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themoneybuff-blog · 5 years

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Questions About Checking Accounts, Nintendo Switch, iPods, TSP, and More!

Whats inside? Here are the questions answered in todays reader mailbag, boiled down to summaries of five or fewer words. Click on the number to jump straight down to the question. 1. Great advice for job seekers 2. Old hometown checking account 3. Making your own seasoning mixes 4. Inexpensive Nintendo Switch games 5. Partner has extreme debt 6. TSP contribution questions 7. Uses for old iPod? 8. Job search not that simple 9. Value of authenticating sports cards 10. Financial independence and career plans 11. Advice for selling books 12. True hourly discretionary income question I wanted to offer a little update on my switch to a standing desk for professional purposes. About two weeks ago, I moved my main workstation to a standing desk. The purpose for doing this was to significantly reduce the amount of time I spend sitting in a given day, because sitting for your job all the time has some negative long term health consequences. I did recognize that doing this fully cold turkey is a bad idea, and so I planned from the start to do it in stages. My plan was and still is to use the desk until I felt noticeable discomfort, then switch to a laptop in a chair for a while, then maybe alternate back later in the day. My goal was to simply raise my average time at the standing desk a little each week as I strengthen different muscle groups. After a couple of weeks of doing this, Ive found that the big impact has been on my lower back, with a smaller impact on my feet. Im able to work for about four to five hours a day at the standing desk, with other work time spent sitting in a comfortable chair with a laptop. What generally happens is that my lower back starts to get sore, not in a something is broken way but in a this is a muscle thats getting taxed due to exertion and needs a break way. Ill sit down for a while and itll feel much better. However, its constantly experiencing a low-grade soreness, the kind of soreness that happens when you exercise a muscle group. Theres nothing wrong here if I felt something wrong, I would stop using the standing desk for a while. However, it can be a little uncomfortable. Ive had some very minor foot discomfort, mostly on my heels, but nothing significant and it honestly seems to be fading over the last few days. Its hard to tell yet whether or not the standing desk is improving my health in any notable way. I certainly dont think its been bad, but I havent noticed a big health improvement. I do exercise most days, so thats definitely a positive factor, but its hard to extract the benefits of standing with the other benefits of exercise. I think its very likely that there have been some minor benefits, and I likely would have noticed more if I didnt already exercise. Its all about feeling healthy for as long as possible. On with the questions. Q1: Great advice for job seekers I wanted to share some advice from my own experience as an interviewer [in a large corporate HR department]. The big thing is that you shouldnt be hard on yourself if you interview for a job and dont get it. Often, there is already a candidate that is pre-selected and the interview process is a mere formality. Someone thought you were a good candidate and brought you in, but you didnt actually have a real chance at the job no matter how you interviewed. In fact, you should treat all interviews like that. Dont get stressed about them, because theres a good chance that theres already an anointed candidate. I would say that 75-80% of the time, we already have our minds made up regarding which candidate to hire before the interview process begins and interviews virtually never change our minds. Sometimes we will interview someone great and put them on a list of people to call in the future but almost without fail those people already have a job when we call them back. So please dont be hard on yourself if you dont succeed at an interview! And dont get overly stressed about it because theres a good chance that theres already an anointed candidate anyway. Just go in there and answer the questions and learn about the company and let the chips fall where they may. Alison This is great advice, and in line with some of my own hiring experiences in the past. I have been on all sides of this coin at various points. I have been the anointed candidate in a hiring process. I have also been one of the other candidates in a hiring process (where I knew someone else was anointed for an absolute fact). Ive also been involved with several hirings, some of which had strongly preferred candidates and some of which did not. The thing is, you never really know which kind of situation it is when youre interviewing. It may be a more open position where you actually have a good chance, or it may be a situation where you are one of the other candidates in an open process engineered to bring in the vastly preferred candidate with minimal questions. I think the mantra of dont worry about it is the right one here. Just go in there, answer the questions, ask some questions about the company, and move on and keep looking for the next interview or opportunity. If youre the right candidate, theyll call. Often, you wont be, and it wont be due to a fault of your own. Q2: Old hometown checking account I have left a checking account open at my old hometown bank for the last 20 years. It pays a very small interest rate 0.05%. I have a balance of about $1,200 in there. I have always looked at it as a last ditch emergency fund. If anything seriously goes wrong, Ill go there and use that money. But its just sitting there. Isnt there something better I could be doing with it? Dana I dont think theres anything wrong with having a last ditch emergency fund in a bank thats not easy to access. That idea is fine by me. However, its probably just going to sit there for a long time, so you might want to consider doing something with it that earns a better return. The next time youre in your hometown, stop by that bank and see what other options they have. Simply explain that this is an emergency fund for you and you want it in a place where it earns a little more, doesnt lose value, and could be withdrawn in an emergency but isnt likely to be withdrawn. Its very likely that theyll suggest a certificate of deposit, which is akin to a savings account except that it earns a bit higher interest rate and theres a small penalty for withdrawing it early. It wont take very long at all for the CD to earn more than the penalty for early withdrawal and then, after that, its onwards and upwards. Make sure that the bank allows you to automatically roll over the CD when it matures. Right now, with interest rates a bit higher than they were but still fairly low, Id choose a medium term CD, something in the range of one to two years. That will give you a higher interest rate than a short term CD but wont lock you in to these relatively low historical rates forever. Set it to automatically roll over, then forget about it until that last ditch emergency occurs. Q3: Making your own seasoning mixes Have you ever written an article about making your own seasoning mixes instead of buying mixes at the store? You can buy the component spices and mix them yourself and save a lot of money if you use seasonings a lot. I make an Italian seasoning and a chili seasoning and a toast seasoning myself. Margaret Toast seasoning? Youre going to have to send me that one. I have a bagel seasoning mix that I like to use on buttered toast sometimes I wonder if theyre similar. Although Ive mentioned seasoning mixes before and noted how its cheaper to make your own, I dont think Ive ever written a listing of the various spice mixes we have and how we store them. I store most of my spice mixes in large baby food jars that we still have from when our children were babies. I usually make them by mixing other spices by the teaspoon into a bowl and then stirring them thoroughly so theyre mixed, then I fill up the jar with the spice mix. I use masking tape for labeling. Using a mix is a learning experience. Over time, you start figuring out how much to put in stuff. Our chili mix, for example, usually takes a tablespoon and a half per batch, and a batch fills up our slow cooker about halfway. I could write a full post about this if theres interest, including some of my recipes. Just send me a message on Facebook if youd like to see that. Q4: Inexpensive Nintendo Switch games My husband and I bought our son a Nintendo Switch for Christmas. It is his first video game console and he had been asking for it all year so it was really fun to see him open it. Both sets of grandparents got him a game for it so he has had two games to play. His birthday is coming up soon and we asked him what he wanted and of course he wanted a Switch game. We asked him for a list of the ones he wanted and it has 15 or so games on it. The problem is that they are all $50 or more. Why are Switch games so expensive? Our full birthday gift budget for him is $50. Can you help? Anna This is a consistent challenge with Nintendos consoles, and it has been since the 1980s. Nintendo makes very high quality exclusive titles for their consoles those are usually the ones that wind up filling wish lists for console owners but they rarely go down in price until later in the consoles production cycle and the Switch is a pretty young system. Trust me your son isnt being greedy here. Hes probably listing most of the best games for the console, but they all happen to be expensive ones. I would guess that in a year or two, Nintendo will have a line of some of their top titles from a few years prior as Platinum titles for a much lower price point around $20 but were not there yet. So what can you do now? My recommendation is to visit a video game store that sells used games, like Gamestop, and see what they have available for the Switch thats used. Switch games, as you know, come on small cartridges, so its very easy to test a game to make sure it works you can ask them to test it before you buy. Getting a game used in the original packaging will still cost 50% to 75% of the sticker price and the selection may be a bit limited, but this is probably a fairly safe bet for getting one of the games he wants within your price point. A used Switch game is just as good as a new one in terms of someone focused on actually playing the games, so Id look there. Another approach would be to give him a gift card to the Nintendo eShop. There are a lot of very good downloadable titles for the Switch, and you use those gift cards to buy those downloadable titles. While this wouldnt give him any of the games he specifically wants, it would enable him to get a couple of games at least, and there are some very good games for $9.99 or less on the eShop. Q5: Partner has extreme debt I recently discovered that my bride-to-be (June) has about $140K in student loan debt. She had said that she had some student loans in the past but I did not have any idea how much. I am very uncomfortable with being saddled with that much debt. This has caused a great deal of conflict between us over the last few months and I found this out during the holidays. I am not sure what to do. Daniel The biggest factor Id look at is her day to day behavior right now. Is she a frugal person? Does she watch her nickels and dimes? Is she committed not in words but in actions to getting that debt paid off? Is she making extra payments on that debt? If you see that, then I wouldnt fret about it. On the other hand, if she seems to think that such a big debt isnt a big deal, she spends money frivolously all the time, and she isnt making much progress on that debt I would think very, very carefully about this relationship, because thats a value mismatch thats going to chafe for years and years. Beyond that, I would also consider what kind of field that her degree is in. Was the degree she earned in a field with a high income potential, or was it something that will never earn a substantial income? Also, Id look at other factors, like whether or not parental support was promised and then denied. If shes aiming for a high paying career, such as medicine or law or some types of engineering, I wouldnt worry too much about it. If she took out that much debt for a career path that has a very low likelihood of earning a high salary, I would be really concerned. I would also be concerned with that level of debt if there was also significant financial support from her parents where did all of that money go? The challenge with marriage is that you are financially tied to each other in a very deep way and her choices regarding the debt she took out for her education are indicative of the decision making process she will likely employ going forward except now youll be financially liable for them. Having that much debt unless you are both high income earners will significantly affect your life decisions for a very long time, likely for the rest of your life. It will delay your ability to have children that you can support financially, for starters. It will alter both of your career choices and possibilities. It will delay your ability to have a home of your own. I guess, in this situation, what I would really look for are signs of financial maturity beyond that of the student loans. Is she focused on repaying that debt with or without you? Is she making the most of her degree? Does she spend