean, though? Does that mean that because of my illness, I will not be eligible to get insurance? How do other sick people get insurance? Forgive my stupidity, no one has ever tried to teach me these things.""
Is American Family Insurance a good insurance company?
Currently I have State Farm on my car and EMC on my house. I found out I would save money if I switched both insurances to American Family Insurance. I was wondering if this would be a good choice?
What Vehicle has the highest insurance rates?
I friend of mine wants to purchase a Mustang and she was told that the rates in Georgia would be high....Does the color of the vehicle make a difference also?....I have heard the color Red would bring you into a high pay rage with insurance....not too sure so I'm asking....thanks
What is the best and the cheapest car insurance in ontario?
What is the best and the cheapest car insurance in ontario?
Whats car insurance are good and cheap for a 25 year old male?
Looking for a good insurance that has reasonable prices with good service
TERM LIFE INSURANCE IN NEW YORK?
any companies offer no exam life insurance for residents in nyc? $50,000 or more.""
Can someone please explain the diff. between term life insurance and regular life?
Also is it better to just by a plot burial and lock in the rates today, my job does not offer life insurance and i would like some type of reassurance for my family if i were to die. I'm in the 25-35 yr range group, can anyone suggest polices or explain them altogether!""
I live in up state newyork need some help with finding some affordable health insurance.?
I live in up state newyork need some help with finding some affordable health insurance.?
About how much is insurance on an 18 wheeler truck ( the tractor) and about how much is a trailor 48' long
getting n2 the trucking world. expect to complete truck driving school oct 11, 2006. looking 2 start buisness or start working soon after.""
Do anyone know how much is 15% on your insurance?
When you take the practice Driving test how much percent you get off ...and . I'm 22 by the way an also do Anyone know where a nice driving course to. Take that's affordable an worth it?
Motorcycle insurance in ontario?
Im 21 years old and im looking for cheap motorcycle insurance in ontario. Any suggestions?
Finding the cheapest health insurance to waive school health insurance?
Hello, My college requires that each and every student have health insurance or else they will put you on the school's health insurance - which costs $500 a semester. I've been trying to find an insurance company/plan that meet the requirements to waiver the school's health insurance. Does anyone know a cheap health insurance company/plan in Colorado that meets these requirements? 1. Outside plan must have an annual deductible of $1,500 or less (if it's a family plan, members must have an individual deductible of $1,500 or less). 2. Outside plan must be a Comprehensive Health Insurance Plan that covers medical care for both Injury and Illness, including outpatient AND inpatient medical services. (Non-Comprehensive policies such as Injury, Diagnosis, Cancer, Hospitalization or Catastrophic only plans DO NOT COMPLY). 3. Outside plan must have Mental Health Care Coverage that includes both inpatient and outpatient benefits that have the following minimum levels: Inpatient -- coverage of at least $10,000 or 45 days, Outpatient -- coverage of at least $1,000 or 20 visits.""
Car insurance confusion?
I have full comp. insurance for my car and I can drive any other vehicle as 3rd party (As per policy). I also own another car which is not insured to anyone...Can I drive my this car (un insured) under my existing policy as 3rd party ?
Car insurance on a third gen camaro?
No idea who im going to for insurance but im19 and have 1speeding ticket on record ive never had insurance and my licensce was suspended for that ticket im trying to get my 1985 camaro on the road but testing the waters first and is there any way to reduce the cost of car insurance
How much should I expect to pay for car insurance?
I'm a 20 year old female, looking to buy something similar to a used 2001 Honda Civic with somewhere between 50K to 150K miles on it. No bad driving or anything on my record. Living in WV. Any ideas what I might expect to pay for car insurance?""
Why do insurance companies base rates on credit?
Illness hurt our family financially but we recovered and are on the credit mend. Funny thing is we have never missed an insurance payment - nor have we lapsed policies. We have been steady insurance users for 19+ years now. Our driving records and insurance record is also clean. Why is it fair for insurance companies to use credit against you - when they can't possibly know the circumstances.
Where can I find the best and most affordable Health Insurance?
not some rip off. but a real company and i hate BCBS
Car Insurance policies for teenagers?
