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gratiasancti · 5 years

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100 PERSONAL QUESTIONS

because @ineffablequestion decided to really put my patience to the test today . not that i mind , ily .

1. What is your middle name ?

maria

2. How old are you ?

23 as of right now !

3. When is your birthday?

oct. 19th

4. What is your zodiac sign?

libra waddup

5. What is your favorite color?

i don’t really have one ? muted colours probably

6. What’s your lucky number?

again, can’t say i have one but maybe 29

7. Do you have any pets?

a dod and a horse

8. Where are you from?

finland / uk

9. How tall are you?

174 cm

10. What shoe size are you?

eu 39-40

11. How many pairs of shoes do you own?

like seven, if you don’t count my collection of riding shoes and boots. oxfords, brogues, wellies, trainers, and the rest are probably heels. as for riding boots, a lot.

12. What was your last dream about?

that i was late from work and got thrown in a tar pit because of it. and then i sold my old history teacher 500€ worth of alcohol and lottery tickets.

13. What talents do you have?

none?? unlimited sarcasm, idk

14. Are you psychic in any way?

i’m not sure if i believe in this stuff

15. Favorite song?

honestly, anything from hippo campus or glass animals.

16. Favorite movie?

the grand budapest hotel

17. Who would be your ideal partner?

someone who counteracts some of my anxiety and excitedness with a calm and, when needed, firm character but is still funny and can be themselves. preferably someone who i feel is my intellectual equal, and we can share everything with each other. maybe a bit older than myself, but not by much. other than that, i really don’t care.

18. Do you want children?

currently, i can’t see myself ever having kids. just doesn’t seem like my thing. especially babies. maybe adopting or fostering could be an option, but only if i was sure i could give the child a good home.

19. Do you want a church wedding?

i don’t think i want to get married

20. Are you religious?

not particularly

21. Have you ever been to the hospital?

maaaaaaany times. multiple riding accidents, broken bones, a car crash. then just being an idiot in general. and chronic back problems.

22. Have you ever got in trouble with the law?

apart from once forgetting to pay for the underground and getting an 80€ fine, no.

23. Have you ever met any celebrities?

i’ve met and had dinner with two different finnish presidents and some other ‘upper class’ people but other than that, no.

24. Baths or showers?

one of those rain shower things

25. What color socks are you wearing?

i have no socks !!!

26. Have you ever been famous?

uhhhh not in the literal sense of the word but i’ve been infamous at school when i was like 15. made a meme of one of our teachers that went low key viral in our city.

27. Would you like to be a big celebrity?

definitely not in the hollywood sense of things.

28. What type of music do you like?

a lot of things. anything, really, depending on the time of day and if i’m feeling particularly emo.

29. Have you ever been skinny dipping?

that’s like the only type of swimming finnish people partake in. naked in the sauna, naked in the lake/ocean. so yes, multiple times a year jhdsnhb

30. How many pillows do you sleep with?

currently like five

31. What position do you usually sleep in?

either on my back or on my stomach. depends on what place hurts that day lmao.

32. How big is your house?

closer to 400 m^2 . i still live with my parents but will move into my own flat in six months, once it’s ready. that’s going to be appx 70 m^2.

33. What do you typically have for breakfast?

i know its a bad habit but i often dont have breakfast. if i do it's usually fruit and yoghurt or some toast.

34. Have you ever fired a gun?

yes

35. Have you ever tried archery?

yes. fun fact; my cousin has won the european championchip ( in some form of archery idk ) like twice , i think.

36. Favorite clean word?

defenestrate

37. Favorite swear word?

fuck. i use it Too Much™

38. What’s the longest you’ve ever gone without sleep?

can’t remember the exact amount of hours but we were sailing and our shifts got messed up to the point where i had either not slept at all or slept so little in like four days i was genuinely hallucinating. almost jumped into the sea because i thought i dropped my life vest,,, which i was wearing.

39. Do you have any scars?

a few. dumbest one probably when i rode in my shorts but used a saddle and rubbed the skin off of my calf. also from hay work, those little dots that look almost like moles.

40. Have you ever had a secret admirer?

not that i know of

41. Are you a good liar?

yes, unfortunately. it’s a bad habit in the sense that i tell a lot of white lies when i could genuinely tell the truth with no consequence. like, it would be the one and the same.

42. Are you a good judge of character?

also yes. i’ve seen some shit. also i have surprisingly good people skills.

43. Can you do any other accents other than your own?

i can speak english in my normal accent which is kind of queen’s english (?) upper class idk, then in world’s english ( so basically no accent / neutral ) and then in finnish (rally) english . i can also speak swedish with a rikssvenska (standard swedish ???) accent and then finlandssvenska which is finnish swedish (and an actual thing lmao). also i can butcher a norwegian or danish accent in swedish if i really try. my finnish is very neutral, but it does vary a bit depending on what city i’m in.

oh, and also a shitty southern american accent.

44. Do you have a strong accent?

if i let it shine through, yes, but i tend toward world english because anything else scares finns. but when i speak finnish (which is most of the time) i don’t really have an accent. maybe you can hear that i’m not 100% finnish but that’s about it.

45. What is your favorite accent?

i don’t really have one ! all accents are really fascinating.

46. What is your personality type?

entj-a

47. What is your most expensive piece of clothing?

i have a few expensive dresses, and then of course my riding clothes which cost ridiculous amounts of money because fuck everyone who likes horses, i guess. like excuse me but why is it normalised that you pay over 1000€ for a helmet??? anything less and you’re a peasant.

48. Can you curl your tongue?

mmmmyeah.

49. Are you an innie or an outie?

innie!

50. Left or right handed?

pretty much ambidextrous, though i prefer to write with my left but do everything else mostly with my right. my handwriting doesn’t differ too much from left to write.

51. Are you scared of spiders?

yes. ew. and we’re lucky to only have tiny ones in finland !

52. Favorite food?

ummmmm. currently carelian pie maybe?? idk such a good snack.

53. Favorite foreign food?

squints??? sushi????

54. Are you a clean or messy person?

depends. often too lazy to clean but incredibly stressed and uncomfortable when its messy. meticulous about all the wrong things.

55. Most used phrase?

either some form of keysmash or “FUCK”. also in finnish either “voi jumalauta” or “voi saatana” which both basically translate to “jesus fucking christ”.

56. Most used word?

also fuck. this really must say something about me smdh.

57. How long does it take for you to get ready?

really depends. sometimes 10 minutes, sometimes two hours. on a normal day w/ shower and moderate make up, 15-25 minutes.

58. Do you have much of an ego?

depends really. i hope i don’t!

59. Do you suck or bite lollipops?

whomst the FUCK bites lollipops ?!?!?!

60. Do you talk to yourself?

i’ve only recently started. it’s terrifying.

61. Do you sing to yourself?

when driving if i’m listening to music, yeah

62. Are you a good singer?

honestly, no clue. i don’t really sing in front of people so i haven’t gotten opinions.

63. Biggest Fear?

failure.

64. Are you a gossip?

not about my friends, ever. but i will definitely listen to any tea you want to spill.

65. Best dramatic movie you’ve seen?

idk does kingsman count as dramatic?? the first one was hilarious.

66. Do you like long or short hair?

both have their perks!

67. Can you name all 50 states of America?

LMAO i can name like 3 if i really try.

68. Favorite school subject?

history, english lang & lit, economics.

69. Extrovert or Introvert?

extrovert but i get tired easily

70. Have you ever been scuba diving?

yes ! we go to the maldives once in a while, because finland doesn’t offer much in terms of diving sites.

71. What makes you nervous?

not a lot of things? i guess some responsibilities. things left for me to do even if someone else was supposed to do them.

72. Are you scared of the dark?

a dark room ? no. a dark forest at midnight ? hell yess. finnish winter darkness is terrifying simply because its so depressing. seasonal depression is real yall.

