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bigyack-com · 5 years

Text

Your Foam Coffee Cup Is Fighting for Its Life

MASON, Mich. — The Dart Container Corporation, by some measures, is an American success story. The family-owned business was co-founded in Michigan by a World War II veteran with a triple major in mathematics, engineering and metallurgy, and it developed products that, in no small way, helped fuel the modern economy. Dart makes, by the millions, white foam cups, clamshells, coffee cup lids, and disposable forks and knives — the single-use containers that enable Americans to eat and drink on the go. It employs about 15,000 people across 14 states. But now many of the products that this low-profile Midwestern company creates are being labeled by critics as environmental blights contributing to the world’s plastic pollution problem. Cities and states are increasingly banning one of Dart’s signature products, foam food and beverage containers, which can harm fish and other marine life. In December, Gov. Andrew M. Cuomo of New York proposed a statewide ban on single-use food containers made of “expanded polystyrene” foam, more commonly, but inaccurately, known as Styrofoam. (Styrofoam is a trademarked material typically used as insulation.) Maine and Maryland banned polystyrene foam containers last year, and nearly 60 nations have enacted or are in the process of passing similar prohibitions. Some elected officials and environmental groups say polystyrene containers are difficult to recycle in any meaningful way. “There is overwhelming evidence that this material is seriously damaging the earth,” said Brooke Lierman, a Maryland lawmaker who sponsored her state’s ban. But Dart Container, which has been owned by the Dart family since its founding in 1950s, is not backing down. While many plastics companies work to protect their product through trade groups and feel-good marketing campaigns, Dart is challenging regulation directly and aggressively. Shortly after Maryland voted to ban foam, Dart shut down its two warehouses in the state, displacing 90 workers and sending a signal to other locales considering similar laws. San Diego recently decided to suspend enforcement of its polystyrene ban in the face of a lawsuit by Dart and a restaurant trade group, which argued the city should have conducted a detailed environmental impact study before enacting the law. The city is now performing that analysis. “We don’t believe there are good, objective reasons to single out certain materials,” Dart’s chief executive officer, Jim Lammers, said in a recent interview at the company’s headquarters. The interview was one of the first times Dart had allowed a journalist broad access to its facilities on a leafy campus in Mason, where there are running trails, a garden honoring employees and boulders inscribed with words like “Meritocracy.” Dart is waging a broader campaign to argue that its products are being used as scapegoats for a society fueled by on-the-go consumerism. Dart says that critics of polystyrene are ignoring the negative environmental impacts of other products, like many paper cups, which are derived from trees and can emit greenhouse gases as they degrade in landfills. By Dart’s reasoning, most materials inflict some negative impact on the environment, so it doesn’t make sense to ban one and not another. “If you just give up on foam,” said Michael Westerfield, director of recycling at Dart, “what are they going to want to do next?” The backlash against foam is taking its toll. Polystyrene foam sales have been declining, and the company has been broadening its offerings to include more paper products, including coffee cups sold at Starbucks and Dunkin’. It is also experimenting with containers that can be composted or fashioned from recycled content. Today, foam makes up only a fifth of all the products that Dart sells. The company says overall sales of food and beverage containers, which generate $3 billion in annual revenue, are essentially flat. Even as the market for polystyrene shrinks, many environmental groups want to abolish foam entirely because if it ends up as litter, it can break down easily into small pieces, harming fish and animals that ingest it. For humans, plastic fibers have been found in everything from drinking water to table salt, though the long-term health consequences are still being studied. Industry and academic experts are still debating how best to quantify the long-term impact that single-use containers made from varying materials — plastics, paper, glass — can have on climate change. But the harm that plastic pollution can inflict on marine life is immediate, environmentalists say. “A paper cup, as far as I know, has never killed any sea creatures,” said Jan Dell, an engineer who used to work in the plastics industry and now runs the Last Beach Cleanup, an advocacy group focused on plastic pollution. The same properties that can make foam an environmental problem also make it profitable to manufacture. The costs are low because foam is 95 percent air and can be made using relatively little raw plastic. William A. Dart did not invent foam cups, but he did master their mass production. After returning from World War II and graduating from the University of Michigan, Mr. Dart spent a year working for the DuPont chemical company. In the late 1950s, brimming with ideas about plastic, he returned to his father’s welding factory in Mason, a small city next to Lansing. Mr. Dart began experimenting with creating cups from polystyrene, a material with seemingly magical insulating properties that would serve the growing fast-food industry. Chick-fil-A was one of Dart’s first major accounts. The company also sold its plastic to hospitals and schools, sports stadiums and the food service giants Sysco and US Foods. The company celebrates its long history of manufacturing in the United States. While many American factories moved to Asia in search of cheaper workers, foam cannot be imported profitably from overseas; the cost of importing the lightweight containers would offset any savings in labor, Dart says. Mr. Lammers said the company was growing frustrated with the intensifying blowback against foam. “Food and beverage packaging, like a lot of things in life, is not a sound-bite discussion,” said Mr. Lammers, who joined the company in 1986. A lawyer by training, Mr. Lammers shuttles around Dart’s sprawling corporate campus in Mason in a blue Honda Accord. He proudly walked a reporter through a small museum in the lobby where single-use plastic products are arrayed like fine art. One display charts the history of the clam shell container. Another shows coffee lids through the years. It is a shrine to the throwaway items of everyday life: blue coffee cups with the Greek-style design and tiny clear plastic cups found in dentists’ offices. Dart makes them all. The one area that was off limits was Building No. 1, where the white foam cups are made. The company says the foam machinery, designed by Mr. Dart in the 1950s and refined over decades, is such a closely guarded secret that only select employees and customers are allowed on the factory floor. Mr. Dart’s heirs are also intensely private. His sons Robert and Kenneth Dart have been involved in running the company, to varying degrees, since the 1980s. Kenneth, who renounced his American citizenship, decamped to the Cayman Islands and now develops real estate there. He’s worth an estimated $5.8 billion, according to Bloomberg. Robert also renounced his citizenship and relocated to London, where he still lives. The Dart brothers’ moves partially spurred the Senate to propose a law in the 1990s closing a tax loophole for expatriates. Although the two brothers are no longer involved in the container company’s daily operations, they serve on the board and provide advice on “major capital expenditures and strategic decisions,” a Dart spokeswoman said in a statement. A third brother, Thomas, ended his involvement with the company in the 1980s, Dart said. In 2012, Dart acquired another Midwestern container company, Solo, for $1 billion. The deal greatly expanded Dart’s product line into more paper and rigid plastic containers like the Solo cups that are ubiquitous at college keg parties and football tailgates. Yet even as it diversified, Dart never gave up on polystyrene foam. For years, the company has emphasized how polystyrene foam can be recycled, just like some other forms of plastic containers. The problem is that most communities do not accept foam in municipal recycling systems because it can be difficult to find buyers willing to pay enough money for the used material. So Dart offers to collect and transport the used foam containers for cities at no cost. But it takes considerable energy to transport and recycle foam, as shown by a visit to a new recycling facility that Robert Dart has helped develop in Indianpolis. The warehouse is filled with large bricks of crushed foam cups and egg cartons that have been transported there by truck or train from as far away as Canada and California. The foam is sorted and shredded into small pieces and then resold. Foam food containers cannot be turned into new containers because health regulators have not approved them for such use, Dart says. Currently, the most common uses for the recycled polystyrene include picture frames and plastic rolls that spool out cash register receipts. Dart says it’s possible that used polystyrene could eventually be made into new drinking cups en masse, but right now there is limited collection and processing capacity. “We’d love to get there,” said Mr. Westerfield, the recycling director. And some communities doubt they ever will. Growing up in Baltimore, Claire Wayner and her family used to haul their egg cartons and foam packaging to a drop-off site that Dart supported in the city. Volunteers in the local schools used to wipe down macaroni and cheese remnants and cheeseburger juices from hundreds of foam lunch trays and drive them to the recycling site. Despite all of these good intentions, Ms. Wayner wondered how much of the city’s polystyrene was actually being recycled and questioned how large the market was for used foam beyond niche products like picture frames. “It seems so random and ridiculous,” said Ms. Wayner, who is now a sophomore at Princeton University. In high school, Ms. Wayner and other students started Baltimore Beyond Plastic, a group that convinced school officials to remove the foam lunch trays from the city’s public schools. The student group, working with other environmental activists, then pushed successfully for a citywide ban on foam food containers. After the vote, Dart closed the recycling drop-off location it supported in Baltimore. Asked about the closing, the Dart spokeswoman Becky Warren said in a statement, “We invest our recycling resources in communities that support our customers and our company.” To Ms. Wayner and others, the move showed that Dart did not truly consider polystyrene recycling a viable enterprise, but rather a bargaining chip to ward off regulation. “As soon as they lost, it was like they took their marbles and went home,” said Martha Ainsworth, a volunteer leader with the Sierra Club in Maryland. Even with the foam ban, Baltimore still faces challenges in achieving its sustainability goals. The Baltimore schools now serve lunch on compostable trays. But there are no facilities in the city that can compost material commercially so the trays are sent to landfills or an incinerator, according to a spokeswoman for the city school system. Dart executives say many of their customers also want more sustainable containers, but are facing the financial realities. Some food and beverage companies, they said, want containers made from more recycled and compostable material, but not everyone is willing to accept the additional costs. Last year, the company opened a laboratory in Mason, where chemists wearing white lab coats and blue rubber gloves hover over beakers and reactors. In one room, technicians tested new coatings for paper coffee cups that are not made of plastic. In another, they analyzed soil samples to test how quickly a compostable cup breaks down. It’s not clear how long it will take before some of these experiments result in marketable products, but Mr. Lammers said “it is close.” “I guarantee you we are going to be different 10 years from now,’’ he said. Read the full article

