#this could only happen when you have an absolute expectation of zero liability and no accountability whatsoever...

[greater-than-the-sword]

Hillsdale U's new op ed says that military drones should (or must inevitably) be equipped with AI to "make the kinds of decisions that are currently made by soldiers, pilots and command centers". And you thought that it was bad when decisions on whom to kill were made by a desk jockey. Don't we have entire book and movie series explaining why this is a bad idea

[darkestwolfx]

Impact - Re-Review #35

“This is going to be a close one.”

“Isn’t it always?”

Hello everyone! So I’d just like to say a massive massive thank you for all the recent comments and reblogs on the Re-Review Series. Being busy with work this week I haven’t had the time I like to reply to everyone, but be aware that I have read every single response and if I haven’t replied to you, it’s not meant unkindly! I’m incredibly grateful for all your support with these, and glad to know you’re enjoying them - it motivates me to continue writing them.

Now, before we dive in with today’s installment - I can’t believe we’re on number 35 already! - I’d like to give a little note on Fanfiction works (which I know have been lacking from me lately!).

So tomorrow there will definitely be one piece to upload, I’m hoping it could extend to three, maybe four, but I’m working on the numbers I can guarantee I can deliver - which is an irrelief2020 prompt that I have loved from the moment I saw it and been desperate to write - so I’m hoping it will be well received! Hopefully I can bring you more works too, but if not, bear with me (like you all are, and I massively appreciate it)! If I can take any good screenshots from my chat with Australia (and the Red Pandas) [which by the time this goes up will only be hours away and I will have been awake from about 3AM UK time) I will throw them up for you all to see as a reward.

Anyhow, back to the Re-Review Series;

It’s EOS! It’s actually EOS, and she’s in the opening shot and we get to see her travelling around Thunderbird Five! I love it so so much. Look at those little red dots of... is that jealousy there, EOS?

“Lucky shot!”

“That wasn’t luck; that was skill.”

“Yes, I’ve studied it in college. It’s supposed to miss Earth by millions of miles.”

“However, it has apparently changed trajectory. And the probably of a collision with Earth is now one hundred percent.”

“What could possibly knock a comment that far off course?”

You’re about to be very sorry that you asked that, I’m afraid, John.

“We have a situation.”

“Uh... you always say that.”

Scott swiping Alan’s feet out of the way is absolutely perfect brotherly interaction once again.

“Something The Mechanic could have done?”

“Good guess, but no.”

“Langstrum FIschler.”

Uh oh... Scott is mad. Scott is very mad. The face said it all.

“Nobody said gear up’s were fair, Virgil.”

So, Alan is on form (as usual) in this episode, and we get to see Virgil’s first trip in Thunderbird Three! This makes sense as we were shown Virgil piloting Three  up to Five in TOS ‘Ricochet’.

“Any luck tracking down Fischler?”

“Not yet. That guy changes addresses more than I change socks.”

Um... I don’t know which part of that sentence to be more worried about...

“Hello, this is Langstrum Fischler, inventor and visionary!”

“And this is International Rescue.”

“Ah... Yes... so it is.”

You know what, I’ve been awake for too long now and am a little too tired to sit here and write the essay I would love to write on Fischler and his idiocy and made up names and processes. But I will have to write that another time when I am more able to write something which isn’t a load of prattle. So for now, let me just express my heartfelt feelings that said man is a liability. The epitome of liability even.

“John’s right. We do have a situation.”

As I have said before Alan; we wouldn’t have a show if you didn’t.

“What are our options?”

“We could try to steer the comet away from Earth.”

“Because we’ve seen how well that’s worked for Fischler.”

“Ah, yes, point taken.”

New catch phrase, maybe? FAB and RAD are totally outdated.

“I say we blast it to bits!”

Of course you do, Virgil, seems to be an area of expertise of yours, after all: demolition.

“I’ve loaded up enough demolition charges to do the job.”

“Wait, you put explosives on my ship?”

This is another of those traditional Alan lines that only Alan can ever really get away with saying.

“Alan, you fly a rocket. It’s already an explosive.”

“Point taken.”

I still adore this scene.

“This is Thunderbird Three. That was a rough ride.”

“But thanks to Alan, we’re ok.”

“Which is more than Fischler’s gonna’ be when I’m done with him.”

Yeah... it’s probably a good thing that Scott can only reach Fischler by holographics... the man would have a broken nose else.

“Better you two stay on task and blow up the comet.”

Not everyday we hear that from International Rescue!

“And Fischler’s rocket.”

“Especially Fischler’s rocket!”

Yes, we get it Scott. We get it.

“Meanwhile, I’ll break the news to Global One.”

Which of course happens to be where Ridley is based.

“Ridley, you may want to sit down.”

“Not so easy in zero gravity.”

Does she not know by now that John really struggles with humour and works in a high pressure environment where if he’s calling you, it’s probably because you’re in life-threatening danger.

“Ok, you have my attention.”

“Good, because all of you on Global One are in serious danger.”

“Only the last shuttle was short one seat.”

So, I highly doubt any space based organisation would miss-run a potentially life threatening calculation like that for one.

“Besides I thought you could use a hand with the towing operation.”

“What towing operation?”

“John, I’ve did the calculations. My maneuvering jets aren’t powerful enough to push Global One out of the way in time. So I’m counting on you to save the space station.” 

Secondly, that was the whole point of why John told you to leave Global One - there was no plan to rescue something which could be rebuilt. (Yes, I am aware here that the boys often try to rescue their own ships, but emotional attachment is the reason for those calls - I’m well aware Ridley’s call could be put down to the same reasons, but it’s a call that annoys me. One I don’t think a Captain should have made).

“Ridley, I’m not a tow boat Captain. I rescue people.”

“Ok, I’m people. Rescue me.”

So, thirdly, (and I’m aware I’m about to say some things that might not be well received, but), who does she think she is? I thought the character of Ridley was going to be a good addition to the show, but in this episode, I kinda changed my mind on that a bit. John is the sort of person who - whilst capable of remaining incredibly calm under pressure - does have a massive heart. I mean, look how he took in EOS after she nearly killed him (and potentially Scott, Brains and Alan) and gave her a second chance. Ridley knows he would rescue anyone because that is his job. Emotional blackmail doesn’t sit well with me - and whilst many might not see her actions in that way - that’s how they always come across to me. This entire conversation makes out very clearly that she stayed because she wanted IR to save Global One, but knew there was no chance of that occurring if it was just the ship in the comet’s way. So she stays, and then trips every switch that John has - because he (like most of the Tracy family in the odd world of 2060) has a conscience - and makes herself need rescuing when it could have been avoided. Maybe I see it more this way because I’ve always had a soft spot for John - up in space, all on his own - but even if this isn’t blackmail, it’s manipulative. And even if it wasn’t intended that way, it definitely works that way. With Alan and Virgil on the comet, the only other option is for John to act and - like Scott says - put himself in danger, all for one person who didn’t listen to him in the first place, someone who you would have expected should have enough knowledge (and apparent care) to listen to him. It just annoys me that she acted that way.

Right, potential discussion-opening opinion out there, but I felt it needed saying (although hopefully I’ve written that argument well and not done any tired prattle). Now to move on.

“John, what are you doing?”

“Trying to save Captain O’Bannon’s life.”

“Oh. Well then, carry on, Using Thunderbird Five?

“That’s the general idea.”

“John, come on! If things don’t go your way, we could lose Global One, Thunderbird Five and you!”

“Love to hear about a better plan.”

Unfortunately I have to now return to my above essay. You see my point?

“There may not be time to pull Global One clear of the comet. I’ll rescue you first, then we can try.”

“No! It’s like we discussed. Save me, save my station. Package deal.”

“Ridley, be reasonable.”

Yes, be reasonable, and don’t put people (i.e. John) needlessly in danger.

“John, this is my command and I am not about to abandon it. Would you give up Thunderbird Five if the boot was on the other foot?”

Already discussed this as well, so won’t repeat myself too much, but really, manipulative is the only word which struck me for all of this. There was (other than for the sake of expanding the episode) no reason for Ridley to put John in this position.

“Score one to you, Captain.”

See? Forgiving John (or maybe blind John) all over again. And wait for it;

“Just like climbing  set of monkey bars.”

“If the monkey bars are twenty-two thousand miles high.”

“John.. don’t help.”

Okay, really now, make your mind up because you cannot have everything, and I definitely believe that you cannot treat someone who is risking their life for you (job or not) - and who you might have considered a friend - like that. Seriously, she irks me in this episode, a lot (if you hadn’t already guessed). But yeah, I’ve seen the real life effects of emotional manipulation like that, and I personally believe Ridley was really out of order, and even after she became trapped, and John risked coming out to rescue her there still wasn’t any apology.

I’m with EOS on this one, not jealous maybe, but angry. She stands to lose a lot as well if she loses John and/or Thunderbird Five, remember.

“Did I see Thunderbird Three sticking out of that comet?”

Yes, yes you did.

“This is us leaving... Except the grappling arms won’t retract!”

“What?”

“I’m not thrilled about it myself!”

I told you Alan was on form, did I not? He did really well to get them out of that situation then. He really is a skilled pilot.

“They did it!”

“I never doubted them for a moment.”

Of course not, Brains. We’ll just never speak of it, shall we?

So, apart from the fact this episode was in space (key point that one) and was called ‘Impact’, it still shared many similar elements with the earth-based TOS episode ‘Edge of Impact’, alongside the soon to come ‘Weather or Not’ TAG episode. Combined, ‘Impact’ and ‘Weather or Not’ sum up many elements featured in ‘Edge of Impact’ quite well - the high tower, the endangered lives, the near-misses, the potential loss of life, entrapment, the technological failure... anything I’ve missed?

Oh, and I really love the above poster.

[carlyfrombleachers]

EMOTION, because a CRJ blog needs to talk about EMOTION.

Some things in life are inevitable. Life, death, consumption of media, crying, interacting with others, and many other things, they are simply inevitabilities. Another inevitability is a Carly Rae Jepsen blog talking about EMOTION. It is something every blog-runner is eventually faced with, because of how impactful this record is for everyone who has listened to it. We will all write our EMOTION thinkpieces someday.

This post will only talk about the standard 12 tracks, Run Away With Me to When I Needed You. I will write about the Deluxe tracks (Black Heart, IDJCHTD, Favorite Colour, NGTHY, Love Again) some other time. Okay? Okay.

Also, I just realized my last two posts had the word “brilliance” on their titles. I do not know why that happened, maybe I’m a fan of the word, maybe they’re both brilliant! I don’t know. But the word “brilliance” is being banned from my titles from now on.

With that being said, let’s begin.

The First Three Tracks

I have talked about how important the first three tracks of an album are in my previous post, about Gone Now, but basically, the first three tracks are how they hook you, how they pull you in, how they make you stream it over and over. And EMOTION’s appetizers of Run Away With Me, EMOTION and I Really Like You are quite the solid ones. Run Away With Me wins every single “which is the best CRJ song” poll, so I really don’t want to talk about it, because I think everyone recognizes this is a good track. Personally, I think it is okay. Please don’t crucify me over this??? Thanks.

EMOTION is also a great track which I feel embodies what EMOTION (the album) is about. Which is why it shares a title with EMOTION (the album again). And this is what EMOTION (the album) is about. Emotion. I know, Queen of Subtlety, everyone please clap.

In all seriousness, EMOTION (the album!!!) is about love and the emotions that drive us. The love part is introduced with Run Away With Me, and the emotions, with EMOTION (the track). Run Away With Me is about unconditional love, about wanting to run away taking only the person you love the most. About forbidden love. About running away from all expectations and pursuing only love. EMOTION (the track again) is about evoking emotions in others, in those who you loved or still love, about wanting them to experience all emotions you two experienced together because you feel wronged by them.

And then we get to I Really Like You. I don’t like I Really Like You. You could say I Really Don’t Like It. And the fact it was the lead single? That’s just a weird choice. Sure, it’s catchy, and Tom Hanks is in the music video, but it’s just… not impactful enough? It’s very lovey-dovey, but that’s all it is. Love. Really Liking someone. There are better songs out there. But well, the first two tracks are so good, I think it hardly matters.

The Second Three Tracks..????

The middle of an album is weird. This is usually where themes are explored and pushed far. Lorde’s Melodrama features The Louvre, single Liability and Hard Feelings, where the themes of love shine through after their introduction through Green Light and Sober. Bleachers’ Gone Now features lead single Don’t Take The Money, along with Everybody Lost Somebody and All My Heroes. EMOTION’s tracks 4 through 6 are Gimmie Love, All That and Boy Problems.

These are weird tracks. The theme of love is very loosely present in all these songs, and the 80’s vibes shine very strongly here (especially in All That), but there is not much connecting all of them. Gimmie Love is about doing it with an ex, who you wish still loved you, All That is about being and doing everything for someone, and always being there for them, and then you have Boy Problems, which is, well, about how Boys Suck. The storyline of the record is confusing at best, much like Dua Lipa’s Future Nostalgia. Future Nostalgia, much like EMOTION, is an album about those cool disco vibes and there is not really a present, recurring theme shared between most of its tracks. The progression on EMOTION is basically, “I love you, let’s run away”, then “I hope you suffer, because I kind of want you back”, followed by “Hey, I like you!” which then becomes “let’s have sex”, and then “I want to always be here for you and do everything for you and everything about you is incredible”... only to be stopped by “hey men are kind of trash aren’t they?”, the progression is all over the place. A record doesn’t need to be composed of only tracks that tell a concise story, of course, and I’ll talk about what this means for EMOTION later on.

The Second Set Of Second Three Tracks

“When you need me / I will never let you fall apart / When you need me / I will be your candle in the dark”

This is for later, don’t worry. :)

Tracks 7 through 9 are also quite the odd bunch, with a bunch of odd tracks with zero correlation between each other. 

Making the Most of the Night is about being there for who you love no matter what, much like All That, with a sick beat instead of the more chill vibes. Your Type is a song about jealousy, one that is very welcome on EMOTION because it displays both themes of love and emotions very well. Your Type shines. It ranks very highly on every EMOTION ranking I see because it’s hard-hitting. “I’m not the type of girl for you / And I’m not going to pretend / I’m the type of girl you call more than a friend / And I break all the rules for you / Break my heart and start again / I’m not the type of girl you call more than a friend”? Damn. Let’s Get Lost is kind of meh. Run Away With Me did the whole “running away from everyone” deal a lot better. But I think it sets out to do a thing and it does the thing. Not particularly impressive, but it’s good.

I have seen people go insane because of someone saying their favorite EMOTION song was bad or annoying, so if you have felt personally offended by any of these, send me an ask. End all your asks with “+” so I know you hate me. It’s okay. My self-esteem is quite high nowadays. I also wish to keep track of which of you to watch out for. Unless you send them anonymously, of course. In that case, I hope I know how to evade you. I have seen this happen very frequently with people who like Let’s Get Lost, so that’s why I’m apologizing.

Why didn’t I apologize at the end, though? Well, it’s because the next three are my favorites.

The End: The Last Three Tracks

The last songs of an album are magical. All the themes shine after their exposition in earlier tracks, allowing the record’s message to be complete and meaningful. Of course, not every record needs to do this, but it’s a lot cooler if they do.

L. A. Hallucinations is a nice song about a love story that starts being interrupted because of fame and how impactful it is to one’s life, Warm Blood is this eerie-sounding track about creating this façade and hiding who you are, only to meet someone who makes you give up on everything because you wish to be completely truthful to them, and When I Needed You is the best Carly Rae Jepsen song. No, I am absolutely not biased, shut up.

I think the album’s title, and its theme of emotion, shine on the last tracks. The build-up for the closing track is simply wonderful, and it just ties everything together. The connections that opening and closing tracks (or simply first and second halves) have is a beautiful thing to witness. Let’s take Melodrama as an example, since I’ve been listening to it a lot lately.

Melodrama is divided into two main parts: Green Light through Hard Feelings, tracks 1 through 6; and Loveless through Perfect Places, tracks 6 through 11. The first half of the album is dedicated to Lorde sharing how she feels, how her breakup makes her feel, how harshly she feels everything. How she loved and how she is no longer loved, how she didn’t care about what happened to her as long as she was having fun and how she sees that what she was doing hurts herself. The second half is Lorde accepting that she is not loved by him anymore, that it is not really her fault and that she has to move on, knowing that her ex may or may not realize what he’s done. That’s why we get Sober II, when Sober was present in the first half, and Liability (Reprise), when Liability was also in the first half. The first half was about hurting and feeling awful, while the second part is about how you're not the only awful person out there. In Liability, Lorde believes wholeheartedly that she is a burden to everyone, that she is too much, that she needs to disappear, but in Liability (Reprise), she mocks such an idea, or perhaps even comes into terms with the fact that she is a liability, and then follows it up with “Whatcha gonna do?”, because if she admits such a thing and is not bothered by it, then it doesn’t matter. After reflecting on whether or not she’s a liability, she doesn’t care anymore.

EMOTION's When I Needed You is basically Melodrama's second half crammed into a single track, and oh, does it sound good. This track fixes every single problem I had with EMOTION's inconsistency, its contradictory themes. Because I can just argue that it's foreshadowing. This is the part where I argue that it's foreshadowing.

When I Needed You, And How Great Closing Tracks Are Important

When I Needed You basically turns EMOTION on its head. Everything about this track is straight up perfection. All the emotions that kept hiding from you and refusing to show themselves finally do in what is, in my opinion, the best closing track of any pop record.

It’s just… the way everything sounds, the amazing production, the lyrics, it’s all just… so perfect??? EMOTION (the track), Your Type and Boy Problems kind of don’t fit the theme of the rest of the record, they’re not about how amazing it is to be loved, and instead are about how painful it is (for EMOTION and Your Type) and how love does not matter (Boy Problems). When I Needed You somehow manages to tie all these themes together with stellar lyricism.

“Sometimes I wish that I could change / But not for me, for you / So we could be together forever” 

The sheer power of these lyrics, oh wow. Carly is just so tired of things not working out that she wishes to become someone else. She wants to be who she isn’t. All of that, just because she likes someone who doesn't like her for who she is.

“But I know, I know that I won’t change for you / ‘cause where were you for me? / When I needed someone / When I needed someone / When I needed you”

Very few records reach this level of… I don’t know. It’s hard to explain. But not every track can take the premise of “I wish I were someone else, but is it worth it?” and do it like When I Needed You does.

Remember what I said in All That, how I saved those lyrics for later? This is the part I bring them up.

“When you need me / I will never let you fall apart / When you need me / I will be your candle in the dark”

“[...] where were you for me? / When I needed someone [...] / When I needed you”

Carly wishes to be everything for someone in All That, she wishes to do literally anything for her lover, but in When I Needed You, she reveals her lover won’t do a single thing for her. Her lover does not care for her. And it doesn’t matter what she does, it doesn’t matter because she is not who she wants her to be.

I’m a Bleachers blog too, so I’m bringing Strange Desire up. I think Strange Desire, much like EMOTION, suffers from not having a very cohesive theme between all its tracks. Most of them are about love, and then you have I Wanna Get Better, and some more songs about love, but the album is quite… tame? It sets out to do something and it does it, and I like it.

The final track of Strange Desire, “Who I Want You To Love”, is quite the odd one. Whereas most songs in Bleachers’ first record are about wanting to see someone evolve while also struggling with evolving yourself, Who I Want You To Love is not really like that. It’s more like a “I give up” letter.

“I will love who you want me to love / Oh, I will bleed when you want me to bleed / But I don’t wanna know too much of anything / Because it all hurts me”

WIWYTL is simply about giving up. Going so far you don’t care about what happens to you. And it’s a perfect closing track for a record like Strange Desire. It has feeling. It has emotion. It has power, strong themes, a message. It’s beautiful. If you only come here for my CRJ content, I highly recommend you listen to Bleachers. It’s a bit wonky at first, but I’m sure you’ll love it if you give it a try.

Back to CRJ though, When I Needed You is an example of how to do a closing track. The weird, contradictory messages that popped up every now and then? It was self-doubt. Doubt that this relationship could grow. That maybe everything was not so great. She experiences a breakup, then falls in love again, and again, and again, only to realize she was changing too much for the people she loved, she was doing too much, and she doesn’t need to do too much. She needs to be happy and make others happy being herself, instead of changing who she is. And this is the main lesson you should take from this song: if you’re changing who you are just to satisfy someone you love, and you’re not happy with who you’re becoming, stop. It is not worth it.

I think every track has a message that can be taken from it, and the most important ones lie in Run Away With Me and When I Needed You. And I think that’s why so many people LOVE Run Away With Me. Because they love the message. Because of how beautiful the lyrics are, and because of how many people identify with wanting to run away with who they love, because they’re queer, because others would not understand, because being LGBT+ is seen as sinful. Or maybe it’s about sex, and that’s what the sinning implies, but I like my (and many other people’s) interpretation better.

Well, that’s all I have for today! Have a great month and happy holidays. As we approach December, I might start pumping out extra content, potentially talking about other records I love (Melodrama lol) or some other things I feel like you (my beautiful lovely readers) might enjoy! If there’s an album you want me to listen to, feel free to send me recs through the asks function! Goodbye.

[neverwatchedonepiece]

594-595: "Formed! Luffy and Law's Pirate Alliance!" and "Capture M! the Pirate Alliance's Operation Launches!"

After seeing what the Strawhats are really like and realising what he’s got himself into, Law has longing visions of the apocalypse.

That look on Law’s face.

You all know the one I’m talking about.

The one that started as a sweatdrop and morphed into a full-blown look of: I deeply regret this but am in way too deep to back out now.

I watched that scene three times. Pure gold.

If You Keep Telling Everyone About Our Plan, Maybe

So I think I misjudged Trafalgar Law.

Maybe.

Still not one-hundred percent certain Law does not have another hidden agenda but... I am about seventy percent on board with the fact he has good intentions. At the moment. Like Robin said, pirate alliances are marked by betrayal, so this could change in future. (But I don’t want it to. I like Law as a good-ish guy.)

Like Nami, I was also was not expecting Luffy to accept so quickly. Maybe at the end of the arc, I thought. Have no idea why I even entertained that daft idea. This is Luffy we’re talking about. 

Law sold it as best he could without giving Oda’s entire plot away. “I’m not saying we can beat the Yonko right away. There is a chance, if we do it step by step. What do you say?”