73. Do you correct people when they make mistakes?

depends. if it’s a trivial mistake and they haven’t asked to be corrected, no. if it makes me or someone else feel bad or just makes any situation worse, then yes. but never unkindly.

74. Are you ticklish?

YES. ugh

75. Have you ever started a rumor?

no. i can’t recall doing so, at least. but i have participated in spreading them.

76. Have you ever been in a position of authority?

yes. at work a couple of times simply out of necessity and also when i took part in MEP. was committee president twice and president of the general assembly once. though idk if that counts since i was like 17 and its all p much play pretend.

oh! and also when i captain our boat. but again, idk if that counts.

77. Have you ever drank underage?

yeah, ever since i was like 16 :/

78. Have you ever done drugs?

no, and never will. not my thing !!

79. Who was your first real crush?

probably a boy from class. i can’t remember, really. i’ve never been too ‘romantically inclined’ i suppose.

80. How many piercings do you have?

just my ears, once.

81. Can you roll your Rs?

almost every r in the finnish language is technically rolled so yeah. i feel bad for those finnish people who cant !! makes everything so hard.

82. How fast can you type?

according to this thing 75 words per minute on my first try, so idk how accurate that is.

83. How fast can you run?

not fast. i hate running, and am very out of practice.

84. What color is your hair?

idk ? like, light brown ?

85. What color are your eyes?

again, idk. blue/green/grey

86. What are you allergic to?

dogs, cats, birch, and almost anything that flowers in the spring jshbdsjh

87. Do you keep a journal?

not a journal per se but i have a ‘little black book’ which i keep rather meticulously about my thoughts on the day, important things i need to remember, my expenses etc. a habit inherited from my dad. i’ve gone through like six of these in the past few years.

88. What do your parents do?

my mum is a mayor and my dad is a ceo

89. Do you like your age?

yeah !

90. What makes you angry?

injustice.

91. Do you like your own name?

yes !

92. Have you already thought of baby names, and if so what are they?

ksjdsjhb no. at this rate i’d end up naming a child crowley or sum shit

93. Do you want a boy a girl for a child?

i don’t want kids but if i did gender would be a non issue

94. What are you strengths?

lmao i have good people skills, work well under pressure, get along with everyone, am determined and ?? a good leader??? idk

95. What are your weaknesses?

i take on too much responsibility, i have anxiety and depression, i get frustrated at my own failures, i’m very self-critical and unforgiving. also no self-control when it comes to rp.

96. How did you get your name?

i think somewhere from my dad’s side, not entirely sure.

97. Were your ancestors royalty?

possibly? not sure. but fun fact! a great great grandmother (? or something of the sorts) from my mother’s side actually survived the sinking of the titanic.

98. Do you have any scars?

wasn’t this asked already?

99. Color of your bedspread?

this blue mandala like pattern idk

100. Color of your room?

white and a very mellow blue

#ICB I JUST FUCKING DID THIS #◜ / · ❛ 𝖆𝖓𝖌𝖊𝖑 ◞ ooc.

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beanerbrujx · 6 years

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FAQ:

First things first, check this tag to see all the asks I've already answered that may not be covered here as frequently asked

Are you open to IMs?

Always! I love conversations, even if it's with ppl I don't follow/don't follow me, I love talking to ppl

That being said, I have 70+ unanswered IMs, usually it's because I forget to reply and then too much time passes by the time I remember so I just.. don't continue the convo 😅

Where are your scars from?

In Oct of 2014, a drunk driver hit me when I was on my way to work (I was walking, he drove onto the sidewalk)

Not gonna give graphic details but long story short: I'm permanently disabled with more than a handful of issues as a result of some asshole being a damn idiot (don't drink and drive kids)

How are you disabled?

Again, I'm not gonna go into major detail, but I have a fucked up right hip/leg/knee, major stomach issues, and a weak heart as a result of the accident

I have chronic pain, fatigue, all that good shit

I also sustained brain damage which results in short term memory loss, and issues with word association/language, so if my sentences aren't making sense or if I forget something that happened, chances are that's the reason

My weak heart means when I say if get too stressed I can die, it's not an exaggeration lmao

You can check out my actuallydisabled tag where I bitch about it

How do you track IP addresses?

Here's a posted tutorial

Here's the mobile version

What are your gender/prefered pronouns?

I'm both genderfluid and nonbinary, and my pronouns are they/them

Here's a more detailed post about my gender identity

I'm very uncomfortable with gendered language, this includes insults such as 'bitch' or 'cunt' because they're both misogynistic in nature and reserved for women in society, regardless of personal usage, I see it as a form of misgendering

This also includes words like “Sweetheart” “Sweetie”, they make me highly uncomfortable because I see them as gendered, however I’m not bothered by “Dude” or “Bro” but that’s just me

Do you work/what's your job?

Unemployed at the moment due to my disability, I do commissions and sell things on both Etsy and Redbubble to make an income

How long have you been married?

Got hitched in Jan of 2016 in Seoul 🇰🇷

How old is your daughter?

She was born in Dec of 2016, you do the math

Why do you hate X character/X ship?

If I hate something, I will have an anti tag of it, just look up 'anti x' and you'll find the answer

What type of witch are you?

Mostly forging, as in, I practice with items I gather or grow, be it flowers, herbs, feathers, or stones

I also practice tea/herbal healing and gemstone healing, as well as make/bless charms (which I sell)

I follow the moon phases and due spells accordingly

I dont have a familiar yet, but plan to get one once I have my own home and can properly take care of one

Why do you smoke weed?

Chronic pain, anxiety, insomnia.. theres like an endless list of reasons tbh?

I smoke maybe 2-3 times a day, depending on my flarups and stress levels

I'm very pro marijuana and highly recommend it as an alternative to prescription medication, however, I also recognize that its not for everyone and would never force it onto any other person

Who's @artisticsnowfox?

My best friend irl, we met a few years back and now they're basically my daughter's uncle

They're also an amazing artist that does commissions that y'all should definitely check out

Also consider donating to their Top Surgery Fund

How can you be married if you're aro?

Simple, while I don't feel romantic attraction (which idk if it's caused by childhood trauma, my aspd, or my brain damage ¯\_(ツ)_/¯), I have always (ALWAYS) wanted a family, I've always wanted a child, and marriage isn't just about romance, imo it's more about loyalty and compatibility, and my spouse and I vibe hella well, they're legit my person, and, I also fully disclosed the fact I was aro before marriage and my spouse was 100% okay with it so I don't think it's 'wrong' of me to have a friend that I happen to have matching wedding rings and a child with

You can't call yourself gay if you're het married

Not an ask but I've gotten this hate message often enough so here's my reply: shove it up your ass

#don't reblog

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risemanrise · 7 years

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Writing challenge!

Guuuuyyyssss!!!!! We're so close to opening!! And what better way to celebrate that than to give out random prizes to lucky members?? Last time the challenge was all about images and moodboards, this time we thought we'd do it a bit differently: A writing challenge!

We'll be giving a few prompts and then you guys can write a small snippet about it. It should be short, no more than 200 words, with no minimum word count. The winner will be chosen at random, and we'll be giving 100 Points* to a character of their choice (and maybe an achievement to everyone who participates, wink wonk ;;)) )

The winner will be chosen on Oct 12th, 14PM GMT -3

PROMPTS:

A Childhood Moment

A Fear

A moment that made your character cry

Insight on the Character x Parent(s)/Sibling(s) Relationship

* - points will be the board's OOC currency, for buying various things such as more character slots! They will generally be gathered via IC posts.

Have fun everyone!! We're looking forward to reading your creations!

Dont forget to tag your submissions as #risemanrp so we can track them, or directly link us to them via Discord!

