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thotyssey · 6 years

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On Point With: DJ Ten Yards

Sam Branman, the DJ third of Brooklyn nightlife monster trio Str8 to DVD, is also churning out some of the skimpiest and most fashionable Speedos on the planet (among other things). Thotyssey tries to keep up with Ten Yards!

Thotyssey: DJ, hello! Thanks for chatting with us today! First of all, OMG YOU GOT HIT BY A CAR!? How exactly did this happen, and how are you?

DJ Ten Yards: It was super fucking annoying. I was actually on my way to Annie Mae, which is Laè D Boi’s party (currently first Sundays at The Rosemont) I’m the resident DJ / video curator for, and I was literally crossing the street one block from my house and a fucking pickup truck hit me from behind! I’m mostly okay--my left arm got banged up and I’m doing PT to get that back to full fighting strength. They also destroyed my laptop! The truck actually sped off after hitting me, but I found it thanks to some nosy neighbors, and I’m starting legal proceedings. I obviously didn’t make it to the party, and went to the ER instead.

Does this bring home how terrible the world and it's people can be?

I mean, everyone who saw me get hit were super nice and helpful! I’m not letting one asshole who can’t drive ruin my worldview. even if it did jack my arm up.

That's the spirit! Will you still be making it to DragCon, if that's something you were planning to do?

Absolutely! I’m lucky in that I am able to work on jewelry and I’ve been preparing for it for months, so I have a lot of apparel no one’s seen yet ready to go! I’m at table C31, and I’m there all weekend (except Saturday morning because there’s no way I’m going directly from Str8 to DVD to DragCon, which starts at 9. My husband Erik can work that alone.)

Between your designs and your DJ’ing, there's lots to talk about, so we better start right at the beginning. Where's your hometown, and what came first: fashion or music?

I grew up mostly in Olive Bridge, NY, but I just say I’m from Woodstock because it’s the closest landmark that people who aren’t from there know. Fashion came first! I loved dressing up as a child, and I started sewing what mostly resembled actual clothing when I was 18. I had decided to go to college for photography, not fashion. But I’m a big nerd, so I’d do a few cosplay projects to wear at the anime conventions I went to every summer.

Who were you cosplaying as?

My first actual cosplay was Hirai Ken from the “Pop Star” video. There’s three of him in different colored jumpsuits, and I could sort of do the hair he has in the red one! I also did a very loose Tommy February6 (we share a birthday!), invented a fake Japanese band with friends, and Ray Watts from KMFDM / PIG / Schwein. I still wear the shirt I made for that, but the jumpsuit was sacrificed last year to become Beltane ribbons, and the others just languish in my clothing labyrinth.

And when did DJing come into the picture?

I’ve always wanted to be musical, but I’m not. I tried to learn instruments, to learn how to write music. I was briefly sort of in a band or two (I even have album credits). I am, however, a collector and very opinionated... so I can DJ! My friend DJ A-Ron’s DJing partner moved away, and he offered to show me the ropes. We did a few gigs together at Nowhere back in 2013, and I struck out on my own DJing for a few now-defunct parties around Manhattan and Brooklyn. I didn’t start the drag-DJ gig until Qhrist With a Q and Sherry Poppins asked me to do what was then 1-900-HOT-GLUE two years ago!

You met Qhrist in a nerdy chat room, right?

Yep! Eightish years ago? I helped convince Qhrist to go to Purchase, too.

Good for you! What was the rationale at the time behind creating HOT GLUE, which is now STR8 to DVD?

At the beginning, I was just helping out! They wanted to make a space for themselves and the other performers coming out of Purchase, like Maxxx Pleasure, Lindsay Blowhan, and Jenn D'Role, and I was along for the ride. I didn’t initially do any production work besides promo, letting Qhrist and Sherry stay at my place, and making sure I had everyone’s music at first. But now we all do booking / coming up with names. I’ve been the one finding our newbie performers all year long, and I convinced them to change the name to STR8 to DVD.

This has become a hugely popular night, enough so to warrant a recent move from monthly Mondays to Fridays! What have been some memorable moments for you from STR8?

Every single one of Qhrist and Sherry’s stupid, perfect, beautiful, unrehearsed duets. They’re so good together that people don’t realize how unrehearsed they are. When Sherry was still getting ready at my house with Qhris, they might listen to the song once or twice to get the words down, but that’s it!

I’m also very fond of our massively overbooked Halloween show last year, when we all kept booking people and forgetting until it was too late. We wound up with 9 performers and 13 actual numbers. It was perfect. Half of them involved food, because we’re gross and live in Brooklyn.

That reminds me, I hear that pasta and fake blood were factors in a perilous Bushwig this summer!

I fully missed all of the mess, because of where my booth was at Bushswag! I couldn’t see shit. I made sure to see the performers I’d made clothes for, and my personal legends like Charlene, Untitled, Ragamuffin, Tyler Ashley, and Chutney Spears with that fucking snake.

Gurl, that snake! So STR8 is turning 2 this Friday at Gold Sounds ... what's in store for the anniversary?

STUPIDITY! I’m glad we’re leaning into being irredeemable and canceled. Qhrist already has to redo the flyer because one performer canceled, we forgot we booked one performer, and Lindsay Blowhan is coming all the way up from Virginia for it, and we should probably have her perform? I guess? It’s not like she’s Sherry’s daughter and performed at our first, like, six shows or anything.

We’ve got Sandy Devastation who made her debut at STR8 to DVD, Papusa Smear who made their debut with us, and Kaey Kiel, a nice cabaret singer and journalist from Berlin who doesn’t deserve to deal with any of this! She’s staying with my husband and her dream is to perform in New York, so we’re making all her dreams come true.

Another monthly (third Saturdays, in this case) you've been DJing, Emi Grate's “A+: The Asian Revue,” has also recently had it's own (1st) anniversary, and has moved to The Monster in the West Village. What has it been like, being a part of that?

It’s super fun! Emi is so fucking on top of every detail. She sends out a multi-page email with every piece of information you could ever want, she has the lineup a month in advance sometimes, and the show is at a reasonable hour! Never underestimate how great it is to leave the gig at 10pm and still be able to go out afterwards... or even just go home, have dinner, and go to bed. Because of the way Gold Sounds is set up, I don’t actually do much DJ work if there aren’t drag queens on stage. But with A+ (and Annie Mae), I spend a significant amount of time actually DJing. That’s always fun. For both those shows, I play exclusively Jpop and Kpop (and would happily take suggestions for fun pop and dance music from throughout Asia! A cute boy suggested some Hindi pop songs at the most recent A+)

And the next “Annie Mae” is October 7 at the Rosemont! That's a super geeky celebration of genre fan culture that Laé D. Boi produces. That must be right up your ally!

It is! I always choose anime movies or TV shows to screen during the party on top of DJing! This month the theme is Studio Ghibli, so I think I’m gonna be playing Princess Mononoke, Kiki’s Delivery Service, and either Pompoko or Lupin III: Castle of Cagliostro. I’m pretty sure Sherry Poppins will bring one of her swords, too.

So, your Ten Yards clothing line is all the rage! The sexy and colorful speedos are especially in demand! How did this come about?

I wanted to make bathing suits--made a few for myself. And then it felt like suddenly people started asking me to make them suits, and now here I am! A local bathing suit mogul. It’s been over four years, and all it took was saying “Sure, I can do that.” and then figuring it out.

How long does it take you to make a speedo now?

My first few took time, but I’m a fucking wizard now. Obviously with my arm it’s hard right now, but I can make a speedo from start to finish in about 35 minutes. Jockstraps are 27 minutes if I go at full speed!

And now you’re bringing us jewelry as well!

You can thank my mom for the jewelry! She made it all in the 80’s and early 90’s. I’m just the refurbishing squad. I’m actually photographing it right now, so I have a record of it, because most of it’s totally unique and once it is gone, it’s gone.

And much-belated congratulations on having your Fashions nominated for a Brooklyn Nightlife Award a few months back.

It was amazing to be nominated, and I knew I would lose to Florence or Diego because they’re both powerhouses! Luckily, Florence moved to Manhattan, so I have an entire year to snatch that brick from Diego’s beautiful and talented hands.

Another thing to congratulate you on: being happily married! That may sound trite, but finding true love in the nightlife biz is damn hard. What’s your secret?

So, part of it is that we don’t live together, so I’m usually not disturbing him when I come home at 4am. And when we have problems, we talk it out! Erik’s also a lovely angel who supports me no matter what. He helps out whenever I have to sell shit, and buys fabric and zippers even if it makes him nervous. But he has a day job, so he’s only been able to come to three of my gigs in the five and a half years we’ve been together.

I also wasn’t working in nightlife when we met! That probably helps, too. He’s been there every step of the way as I’ve made the switch into nightlife and fashion design.

Okay, do you have anything else you wanna plug or discuss before I ask the closer?

Nah, just a schedule recap for people who get lost in my rambling! STR8 To DVD: CANCELED is at Gold Sounds (44 Wilson Ave) on 9/28, we have shows at Midnight, and it costs $5-10. I’ll be at table C31 during DragCon (that’s the 28-30th at the Javits, ugh), Annie Mae: Ghibli is at The Rosemont on 10/07, and is free, I’ll be there at 10:30 to start the movies! See you there!

Finally: who would you really love to see in one of your speedos?

Anyone who wants a pair! But I wouldn’t say no to some Instagram thots with 30k+ followers, so long as they tag me.

Thanks, Ten!

Check Thotyssey’s calendar for DJ Ten Yards’ upcoming gigs, and follow him on Facebook, Instagram, and Twitter.

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cessanderson · 4 years

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What Is Home Equity and How Does It Work? https://ift.tt/2vVwcyN

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What is equity?

You’ll often hear the term equity when it comes to homeownership, but you may not even know what that means even if you already own a home. The amount of money you receive when you sell your house, minus any debt associated with it, is equity. When looking at it from an investment point of view, the owner of the asset (probably you in this case) is referred to as a stakeholder. There are two types of equity: book value and market value. Equity calculations occur most often in businesses and homes.

Calculating the difference between an asset and its liabilities determines the equity’s book value. An equity’s market value is based on the valuation of investors, or its current share price if you’re calculating the market value for a business. For a home, fair market value is typically what people in the consumer marketplace are willing to pay for your house.

Understanding home equity

Say you want to determine how much equity you have in your own home. You can take its current value and subtract the amount you still owe. For example, if your home’s value is currently $130,000 and you still owe $80,000, you have $50,000 of equity. Two factors affect your home’s equity:

If appreciation occurs due to home/property improvements or inflation

Paying down the principal that you owe on your original mortgage

When you make a down payment during your initial purchase, that helps bring down the amount you owe on the mortgage. Down payments are both a portion of the home’s total selling price, as well as your initial equity stake. Many mortgages, like a VA loan or USDA-backed loan, don’t require a down payment, however, it’s common for homeowners to put down between 3-5%.

The loan interest you have on your mortgage affects how quickly you can build equity. Your loan interest is a percentage of your total balance, which most pay monthly until the end of the mortgage term. Loan collateral is when you take out a loan and, in the case of real estate, the home becomes collateral. This reduces a lender’s risk; if the loan goes into default they can sell the collateral to recoup costs.

The term lien means you have a legal right or claim against a property. The first time a home lien happens is when you obtain the original mortgage. In that scenario, the lien is helpful because the home becomes loan collateral and you can build equity. Keeping up with your mortgage payments helps ensure any other lien doesn’t attach to the loan. So make sure you’re paying it on time to keep any liens away.

What happens to my equity if my home increases in value?

Let’s take the earlier example of your home being currently worth $130,000. You owe $80,000, so there is $50,000 in equity. Now, assume that the initial cost of your home was $100,000, and you made a 10% down payment at purchase. That percentage is also known as your equity stake. If you don’t incur any additional debt on your home, its equity will continue increasing as you make payments and its value increases.

$100,000 – 10% ($10,000) = $90,000 (original amount of the loan before making payments)

Original loan: $90,000

Payments to date: $10,000 ($90,000 – $10,000 = $80,000 owed)

Value of home: $130,000

Equity: $50,000 ($130,000 – $80,000 = $50,000 equity)

Tips on how to build home equity

There are lots of ways to build equity, including one that requires no work at all. When your property value increases due to rising prices in the housing market, you’re building home equity. Here are some additional ways you can build home equity:

Lowering your mortgage balance: The more you pay against your mortgage’s principal, the more equity you’ll have. Just make sure there are no pre-payment penalties.