Luffy’s daft but not an idiot. He asked Law to which Yonko he was referring. I’m guessing that was important because I honestly can’t see Luffy going against Shanks unless something really serious puts something between them. I was pretty damned interested in Law’s answer, so when Oda used that favourite trop of his: a sudden howling blizzard carried away Law’s voice, I laughed like a drain and cursed Oda and his teasing ways.

Fine. I get it. I won’t know at least until after this arc.

I also liked Luffy’s reasons for accepting Law’s offer of alliance. One, it sounded like fun. Two, he thought Tra-guy was a good guy. And three, even if he wasn’t, he had his Strawhats, who had spent the last two years training to become stronger (with the implication they could kick Law’s ass if the misbehaved).

This totally won over the Strawhats. They sort of melted into a puddle of giggling, flattered, enraged goo. Law was standing there staring like, “Wtf are these people?”

Still, as a gesture of goodwill, he unshambled all those who were able to be restored to their bodies. I am guessing is because of plot. Chopper and Franky are back to normal (Chopper had to leave with Law for a reconnaissance mission to Caesar’s lab). However, Nami and Sanji are now inhabiting each others’ bodies (because Sanji was not nearby to be restored to his own. I’m guessing you’ve got to be in Law’s Room).

Law was also not keen on the experiment kids. They were a pain. A liability. Forget about them. He’d heard from Caesar they’d been drugged. Chopper and Nami protested. They knew about the drug. They had already decided to take the kids back to their families. Law revealed the World Government have been trying to turn people into giants for hundreds of years. Why? In order to manufacture soldiers to increase their military might.

Apparently, Caesar wants to perfect the process first and outsmart Vegapunk and the World Government. (Okay, so Caesar is not still working for the WG after all. Is he that wealthy he can fund himself or is another faction bankrolling him? Maybe the Yonko Law is talking about defeating?)

Law was still unconvinced helping the kids was a good idea. “Are you willing to stay here alone?” he asked Nami.

Luffy, the Best Captain, jumped in. He would not leave anyone behind. If Nami and Chopper wanted to help the kids, he was fine with that. Sanji felt responsible for the Samurai Guy too. So Luffy would stay with them.

Usopp was so funny here. He leaned over Luffy’s shoulder and gave Law some Strawhat Context. “You think an alliance is a cooperative relationship just for some common goal, don’t you?” 

Um... yes, Law answered.

Ha. Well Luffy’s idea was different. It’s like being friends to him. And if Law was thinking of taking control, it would not be that easy. Once Luffy feels sure about something He Will Not Back Down. His selfishness, Usopp said, was as formidable as a Yonko. (”That must he hard,” Luffy said. xD)

At that point, I think Law reached his Strawhat Saturation Point. These people were like freaking aliens to him. But whatever. He’d agreed to an alliance. So he laid out his plan of action. While the rest of the Strawhats took care of the samurai, he would go research the drug behind Caesar’s back. He needed the Strawhats’ doctor. Chopper was strapped to his hat. xD

Then, when that was clearly undignified, his back.

Before Law left, he issued a warning. Caesar wanted the Strawhats and the G-5 Unit dead. Until Caesar gets what he wants, he will not stop attacking. If any info leaked about him being on Punk Hazard, Caesar would lose his perfect hiding place. This is high stakes stuff for Caesar. He will fight tooth-and-nail to win. Not only that, he is a Logia type Gas Gas Fruit user who owns weapons of mass destruction with a 300 million bounty. Law cautioned anyone who couldn’t use haki to stay away from him.

Useful intel to have, to be honest. Thanks, Law.

And it was thanks to the conversation that I now know Zoro and Sanji can also use Haki. Did I miss that or is that completely new thing?

After that, came the part of the episode that was my Absolute Favourite. I definitely did not see this coming. Before Law left with Chopper, Luffy said, “So we’re gonna kidnap the Master, right?”

“Not for any money,” Law said. “To raise havoc.”

Despite the Strawhats asking, he would not tell them what lay ahead before they even successfully kidnapped Caesar. Focus on the job at hand. He would spill all later. Then said, rather ominously, “When we get Caesar Clown, things will move whether you like it or not.”

Ooooooooooooooh....

OOOOOOOOOOOOOOOOOOOH.

Now this is a juicy nugget of plot. I also do not think this has ever happened in One Piece: defeating the arc villain in order to kidnap him, use him as a catalyst and trigger some nefarious skullduggery in the New World with a view to taken down a Yonko.

Caesar Clown must be really something. I guess if he is an inventor and purveyor of weapons of mass destruction, his services will be in demand within certain sections of the OPverse. 

This is cool. I was a bit miffed when I realised this arc would end quickly as it has been great so far. You guys were right. This is an intro arc that seems to lead on to bigger things involving Trafalgar Law’s crazy idea.

Also, I cannot wait for Chopper to lay eyes on Caesar Clown for the first time. Chopper is gonna have to exercise some wicked self-control to not smack him for mistreating those kids. Chopper also asked Law an interesting question: if Law was so strong and could reach Caesar Clown that easily (because Law had just Roomed himself round to the lab’s back door), why could he capture Caesar himself?

Law deflected, as he always does. “I cannot because of a problem I have. That’s why I need help from you guys.”

A problem? Must be a pretty big problem. 

And by the way, where are your crew, Law?

I am making myself suspicious again.

I need to just believe in Law, like Luffy does. Because the arc villain is making a move.

And That Move Is Called Smiley

Smiley.

Cannot get over that. xD

Caesar, you crack me up. 

He’s probably one of those deranged scientist types who give their hellbeast creations adorable names. Everyone flees from the tentacled abomination that is Mr Binky Sparkle-Pants. Everyone knows Candy Smoochy Schmoo will devour your soul.

This one is called Smiley. Smiley is a sentient, hill-sized conglomeration of incredibly toxic waste left over from the chemical explosion four years ago. Caesar gleefully explain to Monet that when he escaped custody and returned to Punk Hazard about three years back, he did not purify the island of the poison gas (*the* only good deed he had left to his name!) I mean, why would anyone do such a wasteful thing? All that poison lying around? That H2S gas he had invented that killed everything on the island in second? It’s Free Real Estate, right?

What he did was (probably) use his Gas Gas Fruit (thanks for the confirmation, Law!) to gather all the leftover poison gas and compress it into a monster, which he secured in a vault on the burning half of the island.

And he called it Smiley. xD

I guess Caesar has a sense of humour?

At any rate, this squamous behemoth was unleashed by the gang of unfortunate fodders who were trying to break into a vault at the end of the last episode. I knew they’d meet a sticky end. I just didn’t know how sticky. 

They tried to call their wonderful Master to report they were being killed by a poisonous monster. 

Sympathy? In MY Laboratory? Get the FUCK OUTTA HERE!

But Caesar was in the lab, heard the DDM, was all like, “ugggggh, so needy!” He told his main minion not to pick up the call. Why? The fodders would just be screaming “Help, a monster is killing us! Save us!” How annoying, right?

And you know what else was annoying? The amount of visitors. Ugh. So many. Caesar seems to work in euphemism a lot because all he said was, “You can stop gathering test subjects now. We have enough.”

I’m guessing that’s code for “these freeloading Strawhats and Marines have overstayed their welcome. Time to die!” He had a jolly good lol to himself while Monet studied quietly in a corner (she must have learned to block out the cackling by now or she would get zero work done).

Caesar’s knowledge of how to manipulate human nature was summed up when he said, “People tend to forget tragedies in no time!” That is harsh but true. He knew sooner or later what happened in Punk Hazard would be forgotten by the majority, leaving him free to practice his wicked experiments with impunity.

He really is a piece of work, eh?

As of now, Smiley is currently oozing towards Caesar’s lab. Zoro, Sanji and Brook saw it approach on the horizon. 

They found Kinemon, by the way! His torso fell into the lake and sank like a rock because he’s a Devil Fruit user. Because of that, the rest of his parts became super weak and he almost froze to death. If Zoro hadn’t found him, he’d be dead. At least he’s finally grateful for the Strawhats’ help. I wonder what he’ll say when he finds out they’re working with Law, the guy who slashed him up? I wonder what Zoro, Sanji and Brook will say when they find out Luffy’s working with Law?”

It won’t be a secret for long, they way Luffy’s going on. xD

NO, WE DON’T HAVE A SECRET PLAN AT ALL. WHY DO YOU ASK?

While Law was sneaking round the back door with Chopper and Smoker and his crew were battling to seize Caesar’s ship, Luffy had a Big Idea. Back at the camp, he whispered to Robin and Franky, the Strawhats who would go with him. (I’m assuming Nami and Usopp are guarding the kids and waiting for Zoro, Sanji Brook and Samurai to return.)

Smoker was having a tough time. Fighting in someone else’s body was difficult. Poor Tashigi kept turning to smoke at random and couldn’t turn back. (You know what? If this wasn’t such a serious situation, it’d be well fun to have a go in a Devil Fruit User’s body!)

Then Luffy arrived with a literal BANG! He cannoned into the snow right at the front door of Caesar’s Lab and roared, “SHOW YOURSELF, MASTER! WE WILL KICK YOUR ASS AND KIDNAP YOU!”

I swear the impact from Law’s facepalm was heard as far as Raftel.

Trip Advisor Review: Punk Hazard

“Arrived on island. Was welcomed warmly by hotel proprietor. Accommodation was clinically austere but the bar was well-stocked. Woke up one morning and I was a centaur. Not pleased. Proprietor maintains he has no recollection of how this happened. Only other guest remains tight-lipped. Refused refund. One star. Would not recommend.”

[nagsale]

11 ESSENTIAL ROAD TRIP TIPS FOR BUDGET SAVVY TRAVELERS

When it involves travel, road trips are often pretty awesome. you'll stop at as many or as few places as you’d wish to go, get on your schedule, discover new places along the way, and see parts of the country you couldn’t if you were flying. But while road tripping might sound sort of a less costly thanks to traveling than say flying or cruising, it can also get expensive pretty quickly.

To begin the nice and cozy weather travel season, we thought it had been time to require a touch road trip and shake off the winter blues. Nothing that was an excessive amount of an extended haul, but had beautiful scenery, fun things to try to, interesting stops and much great food, wine, and craft beer. We selected driving through beautiful Southeastern Pennsylvania, with stops in Gettysburg and Lancaster County. Once we planned out a route, booked places to remain and visit, got our car serviced and packed up only enough clothes for the 5 days away, we were able to head out. much fun and… much money with things we learned along the way.

But, we've you covered. Here we offer you 11 tips and tricks we learned on our last road trip which will assist you to economize and stick with your travel budget next time you hit the road. And away we go…

1. Create A Budget Before You Go

If you don’t want to run out of cash on your road trip or click to a MasterCard bill which will knock you off your seat, make certain to make a budget. Road trips and traveling generally are often plenty of fun. But it also can get really expensive if you don’t plan properly. Whether it's for expected expenses like gas, food or activities you recognize you would like to try to, or unexpected mishaps like car trouble, it’s best to possess everything so as so you'll have the simplest trip possible. Start by making an inventory of all the expenses you'll reasonably plan for including, lodging, food, gas, and tolls. Once you recognize what proportion you would like to spend on necessities, whatever is left over you'll use for extra goodies like activities, museums, tours, wine, and beer tastings and souvenirs.

2. Plan Your Route Before you allow

One of the simplest ways to save lots of money on your road trip is to plan and map your route beforehand. Planning your course before you allow the house will offer you a solid idea of which routes are the foremost efficient and economical thanks to your destination. this will prevent major headaches and time on the road, and may get you to the fun places you would like to travel faster.. and that we all know spending less time on the road will prevent more gas, which always = money.

Some many online tools and apps are designed to form this step super easy. one of my favorite ways to start out planning a road trip is by aged Google Maps. Not only is it incredibly accurate, but you'll plan your route consistent with distance, time, and plot a course that avoids toll roads. While all tolls won't be avoidable on the thanks to your destination, oftentimes there’s a route which will get you to where you would like to travel within the same amount of your time, without having to tug money out of your pocket at the toll booth. you'll also add multiple stops to your itinerary and use the “Street View” tool to urge a true life actual street-level view to assist you easily find landmarks and see locations you would possibly visit beforehand.

I also love that if you happen to hit traffic along the way, Google Maps will recalculate to offer you an alternate route to assist you to save time if possible. Less time idling in traffic also will help conserve gas and keep you from having to refill your car more often.

3. Never Pay ATM Fees On The Road Again With This Travel Card

It’s inevitable. At some point, you’re getting to need cash on the road. And one among the foremost annoying expenses when traveling? ATM fees. And at anywhere from $2.00 to $3.50 per transaction, they will add up quickly. absolutely the best solution we’ve found? Open an NB bank account with Needham Bank. If you’re thinking I have already got an open-end credit, stop. Stop thinking immediately, because you don’t have one like this. regardless of where you travel within the world, NB Checking has you covered with global ATM fee reimbursement. meaning every ATM, whether you’re in your town or halfway around the world, every ATM is your ATM. I buy frustrated thinking of all the cash I’ve wasted in silly ATM fees over the years. On this 5 excursion alone, we saved an $18.25 in ATM fees. And, that doesn’t include the hidden fees your bank will come along and charge you after you're taking the cash out. Not Needham Bank. With this card, I’m forever taking over the planet, ATM fee-free.

Other amazing benefits to the present card are that there’s no minimum account balance required, no monthly fees and you'll earn interest on your balance. you'll even earn rewards on your purchases. Yes, you'll make money too. this is often the grail of travel cards. The Needham Bank mobile app can keep you on top of your finances on the go and each account comes together with your banker.

In addition to getting your cash free from the ATM, NB Debit Cards are powered by MasterCard and may be used anywhere MasterCard is accepted. So, that’s just about everywhere. you furthermore may get MasterCard’s Zero Liability Protection which protects you against unauthorized or fraudulent transactions whether at the ATM, a store or anywhere else.

Lancaster Farmers Market

Plus, having cash available with you when you’re traveling may be a must. While most businesses take credit, sometimes you encounter places that only accept cash. It can happen more often than you realize. On our recent road trip, we found many cash-only vendors in Lancaster’s famous Central Market. Having cash also can make tipping, paying for tolls and buying small-dollar items like snacks or coffee easier. It also can get you a far better price when shopping at places like flea markets or when negotiating with vendors at fairs and festivals. Cash is simply more appealing to a business owner. At the top of the day, it shouldn’t cost you to access your own money. And with the NB Checking, it never does.

4. Get Your Car Serviced Professionally And Check Your Tires

Even when you’re not traveling on a road trip, car trouble is often total drag. It’s one thing when you’re on the brink of home and have people or service stations that you simply know you'll trust. It’s an entire another can of worms when you’re many miles from home and possibly within the middle of nowhere. Yikes. While car troubles can’t always be 100% prevented, a visit to your local station can confirm your wheels are running smoothly, and more importantly, safely. They’ll confirm your oil and other fluids are topped off and your tires also are properly inflated, which may improve mileage. This can be an honest time to urge car care if your car is due, or near due. I always find my car runs better just after fresh car care anyway. And last, but never least is to form sure you check your tires. They’re the one thing grounding your car to the road. If your tire is worn, which will be an accident waiting to happen which, could potentially not only ruin your trip but cost you thousands in repairs, increased insurance premiums and at the worst, hospital bills.

5. confirm you've got some sort of Road-Side Assistance

Even if you are doing everything right, sometimes car trouble is inevitable. ask your insurance carrier to form sure you’re covered within the event you grind to a halt on the side of the road. If not, price it out and check to ascertain if an auto club like AAA may be a better deal, which also gives members access to some nice travel discounts at hotels, events, zoos, theme-parks and more additionally to discounted assistance on the road.

6. Plan Your Lodging before Time Whenever Possible

After you’ve set your budget and planned your trip, now’s the time to book your hotels and motels. Since life on the road is often unpredictable, choose hotels with a versatile cancellation policy so you’re not out a night’s stay within the event of obstacles like car troubles, inclemency, illness or other unforeseen events. Maybe nothing bad happened in the least and you only love where you're and need to remain a touch longer?

But, simply because you would like somewhere to remain the eleventh hour, doesn’t mean you’ll necessarily spend more. to save lots of money on accommodations, visit websites and download the apps of travel sites like Trivago, Hotels.com, Kayak, Priceline, or Orbitz to seek out eleventh-hour deals. If you favor more homey digs check bb-online for specials on B&Bs and inns. If the hotel you’re staying with maybe a chain or a part of a bigger brand, see if they need a gift membership program that will assist you to earn rewards towards free stays within the future. Often you'll economize on room rates only for joining online.

7. refill For Less! Use control and obtain A Gas App

While a part of the fun of taking a road trip is often deciding to require an unexpected detour, you'll economize on unavoidable road trip expenses like gas and tolls. We already discussed you'll start by planning out your route before you hit the road. But, for when you’re already on the road make certain to download an app like GasBuddy onto your smartphone which will assist you to get the simplest price on gas regardless of where you're. you only enter your postcode, address or give the app permission to work out your location, and it'll offer you an inventory of the most cost-effective gas prices nearby. Ever get gas at one station, only to drive another mile or two down the road and see you'll have filled up for 10 or 20 cents less? That always gets me. GasBuddy takes the guesswork out filling up your car on a budget. It also, like Google Maps can assist you to calculate your road trip’s toll and gas costs, so you'll plan and budget properly.

8. to save lots of Even More $ On The Road: Eat Strategically

While eating and drinking well is often one of the simplest parts of travel, it also can be a complete drain on your budget. Traveling as a few, we could easily spend a minimum of $120 each day eating call at restaurants on the road. For us that sometimes includes lunch, dinner and native treats or a drink along the way. And if you’re traveling to an upscale city like San Francisco or NY, $120 might be spent during a flash. But there are some ways you'll still happily chow down on the road and save dough while you’re at it.

9. Travel With A Cooler Bag

No road trip should ever be traveled without a cooler bag. Packing a number of your food, snacks, and drinks will keep you from having to spend extra cash on overpriced drinks and snacks at gas stations and convenience stores. nutriment can get expensive too. By packing more of your food, you'll also stick with healthier options like protein bars, bananas, spread, cheese and apples which will keep you satiated on the road, while saving you money.

10. Prioritize Your Meals

Do you live for an excellent breakfast or would you rather skip it and put the cash towards a good better dinner? I usually skip eating breakfast out and instead will eat a banana or protein bar, and just grab a coffee tide me over. albeit you can’t live without a hot breakfast, then you'll still economize. Many hotels offer a complimentary breakfast together with your stay. For a family of 4, 5 mornings of free breakfast can prevent some serious bucks. And don’t forget to grab an additional banana or two at that complimentary breakfast bar. they create great snacks for when hunger pangs hit you while you’re within the car exploring for the day, or back at the hotel preparing for dinner.

11. Check Local Restaurant Websites For hour Deals And Specials

To save money eating out later within the day, don’t forget that a lot of restaurants offer daily specials and/or a cheerful hour menu with food also as drinks. If you've got restaurants or eateries on your must-do list, make certain to see their website or Facebook page for hour specials and rules. If you don’t see one listed, try giving the restaurant a call. Not every restaurant is great about marketing their offerings.

Also, the hour is not any longer only 5 pm to 7 pm, and not all restaurants require you to sit at the bar. Some happy hours can start as early as 3 pm and a few can end as late as 8 pm. So if you didn’t plan, just Google something like “3 pm happy hours near me” to seek out an inventory of local restaurants for you to settle on from. One gathering room we visited in Gettysburg offered three free tastings to each customer. How does one like that?

[kathleenpo]

Not Scared

My life is not nearly as dramatic as it sounds in these essays. It's a lot of work making this stuff seem exciting, I hope whoever reads this can appreciate that.

I was looking forward to a long holiday weekend of absolutely nothing. Really, nothing was going to happen. I would have supper with my family on Thursday, come home for a nice bath, and that was it. No plans. No responsibilities. Zero drama. Maybe a little closet cleaning to get the blood moving, that's it.

Thanksgiving started out great. All the food I needed to bring was ready, my hair was washed and looked normal, and the weather forecast promised a glorious day. I had a brand new North Face hoodie for the chill, with a light layer underneath for later in the day.

My son even showed up on time. I said 0900, he rolled in at 0908. He picked up the bag of food and put his hand out for the keys.

“You're driving my truck?”

“Yeah Mom. My rear end is about to take a dump.”

Cool, I thought as I grabbed a bottle of the Beaujolais. Designated driver means Mellow Mom.

He hit the key fob and opened the door. There was shit strewn all over the backseat.

“What the hell? When did you turn into such a pig, Mom?”

I’m not. There may be a stray straw wrapper in the door compartment, but I am usually really good about cleaning out the truck at the end of the day. I looked in the seat, and everything I saw came out of the console hatch. The insurance card. Two scent sticks. Some convex mirrors I bought and need to put on the side views. A box of Altoids.

I’m good about cleaning out the truck, but I’m bad about locking it. And someone had pawed through my stuff, looking for who knows what. Seems like they were disappointed at what old women keep in their 4 Runners, they didn’t even take the Bruce Springsteen CD. All the stuff was there, just moved around. Even the yoga mat still had the scarf tied around it.

This makes me sad, because I’ve never worried much about locking up, and now I guess I have to. Garrett came by yesterday morning with a copy of the key to the porch door, and reminded me that I need to lock up the house whenever I go out.

OK, I will, just because you asked me to. I know you will come by at random times to check and then yell at me if I don’t. But I don't like it, either one, the yelling or the locking.

I had that key in the pocket of my new North Face hoodie this morning when I had the Great Bike Wreck. It didn’t even fall out when I crashed.

But by the time I got home, my elbow sure hurt. And my hand was kind of feeling tingly and numb. And my legs were shaking, my butt was starting to get sore, and the place where I hit my head…well, I decided to do the grownup thing and go to Doc in the Box. Just to make sure I hadn’t really hurt the elbow, my bones are kind of old.

I hate going to the doctor, so I was feeling proud of myself sitting there filling out the papers on the clipboard, being an adult and all. And there was no one else in chairs, so I figured I could get checked out and be home in maybe an hour.

Then a man came in with a lady in a wheelchair. He was confused and upset. She was drooling and leaning to the left.

Stroke. That was the first thing that popped into my head. He should be at the ER, not here.