Im 16 and i wanna get a car. First what is the average cost for car insurance a month for a teenager. I know it varies among companies but i just want a reasonable number. Second, would it cost more for my parent to by car insurance for them and then add me to their policy or just get the insurance for me/""
How do traffic tickets affect insurance premiums?
So if you get a traffic ticket you generally get: a fine, driving school and it makes your insurance premium worse. Is this always true when it comes to the insurance? Is this a rule defined by the insurance or can something be done to avoid that insurance thing? The state is CA btw.. if that matters..""
Car insurance questions?
I was parked in front of my house and a lady came along and hit my car totalling it by the looks. I think I just signed up for basic insurance. Because she hit my parked car, is the towing and cost for keeping my car covered on my insurance or hers? And also don't know if I can get a car rental at all? And I was also wondering if the car is totalled will they pay me to get a new car? Or just pay me some money back for the car? It says under collision actual cash value. Thanks for any answers because I can not figure out what I have on this paper or if it goes on hers!""
What is some cheap car insurance companies?
hey so i'm 18 & i'm looking to insure my car again after letting my brother have ago and he crashed it without being insured, i've been to court & i got a 6 week ban & a fine but im starting to look for insurance 7 i was wondering if anyone knew of any cheap ones to try? cheers""
For my car insurance I have full coverage. Have a $500 deductible to fix a broken window. Is that normal?
A rock hit my window while I was driving and i have a $500 deductible to fix it. I wanted to see was that really high or normal? I have full coverage. I just want to see how this insurance compares to others. $500 deductible just seemed a bit high. Thanks!
What is the average cost for car insurance for a first time driver and where can I get it?
What is the average cost for car insurance for a first time driver and where can I get it?
Financed a car- car insurance went WAY up?
My husband and I recently sold our old car and financed a used low mile 2007 ford fusion. Our car insurance previously was around 60 dollars a month, now it's over $200.00. The reason our rate increased was our finance company requires certain insurance (comprehensive and collision) that we didn't have before. My question is, do we have to keep this insurance on the car throughout the financing period? They sprang this little tidbit on us right before we signed. We tried to get financing three weeks ago and suceeded, but the person working with us went out sick with swine flu and no one from the bank let us know. We ended up calling last week and they put us with someone else/ It put us in a time crunch since my husband was leaving for Naval OCS the next day. If we have to pay it, it's not a big deal, but we're a young couple and it's money we could be putting towards our student loans.""
Car Insurance - No claims question?
If you have been banned for a year, and are now back and allowed legally to drive, can you continue to use/put down your no claims bonus. For example, if you had 9 years, then were banned for a year, can you put the 9 down this year? Or does the ban wipe that out? As the ban wasn't a claim on the insurance, can it still be used? Does anyone know, or any ideas where I could check this out? Looking for quotes online and Im not sure which number to put in.""
Car Insurance for Tourists?
I bought a new car in Germany. It is insured through its manufacturer. I then left Germany and went to another country to work and live. Since I wanted to keep the car, I drove it to my new home! For the first 3 months (I am told) I am still insured as a Tourist. But I wonder... Say I have an accident in this new country, we exchange insurance details, etc... Where should the other driver go to get his compensation and file his claim? Has anyone ever had an accident with, say even, a rental car from another country and found out that they live elsewhere and . . . How should one deal with this situation where there might even be language barriers between the two drivers and the forms they have to fill in? Thanks in advance
Walmart $4 prescription list....only with insurance?
Are the awesome 4 dollar prescriptions only when you have insurance? I don't have insurance, can I get my regular 4 dollar script for still 4 dollars?""
How can I obtain drivers insurance when neither parent has a license in California?
because insurance is a binding agreement that requires one parent to have a valid license, and neither of mine do, I cannot buy auto insurance. - My grandparents will not help me either I have 1000$ to buy insurance, and I will drive either way, insurance or not, is there any loophole around this law? thanks.""
Whats the average cost of insurance for a 21 year old female?
Whats the average cost of insurance for a 21 year old female?
I need a list of affordable cars that look like a sports car but aren't considered one by insurance?
Or just a list of sports cars that tend to have lower insurance.
Insurance question?
has anyone been or is currently pregnant and without insurance? I see that it's possible to get individual insurance with a maternity package, has anyone applied for any of these? Does anyone have any experience in this situation?""