Making larger mortgage payments: Each time you pay extra on your mortgage and apply that difference to the loan’s principal, you’re building equity.

Change the payment schedule: By making 26 half-payments instead of 12 full payments, you reduce the term of your loan, saving on interest and building equity faster.

Refinance the terms: If you opt to refinance your loan to a shorter-term 15-year loan, you’ll have higher payments but you will build equity faster than with a traditional 30-year loan.

Make improvements: Some home improvements increase the property’s worth and thereby your equity. But only certain types of improvements will pay off, so research for your area accordingly. And don’t forget curb appeal.

Keep it maintained: Keeping up with regular repairs and maintenance can increase your home’s worth when it comes time to sell, which results in higher equity.

Home equity loans

One of the most beneficial aspects of a mortgage is the ability to borrow against your equity. You can do that with a lump-sum loan or home equity line of credit.

How does a home equity loan work?

There are two types of home equity loans: lump-sum loans and the home equity line of credit.

Lump-sum home equity loan: A lump-sum home equity loan means lenders are allowing you to borrow a lump-sum of money against your existing equity. Because they fund in a lump sum, they’re similar to a personal loan.

Home equity line of credit (HELOC): A HELOC is a loan where the lender qualifies you for a revolving line of credit against a percentage of your home equity. This loan works similarly to a credit card whereby you carry the balance from month-to-month for the amount you’re allowed to borrow against your home’s equity.

Qualifying for a home equity loan

Qualifying for a lump-sum home equity loan means the lender looks at your credit history, income, the home’s current value and your debt-to-income ratio. When you’re trying to qualify for a HELOC, you must have at least 15-20% of your home’s value in equity. That determination occurs following an appraisal. You must also have a debt-to-income ratio that does not exceed roughly 40% (or a bit higher) and a credit score above 620.

Pros and cons of home equity loans

Pros:

Easy qualification: If a lender knows they can use your home as collateral they are more likely to qualify you for and approve your application.

Lower interest rates: Even if the home equity loan is challenging to get, you may find it has lower interest rates.

Cons:

Risk: If you cannot make your loan payments, you risk the home going into foreclosure.

Limitations: If you want to sell your home, you must pay off your home equity debt first.

Frequently Asked Questions

What is equity and how do I find out my home equity? Equity is the amount of money an asset owner receives when they sell their house, minus any debt associated with it. To find your home equity, your first step is getting an appraisal. Then, take the value of the appraisal and subtract it from the amount you still owe on your mortgage.

Is it a good idea to take equity out of your house? If you need to make home improvements, cover costs for college, consolidate debt, obtain emergency expenses or secure long-term investments, then you may want to apply for a home equity loan (assuming, of course, you can afford the increased mortgage payment).

What credit score do you need to get a home equity loan? You have a better chance of qualifying if your credit score is 700 or above.

Which is better to get—a home equity loan or personal loan? If you need a substantial amount of funds, it’s more challenging to get a personal loan. A home equity loan allows you to repay over a longer-term as well.

Are there closing costs on a home equity loan? Though rates differ from lender to lender, expect to pay between 2-5% of the loan in closing costs. However, it isn’t uncommon for lenders to waive these fees.

Author Biography:

Jenn Greenleaf is a professional writer from Maine who also works part-time as a bookkeeper for her husband’s residential construction business. She specializes in writing about HVAC, commercial construction, and other home-related topics.

The post What Is Home Equity and How Does It Work? appeared first on Freshome.com.

The Freshome.com Team

#Freshome.com - Interior Design & Architecture Magazine

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reactingtosomething · 7 years

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Reacting to Sweet/Vicious

Part I: Remember Fondly When 4th Meals Were a Thing and Breakfast at Night Reigned Supreme

The Setup: It started, as much does, with a tweet. That tweet was followed, as many are, by regret. Fortunately, Jennifer Kaytin Robinson is a generous sort.

Robinson’s glorious but short-lived vigilante dramedy Sweet/Vicious was always on the list of candidates for an all-hands Reaction -- Miri started watching a day or two after Kris did, back in the fall, so Liz and Marchae added it to their (lengthy) to-watch lists -- but we didn’t put a timetable on it until our loyal reader @crazyhannibalthedaisiesslayer suggested it.

In this post (and its continuation, on Friday), we cover the first three episodes: “The Blueprint,” “The Writing’s on the Wall,” and “Sucker,” and many thoughts and feelings about campus sexual violence and related topics.

LIZ: First thing: I only had time to watch the first 3 episodes, although I wish I’d been able to see more!

Kris you here?

MIRI: Ok, that’s how many I rewetted!

MARCHAE: I watched 4

KRIS: GOSH DARN IT

MIRI: DAMMIT rewatched

hahahahahha insert gif here

So, Liz and Marchae, what did you think????

MARCHAE: It is oddly addicting

KRIS: Why oddly?

MARCHAE: I think because I used to work in student affairs and dealt with some of the scenarios so in that way it is weird to see a comedy/drama of this topic

LIZ: I am IN LOVE. I thought episode one was amazing and I am pretty much hooked. I am here for the message and the premise and i think every college campus needs these 2 ladies!

MARCHAE: however the characters are 100% engaging and you want them to win so hard...

I called my mom after episode one and was like should i feel bad for wanting to see the guys get beat up

LIZ: The way they show the victims of sexual assault and discuss their stories is just so real even though the show suspends our disbelief in other ways so much

MIRI: Marchae, I don’t think you should feel bad

How do you feel about how stylized it is? I love it, but I feel like it’s not going to be everyone’s cup of tea

LIZ: Rapists who are getting away with it 100% and ruining their victims lives? no I would not feel bad

KRIS: When I first saw trailers for it (while my old roommates watched MTV reality shows) I was like oh, man, I don’t know, this seems like it might be trashy and exploitative

MARCHAE: I do agree Lizzie... it’s weird because my brain wants this to be a straight drama

yet i am oddly satisfied with the moments of comedic relief

LIZ: I didn’t think the stylization was OVER THE TOP

MIRI: Yeah, it’s a hard show to sell but SO GOOD

LIZ: theres a lot of comedy

MIRI: I think it all works together beautifully

LIZ: agreed

I was pretty much in love

KRIS: I was almost upset at how good it was

MIRI: For me, the cold open of ep one says it all

KRIS: I had to text Miri immediately

LIZ: and then they were singing defying gravity in the car and i was like

KRIS: THERE’S A LEVERAGE WRITER

MIRI: You were definitely upset

KRIS: THE EMOTIONAL CLIMAX IS A WICKED SINGALONG

MIRI: THERE IS???

LIZ: yeah

MIRI: WHo?

KRIS: BRANDON MYCHAL SMITH FROM YOU’RE THE WORST

M Scott Veach

MIRI: Cool!

LIZ: oh end of sentence about defying gravity.. i felt like the show understood my soul

MIRI: Moment of appreciation for Brandon Mychal Smith playing SUCH a different type of comedy equally well

LIZ: ALSO.. it takes a certain type of weird ass show for all 4 of us to be VERY on board.. and I also like that about it

KRIS: He’s one of the only men who can say the word “bitch” and not make me a little uncomfortable

MIRI: True!

hahahahaha

LIZ: Is that Harris?

MIRI: Yes!

KRIS: Yeah

LIZ: I LOVE HIM

MIRI: Yay!

KRIS: One of the reasons I really wanted us to do 3 episodes was so you could see the start of his thing with Fiona

LIZ: What do you think about that?

MIRI: Is that the sorority girl?

KRIS: I like it!

Lemon as the one of us with the most first-hand sorority expertise what’s your general sense of the Zeta dynamic?

LIZ: I identify with the sorority characters who are actually smarter and much more .. defined as human beings than most would give them credit for or that they initially come off as

KRIS: (Harris gets crystallized so instantly with the line “I’m not saying I have sexual dreams about Ruth Bader Ginsberg... but I’m also not saying I don’t”)

LIZ: I mean.. I had several (male) friends and family members say to me when I joined my very small.. one of a kind local sorority.. “oh so you’re a sorostitute?”

MIRI: SUCH A LINE

LIZ: Yes i have a note about the RBG line

MIRI: UM that’s horrible and fuck them

LIZ: right, but that kind of mentality and characterization of college aged women who are friends with other women in the form of a sorority is so widespread

MIRI: The pilot honestly does SO much to characterize Jules, Ophelia, and Harris so quickly

KRIS: I do really like how they initially lean into the less generous expectations about sororities and then flesh out I think all of those characters in great ways

Mackenzie was a sleeper favorite for me

(the anxious redhead safety chair)

LIZ: this gives them facets.. like fuck what you thought about me and also.. I don’t have to not like to do my makeup or sometimes dress up for me to be a smart or valid female.

MIRI: I feel like Kennedy takes a little longer, but not in a bad way

Liz, you are amazing and I love you

LIZ: i don’t know many shows that give girls that kind of credit.. very legally blonde of this show..except Elle Woods was the exception there

MARCHAE: They have to save Kennedy (I say this not Having seen more than 4 epi)

KRIS: You will be pleased

MIRI: Definitely

LIZ: Visually, I am impressed with the shows set designs, makeup, and wardrobe

MARCHAE: I feel like they have to hold her close because of nick and Jules

LIZ: hold who close?

oh kennedy

MARCHAE: (Also back to thumbs on the phone)

KRIS: I LOVE the world-building, especially on what I assume is a pretty small budget

MIRI: I do love her moment when Ophelia tells her she has a very calming presence and she’s just like “I know"

LIZ: yeah i am also worried about her

KRIS: Lemon talk about makeup

MIRI: Yeah!

LIZ: ITS EXPENSIVE

KRIS: (please)

LIZ: what else?

oh as far as this show is concerned

MIRI: yes, world building

LIZ: Jules and Ophelia (yes to the names btw)

have such amazing looks and their hair is bouncy like they are comic book drawings, but their makeup isn’t like that (bc that would be fucking bizarre) and I love how the fresh rosy-cheeked and bright eyed look of Jules is enhanced with her makeup and Ophelia’s brows and eye makeup are dark and defined/ grungy at times, but she is also kind of sweet because they don’t cake her up or give her a heavy lip.. idk if that makes sense to anyone else

their eyes are so expressive as actresses

and then they’re important because of the ninja outfits

MIRI: That all makes sense to me and I would never have thought of it at all

KRIS: it is right on the edge of my comprehension

MIRI: Sidebar: SUPER excited for you to see more Orphan Black and discuss that makeup

LIZ: but I am pleased with the fine line between real world and cartoonish that the MUA on this show kind of stride beautifully to give them unique looks that foil one another and bring out their strengths and sometimes their faults

KRIS: Ophelia I think I understand best in this context

MARCHAE: YESS LIZ!!!

I do want to ask a question

LIZ: It is more subtle with Jules, because she is made to look more fresh, but I mean everyone on any show has lots of makeup on

ok done w makeup ranting/ observing

MIRI: What’s up, Marchae?

MARCHAE: *sorry liz...go on***

LIZ: oh no thats pretty much it

are you getting things in real time marchae? (with your computer)

MARCHAE: I wanted to chime in about wardrobe because it’s super similar to the way in which makeup is handled... and you definitely know who these people are and the kind of persons that this show is trying to share

MIRI: Ooh, please do!

LIZ: oh yes, the wardrobe feels almost theater like to me.. do you agree or am i wrong

MARCHAE: ( It was touch and go for a moment but me and my thumbs are finally #winning on the computer... I couldn’t take the tiny keyboard anymore)

LIZ: bless you for trying

MIRI: I never really notice Ophelia’s wardrobe that much, but the props they have for her are iconic and say so much

MARCHAE: I think it does... the show feels VERY comicbook-esq like I mentioned it reminds me very much in aesthetics to deadly class and there is another comic that focuses on a high school that I’m blanking on

LIZ: was this ever a graphic novel or comic book?