The receptionist didn’t think so; she thought she needed to get him to work on the clipboard papers and give her the insurance cards. She went to make copies and he went to fill out forms.

His wife just sat there drooling.

Of course I butted in. Have you met me?

I’ll bet he wasn’t planning to start out his day at the Minor Emergency Clinic, and he sure wasn’t expecting a woman with a bloody North Face hoodie to come up and ask him if he needed any help. But still, he seemed happy to talk. So I asked him questions. Lots of questions. Like how was his wife last night, had she talked to him this morning…and his answers painted a very clear picture. She had been making him scrambled eggs and she dropped the spatula, sat down at the table and drooled.

What about the wheelchair? He said it was in the corner from when he had broken his hip.

OK. All I need to know. What I should have done was told him to follow me and ran that chair back out the door and fifty feet across the parking lot to the ER, but I was being an adult, so I reached over the counter and pushed the red button that opens the doors to the back of the clinic and found a clerk sitting at a computer terminal charting.

I told him what to do. He ignored me and called 911.

An ambulance came (from the porte cochere at ER) and loaded them up. Before they made the left turn across traffic to get to the clinic, I got the number of their son, called him and told him to get to the hospital. He was there before the gurney was in the bus.

That’s it. I don’t know how she is, I don’t even know their names, but dammit, even clerks should get some basic triage training if they are going to work in medical offices. I guess it’s a liability thing. Or maybe a stupidity thing.

I really hope the helicopter I heard taking off a little while later wasn’t her.

Eventually the excitement died down, and the doctor came in to see me. He had to help me take off the hoodie, and the thermal under it, so he could look at my elbow. He was embarrassed because all I had on was the hoodie and the thermal, and he offered a paper sheet to cover the rest of me, but I don’t really care about that. You're supposed to be looking at my elbow. It was bleeding again from taking off the thermal, and my fingers were a little puffy. Time for X Rays.

They have a little portable unit that rolls into the room, and the images are digital now, so I have no idea why they made me wait so long after the cart rolled away. But eventually he came back in and found me sitting at the counter looking at the pictures on the desk monitor. No breaks, just a big contusion and maybe a slight sprain.

I had my shirt back on, so he relaxed a little and asked me what happened. I told him, and I was still pretty amped from the lady who needed tPA STAT, so I gave him the story in great detail, with hand motions for emphasis.

He said he’d seen me riding my bike around town before, but didn’t even know Seguin had a bike trail. I told him not to bother looking for it.

Then he asked me how I knew about strokes, and I told him I just did, I know a lot of shit, you’d be surprised.

He laughed and said I told great stories, I should write a blog.

That’s the second person this week that’s told me that, making a grand total of four people so far. I don’t know this guy, and he doesn’t know me, so I told him I have one started, sort of, and gave him the Tumblr account link.

So maybe he will be my first “like” or “follow” on that thing. Maybe I'll noodle around with the day's events and post that, I don't know yet.

The doctor prescribed the usual: Rest. Ice. Elevation. I asked him about the C, could it be cocktails?  He said not until after four in the afternoon. Go home and take some Advil, maybe have a nap. He cleaned up the blood and put a big Band Aid on my elbow.

I was an adult and followed the doctor’s orders.  I went to the grocery store and almost bought myself flowers, but I got a paperback instead. Another surrogate boyfriend; Dr. Alex Delaware, the murder solving psychologist. He’s not as cool as Virgil Flowers, but then, few men are. I read for a little while and took a nap, with the ice pack on my elbow. I only had two glasses of wine with my leftover turkey sandwich. In a minute I'll go take a bath with some Epsom salts and probably fall asleep reading.

But tomorrow, all bets are off.

I’m riding that bike again. Not on the Trail to Hell, somewhere else, but I’m riding it. And I’m going to get a better bike, one that will go faster and not be so hard to control. I’m going to do that really soon, but tomorrow I’m going to ride that same bike. I’m not scared, maybe clumsy, but not scared.

And then, I’m going to get in my truck and go drive across the creek at the place where I floated a perfectly good Cadillac once.

It hasn’t rained for a while, and now I have a high clearance vehicle. So I’m just going to do it, then I can mark it off the list. I’ll go say hi to my Uncle Nelson if he’s home and maybe he will want to go have breakfast.

Because, you know what?

If I ever end up in a wheelchair with someone not knowing what to do when I’m having a stroke, I want to know I wasn’t afraid to live while I had the chance. 

That's the shitty thing about strokes, you're still in there, but you're stuck.

I don't want to go to Doc in the Box. Just let the chair roll off the rocks, the ocean will take care of me.

I'm not scared.

[junker-town]

7 players who could be the difference in the World Series

Getty Images

There are plenty of stars in the 2019 World Series, with Cy Young-laden pitching staffs, a former AL MVP plus two MVP-candidate third basemen this season. But they aren’t alone!

Here are seven impact Washington Nationals and Houston Astros who will enhance your Fall Classic viewing.

Getty Images

Yordan Alvarez

Coming into the postseason, it would have been difficult to envision a scenario where Yordan Alvarez would be considered a liability — he did nothing but mash baseballs over his first 87 games as a big leaguer. If baseball really was just a silly spreadsheet game where the best algorithm always won, then the Astros would have no qualms with sticking with a guy who hit .313/.412/.655 with 27 homers over just over half-a-season’s worth of work.

However, baseball is a game with a bunch of flawed humans and it almost never goes exactly according to plan. Instead of seeing the 22-year-old slugger continue to hit baseballs hard and often, we’ve seen him languish through a bleak postseason at the plate. Alvarez is only hitting .171/.227/.244 with an astronomical strikeout rate of 43.2 percent over 44 playoff plate appearances. He’s scuffling right now and it’s a testament to just how deep Houston is that they’ve reached this far.

A.J. Hinch isn’t giving up on him for the World Series, though. Alvarez will be starting for the first two games but there’s a question of whether or not he’ll get the start once the series shifts into the NL ballpark. A big breakout night at the plate before the series moves to Washington would make that decision an easy one for Hinch and it would also be a sign that things are going great for the Astros. They’ve already had consistent production at the plate throughout this postseason and if Yordan Alvarez can come alive, that would be huge for Houston’s chances of winning a second World Series in three years.

— Demetrius Bell

Michael Brantley

It’s just nice to have Michael Brantley fully healthy for the postseason, after several star-crossed years in Cleveland.

The talented outfielder finished third in AL MVP voting in 2014, then followed that up with another productive season in 2015. But when the Indians made their World Series run in 2016, Brantley was limited to just 11 games all season because of a shoulder injury — one that required surgery the offseason prior — and he missed the playoffs.

In 2017 he made the all-star team again in a wonderful comeback year, but then he missed 50 games with an ankle injury. He was rushed back to play in the postseason after playing just the final two games of the regular season, then was just 1-for-11 in Cleveland’s ALDS loss. He had ankle surgery after the season.

This year Brantley signed with the Astros, adding depth to an already formidable lineup. He was an all-star for a third straight year after a typically solid Brantley season, hitting .311/.372/.503 with 40 doubles and 22 home runs while providing above average defense in left field.

He made a crucial defensive play in Game 6 of the ALCS, following up a sprawling catch in left field with a strong, accurate throw to first base for a rally-killing double play.

Have a feeling we are going to be watching this for a while. pic.twitter.com/voWjyNaKfv

— MLB (@MLB) October 20, 2019

Brantley has started all 11 postseason games for Houston this year. He has been relatively quiet offensively, though he homered in the ALDS and hit .304 (7 for 23) in the ALCS. Brantley has also been very selective at the plate, seeing more pitches than anyone else this postseason, averaging 4.30 per plate appearance.

— Eric Stephen

Sean Doolittle

Washington’s bullpen was mostly bad during the regular season, ranking 29th in relief ERA (5.68), ahead of only the execrable 108-loss Orioles. Sean Doolittle was a bright spot though, and shortly after the all-star break stood out with his 2.72 ERA. He allowed only three home runs in his first 44 appearances, but then went through a rough patch, surrendering seven home runs in his next 10 games, more than he allowed in any of his seven previous major league seasons.

That landed Doolittle on the injured list with right knee tendinitis, and after a two-week rest he was refreshed. He allowed all of two runs in eight innings in September, and has allowed two runs in his 7 playoff innings, giving him a 2.35 ERA since his return with 13 strikeouts and two walks. That’s much more in line with his career numbers entering 2019: a 2.83 ERA and 2.40 FIP, the latter ranking ninth among major league relievers.

Daniel Hudson has emerged as the Nationals closer this postseason, but Doolittle saved Game 1 of the NLCS when Hudson was on paternity leave and also got the final three outs to close out the NLDS against the Dodgers. Those two have been the most reliable relievers in the Nationals bullpen, with Doolittle looking a lot like his former self these last two months.

As a bonus, the better the Nationals do, the more likely we are to see Doolittle bust out his lightsaber.

The force is strong with Obi-Sean Kenobi. pic.twitter.com/2vsqvcUjoD

— MLB (@MLB) October 17, 2019

— Eric Stephen

Zack Greinke

Zack Greinke has made the postseason in six seasons on four different teams, but this will be his first World Series appearance. And if the Astros are going to succeed, they’re going to need Greinke to pitch more like he does in the regular season than he has in the playoffs.

In 14 postseason starts, Greinke is 3-6 with a 4.44 ERA. Compare that to his career .625 winning percentage and 3.35 ERA and it seems a bit peculiar. It gets a lot more bleak if you remove his postseason appearances with the Dodgers, where he was quite good. In his eight non-Dodgers playoff starts he’s got one win, an ERA of 6.64, and he averages about 11 H/2.5 HR/3.43 BB/ 7.78 SO per nine innings pitched. All of which is starkly worse than his career numbers.

In this postseason alone, he’s allowed 15 hits, five home runs and five walks in 14 innings. He’s also struck out 16, which shows an almost uncanny ability he has to average almost exactly as many hits as he does strike outs.

But, and I feel like this needs to be emphasized, he is actually a very good pitcher in the regular season. I’m not the type of person who believes in “clutch” or “choking” — I feel like those terms imply that a player can control exactly how well they play in the moment and I think that outside of conditioning and practice, that’s just not the case. Especially for pitchers. You can be in excellent shape and be a perennial Cy Young candidate and sometimes, you’re just not going to have control of your pitches.

That said, he was very good in his appearances with the Dodgers in the postseason, so it’s not necessarily a hopeless case. And if he can limit the contact while keeping up the strikeout numbers, he will be a very important factor to Houston’s success in this series.

— Sami Higgins

Getty Images

Yuli Gurriel

So far this season the Astros first baseman is hitting just .209/.239/.302, and in the ALCS he was just 3-for-24 (.125). But look a little closer, and you’ll see Gurriel has been tattooing the ball. Nine of his 20 balls in play against the Yankees were hit 95 mph or harder.

Gurriel hit into outs on balls that, according to Statcast based on how hard and where they were hit, had expected batting averages of .820, .720, .620, .620, .550, .430, .420, and .410. He was robbed by Gio Urshela in Game 2, by Aaron Hicks in Game 3 and Game 4, then by Aaron Judge in Game 5, to name a few.

In the Game 6 clincher, Gurriel finally broke through with a three-run home run in the first inning, followed by a 101-mph single in the eighth. Factor that in with the fact that Gurriel has yet to strike out this postseason in 46 plate appearances, and he sure seems like somebody ready to bust out in a big way.

— Eric Stephen

Howie Kendrick

Howie Kendrick is coming off of an absolute monster series in which he was named National League Division Series MVP at the age of 35. Including him on this list might be a bit obvious, but the Nationals are going to need him to carry that performance into the World series in order to stand a chance against the Monstars Astros.

Washington is the underdog in this matchup, but if players like Kendrick can continue to get on base with regularity, they have proven that they can capitalize on those opportunities, even against top-tier pitching.

It was Kendrick’s grand slam against the Dodgers that sent the Nationals to the championship series, seemingly against all odds, and his MVP performance that helped them sweep the Cardinals. So it seems almost expected that he will make a big contribution to this series to cap off one of the best seasons of his lengthy career.

— Sami Higgins

Anibal Sanchez

With all the talk surrounding the three-headed monster of Max Scherzer, Stephen Strasburg and Patrick Corbin, you have to remember that another pitcher who has come up huge for the Nationals has been Anibal Sanchez. It’s a testament to how strong those three have been throughout the playoffs that a guy who had everybody on “No-Hitter Alert” during the NLCS isn’t a lock to get a start in the World Series.

However, if the Nationals do turn to Sanchez then they can at least be confident that he’ll keep up the same level of pitching that the Nats and their fans have become used to during this postseason. Also, he’s got World Series experience under his belt — he went seven innings in Game 3 of the 2012 Fall Classic and only gave up two runs while striking out eight batters. The Detroit Tigers happened to lose that game to the San Francisco Giants, but it’s hard for a pitcher to lead his team to victory when said team scores a grand total of zero runs.

This is always the time of year where unsung heroes become the legends that you talk about in the future — even if it’s in the vein of “Hey, do you remember this guy?” If Anibal Sanchez is called upon again, maybe he’ll deliver a start that puts him in that particular territory.

— Demetrius Bell

[infiniteundo]

108 Counterintuitive Things QA People Know About The Field Of Software Testing

Counterintuitive things about testing #1: in general a series of positive integers might start counting from 0 or from 1 there is no way to know up front.

Counterintuitive things about testing #2: tight coupling is good.

Counterintuitive things about testing #3: it's good when something is known to be broken.

Counterintuitive things about testing #4: there is almost no opportunity to learn from success. Ever.

Counterintuitive things about testing #5: when you build an MVP it starts out broken not with minimal working functionality.

Counterintuitive things about testing #6: service-oriented-architecture would be the worst thing you could possibly do.

Counterintuitive things about testing #7: there are almost no hard technical problems in the field that are worth solving.

Counterintuitive things about testing #8: by spending 50% of your time NOT writing prod code (but tests instead) you can INCREASE your velocity.

Counterintuitive things about testing #9: “slow is smooth, smooth is fast.” -- Navy SEAL aphorism

Counterintuitive things about testing #10: at a certain level, gathering details and investigating “root cause” becomes detrimental.

Counterintuitive things about testing #11: you can never find all the bugs.

Counterintuitive things about testing #12: there will always be outages and P1 bugs in production no matter how you “manage quality”.

Counterintuitive things about testing #13: so many, many tools or practices are “each necessary but only jointly sufficient” when paired with many, many other tools and practices.

Counterintuitive things about testing #14: catching a bug in production is not intrinsically “worse” than catching it in a QA environment.

Counterintuitive things about testing #15: the same bug almost never “reoccurs” so most “regression testing” is pure waste.

Counterintuitive things about testing #16: planning only gets you so far because the worst incident is the one you can't plan for.

Counterintuitive things about testing #17: different software methodologies all pretty much use the exact same approach to testing.

Counterintuitive things about testing #18: “agile” has almost nothing to do with testing software.

Counterintuitive things about testing #19: most allegedly-intractable problems can be solved by the “extract parameter” refactoring.

Counterintuitive things about testing #20: “black box” is a political designation and has no technical meaning.

Counterintuitive things about testing #21: writing tests for your own code is a design activity not a coding activity.

Counterintuitive things about testing #22: “past performance is no guarantee of future success” thus nearly all regression testing waste.

Counterintuitive things about testing #23: there are well-defined infinite classes of bugs that can not be caught except in production.

Counterintuitive things about testing #24: class Breaks are hugely valuable, Instance Breaks are almost entirely useless.

Counterintuitive things about testing #25: “carefulness” and “caution” are not relevant when thinking about how to reduce the incidence or impact of production incidents!

Counterintuitive things about testing #26: studious attention to boring details is the core competency of the field.

Counterintuitive things about testing #27: “flaky tests” indicate a problem in the AU and almost never in the tests that appear flaky.

Counterintuitive things about testing #28: no matter how fragile you think your GUI tests are, they're way more fragile than that.

Counterintuitive things about testing #29: GUI tests “breaking” when the UI changes is a good thing.

Counterintuitive things about testing #30: if your unit tests don't break on trivial code changes you are doing it wrong.

Counterintuitive things about testing #31: on a Web site with 1 million visits per week,a one-in-a-million event can occur once a week.

Counterintuitive things about testing #32: predicting the future is impossible, even if you have data.

Counterintuitive things about testing #33: it's normal for people become enraged when you tell them you can't predict the future.

Counterintuitive things about testing #34: you have to screen employers to make sure they don't think they're hiring a psychic.

Counterintuitive things about testing #35: hindsight is dangerous and should not be used.

Counterintuitive things about testing #36: careful planning and deep risk analysis are the enemies of effective testing.

Counterintuitive things about testing #37: there are not a multitude of different ways that all result in good testing. Testing is HARD.

Counterintuitive things about testing #38: you can punt on the Halting Problem in production but in test it's a hard constraint.

Counterintuitive things about testing #39: computer science has barely anything to say about software testing in practice nor in theory.

Counterintuitive things about testing #40: some of the most common problems in testing do not have solutions.

Counterintuitive things about testing #41: “don't build a platform and don't solve the general case” – Tom Igoe.

Counterintuitive things about testing #42: reusable code is a liability to the point it's better to avoid it if you can.

Counterintuitive things about testing #43: no one tests their backups, even people who think they test their backups.

Counterintuitive things about testing #44: there is ZERO correlation between “being careful” and fewer bugs in production.

Counterintuitive things about testing #45: slowing releases down to allow more time for QA generally makes production MORE buggy not less.

Counterintuitive things about testing #46: “zero bugs in production” is not a goal it is an admission of total ignorance about Safety-II.

Counterintuitive things about testing #47: most of the original work in test was finished by the 1980s. It is not a rapidly evolving field.

Counterintuitive things about testing #48: writing tests for bugs that are fixed does NOT correlate with catching new bugs when they arise.

Counterintuitive things about testing #49: there's no correlation between the number of tests performed per release and the number of bugs that will subsequently be found in production.

Counterintuitive things about testing #50: it is absolutely impossible to build a granularly accurate copy of your production system(s).

Counterintuitive things about testing #51: granular and/or comprehensive documentation of a nontrivial Web site is demonstrably impossible.

Counterintuitive things about testing #52: people say things like “this problem has no solution” and expect to be taken seriously.

Counterintuitive things about testing #53: there is no such thing as a simple GUI.

Counterintuitive things about testing #54: you may know how to test MVC architecture but almost no one builds MVC architecture.

Counterintuitive things about testing #55: one more layer of abstraction is hardly ever the solution to one of your problems.

Counterintuitive things about testing #56: a lot of the time you find yourself solving the problem of one too MANY layers of abstraction.

Counterintuitive things about testing #57: under every reliable unit test there is a finite state machine architecture.

Counterintuitive things about testing #58: if you can't draw the underlying state machine good luck implementing the test (automated OR manual).

Counterintuitive things about testing #59: if your plan is too grand to fit on a single sheet of A5 paper, good luck implementing that test.

Counterintuitive things about testing #60: random numbers have no place here. Keep your PRNG in your pants at all times.

Counterintuitive things about testing #61: a test you cannot trust is worse than useless BUT production code you can't trust may makes you rich.

Counterintuitive things about testing #62: exceptions are the only interesting thing happening, unlike prod where there's lots to think about.

Counterintuitive things about testing #63: it's surprisingly hard to interpret a stack trace when you are under pressure.

Counterintuitive things about testing #64: static analysis is more valuable than testing and should be implemented first.

Counterintuitive things about testing #65: sufficiently advanced fixing-it-in-production is indistinguishable from not-breaking-it-at-all.

Counterintuitive things about testing #66: if no one ever finds out about the bug then the bug never existed in the first place.

Counterintuitive things about testing #67: the more changes you make to production the safer you are overall regardless of test coverage.

Counterintuitive things about testing #68: there are many kinds of test coverage metrics and none of them have any intrinsic significance. NONE.

Counterintuitive things about testing #69: there are a lot of phenomena in test that we know exist but have not learned to measure yet.

Counterintuitive things about testing #70: sometimes sleep() is your best and only option.

Counterintuitive things about testing #71: every testing framework is a pile of hacks with nothing at the bottom of the pile /ht @undees.

Counterintuitive things about testing #72: @ronjeffries was right: creating “nothing” takes more effort than you would think.

Counterintuitive things about testing #73: for any complex system, you cannot ‘reset' it to a previous state. This can be shown mathematically.

Counterintuitive things about testing #74: the full state of a Web site at any given time is demonstrably not knowable.

Counterintuitive things about testing #75: the worst problems in software have nothing to do with code or with frameworks or with methodologies.

Counterintuitive things about testing #76: given the right conditions, all software methodologies work equally well.

Counterintuitive things about testing #77: the part(s) of the Web that is “a little bit broken” are more than a little bit broken.

Counterintuitive things about testing #78: it does not make any logical sense to assert against the activity of any given stream of packets.

Counterintuitive things about testing #79: there is no intrinsically significant relationship between SCM history and “last known good state”.

Counterintuitive things about testing #80: it's faster to rewrite untested code (this time with tests) than it is to retrofit tests to it.

Counterintuitive things about testing #81: quality takes time and is expensive no matter how lean / agile you are in other areas.

Counterintuitive things about testing #82: just because a test was useful in the past doesn't mean it's still useful now.

Counterintuitive things about testing #83: bugs cluster at the interfaces, bugs are not distributed randomly.

Counterintuitive things about testing #84: there's more time grains in 1 year of compute time than there are seconds in the age of the universe.

Counterintuitive things about testing #85: no computer can effectively test another computer in any general way.

Counterintuitive things about testing #86: automated fault detection is only possible in very limited cases, it does not generalize.

Counterintuitive things about testing #87: translating a manual test into an automated test is generally not a good idea.

Counterintuitive things about testing #88: even if you could provide up-to-date documentation (you can't) no one would read it.

Counterintuitive things about testing #89: you can always release mostly-working code without writing any tests for it.

Counterintuitive things about testing #90: most managers are terrified that “too much testing” will fuck up their release velocity.

Counterintuitive things about testing #91: testing is generally seen as easier than “regular programming” even though the opposite is true.

Counterintuitive things about testing #92: it's a rare team that can listen to criticism of their codebase without taking it personally.

Counterintuitive things about testing #93: more testing doesn't correlate with better quality, less testing doesn't correlate with worse quality.