#risemanrp #challenge #writing

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jiminnieblues-blog · 7 years

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get to know me tag(s)

yoo so recently i’d been tagged to do three get to know me tags, and i dont want to make three separate posts for each so im gonna combine all of them in this one post which is under a cut bc……….its really long LOL anyways i was tagged by @lovhobe, @elementaljimin, and @protectkimtaehyung thank you so much guys!!!!!!!!!!! <333 im glad i got to know yall better asdfgh

im tagging @jiminslipgloss, @jxxminmols, @kismet-soo, @baeklipse, @sonyeondn, @neckatie, @kihyunswife and @bulletproofbookworm you guys are welcome to do however many of these you want lol i just didnt wanna tag people separately for each tag

i was tagged by @lovhobe to do the 20 questions one tysm!! instructions: answer the 20 questions and tag 20 amazing followers you would like to get to know better. (lol yall already know i aint tagging 20 people)

name - zara

nickname - um a few of my friends like to call me zar-zar and i get called zaro by my family a lot

zodiac sign - cancer

height - 5′ 3″

orientation - straight

ethnicity - pakistani

favorite fruit - pineapple i think

favorite season - fall

favorite book series - idk um i’ll be that person and say harry potter lol i cant rlly think of a good series rn but my fave book is the kite runner

favorite flower - i dont rlly know a lot of flowers but i like roses and the vibrant colors that orchids can have

favorite scent - fresh laundry

favorite color - purple

favorite animal - zebras?

coffee, tea, or hot cocoa - hot cocoa

average hours of sleep - five

cat or dog person - i like both but i think i like cats a little more

favorite fictional character(s) - this is hard bc i used to be in a lot of fandoms asdfghjkl draco, red & gold, percy, bakugou, link and i have more from all the drama i watch but the list will be to long lmao !!!

number of blankets you sleep with - three

dream trip - idrk?? somewhere out of the country i guess i dont leave the us unless im going to pakistan lol

blog created - i had to check my archive lmao but i made this blog in oct of 2015

number of followers - :^)

NEXT i was tagged by @eternaljimin for the get to know me tag tysm !! there werent any instructions just.........answer the questions lol.

a - age - fourteen lmao.........................

b - biggest fear - tight spaces

c - current time - 10:35 pm

d - drink you had last - water

e - everyday starts with - getting out of bed??

f - favorite song - im saying this just bc it just came out but RUMOR BY KARD IS A BOP WATCH IT AND SUPPORT THESE LEGENDS

g - ghosts are real? - idk my dude

h - hometown/country - us

i - in love with - jimin?

j - jealous of - i was just watching sbs kpop star and there are these two kids who are eleven yrs old and are so talented i wish i was talented you feel

k - killed someone - why would someone even ask this akshf ofc not

l - last time you cried - i think i cried today lmfao

m - music you last listened to - RUMOR BY KARD

n - newest thing you bought for yourself - i think the last thing i spent my money on was cheez its from the vending machine @ school ajksf

o - one wish - i wish my life went smoothly and that i wasnt mentally ill?? lmao

p - person you last messaged - @jiminslipgloss :)

q - questions you get asked often - since i wear the hijab i get a lot of questions abt that i also get questions on my rbf like ‘why do you look so depressed all the time’ asfkjkj

r - recommended (movie? series? book?) - i just remembered that i read this book called this blinding absence of light and it was rlly good a little explicit but it was a damn good book i rlly wanna re read it

s - song you last sang - i dont rmbr but it was probs a track from hamilton lol

t - thanks, last person you said thanks to - the waiter that gave me food @ a restaurant i went today

u - underwear youre wearing - not sure what this is asking but im wearing a purple one rn???

v - vacation, your dream vacation - i dont rlly have one lol

w - worst habit - idk if this counts but i lose my temper a lot? is that a habit? if not i tend to space out/get distracted a lot esp in class

x - x rays youve had - my teeth, my ankle, a few of my fingers

y - your favorite food - rice !

z - zodiac sign - cancer

for the third one i was tagged by @protectkimtaehyung for the seventy questions tag tysm!!!!!!

do you have a good relationship with your parents? yeah

who did you last say i love you to? um listen im rlly not tryna be edgy but i seriously dont rmbr the last time i said ily irl

do you regret anything? i regret a lot of things lol

are you insecure? unfortunately

whats your relationship status? single

how do you want to die? asdfghjkl um a painless death i think

what did you last eat? rice

played any sports? i used to play tennis and swim but now i do kung fu

do you bite your nails? no

when was your last physical fight? i kind of have......to fight in kung fu so like when i last had class lol

do you like someone? no

have you ever stayed up forty-eight hours? yeah

do you hate anyone atm? i tend to hate a lot of ppl lmao?

do you miss someone? uhm i dont think so

have any pets? no :// i used to have parakeets but i gave them away and i just recently found out that they passed away :(((

how exactly are you feeling right now? i was kinda happy but since its sunday night im starting to feel shitty bc i dont want to go back to school tmrw afjh and im rlly tired

ever made out in the bathroom? no

are you scared of spiders? yeah lol

would you go back in time if you were given the chance? this is an interesting question bc it depends like if i were given just one chance then mayyyybe id go back and change smth i did that was stupid but if were given the chance to go whenever i want then probably not bc thats way too much pressure/commitment to have a power like that sdhfa

where was the last place you snogged someone? i havent snogged anyone lmfao

what are your plans for this weekend? sleep

do you want to have kids? how many? i dont want to have kids bc childbirth doesnt seem appealing to me but idk i might change my mind when im older/more mature

do you have piercing? how many? one on both ears

what is/are/were your best subjects? the only classes i have solid as in are art, lit, and w4p lol math and science are def not my thing

do you miss anyone for your past? from my past, yes

what are you craving right now? sleep

have you ever broken someones heart? in first grade some kid liked me and i embarrassed him in front of his friends to get him to stop liking me so yeah i was wildin in first grade

have you ever been cheated on? no

have you ever made a significant other cry? no

whats irritating you right now? my tiredness?

does somebody love you? oh geez i hope lmao

what is your favorite color? purple

do you have trust issues? yeah

who/what was your last dream about? um i dont think i remember v clearly

who was the last person you cried in front of? my mom

do you give second chances out easily? i dont think ive been in a situation where ive had to but i probably wouldnt

is it easier to forgive or forget? wow um can i say neither lol

is this year the best year of your life? definitely not

how old were you when you had your first kiss? havent had one

have you ever walked out naked? no

favorite food? rice

do you believe everything happens for a reason? hmmm probably idk man i dont think too hard lol

what is the last thing you did before you went to bed last night? scrolling through this hell website

is cheating ever okay? no

are you mean? i probably dont come off as mean online but im not gonna lie i def get mean irl

how many people have you fist fought? i dont think ive been in a situation where i had to punch someone?

do you believe in true love? ive never experienced romantic love so i wouldnt be able to say but probably aajkf ive read/watched too much and analyzed too many relationships for me to say love is real but...........love isnt real yall

favorite weather? when the sun is covered by clouds and its a little chilly

do you like the snow? ive only encountered snow like twice so idk but i feel like i wouldnt like it very much lol

do you want to get married? idk man

is it cute when someone calls you baby? pet names arent rlly my thing lol

what makes you happy? sleep...........im rlly tired rn

would you change your name? no

would it be hard to kiss the last person you kissed? this is an interestingly phrased question lol. well i dont rmbr the last person i kissed so idk

your best friend of the opposite sex likes you, what do you do? wow that would be rlly sad LMAO but id turn him down and tell him to get better standards wtf

do you have a friend of the opposite sex who you can act your complete self around? well they wouldnt be considered my friend if i couldnt act like myself around them so yes

who was the last person of the opposite sex you talked to? i just texted my friend so we can play video games aslfkh

whos the last person you had a deep conversation with? literally the same dude from the last question lol

do you believe in soulmates? um no i dont think so?

id there anyone you would die for? my family/friends

thanks everyone again for tagging me !! <33

#mine #txt #WOW THIS TOOK A LONG TIME !!!!!!!!#also thank you guys so much !!!!!!!#i love you all <333 #@ my mutuals i tagged pls dont be pressured to do this lmao #idk i thought it was fun #tagged #EDIT: IM RLLY ANGRY BC I JUST REALIZED THE PPL I TAGGED DIDNT GET THE UNDERLINE THINGY SO YALL DIDNT GET THE NOTIF THAT I TAGGED YOU !!!!!!!#if ur seeing this now i made this a few days ago sorry lmao

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unlikelydreamlandcreation-blog · 6 years

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I'm planing on financing a car and my father will Co sign. Can he put the car under his insurance I am only 18 years old so insurance just under my name is extremely expensive or is there a way he can be a Co owner of the vehicle if so how ?