frivolously? I cant answer for you whether this woman is worth it to you. She may be perfect for you in every other way, in which case youll be happier with her. However, having that much student loan debt, and given the alarm bells it sets off in your head, is a sign of likely incompatibility over financial issues, and thats not a recipe for a great marriage. As always, conversation is key, as is paying attention to her actions. What kind of steps is she taking (not just talking about, but taking) in her life knowing that huge debt is sitting there? If youre struggling to answer that and this debt makes you this uncomfortable, this may not be the best situation for you. Q6: TSP contribution questions I am 36 years old, single, no children, no plans to ever marry. I just got a government job that I hope to keep for the rest of my life. Knowing that I am receiving FERS and Social Security already in retirement, how much should I contribute to my TSP to be able to have a comfortable retirement?Want to retire at 65 and have about the same amount of disposable income when I retire. Janine For those unfamiliar, FERS is the pension plan for US federal government employees. TSP is an optional 401(k)-like plan for additional retirement savings. Based on this, FERS should provide about 33% of your final salary when you retire. Social Security, depending on your income level, will provide somewhere around 30% of your income. That means you need to make up about 37% of your income from TSP. If you contribute 5% of your salary to TSP, the federal government matches another 4%. Above that, theres no matching. Given all of that information, I ran some back of the envelope calculations and conclude that given your age and your aim to retire at age 65 with your full salary intact from your various retirement sources and that you want to be able to draw from TSP for the rest of your life, you should contribute 15% of your salary to TSP. This should enable you to withdraw enough from TSP each year to make up your salary shortfall when you retire at age 65 and the TSP balance should last for the rest of your life. Youll want to invest TSP fairly aggressively the target retirement options should work. While I cant guarantee that 15% will get you there, I can certainly say that it is extremely likely that it will either get you there or get you very close to your goal. Q7: Uses for old iPod? Found an old iPod in a desk drawer along with charging cable. Is there any use for this or should I just junk it? I powered it up and it turns on just fine. Adam I dont own an original iPod (I had one way back in the day but I sold it off circa 2007-2008), but a friend of mine keeps one in her car and listens to music with it every day using a cassette tape adapter. You could do the same thing with an auxiliary cable if your car has an AUX port. Just load it up with mp3s of a bunch of music and/or podcasts that you like, keep it in your car, and listen to it during commutes. If you have a charger that hooks into the cigarette lighting receptacle in your car, then you can plug into that and keep it permanently charged. My friend has hundreds of albums that she loved in her teens and twenties. If you like alternative or indie rock from about 1990 to about 2007, theres a good chance youll find a ton to love on her iPod. Just fill yours up to the brim with stuff you like and youll always have something to listen to. You can fill it up with the full archives of a podcast and listen to the entire run of a podcast, too. Old iPods are great for these kinds of things. In other words, use it for what it was intended for. Load it up with audio. Q8: Job search not that simple While I appreciate your regular encouragement to go find a new job if your current one is sapping you, its not always that simple. I have been working as a legacy systems programmer for the same company for 16 years. Most of my day is maintaining old code, migrating it to new machines, and dealing with corporate [nonsense]. I literally hate going into work each day. There arent any available jobs nearby that match my skill set. Trust me, Ive looked. I cant move because my daughter has particular health care needs and needs to be near a top notch medical facility. That also means I need good insurance. I cant just go into work and say, Well, time to find a new job today! Thats just a pipe dream. Terry All right, so what jobs are available in your area that are close to your skill set? Youre obviously in a metro area of some kind. I guarantee there are programming jobs in that area. Whats actually available? What things are most similar to your skillset? Once you know that, start honing your skillset at work so that you can make that leap. Learn how to write tools that will help you with the legacy coding you already do. Start trying to port your legacy code over to a new language for modern systems during your downtime. Use this as an opportunity to learn new languages and paradigms. Get involved with any and all local software development groups. Try to go to their face to face meetings and get heavily involved in any online spaces they have, being as helpful as you possibly can there. Build up some good relationships in your field, then just casually ask about positions that match your refurbished skill set. Also, keep your resume honed on LinkedIn so you can be discovered by people who might be looking for folks in your area. Dont aim for hopelessness. Aim for a light at the end of the tunnel. You can do this at any job. I had a job where I was literally shoveling dirt for hours and hours during the middle of the night by myself and yet I found ways to aim that toward my next step. Q9: Value of authenticating sports cards I have a bunch of sports cards mostly baseball and basketball from the 1960s. I have looked at selling some of them individually but when I look online almost all sales are authenticated cards in a special holder. I looked into this and it looks like you send your cards to an authentication service and pay them a fee and they put them in a special plastic holder with a tag that says its authentic and gives it a grade for its condition. Is this worth it for selling trading cards? Are there ways to sell cards without this kind of service? Marvin You basically described the sports card authentication world pretty well. It exists because there was rampant fraud in older sports cards and other trading cards for a while, so some reputable dealers popped up and started offering authentication and grading services so that people would know exactly what they were buying. Its become the de facto standard for any sports cards of significant value. Basically, if the card is older than about 1975 or so, the player has any name recognition at all, and the card is in reasonably good shape, youre going to make more money selling it after authentication than before, even including the cost of authentication. If its a no-name player or its beat up, youre not going to make a whole lot for it anyway, as people will just want those to help complete sets and they wont sell for more than pennies. What Id do is look for Hall of Fame caliber player cards from your collection (or, as a friend of mine said, Hall of Famers plus Pete Rose) and get those authenticated to sell individually. The rest, Id just divide out by set and sell in bulk. (I have an almost complete 1965 Topps set missing just a few commons that Ive worked on for literally decades, so Im fairly familiar with all of this.) Q10: Financial independence and career plans So how much financial independence would a person need to be able to have full career independence where you still want to have a career but you just feel empowered to make whatever choice seems exciting to you without really worrying about salary but still assuming youre earning a decent salary to live on? I make about $80K and think I can live well on about $40K so my savings rate is about 30% after taxes. How many years would I have to do this before money exits the equation as a career consideration? Barney I think the real question youre asking is how much do I need to save so that retirement is fully covered? This calculator is probably my preferred one. Youll want to play around with different settings to see how long youll need to save to hit your goals. The further you are from retirement, the lower your total savings goal will be. Also, if you assume Social Security benefits will come to you at rates similar to whats available today, the lower your total savings goal will be. You may even be at your target in several years. However, Id still recommend that you save for retirement after you hit your goal number if youre earning a good salary. This allows you to walk away even earlier if you just get tired of the rat race before a typical retirement age. Q11: Advice for selling books I have a collection of hardback books I want to sell. What is the best way to get maximum value for them? Tracy First of all, it depends a lot on what books youre exactly trying to sell. Are they novels? Cookbooks? Old Dungeons and Dragons books? Encyclopedias? Youll want to go to eBay and try to get a sense as to what theyre actually worth. You will probably get the maximum value from them by selling them individually. However, that is exponentially more work for only a fairly modest rate of return. You might be able to sell a lot of ten books for $20 or sell them each individually for $3, for example. Is that extra effort in packaging and shipping and tracking and communication for nine additional packages worth the $10 to you? Another note: if youre selling books, USPS Media Mail is your friend. Its a highly discounted shipping rate that applies to sending books through the mail, and it comes with a tracking number. (Its cheap because its slow and USPS knows a book can sit in a warehouse for a day with zero problems.) You should always use this when shipping books and magazines. Q12: True hourly discretionary income question I understand how this perspective helps to highlight the high cost of non-necessary spending now in terms of lost leisure in the future. But I think it overstates the cost of non-necessities in terms of hours worked. In your example where your annual net wage is $34,000 and your annual work hours is 2,740 (so you net $12.41 per hour worked) and your necessities cost $24,600/year, you should account for 1,982 work hours (= $24,600/$12.41 per hour) as covering necessities, leaving 2,740 1982 = 758 hours for non-necessities. In each of those 758 hours, you net $12.41/hour, and that is the cost of your necessities in terms of hour worked. So a $50 board game costs you $50/$12.41 per hour = 4 hours, not 10.5 hours. The key is to see that you still actually net $12.41/hour, regardless of whether those earnings go to necessities or non-necessities. One way to see this is to realize that the approach in the post can lead to unrealistic implications for the hours of work required to purchase non-necessities. For example, suppose in your example above, necessities are only $10,000 year, and non-necessary spending is then $34,000 $10,000 = $24,000. If your hourly wage for non-necessities is really $4.96/hour like the post says, then it would take $24,000/$4.96 per hour = 4,838 hours to earn that $24,000. But you earned the $34,000 with only 2,740 hours, so something is wrong. Max Max is referring to this article from last week, Using Your True Hourly Discretionary Income to Make Smarter Purchases. Youre just looking at the same issue in a different way. Rather than looking at each hour as being subdivided between essential expenses and non-essential expenses, youre doing the same thing with the total hours over a year. In that example, then, 1,741 of the hours you work essentially earn you nothing in terms of spending money, because all of it goes to essentials. So, frugality in essence just means that youre migrating some of the hours you work from your pool of hours spent on essential expenses to the hours you work for spending money. My angle was different. I divided the income from each hour into essential expenses and spending money. The essential expenses gobble up $7.45 of the $12.41 you earn each hour, while your spending money makes up only $4.96 of the $12.41 you earn each hour. So, then, you judge whether an expense is worth it using just the $4.96, since its the only portion you can actually freely spend. In this case, frugality moves a little bit of money from the $7.45 essential expenses per hour pile to the $4.96 spending money per hour pile. Got any questions? The best way to ask is to follow me on Facebook and ask questions directly there. Ill attempt to answer them in a future mailbag (which, by way of full disclosure, may also get re-posted on other websites that pick up my blog). However, I do receive many, many questions per week, so I may not necessarily be able to answer yours. https://www.thesimpledollar.com/questions-about-checking-accounts-nintendo-switch-ipods-tsp-and-more/

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sizzlingcrusadebouquetfan-blog · 6 years

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affordable individual health insurance texas

"affordable individual health insurance texas

affordable individual health insurance texas

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How much is insurance? I am 15 1/2 (male) and I want to get a ninja 250r. I live in california, I get good grades and I will take the basic riders course ( I hear good grades and the brc give insurance discounts).""