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mastcomm · 5 years

Text

Your Foam Coffee Cup Is Fighting for Its Life

MASON, Mich. — The Dart Container Corporation, by some measures, is an American success story.

The family-owned business was co-founded in Michigan by a World War II veteran with a triple major in mathematics, engineering and metallurgy, and it developed products that, in no small way, helped fuel the modern economy. Dart makes, by the millions, white foam cups, clamshells, coffee cup lids, and disposable forks and knives — the single-use containers that enable Americans to eat and drink on the go. It employs about 15,000 people across 14 states.

But now many of the products that this low-profile Midwestern company creates are being labeled by critics as environmental blights contributing to the world’s plastic pollution problem.

Cities and states are increasingly banning one of Dart’s signature products, foam food and beverage containers, which can harm fish and other marine life. In December, Gov. Andrew M. Cuomo of New York proposed a statewide ban on single-use food containers made of “expanded polystyrene” foam, more commonly, but inaccurately, known as Styrofoam. (Styrofoam is a trademarked material typically used as insulation.) Maine and Maryland banned polystyrene foam containers last year, and nearly 60 nations have enacted or are in the process of passing similar prohibitions. Some elected officials and environmental groups say polystyrene containers are difficult to recycle in any meaningful way.

“There is overwhelming evidence that this material is seriously damaging the earth,” said Brooke Lierman, a Maryland lawmaker who sponsored her state’s ban.

But Dart Container, which has been owned by the Dart family since its founding in 1950s, is not backing down. While many plastics companies work to protect their product through trade groups and feel-good marketing campaigns, Dart is challenging regulation directly and aggressively.

Shortly after Maryland voted to ban foam, Dart shut down its two warehouses in the state, displacing 90 workers and sending a signal to other locales considering similar laws. San Diego recently decided to suspend enforcement of its polystyrene ban in the face of a lawsuit by Dart and a restaurant trade group, which argued the city should have conducted a detailed environmental impact study before enacting the law. The city is now performing that analysis.

“We don’t believe there are good, objective reasons to single out certain materials,” Dart’s chief executive officer, Jim Lammers, said in a recent interview at the company’s headquarters.

The interview was one of the first times Dart had allowed a journalist broad access to its facilities on a leafy campus in Mason, where there are running trails, a garden honoring employees and boulders inscribed with words like “Meritocracy.”

Dart is waging a broader campaign to argue that its products are being used as scapegoats for a society fueled by on-the-go consumerism. Dart says that critics of polystyrene are ignoring the negative environmental impacts of other products, like many paper cups, which are derived from trees and can emit greenhouse gases as they degrade in landfills. By Dart’s reasoning, most materials inflict some negative impact on the environment, so it doesn’t make sense to ban one and not another.

“If you just give up on foam,” said Michael Westerfield, director of recycling at Dart, “what are they going to want to do next?”

The backlash against foam is taking its toll. Polystyrene foam sales have been declining, and the company has been broadening its offerings to include more paper products, including coffee cups sold at Starbucks and Dunkin’. It is also experimenting with containers that can be composted or fashioned from recycled content.

Today, foam makes up only a fifth of all the products that Dart sells. The company says overall sales of food and beverage containers, which generate $3 billion in annual revenue, are essentially flat.

Even as the market for polystyrene shrinks, many environmental groups want to abolish foam entirely because if it ends up as litter, it can break down easily into small pieces, harming fish and animals that ingest it. For humans, plastic fibers have been found in everything from drinking water to table salt, though the long-term health consequences are still being studied.