Is motorcycle insurance normally cheaper than car insurance?

For example if I wanted a Kawasaki Ninja 250,compared to a Toyota Corolla?""

Can an insurer refuse me insurance because of a secondary drivers record?

I am a new driver, I am now insured with a different company but am not happy with how much I am paying. Now, When I first got my vehicle I did a quote with a different insurance company, I was pleased with the cost of insurance, so I decided to try to go ahead with their insurance policy. It took 12 days for this company to contact me back, that's only because I called them questioning about the progress. Now the wait didn't bother it is the fact that the refused me. I know that as an insurance company they have the right to refuse an insurance policy, but it was the EXCUSE they gave me that infuriated me. Now let explain the situation as clearly as I can. I am a new driver, I am still living with my dad so I was obligated to put him onto my insurance plan because we are living int he same building and both have access to my car, as a new driver I have 0 tickets, 0 cancellations of insurance (have had previous insurance for a motorcycle with the same company) and I must also put 0 experience. now my dad has over 30 years driving experience, but he had 1 ticket in the past 3 years. So this is what the insurance company said to me on the phone, We are refusing your policy because you are a new driver, and your secondary driver has had 1 ticket in the past 3 years. Me, and my father both think that this is just an excuse to not insure a new driver. I am insured now and have been for the past several months driving everyday to and from work, my insurance is getting a bit costly now and am thinking of trying the other company again. I would like to know, Can the insurance company refuse me for those reasons? And would you recommend trying that company again after a few months have past or try to find cheaper insurance elsewhere?""

Classic car insurance companies?

No insurance and expired tags in kentucky?

I got a ticket for no insurance and expired tags in Louisville Ky, I've never neen in any trouble before with anything not even a parking ticket I just could'nt afford the insurance and tags. Whatare the chances of serving jail time for this? I know inKy, it can pack a 90 day sentence please answer I'm kinda freaking out.""

What does Enterprise car rental insurance cover?

We rented a car for a week and we got the basic coverage for our rental car. Yesterday we stopped at a crosswalk when we saw two people and were then hit full speed by a pickup truck. It totaled the rental car and thankfully were are ok. As we were sitting there it was told to us that a witness said there was no one at the crosswalk when it happened and the witness filled out a report. I know what I saw and it hurts that people would be so dishonest. By the end of it the officer said no citation would be issued. I think the police are going to say it was my fault for stopping to quickly. I think that's ridiculous but anyway. If I have the basic car rental insurance and they say its my fault, will the rental insurance cover all that? Thanks for any responses. I am still shaken up!""

Who should get my fathers life insurance?

My father passed away on Jan, 5th 2013. He has a paid in full policy amounting to $100k. When we figured out that my mother (his ex wife) was left the sole benifecary, we filed a claim. The insurance provider (John Hancock) denied our claim based off of a CA law that states if the claimant had been divorced, they essentialy get nothing. However, it clearly states in their dissalution of marriage, that life insurance should not be affected. My father would have wanted his children to have this...What action can I take, or should I just forget about it?""

How much do you pay for insurance for your car?

Cheapest bike insurers?

got my provisional bike licence, going to buy a bike in oct hopefully, where can i go to get the dirt cheapest insurance, im getting third party only, and any tips on how to keep prices down?""

2500???? Car Insurance!!!! HELP!?

I passed my driving test yesterday and have been looking for car insurance but the cost is crazy. 2500 I was quoted by Aviva and 3200 by my bank. I can only afford a car upto about 800, I'm never going to be able to pay that much. Do I go fully comp or the other one? (I don't even know what these mean). Does anybody have any advice? I could really do with it. Thanks in advance.""

Estimate on car insurance for this car?

Okay, I'm looking to get a used 350z for my sixteenth birthday. I know car insurance is going to be really high for it being a sport car and for me being only 16, but I'd like an estimate to see where I'm going with this and I'm not sure how to do it myself. :) Here's a link to the car: http://www.nissanusa.com/z/index.html""

Estimated insurance on 2007 alfa romeo 147 1.6?

hey just need a estimated quote on above car. Its insurance group 11, I am 18 and this is my first car. I am willing to do whatever is needed to get the quote down I just need a estimate prehaps from past experiences? Thanks in advance for any answers.""

Something in lieu of insurance?

I have been working part-time for a company and about to become full-time. One of the concerns that was raised is that insurance will be expensive. He pays 100% of everyone's insurance for their families. I suggested that we can revisit the insurance in a year and do something else in lieu of the insurance. Less costly. He also pays for parking for the employees. I'm not sure of what to ask for though. I was thinking a gas allowance but I wanted to have a few ideas to present in case he shoots one or more down.

I have no insurance and need an abortion?

Please dont judge im young and recently found out im pregnant. But im not ready for a baby... I would love to keep my child but if my parents ever found out they'd literally disown me. I have no insurance and I dont know how much an abortion would cost. I was thinking about getting the abortion pill still not sure. How much would that cost?I checked online but it didnt say anything about abortion.

Who'd rather have health insurance than Free National Health Care

Despite the imperfections in the system (and there are plenty) I'll keep what I have rather than Micheal Moore's fictitious nirvana of government run health care.

Is Geico auto insurance liability only?

Is Geico auto insurance only liabilty coverage or do they have full coverage also?

Considering suing my car insurance company?

As we all know car insurance companies in the United States of America charge males more than females to drive a car based on real world studies . This is the equivalent of not hiring females because they may get pregnant and take a lot ofdays off... Because this is truly a real world study i conducted that males dont get pregnant as often as females. So I am highly tempted to bring this up with a lawyer or at least send a letter to my car insurance company, and i want them to hurt for it because frankly it pisses me off that i am being descriminated against. Further more, in europe, this practice of charging males more because they are more likely to drive is highly illegal. I am in no way a liberal democrat but if this sensitivity bullshit is going to stop descrimination than maybe they should give a **** about me before i start caring about them...""

Cheapest auto insurance rate in NJ ??? I have a perfect driving record....?

I just moved from Boston and don't know what companies are the cheapest ??? Any suggestions ??

Insurance agents in Chennai?

if you know any insurance agents in Chennai help me?

Will my speeding Ticket affect my insurance rates?

I live in Iowa, I am 17 years old, and I just got a speeding ticket from a state trooper for going 84mph in a 65 zone. I am insured with State Farm and have no history of any accedents or tickets. Right now I am recieving the good students discount and the safe driver discount and I was woundering if this would affect my insurance rates on a 1996 Mercedes-Benz black with aproximately 210,000 miles. Thanks""

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Best and Cheapest Motor Trade Insurance UK?

Need Motor trade insurancefor first time motor trader whats the best and cheapest im in London Uk, thanks.""

The anybody have auto insurance with the general auto insurance?

I'm looking for a cheaper car insurance, I have progressive it suppost to be cheap and now it can higher. I heard about the general but I want to know if it really cheap. Anybody""

Can't afford the insurance on a car I just bought.?

I can't afford the insurance on a car I just bought yesterday, I had made quotes before and one of them was in my price range for full coverage since I am making payments but I didnt realize until now it was for liability. Am I able to take the car back with no penalty or will it hurt my credit?""