I just bought a new car and don't immediately have insurance. Is there a grace period for a policy renewal?

I just purchased a new 2012 Honda Civic, and I gave my old 2000 VW Golf to my brother in Indiana (I'm in Wisconsin), and the golf is insured. However, I have yet to renew my policy to insure my new civic. So my question is, is there a grace period for renewing my policy? I have the new policy set up and just have to give them the vehicle VIN # and pay to activate the new policy but I no longer have the Golf so should I not drive my civic to work tomorrow since it is illegal to operate a vehicle without auto insurance? I don't want to get pulled over and then risk having my license suspended since I don't have the new insurance cards/policy activated at that moment for the civic. I plan on activating the new plan the next morning. Can someone please let me know?""

I want to save money and am looking for cheapest car insurance in uk?

can any one tell me where to get an insurance say third party only or fire and theft at the most for less than 500 pounds a year online

How much will it cost to get the affordable health care ?

people dont like it when they are forced to get this health care,but how much does it cost to get it in the first place?""

Will a minor speeding ticket cause your insurance to rise.?

i read that speeding tickets can be a traffic offense and have you lose points from your lisence and pay a fine, it did not see it mentioned that your insurance rates would rise. i am intrested to know if this is true or what situations it applies to?""

Motorcycle insurance in GTA?!?

Hey, I am 21 and has had motorcycle insurance now for the past 3 years and have been insured for a 2009 kawasaki ninja 250r. I am currently paying $1700 a year for insurance with td and have a perfect driving record. I want to switch my bike to a 2012 harley davidson iron 883 and just got a quote from them for $5500 a year!! I think that is ridiculous! Does anyone know of any good motorcycle insurance for harleys or are similar in age and paying less? I really want this bike but $5500 a year is nuts. I can buy a brand new ninja every year lmao.""

What is the cheapest car insurance ? ( Company )?

Serious answers please . Thank you

Why is car insurance expensive for teens 16-24?

Im in class right now and im doing this paper. i need a couple facts why its expensive for teens

Where to get temporary Health insurance for US Expats having a short visit to the U.S.?

Hi, we are U.S. citizens whose permanent residence is outside the U.S. We have health insurance in the country we reside, but unfortunately that does not cover us outside of the country. We are having a short visit to the U.S. for less than one month and would like to get some basic health insurance for our family. So far, most travel insurance I have found does not cover for travel in a country you are a citizen of (so ironically, we so far have had no luck getting travel insurance for the U.S., since we are U.S. citizens.) Therefore we are in a bit of a quandary. A) we only need insurance for a month and B) we don't need much more than something that covers for emergent or emergency care (i.e. something relatively inexpensive.) Please advise if you have ideas or experience on where we can get insurance.""

Im about to turn 17 how much is insurance for a lamborghini or ferrari cuz my parents said i could have one?

Motorcycle Accident Insurance question?

If i accidentally knock over my bike, will insurance cover that? if so, which coverage covers it? I have Comprehensive and Liability""

Does it cost money on my dad's insurance just getting a driver's license?

Is insurance required in north carolina?

if one had a car registered in georgia, he decided to pass through NORTH CAROLINA, the insurance expired, he gets pulled over. WHAT WOULD HAPPEN?""

What would be the best liability car insurance for me?

I just turned 17, I live in Alabama. I have had liability insurance before but i was on my dads. now i want to get my own. but when i had insurance before with State Farm i had to have it turned off. Now i need to know which company with liability would be best for me. I did get one speeding ticket before when i had insurance but that was like 6 or more months ago. Now im in Drivers Ed at school so i should get the insurance discount for that. So what would be the best and cheapest insurance for me. And will there be any fees or anything form me getting it turned off before?""

How much will my car insurance cost monthly?

I'm 20 years old, female, college student, never been in an accident, 0 tickets, i've had my license since i was 18, my occupation: customer service. i'm self supporting, my insurance will not be under parents. it will be under my name. i'm looking to just get basic liability coverage. the car i'm considering to get is a white 2003 toyota celica gt coupe. with about 95kmiles. what insurance do you recommend and how much do you think it will cost for me monthly?""

Does a speeding ticket raise insurance rates for new drivers?

I just got a speeding ticket for going 15 over. It's my first one and i have never gotten in trouble with the police before. But, I am only 17 and got my license only 9 months ago. If I just pay the ticket and dont go to court, how much more money will my insurance company charge me?""

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""

Will insurance cover damages caused by DUI crash?

I was leaving a parking lot, left too fast, and I fishtailed into a parked car (no one was in the parked car and I was not injured). When I pulled over and got out, a police officer who was a block away immediately asked if I was drinking. I was and admitted it. I was administered a field sobriety test and later a breathalyzer. I blew a 1.1 and was booked for OWI. I called my insurance company about the crash to get the claim started, but did not mention the arrest since they did not ask...but I know this will come up. I have full coverage...so will the insurance cover damages to my car and the other car?""

How much does car insurance usually cost for a regular car?

don't give me a stupid link or tell me to check out a website just give me your estimate. How much do you pay?

""When you had your first car, how much were you paying for the insurance?

im just gathering statistics

Why am I having so much trouble finding Health Insurance?

I am 51, just retired from 25 year career, have a 17 yr old son, I am taking a year off before I get back to the grind. I thought it would be fairly simple to buy a private health insurance for my son & I - we're healthy people. We get a quote, move on a little, then find out they want 100 to 150 dollars more a month than the original quote. This is honestly one of the hardest things I have ever done. Does anyone, please, have a tip or two to help me get affordable health insurance.""

Which insurance is needed?

I'm looking into buying mascot costume for myself to wear at events or childrens parties etc , After struggling to find any local enough on several occasions ive decided i'm going to do it. Sooo... I've looked into insurances but just want to make sure im right as i'm not to clued up here .. I need public liability & i want product liability . Is there another i will need? I wont have a premises as such as all my costumes will be at my home but do i need a separate insurance cover for stock at home or can i just up my contents cover for these? Is there any other insurance i need. Thanks""

Affordable health insurance for a 19 year old?

I am a 19 year old white female, i live in California, i go to a community college part time, and i babysit and work part time as a substitute custodian(no benefits). Im looking for really cheap even free health insurance since I make roughly $120-$400 a month. I've looked at my school's health care, it doesn't cover what i want(just covers family planing and std test). I would like something that would cover doctor visits or i pay a small copay. If anyone knows what i can do or where to look, i would greatly appreciate it.""

How long will my insurance quote last for?

I got a quote for 2184 on a car, but i haven't the car as of now, soon to get this week, no doubt the insurance will rise over the week so im wondering if my 2184 quote will expire straight away or i have a month or so to claim that 2184 insurance quote. Using Money Super Market.""

affordable individual health insurance texas

How I can get health insurance coverage?

Did any one have any idea how I can get health insurance? Thanks God I have a lot health problems and I can't afford buy individual health insurance because my existing health issues. i try to find job with health insurance but i cant is hard

How much will two speeding tickets increase my insurance?

I got a speeding ticket last year around the same time for 15 mph over and just received another (in a different state) for going 18 mph over. Also, I have another ticket from 3 years ago (will be 3 years in a couple weeks), so that shouldn't effect my insurance after that. I called my insurance company and asked them how much my insurance would increase with this new ticket. They said $11 over six months, so that equates to less than $2 a month, which is fine, but I'm just not sure how honest they are being with me. Another person from the insurance company told me my premiums would go up by atleast $10/month without calculating anything, which seems excessive. Do you think it will be closer to $2/mo or $10/mo increase?""

How much will it cost to insure a new amusement park?

""For health insurance plan, is it good to have a low deductible, but a higher coinsurance?""

I'm looking at a health insurance plan with a premium of $76 per month. The deductible is $500 and out-of-pocket maximum is $2,500, which doesn't include deductible. Coinsurance is 30% after deductible. I get the first 3 doctor visits for $30 co-payment and then pay 30% after deductible. Does this plan sound okay? I normally see a doctor once a year. Thanks!""

How do I get insurance without having a car?

I got a DUI a few years ago and have never needed to get my license back.now I'm about to have my first child and really need to get it back if I need to drive somewhere but I do not have a car. But I need insurance to get it back. Any help will be great. Thank you.

Why were the republicans threatening to collapse the country just to save the insurance companies?

If the costly disagreement was all about obamacare and the effect that its having or going to have on the insurance companies(not the citizens), it seems to me that the insurance ...show more""

Policy loan from life insurance interest pay to insurance company! why?

Any one can tell me, loan money from life insurance policy cash value intrest collect from the lisurance company, the cash value is my own money, should I paid intrest back to myself? not to insurance company""

How much would car insurance be for a 17 year old guy?

i live in the chicago suburbs and wanted to know how much car insurance would cost if i got a car, either something like a ford probe or eagle talon in the 93-97 year range(definetly a 2 door car though). i don't know either to open it on my own or ad onto my parents. i know that adding on to my parents would be cheaper but they don't exactly want to add another car at the moment but im ready to get my own car, so how much would it cost to open my own policy? i honestly know little to none about car insurance so please help. Also, don't tell me to just wait till my parents are ready please cause thats not the question i just want some prices for the insurance please. thanks!""

How much does Auto insurance cost in Mass?

I am moving to Mass, and am curious if someone can give me an idea about how much it would cost to insure a 97 Acura CL 4 cylinder car. I am having a hard time finding quotes online. Round about numbers would help.""