Counterintuitive things about testing #94: you can ignore all the rules about code quality and still ship high quality code. It is possible.

Counterintuitive things about testing #95: “high quality software” cannot be directly quantified in any meaningful way.

Counterintuitive things about testing #96: if you don't know how a test works it's not just useless it's immediately dangerous.

Counterintuitive things about testing #97: it is always possible to think of numerous potentially-useful test case that cannot be implemented.

Counterintuitive things about testing #98: abstractions leak. All of them leak. The fact that there is certainly an exception that proves the rule here only goes to show that abstractions leak without any exceptions.

Counterintuitive things about testing #99: errors are not distributed at all evenly in the codebase but cluster in predictable ways.

Counterintuitive things about testing #100: the more people have edited file the more likely it is there's a bug you haven't found in that file.

Counterintuitive things about testing #101: the more often a line is edited the more likely it is that line will contain an error.

Counterintuitive things about testing #102: the people who commit the most code tend to contribute to the most change related outages.

Counterintuitive things about testing #103: increased oversight is not a solution to the problem of non-optimal human behavior.

Counterintuitive things about testing #104: the only source of “production-like data” is actual production data.

Counterintuitive things about testing #105: there is no known way to generate test data that has all the same characteristics as prod data.

Counterintuitive things about testing #106: shared ownership of code leads directly to a tragedy of the commons no matter how “aligned” the team is in other areas.

Counterintuitive things about testing #107: “fully tested” is an entirely arbitrary designation.

Counterintuitive things about testing #108: deploying code and releasing a feature are semantically orthogonal, any coupling is purely incidental.

EDITED March 12 2017

When I originally published this list, it was as a tweetstorm, where every point was prefixed with the caveat that I was talking specifically about testing and NOT ABOUT SOFTWARE IN GENERAL. I was not talking in the general way that (as a software engineer) I would commonly discuss general software topics such as tech stacks and spherical horses.

I have amended the post so that each point looks as it did in the original tweetstorm. I believe this should clear up most if not all of the confusion here. Thank to those Redditors and those other Redditors plus all the other others, who pointed out the lack of clarity of the original post! That's what crowd-curated content is all about.

Post Script (as of March 13 2017 just after the witch's hour)

If I said I'd credit you personally for feedback, I will. I'm still churning through all the responses it's been amazing but I'm not nearly done. This edit represents the FIRST in a SERIES of corrections that came from the hive mind. Thanks for your patience! More edits are in the pipe!

[brajeshupadhyay]

Hundreds of thousands of workers face redundancy because insurance giants are refusing to pay out in a £1 billion ‘coronavirus cover con’. Tens of thousands of small and medium-sized businesses are at risk of bankruptcy because of the ‘disgraceful’ and ‘immoral’ attempt to wriggle out of releasing the vital funds. This is despite them having paid for business interruption insurance policies promising them financial protection against closure due to outbreaks of a contagious disease. Tens of thousands of small and medium-sized businesses are at risk of bankruptcy because of the ‘disgraceful’ and ‘immoral’ attempt to wriggle out of releasing the vital funds. (Stock image) Campaigners yesterday called for the Chancellor to intervene urgently, warning that firms face going bust every day because of the lack of cashflow to keep them afloat. Taxpayers are footing a huge part of the bill for the non-payments, which has forced companies to put more staff on furlough. And the cost to the public purse could skyrocket as more and more businesses face bankruptcy without the lifeline of the insurance payouts. Over the past decade some companies have paid more than £40,000 for the business interruption cover — which they chose because it was promoted as being wide-ranging — but are now not receiving a penny. Their premiums helped drive huge profits for the insurance firms and vast rewards for their bosses — with the chief executive of Lloyd’s of London underwriter Hiscox making more than £2.5 million in the past two years alone. Small-business owners say the refusal to pay their claims is an exceptionally ‘bitter betrayal’ because Hiscox boasts that it offers its clients ‘peace of mind, by providing advice, expertise, a safety net or simply an arm around them when they need it most’. Its stated company values also include ‘integrity’ and ‘doing the right thing, however hard’ and, just six months ago, CEO Bronek Masojada insisted: ‘Paying claims is what we are here for.’ Theresa May’s hairdressers facing disaster  A family hairdressing business that has operated for more than 50 years faces bankruptcy if it does not receive its insurance payout. Three generations of the Giamattei clan run the Marc Antoni salon chain that now employs 60 staff and boasts former PM Theresa May as a customer. The company has been paying premiums to Hiscox via a broker for about a decade on each of their branches in Fleet, Henley on Thames, Woodley, Wokingham, Caversham and Bracknell. Three generations of the Giamattei clan run the Marc Antoni salon chain that now employs 60 staff and boasts former PM Theresa May as a customer Last year the total bill was £4,304, which included cover for closure caused by ‘an occurrence of notifiable human disease’.  But despite weeks of inquiries, they were told on April 17 that their claim had been rejected by the insurer, leaving them with a battle for survival. Director Julie Giamattei has had to take out a £300,000 loan to cover the rent costs of all of her salons, but with huge overheads it will still be a struggle to continue the business without the £500,000 payout they believe is due from the insurer. ‘It’s been awful, an absolute nightmare,’ she says. ‘We haven’t stopped. There have been many sleepless nights for the whole family. ‘The directors, all family, have put our houses up as personal guarantees on long leases and loans, and we could potentially lose our homes.’ They were told by their broker that the claim had been rejected because they closed the salons on the Saturday, two days before Boris Johnson announced the lockdown.  Julie says: ‘We were trying to be responsible and stop the spread, like most other businesses were doing. ‘You can’t get any closer contact than being a hair stylist — but this is how they punish us for doing the right thing.’ The company was started by her father-in-law Bruno Giamattei in 1966. His four sons and their children also work in the salons.  Julie adds: ‘We will keep fighting this battle for our staff and for all our wonderful customers.’ FTSE 100 giant RSA and Australia’s QBE are among several other firms under fire. Most business interruption policies only cover common hazards that can put a firm out of action, such as fire and flooding. But some specifically promise to cover disruption caused by infectious diseases. Despite this, insurance companies are rejecting claims, in some cases arguing that Covid-19 is not covered because it is a new disease, or that the impact of the Government lockdown is not included in the policy. Simon Ager, whose Northampton-based Pinnacle Climbing and Caving Centre faces huge challenges without the expected £100,000 insurance payout, has organised Hiscox Action Group which now has 500 members, most of whom have unpaid cover worth the same amount. ‘Our insurer’s trying to wriggle out of paying’  The boss of a family-run IT firm warned that taxpayers would end up footing the bill for his insurers refusal to pay out. James Gulliver, managing director of family-run Netmatters in Wymondham, Norfolk, has been forced to furlough more of the 70 staff because of Hiscox’s ‘immoral’ decision to refuse to pay the £100,000 he says they are due. He started the company with his brother Chris 12 years ago and has been paying Hiscox for business interruption and building insurance cover.  James Gulliver (right) started Netmatters with his brother Chris (left) 12 years ago and has been paying Hiscox for business interruption and building insurance cover He says: ‘We built up the business gradually and have always been very risk-adverse, taking out insurance to cover us if the worst did happen. ‘Now I just think, why did we bother?’ He said coronavirus is without question the worst thing his business has had to deal with. He adds: ‘It’s terrifying what has happened. But everyone else — customers, staff, suppliers and the Government — has tried to do their best in these troubled times. ‘Our insurer is the only bad guy, trying to wriggle out of any liability. ‘It’s really not what you expect from a supposedly reputable insurer. ‘Our No 1 goal is to keep all our staff in jobs, and we have got a plan in place to do this, but this has meant we had to furlough more staff at more expense to the taxpayer. ‘The whole country is paying for this failure by the insurance company to pay up, not just the businesses directly impacted.’ The company’s policy stated Hiscox would pay out if the company was unable to use its premises due to outbreak of ‘any human infectious or human contagious disease’ of which the local authority had been notified.  But when they requested the payout they were told that this cover would only apply when there was an incident within a one-mile radius of the insured premises which led to official measures that prevented entry. The insurer said an example would be where the police cordon off the area surrounding a riot or a hotel is evacuated by the police following a nearby gas leak or fire. ‘The multitude of wide-ranging measures the Government is taking to contain the coronavirus pandemic are very different in nature,’ a spokesman explains. James says: ‘This makes no sense. It’s there in black and white that we would be covered, but they are trying to say ‘we didn’t really mean that’. ‘It’s morally wrong. A lot of firms will probably go out of business because this was their lifeline. ‘Many smaller companies could not survive without the hundred grand.’ The group is bringing a case against the insurer with law firm Mishcon de Reya. Mr Ager says tens of thousands of jobs are at risk among the companies in his group alone if the payouts do not start soon.  He adds: ‘It seems the only people Hiscox is interested in serving is their shareholders. Brokers promoted the Hiscox policy because it has a wide range of cover — that’s why we bought it. ‘If insurers don’t have to comply with basic contract law and can effectively change the policy when it suits, why should anyone ever buy insurance?’ The Financial Conduct Authority says it intends to present a judge with a sample of the most frequently used policy wordings from a range of different insurers which ‘are giving rise to uncertainty’. But Mr Ager says: ‘Court action could drag on for months and by the time they get this resolved thousands of small business might have gone bust. It doesn’t need a long court battle. Every lawyer we have shown this to has said we have a clear cut case.’ Simon Sloane, a lawyer with Fieldfisher who is acting on behalf of clients in dispute with Hiscox, RSA and QBE, says: ‘This insurance would have been in their premium. It was part of the deal, so the insurance companies should now pay up.  Climbing centre facing cliff edge  A climbing centre is facing a financial mountain to climb after being refused a ‘vital’ £100,000 insurance payment. Father-of-two Simon Ager says the Pinnacle Climbing Centre, which he runs with his wife Cee, currently has ‘zero income but lots of costs’ after being forced to shut during lockdown. Simon Ager says the Pinnacle Climbing Centre currently has ‘zero income but lots of costs’ after being forced to shut during lockdown He says: ‘It’s a small business but I’ve always tried to run it responsibly, which included buying good insurance to protect the company, our staff and the people we served.’ He thought the Northampton-based company, which has ten full-time staff and 25 freelancers, would be covered because he had a policy including financial losses for businesses unable to trade following ‘an occurrence of any human infectious or human contagious disease’. But despite Chancellor Rishi Sunak saying the Government’s initial recommendation for people not to visit leisure businesses was enough to satisfy insurance claims, Hiscox rejected the claim. Simon says: ‘The brokers promoted this policy because it has a wide range of cover.’ ‘But at the moment there is a blanket refusal by insurers because they always fight where they don’t want to set a precedent. Even if they agree in the end, many businesses will have gone under by then.’ Most companies with this form of business interruption insurance would be entitled to £100,000, meaning that for 10,000 businesses the total owed would be £1 billion.  A Hiscox spokesman says: ‘We understand these are incredibly difficult times for businesses and we are paying claims covered by the policies we issue fairly and quickly. ‘We don’t comment on individual claims but, as the Financial Conduct Authority has said, most UK small business policies across the industry do not cover pandemics. Along with the Association of British Insurers, we welcome the FCA’s recent initiative to accelerate resolution of disputes.’ The boss making a mint  Just six months ago he insisted: ‘Paying claims is what we are here for.’ Today, the multi-millionaire chief executive of one of the UK’s oldest and most respected insurance companies is accused of abandoning thousands of long-serving customers at the time they need him the most. In the past two years alone, Bronek Masojada has earned more than £2.5 million running the 119-year-old Lloyd’s-listed Hiscox. Oxford-educated Mr Masojada became chief executive of the company in 2000 and has overseen a remarkable success story.  Last year it had gross premiums worth £3.2 billion and enjoyed pre-tax profits of around £153 million over the past two years. It employs more than 3,300 people in 14 countries. The firm’s London offices are festooned in fine art, including a Damien Hirst skull by the boardroom and a Polly Morgan piece depicting a stuffed squirrel squeezed into a champagne glass. The company is officially based in the corporate tax haven of Bermuda. In the UK, South African-born Mr Masojada and his wife Jane live in a £1.5 million house in Woldingham, Surrey.  An FCA spokesman says: ‘Our legal action . . . is the quickest route to clarity and by covering multiple policies and insurers, it will also be of most use across the market.’  An Association of British Insurers spokesman says: ‘Unfortunately, no country in the world has an insurance market that is able to offer widespread pandemic cover.’ Policy wording versus reality: Hiscox Covers: ‘Your inability to use the insured premises due to restrictions imposed by a public authority during the period of insurance following… an occurrence of any human infectious or human contagious disease, an outbreak of which must be notified to the local authority.’ What it told claimants: ‘The restrictions the Government has imposed are part of its national response to reduce the impact of the coronavirus pandemic; they were not issued following or in response to ‘an occurrence’ at any specific location, placing them outside the scope of the policy.’ QBE Covers: ‘Any human infectious or human contagious disease . . . an outbreak of which the local authority has stipulated shall be notified to them . . . within a 25-mile radius’ [of the premises.] What it told claimants: Cover only provided ‘where loss is in consequence of the occurrence of Covid-19 at the relevant locations and not where losses are in consequence of . . . wide-scale government measures.’ RSA Covers: Loss as a result of closure or restrictions placed on the premises as a result of a notifiable human disease manifesting itself at the premises or within a radius of 25 miles. What it told claimants: Requires evidence of losses due to a specific local outbreak that led directly to closure or restrictions.  The policy does not cover losses arising from a general reduction in the number of bookings or increased cancellations as a result of the coronavirus pandemic. moneymail@dailymail.co.uk Some links in this article may be affiliate links. If you click on them we may earn a small commission. That helps us fund This Is Money, and keep it free to use. We do not write articles to promote products. We do not allow any commercial relationship to affect our editorial independence. The post Firms facing ruin as insurers deny pay outs in ‘coronavirus cover con’ appeared first on Sansaar Times.

http://sansaartimes.blogspot.com/2020/05/firms-facing-ruin-as-insurers-deny-pay.html

[samuelfields]

Three Things I Learned From My Estate Planning Lawyer Everyone Should Do

My estate planning lawyer said something interesting before I decided to hire her. “People who aren’t rich might need estate planning more than rich people because they might not be able to afford to pay probate fees in the case of an untimely death.”

Leave it to the US court system to make the distribution of your assets upon death, cumbersome and costly. Without a will or a Revocable Living Trust, beneficiaries will pay anywhere from 3% – 8% of the assets in fees in probate and could take potentially a year or longer for all assets to be properly distributed.

Probate fees include: personal representative fees, court fees, attorney’s fees, accounting fees, appraisal and business evaluation fees, bond fees, and other miscellaneous fees.

In comparison, settling a Revocable Living Trust on average “only” costs between 1% – 3% of assets. But in addition to a clear directive of where your assets are to go, another benefit of a Revocable Living Trust is privacy. As a Stealth Wealth practitioner, the last thing you want is everybody to see what you had and what you’re giving.

Think about the type of infighting that may happen amongst your beneficiaries if they deem your gifts unfair. Think about all the scrutiny your child might get if people find out she gets a large sum of money before adulthood. She just lost a parent or two for goodness sake. As a parent, the last thing you want is for your children to be judged by others.

Estate Planning Realizations

Once you have a child, creating a clear will and setting up a Revocable Living Trust is the responsible thing to do. Privacy, clarity, cost savings and succession planning are all important benefits.

Here are three other realizations that came out of my estate planning session all of you should probably follow. I already paid the lawyer thousands of dollars in fees, so you might as well take advantage.

1) You must forecast your death. Time is our greatest asset. This truth is no more apparent than when you’re talking to a lawyer about death. In my 20s and 30s, I thought that if I could live a healthy life until 60, I’d die a satisfied man. Leaving the workforce at age 34 was my way of maximizing the probability of living life with as little regret as possible. I kept thinking how horrible it would be to work at a job I no longer loved until 60 and then dying soon thereafter.

Now that I’m a father, I wish to prolong my mortality until at least 75. My new goal is to live long enough to see my 19-month-old son grow up to be a wonderful, independent man with a life partner. Leaving this world knowing someone loves him as much as his mother and I do will let us die in peace. As a result, my wife and I are taking more action to live healthier lives.

The average life expectancy for those born in 2018 in the United States is 76 for males and 81 for females. Although we are living longer, you’ll soon find out that life is not nearly as long as you want it to be. At my age, I’ll be damned if I waste a single day doing something I don’t absolutely don’t want to do.

2) You must forecast your wealth and estate tax laws. Time is also our greatest asset for creating wealth due to the power of compounding. You will be pleasantly surprised by how much you can accumulate over an extended period of time through diligent savings and reasonable returns. Once you’ve made your best assumptions on how much wealth you will have accumulated by the time you die, you must then forecast the lifetime gift tax exemption and the death tax rate at the time of your passing.

For example, in 2019 the lifetime gift tax exemption is $11,400,000. The top marginal tax rate remains at 40%. If you die in 2019 with $21,400,000 in wealth to pass on, your tax bill will be $4,000,000 ($21.4M – $11.4M = $10M X 40%).

On the other hand, if you die in 2030 with $20,000,000 when the lifetime gift tax exemption has declined to $5,000,000 and the death tax rate has risen to 50%, then your inheritor’s tax bill will be $7,500,000 ($20M – $5M = $15M X 50%). That is a shocking amount of taxes to pay on top of the taxes you already paid to accumulate such wealth.

Based on history, you can see from the chart that currently, we are at the highest estate tax exemption with the lowest death tax rate since 1997. It may be logical to assume a continued increase in the estate tax exemption and a continued decrease in the estate tax rate given the 22-year trend.

However, the doubling from 2017 to 2018 is an outlier. Therefore, it is also reasonable to anticipate an estate tax exemption decline and/or estate tax rate increase after the Tax Cut And Jobs Act expires in 2025.

3) You must give and spend more while living. In the scenario above where your inheritor must pay a $4,000,000 tax bill, unless your inheritors are already wealthy, they may be forced to sell some of your assets to pay for the tax liability. If part of your estate is your business that you want to continue long after you’re gone, then you may have some problems.

Would you rather pay a $4,000,000 tax bill to the government on assets you already paid taxes on or donate the same $4,000,000 to charity while you’re still alive and see how much good your gift will do?

Would you rather pay a $4,000,000 tax bill or spend more money on yourself and loved ones? If there is a high likelihood your estate will be worth more than the lifetime tax exemption amount, it seems obviously better to utilize your wealth while living, rather than after death.

Let’s say it takes 20 years to get to a $21,400,000 estate from $5,000,000 currently using $200,000 annual contributions and a 5% compound annual growth rate. In 20 years, the estate tax exemption is still $11,400,000 at a 40% death tax rate.

A better strategy would be to not save $200,000 a year, but spend $200,000 a year on charity and loved ones for the next 20 years. Without saving a single penny every year, you would still end up with $13,266,000 at a 5% compound annual growth rate. Therefore, your death tax would be a more reasonable $746,400.

One common strategy to utilize for estate tax liability is life insurance. You can even set up a life insurance revocable trust so it doesn’t count toward your estate exemption amount. If a large part of your estate includes a business you don’t want to sell to pay for estate taxes, then using life insurance or other liquid assets is a solution.

Estate Planning And Consumption Smoothing

People who have been saving and investing for so long often overestimate how much they’ll need to feel comfortable. I firmly believe the vast majority of financially savvy people will die with too much. This lack of financial clarity is the reason why everyone needs to do a better job at forecasting their wealth so they can consume it more smoothly while still alive.

If the estate tax exemption amount decreases or the death tax rate increases or both, then there’s even more reason to spend your money now while living. Unless you’re incredibly stingy, hoarding much more than the estate tax exemption limit upon death makes zero sense.

My estate planning lawyer really opened my eyes to how overly frugal I am. From driving an economical car for 13 years to downsizing our home in 2014, our expenses are where they were in our 20s. Yet, our income has grown. Based on our forecasts, there is a high likelihood that we will have to pay estate taxes at our current rate.

To figure out how much more we could spend today in order to avoid paying estate taxes, I simply logged onto Personal Capital and ran a Retirement Planning calculation after inputting some income and expense assumptions.

For illustrative purposes, the output shows that using a $1,225,000 investment portfolio, I have a 99% chance of reaching my planned monthly retirement spend of $12,500 starting at age 50. The portfolio has a projected spending ability of $18,416 a month based on its current asset allocation.

With almost a $6,000/month overage on how much I can spend starting at age 50 in retirement, I plan to up my spending by $1,500 a month starting next year, so long as the economy doesn’t go into a recession. If our wealth increases the following year, we’ll up our spending even more, but still maintain a comfortable buffer based on what the retirement planner spits out.

This additional spending budget may help us get over our reluctance to pay for private school tuition if our son doesn’t win the SF public school lottery. Just doing this estate planning exercise makes me feel much better about spending more money overall. I’m confident that once you run your numbers, you’ll be able to start spending more freely as well.

If you have dependents, please write out a will and/or create a revocable living trust. Not only will you better protect your loved ones, but you’ll also learn a lot more about yourself in the process.

For those of you who’ve gone through the estate planning process, what else did you learn about yourself and about estate planning laws? Why do people hoard so much more than the estate tax exemption amounts? Wouldn’t it be better to spend and give while alive than after death?

The post Three Things I Learned From My Estate Planning Lawyer Everyone Should Do appeared first on Financial Samurai.

from Finance https://www.financialsamurai.com/three-things-learned-from-my-estate-planning-lawyer-everybody-should-do/ via http://www.rssmix.com/

[jamesgeiiger]

Three Things I Learned From My Estate Planning Lawyer Everyone Should Do

My estate planning lawyer said something interesting before I decided to hire her. “People who aren’t rich might need estate planning more than rich people because they might not be able to afford to pay probate fees in the case of an untimely death.”

Leave it to the US court system to make the distribution of your assets upon death, cumbersome and costly. Without a will or a Revocable Living Trust, beneficiaries will pay anywhere from 3% – 8% of the assets in fees in probate and could take potentially a year or longer for all assets to be properly distributed.

Probate fees include: personal representative fees, court fees, attorney’s fees, accounting fees, appraisal and business evaluation fees, bond fees, and other miscellaneous fees.

In comparison, settling a Revocable Living Trust on average “only” costs between 1% – 3% of assets. But in addition to a clear directive of where your assets are to go, another benefit of a Revocable Living Trust is privacy. As a Stealth Wealth practitioner, the last thing you want is everybody to see what you had and what you’re giving.