Outraged by auto insurance companies?

I had an accident on may 8, 2009, It was not my fault and the woman I had the accident with accepted her fault. I got the information of the insurance company. The loss defined by an automotive company, but never paid until now. More than three months passed,I always call insurance company, but they are always saying lies and fudging, is there anyone faced with same situation? I do not know what to do.""

""Hit a mailbox, will cost $2,500 to fix, how much will my insurance go up?""

The other night i crashed into a mailbox. It was completely my fault and it will cost $2,500 to fix it. I was wondering how much my insurance premium will go up per year about? I am 20 years old and have gotten 1 ticket before.""

Can a cop pull you over for no insurance?

I am going on a 2 week road trip to go see my newborn nephew and my biological family. I was laid off 2 months ago ad just got a new job. My insurance was canceled due to this back in may. I am going with my girlfriend too but taking my car because it is more reliable.

Car Insurance for a 19 yr old male?

I'm going to be buying an black 03 Cadillac CTS and I was wondering about how much my insurance would be. I've been driving since I was 16 with no tickets or wrecks. Can anyone give me at least an estimate on what it might cost? I will be using it mostly to drive back and fourth to work.

How much would teen car insurance be monthly?

I just got a job and I'm looking to buy a car around December... The car will be worth 1200-1500... I'm 16 years old and haven't had any accidents. Around how much would my car insurance be a month?:) thank you!

CAR INSURANCE - 2nd driver?

My sister who recently passed her driving test would like to buy a car, problem is car insurance quote comes up to 3000, which is too much! So i was thinking to get the insurance in my name, and put her down as secondary driver. I already have another car, where i am also primary driver. If she crashed her car, would this get flagged up under my insurance, although she crashed it....i dont want to pay high insurance for the rest of my life for her mistake or would it come under her record??""

Affordable health insurance for self employed?

My husband is selfemployed and we want to get an affordable family insurance or possibly just an insurance for me. I a m a nurse but I only work part time and my company wont cover me for insurance. any good health insurance companies that we can get and would cover maternity care in the future?

""How much should $25,000 worth of life insurance cost for a healthy 44 year old non-smoker male?""

weekly,bi-weekly, yearly...whatever?""

What is a good cheap auto insurance company?

I had missed some payments from geico a while back, and havent had insurance for a couple months so now it is getting more expensive to get another insurance, but I need just a cheap, basic policy with minimum liability and collision, any suggestions/""

I want to cancel my life insurance for a better one can i get my money back that i put in on it.?

are we allowed to get money back that we put towards life insurance.. if so how long do u have to have the policy to qualify for this. mines is only 7 months old. thanks.

Health Insurance Question?

I am 19, and I am Diabetic. I would like to move out of my parents house, and start living independently. Is there any Health Insurances out there that are government run that could help me get a cheap Insurance rate? Oh, and I live in Ohio if that makes any difference.""

Cobra or individual health insurance?

If I loss of group health insurance due to end of employment, but the company offers Cobra plan which is too expensive for me, can I get the individual health insurance or I have to stick with the Cobra plan? I live in NJ.""

Car Insurance 10 pts. best answer!?

What are the parties to an insurance policy. So far i've got policyholder, and underwriter what are some other ones? thanks""

How does insurance on a leased car work?

im getting my license soon and was wondering what the best and cheapest option in terms of buying, leasing or buying used is for me. im 16 so insurance is going to be high. i only need a car for 2 years, after that ill be in college and dont see a point in having a car. so i thought why not just lease a car, but i heard when you lease a car the insurance is high for it. my question is how does a lease work? is the insurance for it high already without me being 16 a factor? do you sign up with a dealership insurance or use your own plan? Thanks for the help""

How much should I expect to spend on full coverage auto insurance on a 2013 Cadillac Escalade ESV Platinum?

I am 15 years old, my grandfather is buying me a 2013 Cadillac Escalade ESV Platinum ($85,000 MSRP) for my 16th birthday. My mom told me she would only put $200 per month towards insurance and I want full coverage. I know I will have to get a job to cover the rest of the insurance but I'd like to know a range of what other people are paying for theirs. The car is going to be in my mom's name who has never had a ticket or accident and I will be on her insurance policy, does that help? I know nobody can tell me for sure what my insurance rates would be, so can you at least tell me what yours are (if you have a Cadillac Escalade ESV)?""

What will my insurance do?

So the other day a car slammed on their brakes and I hit their bumper. It was a Mercury Sable.Not sure the year right now...prob 98-02. It was a young girl and her 4 friends. They were obviously under the influence of weed. They of course did not want to call the cops. I said ok because I did not want a ticket or my ins rates to go up. We exchanged names and numbers. She called and my husband and I arranged that we would pay for half of the damages. Today she called and said her estimate was $870!! I only cracked her bumper...what should I do? Can I still file a police report? What will my insurance do if I go through them now?Thanks!!

How much will an Acura Integra GSR 4 door insurance cost?

Hey I was wondering how much an 1998 Acura Integra GSR 4 door insurance cost? I'm in Long Beach, California. It is going to be under my dad's name and I have persmission to drive it to commute to school/work. My dad refuses to buy the 2 door version of the Acura Integra GSR because he says the insurance is too high. By the way once again it's under my dad name he has a driving experience of 28 years with clear records no accidents, no nothing. Please help me since my choice is the 4 door. Thanks in advance!""

Can my mom insure my car she does not own (California)?

So I am 21 and have a car with a learners permit and I wont get a license until Jan. Can my mom insure the car even though her name is not on the registration until I get my license and will then be the primary driver? In this case I would only be driving with her under the learners permit guidelines. My mom would be driving the car on a daily basis to take my little sister to school and stuff because right now it's our family's only car. In Jan. I would have the insurance put under my name and have her added as a driver.

""I'm a independent freelancer, what can I do to get affordable health insurance?""

I live (rent an apartment) in Pittsburgh, PA. I do not require any life sustaining medication- what health care options are available to me and how do I go about getting it?""

What do you put on a car insurance quote when your penalty has expired?

i had a penalty for 3 years that ran out in 2008 but when i look for insurance they ask for any penalty for the past 5 years. Do i say yes even though it expired in 2008?

Does anyone know where to get affordable auto (liability) insurance for teenagers?

I am 19, & I live in Charlotte, NC & I have not been able to find car insurance for less than $800 for 6 months. I can afford to pay $600 (100 a month) but I have not been able to find an insurance company to give me such a quote. Do you know any? P.S. I drive a 2002 kia optima & I've only had my licence for a year""

What's a good sports car for a 16 year old that would have cheap insurance?

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Who the best auto insurance that dont cost too much?

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

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

Very simple for car insurance expert heeelp!!!?

hello thank you for entering in my post I've been in England for 2 years now but I've never driven here however I had driven for 11 years in my country but on the opposite side of the road and with a car with left-hand drive and I've never had an accident before to choose which car to buy I'd like to know roughly how much they would charge me for a 1.2 engine because if they will charge me too much I could opt for 1.0 engine or even smaller for my first 2 or 3 years and then when my isurance cost goes down I will get a bigger car I've alredy have a UK driving licence however, if I do a driving course with a driving school could I get a little discount for my insurance? any suggestion according this matter will be very appreciated thank you very much in advance for your help""

What are the best alternatives to Humana One for an individual?

I am a college graduate and my parents helped me with Humana One bills. I am about to work at my first post-college job but unfortunately they don't provide health insurance for part-timers. I am interested in more affordable but quality alternatives to Humana One especially for someone in his 20s. My alumni association mailed me info about GradMed but it is only a temporary solution and doesn't cover pre-existing conditions.