""California, pregnant, No medical insurance. What next?""

I am currently in England where I have medical coverage (NHS). I am an American and from California. I am having to move back to California, but obviously will not have medical insurance. What do I do? Can I still get insurance when I'm already pregnant? Can I qualify for medicare? How much am I looking at needing to pay? If anyone knows what happens when your pregnant in california with out insurance, that would be super. This is a family emergency which is making me need to move back. So please do not judge me because I am having to go somewhere with out insurance. Thank you.""

""I am driving from OK to TX tonight, and have active car insurance, but expired paper insurance, please help!?""

Okay, my car insurace is active, up to date, but I did not receive a paper copy of my insurance in the mail. I tried to print it out but my printer is jammed. I do have the expired proof of insurance in the car...if I get pulled over for any reason when driving from OK to TX, how much trouble will I get into? Thanks for any insight on this!""

Car insurance question?

Would it be cheaper to get insurance on a Golf GTI or a older muscle caR? because there are alot of classic car insurance companies who do great deals but i don't know and as a first car by the way. i would of thought as its an older car it would be cheaper

Question About Car Insurance?

I have AAA. I have 3 vehicles, 2 in which my daughters are the drivers. One of my daughters has 2 points for prohibited turn, which raised my insurance rate. Is there anyway to get the points removed or remove her from the policy even though she would still drive?""

Which type of car insurance coverage?

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

Can the insurance company find out you are not a full time student?

ok, the thing is, in my school, you need be taking at least 3 credits per semester to be a full time student. i was taking 3 early september and i got proof of enrolment for my dad ...show more""

Can someone help me find car insurance for my dad?

my dad is looking for a car insurance company that insures anyone who drives his car, ie. his children. is this possible? what insurance companies offer this type of insurance?""

Got a ticket and insurance doubled NJ?

I got a ticket on my very first day of driving for an illegal left turn (one of those that you cant make during certain hours unless you are a resident of the street). I got the ticket with 3 points, i went to court and paid off all 3 points and got unsafe driving under my name hoping that it wouldn't affect my insurance, which was under my dads name (Allstate). Even with paying off the points my insurance still doubled. Now my question is, is there anything I can do to lower my insurance? Maybe I can take a course somewhere. Are me and my dad better off looking for a new insurance company? Maybe i should drop my car from my insurance and taking the bus again? If there isn't anything I can do, how long will it take for my insurance to drop again? Right now we are all in hard times and i made it much worse for my family, any help would be greatly appreciated.""

My car was stolen....how much is my insurance gonna go up ?

my loan is 25,000""

Does Texas have a state health insurance for children?

In NY we have child health plus which is inexpensive & if your income is low it is free of charge.

I saw on TV awhile back a life insurance policy you can use while your still living?

I saw it awhile ago on television that it's a life insurance policy you can use while still living such as to pay for children's college and stuff? Do they still offer this and from what company is it from?

Can I help a friend with high car insurance?

I've got my own car, i'm 30, and am insured on it obviously, but a friend who is only 20 has just brought a modified car, and the insurance is quite high. Can I be the main driver on his car insurance and then he be added to the policy, and would this lower the price? or if I can't be the main named driver, can I be added to it and would this lower the amount?? Just trying to help him out really, he's skint until the end of the year, and didn't realise the insurance would be so high!! Cheerz Silver""

Good dental insurance?

I am looking for a good, yet inexpensive dental insurance company...Any suggestions? I live in cali, if it matters""

Buying a car in California?

I'm moving to California next week and I would like to sell my car here in NC. I will pay cash for a vehicle at a dealership when I arrive in L.A. When I buy it, do I have to have a CA drivers license? I will not have a permenent address right away, so I was wondering what the procedures are? I have a NC drivers license but will not establish residency in California until I find a job. Any help? Thanks""

""Cheapest car insurance in St.Cloud, MN?""

Cheapest car insurance in St.Cloud, MN?""

""Cheap Insurance, For a 19 year old?""

hi im a typical 19 year old, been driving for 1 year this month. Does anyone know of any Cheap Insurance places, Everything is so expensive! i dont want to be paying more than 50.00 a month! Please help""

affordable individual health insurance texas

How long does a traffic violation affect car insurance quotes?

Two years ago, Feb in 2011, I was caught driving with a suspended license. Since then, car insurance has been through the roofs. How long until my quotes are no longer affected by my violation?""

Help finding a car insurance quote?

I'm doing a project for my economics class where I have to pretend to be a 22 year old living on my own and make a monthly budget for myself. I have to find a car insurance and health insurance quote, but everywhere I search asks for personal information and has to search through my records and credit to give me the right quote. I'm only 17 so they wouldn't find anything on me. I need it for a 22 year old making 27,000 a year. Please help me! 10 points to the best answer :)""

True or False: Pickup trucks have lower insurance rates than cars?

I have heard that this is true because they are safer vehicles? Is there actually any truth to this?

Do I need to be on the insurance to go to and from school in my friends car?

I am 16 years old and I have my drivers permit, is it legal to drive myself and my sister to and from school in my friends car without being on the insurance policy? its my friends dad car and I want to use it for school..""

Im a 16 year old and got my drivers license how long should i wait to get my motorcycle license?

Since im 16 and got my license. if i wait will the cost of motorcycle insurance go down? if so by about how much?

How can i get cheap/free health insurance?

i live in chicago and wanted to go to the doctors but my dad informed me i have no health insurance (only him. he is legally blind on public aid) im 20 and in college what can i do

Mustang GT Insurance Prices?

Does anyone know how much it would cost on insurance for a brand new Ford Mustang GT?

""What happens to a person who passes away and has no life insurance, money or family that can help?""

I know a lady in extremely poor health. She has no insurance, no savings, house, etc. She has 1 son who is 28 but can't hold a job longer than 2 to 3 weeks at best and expects mom to help him with everything. She has 1 living brother who lives far away from here and doesn't talk to her because he doesn't agree with the way she allows her son to drain her of everything. My question is--if she would pass away, who would be responsible for her burial? How would it be paid for? Her son doesn't even own a car. He drives hers and it isn't paid for yet. This lady rents a room and only owns a bed, chair and lamp. Not much to sell!!!! Does anyone know what happens in a case like this? This is in the state of Iowa.""

When you car is totaled and you have full insurance coverage...?

What does your insurance company do with the wrecked car? do they take it and put it in a junkyard or do they let you keep whats left of it, or what?""

Do i need insurance to be under my name when taking my drivers test?

so im taking my drivers test soon and i need to know if i have to get insurance under my name on the car..my mom does have insurance on the car i will be using but only under her name..so will i have to add my name to the insurance just to take the drivers test? i live in california

Long-term care insurance?

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

How does 21st Century Insurance Compare to Allstate?

I currently have allstate for my car insurance. I was given a quote from 21st Century Insurance and it is less than half of allstate. Is 21st Century a good company to get? Or should I stick with Allstate?

Does auto insurance.... ?

if lets say i hit a car with my car and the other guy claims the accident does the my auto insurance investigate the accident at all or do they just fix the car without asking questions??? im comfused

How much does insurance cost for a 2004 white dodge stratus ?

Please help me ?

Would my car insurance covers if paint is sprayed on my car by family member accidentally?

My uncle was spray painting his deck (toner - penetrating oiling formula) and didn't pay attention and it was quite windy that day it got all over my car. Now would my insurance cover this claim or not? What you guys think what should I do? I think it will cost me around $7000 to $8000 and I have full insurance. Thanks for your replies

I got a court date for not having a car insurance and I was cought in a parking lot?

Hi guys well I was cought by a cop cause my temp pleate was expired and did not have an insurance and I got these two ticket in a mall parking lot here is how the police saw me ( my car was parked in a parking near the minestry office from the past 2 weeks and I just went to start the car so the battery don't run out of charge, and just on the other side of this parking lot there was a coffe shop on the other side of the road which is a mall aria but to get there I had to cross a main road which Im guessing is a 50 meters crossing, so ofcorse the officer saw me on the main road and I turned in the parking lot and he stoped me there) so any one there can help me out how to get out of this mess I have asked some lawers they told me they can help me out but the fees they are charging is realy big please help""

Where Can I get Cheap Car Insurance?

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

Do you have health insurance?

if so, how much is it per month? how old are you? what kind of deductible do you have? Also Feel free to answer if you do not have insurance and do you support Obamacare?""

""Got in a car accident driving someones elses car, they had no insurance.?""

got in a car accident driving someones elses car, they had no insurance.im 26 ive never been in any trouble and have a clean driving record. i was terrified and i left the scene and got cought, whats going to happen at court?""

How much does it cost to insure a 08 corvette for a 21 year old?

I currently have a mustang gt 2007 i pay $465 a month for the car payment and $230 a month for the insurance. Now i am graduating with a engineering degree next year and my salary will double so i can afford about a $700-800 car payment and about $300-400 monthly insurance payment. Will this be enough to own a 08 corvette over 60months? I would like to hear from those who actually own a corvette or those who work for a insurance company but any educated response is ok. Thanks in advance

Help with car insurance?

ok.. i just got a 1997 honda accord lx.. im 18 and a new driver.. but the car is in mine and my moms name every place we called it is over a hundred dollars just for state required ?? where is the cheapest place in shelbyville indiana.. i need car insurance and this is outrageous could anybody help me please

""Do i need car insurance 2 do my drivers test even thought is not my car, is my brother car? (califronia)?

i want to take my drivers test using my brothers car. the car has insurance. i just want to know do i show his car insurance or do i need 2 get insurance on my name to use his car and take the drivers test.thanks

Car accident no insurance?