Think about the type of infighting that may happen amongst your beneficiaries if they deem your gifts unfair. Think about all the scrutiny your child might get if people find out she gets a large sum of money before adulthood. She just lost a parent or two for goodness sake. As a parent, the last thing you want is for your children to be judged by others.

Estate Planning Realizations

Once you have a child, creating a clear will and setting up a Revocable Living Trust is the responsible thing to do. Privacy, clarity, cost savings and succession planning are all important benefits.

Here are three other realizations that came out of my estate planning session all of you should probably follow. I already paid the lawyer thousands of dollars in fees, so you might as well take advantage.

1) You must forecast your death. Time is our greatest asset. This truth is no more apparent than when you’re talking to a lawyer about death. In my 20s and 30s, I thought that if I could live a healthy life until 60, I’d die a satisfied man. Leaving the workforce at age 34 was my way of maximizing the probability of living life with as little regret as possible. I kept thinking how horrible it would be to work at a job I no longer loved until 60 and then dying soon thereafter.

Now that I’m a father, I wish to prolong my mortality until at least 75. My new goal is to live long enough to see my 19-month-old son grow up to be a wonderful, independent man with a life partner. Leaving this world knowing someone loves him as much as his mother and I do will let us die in peace. As a result, my wife and I are taking more action to live healthier lives.

The average life expectancy for those born in 2018 in the United States is 76 for males and 81 for females. Although we are living longer, you’ll soon find out that life is not nearly as long as you want it to be. At my age, I’ll be damned if I waste a single day doing something I don’t absolutely don’t want to do.

2) You must forecast your wealth and estate tax laws. Time is also our greatest asset for creating wealth due to the power of compounding. You will be pleasantly surprised by how much you can accumulate over an extended period of time through diligent savings and reasonable returns. Once you’ve made your best assumptions on how much wealth you will have accumulated by the time you die, you must then forecast the lifetime gift tax exemption and the death tax rate at the time of your passing.

For example, in 2019 the lifetime gift tax exemption is $11,400,000. The top marginal tax rate remains at 40%. If you die in 2019 with $21,400,000 in wealth to pass on, your tax bill will be $4,000,000 ($21.4M – $11.4M = $10M X 40%).

On the other hand, if you die in 2030 with $20,000,000 when the lifetime gift tax exemption has declined to $5,000,000 and the death tax rate has risen to 50%, then your inheritor’s tax bill will be $7,500,000 ($20M – $5M = $15M X 50%). That is a shocking amount of taxes to pay on top of the taxes you already paid to accumulate such wealth.

Based on history, you can see from the chart that currently, we are at the highest estate tax exemption with the lowest death tax rate since 1997. It may be logical to assume a continued increase in the estate tax exemption and a continued decrease in the estate tax rate given the 22-year trend.

However, the doubling from 2017 to 2018 is an outlier. Therefore, it is also reasonable to anticipate an estate tax exemption decline and/or estate tax rate increase after the Tax Cut And Jobs Act expires in 2025.

3) You must give and spend more while living. In the scenario above where your inheritor must pay a $4,000,000 tax bill, unless your inheritors are already wealthy, they may be forced to sell some of your assets to pay for the tax liability. If part of your estate is your business that you want to continue long after you’re gone, then you may have some problems.

Would you rather pay a $4,000,000 tax bill to the government on assets you already paid taxes on or donate the same $4,000,000 to charity while you’re still alive and see how much good your gift will do?

Would you rather pay a $4,000,000 tax bill or spend more money on yourself and loved ones? If there is a high likelihood your estate will be worth more than the lifetime tax exemption amount, it seems obviously better to utilize your wealth while living, rather than after death.

Let’s say it takes 20 years to get to a $21,400,000 estate from $5,000,000 currently using $200,000 annual contributions and a 5% compound annual growth rate. In 20 years, the estate tax exemption is still $11,400,000 at a 40% death tax rate.

A better strategy would be to not save $200,000 a year, but spend $200,000 a year on charity and loved ones for the next 20 years. Without saving a single penny every year, you would still end up with $13,266,000 at a 5% compound annual growth rate. Therefore, your death tax would be a more reasonable $746,400.

One common strategy to utilize for estate tax liability is life insurance. You can even set up a life insurance revocable trust so it doesn’t count toward your estate exemption amount. If a large part of your estate includes a business you don’t want to sell to pay for estate taxes, then using life insurance or other liquid assets is a solution.

Estate Planning And Consumption Smoothing

People who have been saving and investing for so long often overestimate how much they’ll need to feel comfortable. I firmly believe the vast majority of financially savvy people will die with too much. This lack of financial clarity is the reason why everyone needs to do a better job at forecasting their wealth so they can consume it more smoothly while still alive.

If the estate tax exemption amount decreases or the death tax rate increases or both, then there’s even more reason to spend your money now while living. Unless you’re incredibly stingy, hoarding much more than the estate tax exemption limit upon death makes zero sense.

My estate planning lawyer really opened my eyes to how overly frugal I am. From driving an economical car for 13 years to downsizing our home in 2014, our expenses are where they were in our 20s. Yet, our income has grown. Based on our forecasts, there is a high likelihood that we will have to pay estate taxes at our current rate.

To figure out how much more we could spend today in order to avoid paying estate taxes, I simply logged onto Personal Capital and ran a Retirement Planning calculation after inputting some income and expense assumptions.

For illustrative purposes, the output shows that using a $1,225,000 investment portfolio, I have a 99% chance of reaching my planned monthly retirement spend of $12,500 starting at age 50. The portfolio has a projected spending ability of $18,416 a month based on its current asset allocation.

With almost a $6,000/month overage on how much I can spend starting at age 50 in retirement, I plan to up my spending by $1,500 a month starting next year, so long as the economy doesn’t go into a recession. If our wealth increases the following year, we’ll up our spending even more, but still maintain a comfortable buffer based on what the retirement planner spits out.

This additional spending budget may help us get over our reluctance to pay for private school tuition if our son doesn’t win the SF public school lottery. Just doing this estate planning exercise makes me feel much better about spending more money overall. I’m confident that once you run your numbers, you’ll be able to start spending more freely as well.

If you have dependents, please write out a will and/or create a revocable living trust. Not only will you better protect your loved ones, but you’ll also learn a lot more about yourself in the process.

For those of you who’ve gone through the estate planning process, what else did you learn about yourself and about estate planning laws? Why do people hoard so much more than the estate tax exemption amounts? Wouldn’t it be better to spend and give while alive than after death?

The post Three Things I Learned From My Estate Planning Lawyer Everyone Should Do appeared first on Financial Samurai.

Three Things I Learned From My Estate Planning Lawyer Everyone Should Do published first on https://worldwideinvestforum.tumblr.com/

[ronaldmrashid]

Three Things I Learned From My Estate Planning Lawyer Everyone Should Do

My estate planning lawyer said something interesting before I decided to hire her. “People who aren’t rich might need estate planning more than rich people because they might not be able to afford to pay probate fees in the case of an untimely death.”

Leave it to the US court system to make the distribution of your assets upon death, cumbersome and costly. Without a will or a Revocable Living Trust, beneficiaries will pay anywhere from 3% – 8% of the assets in fees in probate and could take potentially a year or longer for all assets to be properly distributed.

Probate fees include: personal representative fees, court fees, attorney’s fees, accounting fees, appraisal and business evaluation fees, bond fees, and other miscellaneous fees.

In comparison, settling a Revocable Living Trust on average “only” costs between 1% – 3% of assets. But in addition to a clear directive of where your assets are to go, another benefit of a Revocable Living Trust is privacy. As a Stealth Wealth practitioner, the last thing you want is everybody to see what you had and what you’re giving.

Think about the type of infighting that may happen amongst your beneficiaries if they deem your gifts unfair. Think about all the scrutiny your child might get if people find out she gets a large sum of money before adulthood. She just lost a parent or two for goodness sake. As a parent, the last thing you want is for your children to be judged by others.

Estate Planning Realizations

Once you have a child, creating a clear will and setting up a Revocable Living Trust is the responsible thing to do. Privacy, clarity, cost savings and succession planning are all important benefits.

Here are three other realizations that came out of my estate planning session all of you should probably follow. I already paid the lawyer thousands of dollars in fees, so you might as well take advantage.

1) You must forecast your death. Time is our greatest asset. This truth is no more apparent than when you’re talking to a lawyer about death. In my 20s and 30s, I thought that if I could live a healthy life until 60, I’d die a satisfied man. Leaving the workforce at age 34 was my way of maximizing the probability of living life with as little regret as possible. I kept thinking how horrible it would be to work at a job I no longer loved until 60 and then dying soon thereafter.

Now that I’m a father, I wish to prolong my mortality until at least 75. My new goal is to live long enough to see my 19-month-old son grow up to be a wonderful, independent man with a life partner. Leaving this world knowing someone loves him as much as his mother and I do will let us die in peace. As a result, my wife and I are taking more action to live healthier lives.

The average life expectancy for those born in 2018 in the United States is 76 for males and 81 for females. Although we are living longer, you’ll soon find out that life is not nearly as long as you want it to be. At my age, I’ll be damned if I waste a single day doing something I don’t absolutely don’t want to do.

2) You must forecast your wealth and estate tax laws. Time is also our greatest asset for creating wealth due to the power of compounding. You will be pleasantly surprised by how much you can accumulate over an extended period of time through diligent savings and reasonable returns. Once you’ve made your best assumptions on how much wealth you will have accumulated by the time you die, you must then forecast the lifetime gift tax exemption and the death tax rate at the time of your passing.

For example, in 2019 the lifetime gift tax exemption is $11,400,000. The top marginal tax rate remains at 40%. If you die in 2019 with $21,400,000 in wealth to pass on, your tax bill will be $4,000,000 ($21.4M – $11.4M = $10M X 40%).

On the other hand, if you die in 2030 with $20,000,000 when the lifetime gift tax exemption has declined to $5,000,000 and the death tax rate has risen to 50%, then your inheritor’s tax bill will be $7,500,000 ($20M – $5M = $15M X 50%). That is a shocking amount of taxes to pay on top of the taxes you already paid to accumulate such wealth.

Based on history, you can see from the chart that currently, we are at the highest estate tax exemption with the lowest death tax rate since 1997. It may be logical to assume a continued increase in the estate tax exemption and a continued decrease in the estate tax rate given the 22-year trend.

However, the doubling from 2017 to 2018 is an outlier. Therefore, it is also reasonable to anticipate an estate tax exemption decline and/or estate tax rate increase after the Tax Cut And Jobs Act expires in 2025.

3) You must give and spend more while living. In the scenario above where your inheritor must pay a $4,000,000 tax bill, unless your inheritors are already wealthy, they may be forced to sell some of your assets to pay for the tax liability. If part of your estate is your business that you want to continue long after you’re gone, then you may have some problems.

Would you rather pay a $4,000,000 tax bill to the government on assets you already paid taxes on or donate the same $4,000,000 to charity while you’re still alive and see how much good your gift will do?

Would you rather pay a $4,000,000 tax bill or spend more money on yourself and loved ones? If there is a high likelihood your estate will be worth more than the lifetime tax exemption amount, it seems obviously better to utilize your wealth while living, rather than after death.

Let’s say it takes 20 years to get to a $21,400,000 estate from $5,000,000 currently using $200,000 annual contributions and a 5% compound annual growth rate. In 20 years, the estate tax exemption is still $11,400,000 at a 40% death tax rate.

A better strategy would be to not save $200,000 a year, but spend $200,000 a year on charity and loved ones for the next 20 years. Without saving a single penny every year, you would still end up with $13,266,000 at a 5% compound annual growth rate. Therefore, your death tax would be a more reasonable $746,400.

One common strategy to utilize for estate tax liability is life insurance. You can even set up a life insurance revocable trust so it doesn’t count toward your estate exemption amount. If a large part of your estate includes a business you don’t want to sell to pay for estate taxes, then using life insurance or other liquid assets is a solution.

Estate Planning And Consumption Smoothing

People who have been saving and investing for so long often overestimate how much they’ll need to feel comfortable. I firmly believe the vast majority of financially savvy people will die with too much. This lack of financial clarity is the reason why everyone needs to do a better job at forecasting their wealth so they can consume it more smoothly while still alive.

If the estate tax exemption amount decreases or the death tax rate increases or both, then there’s even more reason to spend your money now while living. Unless you’re incredibly stingy, hoarding much more than the estate tax exemption limit upon death makes zero sense.

My estate planning lawyer really opened my eyes to how overly frugal I am. From driving an economical car for 13 years to downsizing our home in 2014, our expenses are where they were in our 20s. Yet, our income has grown. Based on our forecasts, there is a high likelihood that we will have to pay estate taxes at our current rate.

To figure out how much more we could spend today in order to avoid paying estate taxes, I simply logged onto Personal Capital and ran a Retirement Planning calculation after inputting some income and expense assumptions.

For illustrative purposes, the output shows that using a $1,225,000 investment portfolio, I have a 99% chance of reaching my planned monthly retirement spend of $12,500 starting at age 50. The portfolio has a projected spending ability of $18,416 a month based on its current asset allocation.

With almost a $6,000/month overage on how much I can spend starting at age 50 in retirement, I plan to up my spending by $1,500 a month starting next year, so long as the economy doesn’t go into a recession. If our wealth increases the following year, we’ll up our spending even more, but still maintain a comfortable buffer based on what the retirement planner spits out.

This additional spending budget may help us get over our reluctance to pay for private school tuition if our son doesn’t win the SF public school lottery. Just doing this estate planning exercise makes me feel much better about spending more money overall. I’m confident that once you run your numbers, you’ll be able to start spending more freely as well.

If you have dependents, please write out a will and/or create a revocable living trust. Not only will you better protect your loved ones, but you’ll also learn a lot more about yourself in the process.

For those of you who’ve gone through the estate planning process, what else did you learn about yourself and about estate planning laws? Why do people hoard so much more than the estate tax exemption amounts? Wouldn’t it be better to spend and give while alive than after death?

The post Three Things I Learned From My Estate Planning Lawyer Everyone Should Do appeared first on Financial Samurai.

from https://www.financialsamurai.com/three-things-learned-from-my-estate-planning-lawyer-everybody-should-do/

[captain-spookycandycollecti-blog]

Can having your car insurance cancelled lower your credit score?

"Can having your car insurance cancelled lower your credit score?

My friend just talked to some other people that have the same card (Cabela's Visa) and they had the same thing happen to them.  They all have good credit and pay all their bills on time and usually in full, but Cabela's dropped their credit limits drastically.  I think it is just Cabela's.    Thanks to everyone that answered anyway.  It turned out to be a whole different issue.

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

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Which health insurance companies are best, is it wise to buy policy from any of the companies which are listed there or registered with IRDA or we should keep certain things or criteria in mind? So that we should not feel sorry or guilty after buying or dealing with these in the need hour. THANKS""

Insurance company denies the damages?

my car has been involved in an rear end crash and the insurance company of the other party denies some of the damages , that are actually done because of the accident. the auto body shop gave me an estimate of 4 to 5 000 $ . my car doesnot cost that much . the insurance company is offering only 633 $ and disagrees with me to total the car . there was no damage prior to the accident made to the car on the rear end side. they argue that the other car that hit me does not have even a dent then how come my car have this much damages. i know that my car did not had n e damage on the rear before the accidednt. based on the automobile source they think that the actual cash value of the car is 1900 , and they have didcted all other damges , that are not because of an accident. please guide me what i should do in this case.""

Life insurance for police officers?

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

Why is our group health insurance so much more expensive than getting an individual plan privately?

My husband gets insurance through his work, and they take out $170 a week (he gets paid weekly). So that totals about $730 a month for us and our kids plus maternity benefits. What confuses me is if we were to drop that insurance and get an individual plan with the same company, same deductible, same co-pay, including maternity benefits (exactly the same plan) it would run us about $440 a month. I thought that the whole point of getting on a group plan was that it would be cheaper. I would be okay with it being the same as private but it makes absolutely zero sense to me that it would be almost twice as much... Anybody want to explain? Or are they just screwing us over?""

Regarding Auto Insurance Companies policy for DUI.?

I am in living in Northern California and my question is how long do Auto INsurance Companies keep DUI on your record. I have been told 7 years but our insurance companys says 10years..

Please I Need Help On My Car Insurance?

I just bought a car and i don't want to pay huge car insurance. Anybody care to help me out may be a recommendation of place i can get it a little bit cheap

How much is required down to open a homeowners insurance policy?

I am getting ready to buy a house and I am getting ready to switch my car insurance into my own name from my parents. I have to add homeowner insurance on to the policy. If I stay with the same company will I have to pay money down like for a deposit?

Insurance totalling my car looks suspicious?

At this point I regret making a claim and wish i could turn back the clock. I am being forced into a box and it looks shady. Three weeks ago my 2005 Cadillac STS was involved in a parking lot flood where the water rose and filled the floors of my car by about 4 inches. All us neighbors had cleaning parties using a wet vac and baking and toweling are cars in the sun over the next few days letting our vehicles dry out. On my car everything works like a dream as it did before with the exception of a 'check stability control' notice that comes on when I start the car. I have been driving the car fine since the flood and decided maybe I should make a claim to fix this error that pops up on the dash when i start the car. From the time I dropped it off at the dealer it has been all negative. Right away the dealer was negative and telling me it's the end of the world with my car, everything is ruined and it will probably be a total loss. He got the adjuster for my insurance company out there and it looks like it will be put in to the total loss category. No i am just asking the insurance company to forget everything and drop the claim because the damage is not that extreme and i dont want to lose my car. I am told at this point it is too late. Is that true? My neighbors are floored by this, i have been driving it around for a few weeks just fine and the car still looks new With only 62000 miles on it. I can't help from thinking that something suspicious is going on here. Do they stand to make a nice profit by totalling my vehicle and then replacing one module for a 1000 or so and having a perfect car with all systems working? Also the lady from the claims office said the car had to be 80% damaged for it to be a total loss. I asked her if this was based on speculative problems that they think may occur in the future because of the water, or based on actual damage now? She said it had to be actual damage now but couldn't give me any details from the adjuster yet. Can I demand that the adjuster list everything that he thinks has been damaged to my car (which I am convinced he will have to be creative to do so)? The car as i said drives wonderful, I checked the fluids on my own (fine), and the car looks new. Do I have any recourse here? I just want the car fixed for the one problem, i dont want to lose the car, and at this point I don't even care about having insurance fix the one problem, but again I am told it is too late to go backwards and drop this entire issue. I almost have an inclination to report this because it looks so shady. No reasonable person would look at, and drive this car and consider it a total loss. What is the agenda of the insurance company and cadillac dealer here? Something smells foul with this situation.""

California: Smogging an older car?

I have a 1983 Datsun 280zx, and I just got a letter in the mail saying I have to smog this vehicle. I thought there was an age bracket for classic cars that didnt need to be smogged ...show more""

Can having your car insurance cancelled lower your credit score?

My friend just talked to some other people that have the same card (Cabela's Visa) and they had the same thing happen to them.  They all have good credit and pay all their bills on time and usually in full, but Cabela's dropped their credit limits drastically.  I think it is just Cabela's.    Thanks to everyone that answered anyway.  It turned out to be a whole different issue.

I'm Pregnant With No Insurance?

When Should i go to the doctor?! And Also.. I don't have insurance.. and was wondering what am i supposed to do about that?!! i currently live in california but me and my boyfriend are soon moving to washington. any suggestions or sites you know of for gov't aid?? by the way.. i hate having to go through gov't assistance right now... but it seems to be my only option. any help?!!

Health insurance costs...what do you pay?

My husband is in the military and is thinking about getting out. Our health insurance is totally covered right now but in the civilian world we have no idea what the cost will be if he doesn't get a job that offers benifits. I'm looking for any info about what people pay monthly, and co-pays for health insurance for a family with 1-2 children. Thank you so mcuh!!!""

Who is covered with car insurance?

if I let my friend use my car is she covered under my car insurance? I've heard that it is the car that is covered, not the specific person... is that true?""

What would be the best sports/muscle car for a 16 year old girl?

As far as insurance costs, gas, problems with the way the car runs -if any- what car would be best? Even old muscle cars from the 60s and 70s may be suggested as long as u have the year and car name for me, u did ur job! Thanks :) think most affortable and sporty/ muscle car look! List year too! Oh and pleaseeeeee keep price in mind! She has to pay for the whole car and everything that has to do with it....absolutley nothing over 15000 and even that might be too expensive""

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...if i take a rental car , then my auto insurance...""

Can I rent a car without my own insurance?

I don't have any car insurance since I go to college in the city and rely on public transportation. I'm 21 years old and I am making a trip to LA where I want to rent a car. I am wondering if I am still able to rent a car since I don't have my own car insurance. Can I bring my parents insurance information with me? The insurance card only has their names on it, not mine. What should I do?""

How much will my insurance go up??

i have 21st century auto insurance and i have been driving since february 2008 and i am 18 years old. i bumped a state vehicle (caltrans) but there was no damage done whatsoever to the vehicle...as for my car...there was a small scratch that i will not repair. however chp said since its a state vehicle they have to report it. how much will my insurance go up??

""If I already have health insurance, but my deductible is way to high $4000?

and I am eligible for medi-cal...am I supposed to cancel my other insurance or how does that work?

Insurance for bmw 328i for a 16 year old?

Can anyone tell me an estimate of how much insurance would be for a 16 year old female for a 2011 or 2012 BMW 328i? I get all A's and B's ( i heard that you get a small discount on insurance for good grades). thank you!

How much money does car insurance go up per year after an accident that is your own fault?

My wife and I just had an accident in a parking lot in which we backed into another car that had almost completely backed out already. No one was hurt, but the damage caused by our car is between $1,000 and $1,500. We will not have the damage to our car repaired. This accident is our fault; however, both of us have had a completely perfect driving record up until now. We just want to know how much this accident is going to make our insurance go up.""

What companies provide auto insurance for adult learners?