If Im late 4 days on my car insurance payment will they terminate my policy?
There was an unexpected illness in the family and I am going to be about 4 days late paying my auto insurance bill. How will this affect me? will they cancel my policy? will they charge me an extra fee? any help is appreciated...
Health insurance question..?
I have bcbs of tx. My mom got it for me when I was there. I am now living in California but still have the insurance from bcbs tx. So can I still use the insurance that I have right now at the doctors office. Or I cant? If i cant, then what do I have to do in order to use my insurance..? Another thing, I am 17 years old so do I have to be with my mom if I make an appointment, or can I go by myself, Or do I need an adult to go with me. (I'm living with my uncle right now.)""
How much will be car insurance be?
The car is a Honda Logo and the first part of the registration is W388 It is manual hatchback, uses petrol and isn't modified. I have no idea on the mileage. I am 17 year old new driver. My mother, father and grandma are all drivers on this car, I will just be an additionAl driver. They have all been driving 20+ years and have no claims. I live in an area that is fairly busy. The car will be parked on a public road outside my house unless in use. It will be used by me for social only. My other family members use it for running errands and shopping. How much can I expect my car insurance to be on this car? Will it be less than 2000? Thank you""
AIG car insurance in west coast?
hi i recenlty moved from east coast to west coast...i used to have car insurance with AIG while at eastcoast....does any one know if AIG serves car insurance in westcoast also.....especially in Los angeles
Insurance Quotes?
So i just started driving and my parents put my name under the title of our van because the insurance was cheaper. Well i would like to save up and get my own car, but they keep bringing up that the insurance would sky rocket. The van is a '03 Honda odyssey and the car i'm looking at is a '91 Toyota 4runner. If anybody could give me a ballpark estimate of how much the insurance will cost for one verses the other. I'm 16 and live in the zip code 80127. Dont know if any other info is needed. Thanks.""
What are the prospects of providing more Californians with health insurance in the future?
Considering we are producing more and more people without health insurance than other states, despite the fact that we paying the highest state taxes""
Is the nissan 240sx considered a sportscar when dealing with insurrance?
which would cost more for insurance, a 1997 nissan 240sx or a 2008 scion tc and is the 240sx considered a sports car?""
Motorcycle insurance question?
Hey, I dropped my motorcycle on the right side yesterday during a turn. It's a 2009 Kawasaki Ninja 250r. Two pieces of fairing were damaged pretty badly (right side and front piece). I just got insurance the day of the drop (before dropping it). Will insurance cover the damage? Also is it even worth getting them involved? I already have very very high insurance ($400 a month for a Honda Odyssey) due to previous car accident. I don't want to get any more things on my record. Will my insurance go up if I call them? The replacement fairings will cost me $560 out my pocket. I have a $250 deductible on the bike. So I would save about $300. Is it worth it?""
Would I be able to afford this car and car insurance?
I make $1200 a month. I currently pay $400.00 rent and $70.00 for my phone. I'm looking at a car that would cost me 180.00 a month plus 100-120 in car insurance. Plus groceries. 130 a month. I'm just worried I wouldn't be able to afford this but I really need a car. What if I move out and rent goes up? I'm a stressful person and stress about everything before I commit.I also have a dog to take care of. What do you guys think? Would I be able to afford It or would I be way to close to barely living?
Need help on car insurance for young driver?
Hi! I've been struggling to get a good quote for car insurance for a while now. I tried all the big name comparison sites and every one is quoting me 4k (monthly installments). I opted for third party and theft, i am 22 years of age and my postcode starts with sl1 (slough) and i got pass plus and had my licence (manual) since march 2011. I got my car already its a Peugeot 206 1.6l petrol manual 1999 3doors. If you have time you can try for yourself with the above details the quote is freaking too much. Is this just how it is or am i doing something wrong? If you can point me to the right direction that would be amazing!!""
""In Maryland, is insurance required to drive a car?""
I'm going to be living on my own soon and there's no possible way I can afford it on my own. By the way, does anyone know how much it costs to be insured as an 18 year old on your own policy? What about for a motorcycle?""
""What do i do if i need to see a doctor, but dont have insurance?
i need to see a doctor but dont have any money to pay off future bills. what can i do? i live in nh. are there temporary insurances that are affordable? should i just go and not pay whatever bills they send? will i get denied if i have no insurance or any means of paying the medical bills?