MARCHAE: but you get a lot in terms of wardrobe via colors that they use for these characters... Ophelia is almost always in darks, Jules in pinks and pastels

I quick checked and didn’t see it

KRIS: it was original to Jenn Kaytin Robinson

I mean she did a shit ton of research, and the producers watched The Hunting Ground and stuff

LIZ: nice..and yes I agree with the colors

MARCHAE: But these choices are interesting because they are almost opposite to the characters we meet in the show

LIZ: and the fact that Jules keeps her identity even as a vigilante with her pink backpack

MARCHAE: so Jules we meet as the original vigilante and she’s the one in the brightest colors ALWAYS in the show

LIZ: and then Ophelia has that car!

MARCHAE: that backpack is definitely our hint

MIRI: Because she’s trying SO hard to still be that girl

KRIS: Oh that’s so interesting. Jules is super dark and “damaged” and Ophelia’s ultimately a sweetheart.

MARCHAE: and Ophelia is always in darks

LIZ: right!?

MARCHAE: **taps nose at kris**

MIRI: I like that even when they put Jules in the Spitters are Quitters shirt, it’s light colored

MARCHAE: so its totally the opposite of what we see

in terms of how they are portrayed in their “normal life”

any who enough of my rant

LIZ: I find Ophelia to be much more innocent.. not because of being sexually assaulted, but because she is kind of playing catch up and barfs when she kills a guy and Jules obviously took this mission upon herself to become a kick ass fighter and to start doing something

MARCHAE: liz i absolutely agree

ophelia definitely the more innocent seeming of the two

KRIS: Ophelia’s so fucking great

MIRI: Yeah, Ophelia thinks of herself as So Hardcore but is basically a sweet 19 yr old with some abandonment issues

I love her

MARCHAE: and she tells you as much in her dialogue

LIZ: I love her!

MARCHAE: some is an understatement miri

KRIS: I loved the vomiting and I don’t even know why

MARCHAE: she has ALL the abandonment issues

LIZ: i loved that it was pink

MIRI: Because it’s pink!

KRIS: I guess the unexplained pink?

MARCHAE: the vomiting is AMAZINNNGNGGGGGGGGG

LIZ: yes

MIRI: It’s absurd and so totally the show

LIZ: hahahha

KRIS: wow we are ALL on a wavelength tonight

MIRI: But it is!

LIZ: like.. I don’t need to see chunky soup barf

i get it

MIRI: The show is 100% going to show you the puking

MARCHAE: i usually don’t want to see it at all period ever

but it works for the show

MIRI: But it’s also going to make it funny and stylized

MARCHAE: and that character as kind of a she seems hard core but is not!

OH OH

KRIS: LeBong James

MIRI: YES

MARCHAE: so my question and this was a thing that kind of made me curious

LEBONGGGGG

MIRI: She’s a nerd ❤️

LIZ: There is a lot of suspension of disbelief in this show.. not bc girls can’t fight injustices, but because of how they should’ve gotten caught and how Ophelias mad hacker skills save the day alot

LEBONNNGGGGGGG

MIRI: I feel weird being the only one who hasn’t said LeBong

MARCHAE: (THEY MURDERED SOMEONE CLUMSILY AND CHICA BARFED ALL OVER THE SCENE!!!!DNA MUCH)

there it goes

LIZ: Also the male assailants aren’t even cookie cutter like on other shows or movies

MIRI: I KNOW BUT JUST GO WITH IT

KRIS: Without spoiling anything I’ll say they’re generally really good about chickens coming home to roost

Maybe not DNA specifically? But the show is serious about Consequences

MARCHAE: so question... what institution do they go to where there is an assult like every freaking second

LIZ: they are all different and some are even charming (most are) and they have different personalities and hobbies.. like Nate is acting like a really good boyfriend to Kennedy so if we didn’t know what he’s capable of, we’d forgive his jerk reaction to her missing his football thing bc of his super sweet apology

MIRI: Well, it’s Darlington University, right?

KRIS: Well A) that doesn’t actually strike me as unrealistic but B) I got the sense of a “backlog” of assaults -- they’re using that wall, which was started who knows how long ago

MIRI: So it’s at least big enough to have masters programs

KRIS: not responding to like the student weekly or something

MIRI: True

LIZ: i mean i know so many people in so many schools (large, small, medium and very small) who all have sexual assault stories

MARCHAE: thanks for the wall reminder

LIZ: i didn’t find the number to be at all shocking

KRIS: yeah

MARCHAE: I think maybe again its the dissonance of this being a drama/comedy that has me a bit jarred

LIZ: maybe the number of guys that were turned in or reported seems high, but SO FUCKING MANY are floating around in my mind right now

MARCHAE: i dealt with lots (more than i have ever wanted to) but not weekly by any stretch

that definitely doesn’t mean it wasn’t happening

MIRI: Well, just because the show aired every week doesn’t mean it’s only a week in universe

LIZ: right

thats true

MARCHAE: thanks gang

MIRI: And Kris is right--they definitely go into past exploits some

KRIS: That wall, man

MIRI: It is BRUTAL and so effective

MARCHAE: yeah the reminder of the wall definitely does it.... i literally was like

DAMN this is INSANE and darlington should be shut the hell down

KRIS: I texted Miri something like “I never do this but there’s a pure drama beat that made me 😭😭😭😭”

LIZ: I wish every college had a wall

KRIS: and it was definitely Ophelia handing Jules the Sharpie

MIRI: He did and I treasure that text

😭😭😭😭😭😭😭

LIZ: oh something that I meant to google.. could be such a coincidence

MARCHAE: UGHHHH

LIZ: at my college, in the same kind of font.. the party dorm/ suites were called “Reimert Hall” and they are like “see you at Leimert” spelled the same and then they show “Leimert Hall” and it is creepily spot on

KRIS: Huh

MIRI: Whoa

LIZ: not related to the wall

separate

MARCHAE: we did have a question from one of our readers and I promised I would bring it up to react to

LIZ: lol.. it is student housing but.. idk weird to me but maybe not to anyone else

MIRI: Yes, I want to talk about that!!!

LIZ: go for it! I don’t know the question

MARCHAE: about student housing or the question from our loyal reader

i get confused sometimes

KRIS: our loyal reader

LIZ: I’m assuming she means from the reader

MIRI: The question

yes

MARCHAE: BWHA

sorry

LIZ: mine was just a point thrown out and doesn’t really leave much to comment on haha

MIRI: Share the question with us, Marchae

MARCHAE: OH MY GRIEF I am typing then stop to read...

LIZ: I know.. Kris and Miri are too fast for me

MARCHAE: ok so the reader wants to know if we read Ophelia as bi

MIRI: Sorry!

KRIS: NO STOPPING the overlapping is half of our charm

MIRI: Omg Kris

LIZ: There was one thing that made me think that

MARCHAE: GO!

MIRI: Ok, I am deeply bi-ased (hahahahahah) so I want yawl to discuss it first

LIZ: hahaha

MARCHAE: STAP!

MIRI: 😉

MARCHAE: go lizzie

@miri you are my everything LOL

LIZ: Harris said something about her being with Jule (I’m having a brain fart and can’t remember if it is jules or rule..)

MARCHAE: her being with rules?

LIZ: and I think Ophelia was like “not like that” kind of blushing

jULE*

damnit

KRIS: For all of my striving toward wokeness I am generally still slow to pick up on, I guess, Sapphic vibes -- although being a social media-engaged Supergirl fan is training me better -- but I did also note that on my rewatch

LIZ: but it was a micro second kind of moment that made me think.. oh she dates girls too.. cool

so what do you think Kris

KRIS: This is pretty convincing to me:

http://wistfulwatcher.tumblr.com/post/154191025349/harris-has-most-definitely-seen-ofeefs-kissing-a

MIRI: Kris I offer my services if you ever need a consultant on this quest

LIZ: OHHH and PERSON yes thats smart

MARCHAE: AHHHHHHHHHHH

I didn’t even pick up on it!

MIRI: Ahhhhhhhh shit I didn’t even notice the person thing

MARCHAE: SWEET

i also think there is a lot of tension with Ophelia

MIRI: Ok, Reacting to Something officially rules Ophelia to be bi

Or pan, who knows

LIZ: I kind of also thought that was just a more interesting way of putting it.. like IS THERE A LIVE HUMAN JUST RIGHT THERE IN YOUR HOUSE?

MARCHAE: the writing and ACTING are smart like that

KRIS: And on my search for gifs to add to the post later, the scene in the cemetery -- “I think you’re amazing” -- seemed to be another touchstone

MARCHAE: yes!

MIRI: So when we got this question I was like “huh, are people seeing that?

Outside of shipping her and Jules?”

MARCHAE: but we also know that Ophelia doesn’t have friends

MIRI: But upon rewatch it’s pretty solidly set up

MARCHAE: so before the question i suspected that she was just kind of enjoying her new friendship with this person

LIZ: wait whats solidly set up

MARCHAE: she’s wanted that

LIZ: her being bi?

KRIS: yes

LIZ: just confirming

MARCHAE: then after the question we received not only did I pay more attention, but I think again there is definitely some tension

MIRI: I’m honestly so jaded from shows that like to dip their toe in the idea of something happening but will never go for it that I tend to only accept stated queerness

MARCHAE: and she might have a crush on jules!

MIRI: But it does feel very genuine and deliberate here

Which is lovely!

MARCHAE: agreed miri

LIZ: good!

K: consider it canon

KRIS: I think it was a writers room with only one straight man

LIZ: Im HERE FOR THAT

MARCHAE: That’s kind of awesome!

KRIS: (the past tense here kills me)

MIRI: I love it

UGhhhhhhhh I know

LIZ: wait

is it done?

forever

KRIS: I don’t think I’ve ever been so upset about a cancellation

LIZ: LAWD

MARCHAE: yup

LIZ: I CANT

KRIS: They’re shopping it to streaming sites

MIRI: Guys, sorry we’re making you fall in love with a cancelled show

LIZ: THIS FUCKING WEEK

MARCHAE: yeah i found out today

yeah

MIRI: OMG did we not tell you???

LIZ: *BREAK FOR EMOTIONAL BREAKDOWN*

MARCHAE: i was PISSED OFF

LIZ: NO

I DIDNT KNOW

MIRI: I’M SO SORRY!!!!!!!

MARCHAE: and like this is why I DON”T WATCH TV

LIZ: This is the devils week. why not this too!?

anyways

MARCHAE: LOLOL

LIZ: also.. good girls revolt was amazing (to me)

MIRI: I loved it!

MARCHAE: also can i just have my moment for the fact that this show also digs into the issue of racism

LIZ: why can’t bad bitches get a win? why

yes

MARCHAE: and handles it kind of nicely

KRIS: That scene was surprisingly upsetting

LIZ: super upsetting

KRIS: I love that it’s the cop we saw be nice to Jules

MIRI: Yes! Let’s talk about that froyo scene

It’s so well done

MARCHAE: reminded me of trayvon martin

MIRI: And the other cop recognizing that it’s wrong, but not stepping up enough to actually stop it

MARCHAE: i also love that is it harris?

LIZ: like he was being racially profiled.. but he also had the one good thing he was looking forward to smashed on the ground

MARCHAE: yup

LIZ: yeah just kind of being like “sorry, but this is kind of what we do, i won’t stop it”

MARCHAE: it is heartbreaking and realistic

KRIS: That younger cop also comes back

MIRI: I’m glad that they played it very seriously

LIZ: ooo

MARCHAE: I was glad that he didn’t want to be seen as only one kind of black when he fought back with the paper editor as well

KRIS: This show has a really deep bench of minor-ish supporting characters

MARCHAE: they better had!

KRIS: MM I think that’s episode 4

On a lighter note I also really appreciate the importance of froyo to the world-building of this college town

LIZ: yes I’m not familiar

MARCHAE: YES

MIRI: Froyo continues to matter

As does pizza

MARCHAE: and dairy queen soft serve

LIZ: In college, we would plan a whole trek to froyo (we got one a few min away my senior year)

MARCHAE: GURL

MIRI: We once drove to Waffle House at 4 am in the snow

In South Carolina

KRIS: From earlier than I remembered, too -- Ophelia running away from Barton and running into a guy carrying a cup -- “Tart?!”

MIRI: where they can’t handle snow

KRIS: YES the pizza place

MIRI: Huh? What is the cup thing?