Industry and academic experts are still debating how best to quantify the long-term impact that single-use containers made from varying materials — plastics, paper, glass — can have on climate change. But the harm that plastic pollution can inflict on marine life is immediate, environmentalists say.

“A paper cup, as far as I know, has never killed any sea creatures,” said Jan Dell, an engineer who used to work in the plastics industry and now runs the Last Beach Cleanup, an advocacy group focused on plastic pollution.

The same properties that can make foam an environmental problem also make it profitable to manufacture. The costs are low because foam is 95 percent air and can be made using relatively little raw plastic.

William A. Dart did not invent foam cups, but he did master their mass production.

After returning from World War II and graduating from the University of Michigan, Mr. Dart spent a year working for the DuPont chemical company. In the late 1950s, brimming with ideas about plastic, he returned to his father’s welding factory in Mason, a small city next to Lansing. Mr. Dart began experimenting with creating cups from polystyrene, a material with seemingly magical insulating properties that would serve the growing fast-food industry.

Chick-fil-A was one of Dart’s first major accounts. The company also sold its plastic to hospitals and schools, sports stadiums and the food service giants Sysco and US Foods.

The company celebrates its long history of manufacturing in the United States. While many American factories moved to Asia in search of cheaper workers, foam cannot be imported profitably from overseas; the cost of importing the lightweight containers would offset any savings in labor, Dart says.

Mr. Lammers said the company was growing frustrated with the intensifying blowback against foam.

“Food and beverage packaging, like a lot of things in life, is not a sound-bite discussion,” said Mr. Lammers, who joined the company in 1986.

A lawyer by training, Mr. Lammers shuttles around Dart’s sprawling corporate campus in Mason in a blue Honda Accord. He proudly walked a reporter through a small museum in the lobby where single-use plastic products are arrayed like fine art. One display charts the history of the clam shell container. Another shows coffee lids through the years. It is a shrine to the throwaway items of everyday life: blue coffee cups with the Greek-style design and tiny clear plastic cups found in dentists’ offices. Dart makes them all.

The one area that was off limits was Building No. 1, where the white foam cups are made. The company says the foam machinery, designed by Mr. Dart in the 1950s and refined over decades, is such a closely guarded secret that only select employees and customers are allowed on the factory floor.

Mr. Dart’s heirs are also intensely private.

His sons Robert and Kenneth Dart have been involved in running the company, to varying degrees, since the 1980s. Kenneth, who renounced his American citizenship, decamped to the Cayman Islands and now develops real estate there. He’s worth an estimated $5.8 billion, according to Bloomberg. Robert also renounced his citizenship and relocated to London, where he still lives. The Dart brothers’ moves partially spurred the Senate to propose a law in the 1990s closing a tax loophole for expatriates.

Although the two brothers are no longer involved in the container company’s daily operations, they serve on the board and provide advice on “major capital expenditures and strategic decisions,” a Dart spokeswoman said in a statement. A third brother, Thomas, ended his involvement with the company in the 1980s, Dart said.

In 2012, Dart acquired another Midwestern container company, Solo, for $1 billion. The deal greatly expanded Dart’s product line into more paper and rigid plastic containers like the Solo cups that are ubiquitous at college keg parties and football tailgates.

Yet even as it diversified, Dart never gave up on polystyrene foam.

For years, the company has emphasized how polystyrene foam can be recycled, just like some other forms of plastic containers. The problem is that most communities do not accept foam in municipal recycling systems because it can be difficult to find buyers willing to pay enough money for the used material. So Dart offers to collect and transport the used foam containers for cities at no cost.

But it takes considerable energy to transport and recycle foam, as shown by a visit to a new recycling facility that Robert Dart has helped develop in Indianpolis.

The warehouse is filled with large bricks of crushed foam cups and egg cartons that have been transported there by truck or train from as far away as Canada and California. The foam is sorted and shredded into small pieces and then resold.

Foam food containers cannot be turned into new containers because health regulators have not approved them for such use, Dart says. Currently, the most common uses for the recycled polystyrene include picture frames and plastic rolls that spool out cash register receipts.

Dart says it’s possible that used polystyrene could eventually be made into new drinking cups en masse, but right now there is limited collection and processing capacity.

“We’d love to get there,” said Mr. Westerfield, the recycling director.

And some communities doubt they ever will. Growing up in Baltimore, Claire Wayner and her family used to haul their egg cartons and foam packaging to a drop-off site that Dart supported in the city. Volunteers in the local schools used to wipe down macaroni and cheese remnants and cheeseburger juices from hundreds of foam lunch trays and drive them to the recycling site.

Despite all of these good intentions, Ms. Wayner wondered how much of the city’s polystyrene was actually being recycled and questioned how large the market was for used foam beyond niche products like picture frames.

“It seems so random and ridiculous,” said Ms. Wayner, who is now a sophomore at Princeton University.

In high school, Ms. Wayner and other students started Baltimore Beyond Plastic, a group that convinced school officials to remove the foam lunch trays from the city’s public schools.

The student group, working with other environmental activists, then pushed successfully for a citywide ban on foam food containers. After the vote, Dart closed the recycling drop-off location it supported in Baltimore.

Asked about the closing, the Dart spokeswoman Becky Warren said in a statement, “We invest our recycling resources in communities that support our customers and our company.”

To Ms. Wayner and others, the move showed that Dart did not truly consider polystyrene recycling a viable enterprise, but rather a bargaining chip to ward off regulation.

“As soon as they lost, it was like they took their marbles and went home,” said Martha Ainsworth, a volunteer leader with the Sierra Club in Maryland.

Even with the foam ban, Baltimore still faces challenges in achieving its sustainability goals. The Baltimore schools now serve lunch on compostable trays. But there are no facilities in the city that can compost material commercially so the trays are sent to landfills or an incinerator, according to a spokeswoman for the city school system.

Dart executives say many of their customers also want more sustainable containers, but are facing the financial realities. Some food and beverage companies, they said, want containers made from more recycled and compostable material, but not everyone is willing to accept the additional costs.

Last year, the company opened a laboratory in Mason, where chemists wearing white lab coats and blue rubber gloves hover over beakers and reactors. In one room, technicians tested new coatings for paper coffee cups that are not made of plastic. In another, they analyzed soil samples to test how quickly a compostable cup breaks down.

It’s not clear how long it will take before some of these experiments result in marketable products, but Mr. Lammers said “it is close.”

“I guarantee you we are going to be different 10 years from now,’’ he said.