How much will it cost me to be insured on a 1.6 litre for an 17 year old?

im a female, I just passed my test and i have 5000 pounds to spend on a car. I want to buy a convertible ford street ka. How much would that be on insurance roughly? thanks""

""What are the cheapest companies to insure me as a 2nd driver on a 1.2 punto (MALE, 19, UK)?

I'm a 19 year old male living in the UK in Birmingham! I passed around a 2 months ago! The cheapest quote I found was 1600 on a comparison site but it's too expensive! Is it worth getting a tracking device and alarm and stuff fitted? How else could I lower my insurance?? Could you recommend any other cars I could get instead of a punto? (no higher than insurance group 5 and no more than 3000) THANKS! =]

""I'm 19, have a permit, but do I need insurance to drive with my mom?""

Ok I got a permit, I got it last year..it expires on April 30th. So I was wondering..if i go out and drive with my mom who has a license, do I need to get my own insurance as well? My moms car is insured. I live in California. I haven't driven a whole year because i can't afford my own insurance right now. Lol so do I need to get my own insurance even though my mom and her car are insured? If I get stopped by the cops will I get in trouble? Thnx in advance""

""How do I file an auto insurance claim and what exactly will happen to my insurance rate, deductible, etc.?""

My windshield was really frosty but I only had to drive like 20 yards to get where I wanted. So like an idiot, I start driving and run into a fire hydrant. This damages the front right quarter panel, the right blinker, and it may have also damaged the axel or steering column because I couldn't get my car to move after that. What do I tell my insurance company? and am I going to have to pay anything?""

How much would insurance be a month for a 1988 ford mustang gt for a 16 year old driver in ny?

hi i want a 1988 ford mustang gt 5.0 and i am 16 years old. i was wondering how much the insurance would cost a month. im in new york and plz no answers like alot or anything like that just an estimate. pl answer and thankyou

Why is Auto Insurance in Quebec cheaper? And how do I go abouts changing my insurance to Quebec?

I've been told insurance in Quebec is much cheaper. I know a few friends that live there can I change my license address to Quebec then seek insurance over there? Im getting sick of paying 400+ in Ottawa.

What factors go into car insurance policy fees? Im going to be a brand new driver?

Im 22 yr old female. I don't have the car yet but I am taking a drivers education course and was wondering how much the insurance would be( estimated). what would be the cheapest big name company right now?

Do you have to get health insurance under obamacare?

I'm 19 I have no job no money.. would I have to get health insurance ?

Finding out cost of a car insurance claim - do i have to include this?

Im looking for insurance for a new car. My bf had an accident in our last car and i was wondering if there is a way you can find out how much we claimed in total? As alot of insurance companies want to know this.

Will a 9 mph over speeding ticket effect my insurance in NC?

I got a ticket for 53 in a 35. When I went to court the DA lowered it to 44 in a 35.. 9 mph over. Will it effect my insurance? I live in NC.

Life Insurance?

Can you buy life insurance on anyone? I mean could you buy life insurance on everyone in the nursing homes, then collect the reward? Or quickly buy life insurance on hospitol patients?""

What's reasonable insurance quote for new driver (UK)?

Hi Everyone! I'm a new UK driver searching insurance quotes for my Ford escort (engine size 1.4). I'm thinking third party only for starters. What sort of ammounts should I consider to be reasonable offers? Also, must I pay the premium in one lump sum? P.S: I'm 23 years old... Cheers!""

How to choose a Life Insurance?

All the insurance companies sound like they're trying to sell us on the product. We're married in our thirties with two babies. Thanks!

Insurance on an 2006 chevrolet equinox?

My parents are buying me a used one for my birthday in a few months. I am suppose to buy the insurance for my vehicle though I was wondering about how much it would cost for a 16 year old? Also I have a daughter that would be riding with me most of the time, I dont know If that has to be added into the insurance cost of not? Im kind of clueless, thanks for your help!""

When do car insurance rates drop?

At what age do car insurance rates drop? Currently I am a 20 year old male living in Kansas. Also what else will cause insurance to go down. If you get married, have kids, etc....? Thanks.""

How is the health insurance subsidies calculated?

Just wondering how the affordable care insurance tax subsidies are calculated? Is it based on last years wages or estimated wages of the year you are applying for the health insurance. Let's say I made $100,000 last year and retired this year and applied for the affordable care insurance. Say my estimated taxable income for 2014 was $40,000 with family of four, can I get government subsidies?""

What is the cost of average car insurance that a 19 year old boy and girl pay?

Well, I am taking my test soon (hopefully I will pass) and I am 19 --- and I heard that car insurance is worth a lot for youngsters that they can buy a BMW second hand with same amount money that they pay for 3 years. so, how much do 19 year old boys pay monthly for it and how much do girls pay ( heard it is a lot cheaper for girls). -- my younger sister will turn 19 in 2 years time till then if she passes her test -- how much will she pay when she gets licence---- what would be your solution -- if I want to get cheaper option (I heard of pass plus scheme - would it work)""

Can you report someone for driving without car insurance?

i know this person and i was just wondering if you could turn them in for not having car insurance without them knowing who turned them in. I want to prevent someone from getting hurt and not getting there part of the insurance claim or whatever.....anything will help..THANKS!!!!

Just got a car insurance quote for 6000?

Ok, Im a 17 year old male driver, so I expect my insurance to be through the roof, but come on can this amount be real ? This was for a 1997 2 door corsa""

What are cheap insurance companies in Ontario? (Toronto)?

My specs: 25 years old, female car is 1994 lexus sc400 bought it for $2500 has a really good alarm on it with a pager I heard Desjardins and Aviva are good prices.. any other companies I should check out? Thanks""

Are there any health insurance programs available for a 19 yr old female in alabama?

whom is from a low income household (kids ages: 17,18,19). her dad draws ssi and she isn't pregnant.""

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Two car insurance policies?

My parents are trying to get me insured on their car which they already have a policy on but it is too expensive to put me on that. Is it legal for me to take out another insurance policy on the car in my name only?

Whats the average motorcycle insurance cost for an 18 year old guy?

What is the most quality/cheapest insurance to get for a car in the US?

Like for someone in their mid 20s

What is the best way a low income student can get health insurance?

Again, low income and can't rely on parents and how could I get retro coverage for an emergency bill a month ago. Currently uninsured, only insurrance is car insurrance.""

How much does motorcycle ensurance cost?

I am planning on getting a bike. used,street bike probably a 04-07 dont know what kind yet but i was curious if a) is insurance on a motorcycle absolutely needed? b)how much if im 18, but father as a co signer with GREAT credit score c)on a $5,000 bike how much would it be a month overall, insurance and payments.""

Where can I find health insurance in alabama?

I can't afford to get Health insurance will I be penalized under the Affordable healthcare act?

I am literally living paycheck to paycheck this year so far has gone from bad to worse for me and now I have to have health coverage and I wasn't able to make the March 31st deadline

Cheap or free help with medical insurance?

I need health insurance for myself my children are covered under medicade and I need health insurance that is free or cheap

Affordable health insurance for children of students?

My brother wants to go to college, but if he leaves his job his kids wont have health insurance. Are there any good health insurance providers for children of students? My brother lives in Spokane, WA if that matters.""

What is the typical cost of condo insurance in florida?

I'm trying to understand what homeowners insurance woul cost in florida for a 2 bedroom condo. I'm not ready to call an insurance company. I'm looking in Ft.Myers. Just want to know is it thousands of dollars and out of my range or a few hundrend per year. Say for a 75k condo.

How do I rent a car? without any insurance (i have no car)?

So I want to rent a Dodge Magnum, for about 9 days in May through Thrifty.I will be driving from Missouri to Orlando for a vacation. I assume that I will pay the fee for the loss damage waiver (about $11 p/d) Or maybe my credit card might just cover that. But why do they keep refering to my insurance?... I don't even own a car! Else why do they think I am renting? Anyway what advice would you nice people give a dumb person like me as to what I need to do or what other insurance I need to purchase, thanks.""