Have you ever gotten a car insurance quote online in Illinois?
how easy was it to get the quote? was the process confusing at all? Did the site explain what coverages you needed and why you needed them?
I'm looking for a car insurance in Michigan that's cheap?
All i need is a cheap plpd auto insurance. My car is not worth much and I'm not going to spend a lot on car insurance for it. All I want is for the other driver to be fine. If you know of any cheap auto insurances let me know.
""After i register my car how much time do i have to get insurance, while still driving?""
I just registered it today and i was wondering if i can drive it around, till i get insurance this weekend. Im in MN.""
Best renters insurance in california?
Best renters insurance in california?
For my car insurance I have full coverage. Have a $500 deductible to fix a broken window. Is that normal?
A rock hit my window while I was driving and i have a $500 deductible to fix it. I wanted to see was that really high or normal? I have full coverage. I just want to see how this insurance compares to others. $500 deductible just seemed a bit high. Thanks!
Life insurance for police officers?
Can police officers get extended life insurance to cover death on the job? If so, how much - 5 million?""
Daily car insurance for a 18 year old?
Hi, I don't really know where to look, but my friend said that it is possible to get daily insurance for my age... I guess the question is where can I get daily insurance that allow 18+ If it helps, the car is a bmw 5 series m sport.""
What is no claims discount in car insurance?
What is no claims discount in car insurance?
What is the best teen driver insurance in California?
Taking driving test tomorrow and need insurance coverage for just me, 18 years old.""
Will my parents car insurance go up if they co sign for me?
I have my own car and need car insurance but I need my parents to co sign for me. I'm getting a different insurance company from what my parents have on a different everything. Will them co signing for my insurance affect their insurance with anything? Like will their insurance go up because they co sign for me? Or if I get a ticket or in a wreck will it raise their insurance costs? We live in the USA.
How much will my Car insurance go up?
I hit a car in Los Angeles and I have State Farm. The guy I hit drives a range rover and all I did was scratch his driver's side door. The body shop wants $1200 to repaint the door, which I think is insane. I would pay cash, but $1200 is a lot of money. Does State Farm have accident forgiveness, or will my premium go up if I claim this on my insurance?""
""525i First car, how much insurance?""
Hey, Im currently trying to get my driving lisence and I was thinking of buying a BMW 525i 1995 model as my first car, how much will the insurance cost approximatly? i know it will be expensive, but how expensive?""
What is better and cheaper for Auto Insurance in BC vs. Alberta?
I'm purchasing a new car, and i'm currently in British Columbia, i have two residences, one in BC and one in Alberta as i go to school in Alberta. I'm wondering what should i do with insurance would it be better to insure it under BC or Alberta?""
Motorcycle Insurance?
I am looking at a red 2007 Honda Shadow VLX. I'm a 21 year old female, I'm on State Farm with my car, living in Lake Charles, which is probably one of the bigger cities in Southwest Louisiana. Just wondering what average cost might be to insure this bike. Like, minimum or if it's totaled. I only have one speeding ticket from a year ago on my record I believe. Thanks!""
Help with life insurance?
Term insurance is recommended over whole life insurance for most people. If you, too, choose term insurance, how might you then provide a long-term savings for yourself since term insurance has no savings plan?""
Regarding Health Insurance?
If I leave my employer and I have a health insurance from united healthcare for myself + my spouse. WIll it be possible that I can continue getting the insurance coverage......If Yes, how much more would I have to pay then?""
Is it necessary to buy Rental Car Insurance even though i have my car insurance policy with me?
I have a car and have taken Auto insurance for it. Now my question is if i take a rental car, then my auto insurance policy for my car covers it or i need to take separate insurance for the rental car? When i took the auto insurance policy, they have taken my car details and its present in the insurance card also. If i need to take insurance for rental car, what type of insurance do i need to take excluding my auto insurance policy coverage that applies to all cars? Also if i am driving someone else car, will my insurance cover if there is any accident i have made?""
Cheapest Car insurance in New Jersey?
Looking for cheap car insurance companies in New Jersey.