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chestnutpost · 5 years

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U.S. Home Flipping Rate Reaches A Nine-Year High In Q1 2019

IRVINE, Calif., June 6, 2019 /PRNewswire/ — ATTOM Data Solutions, curator of the nation’s premier property database and first property data provider of Data-as-a-Service (DaaS), today released its Q1 2019 U.S. Home Flipping Report, which shows that 49,059 U.S. single family homes and condos were flipped in the first quarter of 2019, down 2 percent from the previous quarter and down 8 percent from a year ago to a three-year low.

The 49,059 homes flipped in the first quarter represented 7.2 percent of all home sales during the quarter, up from 5.9 percent in the previous quarter and up from 6.7 percent a year ago — the highest home flipping rate since Q1 2010.

Homes flipped in Q1 2019 sold at an average gross profit of $60,000, down from an average gross flipping profit of $62,000 in the previous quarter and down from $68,000 in Q1 2018 to the lowest average gross flipping profit since Q1 2016.

The average gross flipping profit of $60,000 in Q1 2019 translated into an average 38.7 percent return on investment compared to the original acquisition price, down from a 42.5 percent average gross flipping ROI in Q4 2018 and down from an average gross flipping ROI of 48.6 percent in Q1 2018 to the lowest level since Q3 2011 — a nearly eight-year low.

“With interest rates dropping and home price increases starting to ease, investors may be getting out while the getting is good, before the market softens further,” said Todd Teta, chief product officer at ATTOM Data Solutions. “While the home flipping rate is increasing, gross profits and ROI are starting to weaken and the number of investors that are flipping is down 11 percent from last year. Therefore, if investors are seeing profit margins drop, they may be acting now and selling before price increases drop even more.”

Home flipping rate up from year ago in 62 percent of local marketsEighty-five of 138 metropolitan statistical analyzed in the report (62 percent) posted a year-over-year increase in their home flipping rate in Q1 2019, including Columbus, Georgia (up 83 percent); Raleigh, North Carolina (up 73 percent); Charlotte, North Carolina (up 65 percent); McAllen–Edinburg, Texas (up 55 percent); and Milwaukee, Wisconsin (up 49 percent).

Along with Raleigh, Charlotte, and Milwaukee, other metro areas with a population of at least 1 million and a home flipping rate increasing in the double digits were San Antonio, Texas (up 47 percent); Houston, Texas (up 41 percent); Atlanta, Georgia (up 38 percent); Pittsburgh, Pennsylvania (up 36 percent); and Minneapolis, Minnesota (up 33 percent).

The number of homes flipped reached new peaks in Q1 2019 for Raleigh, North Carolina and San Antonio, Texas in the first quarter of 2019.

Home flip lending volume up 35 percent to 12-year highThe total dollar volume of financed home flip purchases was $6.4 billion for homes flipped in the first quarter of 2019, up 35 percent from $4.7 billion in Q1 2018 to the highest level since Q2 2007 — over a 12-year high.

Flipped homes originally purchased by the investor with financing represented 37.5 percent of homes flipped in Q1 2019, down from 39.5 percent in the previous quarter and down from 41.2 percent a year ago.

Among 53 metropolitan statistical areas analyzed in the report with at least 1 million people, those with the highest percentage of Q1 2019 completed flips purchased with financing were San Diego, California (56.0 percent); Seattle, Washington (52.5 percent); San Francisco, California (51.7 percent); Denver, Colorado (51.6 percent); and Boston, Massachusetts (51.3 percent).

11 Markets where investors are doubling their ROIAmong the 138 metropolitan statistical areas analyzed in the report with at least 50 home flips completed in Q1 2019, those with the highest average gross flipping ROI were Pittsburgh, Pennsylvania (131.2 percent); Flint, Michigan (127.6 percent); Shreveport, Louisiana (112.5 percent); Scranton, Pennsylvania (112.0 percent); and Knoxville, Tennessee (105.0 percent).

Along with Pittsburgh, Pennsylvania metro areas with a population of at least 1 million and an average gross flipping ROI of at least 79 percent were Cleveland, Ohio (100.0 percent); Philadelphia, Pennsylvania (100.0 percent); Buffalo, New York (89.7 percent); and Memphis, Tennessee (79.2 percent).

Average home flipping returns continue to slipHomes flipped in the first quarter of 2019 were sold for a median price of $215,000, a gross flipping profit of $60,000 above the median purchase price of $155,000, down from a gross flipping profit of $62,000 in the previous quarter and a gross flipping profit of $68,000 in Q1 2018 — to the lowest levels since Q1 2016.

Of those 138 markets with at least 50 or more flips and a population greater than 200,000 in the first quarter of 2019, those that saw the lowest gross flipping profit were McAllen–Edinburg, Texas (profit of $8,752); Daphne, Alabama (profit of $15,761); Boise City, Idaho (profit of $18,332); Lexington, Kentucky (profit of $20,000); and San Antonio, Texas (profit of $23,596).

Average time to flip nationwide at 180 daysHomes flipped in Q1 2019 took an average of 180 days to complete the flip, up from an average 175 days for homes flipped in Q4 2018 but down from 182 days a year ago.

Among the 138 metro areas analyzed in the report, those with the shortest average days to flip were McAllen–Edinburg, Texas (127 days); Memphis, Tennessee (136 days); Raleigh, North Carolina (142 days); Mobile, Alabama (144 days); and Phoenix, Arizona (151 days).

Metro areas with the longest average days to flip were Naples, Florida (235 days); Bridgeport, Connecticut (230 days); New Haven, Connecticut (225 days); Provo, Utah (219 days); and Hartford, Connecticut (219 days).

Flipped homes sold to FHA buyers increases from previous quarterOf the 49,059 U.S. homes flipped in Q1 2019, 14.2 percent were sold by the flipper to a buyer using a loan backed by the Federal Housing Administration (FHA), up from 13.2 percent in the previous quarter but down from 15.2 percent a year ago.

Among the 138 metro areas analyzed in the report, those with the highest percentage of Q1 2019 home flips sold to FHA buyers — typically first-time homebuyers — were Worcester, Massachusetts (30.0 percent); Shreveport, Louisiana (29.0 percent); Modesto, California (27.3 percent); Hartford, Connecticut (27.2 percent); and Springfield, Massachusetts (27.0 percent).

Eight zip codes with a home flipping rate of more than 30 percentAmong 1,433 U.S. zip codes with at least 10 home flips in Q1 2019, there were eight zip codes where home flips accounted for more than 30 percent of all home sales, here are the top five: 93212 in Kings county, California (48.0 percent); 11433 in Queens county, New York (35.7 percent); 33147 Miami-Dade county, Florida (32.7 percent); 38115 in Shelby county, Tennessee (32.4 percent); and 92802 in Orange county, California (32.1 percent).