What companies provide auto insurance for adult learners? I am an international student in Ohio. I am older than 21. I get a learner's permit recently and am now looking to buy auto insurance. I am independent and can not be added to other people's policy. I have been searching the Internet, including Yahoo! Answer, for one week to buy auto insurance for adult learners. It seems the majority say I have to be added to other people's policy. Some say I can do it by myself without giving further details. It seems that no insurance companies are willing to give me a quote considering my situation. GEICO is willing to give me a quote one month before I get my DL. Are there some companies that give adult learners' auto insurance? Thanks in advance.""

What should my average house insurance cost?

I'm buying an older house (1920's-1930's) in a working class neighborhood in California for about $200K. What should I expect to pay for my standard homeowner's insurance?

""I lost my wallet and need to replace my drivers license, do I have to have a form of car insurance?""

Im in Texas. Also, how much does it usually cost to replace the drivers license?""

What good is term life insurance?

I fully intend to live longer than most term life insurance policies cover! Whole life is more practical, to my way of thinking.""

Anyone know insurance groups?

need to know the insurance group dif between a standard 1993 mr2 and a 93 mr2 turbo

Not sure how much condo insurance to get?

I'm in the process of buying a condo, and I need to have condo insurance set up. However, I'm not really sure how much insurance I need on a condo. The homeowners association covers everything on the outside, so I would only need to cover walls-in. This is what I've come up with after doing a quote: Contents Amount: $50,000 Building Property Coverage: $15,000 Condominium Loss Assessments: $1,000 Deductible: $500 Earthquake Deductible: 2% Personal Liability: $300,000 Medical Payments to Others: $1,000 The condo is selling for $125,900. I really don't have a lot of furniture, and what I do have is all hand-me-downs. I have a four year old, so all the furniture and stuff that comes along with having a kid. I don't have really nice jewelry. I have a 32inch hd tv, computer (i paid 150 for it, so nothing fancy lol), and a kindle fire, wii....that's about it for electronics. I want to make sure I have enough coverage if something happens with counters/floor/walls/etc, but I don't want to be unnecessarily paying a high insurance bill. Any suggestions? Also, is earthquake or identity theft something that would be good to add in? I live in Iowa so earthquakes aren't really an issue...but is that one of those you never know, so at least you're covered things?""

I need health insurance in california?

i really need health insurance i have a really bad sinus problem & ADD i already had a surgery in the past for my sinus problem and i had healthy families insurance and they paid for it and they used to pay the office visits too my mom only paid $5 copay and since i turned 19 i cant have that insurance anymore is the some other insurance that is full coverage and is not very expensive? i already tried getting medical but did not qualify and i dont have a job because everyone is getting laid off over here

How much would insurance be?

In the next couple months I'll be in the market for a 2006-2008 7series BMW. I'm 17 and this would be my second car. Approximately how much would I be paying a month for the insurance? Thanks in advance.

Where can I search for health insurance that's right for me?

I'm looking for affordable health insurance. Is there a website where I can compare rates and benefits of different health insurance providers side by side?

Cheapest car insurance for teenagers?

I have a 16 year old what insurance is the cheapest to put her on

""If I start paying my car insurance, and then change my name, would my dad find out?""

I'm almost 20 years old, I recently moved back in with my mother and my father gave me a car. As of now my father pays for the insurance, and the car is in his name. He also has a GPS installed in it. I'm going to be moving across the state this year, but will put the car in my name and pay for it's insurance beforehand. I will also finally be changing my name (first and last). I don't want him to know about my name change. Though they are public records, I know, would he be informed in any way by looking at any document to do with my car? Would insurance or anything contact him in any way if I pay for it?""

Can a 17 year old get insurance in her name in mo?

I'm 17 and i have my own car, dont live at home 2 hours away to be spacific, have a job and a son i turn 18 really soon and i was just wondering is it possible to get insurance in my name? Its in the baby daddys name right now but its like 200 dollars a month and i think its so high because his age sex and criminal record and his wrecks. For me i have never been in a car wreck or in trouble with the law and attending GED classes until school starts back up and then im going to take my ged at the school and get my hs diploma ive heard if your attending school or what not there are discounts. Any way please just answer my ? all rude comments will be deleted thanks!!!""

Temporary Car insurance?

I just got my first car (I'm 17 years old) and I need it to go to school which is a good 80 miles away. On top of that I need to find a job which I couldn't do because I didn't have a car. However I can't drive my car because it doesn't have any insurance on it and the insurance is incredibly expensive. For now I just need it to go job hunting. Is there such thing as a temporary car insurance or maybe a waiver for students or SOMETHING that I can use?

Help with insurance claim on exotic sports car?

My car ---an exotic sports model--- was damaged in a parking lot collision tonight. (My car was parked and struck by a guy who wasn't looking ahead.) Even if a 100% repair can be effected, the value of the car will be forever diminished because of the car's blemished history. People who buy these cars simply will not pay top dollar if the history shows any sort of collision repair. Of course the other guy's insurance is not going to want to give me an extra few grand to cover my eventual loss. What can I do to be covered? Would I have to sue for something like that? (Or CAN I, or SHOULD I...) As it is, I think my car loses AT LEAST $5,000, maybe $10,000 at resale (even with a perfect repair).""

Getting insurance under my name?

I currently live in NJ. I'm planning on switching insurance companies and i would like to put it under my name. I'm currently under my dad's policy and he is the owner of the car. But, for me to get my own insurance, i need to transfer to title under my name. But, it says that you need proof of insurance before you can transfer the title. Is my dad's insurance (which is the current insurance for the car) good enough for proof?""

Can having your car insurance cancelled lower your credit score?

My friend just talked to some other people that have the same card (Cabela's Visa) and they had the same thing happen to them.  They all have good credit and pay all their bills on time and usually in full, but Cabela's dropped their credit limits drastically.  I think it is just Cabela's.    Thanks to everyone that answered anyway.  It turned out to be a whole different issue.

Cost of insurance for 1999 mustang?

im 16, did the full drivers ed course- should get me some discount. live in Connecticut prob gonna drive 5-7kmiles annually car already has 122k mi. car is black, v6 model standard. bought it for 2k$ HELP ME OUT A LITTLE, HOW MUCH WOULD MY INSURANCE COST?""

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""

Insurance boyfriend and girlfriend.?

Well as topic says I need an insurance for me and gf (I don't have one yet) and I live in newyork and she lives in georgia I need some plan that can have me and her on same thing and I can pay for it. Your help is appreciated

""Hi , i had an accident and wrote my car off, i thought id cancel insurance but insurance company say ?""

that i cant because its a credit agreement , i thought that cant be right im now paying insurance for a car that i don't have , help""

Car Insurance Help!? Will my rates go up?

Today when I got outta school, I was about to drive home and i found a huge dent on the passenger side door. So it was a hit and run I guess. Nobody left any note or anything. I drove the car home and called the cops to get a police report. the cop gave me a card with her name and the case number, but she said that if i file a claim with insurance, the company will either drop me or increase my rates. I'm a 17 year old boy and i live in maryland and im insured under geico. will my rates go up? Thanks""

Is liability insurance the same as renters insurance?

Is liability insurance the same as renters insurance?

Car insurance question?

if you let someone else drive your car , and they get in an accident , what happens? does their insurance still cover them? are you covered to fix your car? i have my friend (who has had his license way longer than i have , and who i feel is a better driver than me anyways) drive my car sometimes when we go out together is this a bad idea, and why?""

Car Insurance?

Is it possible for two brothers to be under the Named (or Names) Insured list on a car insurance statement or any paper relating to car insurance. Can two brothers be insured together?

How much insurance for a Mustang in Florida?

I'm 18 years old, and I want to get a Mustang and my insurance plan is going to be under my uncle's name (52 yrs old, but he has many records for crashing and tickets, his insurance for the Civic now is $800/ 6 months). If I get a brand new one using Progressive, AT LEAST how much it's gonna cost me for 6 months??""

Parents Insurance?

If I'm on my parents Insurance and I go to a doctors appt without them knowing will it show up on there insurence statement?

Health Insurance?

Can someone reccomend some good affordable health insurance policies for people who's work place does not have health insurance yet. I'm looking for something with good coverage that wont cost me an arm and a leg. Here is a list of things i want on this coverage in order of priority: 1.Mental Health Coverage (dont refer state and government run things because i fall through the cracks on their rules) 2.Dental (i love and want to keep me teeth) 3.Doctor visits (i dont go to the doc much even when i am sick)

Cost to insure 2008 Kawasaki Ninja 250R?

I'm 18 years old, female, live in Virginia... not sure what else you need to know for an insurance quote, but about how much would it cost to insure? Let me know if you need more info. By the way- I've heard many, many times this bike is great for beginners- is this true? What are your recommendations?""

Question about delaying the individual mandate portion of the Affordable Healthcare act.?

Since the Affordable Healthcare Act is based primarily on the individual mandate, if the mandate is delayed by 1 year, what happens to those who have already lost their current health ...show more""

What are insurance rates on a 1992 camaro?

i want to buy a camaro but need to know if insurance will cost too much on a 1992 convertible camaro?

Where can I find non-owners car insurance in Massachusetts?

I'm looking to purchase a non-owner's car insurance policy (I live in the Boston area). I do not own my own car, but since I'm still in college and I just moved home, I drive both my parents cars and my brother's car. A non-owners policy would cover me in whichever car I'm driving, and I'm just wondering if anyone could recommend a company in MA that offers this?""

Should I buy Home Owners Insurance or Renters Insurance?

I am buying a home on a land contract. Should I get home owners or renters? Also if I carry the insurance does the owner have to carry a policy too?

What is the cheapest car insurance for a new 20 year old driver in Michigan?

I dont have car yet but I just need some general information about how much im going to be paying a month. I also live in the suburbs and plan on getting a reliable,cheap,and off the theft radar car. Thanks!""

Anyone who knows about car Insurance please help?

Ok, long story short. I live in Canada, Ontario, the worst ******* place in the world to be when it comes to car insurance. I am classified as a high risk driver because of some petty thing I did, (got caught driving with my G1 license alone, when you need a passenger with at least 4 years experience) I want to know what my insurance would be now on a 1991 bmw e30 318is. I am 16 years old, my question is can I call a bunch of insurance companies and ask for quotes? I mean do I have to be at least 18 years of age to do this? Please inform me. I am pretty sure as long as I have my license beside me I can call insurance companies for quotes right? Also what do they ask? Just car Make, model, year, color, sedan or coupe, etc? What else? Sorry for sounding like a complete idiot, I am only 16 I do not know these things. Thank you very much""

What is the best/cheapest car insurance?

I am 19, I've had one ticket for driving too fast for conditions . I'm getting a new car this week, a 2002 4dr honda civic. How much should i expect to pay for insurance? And what is the best company to go through?""

Insurance in USA for people above 45 and below 60?

Hello, My parent just moved to USA (NY) a few months back and my father works at a grocery store. My parents do not have health insurance and I want to get them medical insurance somehow, something that is affordable since my father's job does not offer any health coverage. I am there only daughter and I asked my employer if I can add my parents to the my insurance policy but he said that will not be possible. My dad has been searching for a job which offers medical coverage but unfortunately it is a tuff time to find a job. My mother is suffering from Sciatica pain she went to one of the walk in clinics and got the medicine and ended up paying 200$ which did not do any good. Any suggestions how I can resolve this issue?""

""How much do braces cost in los angeles, without insurance?""

I don't really have crooked teeth. My bottom teeth are straight... and my top teeth look straight from a frontal shot, but in reality one of my canine teeth is a little higher and outward then the rest. I want to straighten that one out. How much do braces cost without insurance? in cash! thakns""

How does health insurance work in the USA?

I wanna visit but I keep hearing crazy stories of how going to a hospital makes you bankrupt :/

How much would my insurance cost if i an a new driver age 16 in CT without a car ( i just use my parents car)?

My parents are good drivers and have no real accident record and i havre no criminal record and get decent grades. my dad saqys rates would go up 1500 dollars is he being accuratge?

Question about unemployment Insurance In california?

I have to send my form on the 12 of december. If i dont send it by that time.say about a week later will it be a problem? when is the latest i can send it through the mail? anyone know?

Why should someone who is say 40 get cheaper car insurance than a 17 year old?

If for instance they passed on the same day, why should a 17 year be categorised as less responsible than a 40 year old in terms of driving ability? Particularly when chances are due to the insurance gaps and most probably the earnings of these two hypothetical people the 40 year old would be able to afford a more powerful car...""

Can having your car insurance cancelled lower your credit score?

My friend just talked to some other people that have the same card (Cabela's Visa) and they had the same thing happen to them.  They all have good credit and pay all their bills on time and usually in full, but Cabela's dropped their credit limits drastically.  I think it is just Cabela's.    Thanks to everyone that answered anyway.  It turned out to be a whole different issue.

Insurance Coverage?

HI I was in accident about 5 Month ago..I was seen by a doctors but I stopped going becuase I didn't have that much pain. Now I started having all this pain on my legs..so My question is, if I go see a doctor now, does my insurance covers it. Thank you for your advice..""

""I bought a good life insurance for my family, Just how much does McCain loves 303 million Americans?""

I bought a good life insurance for my family, Just how much does McCain loves 303 million Americans?""

Which is best general insurance to take?

I can pay 2000rs/annam.I need Health & Mediclaim Policy. My Requirements -- Maximum coverage of insurance.Should cover all diseases including new diseases which will come in future(i have worried about swin flu a new arraival in 2009). My age is 27years.

How much should I pay for liability insurance for a non-profit?

I'm from a non-profit volunteer organization that wants its volunteers to teach a 16-session class. Normally, we teach in a local high school, but given the time in the school year, I would like to teach in a public/community setting over the summer. In order to get a public place (library; community center) to host this class, I need to take out liability insurance. I've asked my supervisor whether our organization has liability (no response yet). If we don't currently have it, what is an affordable company to buy it from? How much should my organization pay for a minimal premium?""

What is the difference between term insuarnce and whole life insurance?

What is the difference between term insuarnce and whole life insurance?

Cheap auto insurance?? PLEASE? :(?

My friend she needs car insurance or her car will get repossessed. She's 19 and has only had her license for a year and is being financed a vehicle($200 monthly payments-in 2yrs it'll be payed off). She doesn't have a steady job yet but she's starting college at hcc this fall. She's living with her mom right now. The downfall is that she's already gotten a speeding ticket and hasn't had insurance for 6 or 7months. She needs a non-'name-brand' auto insurance. The cheapest offer so far was $406 a month and she can't afford that. By the way..this is in florida. Can you please inform me of a cheap car insurance place? It doesn't have to be any good..just cheap...thankyou..

Why does it make car insurance a lot cheaper when i add a younger girl than me as a named driver?

i got told to add someone younger than me on my car insurance to make it affordable, she's 17 and I am but she's younger than me, she has a provisional liscence. Is this illegal?""

Do you pay car insurance every month or every six months?

Need it for the class I'm in now. Help quick!

What insurance companies call sports cars?

im a 15 years old and my dad says i cant get a sports car cause i cant afford insurance on it so i want to no if there's a list of all the cars they call sports cars

DUI in CA - how much will my car insurance go up?

I was convicted of a DUI and soon I'll be eligible for a resticted license. I have to have an ignition interlock device installed, and file an SR-22 with my insurance company (Anchor General Insurance). I have not told them yet as I am not yet eligible. I called and they said that they do accept people with DUIs. I am currently paying $77 per month for full coverage. I'm male, 29 years old. How much can I expect my insurance cost to rise once I file the SR-22?""

Maternity on new Insurance?

Hi, I will be relocating jobs and will then have to get onto my new job's insurance. Just wondering, is maternity often available with applying with a new insurance? Could it be considered a pre-exisiting condition? Also, with insurance, would it cover all my ob/gyn visits? New to this, need info! Thanks, in advance!""

Looking into farm bureau insurance in louisiana need help?

Farm Bureau is the cheapest insurance I can afford here but do I have to be a member to get auto insurance through them? I am only 19 will they insure someone my age?

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.""

Fake insurance??

Hello my friend want to register his car under fake insurance. He wonder wat will happen if he go register it with that fake insurance?

Question about unemployment Insurance In california?

I have to send my form on the 12 of december. If i dont send it by that time.say about a week later will it be a problem? when is the latest i can send it through the mail? anyone know?

Advise please im looking for a cheapest and reliable car insurance i?

For my honda civic 2012 LX, thank you!""

Car insurance: Hybrid or conventional?

For a vehicle that is available in hybrid HEV and conventional drive train, which one costs more in vehicle insurance? and what is the difference?""

When does insurance go down for minors? at 18 or 21?

im wondering because i am getting a car and i am 17 and i am wondering if i should just wait till im 18 to get it cheaper or if i should just be on my parents plan

Does a Dodge Dart have sports car insurance?

If i buy a dodge dart Rallye and it has the 1.4L turbo engine, will i have to pay for sports car insurance?I have statefarm..""

How much should I be looking for to pay for car insurance?

Its a 98 ford escort with 127,000 miles and it has a salvage title""

Where can I get affordable Health Insurance asap?

Where can I get affordable Health Insurance asap?

If i dont have car insurance can i still drive?

my name is not on the car insurance for my dads car, and he said i cant drive because my name is not on the insurance.""

Classic (1964-1972) Mustang Reliability/Maintenance/Insura...

Hi guys, I am looking to get a classic mustang convertible as my first car/college car. Is this a good idea? I know its not the most reliable, but for the kind of money I have I think it is the coolest and most fun car I can buy. What are the reliability/maintenance/insurance like? thank you!""

Would my insurance policy rate go up?

If I report a hit and run to my insurance company would my policy rate go up?

Cheap car insurance for a 17 year old?

Hi iv just bought a Volkswagen Golf S 1.4l engine and can only get quotes for car insurance of around 4k - 11k. Does anyone know of any insurance companies who can offer a lot less on insurance for teenagers? Thanks

Can having your car insurance cancelled lower your credit score?

My friend just talked to some other people that have the same card (Cabela's Visa) and they had the same thing happen to them.  They all have good credit and pay all their bills on time and usually in full, but Cabela's dropped their credit limits drastically.  I think it is just Cabela's.    Thanks to everyone that answered anyway.  It turned out to be a whole different issue.

https://www.linkedin.com/pulse/woud-my-car-insurance-go-up-ethan-carpenter/"

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insurance quotes for new cdl drivers

"insurance quotes for new cdl drivers

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Which insurance companies out of the major ones have you found that are the cheapest for a 19 year old on their own policy?

Where can a 29 year old student find health insurance?

I am a 29 year old substitute teacher and part time student. I am looking for some type of affordable health isurance and prescription plan. I am in need of some help...I have no idea where to look. Can anyone please point me in the right direction? Any help would be appreciated. Thanks so much!

Is my health insurance tax deductible?

I worked for 4 different employers in 2012. I was a full time W2 for two and a contractual W2 for 2. When I lost my full time W2 job in January I bought my own health insurance. Then I contracted for about 8 months (W2). They offered my insurance but mine was less expensive and better coverage. Then I got a full time W2 job and opted out of their health insurance because my private coverage was better and cheaper. At what points, if any, was my health insurance tax deductible? From what I read it never was because I was always offered it by my employer.""

How do I get car insurance?

I am 18. I am not in college nor do I have a diploma. I don't start college till Fall 2011. Is it possible that I can still get car insurance? If so, how?""

Is there a dental insurance available for the self-employed?

I am a at home caregiver and I need a dental insurance that is affordable and covers most procedures...please help

Insurance related question?

I am planning to take a savings plan insurance in SBI Life Insurance for tax benefits and for my future benefit also. Is SBI Life Insurance reliable or shall i consider for some other insurance company? If you think other Insurance company, please suggest some good company names. And do you think my option for saving plan is good or shall i look for some other plan? Your suggestions are welcome and thanks for your time.""

What is the best website to reseach and compare auto insurance quotes?

What is a good website to use when researching auto insurance. One where I can get numerous rates from various insurers and compare them with each other?

How much would car insurance be im 17?

Hello im a male and im 17 my car is a 1996 honda del sol And does insurance also depend on age,car, and area u live?""

What insurance companies will insure someone with a DUI on his record?

My boyfriend and I have our car and house insured under State Farm, but apparently they have a zero tolerance policy and have dropped him from the insurance. My agent was saying something about 're-evaluating' at some point in the future, but he was being so rude to me about it (I wasn't the offender) that I didn't really listen, and have no interest in staying with State Farm (at least with that agent). I assume if State Farm has a 'zero-tolerance policy,' they're not the only company that does, so what companies would insure us? We understand that we'll have to pay higher premiums, which is fine, since it's the consequence of his actions. I'd just rather not go with some cheesy insurance like The General or Safe Auto.""

Is Gieco a good insurance company?

Okay, a few weeks ago I was out looking for a new car (2010 Scion tC) I got some pretty good quotes on it. But when I got the quote through my insurance broker I found out it would be $2600 a year cause of my age and gender (male, 22)! One of the car dealers called Gieco while I was there and put me on the phone with them and they got a quote for a little $150 a month if I sent them my college grades. Is this too good to be true? Or will they just charge me that when I start out and charge me fees later on?""

How does and underage affect insurance?

A friend of mine was just charged with an underage but was accepted into the ARD program. We are wondering how this is going to affect her auto insurance policy.

What kind of vehicle would have the cheapest insurance?

I need to buy a new car, and have pretty high insurance. I was wondering what types of vehicles would have the cheapest insurance for a newer car (2000+)""

How do I prevent myself from getting taken advantage of by the car insurance companies?

What steps do I need to take in order to always be well ahead of the tricks that car insurance companies would want to pull on me?

How much is car insurance and how much would car insurance on a mustang be how much would mustang I?

I am looking a used cars and I was wondering how much car insurance is and how much would a mustang be to insure.... Also I would be a first time driver and I live in pa if that makes a difference

Small and cheap to insure ideal first cars?

first car for a 17 year old, no more then 1800, MUST be small and cheap to insure and preferably a respectable looking car :')""

Does car insurance really go down at age 25?? how much?

How much does car insurance go down when a person turns 25? How much can I expect mine to go down? I am a woman now paying 82 a month. I have nothing on my record, no tickets, accidents, claims in my life (8 years since 16)""

What is the absolute cheapest classic insurance broker in the uk?

cars 1960-1991

Adding body kit or alloy wheels increase insurance on 17 year old?

I will be 17 in January and was wondering whether adding a body kit or alloy wheels to something like a fiat seicento would increase the insurance... because it may be more desirable to steal? Please give me legit answers...

What kind of car insurance is this?