How much should I expect my car insurance to cost?

I am 20, female, in college, decent grades, this will be my first car, i will be driving a relatively cheap car. 199? Honda civic/accord...something along those lines. I live in a very small town. I will only be driving about 10 minutes a day commuting to work and school. i wont be added to my parents policy, i will have my own. I tried doing a free quote thing, but i guess my town is too small, it didn't recognize my address! but from people who actually pay car insurance and know a think or two about it, i am curious as to how much i should expect it to be!""

What car insurance company is offering me a better deal?

I'm 21 years old, and I'm thinking of upgrading my 2005 Chevy cavalier to full coverage. United auto insurance wants $186 down and $147 monthly for 6 months. My current company wants $262 down and $131 a month, for 9 months. Which company is the better deal? Should I even get full coverage for a 2005 cavalier?""

What are some cheap health insurance plans for a college student?

Hello, I live in Texas and I am in my first semester in community college. They do not offer insurance at my school. I do work part time, but I do not plan on staying at this job for long. I don't want to get on my parents insurance, because I simply don't want them to know any of my personal business. Any advice? I am 22 by the way. Any answers are appreciated. Thank you!""

How do I go about getting car insurance?

I'm 19, my car insurance now is under my parents name and they pay for it. I want to by a Mustang and I want to pay for the insurance myself. So do I go see an agent? Or do it online? I tried to get a quote online and I'm not sure how to answer certain questions.....I DID get in an accident 3 years ago but my insurance company never caught me on it, so will they find out if I try to get my own insurance now? Should I use a different company to not get caught and have to pay higher rates?""

Question about health insurance & pre-existing conditions?

Shortly before being taken off of my parent's insurance plan, I was diagnosed with a thyroid condition that requires expensive blood tests and regular office visits. I have applied for insurance through my job, and when reading the bylaws I noticed that it does not cover pre-existing conditions. Will my thyroid disorder be considered a pre-existing when I was diagnosed only a few months ago? Will I ever be able to get any kind of insurance coverage for this disorder now?""

What whole life insurance policy is best for a 24 year old?

I have a policy from New York Life, but 2 of my friends who are financial planners, say Mass Mutual would be better... there's a bunch of baloney I'm not understanding i.e. guaranteed benefits, crap about withdrawing money for retirement. Altogether, it doesn't seem like I am getting that much from death benefits with the amount I am putting in ($1K/year until pretty much I'm 65). I don't want to pay forever for this... where in my policy does it say when I can stop paying?""

My son-19- is a full time college student.His Ga peach care insurance ends august 3.can he get medicaid?

He is receiving student aid in the form of scholarships and the pell grant for low-income families. I don't want him to be without insurance coverage. His only income is back child support that will end in a few months. What are my choices? Please help. Thank you. I only receive disability income from social security disability.

How much is this car's insurance..?

Iam 22 male (Married) and have a squeeky clean driving record. I am in the market for a new car and here is a list of the cars I am considering. If you could tell me which one would have the lowest cost for insurance (Full Coverage) that would great! -2005 TL acura -2005 Mini Cooper S -2007 Civic 4 door Si Thanks.

About how much would it cost to for a year of car insurance for a 17 year old in new york?

I am planning on getting a used 2001 Mercedes-Benz C-Class C320. Before I buy the car I will have a senior license and will have taken drivers ed and a defensive driving coarse.

WILL MY CAR INSURANCE BE HIGH?

I'm 18, from california, and ive had my license since i was 16. I currently drive a 04 volvo and im planning to get a 2012 or 2013 chevrolet camaro LS. The plan is to trade in my old car but my mom is complaining that my insurance will be like $300 or more a month. Is that true? I have safeco btw thanks""

I have a friend who say he knows a guy who works for a car insurance company and can guarantee cheaper quotes?

Does this sound normal for staff to be able to do this as I have had a similar offer from someone else a while ago. I am just worried that they may set up a policy but when I go to make a claim its not a real policy or something. Please note it is a significant discount as well and he can also get me quotes on cars I wouln't otherwise get insured on as a normal customer All sounds a bit to good to be true!

How much is Car Insurance for a 16 year old?

I'm 16 year old guy, I have a 2004 Pontiac Grand AM sedan, I get good grades in school, about how much would it cost monthly?""

Car insurance extremely high?

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yahoo-puck-daddy-blog · 6 years

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What We Learned: Is anybody better than the Maple Leafs?

The Maple Leafs look awfully dangerous right now. (Maddie Meyer/Getty Images)

After literal years of speculation and expectation, John Tavares is a Toronto Maple Leaf.

This is a seismic shift in a division that already had two of the best teams in the league, and a conference that’s home to the winners of the last three Stanley Cups. Make no mistake, there hasn’t been a bigger free agent signing in the NHL since Zdeno Chara left Ottawa for Boston, and the impact Tavares will have in more or less immediately making the Leafs a contender is probably even greater.

Let’s even forget that Tavares left money on the table and took a true-hometown discount to sign with the Leafs, because that’s not material this season. And frankly, it probably isn’t material beyond that because if you look at that CapFriendly page, they dont have a huge amount of commitments beyond 2018-19. Yeah, their RFAs are gonna be expensive to re-sign, but they’ll have plenty of cap space to deal with most of those concerns, especially if you can get everyone to do the buy-in on the hometown discounts a la Golden State, as Steph Curry and Kevin Durant both took significantly less money to keep that super-team together.

Anyway, I’m just gonna say it: The Leafs might be the Cup favorites right now.

I know I know: “But what about that defense!” I get it, but look, the Leafs’ D situation probably took a pretty big step forward just with the loss of Roman Polak, let alone the continued maturation of, say, 23-year-olds Connor Carrick and Morgan Rielly. You can’t always trust Mike Babcock to do the best possible deployments of talent but if Nikita Zaitsev and Ron Hainsey get a decent reduction in their run-out and the actual most talented defenders on the team are all playing 20ish minutes, I can see this team taking a step toward being Cup-competitive in a way that it perhaps was not last season.

More to the point, though, the extent to which running Tavares-Matthews-Kadri-whoever down the middle is going to help this team make that step even bigger is significant. There’s an argument to be made that the Leafs shouldn’t even run out a fourth center at all, because those three guys combined deserve to be playing a combined 60 minutes a night. You wanna say it’s like 21 or 22 for Tavares versus top talent with plenty of time on the first unit, and some PK duties. About the same or a little less for Matthews against second lines, plus first-unit power play. Then the rest for Kadri on the second PP unit plus the kill.

Put another way, Matthews and Kadri combined to play only about 35 minutes a night last season and the Leafs got some pretty good mileage out of it, so add Tavares’s 21 or so to that and you only need a fourth-line center for about four minutes a night. What’s the point.

That gives you flexibility to either dress seven defensemen (which I think is smart for any team) or a kind of “flex” forward if necessary, at whatever position you need him.

The other issue for the Leafs, as mentioned above, is that the Atlantic might now have three of the five best teams in the league (the other two being Nashville and Winnipeg in the Central).

It’s reasonable to argue that because of the divisional playoff format, the Leafs’ path to the Cup is probably the most difficult in the league, and the same is true of both Boston and Tampa. To even get to the Eastern Conference Final, they will have to play two top-five teams. Not easy. And it’s not hard to love what both Boston and Tampa will ice this year. But can either of those teams even come close to matching up against that 1-2-3 down the middle? Nope.

Now, obviously both the Bolts and Bruins have better defenses, but the Penguins and Capitals both had kinda middling defenses and won the Cup. More to the point, the Leafs will probably be spending like 55 percent of the game in the attacking end so to the extent that defense matters in the playoffs, they’re going to use their guys to retrieve the puck and stretch the ice rather than actually do as much stay-at-home stuff except situationally.