Report methodologyATTOM Data Solutions analyzed sales deed data for this report. A single-family home or condo flip was any arms-length transaction that occurred in the quarter where a previous arms-length transaction on the same property had occurred within the last 12 months. The average gross flipping profit is the difference between the purchase price and the flipped price (not including rehab costs and other expenses incurred, which flipping veterans estimate typically run between 20 percent and 33 percent of the property’s after repair value). Gross flipping return on investment was calculated by dividing the gross flipping profit by the first sale (purchase) price.

About ATTOM Data SolutionsATTOM Data Solutions provides premium property data to power products that improve transparency, innovation, efficiency and disruption in a data-driven economy. ATTOM multi-sources property tax, deed, mortgage, foreclosure, environmental risk, natural hazard, and neighborhood data for more than 155 million U.S. residential and commercial properties covering 99 percent of the nation’s population. A rigorous data management process involving more than 20 steps validates, standardizes and enhances the data collected by ATTOM, assigning each property record with a persistent, unique ID — the ATTOM ID. The 9TB ATTOM Data Warehouse fuels innovation in many industries including mortgage, real estate, insurance, marketing, government and more through flexible data delivery solutions that include bulk file licenses, APIs, market trends, marketing lists, match & append and introducing the first property data deliver solution, a cloud-based data platform that streamlines data management – Data-as-a-Service (DaaS).

Media Contact:Jennifer von Pohlmann [email protected]

Data and Report Licensing:[email protected]

SOURCE ATTOM Data Solutions

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hi, ive brought a small 20p sweet vending machine, which i would like to place in the local kids 'wacky warehouse' type place, i wanted to get public liability insurance to cover me, say for example, if the machine falls and hurts someone or something? i have had publlic liability before for trading on a market stall and im sure it only cost 35-45, does anyone know of any good providers around a similar price? Thanks :)""

Pre-Existing Conditions health insurance...?

I've had epilepsy since I was 5 years old, I'm now 24. I came across a comment on a website a few minutes ago about there being some kind of federal law where it's ILLEGAL to deny someone coverage because they may be in poor health, overweight, etc... aka having a pre-existing condition . If this is true about there being a law AGAINST it, why are SO MANY health insurance companies allowed to deny people w/ pre-existing conditions right off the bat? There are THOUSAND upon thousands, if not MILLIONS, of people in the U.S that have some kind of pre-existing condition, whether minor or major. So wouldn't that mean that there are THOUSANDS of insurance companies that are running their business illegally & breaking the law? I mean, breaking a state law is one thing, but a FEDERAL law is a pretty big deal!! Washington makes such a big deal about how so many people in our country don't have health insurance & they say it's because people can't afford it . But I think the REAL reason is that because MOST of those people have a pre-existing condition & they're getting thrown to the curb because of it... Comments on this???""

Can my uncle insure my car? 10 points?

I'm 17 and have my provisional license. I don't live with my uncle but we live in the same town (in NJ). I can't get put into my parent's insurance since they don't have their licenses. If i get my own car, can my uncle add me onto his policy even though we don't live under the same address? 10 Points""

How do you find out if someone that hit you has insurance?

the insurance information i was given after someone hit my car turned out to be fake. my insurance company called his company but was told that the policy # does not exist. so is there a way i can find out through DMV or somewhere his true insurance information? if i can't find it, would this qualify as uninsured since i have uninsured drivers coverage? it would waive my deductible and it would pay for the injuries i suffered in the accident but only if he really is uninsured.""

Insurance grace period/need insurance to title and register?

In IL, is there any grace period between buying a car and having insurance? Or put another way, will I need to show proof of insurance when I go to DMV to register and get title? My plan was to pickup the car and immediately go to the DMV, but my insurance card probably won't be hear for a few days... will they not let me register it w/o insurance? Also, god forbid I'm pulled over on my way to the DMV (without insurance OR registration) or on my way home from DMV (still no insurance) will there be a problem if I can show (with bill of sale or something) that I just bought the vehicle and am on the way to register it and/or insurance is in the works?""

Home insurance Vs Common insurance in Condo's?

One of the listed property I am interested in has an assessment fee of 280 which includes common insurance,exterior mant,snow removal. What is this common insurance ? and do I need to still take home insurance personally ?""

""Will the USA one day have affordable, comprehensive health insurance for all its citizens?""

Will this be a reality one day soon? Other countries have it, and they have maintained their systems for generations now. Why not the USA?""

How cheap would my insurance rates be?

A friend on mine had recent gotten a 99 Civic 2 dr and his insurance is 80$ a month. If i get a 94 Civic with 4drs, how much cheaper would it be going to the same insurance company, having a older year, and it not being a sports car? We are both 17. Also, How much do you think my rates would be for a 21 year old owning both a 95 Civic and a 2001 Corvette? Its kind of late to call the insurance company now so i want an opinion. =D Thanks""

How do I find out how much car rental insurance rates will be if I rent a car ?

How do I get insurance for my baby?

I'm 19 years old and pregnant and I've come across the problem of finding insurance for my baby. I am currently covered under my mom's health plan and can stay covered through college. Unfortunately, my baby won't be able to be covered under her plan seeing as how she will not be the legal guardian. Furthermore, I won't be able to get my own plan because I will not be working and will stay a dependent of my parents. Any suggestions as to the best route I can take to insure my kid? Thanks! Oh, and I also live in California if that makes a difference.""

I got a citation for no proof of insurance and have a couple questions..?

so my first citation, annnd i was wondering if i take traffic school do i still have to pay the $1,000 fine for not having insurance at the time? also if i sell me car before the court date does that help ? if not what can i do to not pay because im broke no job and no money , willing to do community service.. can i do that for this kinda thing?""

Where can I go for the best and cheapest classic car insurance?

We have a 1965 classic mustang and want to insure it for it's restored value.

What is the cheapest car insurance for a teenager?

How much is it?

Is there a way to borrow someone else's address for car insurance?

My friend lives in Los Angeles county and she is being charged $500 for a piece of paper that will be sent to her house address in Los Angeles. Can she use another address to receive that paper? Or does it have to be the house she lives at?

""Question about vsp eye insurance? around how much would glasses, contacts, exam cost?""

hey im new to the job world and i got guardian dental insurance and i think its comes with free vsp too. and the guardian insurance worker told me i'd tell them my social security number and tell them i have vsp to qualify or something. im going to go to a private office that accepts vsp. i want to get an eye exam, get 1 pair of prescription glasses and contact lens fitting and contacts. i dont have a credit card yet so i plan to pay with cash but i dont know how much to withdraw out of the bank to bring with me. i live in georgia, near atlanta by the way. or should i just go to lenscrafters or visonworks or something like that? could you give me an estimate of how much each would be when using vsp, if you have it? and if i used the insurance would i have to pay all the amount there and the insurance company would evaluate my claim and send me money back..? i dont know so how would that work too. thanks for your time in advance.""