Where I am insured, and not my car. So basically, i can drive any car i want but no one else can drive mine because IT isnt insured. (not unless they have the same type of insurance anyway.) Does anyone know what i am talking about?""

Is the amount you paid for your car covered by full insurance if an uninsured motorist hits you?

A friend was stopped at a light when some idiot hit her car and totalled it! Although, she has full coverage on the car(she just recently finished paying off), the idiot who hit her did not have any insurance! The total she paid on her car was $13K. The insurance company only wants to give her the blue book value of $3000! The situation is even worse because the offending party have no insurance! Is the insurance company trying to rip her off?! What should she do to get back at least close to the total amount she paid for her car?""

Cheapest auto insurance?

Cheapest auto insurance?

What is electronic insurance?

details about electronic insurance

Car Insurance Claim Help?

Car Insurance Claim Help? On the 4/7/2011 I was at a set of traffic lights that was (RED) of my way to the shops. As the lights went green I begin to move off slowly as I did another car came from the left of me and tried to turn right as he speed up he crashed into the drivers side of the car. He clearly jumped a red light (Clearly Seen on CCTV). I was in total shock at the time! After he crashed into my car he went to drive off by reversing, I jumped out of my car to stood in his was so he could not drive off the witness behind me called the police while I was stopping his from driving off he started to drive forwards trying to me me out the way. After the driver spoke to the police on the phone, he then gave me his Name, Phone number and Insurance information. The next day I called my insurance company they was vary helpful and I believe the clam would be settled in my favor as I had CCTV of the crash as I had a camera inside of my car and a witness that was behind my car at the time of the crash. After nearly 4Months I have now revived a letter stating that the claim has been closed on a Without Prejudice Basis. When I contacted Aviva to see what the 3rd party has not accepted full liability they said it was dealt with like this as the 3rd party who crashed into me was not responding to and calls or letters that have send him. Aviva did not asked to see the CCTV of the crash and did not take into account the witness statement. WHAT CAN I DOOO??""

What am I required to report when I apply for new car insurance?

I scratched the paint on someone's bumper. A claim was made and the damages paid were approximately $1300. My question is: if I will be applying for a new insurance policy, am I required by law to report that I was in a fender bender? Are they able to access these records? I am trying to determine whether or not this will affect my new insurance policy rates.""

Good maternity insurance in Michigan?

We are looking for good affordable maternity insurance here in Michigan. Everything that I've found has a huge waiting period, and they still expect me to pay through the entire time. Any help?""

insurance quotes for new cdl drivers

insurance quotes for new cdl drivers

Would the auto insurance still liable?

I was involved in a car accident and I was hit by a guy who ran a red light. A policeman was a witness to the accident and the report states that it was the guys fault. After a couple of weeks his insurance which was under his mom is stating that he was not listed as a driver on the policy so they are not liable for damages. My question is are they still liable for this negligence. I would really appreciate some help. The guy is still driving and I have been without a car for 2 weeks.

For Californian's - Arnolds Health Insurance question?

Can someone explain to me if this is wrong or is this right? He intends to tax the businesses that don't give their employees health care (which would be among the smallest businesses because those with over 50 employees have too in California) and use that money to buy them some kind of health insurance? I wonder how many folks are going unemployed due to the closure of small businesses if that happens?

My car insurance is to high! How can I lower it?

I'm 18 years old, I have been in no accidents. I have health insurance. My car is a buick 2002 century. I pay 400 and don't even have full coverage! I only work part time I don't have 400 dollars every month. Anything I can do?""

""Renting house to teen driver (18), Does my car insurance go up?""

I'm 42 and considering renting out a room to an 18 year old in the house I own. Will having a teen driver putting this as their address, will MY car insurance cost go up?""

Am I being cheated by the car insurance company?

I was on a bike and I accidentally hit someone's car and broke the back windshield. Nothing else on the car is damaged except windshield. Later the car owner's car insurance company (state farm) send me a payment of $1700, and they have a subrogation service (Afni) to collect payment. First of all, I believe it DOES NOT cost $1700 to replace a back windshield, like I mentioned, nothing else was damage except the windshield on the back. How is this amount calculated? The subrogation service has been pressuring me to pay the amount. I will pay for the damage but I don't believe I have to pay this much. Could this be the owner of the car falsify the claim? What should I do? I don't have car insurance, I was on my bike. It was a total accident.""

So where do I get health insurance?

My job doesn't give me health insurance and I'm usually broke and mommy and daddy can't get it for me. Where do I go to get health insurance?

This is about car insurance?

Ok. i have a direct debit set up with swinton for my car insurance every 26th of the month. This december I got paid on the 18th and i have left no money in there for my direct debit to come out when they took it out on 29th decemeber. I didnt realise this happened until friday 29th january and got a phonecall form them telling me they are cancelling my car insurance. I was angry as I had no letters to confirm this and no phonecalls. My phone is broken and I had changed my address (which i have given them about 10 times) they said there was nothing i could do and cancelled my insurance. They have now told me that because i havent paid that its been sent to the debt collectors and is a criminal offence!!! My argument is they did not change my address even after I had told them time after time. Is there anything I can do, or if anyone has any advice what I do now. I have set up a new insurance now but its 8 more than my last one!!""

Cancelling car insurance for 5 months?

HI: I just moved to San Antonio for a 6 month project and the company decided to pay for my car rental. I'm thinking about cancelling my own car insurance for the time so I can save some $. Any thoughts on what the cons can be? I don't want to cancel it for months and then have to pay extra to get back in. my car registration is in Dec and I'm from California and I have Geico. Any inputs are appreciated. Thanks! Mike

How can i get a german Health Insurance from outside of germany?

I need to have Health insurance accepted in before i go there. i will be staying there. I cannot find any way to sign up for health insurance from outiside of germany.

Sr-22's in southern California?

I just want to know what carrying one in the state of California does for me. My license was suspended in Chicago for parking tickets, and before I can get it back, I must rectify this. But before I have the 5 grand to do so, my mother mentioned looking into an SR22, citing something about being able to recieve limited driving priviledges. The DMV is closed, and this is bugging me, so I thought I'd ask you guys. I appreciate any help that anyone has to offer.""

Car insurance for 16 year old?

I am 16. Live in Miami, Florida. Drive a Toyota Corolla 1992. I want the insurance that I'll only be paying to cover the repairs of the other car if i get into an accident and not mine. About how much do you think the insurance will cost me? Oh and I plan to pay for the full year in one full payment and not monthly.""

Short term car insurance in US?

I am an Indian Resident and will be travelling to US for a period of 1-2 months. Am getting a good offer on a car rental but the insurance cost is very high (almost $20/day). Is there any way to get short term car insurance in US to cover a rental car for a period of 1-2 Months and pay around $150-$200/Month?

How do insurance companies classify sports cars?

I plan on buying a scion tc, but I want to know if state farm considers this a sports car. and if so, how much will more will insurance cost? I am a teenager, so i know it will be high to begin with, but will having a sports car make it much higher?""

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

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

I don't have liability insurance! My mom drives her car that is insured! Can i drive her car?

I was removed from my parents insurance policy! My mom can drive her car cuz she has insurance. Can i drive her car>?

Health insurance...what does this mean?

My school has an option that states that unless you have health insurance from a ' government sponsored health insurance plan' then you have to go with the school's health plan.......which is so expensive. So what are the 'government sponsored health insurance plans?

""Where can I find affordable health insurance in the Neosho, MO. area?""

Where can I find affordable health insurance in the Neosho, MO. area?""

What would the annual insurance cost range look like for a Benz C63 AMG?

Would the cost be greater just because of the model? Say I upgraded a C300 so it reached the base price of a C63 - would this increase the cost of insurance? Or is it based solely on the model? So if I upgraded the C63 so the value bumped up 20k, would my insurance become more expensive? I am new to all this, and want to get an idea of these things for the future. Thanks.""

How can I get cheap car insurance when I'm 17?

Soon I will be 17 and I want to get a car, and I have to insure it. I'm looking at a Vauxhall Corsa as I have read on a couple of websites that the insurance should be quite cheap, around 1500, but when I go on various insurance comparison websites, the cheapest quote I have got has been 4500!? I can't afford this, so could someone tell me how I can reduce this? I don't care about the cover, I just want to be on the road legally. Thank you.""

How much will my insurance go up from a honda oddessey to a bmw x3?

How much will my insurance go up from a honda oddessey to a bmw x3?

Rise in car insurance?

Im 18, female and passed my test a month ago. Last month Quinn Direct quoted me for 1400. I got my car today and went to get a car insurance quote and its went up to 2700 with the exact same details!! Any idea why this is?""

Insurance cost for Corvette?

Hey I'm 16 and have quite a bit of money saved for a car so im gonna get a decent one nd i was thinking a corvette. I was wondering about (I know no one knows exactly) how much the insurance is going to be on like a 00 or 01 model. Also if you know insurance cost of a 350z too that would be great. Thanks for the help

""Classic Car Insurance, 17 years old, unlimited miles?

Im 17 and have a classic vehicle (1986) are there any insurance companies that has a classic insurance plan for a 17 year old with unlimited miles? I live in New York

Use my insurance to pay for high repair costs?

My vehicle was vandalized and due to that I have Many scratches and dents to the sides of the car. My insurance estimate 2100$ worth of repairs in which I pay 300$. Initially the representative told me that my insurance would not go up monthly because I don't have a.bad history of claims n the incident was not my fault. But that was before they appraised the car so now they would have to give me 1800$ and im.not sure whether I should go through the insurance or not I don't want to affect my monthly payments. Any suggestions?

Can I get car insurance if I only have my G1.?

I currently have my G1, and have passed a driver training Program and have a couple months left untill I can take my G2 road test. I recently had a car given to me and it is in my name sitting in my driveway, so is it possible to get insurance and be able to drive while having somebody in the car with me with the experience needed? Has anyone done this before does it work can I do it? ...Thank you for the help.""

insurance quotes for new cdl drivers

insurance quotes for new cdl drivers

Insurance costs on 350z & g35?

Prices just on average? In Texas. 16 year old girl. How much does color matter? What are the different prices for blue, black, silver, & white? How much does the z and Infiniti coupe differ? Please don't tell me to choose different cars..I'm asking for insurance price, not your opinion""

Can i drive any car with insurance?

Alright I asked a question earlier and i didnt provide enough information Im 16 and my dad just got me insurance on our car, a toyota camry. He said that i can drive any other car as long as i have the insurance card of the camry, i have my 'own' car (acura) that i dont know that i can drive or not that is under my dads name.. but that car isnt under our policy. is it true that i can drive the acura with my camry's insurance?""

What insurance plan is most affordable and supports therapy?

Hi, I've been seeking good therapy since I was 17, I'm just wondering, what insurance plan is the most affordable as well as obviously covers therapy? Thank you""

Would a 2-door car be more expensive to insure than a 4-door?

I believe 2-door cars are usually considered sports cars, in turn, making them riskier to drive and costing more to insure them. But what if it was a 4-door car that was a sports car? Specifically the Dodge SRT-4. It's a 4-door car, but it's made to be fast. Would this cost the same, or less than the 2-door? This is all assuming the cars are of the same year and everything. 2-door = Dodge Neon coupe 4-door = Dodge SRT-4""

How much will insurance cost for a 17 year old in london riding a 125 motorbike ? (around)?

How much will insurance cost for a 17 year old in london riding a 125 motorbike ? (around)?

Car insurance + 3 points?

heya ok to cut a long story short i got pulled ove by the police the other weekr and i had a really worn out tire on my car.. i got 3 points for it and now 2 weeks later it my insurance renewal i know i have to tell them about the points and thats fine but this is where it gets slightly interesting, my renewal with no points would cost 790 for the year but if i tell them about the points i think it goes up to 1100 so i looked about online i added the points in the quotes and everywere is about 1300 so i was messing about with the insurance options and i changed the price of my car value from 400 to 3000 and i got a quote for 770 i couldnt believe it so i checked over all the details and they are all correct apart from the value of my car so my question is... does it really matter that i put 3000 as the value?""

""Ex has name on log book for car but i own it, it was put in their name for cheaper insurance, but now i want ?

The car back can I just take it

Premium return life insurance?

What is the big bennefit of premium return life insurance policies?

Do you think i could get a used car and insurance with under $3k?

i really need a car to get around, i have full time job, n part-time student. It's getting to my nerves that whenever i need to go somewhere, i have to ask my brother or sister to take me. Yes i am a student 18 yo, i don't have much money, and my parents refuse to buy me a car, reason because my mom said insurance is too expensive, and she doesn't give a shitt about me. Do you think i could get it anywhere? i was thinking about buying the car 1st then insurance later on because i can't afford it. idk what should i do?""

Car insurance????? ?????????

ok i turn 17 very shortly and want a peugeot 106 diesel(which is a 1.5) it is insurance group 3 and good mpg, but would it cost much for me to insure and could i get an insurance quote from a insurance brokers at 16 without owning the car first? i hope it won't cost much but one off my mates has the peugeot 106 gti quicksilver and that's a 1.1 and his insurance is 2500 while another mate has a corsa 1.1 3 door fully mod with subs,amps,alloys head unit all covered 3rd party fire and theft at 880 a year so surely a diesel 1.5 shouldn't cost much? right.lol""

Why is my car insurance so high?

I have full coverage insurance on my 2005 Honda civic and I am paying a little over $850 every six months. Every quote I get isn't much better. Why is it so expensive? My insurance lady says that it's because I am a young driver with a newer car. But my YOUNGER sister has a car 2 years newer than mine and she pays about $350 less every six months. I have no tickets on my record. I did have my license suspended about 5 years ago. Why is it so expensive and how can I get it down? I can't afford this sh* t. Thank you!

Which life insurance companies deny the most claims?

im shopping for life insurrance but I dont know which one to choose. I was going to try globe life because its cheap...but i heard they deny a lot of claims. which is the best company...hopefully one that can send someone to your house to talk to you and doesnt cost a fortune. i live in Chicago...thxs

Should I wait until I am 25 or 26 to start driving a car again? Is it true about Insurance costs? Please read?

Hello, I am 21 and in college. I am in Northeast Illinois. I have not driven a car since I was 17. This is because I did miserably in driver education. I passed the classroom, so technically I passed driver ed, but the driving I failed miserably. My parents won't let me be behind the wheel of their cars again. I talked with a friend of mine recently and she said that the cost of driving insurance in Illinois is dramatically less when a driver turns 25 or 26. I am thinking that maybe I should start driving again at age 25 or 26 so I can keep costs down (especially in a nasty economy like this country has right now). Now, here's the other thing, my dad has cancer (leukemia), he's the one who gives me rides to places, my mom doesn't want to give me rides because she is still angry at me for what I did when I was 17. She said to me You're not driving again, ever. You lied to me. You disobeyed our orders and was arrogant. You're done. I don't care about your behaviors anymore Yeah, she hasn't changed since what I did at age 17. My dad has a had time walking, sitting, standing, etc. He has mentioned a couple of times Its not a bad idea that maybe you should think about driving again, you will have to drive some time, son Then I think about the insurance cost and how much of a hassel it would be. So, should I do it? Should I wait until I am 25 or 26 to start driving again? Should I wait longer? It seems like my mom won't forgive me and my dad has this cancer making it hard on him. I don't know what to do. Thanks""

Will my gf's car be taken away if I don't have any car insurance but I have my driver's lisence?

I am a young adult and I recently obtained my Driver's License last year on the day before Thanksgiving. After that, I have been driving my gf's car and was wondering what ...show more""

Cheapest auto insurance?

im shopping for auto insurance and i want to know which is the best and cheapest for a 18 year old driving a 1997 ford escort

Does your driving test score affect your insurance rates?

Some people are telling me that the higher the score you get on your driving test, the lower your insurance will be. For example, if you score 80 points compared to someone how scores 100 (full points), the person with 100 points will have lower insurance costs. I just wanted to know if this is true or not, and if it is true how much does 1 point affect your insurance?""

Insurance: Can i??????

Can i start my own insurance company and insure my own car and thats it?

How do you know if you qualify for Medicaid?

How much do you have to make be eligible for your baby to be placed in the Medicaid Insurance when born? And, is it easy to get or is there usually a long wait or anything? Thanks :)""

Car insurance for a 16 year old?

What would an estimated car insurance amount be for a 16 year olds first car being a 2000 BMW 323 i?

A good place 2 get cheap car insurance?

A good place 2 get cheap car insurance?

Insurance question??

Could i have a vehicle put in my name (because i make the payments).And the insurance in my girlfriends name (because its cheaper) in the state of ky?

Do i have to keep paying insurance on a scrapped car? My insurance runs out in August.?

I am planning to scrap my car next week but my insurance runs out in August. Am I legally expected to continue paying for it or can i cancel it?

Should I insure my house for what i would sell it for??why or why not?

This is my first home and not my last. I have a mortgage of 90k, the house is appraised for 125k.If my house were to burn down i would not rebuild it. Would an insurance policy of 125k sound about right? 90kish to pay back the loan and my equity of 35kish.Plus now I own an empty building lot that I can sell ? I know some money will be withheld for demolishing etc.... I m trying to save some money on my current insurance policy that is a replacement value 227k. Should I change my coverage to the price i would sell it for 125k?""

What are some healthcare insurances available for 63 yrs old?

My mom is looking for healthcare insurance.

Oklahoma data bank life insurance search?

Search for deceased relative who may have insurance in Oklahoma

insurance quotes for new cdl drivers

insurance quotes for new cdl drivers

Help me with car insurance quotes?

Ive been doing quite alot of online quotes with comparison websites lately and I have noticed some of the insurers with the cheapest prices have disappeared... is this because I have done this loads of times? Or am I blacklisted. Im just worried as my insurance this year was 2300 and I will not be able to afford that again! It is only this high due the age of being 19. And also I have tried to go onto elepahant, admiral and even diamond to do quotes on there websites but i got a message appear saying I had to ring them as they were unable to do a quote for me online""

I want to put my niece on my car insurance?

i drive a 2001 puegoet 206 and want to include my 17 year old niece on the policy.she has a provisional licience.does anyone know what this will cost approximately

How much should i plan on spending on my car insurance for a 3rd offense DWI? Please refrain from ridicule...?

I know i will have to get an Interlock device which ranges from $50-$100 a month. i am wondering how much I will be paying monthly for car insurance. Liability only. And if anyone happens to know, what company do you think will offer the best pricing? Thank you for your understanding...""

Where can I find affordable dental insurance?

I am 24 years old, full time student with no job. I am need of dental work ASAP. They are trying to charge me over $2,000 for extracting 4 wisdom teeth and i cannot afford it.""

How much does a limo insurance cost?

im saving 33,480 dollars to buy an 04 limo""

Who has cheapest car insurance in florida?

Who has cheapest car insurance in florida?

Car insurance payment?

I would like to get the car insurance for my used car, and it is my first car. If I buy the insurance for 6 months, should I pay all the 6 months insurance at one time, or pay month by month? Thanks.""

Life Insurance company inactive and I have a policy?

Federal Life and Casualty in Battle Creek, MI is now inactive. My dad had a 5k life insurance policy and has passed on. He has a fully paid policy on file. Is this a situation where the family is out of luck?""

Does my Company car insurance cover me to drive other insured cars 3rd Party?

im insured fully comp to drive my company car, so because i am fully comp does this mean that i am insured to drive 3rd Party any other car that is also insured Fully Comp?(not in the company)""

Health Insurance?

Does anyone know of a good resource for obtaining cheap health insurance and information?

Mitsubishi evo 8 or mr car payments and insurance info?

if you have any of these two cars, how much is your monthly car payment? how much you pay for insurance. I'm planning to ge one but these two payments may not let me get it. I'd like to see if i can afford it. please give me some good answers. Thankyou""

CAR INSURANCE?!?!?!?!?!?!?

well my older brother is going to go on my dads insurance on his own car. It comes to 100 a month. i was wondering if i can also go on the insurance, and if it would cost any more for me to do so. And please say if there is any other policy i an go o where me and my brother can go onto my fathers insruance.""

My girlfriend battles with sever depression. anyone know of free health insurance?

long history together. she has admitted to feeling very depressed and loosing the drive to do things she typically loves to do... however, she has no health insurance and she doesn't know who to turn to. any solutions? Southern California residents. in orange county/la area.""

50cc Scooter Insurance?

I'm 16 and I'm going to buy a Keeway Hurricane 50. The cheapest quote I got was 600, the scooter is only going to cost me 750, I live in a quiet area and it's in a locked secure garage, why is the the quote so much? I don't want advice that tells me not to buy one, I just want to know why.""

Will my insurance rates raise?

its been a little over 4 months since ive had my at fault accident and my insurance hasnt gone up.I have allstate and the accident forgiveness doesnt apply to california yet,so will they ever raise my rates or is it just going to stay the same?""

What is the best insurance company to work for?

I'm looking to get in an insurance career but not sure which one is good to work for or knowing if I should go for auto or life insurance. Is auto better to work then life? which one does have traing or free class training? thanks

California unemployment insurance?

Can I still receive unemployment benefits if I return to school? I know you have to be available to work full time. What if I don't tell them I'm going back to school? I know they have job training but I'd like to go to a fully accredited school. Please help. Thank you

What is the best car insurance?

I need to get insurance on my new car but don't know what company is the best insurance to get it from. I need full coverage as the car is being financed not owned yet. I currently have Geico but I think their rates are too high, but they are a pretty good insurance from what I hear. What do you have? Do you like them?""

Car insurance for another person?

Hey guys, so I'm gonna get a car soon. I turned 18 back in January. My mom is going to buy me a car soon, but only if the insurance isn't that high. So, seeing as I really want the car I have in mind, I need to know some things about car insurance. My mom has gotten into an accident before also, plus the car in mind is a sports car. A Nissan 350z to be exact. So my question is, can I get insurance for that car even though it's under her name? I've never gotten into an accident before, and plan to get my license soon. Thanks!""

How much is the Tax penalty for not having insurance?

I lost my insurance because I didn't have enough hours. I missed open enrollment last fall and not eligible again until October 31. I heard Obama care is expensive. I also have two jobs and make around 30,000 gross pay with both jobs combined. Is the 100 a monthly penalty or a yearly penalty. Is their anyway to get around open enrollment. Maybe my Union can help?""

Which camera insurance?