Long story short- we were in a car accident because this lady was trying to turn left over a double yellow line into the gas station and we hit her from behind. Well we didnt have car insurance at the time because my hubby was out of work for 3 months and you pick and choose your bills at that time. So, the cop gave us a ticket and we did a little damage on her car. Her insurance company called and said we are supposed to pay 1500.00 to fix her bumper. Well they said that we can pay a big lump-sum now and they wont take us to court or we can do payments. NOW- i understand that we need to pay for her damages, my question is that can they garnish my husband wages now that he is back at work. Or if we go to small claims court will the cost will be more then what they are offering? I DO NOT think she had that much damage. I took many photos.""

What are some affordable life insurance policies for people with diabetes?

What are some affordable life insurance policies for people with diabetes? Looking for $400,000 in coverage.""

INSURANCE ON A 1986 MUSTANG GT?

I TRIED TO GET A QUOTE ON ALL STATE BUT the only years i have 2 choose from is 1995 - 2010 so can i get insurance with a regular company or do i need to get classic car insurance

affordable individual health insurance texas

https://www.linkedin.com/pulse/affordable-insurance-wrightsboro-road-jeffrey-hernandez/"

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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.""

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Can i get Health New England Insurance in other states?

I'm thinking about moving to Virginia to be with my boyfriend once I graduate but i was wondering about my heath insurance... I have Health New England from my father, do they only provide it in New England... since it is called 'Health New England' or would i still be able to have it when i went to Virginia??""

""What is the cheapest insurance company for a 17 year old male, fully comp on a 1-1.2L vehicle?""

Looking around for cars and I want to know where is the cheapest, so far it is 3800 cheapest anywhere. If you have insured a car at that age can you let me know what you paid and who with? Tips on getting it lower?""

How much would I pay for my yearly motorcycle insurance?

Thank you for your time. I am a 18 year old freshman university student living in Canada and I am really interested in buying a new motorcycle. I recently got my M1 and I will be going for my M2 next, so I am still kinda inexperienced. I looked at a few motorcycle websites and a couple of them read that motorcycle insurance is affected by age, experience, driving record, bike engine, etc. I figured that a medium sized engine probably wouldn't cost too much so I looked at a bike with 600cc. I am not worried about the initial cost of the bike since my scholarship money out-pays my tuition and housing by an excess of $4000. Also, I have had no history of accidents in cars or anything. I was wondering, based on my history and my status, what would be a good approximation of the yearly insurance I would have to pay given that I am a student and I am looking at a 600cc bike? Any input is appreciated.""

""Is a Ford Mustang, Chevy Camaro or a Dodge Charger good for a first car?

My friend is 18 and goes to college and he has a Ford Mustang. I know its a sport car but is it good for it to be a first car?

I am lawful resident can i get health insurance?

I am a 67 year old lawful resident and i do not have a health insurance is there any provision in Obama new health insurance bill

State Farm Renter's Insurance?

I live with my brother and his wife. There names are on the lease and my name is not on the lease. Can I still get Renter's Insurance?

Can i get insured on a chevrolet camaro 1ss 2 door v6 in the uk?

my parents said they will buy me a chevrolet camaro and ship it to the uk, its the 1ss v6 2door. they told me i had to pay insurance does anyone know wether or not i can get insured on this car in the uk, i live in london, im im turning 18 in november and this wil be my first car, and do you know approx how much it will cost?""

Fuel economy and average insurance prices of mitsubishi 3000gt?

I'm thinking of getting a 1991 Mitsubishi 3000gt. I would prefer the VR4 (DUH!), but if I can't find one(Right now I can find 3, so I'm not too concerned), I'll just get the SL. I don't want the base model. So what is the average fuel economy of this car( vr4 and sl)? And the average insurance prices? Anybody have experience with owning this car? I've heard that it's fairly cheep to insure, because it's considered a coupe by insurance companies, instead of being recognized as the high performance sports car that it is. Is this true? And is it as fun as it looks? ;)""

How much will a 21 year old pay for car insurance?

I am 21 years old and kinda new to america. i wanna get a car. how much do you think i will be paying for the insurance. i am experienced driver. any info. would be helpful. thank you

""New to buy used car, can drive to home after buying with no insurance?""

i dont really know how to do, i am new to drive, Is it ok to drive the used car back home first but i dont have insurance, IF NO, what should i do????""

How will this 15-20 mph speeding ticket affect my insurance?

I just turned 18 and I am a senior in high school. I live in a small area that is just between two towns. This area is known for its police; they have a tendency to give speeding tickets out like crazy. They hide in places so that they can catch people speeding; the area is generally a 30mph zone. I had a good morning and got a little foot-happy...I sped right up to a cop that hides next to my neighborhood. Needless to say, I was going 50 mph in a 30 mph zone. Without a seat belt. I was extremely honest, so I got a speeding ticket but the seat belt issue was simply a warning. This is my first ticket ever; the only other time I had been pulled over was because I forgot to turn on my headlights...I was 16 at the time. I have State Farm Insurance and have an extremely decent rate for my age. I have no issues paying the speeding ticket because I did speed...I just don't want my insurance to be crushed. I went through driver's education, State Farm's Steer Clear Program, and I have maintained my grades to ensure that I get a decent rate. What will this ticket do to my rate? And what is the best I can make out of this situation?""

Why would someone buy life insurance from Colonial Penn (whoever that is)?

instead of a reputable well known insurance carrier? Second question: Seniorites, do you remember the boob tube without googling.""

How do you get help if your pregnant and need insurance?

I applied to Medical but they are taking forever. I think I might already be in my second trimester but have not seen a doctor, so I have no idea. I lost my job but my husband works for the county here in California. His paycheck shows a gross of 1517 every two weeks but this is because the county is weird and includes his crappy insurance as his earnings. His taxable earnings are only 1280 a every two weeks and his net pay is only 1022 every two weeks. I also am willing to do AIM but you have to meet make less than 4400 and a min of 2935 a month. I'm just so tired of the run around and want to see a doctor. I'm really worried, this is my first baby. We are barely making ends meet here in California, we should qualify for Medi cal right? Thanks for your help in advance.""

Getting my baby on insurance?

I'm 20, unmarried, and a full-time nursing student, so I still have insurance through my parents. I live with my boyfriend, my baby's dad, and he has insurance through the hospital where he works. His insurance isn't too expensive for him, but if he were to add the baby onto his policy, the price would nealy double, taking almost half his paycheck every month. I work as much as I can parttime, but with taking fulltime classes, along with clinicals, there's no way I can work fulltime right now. We would be considered low-income, and I know my baby would be eligible for medicaid. I'm only 26 weeks along, but I really want to have everything arranged by the time he gets here. Who would I contact for more details about getting on it? We've never used any kind of supplemental assistance like this, so I really don't even know where to go. It's probably too early right now, but when would I need to start filling out the paperwork?? Thanks for your help!!!""

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Motorcycle Accident Insurance question?

If i accidentally knock over my bike, will insurance cover that? if so, which coverage covers it? I have Comprehensive and Liability""

Can my parents exclude me from their auto insurance?

My parents have Country auto insurance (I'm assuming Countrywide, they said the one on the commercials ) I'm 16 and I feel it's my choice whether I get my license like every other kid out there, but my parents won't let me because their rates will go up. I know some insurance company's can exclude certain people from their plans, will my parent's insurance company do that for me? I really don't want to go through the hassle of calling them going on hold explaining it correctly etc. Please let me know! Thanks.(:""

Does car insurance cover only one car per policy?

Like, if I had many cars, would the policy cover all those cars for one fee or would I have to get insurance for each car? I feel like each policy only covers one car but I'm not for sure which is why I'm here. And if there is such a car insurance that covers x amount of cars for one fee, let me know. Thanks for taking the time to answer this.""

What is the cheapest car insurance to get for a 22 year old for full coverage?

Cost of car insurance?

I am a 17 year old female. No crashes, good driver. I just got enough money to buy a car, and need to pay for the insurance. I Dont know how much money that would cost. I hear its diffrent everywhere, but what is the adverage for minnesota would you say? I'd appreciate it! thanks :)""

Where's a good place to go if have cavaties and no dental insurance at the moment?

i'm taking a semester off (enrolled in college but not currently attending) and i just graduated h.s. and my dental insurance cut off my moms plan. They discovered 2 cavities and they i'd like to get them taken care of before i go away to college is there anywhere i could go for cheaper or that would accet paymnet plans at a semi-affordable price?

Car insurance groups 17/18 year old?

well im from London, 17 years old and will be 18 in about 1-2 months and i should have my full license by end of summer. I've been looking to buy a VW Golf 1.4 S mk4 as first car which is group insurance 4. I just checked on GoCompare for quotes but its giving me 6.5k per year for third party! WTF? and i tried on under my dad's policy quotes (frontin) and it only droped by about 250 quid... so about 6.25k. Why is it so high? do these prices sound right for group insurance 4?? i mean i know im young and i might give boy racer image to them but wow... if it doesn't sound right what am i doing wrong? what things does drop the quote? i put stuff like locked in garage an anything i could think of.""

The General Insurance?

Is this a legitimate insurance company? Has anyone used them?

Advantage of auto insurance?

please provide me some information about auto insurance.

Will insurance cover us?

i just enrolled in insurance through my work a few days ago but coverage doesnt kick in until january. my wife went to the doctor today and i found out its gonna cost 1400$ for blood test. will they cover things from the date of enrollment or the day coverage starts?

What is the cheapest car and year range to insure for 18 year old?

My wife is 18 and got her license a few months back. What would be the cheapest car and of what year range, if insured in the USA? Which insurance companies insure 18 year olds, as I am aware most dont.""

SR-22 Insurance?

Can someone please tell me the process? I got pulled over in May for DUI and I was told I had to get Sr-22 insurance. I have a brand new Mercedes Benz (CLK 350) and I am 23 years old. The title of the car is in my name and my moms name. Is there any way for me to get around this without her knowing? She will kill me!! Is there a way to take my name of title and just get the non owners SR-22 insurance? All of this is so confusing and i'm scared. Any experts out there?

Cheap car insurance for 17 year olds?