Is there cheap car insurance in tucson az?

my car insurance ends tommarrow and i really need new car insurance that is cheaper then what i am paying now. i have a 2007 prius that i am financing on so i need full coverage and i ...show more

How will a speeding ticket going 9 over affect me personally and insurance wise?

Hi, i just got my first speeding ticket going 9 over 40, the cop said usually it would not effect my insurance but if not how will it affect me? If i pay the ticket and not call my insurance will that be that and it will be over? Please help""

What kind of health insurance do I need?

Are there any car insurance companies that only look back 2 years instead of 3?

How much will motorycycle insurance be for a 17 year old?

im getting a 487cc Suzuki gs500f, how much do you think insurance is going to be? also how can i lower the cost of insurance, will it lower when i turn 18? im taking the msf course and getting it under my family plan if possible thx""

How to calculate the insurance expense?

a company had an opening balance in its prepaid insurance expense account of $57 and a closing balance in the same account of $876. During the year it paid $4086 for insurance excluding GST. What is its insurance expense for the year? Thanks

What insurance do i need?

What type of insurance is required by the California DMV for a drivers test?

Trying to be a first time homeowner - any advice before I sign?

I'm not there yet, but I plan to be ready in March of 08 to buy my first house. I've taken 15 hours of credit classes, I have $5k saved up, and I'm trying to get down payment assistance. Does anyone have any additional advice like unexpected costs (besides closing costs) and surprises that maybe happened to you when you bought your first house? I know to stay in my budget and not buy something I really can't afford. But for instance, do I find a lender first and then a house, or is it vice versa? And after I find a house and a lender, how long does it take to close? Is it stressful getting all your paperwork together?""

How can i get cheap insurance?

I'am going to be 17 soon and i going to buy a car so i was wondering what car should i buy or what shoul i do to get cheap insurance, because at the moment it's cost about 3.500 and that just too expensive... help please""

How can I take my ohio's driver test without car insurance?

I have my permit, learned how to drive and found a friend who is willing to let me use their car. But Im not covered under anyones insurance. I dont have any family to help. I cant get a car without a license and I cant get that without insurance but I cant get insurance without a car so it doesnt make sense.""

""For Home Owner Insurance purposes, is an unfinised basement included in total square footage of the house?

Are Insurance company underwriters not supposed to include unfinished living areas of the house when determing my total square footage of house for replace cost purposes? My premium went up even though the home inspector from Allstate did not know I had part of my house that is unfinished. I was not home at the time when he did this home based underwriting square footage procedure.

How much will my car insurance go up after my first ticket?

I'm 19 and live in VA and got my first speeding ticket tonight (77 in a 60). I've never been in an accident or anything before, but I was just wondering if anyone had any idea about how much my insurance rate will go up? and will going to court/driving school affect what happens with the insurance rate, because otherwise i was just going to pay it online.. thaaaanks!""

Is AETNA a good health insurance to get?

my benefits package came from work, it offers medical from Aetna is that a good health insurance provider? What about Guardian Plan ppo for Dental??""

Car insurance and license suspended?

i got car insurance on my car i have always had it but my parents say that if i got my license suspended in one state, i dont got car insurance in that very state but i do in any other state, i am totally confused someone please clarify this??""

Can a named driver get covered for business insurance on the policy insurance company sayin no is this correct?

How much wil Car Insurance be when i get my temps in Columbus Ohio?

How much wil Car Insurance be when i get my temps in Columbus Ohio. im going to be under my moms insurance. how much will i have to pay. or will i have to pay. my mom dosent kno, neither do i. can she put me on her car insurance for free or do i have to pay or what. whats the rules so to say""

""If you have car insurance, is it still valid during the period of a license suspension?""

I'm soon going to have my license suspended for 30 days. My car insurance is paid through next year. Will it still be valid during my suspension period? (i.e. liability if my girlfriend drives it even though she's licensed / insured as well or for comprehensive damage, etc.). No, I will not be driving my car or any other during my suspension period. I just wanted to know if there are generally any 'clauses' in policies that eliminate the ins. co. liability if the insured has a suspended license and something happens to the vehicle. Separate question: Does adding a car to your policy trigger a license check by the insurance company? Thanks for your help!""

Will my parents car insurance premiums go up?

So to make this easy, I'll give a basic idea of what happened. I was driving a friends car that I got into an accident with. My friend has liability insurance and everything to cover the damage of the other vehicle. Now, the thing is I personally do not buy car insurance. The car that I drive is insured by my parents, but I am not named in their insurance policy. So my first question is, when filling out a motorist report, what do I fill in for the section under MY insurance, since I don't buy nor am I under anyones insurance policy. Second is there any way my parents premiums will go up?""

Affordable health insurance in NC?

I am moving to North Carolina after living abroad to start my own business & I need health insurance. Any recommendations?

Best Life Insurance?

I need life insurance................ which company do you think has the better life insurance policies?

Is group insurance cheaper than individual policies dollar for dollar?

I know they give discounts when husband and wife enroll but if you have the same insurance carrier,united of omaha, is the group going to be cheaper necessarily?""

""Where can l find low cost Dental care in Orange County,CA?""

I would like to find low cost dental care in O.C,but the one l find on the net is called Medical Discounts International,Inc, l don't believe it's a government program and l have my reservations. Is government programs better than private ones? Any agencies that are reliable and good? Thanks.""

Why do we have to have car insurance in the UK?

Why cant you chose whether you have insurance or not?

How much would insurance group 7 be?

would just like an estimate how much insurance group 7 is

Temporary car insurance??

so I just bought a car that I'll get from the dealership tommorow night and I need it right away. the problem is that it is my first car and my insurance needs to take 15 days to ...show more

Can my daughter be on my mom's car insurance even if they don't live together?

Hi, my name is Kathy, I'm 19 year old female and want to buy a car but car insurance is just expensive. I want to be put on my grandmothers car insurance but we don't live in the same city. Do you think it would be possible for me to get on there! Thanks for your answers...""

What is the difference between insurance and banassurance?

Ex. Insurance deals by LIC, GIC Banassurance deals by banks""

Car insurance and driver's license in Belgium?

I would appreciate some information on how to get a driver's license in Belgium. 1) Will I be able to use a US license to drive around and if yes then for how long? 2) Will I have to pass any tests, written or driving, in order to get a Belgium license or will I be able to simply show a US one? 3) How much would I pay for an insurance (basic: damage + liabilities)?""

What kind of health insurance do I need?

Which is the best Life Insurance for a 33 year old?