Ive recently aquired a Nikon D90 camera with an 18-105 VR lens however i want to get specialist camera insurance in the case of an incident. I have looked at photoguard however the reviews have put me off for life! I am now looking at 'Glover and Howe' amateur photography insurance which will insure my kit against accidental damage, accidental loss and theft for just 28 a year! has anyone had any experience with 'Glover and Howe' or can recommend any cheap but good camera insurers? Cheers for any help :)""

How to get a good quote for my car insurance?

basically, i've got 1 year no claims with direct line car insurance for the past year( only 1 year driving experience). i was paying 85 for fully comprehensive, and was 24years old when applied for the insurance. i just received a letter from direct line for my renewal, and now it's gone up to 109. i was wondering what might cause it to increase, and if now am over 25years should i really inform them (if it's gonna make a difference). is it advisable to switch to another company for maybe cheaper deals?! p.s i have a vauxhall calibra year 1995""

Will my car insurance rate rise if someone on my policy gets in an accident?

If I add someone onto my car insurance policy and that person gets in an accident, will my rate climb. If it does can I remove that person from my policy to keep my rate the same.""

Insurance quote for a vehicle?

hey i just want to know the 5 important factors they consider when giving an insurance quote and an example of an insurance quote?

Is supersmartsmile insurance good?

I'm in pretty bad need of some dental care. I am looking for a good dental insurance company to go with for a year. An supersmartsmile is in the perfect price range for my low income self. Please help me here anyone with this insurance. Thanks.

insurance quotes for new cdl drivers

insurance quotes for new cdl drivers

https://www.linkedin.com/pulse/how-much-my-insurance-cost-steven-garcia/"

[fancycollectionfury-blog1]

Why did Iibs stop concerning themselves about the 40 million or so [still] uninsured that they claimed was the need for Obamacare?

"Why did Iibs stop concerning themselves about the 40 million or so [still] uninsured that they claimed was the need for Obamacare?

Why did Iibs stop concerning themselves about the 40 million or so [still] uninsured that they claimed was the need for Obamacare?

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

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Why is it cheaper to have an additional driver on insurance when a new driver?

why is it cheaper to add my dad onto my insurance once i have passed my test? and my mum is worried about who gets the no claims bonus? i think it would be me as i am the main driver of the car and he is just an additional driver, although he will never actually drive the car?""

Where can i check to see if my medical insurance is active?

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

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When I turn 17 will my car insurance or any kind of insurance rate decrease?

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Car insurance?

If i have bought a car but but the car is not insured, then can someone else who is fully comp drive my car?""

""I want to trade my car in. I have no GAP Insurance, where can I get it?

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Why did Iibs stop concerning themselves about the 40 million or so [still] uninsured that they claimed was the need for Obamacare?

Why did Iibs stop concerning themselves about the 40 million or so [still] uninsured that they claimed was the need for Obamacare?

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Why did Iibs stop concerning themselves about the 40 million or so [still] uninsured that they claimed was the need for Obamacare?

Why did Iibs stop concerning themselves about the 40 million or so [still] uninsured that they claimed was the need for Obamacare?

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Where can i find cheap car insurance for young drivers?

Where can i find cheap car insurance for young drivers?

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Maternity related services considered inpatient for insurance?

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Health insurance for college students?

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Why is it important that all Americans have health insurance?

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Comprehensive car insurance?

my girlfriend and i both have comprehinsive car insurance on our seperate cars... does this allow us to drive each others cars too? i dont know if theres an age limit to it? im 21 shes 19 thanks anthony

I need a form for allstate car insurance good student discount?

I need a form for allstate car insurance good student discount?

Can I claim for mechanical faults on my fully comp car insurance?

My car set on fire whilst I was driving it & as a result is a write off. My insurer is refusing to pay up as they claim its a mechanical fault. Is there anything I can do? Please help.

Car Insurance Issue's? HELPPP!?

I lost my job so I couldn't pay my car insurance for about 3 months. Then it got expired my license also got suspended because of no car insurance:/. But right now I'm back on my feet and I want to get my license reinstated and get car insurance again. I want to know how can I do that? And do I have to pay the amount I owed back to my other car insurance company or can I go to another and not pay them back? PLEASE HELP ME!

Auto Insurance?

I live in California and I got an Insurnace quote for a new car from a Insurence company that is out of state. Is there a difference between buy a out of state insurance policy vs. a policy from a compnay in cali?

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

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Permanent Life Insurance - Why?

I am 32 (married, 1 daughter) and am looking to have about 700,000 in life insurance. I can get most of this insurance in a 30 yr Term Insurance at a good rate. My question is: within 30 yrs, my kids will have finished college and moved out. If so, would my Term Insurance suffice or should I look at getting some Permanent Life Insurance? Why would I need permanent life insurance? I read on the internet that Permanent Life Insurance is used for burial costs and to pass money on to my heirs. What if I can accomplish both of those through just my personal finances? So my question is: why would one ever consider permanent life insurance""

Why does Obama want my health insurance to cost less?

This is wrong. If I work 2 jobs and I get cancer I should be allowed to go into bankruptcy from the medical bills. That's why I support Ted Cruz and Rick Santorum to actually lead this great nation out of affordable socialist health care and into more defense spending. Our brave patriotic men and women overseas deserve more advanced weaponry.

Will my car insurance go up if I take it off my parents?

If i take my car off my parents insurance and pay for it on my own will the rates go up?

What is the cheapest insurance around for a 20 year old with 2001 bonneville?

What is the cheapest insurance around for a 20 year old with 2001 bonneville?

If i get my medical card in california will my parents see it since they pay for insurance?

I am about to get my card and i was wondering if my parents will see it, since they still pay for my insurance.""

Best insurance for young drivers [UK]?

I already said the comparison websites don't seem to give great quotes. And i also said i want third party fire and theft.. so i don't understand your answer :s

Why did Iibs stop concerning themselves about the 40 million or so [still] uninsured that they claimed was the need for Obamacare?

Why did Iibs stop concerning themselves about the 40 million or so [still] uninsured that they claimed was the need for Obamacare?

Where can i find cheap car insurance for a 17 year old male?

Its really starting to get on my nervse that i can not find any cheap insurance anywhere! Why do insurance companies in the UK want to make life so hard for young drivers? Yeah stasticaly the majority of us crash our cars. But why should the small majority of young drivers like my self have to pay the price and live with this stereotype by paying RIDICULOUS amounts of money?

""If I get a car registered to me, can I still be on my parents insurance?""

does it make sense,like I want the title to it, but still want to be on their insurance. It wouldn't seem like my car if they had both the tittle and insurance with me as a secondary driver!""

What is the best dogs health insurance?

i have a few dogs, and need health insurance for them.""

Should I buy Home Owners Insurance or Renters Insurance?

I am buying a home on a land contract. Should I get home owners or renters? Also if I carry the insurance does the owner have to carry a policy too?

Cheaper auto insurance. Paying like 1500 a year for insurance right now for 2007 civic?

I have amica and not the lowest rate possible by them I know but interested in looking around. I'm 25. Just graduated from college not long ago. live in ny. have a 2007 lx civic. Any insurance companies you recommend for a cheap rate. Have a clean driving history. thanks

Can employer force health insurance on me?

I currently have and paid for my own health insurance. I recently got a new job and was told that I had to elect to participate in one of my employer's health insurance plans. I politely told them that I had my own health insurance and wish to opt out of the employer's plan options. My employer told me I had to elect, participate, and pay. Can they make me do this?""

Do Cops get free car insurance?

As part of one of their benefits? Just curious..

Auto Insurance Question?

I am a new driver and I just received my G2 a couple of moths ago. I am trying to get auto insurance at a cheep rate. I tried to add my name to my dads insurance (Johnson insurance) and their quote was 120 per month which seems a but excessive as I am only a casual driver. I was just looking for some advice and wondering if I should pay 120 per month or try elsewhere or try to barging with them Thanks a lot for any help

Who has the Cheapest libility Car Insurance in Chicago?

I want some libility Insurance under $50.dollars, not over $49dollars.""

Well for my first car what should it be? thats affordable and wont kill me in insurance.?

I love mustangs as i said before in my last question and i would like to know any suggestions to get other than that (that's a sporty stylish car) with leather seats and tiny (something like a mustang).

Cheap insurance?

cheap insurance

What solutions would make health care treatment instead of health care insurance more affordable?

considering out of pocket expenses? and would this be a conservative approach to the health care issue?

Does car insurance really go down at age 25?? how much?

How much does car insurance go down when a person turns 25? How much can I expect mine to go down? I am a woman now paying 82 a month. I have nothing on my record, no tickets, accidents, claims in my life (8 years since 16)""

What car insurance company would u recommend that is the cheapest and bettest?? :)?

What car insurance company would u recommend that is the cheapest and bettest?? :)?

How much are you paying car insurance NJ?

I just want to know, please answer with how much, every 6 months? age? and any driving history? My mom and I are paying 2000$ 6 months, both of us have had unsafe operation in our driving records. does that sound reasonable to you? I'm really new to this car insurance and trying to know. thanks""

Looking for a car with free insurance.......?

My brother has just passed his driving test and I am trying to help him get a new car but keep the costs down. He is 23 and I was wondering if anyone new of any deals that are on at the moment. He lives in Glasgow if that's any help. Thanks everyone Kevin

Home owners insurance help?

I need new home insurance but I have bad credit what can I do?

What is the cheapest car insurance in southern california?

im 17 and a half, with C average grades. just started driving, what is the cheapest car insurance?""

Health insurance in Texas for low income families?

My dad recently lost his job, but has an existing medical condition, an ex-wife, and 5 kids to support. I don't know much about the health insurance options in Texas, but I'm looking for a program that will allow my family to be insured for cheap... something like Arizona's AHCCCS health insurance for low income people""

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

(in australia)

What value does insurance companies go by to determine if car is totaled or not?

I have 2001 honda civic ex with 140,600 miles on it. I recently wrecked it and the body work, paint, and labor is coming up to $3900. There is some work under the hood that needs to be done, but I was told to get a seperate estimate for that and contact the insurance company. How much does the repairs have to amount to before the car is considered totaled???""

I need cheap car insurance?

I am a 18 year old female and i have some violations against me such as speeding, driving with a suspended license and failure to yield ticket. My parents won't put me on there insurance so i need to find my own but they are all wayyy to expensive so far, anyone got any ideas? please""

Proof of insurance question?

The transmission went out of my car. A friend who does auto repair told me it would cost approx $1200 to fix. So I decided to scrap the car & get another. I cancelled insurance on old one & bought another 1 1/2 months later. The car was not driveable. Now I have to prove why I didn't have ins on the car and still had plates registered to it. I called & wrote a letter to the state and they said to send an estimate from an ASE cert. mechanic or tow bill or pictures. I don't have a tow bill. I didn't get out of the driveway. I don't need an ASE mechanic to tell me what is wrong w/the car and picutres of a transmission are stupid. I have received a written est from the guy and have statements from neighbors saying the car was not running. What more can I do?????? I don't want my license suspended.

Would my insurance still pay for this?

My car got hit the other day and I got an estimate for it. It'll cost $500 and it's just a long scratch. If I tried touching it up with car paint and whatever and it comes out looking like sh*t will the body shop still do it's work or would I have to pay for it since I messed with it?

An affordable car to purchase with cheapest insurance for a 17 y/o?

Hey, I'm 17 and looking to purchase my first car. Of course, insurance is a big issue for me. I was wondering what car would be a good buy where insurance wouldstill be cheap? I'm looking at spending around 500 for a second hand car, so all these new electric economic cars which cost thousands that google keep bringing up are too miuch for me. I heard about ford KA's, Nissan Micra's, Renault Clio's and Vauxhall Corsa's being good, however, when I look on insurance websites there's about 50 versions of each car with different engines, doors, years etc, and I don't have the slightest clue which version of the car would be the cheapest, other than having a smaller engine. I was wondering if anybody could provide me with the make and models of the cars which are the cheapest to insure, but are still well priced and can be picked up easily second hand. Thanks""

Why did Iibs stop concerning themselves about the 40 million or so [still] uninsured that they claimed was the need for Obamacare?

Why did Iibs stop concerning themselves about the 40 million or so [still] uninsured that they claimed was the need for Obamacare?

https://www.linkedin.com/pulse/do-you-sell-car-insurance-please-look-joshua-murray/"

[lovenerdywinnerbouquetfan-blog]

Pittsburgh Pennsylvania Cheap car insurance quotes zip 15232

"Pittsburgh Pennsylvania Cheap car insurance quotes zip 15232

Pittsburgh Pennsylvania Cheap car insurance quotes zip 15232

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

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Getting out of a speeding ticket for insurance purposes?

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Are you in favor of getting rid of health insurance for people with pre-existing conditions?

Pittsburgh Pennsylvania Cheap car insurance quotes zip 15232

Pittsburgh Pennsylvania Cheap car insurance quotes zip 15232

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Pittsburgh Pennsylvania Cheap car insurance quotes zip 15232

Pittsburgh Pennsylvania Cheap car insurance quotes zip 15232

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What is the cheapest car insurance?

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?

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I pay my car insurance every month as a direct debit out of my bank account. My policy actually expires in March each year and I'm sent a renewal letter saying that if I wish to continue with my policy I just need to keep paying it monthly as I always have. Then come July my car was total written off. According to the insurance compay I still need to pay for a full years insurance, that is I need to pay all the insurance premiums up until March next year as this is when the policy expires. I figure if I don't have the car any more as it's a write off, and I'm able to cancelled the rego on it, why should I have to pay. I would have thought that if I'd paid a full years insurance in March that I would be entitled to a refund if my car was written off part way through the year. Any help would be appreciated.""

Good Student Discount Auto Insurance?

I have a 3.6 GPA. My grade is A average, but one of my quarter grade was a C, but the final semester came out as a B. Well, anyways, do we just send them the report card that we got or do we have to get the sealed one from school? Thanks! Thanks again!""

What is the cheapest insurance for a 17 year old?

Im planning on moving out soon and want to get started, the kind of car im going to get is either a ford mustang or a dodge charger 05' and i was wonderin if anyone knew the cheapest insurance there is. Thanks much!""

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for a 25 year old

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What is the penalty for misrepresentation of information for auto insurance? Does the insured get sued by the car insurance company? Would that stop the insured form getting car insurance later on? Can that result in insurance fraud and if so...What happens then? this is serious so if you do not know the answer, doe not answer. no time for jokes.""

Cheap car insurance for 17 year olds?

I know this is probably one of the most asked questions on the here, but for me it is a real pain finding any decent answers... Id be very grateful if anyone could list insurers that are relatively cheap for car insurance for us youngsters! (Preferably under 200/month). Thanks in advance! :)""

What is the Average Insurance cost on a Snowmobile?

I was going to buy a 1972 moto ski Snowmobile, And i'm 14 and inexperienced on them.. How much do you Figure the Insurance would cost? (I'm not going to call, you don't need to know why.) And i'm in southern Canada.""

Can you buy multiple life insurance policies?

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

How much does it cost on average to insure your license?

through any insurance company. :) I just want to know how much on average.

What is the average insurance cost for Mopeds/Scooters?

Im 18 and im looking to buy a moped or scooter and im just wondering what I should expect to pay on insurance. 50cc/125cc - 3rd Party. If I was to pay monthly, would 20/month be a reasonable estimate?""

Car insurance help?!?! I need advice!?

I am 20 year old single male in los angeles, california. I just bought a used 1993 toyota corolla for 1500 with financial aid money, after a tune up and some minor repairs I have 300 left in my pocket. I don't have a job, but I was planning on using this car to help me get one asap. I still need to get my car smog tested which will set me back $50 and registered which will put me back $150 leaving me with about 100 left. I don't know what to do at this point, I didn't think it would be this much. If I don't register it within 10 days am I subjective to late fees? I bought this car hoping it would help me get a job. I can barely afford gas. I have no idea what to do. I was told I need to get insurance before I can register my vehicle, which has no plates. (I got the pink slip and all the paper work) My question is what should I do, what insurance is the cheapest. If I don't register it within 10 days will I have to pay late fees? Please help me with any solutions. If I could register it next month it will save me so much grief. Is there anything I can do to make my situation easily until I find a job?""

""If I report an auto insurance claim under my comprehensive, does it count against me?

Not sure whether to report an damage to my vehicle. I estimate the cost to be about $ 500.00 +. My deductable is $ 500.00. Any info will help :)

Pittsburgh Pennsylvania Cheap car insurance quotes zip 15232

Pittsburgh Pennsylvania Cheap car insurance quotes zip 15232

How much would a insurance cost for a 2013 Mercedes c300?

Around how much a year

How much does an office visit to the doctor typically cost when you are pregnant without insurance?

How much does an office visit to the doctor typically cost when you are pregnant without insurance?

Where do I get cheap car insurance in california?

Where do I get cheap car insurance in california?

Can anyone recommend a motorcycle insurance company in the UK?

My son is 20 and trying to get reasonable quotes which don't cost more than the value of the bike is driving me nuts. I've tried all the comparison sites but what I want to know is which companies are worth bothering with. I've been on some review websites and looked up the companies which come up with the cheapest quotes and a lot of the reviews call them rip off merchants and say not to touch them. I want to hear from someone who's actually had to make a claim and been satisfied with the service.

What is the cheapest price university in California to study Power Plants for international student?

I'm holding Diploma certificate in Airframe and Power plants, i need to continue my study in US, CAL exactly but i didn't find the perfect university i need a low price university which i can get bachelor degree in it so i need a help please as soon as possible to get start soon.""

Which car would have higher insurance premiums?

I'm trying to figure out what car i want for my 16th birthday.. I've absolutely fell in love with the subaru wrx hatchback. the only thing im worried about is the fact that the insurance rates Might be high. i also like the mazda speed 3 and i was wondering which would be more expensive insurance wise. Also what you think about them being first vehicles. and please no<, you should get a POS for a first vehicle... Thanks in advance!!""

Can you get seperate car insurance in the UK?

When I pass my driving test, I will be sharing my mums car and then going away for a year to work on a cruise ship. Is it possible to not be put on her insurance, and get a complete different insurance for me so I can build up some no claims years?""

Car Insurance question?

I live on a very busy side street where there is more cars owned by people that live on the street than there is parking spaces for these cars. I am just wondering if i have to park my car on the road around the corner fron where i live is the insurance still vaild if it gets stolen, because when i took out the insurance i was asked where is the car kept over night? and i said on the street where i live""

I cant get car insurance because I have bad credit?

please help! I have just passed my driving test and having a problem getting car insurance im 22 and i got bad credit from catalogs loans and overdrawn i dont own anything like a ...show more

Good 125cc motorbike 1000 Low insurance 4 stroke?

I need a good motorbike that is 1000 - 1300 That has LOW INSURANCE (Under 300) That is also 4 stroke and 125cc . I like the look of the sym XS125 k

Whats is the best life insurance policy for me?

I'm 20 years old and I'm married with 2 children. My husband and I are wanting to buy life insurance but our research is confusing. I need the basics and the best option for my family

Car Insurance?

How much does a demerit point affect the insurance in premium outflow? I mean if I get a point how much more would I pay in insurance per month? Also which carrier is the best for point heavy drivers? Thank you

What are some other online auto insurance companies like Esurance?

I am going to buy a new car and I would like to know auto insurance sites like Esurance and any other auto insurance that are cheap.

How's health insurance in london?pls help?

i was diagnosed with some major illness in the US and have no insurance cant afford paying for it.i heard the health insurance is free in london, is it possible to move there for recovery? if so how long would it take me to get accepted as immigrant and fully recovered?""

Ticket for no license and no insurance?

I'm 17 and I got a ticket for not having a license or permit, failure to yield to an emergency vehicle and no insurance in California. How deep will this ticket dig into my pockets? Over $500? Big thanks if you can help me out.""

Why car insurance quote from tesco is 550 whereas competitors quote over 1000 ?

i went through swinton, axa ,norwich union, high performance, churchil, and a couple others. they did not even come close...is this possible? i am a bit suspicious, if that tesco quote is reliable, but they say when i call that i can complete the whole process online and i do enter the same detail as on other websites.""

Cost of insurance for 2nd gen Toyota Mr2?

Would you pay a higher insurance on this car than a normal car? what about a turbo? I got an online insurance quote and it was about $600/year for liability and $1000/year for collision coverage, does this seem like a fair price? I'm almost 19 years old and have a clean drivers record.""

Insurance cost for you?-wondering please help!!!:/?

Ok im 16 1/2applying for insurance for my car. I am outraged at the annual average yearly cosy 1200-2800$. Eeek!:( Whats your opinion on what company I should choose?-and whats the rough cost you pay about monthly/yearly? helpp!

What is the best affordable health insurance plans?

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

Help with insurance for 17 year old first fresh driver?

my quote was 4,200 :( that's too much it more then a car LOL but like i heard something about this policy between two drivers can anyone explain how it works and if i crash on this policy will the other drivers no claim bonus be effected?""

I want to know about car insurance?

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

Where to go to find a house/car insurance quotas!?

I have a project for my economics class, we have to make a family of four budget for a month and we have to like buy a house, a car, food, and lots of other things But with this we have to go into detail and we have to find out the Homeowner/Renter Insurance and Automobile Insurance but I really have NO clue where to go to find this. Is there any website that just gives you the direct quota of how much it will cost you a month? Help me out anyone?""

Auto insurance company that you Do or Don't recommend?

I'm going to be shopping around for better rates soon. I'd like to know names of auto insurance companies that you do or don't like. If you've ever filed a claim with them. How'd they handle it? I live in IL.

I am 18 and need car insurance?

i am moving out of my moms house, me and her havent been getting along at all lately. she isnt letting me take my car so i need to buy my own car and get my own insurance. is it possible for an 18 year old to get their own car insurance policy ? i was told you had to be 25. and if i do buy my own policy, about how much will it be? i have no tickets or violations and it will be an older car, but it will run! and advice at all on moving out and making it work would be much appreciated.""

""If my mom adds me onto her car insurance, about how much would it go up?""

I'm 17 Shes with GEICO Its a Buick Rendezvous SUV (2004) Our zip is 33312 (South florida, if this helps for those answering that may be in my area) I have a clean record B Average in school""

Pittsburgh Pennsylvania Cheap car insurance quotes zip 15232

Pittsburgh Pennsylvania Cheap car insurance quotes zip 15232

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