I am 17 and need a car to get me to work as it is quite a while away and costs me over 30 to get to a week!!! I passed my test last month and have done pass plus. I tried getting insurance for a 1.0L Lupo and it was 7500 on my own name (tried it a few times using thrid party only, thrid party fire & theft and fully comp but kept getting the same) I tried adding my father as the main & named driver (20+ years no claims) and reduced it to about 5000 which is still very very high and im not even using comparison sites (mainly sites aimed at 17 year olds) :@ I am quite angry becuase my friend when he passed last year got his insurance for 1600 on his own name at the age of 17! Any ideas on insurance compainies or how to reduce my insurance??""

Can I get my motorcycle registered with no title?

I just brought a bike for really cheap and I can get it insured so I think it isnt stiolen but if so how can I get it registered in the state of texas with no title

What is the definition of garage for car insurance purposes?

I would like to know the definition of garage for car insurance purposes, my car is in a building that is enclosed on three sides and has a locked sliding front garage door, i would ...show more""

Who Pays For Your Medical Insurance?

Another one...who pays for your medical insurance?? The place i work for pays for my full coverage with NO out of pocket expence on my part and NO money taken out of my paycheck? Does your company also pay for you or do you have to pay some out of pocket money?? If i had a choice i choose them to dock me my half hour lunch as long as they are paying for my medical insurance..thats more important to me..What do you think??

Where do you get long term health care insurance quotes?

Where do people get long term care health insurance quotes? I've come across many websites but was wondering if anyone has had any particularly good experiences. I did come across http://www.ltcconnects.com which appears to compare various health care providers.

Does anybody have Affordable Health Care benefits for individuals and the entire family?

Are you or your family looking for affordable Premier Health Care Savings Plan with up to $2,000 Accident Coverage with only $100 Deductible(on or off the job at school or at play)You ...show more""

Need help insurance gurus?

What is the best route to getting insurance for weight loss procedures? I haven't had insurance in 3 years

Can I buy a car for someone and them pay insurance and registration?

Basically Drive and maintain my car? I'm buying it for her. I will register it in my name. I live in NV, so I need to register it here in NV. Title, Loan, and Registration will be in my name. Can she legally insure the vehicle, solely? Does she need to add me onto the insurance policy? Is it OK for her to drive it in Cali, where she lives, with it registered to me here in Vegas? What are some possible unforeseen problems that may arise, besides: If towed I need to get it out. If tickets unpaid or loan not paid upon, I get the flack and bad history, and fines. Please help! feedback needed! OF COURSE ITS NOT A GOOD IDEA, BUT IF I CHOOSE TO DO IT, I want to be aware of it all, just asking for some heads up and feedback, please! Thanks!""

Why is insurance so high on the scion tc?

what is the best/cheapest insurance out their for the scion tc and why is it so high?

Backdates homeowners insurance?r=1268786067?

Can an insurance company back date homeowners insurance?

Is it possible to get car insurance without a title? (California)?

I purchased a car and didn't inform myself well enough about registering a car with a salvage title. I am waiting on the title after one final inspection, until then I have temporary registration. I just wanted to try to find out if there is any type of insurance that would be able to cover me until I get my title? (and hope a little while I was at it.)""

Please help! I'm looking for an affordable health coverage plan (not Healthy N.Y. or any medicaid programs-

I don't qualify for these programs.. As I make too much-but not enough to afford health insurance. My husband takes meds. everyday 3times daily. I'm getting quite scared. Can anyone help!! Thank you!

What is the oldest year car I can buy without paying for collision insurance?

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How much money would insurance cost for a 16 year old boy with a 1982 dodge ramcharger?

i have allstate and i was just wondering if anyone new. and a ramcharger is a big truck/suv

Cheapest insurance for first time drivers?

i need help on finding the cheapest insurance for first time drivers i am 18 and near ending my lessons for my driving test and want to know cheap insurers for my first insurance wihout the little black box in my car, and also is it best to ring or online for my insurance prices thanks""

Car Insurance : Average price for 40yr old female first time driver?

Just passed test. Quotes vary wildly online. Not bought a car yet. Looking at Nissan Micra's. What kind of prices should I be looking at?

""What is a good Car Insurance Company. Im in my early 20s, not the greatest driving record.?""

I have had a few speeding tickets, no insurance tickets, ect. 1 accident 6 years ago. I just need good, cheap, liability insurance for my fiance and I""

Affordable health insurance?

for milwaukee wisconsin?

Insurance help? Please? ?

Hey guys, check it out. I'm looking for insurance, but i don't want to deal with going to each and every insurance site looking for a quote. Does anybody know a solid insurance. First-hand experiences are very much preferred. Also, I live in Pennsylvania, if that matters. I'm sure it does.""

""Not at fault in car accident, but insurance says I am?""

I was involved in an accident in 2011. I was going straight past an intersection and another truck going the opposite direction turned at the intersection, striking me. He admitted he did not see me and was clearly at fault. I filled out the police report and it states, by both parties, that he was at fault. A year later I bought a new car. I tried to get insurance. Everywhere I go my quotes are sky high, like almost $200 a month. I asked them why so much, and they advised I was listed at fault in the accident. I called the DMV, the insurance adjuster, and the police, and they all say I am not at fault. Well, the DMV says they see an accident but it does not show who was at fault. The insurance companies keep saying they are getting this info from the DMV but thats not possible. I was told by one small insurance company that this is a tactic used by companies. They see me as not at fault but try to manipulate me to get more money. What do I do to clear my name? I have the official police report, as well as all my medical bills from the accident. Again, the DMV cannot see any at fault, therefore cannot do or change anything.""

Why is insurance in ontario so expensive compared to insurance in other provinces?

why is insurance in ontario so expensive compared to insurance in other provinces? what factors affect this? i would assume that the amount of accidents affect it. does population affect it in any way? how about living areas? wouldn't insurance in detroit be high because of the amount of crimes? i've been studying a graph and it says CPPV (claim cost per private passenger vehicle) and it compares that with average net premium. is CPPV the amount that the insurance company gives back to us policy holders on average? thanks guys. i'm sort of new to this insurance thing and i'd like to know more about it

How much (on average) does it cost to get insured?

I have been doing side cleaning for some friends and family so of course I'm not insured or bonded. But I can make anywhere from $50-$80 for less then 2 hours of work. I started working PT at a cleaning company so that I could get more experience (and a little more pay) and learn a bit about the business. Of course what I'm learning is that instead of making the full $50-$80 for my services I'm making only 20% and the rest of course goes to the company! I feel I can do much better on my own and really want to work towards that so I know my best bet is to get insurance and bonding. Roughly what is the premium for it? I guess I wouldn't need to be insured for no more then $25,000 -$50,000. And are bonding and insurance liability fees seperate?? Any help would be appreciated. thanks""

What is a good but cheap small business insurance company for liability only? I'm in Southern California.?

I would love to hear from people who have experience with these companies...

Why do Conservatives have a problem with buying health insurance but not car insurance?

They care more about their cars than human life typical! How can they be so selfish!? I don't see millions of conservatives complaining about being forced to buy car insurance. Typical conservative hypocrisy!

How will the affordable healthcare act affect the unemployed?

I have a friend who is unemployed and living under my roof. They're not being claimed by anyone (over 21, not being claimed by parents or myself). They're not in school. They receive no income whatsoever. How will the Affordable Healthcare Act affect them? Will they still be required to get health insurance? I'm sure, legally, the answer is yes, but how will the government *know* they even exist?""

Best car insurance company to use?

I am 22 and just traded my 2003 VW beetle for a 2010 honda civic LX (which is being financed). I use 21st Century and they're going to raise my rate by a couple hundred dollars per year. I pay every 6 months. I feel like this is too much. Even though I'm not yet 25, it seems a little excessive. Are there any suggested insurance companies with a more competitive rate? BTW I'm in California if that makes a difference...""

Insurance question?

if you are being sued for a car accident how much will the insurance company cover up to

Where can I find cheap car insurance for Manhattan?

I recently moved to Manhattan and had to bring my car. I had plan on selling it, but with no luck. So now I have to keep it and now I have no insurance. The car is in storage right now. Can anyone suggest a cheap insurance company to me. I have gotten quotes from Geico, Progressive, All State, State Farm, Nationwide, who all either denied me for a lapse I have had or they cost twice as much as my car payment. I know that I am reaching for the stars.""

Is it true that the older you get the more car insurance you pay?

My father lives in california and received his car insurance bill , he's 80 yr old. within the last year never received a ticket of any kind or was in an accident. and now he's paying more. Does that sound right?""

What are the requirements to be taken off my parents car insurance?

I plan on getting my own car insurance and moving out but my parents need my new living address and I don't wanna give it to them cause I don't want them knowing where i'm going to be living. Does the insurance require this type of information to remove my name?

How much would auto insurance cost for a 1995 dodge viper?

I saw the car for sale for $16,000. The Viper has only 400 horsepower.""

Can I my Dad's car without being on his insurance?

I am a 17yr old student living with my parents and i have just passed my driving test. Everyone keeps saying i can drive my Dad's car once he is in the passenger seat, but i am not sure. My dad has insurance on his car, but i am not a named driver. So can i drive my dad's car if he his in the passenger seat, without being named on his policy.""

What happen if drive car with no insurance?

i've been buying this used car since last 2 weeks and drive it with no insurance. The MOT and tax will end in August. I just cant afford to buy the insurance yet. What happen if i don't insured it? i live in Northern Ireland, UK""

Full or Limited Tort with no car or insurance?

I was in a single car accident in March. My car is not drivable and I am donating it. I want to cancel my insurance on the car and my agent said that I would have a lapse insurance which would make it more expensive for me to get insurance in the future. I live in PA and also wonder that if I no longer have car insurance does that mean I have limited tort if I'm passenger in someone's car or get hit while walking. I'm currently driving my mother's car which is registered and insured in DE I have concerns as to my liabilty and hers if I were to be at fault in an accident in PA. Doing some research today has just made me more confused.