I have family of 1 child

Anyone claimed their Car a Wreak through their insurance before? what happens exactly?

Ok, so my car has Hail damage ALL over it from a recent storm. I am covered for insurance but i wanna know what to do?! i can't call them at this stage cos they call centre is down :( SO, if my car is worth $30,000 & the damage is worth about $5,000 - $7,000 how do they work out if it's considered a wreak or not? My premium is about $1000 (cos i'm under the age of 25) so what happens if they declare it a wreak? Do i just get a cheque and then they take the car? or what? If anyone has had their car considered a wreak through insurance before, please enlighten me :) Thanks x""

Can I go to a doctor and claim no insurance even though I have health insurance?

I don't want my father getting bills from the doctors office or his insurance company.

Will this have high insurance?

i was thinking about buying a 2010 vw gti coupe or sedan. manual or automatic. is insurance on this high for a younger guy? it has a turbo on it. but it only adds i think 25hp coming out to about 200. would a sedan and automatic be cheaper insurance than a coupe/manual?

What car insurance is cheap for young people?

What is the Cheapest Homeowners Insurance for Senior Citizen?

My elderly neighbor has had her homeowners insurance cancelled because she couldnt afford to pay it. She is on a fixed income and her children do not help in any way. She owns her home but is having a hard time with paying the large payments. her mortage company says that if she doesnt take out her own insurance then they will purchase it for her at a cost of 2100.00 per year. This is way too much for a Senior citizen. i got a quote for her from progressive for 2600.00. Are there any cheaper alternatives?

How much should i settle with insurance company?

My friend was involved in a car accident sometime in June 2010. The other vehicles driver didn't notice her red light, ran it and hit my frieds car. His vehicle was in the shop for 2 wks and during this time he had to get rides from others. His total med expenses (ambulance, er, scans, dr visits) adds up to about 9000, car damages 3000. The other insurance company is trying to settle for 11500 BUT they are saying that 8000 of that is to repay HIS insurance company. So he is left with 3500.Is this correct or should he ask for more? Please no rude responses.. thanks :D""

How is Erie auto and homeowners insurance?

I am searching for different auto and home insurance. Erie insurance has given me a good quote. Are they a good insurance company?

What is the average homeowners insurance cost in CT for older homes?

Just got quoted an annual premium of $2300(!!) for homeowners insurance in a rural CT town (ISO rated 9/10) for a 300ish year old home in the 250-300k range. That seems exorbitantly high. What are others paying in CT for similar old homes in these quaint new england towns?

How much will it cost me to register my motorcycle its a ninja 250 i live in florida ?

i am 17. please do not judge me on my age. also how much am i looking at for insurance ? who do you recommend ? allstate, progressive, geico, statefarm ? how about insurance providers that are big known companies? i dont know the word im looking for.""

I have no insurance and need an abortion?

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

Whats the cheapest car insurance in ME?

Mazda RX7 1986 23yo driver no lapse have a wet and reckless from california. Need cheapest Liability coverage

Is the company allowed to change my insurance price?

Is my company allowed to change the insurance price when i call them and change my occupation details? For example i have been put down as a student but now a couple weeks later i left college and right now i am working. Are they allowed to change the fees, etc? I have a tracking device from the company fitted in my car as well.""

Motorbike cheaper than car insurance?

Is motorbike insurance for learer motorcycle 125cc, significantly cheaper than car insurance for a small city car, for a young man?""

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

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

How much would car insurance be for full coverage on a 2001 Chevy Blazer ls model 2 door 4 wheel drive?

Motorcycle Insurance?

Ive been trying to find online quotes but am unable to (don't know why, but they cant give me a quote online). Anyways I was just wondering what insurance company would you recommend for motorcycle insurance? I want to buy a bike, I don't have my M1 (because I don't want to take the test before getting the bike), and obviously I've never taken the motorcycle course. Yea I know it would be hard to get a quote given that I have zero riding experience or licensing but cmon do you really expect me to get my license only to have it expire in 90 days without even having a bike yet? Anyways when you started out what kind of insurance were you paying and with who? Also is 600cc pushing it? will that screw me over for insurance? I was looking into getting a honda 600. Thanks!""

Can I Buy Car Insurance Without Having A Car?

I'm not planning on driving anyone else's car it's just that my mom doesn't want to put me on her insurance because she says that it'll be too expensive for her (even though I would pay her for my piece). Thing is I don't have a car yet but do plan on financing a ar very soon. I've been pre-approved so I'm pretty much set to go but want to just drive my car off the lot without any problems. Also, does 'non-owner's' insurance like roll over should you buy a ar yourself? Like say for instance I did get non-owners insurance, drove my mom's car and then finally got enough money to buy my own car, can I use the same insurance?""

When asked for your insurance in a car that's not yours..?

Just recently I took a vacation down to Galveston, and on my way back I got a speeding ticket in Ennis. Thing is, I was in my boyfriends mom's car and I didn't have my insurance. So I gave him the insurance for the car that I am not covered on. So my question is, is her insurance effected because of me? and When taking defensive driving should I put my insurance down for getting the ticket off my record?""

How can I locate the Insurance Company that provides coverage for a California resident?

""If I got a car insurance while on a Provisional license, could I still use it when on a full license?""

I've got a provisional UK drivers license but I'm hoping to get my full UK drivers licence soon, but insurance is very expensive. I've seen insurance whilst on provisional is cheaper than on a full license, if I got that would I still be able to use it whilst holding a full UK drivers license? Also what are some other ways to save money on car insurance? Thank you!""

Insurance and tax for a corsa?

im looking at buying a 06 (56) Vauxhall Corsa 1.4i 16V SXi 5dr for a 1st time car and was wondering how much would insurance, tax and a MOT usually cost for this kind of car?""

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

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

Are health care insurance premiums?

Are health care insurance premiums, long term health care insurance premiums, and the cost of prescription drugs an allowable federal tax deduction? I think I'm getting some bad advice from a friend of mine concerning tax preparation.""

Which insurance is cheaper for 19 years old person?

Which insurance is cheaper for 19 years old person? is it state farm(the one i have now) or geico. or please tell me what is the cheapest insurance company?

What kind of health insurance do I need?

My car stolen and insurance company is delaying claim?

My car was stolen at my school, after calling the police and everything. I was asking people at school for a ride home one girl told me she was busy and asked her friend to drive me he agreed. When I notified my insurance, he asked for a recorded statement which I gave. Then he wanted the name and contact numbers of the two people I asked for a ride a home. Which took a while to get yet i still got them a gave them to the guy. After they contact the adjuster, I called to try to see whats going on with this claim because its been over 30 days and I am trying to replace my stolen car. He says there are some difference in the three statements he recieved and he has to file some notes and contact me later. I later called the other two people and asked what did they say and to me it seemed the same just in different person view and they also told me they did not remember alot...Can these people cost me my claim? I cooperated and did everything..How long can this take? What else does he need""

Whats the best insurance for a college student?