It’s fair to say that neither Nikita Zaitsev (and yikes that’s not a good contract) or Ron Hainsey (also not a good contract but a less-bad one certainly) won’t be the guys who can do that but you gotta play to your strengths and Babcock probably won’t be allowed to play 22 minutes a night anymore. Or at least, you’d hope so.

Even if you don’t think the Leafs should be considered a prohibitive favorite to win the Cup — I’d argue they’re at least third as of this writing — you have to understand the extent to which they gain even more flexibility going forward. There are a lot of old guys whose contracts come off the books next summer and after 2019-20, and Kyle Dubas can probably find someone to take Matt Martin at $2.5 million given what Ryan Reaves is getting these days. That is, if you really need to free up that little money.

So what the Leafs have done here, is given themselves two No. 1 centers, and you really can’t overstate how valuable having two guys this good is in the NHL. Especially as Matthews and the various other very young wingers continue to mature. Even if you think Tavares starts declining hard in the back half of this contract, they’ve effectively purchased four or five years of extreme Cup-competitiveness.

The pressure’s on, sure, but it’s Toronto and the pressure’s always on, even when you suck. Tavares knew what he was signing up for, obviously, but he also knew what it takes to win from having suffered with the lack of it for so long.

There’s no better way to win the Cup than by getting a ton of talent and now, especially up front, pretty much no one in the league has as much as Toronto.

What We Learned

Anaheim Ducks: When you have a roster this good, you gotta stand pat!

Arizona Coyotes: Adding a guy like Grabner, who’s gonna be 31 on Oct. 5, is something to watch because he’s a speed guy and it’s hard to maintain speed when you’re old and stuff like that. Three years is a lot even if you think his poor career underlyings are overshadowed by his ability to create chances on the rush.

Boston Bruins: I like Jaro Halak as a backup to Tuukka Rask a lot, in theory, but the Bruins’ first few moves of the free agency period were… adding Islanders and Hurricanes. Maybe not the best strategy.

Buffalo Sabres: The Sabres added Carter Hutton as their backup, giving them three Lowell guys for next season. Please note the 2017 Stanley Cup Champion Pittsburgh Penguins also had three Lowell guys. Might not be a coincidence.

Calgary Flames: The Flames really seem to have improved their forward depth, which was always their big problem, but that goaltending situation ain’t getting better. Not sure what’s gonna happen here but I’m not optimistic either.

Carolina Hurricanes: Petr Mrazek getting another chance as a potential 1b with the Hurricanes is a relatively safe bet. And if it doesn’t work out, well, it’s not like this club isn’t familiar with bad goaltending.

Chicago: Giving Cam Ward a full no-trade is redundant. Cam Ward’s save percentage is a no-trade. But hey, if you get a chance to add a guy who is a 20-year-old plus a 19-year-old in 39-year-old Chris Kunitz, that’s the kind of youth movement this team needs.

Colorado Avalanche: Looks like the Avs were all about adding okayish depth guys like Ian Cole and Matt Calvert and that’s fine, if you ask me! Not sure they can count on another playoff appearance with this roster as-is but I guess MacKinnon could have another titanic year.

Columbus Blue Jackets: Little happening for Columbus at the start of July here. Wonder if they’re waiting for some movement with Panarin or something.

Dallas Stars: Intriguing add in Val Nichushkin. Be interested to see what he brings to the table. But here’s something that’s more interesting: How did Roman Polak get a raise?

Detroit Red Wings: The Red Wings adding all these veterans on short-term deals is like, “Well, who cares because it’s one year and they can probably trade them”

Edmonton Oilers: Tobias Rieder is an interesting player. I’m saying “interesting” a lot today but it’s this wasn’t a great UFA class and guys who Have Upside or are otherwise in the Cody Franson All-Stars group of guys whose underlyings make them seem better than the eye test or their scoring numbers do. The deal here is a pretty good gamble, though.

Florida Panthers: I think Michael Hutchinson probably has something to add for this team. I don’t know how much that actually helps in terms of making them any good, but I’m still a bit of a believer.

Los Angeles Kings: I’m gonna have a Kings take in the next day or two on here but this Drew Doughty contract, hoo boy. He’ll be 30-plus for all but like 2 of its 96 months. Way too much money.

Minnesota Wild: Adding a bunch of Leadership guys is gonna be what gets this team over the top – just kidding.

Montreal Canadiens: That’s a really nice gamble on Xavier Ouellet. I like that deal a ton as a bet on a guy who posted good underlyings with a crap team. He might be able to do that again this season!

Nashville Predators: Yeah they just didn’t need to do anything, so not doing anything of note in the past week is totally reasonable.

New Jersey Devils: An Eddie Lack bounce-back season would be nice but I’m not holding my breath.

New York Islanders: The speed with which Islanders fans went from Needing Tavares to saying, “Actually he’s not even as good as Mat Barzal and the kids will add more than enough goals to make up for his absence.” Deluded.

New York Rangers: Nothing worth doing for a team in their position, so have fun out there.

Ottawa Senators: The revelation in the Ottawa media that the Senators are almost a quarter of a billion dollars in debt is… something else. I guess I’m not surprised but how is it that much? That seems impossible.

Philadelphia Flyers: That James van Riemsdyk contract is defensible but I’m not sure where this team thinks it’s headed. They’re trading Wayne Simmonds real soon here. Maybe it already happened by the time you read this.

Pittsburgh Penguins: The Jack Johnson contract is instantly one of the absolute worst in the league. It’s indescribably bad. Five years for a healthy-scratched a guy who will be three months from his 32nd birthday at the start of the season is, like, what the hell man.

San Jose Sharks: Now it seems like freeing up all that cap space was maybe not advisable. Missed out on Kovalchuk and missed out on Tavares, the latter despite reportedly bidding an extra $2 million AAV per year. Anyway, that’s too much money for Logan Couture.

St. Louis Blues: I pretty much like both David Perron and Tyler Bozak as middle-six guys and I think the money is one of those things that isn’t avoidable. However, I’m not sure where these adds get a team like this, that’s firmly third-best in its own division on a real good day.

Tampa Bay Lightning: Good price for Ryan McDonagh even if he’ll be 30 when the deal starts. Hard to be cynical about this deal for now though, but they might have some more irons in the fire for a brand-name talent (via trade, obviously), and that’s scary.

Toronto Maple Leafs: Underrated aspect of this is Dubas stealing a franchise player from Lamoriello. Very funny, to me.

Vancouver Canucks: I mean if the price of adding Antoine Roussel and Jay Beagle (a combined 12 goals and 32 assists last year) is four years and $6 million, well, you gotta do it.

Vegas Golden Knights: I have to say I literally laughed out loud at the Ryan Reaves contract. I can’t wrap my head around that one. He’s terrible. Like the Stastny deal though.

Washington Capitals: I love that Michal Kempny deal. He was a top-pairing guy for the Cup run and got just $2.5 million for five years. Not bad at all.

Winnipeg Jets: Sucks to clear a bunch of cap space to sign someone and then have him go to the team that beat you in the Conference Final. But hey, that’s hockey baby!!!!

Gold Star Award

Tavares is getting so much of his $77 million in bonuses. Hilarious.

Minus of the Weekend

Just because the cap went up a lot doesn’t mean you have to give fourth-line guys $2 million. Just saying.

Perfect HFBoards Trade Proposal of the Week

User “HailMcJesus” is trying to get out of a jam.

To Edmonton:

Christian Fischer

To Arizona: Milan Lucic, 2019 1st

Signoff

Seymour, the house is on fire!

Ryan Lambert is a Puck Daddy columnist. His email is here and his Twitter is here.

(All stats via Corsica unless otherwise noted.)

#_revsp:21d636bb-8aa8-4731-9147-93a932d2b27a #_uuid:45183ce9-b1ff-30a5-80b3-934f50cb025d #_lmsid:a077000000CFoGyAAL #_author:Ryan Lambert

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