What would my insurance cost?

If i am a not yet insurednew driver and already got in a accident under someone else's insurance what would it cost for insurance roughly if i was to apply for some

Motor Insurance from group 5 to group 12?

I'm currently paying 30 per month for my group 5 car insurance but I've been offered a car that's group 12. I can't get a quote until I know all the details of the car, but don't want to look too interested until I know about the insurance. anyone give me an idea please?""

Will getting married affect me being on my parents car insurance?

Will getting married affect me being on my parents car insurance? My mom knows we are engaged my dad won't even know that until December. My husband and I just got married yesterday but our ceremony is not until August. I realized today I am on my parents car insurance. Am I still going to be on there or are they going to send a letter to them saying I am married or something? He already paid the premium until April 2012 with me on it so I don't think they can take me off til then? Maybe at the end of the 6 months I should tell them since I am getting married in 4 months I want to get my own car insurance since it wont be the full cycle done before I am married. IDK I just wanna know if the company will say your married daughter cannot be on your insurance??? I am kinda freaked out.

How much will my insurance go up from a provisional licence to a UK full licence?

I have recently started to learn to drive in my car with my dad. However my insurance is on a provisional licence how much will it go up by when I pass my test? My insurance company is Admiral and i'm 17 years old.

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How does the affordable care act apply to me?

Right now, I live with my Mom and she earns about $120000 per year. I work and earn about $22000 per year.""

Advantage of auto insurance?

please provide me some information about auto insurance.

Hit and Run insurance help!!?

My car was hit 4/19 and now I want to get it fixed through my insurance. The damages from Honda are about $1200. I think I should file with my insurance since I can't afford it. Since I did get the quote with Honda will the insurance company or DMV know I got it on that day?? I do not know if they will honor it since it was a few weeks ago.. I have a $100 detuctible and that is way cheaper than the $1200 but do not know what to tell them when i file the claim.. I am with Mercury and live in California

Cheapest car insurance for 17 year old?

Whats a good insurance for an orthadontist?

I want to get my teeth fixed and straightened, but I don't have insurance. I'm 20 and I work part time so I don't get the full benefits like the full time employees. I could always apply for medicaid but I'm not sure if it will cover the costs of the kind of surgery I need.""

How much is car insurance for new drivers a month?

I'm planning on to buying this car peugeot 206

Are there any web sites that can give me a free quote on how much my monthly car insurance rates would be?

im buying a 2007 pontiac solstice today and i am wondering the insurance on it

Good motorcycle insurances?

I just got a new dirt bike and I can't race with it at the track without insurances, what are a couple of cheap motorcycle insurances. I called this one place before and they wanted to charge me 700$ a month""

How much will my auto insurance go up(rough idea) if I get a job where I would use my car?

Just curious what range it might fall in. My premium with state farm is very low, about $70 a month with full coverage on a 1994 3000GT. Milage would be like 125 a day.""

How does insurance for gymnastics gym work?

i'm reading about insurance for gymnastics gyms and i'm a bit confused. so i was told that these gyms purchase a policy and pass the cost to their customer. i was wondering if the insurance company charges based on the number of users in the facility or is there already a given price?

Insurance for people who do not have a car?

Are there any insurance for people who do not have a car?

Can Someone in another state insure my car for me?

I Live in Georgia Where it is legal to get your car registered with insurance in someone else s name. I know for a fact because I have seen it done. But What I want to know is when I buy a car can since im so young and insurance rates for me are so high can my grandmother in Michigan add the car to her policy? or can my mom in CT insure it for me even though the car will be registered in georgia? Or Does it has to be another Georgia resident?

""Is a classic muscle car a good choice for daily driver, such as a chevelle?

I love old muscle cars i have always wanted one forever. I would like a 68-72 chevelle. is the a reachable goal? I have 12-16 thousand dollars to spend. I would like a chevelle. If you own one could you plaese tell me how great they are or how often they break down and how much is needed to keep them a daily driver? if this idea of driving a classic muscle car is not possible what type of car would satisfy my love for classic muscle? if i did get a chevelle is it worth buying a true ss or should i get a cloned ss because they are cheaper? 4 speed or automatic? and how high would the insurance be for an 18 year old in new jersey driving a chevelle. please put in your comment if you have or had a chevelle so i can see who has had actual experince with one of these treasures. Thank You

""Car insurance, and registration in illlinois.?

hey. i was wondering how much would the avg price be for car insurance for an 89 acura legend 2 door for a 17 year old boy? and how much would it be to register a vehicle in the state of il? also are there any places near or around chicago that sell reposed vehicles. answer to either questoin will be very much appreciated.

Insurance For My Daughters Scooter?

My 16 yr old daughter is being stupidly high prices for her scooter insurance - she has a 49cc and has past her CBT test. can anyone suggest a company who specialise in young riders ?

Can someone have life insurance on me without my consent?

My inlaws are crazy. No not like wacky like mean, vindictive, you wouldn't believe it crazy. My husband purchased a sport car about 4 years ago, evidentially my inlaws started a life insurance / disability policy on him. The bill for some reason gets mailed to us, but they pay it. When asked about it they said they got it incase my husband killed himself in his car. Can you take out a policy on an adult, over 18 years of age, without consent? What is this Disability income on the bill that is separate from the Level Term life??? They are not in poor financial shape, his father is a doctor and they have an oceanfront home. I have everything situated for our family's burial arrangements. Thoughts??""

What health insurance is best and affordable for my wife?

We had a baby 3 months ago, but I am looking for health insurance that is good and affordable for my wife. Any suggestions?""

What cars are cheap to insure in england?

im 19 and have had my license for 2 years and im looking to buy a car. I want a 4 door car but really don't care what it is as long as it is cheap. So i would like to know if there are any particular cars that are known to have cheaper insurance, thanks.""

How much will I get from the insurance for my totaled car?

A person hit my parked car and damaged the body, the wheel well, and the wheel is bent crooked and rubbing on the strut. My problem is the car is old and probably only worth $500. It will be really difficult to find a replacement for $500, it seems i might need to spend $1500 -$2000. Maybe this is close to the repair price, I don't know. What do you think they will offer me? What should I do?""

Can Cancer patients have the life insurance? ?

Is it possible cancer patients getting life insurance...

Who has the best health insurance ?

I'm looking for health insurance that's really good and worth the money?

Are jettas cheap to insure?

I need to buy a car for college and i really like a 2001 vw jetta. I have the money cash for it, and im looking at middle coverage. I know i can get a quote, but i dont like doing ...show more""

What Is The CheapesT Car Insurance For Young Drivers ? In Ireland?

What Is The Company And Website, For 18/19/20 Year Old Drivers, Drving A Seat Ibiza 1Litre

Should we cancel our whole life insurance policy?

we bought a whole life policy for a couple of years ago b/c we liked the safety of not losing our money(the way u do w/ term)--anyway we have since learned that u don't make any money this way and it's better to take those premiums and put them in better returning investments. we already have a huge chunk of money in this whole life policy that will be down the toilet if we cancel. what should we do? can we convert it back to term?

Cheapest second hand cars to insure for over 25 year olds uk?

ok so i'm 27 just passed my driving licence money is an issue I need to buy a cheap second hand car any know a website or know which is the cheapest type of cars I can get for cheapest insurance quotes please?

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https://www.linkedin.com/pulse/way-get-estimate-car-insurance-rate-anthony-griffin/"