""I own my own buisness, Where can i get affordable Health Insurance?""

Small business, small budget, only need health for myself. Who has the best price? Help""

How to get cheaper insurance with an impaired driving/hit and run charges?

I currently have impaired driving/hit and run charges on my drivers license as of august 2010. How can I possibly get cheaper insurance. The cheapest quote I got was 9 grand.. How long is my insurance going to be this bad for??? Help!!!

Motorcycle Insurance question?

I'm going to take the MSF course on Saturday and my understanding was that you're insurance is going to be cheaper and I will like to know why it will be cheaper

I'm switching car insurance and it's stressing me out?

The reason why it's stressing me out because the insurance company I had raised my insurance and I never been in an accident etc. I tried telling them I'm on a fixed income and I can't afford alot. I don't know what to do anymore I'm fed up with everything. This other insurance company asked me if I have any lapses if so then he can't give me a low rate for insurance and I never heard of that before? What is that?

Can I fight this no proof of insurance ticket in the state of california?

I purchased my vehicle on 3/13/09 with insurance. I was stopped on 4/7/09 for no license plates and failure to prove financial responsibility i.e. no proof of insurance. Prior to that, the car dealer initially wouldn't even allow me to drive the car off the lot unless it was insured. Also, I hadn't received the insurance card in the mail from State Farm yet. I asked the officer (before he wrote the ticket) if he could identify my vehicle in his system to see that it is in fact insured, at which point he would not oblige. I obviously received the card a few days later and now have the card verifying insurance from 3/13/09 to the present date. Do I have a case here that can rightfully be reversed?""

""Car insurance cancelled,what to do?""

I've had car insurance for around 5 months and because i was late on 2 payments they have cancelled my insurance today. i'e looked for an alternative insurance but because i had it cancelled nobody will take me on. is there any other options,surely somebody being late doesnt mean they cant ever get to drive again??""

Can I Still Be Covered Under My Parents Car Insurance?

Im currently under my parents car insurance policy, I got married not too long ago and was wondering since I got married can I still be under their car insurance? Thanks""

Whats high mileage for an Infiniti G35?

I'm considering purchasing an infiniti g35. I'm looking at the 2004 and 2005 g35's and the ones in my price range typically range from 60-70k miles. Is this high mileage for an infiniti? How long do these cars last on average? Also I'm 20 years old; would this car have high insurance costs? Thank you!

Does anyone know a good insurance company that will insure a young driver on a sports car?

i'm buying a convertible with a 1.8 engine i'm having trouble finding quotes below 4000, if anyone could suggest some cheap insurance companies that would be great!""

Health insurance for individual?

Trying to find the best plan for myself. I am 30 yr old female self employed. I have an ok job right now so a high premium is not going to work. But I am fairly healthy and never really go to the doctor. I guess I need insurance for those what if moments that I hope never happen. Also I live in Pennsylvania. This is what I have found the HMO premiums are just too high but none have deductibles. The PPO plans all have deductibles but the premiums are lower. PPO Deductibles $2500 cost $188 a month,20% coinsurance $5000 cost $164 a month, 20% coinsurance PPO Advantage Deductibles $1500 - $142 a month, 20% coinsurance $2500 - $120 a month, 20 coinsurance Right now I'm leaning towards the lowest deductible advantage plan at 1500 @142 a month and a 3000 out of pocket max. It seems reasonable all the preventative care, primary and specialist are all copays w/out deductibles so say I never go tot he hospital I'm basically just paying a monthly premium and the copay. My issue is I have gone uninsured before and knock on wood nothing happened never even needed to use a cvs minute clinic. But as I approached 30 I realized maybe I should get health care for myself just in case. I do have the !500 set aside in an account that was supposed to be a splurge fund for vacation but now it may also just be a medical fund. Anyways, based on the above all co-pays are $30 and $50 for specialist. Do they sound reasonable?? Insurance is so hard to understand *sigh*""

What would Jesus do I f he didn't have car Insurance?

what would Jesus do I f he didn't have car Insurance ? and there was no help from god?

Canada Car Insurance?

Hi I am trying to find a rough estimate for car insurance in Toronto. The insurance should be for a normal car, like a ford focus 2000 model. I have 4 years no-claims, married and is 28. I hold a full license (British and South African) and will apply for an Ontarian one when I get there. If anyone has a similar details, please give me your insurance quote...it does not have to be spot on. I got some from websites, but they all seem to be $320+/m which is very high...I only pay 42 ($80ish) in England, which is already very high as I paid R110 (8.50ish) in South Africa. This is for my budget to see what I can expect over there. Thanks""

Is there a big differents in the price of car insurance?

hi is there a big differents in the price of car insurance between a mini copper and a mini one for a first car for a 17 year old

Is car insurance policy number confidential?

brother is applying for his own car insurance to A. A asks if anyone else has drivers license, and requesting policy number from other family members and their respective insurance providers.. Is that necessary?""

What is the average auto mileage per year?

Farmers Insurance says that it is 22,000 and I don't believe them for a second""

What's the most expensive comprehensive car insurance ever in the U.K.?

""3 drivers, soon to be 3 cars (Insurance)?

I'm a 17 year old who is currently insured as an occasional driver under my parents. They currently have 2 cars. I am looking at buying my own car next week meaning that I will have to be a primary driver. My question is if I put the ownership in my parents name and put it under their insurance would it be cheaper then having it owned under my name and on a seperate insurance company?

I was woundering what do you think is the cheapest auto insurance for first time liscence holders.?

Is it too risky to be a homemaker even if spouse has good life insurance?.?

We both agree that I should be with kids but I'm worried about financial risks.

Is the renault twizy cheap for teenagers?

Is the insurance cheap Im looking around below 2000 a year

My teenager (17) just got her permit. Would she be covered under my insurance?

I have not added her specifically to my insurance policy. I only have PLPD on the vehicle. Would she be covered if she hit anything... anyone , yikes! Or do I have to call to add her? It will raise my policy a LOT but she's almost 18 and when she gets her license she will have to pay for her own insurance. So for now I am trying to fly under the radar but legally. Is that possible?""

Is insurance for a two door car higher than a four door car's?

is insurance for a two door car higher than a four door car's?

What are car insurance groups?

Im a provisional driver and ive seen a 2004 Vauxhall Corsa...it says the insurance is Group 3. So what exactly does that mean? And is that good considering it will be my first car that i will be driving around for quite a while? :)

What kind of health insurance do I need?

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