KRIS: of froyo

LIZ: Food culture in college .. is something very important and lets think abouthtat

MIRI: OHHHH

KRIS: Ophelia has no patience for Basic things, clearly

MIRI: Also that running away scene is great

LIZ: and by think of that .. I mean.. remember fondly when 4th meals were a thing and breakfast at night reigned supreme.

MIRI: Ophelia has a lot of opinions and I have a lot of feelings about her

KRIS: (I love Jules’s “I like sunsets on Instagram”)

LIZ: ophelia is hilarious.. i love her comment “she’s literate”

KRIS: Ophelia’s ramen diet

MARCHAE: LOL

LIZ: and also that girl [Fiona] trying to be sexy and saying “there are no drapes” so seriously

MIRI: Yeah I definitely want to see that girl eat a vegetable

LIZ: and giving up and being like “IM SHAVED” ahaha

KRIS: Lemon I laughed so loud at “She’s literate?” on my rewatch

MIRI: I love that girl!

MARCHAE: there are a ton of one liners

LIZ: yeah the popcorn for breakfast made even me feel like OH HONEY NO NUTRIENTS

KRIS: So real

MARCHAE: that’s usually my breakfast on sundays after i mop

LIZ: miri what are your many opinions about ophelia

MARCHAE: and i’m old

MIRI: WAIT

LIZ: my dogs eat better than I do so I get it

MIRI: Marchae eat real meals please I worry

LIZ: and you mop before you eat

MARCHAE: yes almost every sunday

MIRI: Ok back to my many opinions: as stated I LOVE HER

LIZ: i had a banana, fake chicken, vegan pasta and granola today.. that is kind of healthy

MIRI: I also really love her need to belong

MARCHAE: i eat popcorn, drink a pepsi and catch up on my shows

LIZ: her need to belong to who or what

KRIS: just in general

LIZ: I guess I am really new

MARCHAE: YES

KRIS: to have friends, to have a cause

MIRI: She’s obsessed with the idea that she’s this cool fuckup who doesn’t need people, but she needs people so MUCH

LIZ: I get that

MARCHAE: its evident from episode one almost immediately

LIZ: we all do! even when we aren’t good at.. people!

MIRI: She jumps head first into this insane vigilante thing

LIZ: MARCHAE

MIRI: and kicks it into a higher gear

LIZ: STOP DRINKING SODA

MARCHAE: i think it makes her so relatable too and you fall in love with her

LIZ: IT WILL KILL YOU

MARCHAE: (mostly only on SUNDAY AFTER MOPPING but WITH POPCORN)

LIZ: I know, she is the perfect.. not robin.. robin

MIRI: She hurts Harris so easily but would be devastated if she actually lost him

LIZ: yeah i love her apology scene to him

MARCHAE: but he loves her no matter what

MIRI: She thinks she’s beyond needing that sort of connection because she can’t have it with her mom

LIZ: just a girl standing in front of a boy.. asking for her job back

KRIS: Yes her bad-friend-ness is great

MARCHAE: *snap snap snaps fingrs*

MIRI: But she’s wrong

KRIS: Dammit Ophelia you know I can’t resist Notting Hill

MIRI: and she needs people so badly

Also she’s just hilarious and brilliant and I love her and Harris’s friendship so much

LIZ: her mom was so rude to her on the phone it made me sad especially because Jules doesn’t have a mom.. and I know those were really briefly introduced to me, but I’m sure those are important issues

MIRI: OH YOU JUST WAIT

On the subject of friendship, there are a ton of examples of girls being very affirmational to each other that really interest me

LIZ: I also love that Harris is.. presumably straight and is not afraid to love RBG or Notting Hill

KRIS: I’m so jealous you’re experiencing this show for the first time

MIRI: Because sometimes they’re played for laughs

But not most of the time

and I love that

MARCHAE: YES!

MIRI: Like, the high girls just need to hug!

LIZ: I wanted to be in the back seat of their car screaming along to Defying Gravity

MIRI: And sometimes Kennedy is a bit ridiculous with her goddess stuff

MARCHAE: i love your love for defying gravity liz

MIRI: But for the most part it is 100% genuine

MARCHAE: Kennedy is the most

MIRI: And so what I do with my friends

LIZ: yeah kennedy suggesting that shit to ophelia was HILARIOUS

basically like “HAVE YOU EVER BEEN TO GOOP.COM?”

MIRI: kennedy is indeed the most

MARCHAE: I am so CURIOUS about what happens when Jules tells her

KRIS: That shot where I assume Fiona and Gabby are on a dolly when they enter Vinylton high on shrooms is perfect

MIRI: So I love that there’s drunk girl in the bathroom type compliments and Woke Freshman type compliments AND really genuine support for each other

KRIS: sorry I was just slow there

LIZ: i think that kennedy will eventually (i mean who knows since it is cancelled) be an ally and join the cause or at least be supportive in a protective way

MIRI: OH JUST WAIT

MARCHAE: if she does I may ink myself!!!

KRIS: I repeat, I am so jealous you’re experiencing this show for the first time

MIRI: It’s a very well plotted season and that is all I will say

MARCHAE: *hugs kris*

UGHHHH i’ll probably finish it this weekend

LIZ: hahaha kris I’m feeling like that repetition is to keep yourself from spoiling

KRIS: There is Jules-Kennedy closure, for sure

Yeah, so, we went really long, even for us. Find the rest of our Reaction here.

EDITED 20 April 2019: You can and should buy Sweet/Vicious on Amazon, Google Play, or iTunes. If you’re here because you just watched Jennifer Kaytin Robinson’s Someone Great, maybe now’s a good time to renew calls for Netflix to add S/V to its library.

#sweet/vicious #juphelia #jules thomas #ophelia mayer #save sweet vicious #miri #liz #marchae #kris #tv #pilot #superheroes #miri is a mom friend #and liz is a daughter of physicians #hence the concern over marchae's diet #they're not wrong #robin's a bitch #feminism #reaction

17 notes · View notes

jeremystrele · 4 years

Text

What Is Home Equity and How Does It Work?

ITTIGallery/Shutterstock

What is equity?

Understanding home equity

If appreciation occurs due to home/property improvements or inflation

Paying down the principal that you owe on your original mortgage

What happens to my equity if my home increases in value?

$100,000 – 10% ($10,000) = $90,000 (original amount of the loan before making payments)

Original loan: $90,000

Payments to date: $10,000 ($90,000 – $10,000 = $80,000 owed)

Value of home: $130,000

Equity: $50,000 ($130,000 – $80,000 = $50,000 equity)

Tips on how to build home equity

Lowering your mortgage balance: The more you pay against your mortgage’s principal, the more equity you’ll have. Just make sure there are no pre-payment penalties.

Making larger mortgage payments: Each time you pay extra on your mortgage and apply that difference to the loan’s principal, you’re building equity.

Change the payment schedule: By making 26 half-payments instead of 12 full payments, you reduce the term of your loan, saving on interest and building equity faster.

Refinance the terms: If you opt to refinance your loan to a shorter-term 15-year loan, you’ll have higher payments but you will build equity faster than with a traditional 30-year loan.

Keep it maintained: Keeping up with regular repairs and maintenance can increase your home’s worth when it comes time to sell, which results in higher equity.

Home equity loans

One of the most beneficial aspects of a mortgage is the ability to borrow against your equity. You can do that with a lump-sum loan or home equity line of credit.

How does a home equity loan work?

There are two types of home equity loans: lump-sum loans and the home equity line of credit.

Qualifying for a home equity loan

Pros and cons of home equity loans

Pros:

Easy qualification: If a lender knows they can use your home as collateral they are more likely to qualify you for and approve your application.

Lower interest rates: Even if the home equity loan is challenging to get, you may find it has lower interest rates.

Cons:

Risk: If you cannot make your loan payments, you risk the home going into foreclosure.

Limitations: If you want to sell your home, you must pay off your home equity debt first.

Frequently Asked Questions

What credit score do you need to get a home equity loan? You have a better chance of qualifying if your credit score is 700 or above.

Author Biography:

The post What Is Home Equity and How Does It Work? appeared first on Freshome.com.

0 notes

owensrhodes · 4 years

Text

What Is Home Equity and How Does It Work?

ITTIGallery/Shutterstock

What is equity?

Understanding home equity

If appreciation occurs due to home/property improvements or inflation

Paying down the principal that you owe on your original mortgage

What happens to my equity if my home increases in value?

$100,000 – 10% ($10,000) = $90,000 (original amount of the loan before making payments)

Original loan: $90,000

Payments to date: $10,000 ($90,000 – $10,000 = $80,000 owed)

Value of home: $130,000

Equity: $50,000 ($130,000 – $80,000 = $50,000 equity)

Tips on how to build home equity

Lowering your mortgage balance: The more you pay against your mortgage’s principal, the more equity you’ll have. Just make sure there are no pre-payment penalties.

Making larger mortgage payments: Each time you pay extra on your mortgage and apply that difference to the loan’s principal, you’re building equity.

Change the payment schedule: By making 26 half-payments instead of 12 full payments, you reduce the term of your loan, saving on interest and building equity faster.

Refinance the terms: If you opt to refinance your loan to a shorter-term 15-year loan, you’ll have higher payments but you will build equity faster than with a traditional 30-year loan.

Keep it maintained: Keeping up with regular repairs and maintenance can increase your home’s worth when it comes time to sell, which results in higher equity.

Home equity loans

One of the most beneficial aspects of a mortgage is the ability to borrow against your equity. You can do that with a lump-sum loan or home equity line of credit.

How does a home equity loan work?

There are two types of home equity loans: lump-sum loans and the home equity line of credit.

Qualifying for a home equity loan

Pros and cons of home equity loans

Pros:

Easy qualification: If a lender knows they can use your home as collateral they are more likely to qualify you for and approve your application.

Lower interest rates: Even if the home equity loan is challenging to get, you may find it has lower interest rates.

Cons:

Risk: If you cannot make your loan payments, you risk the home going into foreclosure.

Limitations: If you want to sell your home, you must pay off your home equity debt first.

Frequently Asked Questions

What credit score do you need to get a home equity loan? You have a better chance of qualifying if your credit score is 700 or above.

Author Biography:

The post What Is Home Equity and How Does It Work? appeared first on Freshome.com.

0 notes

jovialsoulinfluencer · 4 years

Text

What Is Home Equity and How Does It Work?

ITTIGallery/Shutterstock

What is equity?

Understanding home equity

If appreciation occurs due to home/property improvements or inflation

Paying down the principal that you owe on your original mortgage

What happens to my equity if my home increases in value?

$100,000 – 10% ($10,000) = $90,000 (original amount of the loan before making payments)

Original loan: $90,000

Payments to date: $10,000 ($90,000 – $10,000 = $80,000 owed)

Value of home: $130,000

Equity: $50,000 ($130,000 – $80,000 = $50,000 equity)

Tips on how to build home equity

Lowering your mortgage balance: The more you pay against your mortgage’s principal, the more equity you’ll have. Just make sure there are no pre-payment penalties.

Making larger mortgage payments: Each time you pay extra on your mortgage and apply that difference to the loan’s principal, you’re building equity.

Change the payment schedule: By making 26 half-payments instead of 12 full payments, you reduce the term of your loan, saving on interest and building equity faster.

Refinance the terms: If you opt to refinance your loan to a shorter-term 15-year loan, you’ll have higher payments but you will build equity faster than with a traditional 30-year loan.

Keep it maintained: Keeping up with regular repairs and maintenance can increase your home’s worth when it comes time to sell, which results in higher equity.

Home equity loans

One of the most beneficial aspects of a mortgage is the ability to borrow against your equity. You can do that with a lump-sum loan or home equity line of credit.

How does a home equity loan work?

There are two types of home equity loans: lump-sum loans and the home equity line of credit.

Qualifying for a home equity loan

Pros and cons of home equity loans

Pros:

Easy qualification: If a lender knows they can use your home as collateral they are more likely to qualify you for and approve your application.

Lower interest rates: Even if the home equity loan is challenging to get, you may find it has lower interest rates.

Cons:

Risk: If you cannot make your loan payments, you risk the home going into foreclosure.

Limitations: If you want to sell your home, you must pay off your home equity debt first.

Frequently Asked Questions

What credit score do you need to get a home equity loan? You have a better chance of qualifying if your credit score is 700 or above.