17 Year Old Insurance Question..?
What would be the average cost to insure any type of vehicle to a 17 year old foreign male (has no SSN, on a special permit VISA to live in the states)? I have around 12k to spend on the car, so i was looking at a few cars and the 2002 Audi TT (225hp, 6 speed M/T, 2-door sports coupe) seems to be the best car i can get with that money. Now ofcourse, i don't know what the fees are going to be like and it doesn't help that im a foreign student living here because my dad moved here, don't have a SSN/greencard etc (i have a special permit VISA for residence). will this impact my insurance a lot since im not a citizen of the U.S.? and so..how much would it really cost to insure an Audi TT as a 17 year old, honor role student who will complete the driver safety course, have same insurance as family policy, most likely be accident free (for state farm insurance) and have completed the steer clear driver's discount program? and some other general questions, what would be the difference in insurance premiums if instead i chose a 4-door sedan like a Honda Civic (2005)? I tried getting quotes from State Farm (said i was 18 instead), they got me at hte basic plan for $350/month for 2002 Audi TT and $375/month for a Civic 2005. Anyways to reduce that (those prices were with most discounts except the family plan)?""
Any suggestions on best Health Insurance for a diabetic?
My son is in his late twenties, without health insurance and was diagnosed with juvenile diabetes, requiring him to take insulin daily. We are trying to help him with this financially, and bills are enormous. Any ideas on what might be the best health insurance plan for him? Thanks in advance for any suggestions.""
Can I have Medicaid Share of Cost and private health insurance?
I was approved for Medicaid in FL with a Share of Cost of $425. Can I also buy private health insurance with medicaid?
State Disability Insurance in California?
I was laid off in December (company went under) and in March I got pregnant. I have not found a permanent job and at this point am not going to try - who's going to hire a pregnant woman, right? I am receiving unemployment which will be running out in a few weeks and I'm thinking about working for a temp agency until the baby is born to bring in some money. Does anyone know if I am working temp can I collect State Disability Insurance once the doctor tells me no more working? I'm really pissed...worked all those years and now I may not be able to collect through no fault of my own. Any help is appreciated. I think if I'm not working at all I can't collect but not sure. Thanks.""
How to change Car ownership for insurance?
I just bought used car yesterday(paid completely with cash). In order to add it own to my fathers insurance does the car need to be in his name and if so how do I go about doing it. the car is currently in my name and is it even legal for me to be driving it right now? I remember my uncle telling me something that you are automaticly covered when you first buy a viehicle!
Question about insurance?
Hi. Why car insurance is cheaper for: policy holder with driving licence held for 1 month and additional driver with provisional licence held for 3 months than: only a policy holder with driving licence held for 1 month ?? could someone explain me why is that ?
Mandated Health Insurance is different from Mandated Auto Insurance how?
The Supreme Court will be deciding if the government can force us to buy health insurance from a private corporation. The government forces us to buy auto liability insurance from a private corporation. I am at a loss to see the difference.
Can you get braces free if you have health insurance?
i want braces. can i get them free if i have health insurance
Motorcycle insurance rate estimation?
I want basic liability insurance for a lower cc Honda Phantom, 700 cc tops. I am a 21 year old male who committed a DUI 2.5 years ago and is now alcohol-free. For that reason, I feel ...show more""
How can i get lower car insurance for my newly passed girl friend ( UK )?
my girlfriend has just her driving test 2 weeks ago im getting her a car tomorrow, ive been checking through loads of insurance sites trying to find her the cheapest possible is there any tips and tricks what to enter on these sites they ask so many strange question, or should i insure the car than just add her as a named driver? or do you know off any cheap sites.""
How much does it usually costs for liability insurance on a car?
Buying a 1997 Ford F-150 2 door soon and wanting to know how much liability insurance is going to cost? just a Estimate is all Im looking for. :)
Whats the average price of car insurance for a teen with a 97 jet ta ?
Whats the average price of car insurance for a teen with a 97 jet ta ?
For my car insurance I have full coverage. Have a $500 deductible to fix a broken window. Is that normal?
A rock hit my window while I was driving and i have a $500 deductible to fix it. I wanted to see was that really high or normal? I have full coverage. I just want to see how this insurance compares to others. $500 deductible just seemed a bit high. Thanks!
https://www.linkedin.com/pulse/how-do-i-get-medical-insurance-jayden-weber/"
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