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twocatskissing · 7 years

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Random questions 1. Do you bite or lick ice cream? lick lick lick lick (i like) 2. What is home to you? where ever i feel comfortable. so..not necessarily my house all of the time, it depends who i am with. 3. What was the last lie you told? i ...dont know. i just went thru my texts and i can't recall. but i've lied several times today probably without knowing. 4. Does everyone deserve the truth? no. u dont deserve my ass honey! 5.What is the creepiest toy ever made? i'll think about it 6. Describe a moment in which you did something unacceptable in a bad situation. talk shit get hit 7. List two things that are more easily done than said. (No, I didn't mix them up.) literally anything work related. i hate explaining to people, i just want to do it myself, it's so much more easier. but this question is making my head hurt so i'm moving on. 8. When was the last time you worked really hard to achieve something? i worked REALLY Hard on print edition II 9. How many all nighters have you pulled? probably one? two? i'm not good at them 10. If humans didn't evolve to laugh or smile, how would we express our happiness instead? hugs. 11. How many romantic "things" or "flings" have you had? maybe...three? 12. What is your paradise? honestly where ever you are 13. What is your favorite background noise? (Ex. Water dripping, people talking.) RAIN NOISES. UGH. I LOVE THEM. I WOULD DIE FOR THEM. 14. How many hearts do you think you have broken? one, not including myself 15. What is the most important thing about electronics? What does this say about you? communicating. i think it says i suck at communicating in person. 16. Why do people care about celebrities? Do you care about celebrities? i care about celebrities because i aspire to be like them, and i enjoy learning about other's successes 17. What is the most annoying thing someone can do to you? i dont know how to answer this. anyone doing anything for me makes me so happy 18. Do you overexaggerate? What are the pros and cons of this? i do this a lot, i get it from my mom. i think it just makes me sound annoying. 19. Have you played any instruments before? Which instruments? no i'm a potato 20. Do you like taking selfies? Why or why not? i used to take them a lot but one week during 9th grade my self esteem plummeted and now i hate taking them. i think i am so ugly and unattractive. 21. List 3 things you like about yourself? i'm kinda emo rn so i cant think of anything 22. What is the best advice someone has ever given you? don't make mountains out of mole hills 23. Do you have what it takes to raise a child? Why or why not? HELL NO. i cant even take care of my damn self. even my pee is telling me my body is in serious danger. 24. How do you cheer yourself up after a bad day? i talk to sierra, practice a makeup look, or go to sleep really early 25. When was the last time you felt awkward? when i went out to starbucks earlier tonight i was in this really weird state where i felt really weak and off, i felt kinda awkward and bad 26. Are you introverted or extroverted? Or a mixture of both? im super introverted but i always like having one person with me, i don't like being completely isolated, but i hate having multiple people around me. 27. What constitutes a good friend? having conversations that never dry out, being there for you right on the spot, good hugs 28. Would you rather have a lot of friends to hang out with or just one best friend? i would want just one best friend, but i've come to realize that people i'll get super close with get really annoyed with me easily and that's not what i want 29. In a regular day, what do you not want to hear? that hetero shit. 30. What is your dream job? journalist at refinery 29 31. Is it better to be lazy but smart or hardworking but unintelligent? hardworking because from there you can build your skills 32. What is a truth about yourself that others find hard to believe? IM A VIRGIN 33. What have you always wondered about the other gender? why he so ugly. 34. Which fantasy world would you like to visit the most? what does this even mean 35. Describe the worst friend you have ever befriended. i don't want to hate them again 36. Imagine that you have switched bodies with someone you don't know. You can't switch back. What do you do? hope they aren't suicidal like i am 37. If you found the recipe for immortality, would you sell it or would you burn it? girl i'd sell that shit. need that college money. 38. What is the most important, applicable class you have ever taken? speech, bc u need speech to speech 39. Name the last book you read. animal farm 40. Imagine that you are unable to express emotion. How would this affect your world? BROOO i would say i would love this, but i would never be able to be with someone if i'm like that. no homo. 41. When was the last time you made the first move? ...Never 42. What is your opinion on electronic music such as dubstep or trap? it's ok :/. nothing is worse than country music, tho. 43. What was the last movie you watched? hidden figures 44. Do you like and appreciate your life? no 45. Do you like and appreciate yourself? No. 46. When was the last time you cried? on saturday 47. What are you scared of? rejection and thunder storms 48. What is the most embarrassing, cringe-worthy thing you have ever done? no let's not get into that tonight 49. What are some of your hobbies? makeup, editing stories 50. What is a superficial yet annoying mistake you constantly make? overthink and over analyze 51. Are you a good friend? What makes you a good friend? If not, what makes you a bad friend? i would say i'm a decent friend. i'm extremely loyal and supportive, but at the same time i will shut u out if i'm sad and be really clingy. 52. Do you honestly learn from your mistakes? no. same ol' mistakes - rihanna 53. What have you learned the hard way? she wasn't shit 54. What is the most important thing to have in order to attain happiness? friendship 55. Which medium do you use for expressing your artistic emotions? (Singing, writing, etc.) i write a fuckton l56. Are you a creative or a logical thinker? logical 57. What is the smartest thing you have ever done? get a job 58. What is your ideal meal? sushi 59. What is the worst thing someone could do on a date? tell me they're a republican 60. Do you like animals? Which kind is your favorite? DOGGIES 61. If you could turn one legal thing illegal, what would it be? discrimination against transgender citizens/denying access to preferred bathrooms 62. Do you have any guilty pleasures? i really like the kardashians 63. What is the best thing that the internet has ever created? the kardashians 64. Do you like playing video games? Which video games? i like playing overwatch when i'm at my dad's house but i rarely come over there 65. What is your opinion on beauty in today's society? do what ya want hoe 66. Are you a morning person? When do you usually wake up? i usually wake up at around 7:30 on a weekend but you won't find me walking around because i'll stay in bed until 10 67. Do you have a favorite Disney movie? Character? i love ratatouille, but my favorite disney character will be tiana from princess and the frog because i love her. 68. Would you rather live in the city or in the countryside? in the city. i want to live on a skyscraper. 69. Would you rather live near the ocean or in the mountains? near the ocean because beach towns are so cute. 70. What are the best things about winter? how it's not 1000387377227° 71. What scares you most about the future? rejection from colleges, and any relationships i attempt to peruse. 72. What makes you feel old? ratatouille came out ten years ago 73. How many hours do you spend on the computer or phone on average? 24 74. What are some of your New Year's resolutions? i don't make those they're annoying 75. What is your life story in 6 words? really really really really emo 76. Describe yourself in one word. ugly 77. What bad habits do you do? um it should say *do you have, but i guess i tend to put myself down a lot whenever someone compliments me. and if i'm having a bad day and someone says something mean that's suppose to be a joke, i start crying. 78. What genre of music do you listen to? everything except country 79. Most prominent childhood memory? my dad's last day before he moved out 80. Imagine if you had an older brother. If you already have one, what is it like? If you don't, how would this change your life? no thanks 81. Spirit animal? sloth 82. Do you believe in horoscopes? sort of? i didnt until i realized i hate capricorns 83. What is the worst advice you've ever been given? just stop being sad 84. List the 3 most important people in your life right now. that's hard i have a lot of people i care about so imma add one more -dana -sierra -sarahi -chloe 85. Favorite memory of your family. hmm not really 86. What do you look for in a relationship? someone who likes me back, loyalty 87. Do you have a role model? Why or why not? i don't pay attention enough to look up to someone 88. What is your opinion on social media? i love it 89. Are you a pessimist or an optimist? both, it depends on the environment 90. List some things that you think are overpriced? M👏🏼A👏🏼K👏🏼E👏🏼U👏🏼P 91. What is your worst memory or creepiest experience? well earlier today when i was closing this people stood out the door waiting for me to come out it was really weird 92. What superpower would ruin the world? being able to read minds 93. What is something you swore you would never do when you grew up, but you did anyway? date girls hdhshshns 94. What lessons have you learned from movies and which movies were they? girl i am too tired for this 95. If you could travel anywhere, where would you go? i would go back to costa rica ❤ 96. How do you approach people? i dont. 97. What is your opinion on first impressions? what does this even mean 98. What are some things you did as a child that you no longer do? dance the cha cha slide. i'm too embarrassed to do it now. 99. What languages can you speak? english and most spanish 100. What do you think society will be like in 30 years? i feel like it'll be a lot more progressive. my 101. What do you do on your lazy days? i just lie in bed 102. What ended your last relationship? well as for my last real relationship it ended because i was really sad and so were they 103. Favorite food? sushi or chiles rellanos or hot wings 104. What is the most terrifying dream you've ever had? most of my dreams are terrifying in that i either get rejected or people leave. what's new? lol. 105. When was the last time you got seriously angry? like two weeks ago i read a text and i got seriously angry and had a suicidal episode 106. What was the last friendship you broke? i dont....know... 107. Do you have any pet peeves? i hate hearing people chew, or people talking over me 108. Who was the last person you gave a hug to? no one gives me hugs. 109. When was the last time you got seriously stressed? like this morning jdhsbsbsb 110. What part of your personality do you want to change? all of it. i want to be a cold distant bitch who is likable. i also want to get rid of my depression 111. Who is the most positively influential person in your life right now? everyone stay negative 112. What is your biggest motivation? this question is grammatically confusing 113. What did you want to be when you were little? a vet or a singer 114. What are some things that you are good at? im pretty good at my job, and doing reading/writing stuff 115. What is one thing you want to be good at? math 116. What distracts you the most, especially when you're trying to work? my phone definitely 117. How important is privacy to you? very. i hate nosy people. 118. If you could create one social norm, what would it be? don't be nosy kiddos! 119. What's the craziest lie you've ever told? i'm straight 120. What story do you like to tell about yourself at parties? i don't go to parties, but when i do i do not talk about myself, or talk at all 121. What is the lamest thing that you have seen someone do? ummmm i don't know how to answer this 122. What is the stupidest thing you've done to impress someone? i will spend all of my money on people or things to impress others, it's ridiculous. i'll pay for dinner if i'm trying to impress a friend, or just waste my money. 123. What is your morning routine? spray myself in rose water. get dressed. Maybe MAYBE do some makeup 124. What's the last thing you did that is worth remembering? taking photos with sierra 125. If karma was coming back to you, would it help or hurt you? help i believe. i'm not doing anything shitty rn 126. What is your opinion on playing "hard to get?" i will honestly drop you so quick if you do that to me and i find out. i have no tolerance for that shit, i will not fall for it, and i will leave your ass. 127. What are the pros and cons of straightforward? pros: sends the message, makes things quicker cons: getting offended, no fun 128. What do you consider "leading" someone on? BROOO DONT SVEN GET ME STARTED ON THIS SHIF WHERE DO I EVEN FUCKING START OHHHH NY GOODDDHDHDHSHS BITCHDHDHSHSBS IM SGEJSNSBSANSBSBBVSSBA 129. Are you the friendzoner or the friendzoned? both, but mostly zoned. 130. What do you admire most about your friends? their intelligence. i'm so jealous of them, but i admire it. 131. What do you admire most about your family? their strong work ethic 132. What is your opinion on "going with the flow?" it's so hard to do, no gracias. i need structure 133. Do you enjoy talking or listening? listening 134. When is it time to end a friendship? when it's causing deep painful and emotional harm to you, it's abusive in a sense 135. What is the worst excuse you've ever come up with? "i'm just stressed out" 136. If GPA didn't matter, what courses would you have taken? delta, so i could study hospitality and tourism dhshhsejsh 137. What are your favorite baby names? babies are gross 138. When was the last time you had a deep conversation with someone? when i went to the park with dana on monday 139. What instantly ruins a conversation? dry ass responses 140. Biggest turn ons and turn on offs. turn on's: buying me tonight's, hugs, touching, eye contact, laughing turn offs: distance, being ignored 141. Biggest disappointment. rejection by ******* 143. When did you last do something outside of your comfort zone? when i talked to wheatsville 144. Prized possession(s)? my costa rica ticket, my makeup collection 145. What is your opinion on second chances? it depends on what they did to fuck up 146. Text or call? text 147. What do you like about the 21st century? my phone 148. What advice would you give to yourself 5 years ago? don't date until ur mentally stable 149. How organized are you? ask sierra 150. Favorite mode of transportation. car

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