Author Biography:

The post What Is Home Equity and How Does It Work? appeared first on Freshome.com.

from https://freshome.com/home-building/what-is-home-equity-and-how-does-it-work/ via What Is Home Equity and How Does It Work?

#Freshome.com - Interior Design & Architecture Magazine

0 notes

maxwellyjordan · 5 years

Text

Small Firm Roadmap Stories: Vision and Values

Lawyerist Lab is a community where solo and small-firm lawyers go to innovate, test, experiment, and improve their law businesses. We’re interviewing Lab members on their experiences as they align with The Small Firm Roadmap.

Justie Nicol and Jennifer Gersch, partners at Nicol Gersch Law PC

“Our personal goals, vision, and values are keyed in across all six team members.“

Tell us about your practice. How did it start? What were you doing before you started it?

My partner Jennifer Gersch and I practice criminal defense around Denver. We’re a virtual law firm and travel through most of Colorado to reach our clients. It’s just the two of us — but we have a team of subcontractors.

I spent four years as a solo attorney before I teamed up with Jenn. And I own and manage a second business (property management — a different skill set!), I had a toddler, I had multiple pets (including an office horse), and everything was getting a little chaotic.

What made you go solo?

Ha! I can’t be a good employee. But really, I reached a point in my career where I wanted the discretion to do what I think is right. I’ve been a prosecutor. I’ve done bankruptcy and tax law. I was an unemployment appeals judge on a contract basis in Idaho. I’ve dabbled in aviation law. You name it. I liked the criminal courtroom because it lets me be creative and I was great in court.

But working in a firm or as a prosecutor, I couldn’t be there for my family and all of my other responsibilities. It was time for me to choose my own fate. I had an undergrad in Accounting and knew I’d like running a business. My dad, an entrepreneur, raised me to be an independent thinker. It all seemed to fit.

What qualities does someone need to be a successful solo or small firm lawyer?

A couple of things. Ideally, a business background — or at least, a willingness to learn. Business work often doesn’t come naturally to lawyers. So, I’d suggest solos audit a couple of business courses where you can learn organizational systems and accounting control procedures.

Also, a thirst for knowledge. Study marketing and accounting, along with systems and processes. These days, you can audit courses for free from places like Harvard and MIT. Listen to a couple of lectures on systems thinking. (Lab’s a good resource here.) Don’t forget your local bar associations and other groups for continuing, substantive, legal education. I know more now about family law – even having never practiced in that area – than I did when I sat for either the Colorado or Idaho bars.

Third, a risk-taker. I was terrified when I started. Probably 90% of lawyers who go out on their own are scared of not making it. You think to yourself: What happens if I invest my personal money and six months from now I’m belly up and I can’t continue doing this?

Solo isn’t sustainable for people who aren’t ready to take that risk. Identify your stomach for risk early. Like, do you hit the six-month mark and fold, or do you go for another twelve months and hope to turn that corner? Know what you’re going to do. Have a plan and know when enough is enough. Thankfully, I haven’t reached that point yet.

Last, be organized. Have a backup plan. You can always approach another like-minded attorney and join forces. You may also be able to sell your practice and go back to big-firm or government work. Or you can give up the law entirely, and rely on things like a real estate broker’s license or another career altogether.

Before you joined Lawyerist Lab, what was happening in your business?

I’d been solo for years, and I was about to team up with Jenn. Before joining Lab, I was an Insider. I read all the free resources. I dug into how to write a business plan. I listened to the podcast. But then when it was time to bring on a partner, I felt lost.

I didn’t know how to get the systems in my head onto paper so a new person could understand. I had to drum up my supervising chops again. I needed help figuring out how to make this transition.

Having a partner is different than a junior associate. She’s a friend and a peer, so I had to reframe my approach. I had to think about compensation systems, maternity leave, caseloads. It was overwhelming. I needed some help!

What Lab tools have you found the most helpful?

For one, vision planning with the team. Along with new partner Jenn, we’ve added contractors and interns, and we want everyone to be on the same page. It was enlightening to work on planning with the team and see what feedback I received. Working with everyone on our values and our future was a big step.

Second, the community — having a group of people to bounce ideas off and getting that validation from lawyers who are working on the same issues or have the same ideas is really, really valuable.

Lab feels like a backup plan and a safety net, in some ways. I’m not doing this alone.

What’s one area of The Small Firm Scorecard where your firm is doing well? How are you maintaining that growth?

Our personal goals, vision, and values are keyed in across all six team members.

We maintain a master vision notebook, which is also where we list our goals, as well as KPIs. We’re starting to build out the notebook to include client journeys and marketing.

The vision book (which is branded and nicely designed) is for everyone on our team — not just partners and associates. It’s so much more than a business plan. I update it monthly and email it around to keep it top of mind for everyone — but it’s always open for anyone to review.

We also have assigned homework prior to team meetings to help us set our vision and values for the whole company and incorporate everyone’s answers in this vision book. Everyone has a stake that way.

What are you working on for the coming quarter?

Partner Jenn is going on maternity leave, so we’ll be in a bit of survival mode. We have contract attorneys coming into help. We’re exploring partnering with new associates. And we all have kids! So I love the idea of turning the stereotype of a criminal defense firm on its head — we’re all women, we all have kids, and we’re blowing it up.

Along that line, we’re focusing on our core values. Having kids brings work/life balance into focus, along with being able to hold on to who we are. As a personal example, I got hired at a firm years ago who made me take out my facial piercings. They had sentimental value and they were me. I don’t want a firm where we have to change vital things about ourselves to conform. I’m not into conforming. I want to support our people so they can support our clients.

We encourage rebelliousness. We’re a remote firm. We don’t care when or how you work— just if you get your work done. And I’ve never had to check-in with any employees to make sure they were doing their work. My team is killing it. So, for this quarter, we want to continue that momentum.

Nicol Gersch Law was founded in 2019 when long-time colleagues and friends, Justie Nicol and Jennifer Gersch, looked around at the criminal defense community and realized partnering up was the way to go. Not only are Justie and Jenn working together now, but they’ve litigated cases together for about 15 years–all the way back to their Moot Court days at the University of Denver Sturm College of Law. Hear more about Justie’s philosophies here.

The post Small Firm Roadmap Stories: Vision and Values appeared first on Lawyerist.

from Law http://feedproxy.google.com/~r/solosmalltech/~3/N-v0dJbtshI/ via http://www.rssmix.com/

#law #justice

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lesliepump · 5 years

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Small Firm Roadmap Stories: Vision and Values

Justie Nicol and Jennifer Gersch, partners at Nicol Gersch Law PC

“Our personal goals, vision, and values are keyed in across all six team members.“

Tell us about your practice. How did it start? What were you doing before you started it?

What made you go solo?

What qualities does someone need to be a successful solo or small firm lawyer?

Before you joined Lawyerist Lab, what was happening in your business?

I didn’t know how to get the systems in my head onto paper so a new person could understand. I had to drum up my supervising chops again. I needed help figuring out how to make this transition.

What Lab tools have you found the most helpful?

Second, the community — having a group of people to bounce ideas off and getting that validation from lawyers who are working on the same issues or have the same ideas is really, really valuable.

Lab feels like a backup plan and a safety net, in some ways. I’m not doing this alone.

What’s one area of The Small Firm Scorecard where your firm is doing well? How are you maintaining that growth?

Our personal goals, vision, and values are keyed in across all six team members.

We maintain a master vision notebook, which is also where we list our goals, as well as KPIs. We’re starting to build out the notebook to include client journeys and marketing.

What are you working on for the coming quarter?

The post Small Firm Roadmap Stories: Vision and Values appeared first on Lawyerist.

from Law and Politics https://lawyerist.com/case-studies/nicol-gersch-vision-values/ via http://www.rssmix.com/

#Legal #law

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michaelfallcon · 5 years

Text

Umeko Motoyoshi: The Sprudge Twenty Interview

Umeko Motoyoshi (Photo by Evan Gilman)

Welcome to The Sprudge Twenty Interviews presented by Pacific Barista Series. Over the next few weeks, we’ll be featuring our 2019 featured class of Sprudge Twenty honorees, each one changing the coffee game worldwide. For a complete list of 2019 Sprudge Twenty honorees please visit sprudge.com/twenty.

Umeko Motoyoshi is an entrepreneur, coffee professional, technologist, social media provocateur, whistleblower, and advocate for the marginalized. They are the founder of Umeshiso.com, the VP of Technology at Sudden Coffee, and the creator of @wastingcoffee on Instagram, among other ventures. They are the Sprudgie Award winner for Outstanding Achievement in the Field of Excellence for 2018, and the founder of CHANGING STRUCTURES in collaboration with the #CoffeeToo Project. In 2018 Motoyoshi was a named whistleblower in the Four Barrel Coffee sexual harassment scandal and subsequent legal action.

TBCH that’s roughly half of what we could have listed here for accomplishments related to Umeko Motoyoshi, who exemplifies the spirit and intentionality of the Sprudge Twenty through their multi-faceted work across the specialty coffee industry. Read more in Sprudge co-founder Zachary Carlsen’s recent interview with them here.

Nominated by Kat Melheim.

What issue in coffee do you care about most?

Balancing distribution of resources (especially financial resources) throughout the value chain, improving worker conditions throughout the value chain, and modeling positive change for other industries throughout the value chain.

What cause or element in coffee drives you?

Space for growth, because I believe that the specialty coffee industry has the potential to radicalize into a social and political movement to end colonial norms within supply chains across the world.

What issue in coffee do you think is critically overlooked?

The imbalanced power between different genders compounding with imbalanced power between customer and hospitality worker, and how that compounded imbalance is both constructed and supported by current hospitality standards. It’s been written about brilliantly and still is not taken into account in any well-established hospitality ethos.

What is the quality you like best about coffee?

I love there are a million new things that I can learn about it every day. It moves through such a broad range of systems at micro and macro scale and can be examined through infinite lenses.

Did you experience a “god shot” or life-changing moment of coffee revelation early in your career?

My interest in coffee began during childhood as an appreciation for ritual, while I watched my father perform Japanese tea ceremonies.

The sensory component came later. I’d worked in coffee for about six years before I experienced a coffee that really amazed me—it was a Colombian superblend from the Andino association.

That coffee, the first coffee I ever felt dazzled by, was roasted and brewed by Four Barrel Coffee, and I’d just started work there as a barista. About five years later, I co-organized a multi-complainant lawsuit against that company for sexual harassment and assault.

This is just one example of the ways that my experiences within specialty coffee as a taster and learner hold tension with my experience as a femme person within structures of shockingly enabled misogyny.

And because both realms have deeply impacted me, I work to reconcile them—both externally and internally.

What is your idea of coffee happiness?

A rewarding value chain that is accessible and positive for everyone from pickers to consumers.

If you could have any job in the coffee industry, what would it be and why?

I think I have the job I want. I’m a writer, consultant and inventor, and I sell gay spoons.

Who are your coffee heroes?

Everyone who uses their knowledge and skill set to connect with and support others in their learning.

Every barista who has never competed but works floor shifts every day, shows up for their co-workers, looks out for their customers, knows how every coffee is tasting, and lowkey covered every item on the shift change checklist so everyone could leave on time.

The people who don’t necessarily get a spotlight on them but they’re doing the damn thing and they’re doing it with incredible skill.

If you could drink coffee with anyone, living or dead, who would it be and why?

My dad, who passed away in 2012, because I miss him. I never got to make him a pour-over. I never got to make coffee for him when I actually knew what I was doing. I wish I could source and roast a really nice coffee just for him, based on the flavor profiles he enjoyed, and serve it to him in a small, handle-less cup with a ceramic carafe, paired with Japanese pastry.

If you didn’t get bit by the coffee bug, what do you think you’d be doing instead?

I’d be an herbalist and performance artist.

Do you have any coffee mentors?

These are people who I look up to a lot, that I continue to learn from all the time: Jenn Chen, Michelle Johnson, Kim Elena Ionescu, Jen Apodaca, Candace Madison Zachary, Laura Perry, and Mayra Orellana Powell.

What do you wish someone would’ve told you when you were first starting out in coffee?

TRUST YOUR GUT.

Name three coffee apparatuses you’d take into space with you.

Ok, so I’m going to assume I’m inside a space station for this question. First, probably an AeroPress (I’m counting filters as part of the AeroPress). On Earth, I don’t normally use an AeroPress that often, but in zero gravity a pour-over system wouldn’t work, and I couldn’t commit to drinking a French press every day. Other brewing systems that might work in zero gravity involve too much user complexity or power draw to be my daily go-to on a space station.

I just don’t know how I would get the coffee and water into the AeroPress in zero gravity. So I might try to rig some kind of seal with valves so that I can force coffee and water into the brewing chamber, then place the AeroPress plunger on top, and then slide the seal out. So that might be the second apparatus. I might try agitating and ensuring even saturation by gently shaking the sealed AeroPress.

Also, I’m assuming I’d be in a space station where the internal atmospheric pressure is regulated so I could boil water at a high enough temperature to brew coffee. But I don’t know enough about that.

I would store my coffee outside in the cold vacuum of space for ultimate freshness. So I guess I’d take a string to tie my bag of coffee to the outside of the space station. The string would be my third apparatus.

Obviously, if this were the Star Trek universe I could just get a raktajino from any replicator.

Best song to brew coffee to:

“Pour It Up” by Rihanna

Look into the crystal ball—where do you see yourself in 20 years?

Probably on the space station with my string and my AeroPress.

What’d you eat for breakfast this morning?

Water, vitamins, more water.

When did you last drink coffee?

Around 11am today.

What was it?

An espresso flight.

Thank you.

The Sprudge Twenty is presented by Pacific Barista Series. For a complete list of 2019 Sprudge Twenty honorees please visit sprudge.com/twenty

Zachary Carlsen is a co-founder and editor at Sprudge Media Network. Read more Zachary Carlsen on Sprudge.

The post Umeko Motoyoshi: The Sprudge Twenty Interview appeared first on Sprudge.

Umeko Motoyoshi: The Sprudge Twenty Interview published first on https://medium.com/@LinLinCoffee

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epchapman89 · 5 years

Text

Umeko Motoyoshi: The Sprudge Twenty Interview

Umeko Motoyoshi (Photo by Evan Gilman)

Nominated by Kat Melheim.

What issue in coffee do you care about most?

What cause or element in coffee drives you?

What issue in coffee do you think is critically overlooked?

What is the quality you like best about coffee?

I love there are a million new things that I can learn about it every day. It moves through such a broad range of systems at micro and macro scale and can be examined through infinite lenses.

Did you experience a “god shot” or life-changing moment of coffee revelation early in your career?

My interest in coffee began during childhood as an appreciation for ritual, while I watched my father perform Japanese tea ceremonies.

The sensory component came later. I’d worked in coffee for about six years before I experienced a coffee that really amazed me—it was a Colombian superblend from the Andino association.

And because both realms have deeply impacted me, I work to reconcile them—both externally and internally.

What is your idea of coffee happiness?

A rewarding value chain that is accessible and positive for everyone from pickers to consumers.

If you could have any job in the coffee industry, what would it be and why?

I think I have the job I want. I’m a writer, consultant and inventor, and I sell gay spoons.

Who are your coffee heroes?

Everyone who uses their knowledge and skill set to connect with and support others in their learning.

The people who don’t necessarily get a spotlight on them but they’re doing the damn thing and they’re doing it with incredible skill.

If you could drink coffee with anyone, living or dead, who would it be and why?

If you didn’t get bit by the coffee bug, what do you think you’d be doing instead?

I’d be an herbalist and performance artist.

Do you have any coffee mentors?

What do you wish someone would’ve told you when you were first starting out in coffee?

TRUST YOUR GUT.

Name three coffee apparatuses you’d take into space with you.

Obviously, if this were the Star Trek universe I could just get a raktajino from any replicator.

Best song to brew coffee to:

“Pour It Up” by Rihanna

Look into the crystal ball—where do you see yourself in 20 years?

Probably on the space station with my string and my AeroPress.

What’d you eat for breakfast this morning?

Water, vitamins, more water.

When did you last drink coffee?

Around 11am today.

What was it?

An espresso flight.

Thank you.

The Sprudge Twenty is presented by Pacific Barista Series. For a complete list of 2019 Sprudge Twenty honorees please visit sprudge.com/twenty

Zachary Carlsen is a co-founder and editor at Sprudge Media Network. Read more Zachary Carlsen on Sprudge.

The post Umeko Motoyoshi: The Sprudge Twenty Interview appeared first on Sprudge.

seen 1st on http://sprudge.com

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mrwilliamcharley · 5 years

Text

Umeko Motoyoshi: The Sprudge Twenty Interview

Umeko Motoyoshi (Photo by Evan Gilman)

Nominated by Kat Melheim.

What issue in coffee do you care about most?

What cause or element in coffee drives you?

What issue in coffee do you think is critically overlooked?

What is the quality you like best about coffee?

I love there are a million new things that I can learn about it every day. It moves through such a broad range of systems at micro and macro scale and can be examined through infinite lenses.

Did you experience a “god shot” or life-changing moment of coffee revelation early in your career?

My interest in coffee began during childhood as an appreciation for ritual, while I watched my father perform Japanese tea ceremonies.

The sensory component came later. I’d worked in coffee for about six years before I experienced a coffee that really amazed me—it was a Colombian superblend from the Andino association.

And because both realms have deeply impacted me, I work to reconcile them—both externally and internally.

What is your idea of coffee happiness?

A rewarding value chain that is accessible and positive for everyone from pickers to consumers.

If you could have any job in the coffee industry, what would it be and why?

I think I have the job I want. I’m a writer, consultant and inventor, and I sell gay spoons.

Who are your coffee heroes?

Everyone who uses their knowledge and skill set to connect with and support others in their learning.

The people who don’t necessarily get a spotlight on them but they’re doing the damn thing and they’re doing it with incredible skill.

If you could drink coffee with anyone, living or dead, who would it be and why?

If you didn’t get bit by the coffee bug, what do you think you’d be doing instead?

I’d be an herbalist and performance artist.

Do you have any coffee mentors?

What do you wish someone would’ve told you when you were first starting out in coffee?

TRUST YOUR GUT.

Name three coffee apparatuses you’d take into space with you.

Obviously, if this were the Star Trek universe I could just get a raktajino from any replicator.

Best song to brew coffee to:

“Pour It Up” by Rihanna

Look into the crystal ball—where do you see yourself in 20 years?

Probably on the space station with my string and my AeroPress.

What’d you eat for breakfast this morning?

Water, vitamins, more water.

When did you last drink coffee?

Around 11am today.

What was it?

An espresso flight.

Thank you.

The Sprudge Twenty is presented by Pacific Barista Series. For a complete list of 2019 Sprudge Twenty honorees please visit sprudge.com/twenty

Zachary Carlsen is a co-founder and editor at Sprudge Media Network. Read more Zachary Carlsen on Sprudge.

The post Umeko Motoyoshi: The Sprudge Twenty Interview appeared first on Sprudge.

from Sprudge http://bit.ly/2GpHgGs

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haleyfury · 5 years

Text

I’ve read many good books so far this year, but I think March has been my favorite reading month in 2019. I was on spring break for the first week of the month, in which I devoured 5 books while crying over school assignments and binge-watching two seasons of a Netflix show. While I have been reading for fun during the semester, I just felt so much like my reading self during the break, devouring books left and right! I read a total of 10 books in March and did get to some “meaning to watch” TV and movies this month.

Within These Lines by Stephanie Morrill (ARC) | 4/5

I’m always ready for a World War II historical fiction read, including Stephanie Morrill’s Within These Lines. This book is really unique in the genre, as one of the main protagonist is sent away to a Japanese internment camp in the 1940s US.

The Wrong Side of Right by Jenn Marie Thorne (ARC) | 5/5

The Wrong Side of Right was a recent TBR addition that I’m so glad is now part of my recently read shelf. I consider myself a connoisseur of my local library’s YA section, so I don’t know how I haven’t read this 2015 release before!

Small Town Hearts by Lillie Vale (ARC) | 5/5

Small Town Hearts is 100% the summer contemporary everyone needs in their bookish lives. This book still has me craving beach days with an iced coffee in tow.

Serious Moonlight by Jenn Bennett (ARC) | 5/5

My most anticipated book of 2019, Serious Moonlight completely delivered in all the right feels. Jenn Bennett is seriously the queen of contemporary romance. I still find myself thinking about Birdie and Daniel’s story.

Puddin’ by Julie Murphy | 4/5

After rereading Dumplin’ in January, it was time to move on to its companion novel, Puddin’. I actually didn’t mind the dual perspective narrative, although I did prefer Mille to Callie (I just didn’t understand some of Callie’s actions). I really liked the focus on friendship in this one and Millie’s positive attitude was just so contagious. I found myself rooting for her throughout.

Girls With Sharp Sticks by Suzanne Young (ARC) | 4/5

Suzanne Young’s latest release, Girls With Sharp Sticks, was another addicting read this month for me! This book about girls who are trained to be proper women (for men) was quite an eerie and thrilling read, but also in ways, felt similar to own world.

The Girl He Used to Know by Tracey Garvis Graves (ARC) | 4/5

I love a good adult contemporary read, including Tracey Garvis Graves’ upcoming The Girl He Used to Know. This book felt like a mix between Taylor Jenkins Reid and Gail Honeyman’s Eleanor Oliphant is Completely Fine. If you’re looking for a sweet contemporary romance, this one is for you.

99 Percent Mine by Sally Thorne | 3.5/5

I had a long weekend home this month, and after a stressful few weeks at school, I knew I needed some light contemporary to help relax. 99 Percent Mine was a fun and swoon-worthy read, but I felt that the story could have gone a tad more in-depth and the dialogue was hard to follow at times.

Fame, Fate, and the First Kiss by Kasie West | 4/5

Feeding my need for light contemporary, I picked up Kasie West’s first 2019 release, Fame, Fate, and the First Kiss. While it had some predictable storylines, this book was just really fun, as Lacey stars in her first movie and deals with sabotage and on a much sweeter note, first love. I also liked its role as the companion novel to Love, Life, and the List. Overall, this book made me even more excited for Kasie West’s next 2019 release, Maybe This Time!

Catwoman:Soulstealer by Sarah J. Maas | 5/5

I wanted to end this month with a book that wasn’t contemporary, which led me to the only book I haven’t read by one of my favorite authors: SJM’s Catwoman: Soulstealer! I completely loved SJM’s take on Catwoman and Gotham City, including the appearances from Batwing, Poison Ivy & Harley Quinn!

Last Chance U S2 and S3 (Netflix) – Blame it on my Friday Night Lights addiction, but I’ve been more interested in football. This Netflix docuseries following junior college football is just so good! It provides such great insight into college and professional football and sports. You’ll also find yourself cheering for so any of the people involved.

All or Nothing: The Michigan Wolverines (Amazon Prime) – If you couldn’t tell, football-inspired TV seems to be my new thing. I flew through All or Nothing: The Michigan Wolverines over one weekend (and yes, I made sure most of my homework was done first).

Brooklyn Nine-Nine S6 (NBC) – I love giving my mini Brooklyn Nine-Nine S6 updates in each wrap-up. “The Golden Child,” featuring the one and only Lin Manuel-Miranda, was so hilarious, but I think my favorite episode this month was “The Therapist!” It made me want to go back and rewatch the season.

Period. End of Sentence. (Netflix) – This short documentary about the stigma surrounding menstruation in India was so insightful and really makes you think about such stigmatization around the world. I’m so happy it won the Oscar!

One Day– Maybe it’s because it’s a book-to-movie adaptation, but I’ve seen so much love for One Day in the book blog community. BUT THE ENDING JUST RUINED IT FOR ME!

The Notebook– Okay, okay, yes even I can’t believe I haven’t watched this classic before (shoutout to Netflix for adding more 2000s movies!). I really didn’t understand what the hype was about, until the last 15 minutes! Highly recommend having the Kleenex prepared.

Amy Schumer’s Growing (Netflix)- I’ve really enjoyed Netflix’s female comedian specials. Growing was the perfect laugh I needed after a long two days of school and homework.

Selling Sunset (Netflix)– This fangirl loves her reality TV binges, including Netflix’s first docusoap series. I found myself especially invested in the last four episodes and I am already more than ready for a hopefully S2.

Favorite Movie rewatches: Mona Lisa Smile and Legally Blonde (Netflix)- If you’re in need of some motivation to get through the rest of the semester or your current work life, look no further than these two favorite movies of mine.

Reviews

CAN’T PUT THIS BOOK DOWN: Girls with Sharp Sticks Review

BEACH & BAKING: Small Town Hearts Review & Recipe

MY READER HEART: A Heart in a Body in the World Review

NEW AUTO-READ AUTHOR: This Adventure Ends Review

COLLEGE YA FUN: The Dating Game Review

LIVE LOVE HISTORICAL FICTION: Within These Lines Review, Quotes & Giveaway

FEMALE FANTASY LOVE: Truthwitch & Windwitch Review

Bookish Fun:

Top Five Wednesday: Spring Reads

Top Five Wednesday: From Liking to Loving Books

Parks & Recreation Book Recommendations

SPRING SHELVES: Spring 2019 Anticipated Releases

BRING ON THE BOOKS & TV: February 2019 Wrap-Up

What did you read or watch in March? Share in the comments!

A FAVORITE BOOK & TV MONTH: March 2019 Wrap Up I’ve read many good books so far this year, but I think March has been my favorite reading month in 2019.

#March 2019 #March Wrap UP #Wrap Up

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weannoyingbouquetgalaxy-blog1 · 6 years

Text

Where to go to get a quote?

"Where to go to get a quote?

Hi people, I'm seventeen, taking my driving lessons but find it incredibly hard to get a quote for insurance. I want a rough estimate so i know how much to save but every site i have checked is for someone who already owns a car. If anyone has any good sites or references for my position it would be appreciated. thanks dudes XD

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I'm going to sell my car and use public trans and my bike to get around. I'm wondering if/when I get a car again will I have high rates because it will look like I had a laps insurance.

Insurance for learner drivers?

I am going to put on the insurance of my Granny's brand new Kia Picanto next month to practise driving as well as having lessons. My grandparents, parents & me are going to be insured and I just wanted to know what the cheapest insurance company for learner driver's were. I have already used comparethemarket.com but some were very expensive. Are there any cheap insurance companies for learner drivers? I am aged 17""

Free medical insurance and dental in cali??

hello, im a 21 year old student who needs insurance! my family doesnt qualify for free insurance from the state, but my mother is not working to get insurance. does anyone know of a free or at least cheap way to get insurance? thank you.""

""Car shopping, when do I get the insurance?""

Im looking for cars, and I currently dont have full coverage, which I will need once I get a car I have to finance. Since I dont know if Im going to get the car Im going to look at I'm obviously not going to get the insurance for it before I leave my house! My bf said to call an insurance company and give them the info and get a quote, then if I get the car I can call the insurance co from the dealership and complete it. But I may look at several cars, so I dont know how this works. I thought it would be best to buy the car, go home and take car of the insurance thing and just go pick up the car the next day. Is that nuts?""

Insurance rates for Volkswagen beetle?

Hi there! I'm 16 and looking into getting a Volkswagen beetle. I've been searching on craigslists and they have some cheap ones on there. What are the insurance rates on them?? I'm looking at year 1998-2003.

Will you buy the Life Insurance ? Why? How much?

Some people are concerning about Health Insurance more than Life Insurance and I don't know which one I should buy first.

Computer experts: tips on how to insure the longevity of ones computer?

System Properties: Microsoft Windows XP Home Edition Version 2002 Service Pack 2 Dell Dimension DEO51 Intel(R) Celeron(R) CPU 2.53GHz 2.53 GHz. 768 MB of RAM AT&T Yahoo service provider - MODEM Speedstream 4100 My Comp. Tech told me he had tripled the memory; so the above specs. may not be accurate with regard to this. When not in use, I always put it on Stand By . Disk Fragmenter: when should I, and should not, utilize this? I'm 74 yrs. old, and had never even touched a computer til I retired; and have no formal education in computer operations. So please delineate your responses in layman's terms. Any recommendations so as to insure my computer's longevity would be greatly appreciated. Thank you, Alberich""

Should an average person buy a life insurance?

First time dealing with car insurance for a 19 yr old?

I just finished drivers ed today and I want to go ahead and get my drivers license because also Lowes called me and want me to come in for orientation! Crazy day right? 2 good things in 1 day. But anyways the Lowes that I should be working at is maybe 15 minutes away and the position I have should be a night position. I'm sure my mom doesn't want to drive around at night so I told her she can just give me the car at night. Here's the thing my dad said he'd have to put me on his insurance. I would like to get my own insurance so they can save some of there money. So can anybody point me in any direction or give me some tips. Because im clueless when it comes to car insurance. Right now my mom is asking me do I have to work there. I plan on grabbing this job because I've been looking for awhile and I finally got 1. Ain't no telling when I'll get another one

What is the average insurance rate for a 16 year old driver.?

16 year old driver with a 3.2 GPA. PLEASE GIVE ACTUAL ESTIMATED RATES, NOT A BUNCH OF PARAGRAPH TALK. I do realize I must contact my agent (dads agent) for exact amounts, and that it varies a LOT even by zipcode. But I am needing just an estimated amount to draw up some figures. I am looking at a 2009 Suzuki Equator or a 2008 Suzuki XL7. Please help! Thanks! (California)""

How to buy insurance for short-time visits to USA?

Some friends/family are visiting USA for 3-4 months. What insurance is the best to buy?

How to lower my auto insurance?

Ok so I bought my 2004 volvo S60 2.5T AWD on 05/11/2011 and the insurance is killing me. I'm 20 years old and had my license for 2 years. I know it goes down when you've had your license for 3 years but that won't help right now. I'm with GEICO right now paying 371.00 a month! I know and this is actually the cheapest insurance company I was able to get!! My last payment will be on 10/11/2011 and then I will have to start a new policy. However I called them and asked them if my rate will go down once I renew with them, and they said no...... Well I did a new quote online and my rate would be $318 a month so I don't know why they keep telling me it won't change!!!!! So my question is can my mom get the insurance even though it's my car?""

What is a good and cheap insurance for a Acura Rsx 2002?

I just recently got my license and want to know of good and cheap insurance for my car.

How much is insurance??????????

i want to buy a used car/motorcycle but i need to pay rent and im scared my job wont cover insurance anyways how much would insurance be for 1 year? can i get a better deal also if we have a family plan thing or w.e i mean we got 3 cars and have insurance but i want my own car idk if my parents are up to pay but would it be cheaper if i put it under their name with the plan or w.e PS. WE DO NOT HAVE ANY DUI's OR CRASHES OR ANYTHInG WHATSOEVER that has to do with our cars getting hit or dmged or anything.

How does the insurance company know what Annual Mileage I am actually doing?

I bought a car last Sunday from a private seller, but was not able to drive it home because of no insurance. The person kindly offered to keep the car in his garage till I get an insurance cover. Today I went to pickup my car, but that guy was not there, his friend was there to hand me the keys and drive back home. When I test drove the car it was 87k miles exact, now today when I collected it, it went upto 87,806 miles, +806 miles extra. The seller is not answering my calls, the only thing worrying me is that I quoted my Annual Mileage up 6000miles, but already my car raked up 806 miles in one week. Please help, and don't abuse coz I am already down being cheated? Why bad things happen with do-gooder?""

I need help understanding Health Insurance Deductibles?

Ok, so I'm going to get health insurance and I'm Having a challenge trying to understand the deductible situation. The Health Insurance I'm looking into is Blue Shield of California and they have many plans, and it seems that the prices get a bit higher when the deductible gets lower. What does the annual deductible mean? Is that the amount that I have to pay off first before my insurance can cover me?""

How much does my car insurance go up if someone sues my insurance for getting hurt in accident?

my daughter was driving my car and got in accident (her fault) and the girl with her is suing, will my ins go up a lot more than just the four surcharges for an accident?""

How much is car insurance for a range rover a month?

I'm almost 16 and I wanted to know how much is car insurance for a Range Rover HSE, since that's the car i want.""

Education in finance and insurance?

I am 43 and working as middle level executive in insurance.I would like to know about some advanced courses in life insurance and finance.

Any suggestions on how to lower my car insurance?

I'm an 18 year old female driver, and about a month ago I got into a bad car accident due to a malfunction. When this occurred, the insurance and everything else was under my dad's name. Now that I bought a new car, my dad wants everything to be under my name because he doesn't want to get screwed over with high insurance and such, but the quote I got from Travelers (which was the insurance my dad was under)was around $800 a month, to insure my 2007 Honda civic, and my job doesn't pay enough to afford that. And I have other monthly bills to pay as well. Any suggestions on what I could do? Or what insurance company to switch too? Any helpful information is appreciated!""

Car financed by me with co-signer. Co-signer pays insurance?

I'm planning on purchasing a car with the help of my dad co-signing, since he has established credit. Can my father pay for the auto insurance (it'll be cheaper), while I own the car? In other words, can I get the car registered under my name with the auto insurance under his? Reason for this is to help me establish my credit also. Or should I forget all the idea and just have my father's name under everything?""

Think of buying a catagory D car which is an insurance write off?

I have just been to view a 2005 Nissan Micra with 13100 on the clock the car had a crush which damage the tail gate and the bumper both have been replaced to a high standard. The car would be worth 5000 but is selling for 2200. Everything seems good at 1st glance but i am concerned about insurance and weather or not it's a good ideal to take the gamble. The seller showd me the before and after pictures of the car and it seemed to fit wot he was saying. He also has a valied MOT which is a month old I don't plan on selling the car if i buy it. How much damage can a knock do to the front of the vehicle or any of the important parts? Please can someone advise wot the best thing would be to do?

Can a financial advisor from AXA sell you New York life insurance?

I'd like to know if a financial advisor that works for AXA Advisors offer clients New York Life insurance products. Thanks in advance! I'm in CA by the way.

Auto Insurance Increase?

My family lives in New Mexico and my son is planing on moving to Arizona I want to keep him on my insurance but when he changes his drivers license to the state of Arizona will my insurance go up?

Where to go to get a quote?

Driver Education/Insurance Rate Information?

For my Driver Education class, one of the assignments goes as follows: Call a local vehicle insurance company and ask if you can take a few minutes to ask some questions. Ask what the insurance rates will be for you when you are ready to drive. Also, ask what the rates would be for someone your age who is not taking any driver education classes. What will the rates be when you are 25 years old? What are they for a person without driver education? What are they for someone convicted of driving while intoxicated? If anyone could spare me the phone call, it would be greatly appreciated.""

Low- cost insurance for my 2 year old???

Is it possible to get insurance for my 2 year old at a low rate WITHOUT insuring myself or my husband? We tried getting on our state's medicaid program (which was originally started for people who couldn't get health insurance through their jobs but left that behind long ago!) but of course my husband and I make too much money. Every insurance quote we've been given has been astronomical and we'd have to insure one or both of ourselves to get insurance on the baby. What can I do??? We've also both asked our employers to look into health insurance for their employees and it's still just too expensive!

How much does canadian car insurance cost for a 20yr old male NEW driver for a used CAR or used SUV?

Just give me an estimate for a car or an suv in canada. Just an estimate. I know its different for all cars and suvs but just give me an idea obviously the differences CANNOT be thousands and its gonna be in a certain range. if u can give me a range fine, give me a range im just a new driver and male, 20. these stupid car insurance companies cant even give me that much its not like im going to be paying 9000$ instead of 300$.""

Is there affordable insurance that covers pre-existing pregnancy?

My friend lost suddenly in a car wreck a couple weeks ago. Days later she found out that she is expecting. Cobra coverage through his insurance company is over $600 monthly. She is having a hard time finding insurance with her pre-existing condition. Does anyone know of an insurance company with reasonable rates that would be willing to cover her?

Car insurance quote help!?

I am 18 years old and received my Florida permit when I was 16, and my Florida drivers license when I was 17. I'm looking for a car and have been searching for a good insurance quote. I've tried everywhere from geico, progressive, all state, etc. But they all seem to be VERY high. Anyone know of a cheaper/better insurance company that will give me a good quote? Thank you for the help!""

Car insurance questions please help?

my husband's car has been in the shop for a week i have been driving him back and forth to work when i can and he has been asking friends for rides when i am working yesterday i was in a car accident, someone u-turned into me, i can no longer take him to work obviously because my car is now getting repaired, his friends are tired of making the drive (it is about 20 miles one way) they keep offering him their cars saying because he is an insured driver and their cars are insured that it is fine for him to drive it I don't buy this because when we were shopping for car insurance the people made it clear to me the only person aloud to drive his vehicle was him even though I was insured with a different company under my mother's name what is the truth concerning insured drivers on separate policies driving other insured vehicles that their name is not on the policy""

Where can i find cheap full coverage auto insurance?

Insurance complaint?

i just insured my car and my previous insurer will not send me my no claims forms for me to show to my new insurance company which is resulting in my insurance going up 500 is there any where i can complain

""How much is Insurance on Fireworks up to $2,000,000.00 in Maine?""

Thinking about opening up a Fireworks shop and want to know how much I'm looking at a year for insurance need a policy with the min $2,000,000.00.""

Whats the cheapest car insurance for a 16 y/o boy?

I'm getting my liscense soon and we have allstate and its expensive as hell! I live in texas and i dont plan on buying a sports car so how much would my insurance be you think and where should i go for cheap insurance?

Car insurance rate (red light ticket!)?

Sorry if this is too long, but i really need help! I just got a ticket for turning right on red w/o stopping in WA state. i googled and know that insurance companies don't often check driving record. unless when you make some change to your policy, make a claim or every 2 renewal cycles? my questions are: -How long does it take for my insurance company to notice this if i don't make any changes to my policy or make a claim within 3 yrs (this will stay on my record for 3 yrs right?)??? -Usually how long is ONE renewal cycle in car insurance? -If i tick the mitgation hearing option, and explain the infraction to the judge and he/she reduce my penalty, Does that mean the record will stay on me shorter? the penalty money will reduced? and hopeful insurance company will not increase my rate? -I am a student and I am cover under my dad's insurance, so if they increase my rate, does that mean the whole amount of premium increase or just my part? PS: if this help, my insurance company is American Family Insurance. I just switch to it 3 months ago.""

Which is better hmo or ppo insurance?

How Fast Does Car Insurance Start?

Can I buy insurance today and have it ready same day or next day or is there a long process before it starts. I want to buy a car tomorrow, get insurance, and drive the car to my job by Friday.""

How do I know if my insurance company is treating me fairly?

I was recently in an accident. The offer that my insurance company is making is much lower than NADA and Kelley Blue Book values--the insurance company is offering 9,200 and the NADA value is 11,600 (KBB is 12,500). They said that their estimate was based on the local market value and was an average of private party and dealer values. They looked within a 100-mile radius and found similar cars. They then adjusted the value to reflect the mileage of my car, but I don't know how exactly they calculated this adjusted value. I bought my car from a dealership seven months ago--shouldn't the replacement value be the retail value? Also, I had a Subaru WRX and they compared it to WRXs and to Impreza Outback Sports. I looked on autotrader.com and on other Internet resources and found WRXs that were listed much higher than the WRXs in their market report, and I don't know what to do--I don't want to spend the money for a lawyer, but I feel as if I am fighting a losing battle.""

How much would my insurance be?

I am a 17 year old male and I'm looking a getting a ford mustang. I am trying to get a 2008 v6 4.0 L convertible is my car insurance going to be rediculously high?

Is there a health insurance in PA that covers pre-existing conditions?

I just moved currently, from where my previous employer covered my insurance, now that I have moved, I need a insurance policy that covers immediately as I'm trying to figure out what is wrong. Please help.""

My younger borother owns a moped how much would it cost for me to be put on his insurance?

i have a full driving licence i only need to be put for for 2 month or so not even that

Insurance on a 2005 hyundai tiburon?

17 year old guy First car Blue exterior Automatic car 4-cylinder Allstate insurance

Why does car insurance quotes change every day?

Is a scraped car door handle worth the rise in insurance rates?

If someone scraped against your car door and the only thing damaged was the handle on the passenger side door, would you file an insurance claim and risk a rise in insurance? The scrape is only about 1-2 inches long.""

Health insurance?

affordable health insurance in Houston

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?

Is it true that you MUST purchase health insurance?

So, President Obama says you MUST purchase health insurance or face fines by federal government. How do you feel about that? (Also, wondering how many actually care about their rights being trampled on by Obamacare.)""

Paying my car insurance off early?

I have the cash to do so. And i only owe about 200 cause i already paid 2 months off early. But im jw when the next bill will be so i dont have to worry about. If it helps any i have the general car insurance they are local so idk if itll help lol

Cheapest way to insure 19 yr old boy with one year no claims bonus?

owns own car,has pass plus. been driving 1 yr on own insurance.wants me to put him on mine as he can't afford another yr on own. Can i do it? Is it legal? Is it cheaper?""

Where to go to get a quote?

How much does it cost annually to live in california?

Me and my two friends want to move to sacramento,california and i wanted to know how much it is annually I don't mean where we go out and party every night im talking food, rent, utilites, internet, gas, car insuranse and anything else you can think of that is a need(internet is for us gamers) any help would be great if you can't think with all of this cause the car insuranse depends on the car and that but what ever guess or average you would guess for there.""

Wanna get the cheapest auto insurance?

Where can i get cheap car insurance for a new driver?

Can I have two cars under two separate car insurance companies read my situation please!?

I have my own insurance on my own car with Farmers Insurance. However, my best friend just bought a new car and her insurance rate sucks. Can I insure my friends car under my name with Gieco and add my friend as a secondary driver and keep my Farmers insurance under my own car? Also, is there any way that Farmers would no if I did this? Do I have to tell anyone I have two insurance companies? Just put insurance, right? THANK YOU!!!!!!!!!!""

WOULD BEING A VEHICLE BODY REPAIRER AFFECT MY CAR INSURANCE IN ANY WAY?

I NEED TO KNOW IF IT WILL GO UP OR DOWN ON AVERAGE

Cheapest Car Insurance?

Whats the cheapest I can do for Auto Insurance? I lapsed a few times with my first Insurance, and had to switch cuz it was too much to renew. Then I qot a speedin ticket, 18 over limit (the speedin was unintintional), but its all paid for, and Im usinq Cuise Control reliqiously from now on. And I very cautious as far as wrecks qo.. Anyone have any suqqestions where my best bets would be? I need somewhere under or at $200 at most, per month. And yes Im aware of other details about the car itself is required, but as far as what I just presented, whats my best chances? (KY Farm Bureau, State Farm, qeico, and Allstate are out, Ive tried them)""

Can i get insurance with my learners permit?

Hi i finished my MSF course about two months ago and i want to get my own insurance, since my brother is leaving to collage. im 18 and have my leaners permit for about 2 months. I'll get my motorcycle license in 4 more months. i asked PROGRESSIVE and they said they won't be able to insure me till i have my license. BQ: what insurance do you have? any you recommend? I have a clean record.""

Can my grandmother add my car to her auto insurance policy?

I have a car that's in my name, with no insurance. I wanted to know if my grandmother could simply add my car to her policy. I'm a 19 year old male, if that makes any difference.""

Have a car but no insurance?

This is an answer I got about owning a car with no insurance and if my license would be suspended even if I turn in the tag and registration. It makes no sense as a lot of people have licenses for ID only and do not have a car (because they aren't allowed or can't drive): By law if you have a driver's license you are supposed to carry insurance whether you own a vehicle or not. It's usually called non-owner's liability coverage. Because of this law they would be able to suspend your license if your company cannot provide proof that you have coverage. This answer makes no sense. I won't say who provided it/they don't allow me to answer them though.

Car insurance question?

I got an insurance question. I let my fiance, who is not insured by my insurance company drive my car. I was in the car with him. He was intoxicated and hit 9 parked cars causing minor damage to all of them. Will my insurance company have to pay for the damage?""

What is the cheapest car insurance?

Can i get my MOT done without insurance?

My car needs an MOT and right now its on a SORN because im waiting for my paycheck so I can get insurance, my question is as follows: i know that you need an MOT before you can insure your car but to get my car to its MOT I would have to have it insured? How does this work? can i drive to the garage without insurance and get away with it or is there some special policy I need to take out? Please help.""

Cheapest car insurance????

looking for a cheap car insurance guys, plz help""

Car insurance and deductibles?

Last year I hit a car the damage was way less than the deductible. The person had on there car. The car insurance company wants me to pay for damage plus the deductible. Is that legal. I have know problem paying for damages, but the damages are only 1/3 of what they are demanding I pay.""

Average cost for motorcycle insurance for a 16 year old?

i know that the rates will be very expensive for a street bike for a 16 year old first rider, but i just want a round about. i have car insurance with state farm so thats who i would get the insurance through. from what i found it will probably be better to start on a dual sport bike rather than a sport bike due to the cost of insurance and the possibility of not being able to get insured due to my age. i want to get a street bike, but i know insurance would be nearly affordable.""

Will my Car Insurance rates go up for 1 speeding ticket?

I just got a speeding ticket this morning (66mph in a 50). I have a really good record. Will my insurance go up? I have State Farm in Ohio. Thanks!

What is the best and cheapest car insurance for me?

Okay so im 18 and im buying a brand new car all myself in about a month maybe less a kia sorte 2013 and of course i will need full coverage. I have good credit and i dont know anything about all this stuff i could use some help please...i just want to know what is the best choice for me i live in brownsville texas if that helps..

If you don't have car insurance.. is it okay if...?

I live in Oregon. I was wondering if you don't have car insurance does your license get suspended? someone said it did, someone else said it didnt.""

A question about car insurance?

We own three cars and have insurance on all three. If my daughter moves to another city and takes one of the cars, will the insurance still cover her? Typically the rates are based on where you live. Thanks for any advice!""

What does this dental insurance code mean?

The code is 42560 and it's by the insurance company equitable life insurance company of Canada . So what does this dental insurance code mean? How much will they cover for the gum graft? It's only one tooth that I need to have done for 600$. It's medical not cosmetic.

How do insurance companies make money?

i know not everyone is going to be sick at once, and that they assess risk, but what's their model for actually making money?""

""Whats the cost to own a brand new BMW 3 series in CA, US (with Tax, insurance etc.)?""

Whats the cost to own a brand new BMW 3 series in CA, USA (including, Taxes, Insurance, and other hidden costs if any)?""

I suffer chronic pain and have trouble working. I'm 37. I have no health insurance. I need advice please.?

I'm 37, and I have degenerative joint disease of both hips (related to a childhood hip disorder). My hips ache, but I also suffer chronic back pain/strain from the effects of a car accident in '04. I have no health insurance, and I don't earn much money. I am forced to live with parents. Needless to say, my life is not very bright. I also suffer severe depression brought upon by my life situation. I returned to college last year, and I am working towards finishing my degree (English/ethnic studies). I need help, both medical/financial help, but I'm not sure where to turn. The job I have is an independent contractor job (I'm not a salaried employee); therefore, I have no benefits. I just drive around to local police stations, pick-up arrest records, transcribe them, and send them in to company. Very basic! My life feels like a living hell; the only thing that makes me feel better is that I am an active student (CSULB) who is about one year away from my degree (better late than never). But I have extreme difficulty functioning day-to-day because of my chronic pain issues and depression. Living with my parents at my age makes my depression worse. I would appreciate any advice. The last full-time job I had was when I worked for the city of Los Angeles (up to 2007), but I had to give that up because of my hip/pain problems. It was a civil service job, so we didn't pay into social security. I'm not sure what I qualify for, and trying to search around on the internet is exhausting. I'm basically in this position: little money - chronic/daily pain - ho health insurance - difficulty working a regular job Thank you to anyone who might offer some guidance or recommendations. I live in Southern California.""

Where can i get the cheapest car insurance with a dui in northern michigan?

Buying new car; 1 day insurance?

I am going to look at a car soon, with intentions of making it into a winter project. It is drivable, but I do not plan on driving it until summer. I would rather not tow it home, but without insurance I dont want to drive it. Is such a thing as 1 day insurance an option, just to get it home? If so, how much does this usually cost? If not, are there any other possibilities besides a tow? State of Pennsylvania by the way.""

Where to go to get a quote?

https://www.linkedin.com/pulse/what-cheapest-car-insurance-place-beland-rajka"

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